• Source: CASA ratio

CASA ratio stands for current and savings account ratio. CASA ratio of a bank is the ratio of deposits in current, and saving accounts to total deposits. A higher CASA ratio indicates a lower cost of funds, because banks do not usually give any interests on current account deposits and the interest on saving accounts is usually very low 3–4%. If a large part of a bank's deposits comes from these funds, it means that the bank is getting those funds at a relative lower cost. It is generally understood that a higher CASA ratio leads to higher net interest margin. In India, it is used as one of the metrics to assess the profitability of a bank.




Formula







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T
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{\displaystyle {CASARatio}=\left({\frac {CASADeposit}{TotalDepositsplusCASA}}\right)}





CASA ratio of some Indian banks






See also


Banking in India




References






Further reading


"What is CASA ratio?". The Economic Times. 10 May 2009.
"De-jargoned: CASA". Live Mint. 6 February 2013.

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