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5.17 WEIGHTED AVERAGE RATES OF RETURN ON DEPOSITS
(i) PLS & Interest Bearing – All Banks
(Percent per annum)
1996 |
1997 |
1998 |
1999 |
2000 |
||||||
| Type of Deposit | Jun. |
Dec. |
Jun. |
Dec. |
Jun. |
Dec. |
Jun. |
Dec. |
Jun. |
|
| I. Call Deposits | 6.10 |
7.00 |
6.23 |
6.02 |
6.46 |
6.29 |
6.00 |
5.47 |
5.34 |
|
(1.97) |
(2.43) |
(1.57) |
(2.73) |
(1.61) |
(1.61) |
(2.37) |
(2.05) |
(1.87) |
||
| II. Saving Deposits | 7.33 |
7.43 |
7.36 |
7.32 |
7.42 |
7.36 |
6.90 |
6.25 |
5.75 |
|
(52.76) |
(51.61) |
(53.61) |
(54.17) |
(56.20) |
(56.07) |
(57.87) |
(58.47) |
(63.13) |
||
| III. Term or Fixed Deposits | ||||||||||
| (a) Less than 3 months | 7.28 |
7.39 |
7.93 |
7.59 |
7.02 |
7.93 |
7.28 |
6.95 |
6.62 |
|
(7.63) |
(7.28) |
(6.84) |
(5.43) |
(6.94) |
(7.97) |
(5.91) |
(6.31) |
(6.65) |
||
| (b) 3 months and over but less than 6 months | 6.75 |
7.03 |
7.25 |
7.18 |
7.27 |
7.34 |
7.29 |
7.19 |
7.17 |
|
(9.31) |
(10.15) |
(9.01) |
(8.80) |
(8.34) |
(7.66) |
(6.79) |
(7.01) |
(5.15) |
||
| (c) 6 months and over but less than 1 year | 7.66 |
7.88 |
7.78 |
8.63 |
8.50 |
9.15 |
8.80 |
8.73 |
7.37 |
|
(5.81) |
(5.97) |
(5.65) |
(5.54) |
(4.86) |
(4.50) |
(4.08) |
(3.78) |
(4.08) |
||
| (d) 1 year and over but less than 2 years | 8.17 |
7.90 |
8.30 |
8.65 |
8.79 |
9.03 |
9.37 |
8.45 |
7.76 |
|
(8.41) |
(8.21) |
(7.35) |
(7.33) |
(6.60) |
(5.88) |
(5.71) |
(5.60) |
(4.42) |
||
| (e) 2 years and over but less than 3 years | 10.84 |
10.95 |
10.38 |
10.62 |
10.12 |
10.55 |
9.92 |
9.33 |
9.01 |
|
(1.63) |
(1.83) |
(1.83) |
(2.07) |
(2.03) |
(2.38) |
(1.69) |
(1.58) |
(1.70) |
||
| (f) 3 years and over but less than 4 years | 12.11 |
12.29 |
12.41 |
12.32 |
12.14 |
11.79 |
10.06 |
9.28 |
8.73 |
|
(3.15) |
(3.00) |
(3.16) |
(2.90) |
(3.09) |
(2.66) |
(3.57) |
(2.99) |
(2.77) |
||
| (g) 4 years and over but less than 5 years | 13.59 |
13.64 |
13.08 |
13.35 |
13.12 |
12.08 |
12.30 |
11.01 |
9.49 |
|
(0.87) |
(0.91) |
(1.34) |
(1.57) |
(1.68) |
(2.01) |
(1.88) |
(1.64) |
(1.52) |
||
| (h) 5 years and over | 14.90 |
14.96 |
14.90 |
14.80 |
14.02 |
13.80 |
12.31 |
11.21 |
10.35 |
|
(8.46) |
(8.60) |
(9.64) |
(9.46) |
(8.65) |
(9.26) |
(10.13) |
(10.58) |
(8.71) |
||
| IV. Overall | ||||||||||
| (i) Excluding current & other deposits | 8.24 |
8.36 |
8.49 |
8.47 |
8.38 |
8.45 |
7.96 |
7.30 |
6.62 |
|
| (ii) Including current & other deposits | 6.42 |
6.62 |
6.80 |
6.38 |
6.81 |
6.69 |
6.49 |
5.83 |
5.47 |
|
Note : Figures in parentheses represent as percentage of total deposits
PLS: Profit and Loss Sharing
Contd.
