India’s Top PSUs 2019

11 The publication also includes terms and indicators specific to the banking sector. Ratios Particulars Formulae Total Business As reported by the bank in its standalone financial statements OR Total Advances + Total Deposits as provided by the RBI Total Assets Cash in hand + Balances with RBI + Balances with banks inside/outside India + Money at call + Investments + Advances + Fixed Assets + Other Assets Net Interest Margin As reported by the bank in its standalone financial statements Net Interest Income Total Interest earned – Total Interest expended Net NPA Ratio As reported by the bank in its standalone financial statements Return on Assets (ROA) As provided in Company’s Annual Report The publication also includes terms and indicators specific to the insurance sector • Net Commission Ratio as given in the Annual Report • Solvency Ratio as given in the Annual Report • Retention Ratio as given in the Annual Report • Net Premium Earned is the sum of total of net premium earned from fire insurance, marine insurance, miscellaneous insurance and life insurance business Symbols used N.A. Not Available C/R Current Ratio