5.17 WEIGHTED AVERAGE RATES OF RETURN ON DEPOSITS
(ii) Profit & Loss Sharing – All Banks
(Percent per annum)
1996 |
1997 |
1998 |
1999 |
2000 |
|||||
| Type of Deposit | Jun. |
Dec. |
Jun. |
Dec. |
Jun. |
Dec. |
Jun. |
Dec. |
Jun. |
| I. Call Deposits | 6.53 |
6.56 |
6.65 |
6.70 |
.90 |
.97 |
.36 |
.89 |
.60 |
(2.10) |
(1.81) |
(1.77) |
(3.48) |
(1.76) |
(1.62) |
(2.18) |
(1.84) |
(1.84) |
|
| II. Saving Deposits | 7.79 |
7.95 |
7.97 |
8.12 |
8.14 |
8.17 |
7.56 |
6.77 |
6.11 |
(59.73) |
(59.64) |
(59.76) |
(58.81) |
(61.08) |
(59.83) |
(59.18) |
(59.46) |
(63.64) |
|
| III. Term or Fixed Deposits | |||||||||
| (a) Less than 3 months | 8.38 |
8.55 |
9.27 |
8.82 |
8.38 |
9.65 |
8.32 |
7.95 |
7.11 |
(6.77) |
(6.65) |
(6.42) |
(4.48) |
(4.98) |
(6.81) |
(5.80) |
(5.50) |
(6.52) |
|
| (b) 3 months and over but less than 6 months | 9.68 |
10.24 |
10.18 |
10.38 |
10.55 |
10.67 |
9.50 |
8.57 |
8.04 |
(3.99) |
(3.99) |
(3.75) |
(3.54) |
(3.83) |
(4.05) |
(4.63) |
(5.80) |
(4.65) |
|
| (c) 6 months and over but less than 1 year | 10.69 |
10.94 |
10.86 |
11.66 |
11.34 |
11.49 |
10.02 |
9.40 |
8.27 |
(3.52) |
(3.37) |
(2.88) |
(3.50) |
(3.47) |
(3.88) |
(4.01) |
(4.13) |
(3.51) |
|
| (d) 1 year and over but less than 2 years | 11.22 |
11.57 |
11.55 |
11.79 |
11.69 |
12.14 |
10.85 |
9.78 |
8.70 |
(5.23) |
(5.16) |
(4.05) |
(4.55) |
(4.53) |
(4.16) |
(5.45) |
(4.97) |
(3.99) |
|
| (e) 2 years and over but less than 3 years | 11.84 |
11.80 |
12.10 |
12.21 |
11.82 |
12.10 |
11.06 |
10.09 |
9.31 |
(1.94) |
(2.35) |
(1.81) |
(1.89) |
(1.96) |
(2.45) |
(1.69) |
(1.68) |
(1.96) |
|
| (f) 3 years and over but less than 4 years | 12.88 |
13.00 |
13.09 |
13.18 |
12.98 |
12.96 |
11.39 |
10.22 |
9.35 |
(4.04) |
(4.05) |
(4.28) |
(3.83) |
(4.12) |
(3.08) |
(3.44) |
(2.95) |
(2.78) |
|
| (g) 4 years and over but less than 5 years | 13.66 |
13.75 |
13.61 |
13.71 |
13.67 |
13.44 |
13.05 |
11.15 |
9.69 |
(1.23) |
(1.36) |
(1.87) |
(2.33) |
(2.41) |
(2.29) |
(2.15) |
(2.03) |
(1.71) |
|
| (h) 5 years and over | 15.11 |
15.40 |
15.42 |
15.34 |
14.79 |
14.57 |
12.93 |
11.61 |
10.59 |
(11.45 ) |
(11.62) |
(13.41) |
(13.59) |
(11.86) |
(11.83) |
(11.47) |
(11.64) |
(9.40) |
|
| IV. Overall | |||||||||
| (i) Excluding current & other deposits | 9.36 |
9.59 |
9.74 |
9.85 |
9.69 |
9.77 |
8.87 |
7.99 |
7.07 |
| (ii) Including current & other deposits | 6.87 |
6.98 |
7.20 |
6.77 |
7.54 |
7.48 |
7.16 |
6.43 |
5.92 |
Note : Figures in parentheses represent as percentage of total deposits
Contd.
5.17 WEIGHTED AVERAGE RATES OF RETURN ON DEPOSITS
(iii) Interest Bearing – All Banks
(Percent per annum)
1996 |
1997 |
1998 |
1999 |
2000 |
||||||
| Type of Deposit | Jun. |
Dec. |
Jun. |
Dec. |
Jun. |
Dec. |
Jun. |
Dec. |
Jun. |
|
| I. Call Deposits | 4.86 |
7.43 |
5.09 |
3.15 |
5.47 |
4.84 |
5.21 |
4.52 |
4.42 |
|
(1.68) |
(3.62) |
(1.20) |
(1.43) |
(1.35) |
(1.58) |
(2.93) |
(2.75) |
(1.98) |
||
| II. Saving Deposits | 5.58 |
5.79 |
5.80 |
5.57 |
5.84 |
5.28 |
4.78 |
4.34 |
4.30 |
|
(36.67) |
(36.14) |
(42.31) |
(46.14) |
(47.83) |
(48.26) |
(54.03) |
(55.13) |
(61.21) |
||
| III. Term or Fixed Deposits | ||||||||||
| (a) Less than 3 months | 5.50 |
5.64 |
5.86 |
6.25 |
5.89 |
5.58 |
4.42 |
4.92 |
4.89 |
|
(9.62) |
(8.51) |
(7.60) |
(7.07) |
(10.32) |
(10.38) |
(6.21) |
(9.05) |
(7.15) |
||
| (b) 3 months and over but less than 6 months | 5.50 |
5.91 |
6.17 |
6.08 |
5.94 |
5.50 |
5.00 |
4.74 |
4.99 |
|
(21.57) |
(22.01) |
(18.67) |
(17.90) |
(16.08) |
(15.15) |
(13.16) |
(11.07) |
(7.05) |
||
| (c) 6 months and over but less than 1 year | 5.44 |
6.08 |
6.26 |
6.62 |
6.16 |
5.89 |
5.40 |
5.12 |
5.44 |
|
(11.10) |
(11.00) |
(10.76) |
(9.08) |
(7.23) |
(5.79) |
(4.26) |
(2.59) |
(6.24) |
||
| (d) 1 year and over but less than 2 years | 5.83 |
5.31 |
6.50 |
6.61 |
6.56 |
6.19 |
5.68 |
5.55 |
5.43 |
|
(15.73) |
(14.10) |
(13.42) |
(12.15) |
(10.15) |
(9.44) |
(6.48) |
(7.73) |
(6.04) |
||
| (e) 2 years and over but less than 3 years | 6.08 |
6.27 |
7.33 |
7.59 |
7.43 |
7.02 |
6.56 |
5.97 |
5.94 |
|
(0.94) |
(0.82) |
(1.87) |
(2.39) |
(2.14) |
(2.24) |
(1.69) |
(1.26) |
(0.73) |
||
| (f) 3 years and over but less than 4 years | 5.50 |
6.60 |
7.55 |
7.89 |
7.67 |
7.64 |
6.66 |
6.31 |
6.35 |
|
(1.09) |
(0.97) |
(1.09) |
(1.28) |
(1.33) |
(1.80) |
(3.97) |
(3.13) |
(2.75) |
||
| (g) 4 years and over but less than 5 years | 5.55 |
4.09 |
8.21 |
7.82 |
7.88 |
7.58 |
7.94 |
7.84 |
7.86 |
|
(0.02) |
(0.03) |
(0.37) |
(0.26) |
(0.44) |
(1.43) |
(1.09) |
(0.30) |
(0.81) |
||
| (h) 5 years and over | 11.38 |
11.38 |
10.16 |
9.33 |
9.01 |
8.96 |
8.92 |
8.96 |
8.91 |
|
(1.58) |
(2.79) |
(2.70) |
(2.30) |
(3.13) |
(3.93) |
(6.18) |
(7.00) |
(6.04) |
||
| IV. Overall | ||||||||||
| (i) Excluding current & other deposits | 5.66 |
6.00 |
6.18 |
6.07 |
6.12 |
5.72 |
5.28 |
4.97 |
4.91 |
|
| (ii) Including current & other deposits | 5.15 |
5.72 |
5.85 |
5.48 |
5.41 |
4.89 |
4.45 |
4.03 |
4.00 |
|
Note : Figures in parentheses represent as percentage of total deposits