TABLE 2.6 : BANK GROUP-WISE SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2007 AND
2008 |
(in per cent) |
|
As on March 31 |
Ratios |
State Bank of India& its Associates |
Nationalised Banks $ |
Foreign Banks |
Other Scheduled Commercia l Banks |
All Scheduled Commercial Banks |
|
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
2007 |
2008 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
(10) |
1. |
Cash-Deposit ratio |
7.08 |
9.65 |
7.16 |
9.22 |
8.06 |
11.52 |
7.41 |
10.56 |
7.24 |
9.73 |
|
|
|
|
|
|
|
|
|
|
|
|
2. |
Credit-Deposit ratio |
76.13 |
76.72 |
70.39 |
71.65 |
83.81 |
84.31 |
75.14 |
76.79 |
73.46 |
74.61 |
|
|
|
|
|
|
|
|
|
|
|
|
3. |
Investment-Deposit ratio |
33.45 |
34.09 |
33.29 |
31.86 |
47.41 |
51.75 |
38.89 |
41.21 |
35.26 |
35.43 |
|
|
|
|
|
|
|
|
|
|
|
|
4. |
(Credit+Investment)-Deposit ratio |
109.58 |
110.81 |
103.68 |
103.51 |
131.22 |
136.07 |
114.03 |
118.00 |
108.72 |
110.03 |
|
|
|
|
|
|
|
|
|
|
|
|
5. |
Ratio of deposits to total liabilities |
78.62 |
76.53 |
83.26 |
83.54 |
54.94 |
52.49 |
74.05 |
71.80 |
77.95 |
76.74 |
|
|
|
|
|
|
|
|
|
|
|
|
6. |
Ratio of term deposits to total deposits |
57.11 |
58.03 |
64.57 |
67.01 |
54.90 |
55.29 |
70.17 |
67.17 |
63.42 |
64.27 |
|
|
|
|
|
|
|
|
|
|
|
|
7. |
Ratio of priority sector advances to |
32.64 |
30.82 |
34.69 |
32.56 |
27.44 |
29.59 |
31.58 |
29.27 |
33.08 |
31.26 |
|
total advances |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
|
|
8. |
Ratio of term loan to total advances |
54.84 |
55.19 |
54.91 |
55.62 |
51.47 |
48.90 |
70.31 |
69.51 |
57.90 |
57.99 |
|
|
|
|
|
|
|
|
|
|
|
|
9. |
Ratio of secured advances to total advances |
78.59 |
76.74 |
82.67 |
79.96 |
54.34 |
47.18 |
81.42 |
79.23 |
79.61 |
76.90 |
|
|
|
|
|
|
|
|
|
|
|
|
10. |
Ratio of investments in non-approved |
14.58 |
19.78 |
19.13 |
17.40 |
21.22 |
16.13 |
25.51 |
30.21 |
19.72 |
20.86 |
|
securities to total investments |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.14 |
7.75 |
7.49 |
7.88 |
7.57 |
7.65 |
7.53 |
8.44 |
7.42 |
7.95 |
|
|
|
|
|
|
|
|
|
|
|
|
12. |
Ratio of net interest margin to total assets |
2.79 |
2.49 |
2.80 |
2.33 |
4.36 |
4.33 |
2.54 |
2.69 |
2.86 |
2.61 |
|
|
|
|
|
|
|
|
|
|
|
|
13. |
Ratio of non-interest income to total assets |
1.26 |
1.30 |
0.96 |
1.10 |
2.97 |
3.30 |
1.87 |
2.00 |
1.38 |
1.52 |
|
|
|
|
|
|
|
|
|
|
|
|
14. |
Ratio of intermediation cost to total assets |
2.13 |
1.87 |
1.84 |
1.62 |
3.27 |
3.24 |
2.33 |
2.40 |
2.12 |
1.98 |
|
|
|
|
|
|
|
|
|
|
|
|
15. |
Ratio of wage bills to intermediation cost |
65.49 |
60.58 |
63.56 |
61.71 |
39.78 |
39.89 |
34.36 |
35.10 |
54.51 |
51.55 |
|
|
|
|
|
|
|
|
|
|
|
|
16. |
Ratio of wage bills to total expense |
21.55 |
15.89 |
17.94 |
13.98 |
20.07 |
19.71 |
10.93 |
10.34 |
17.32 |
13.96 |
|
|
|
|
|
|
|
|
|
|
|
|
17. |
Ratio of wage bills to total income |
16.65 |
12.52 |
13.87 |
11.16 |
12.34 |
11.82 |
8.51 |
8.08 |
13.16 |
10.79 |
|
|
|
|
|
|
|
|
|
|
|
|
18. |
Ratio of burden to total assets |
0.88 |
0.57 |
0.88 |
0.52 |
0.30 |
-0.05 |
0.46 |
0.40 |
0.75 |
0.46 |
|
|
|
|
|
|
|
|
|
|
|
|
19. |
Ratio of burden to interest income |
12.28 |
7.35 |
11.74 |
6.62 |
3.91 |
-0.72 |
6.07 |
4.78 |
10.05 |
5.78 |
|
|
|
|
|
|
|
|
|
|
|
|
20. |
Ratio of operating profits to total assets |
1.91 |
1.92 |
1.92 |
1.81 |
4.06 |
4.38 |
2.08 |
2.28 |
2.11 |
2.15 |
|
|
|
|
|
|
|
|
|
|
|
|
21. |
Return on assets |
0.86 |
0.97 |
0.94 |
1.01 |
2.28 |
2.57 |
1.02 |
1.13 |
1.05 |
1.16 |
|
|
|
|
|
|
|
|
|
|
|
|
22. |
Return on equity |
16.31 |
17.21 |
15.97 |
17.09 |
15.98 |
16.05 |
13.71 |
13.43 |
15.51 |
15.98 |
|
|
|
|
|
|
|
|
|
|
|
|
23. |
Cost of deposits |
4.81 |
5.91 |
4.96 |
5.99 |
3.59 |
4.26 |
5.37 |
6.47 |
4.93 |
5.97 |
|
|
|
|
|
|
|
|
|
|
|
|
24. |
Cost of borrowings |
3.90 |
5.72 |
2.30 |
2.74 |
5.34 |
4.82 |
3.60 |
3.55 |
3.56 |
4.02 |
|
|
|
|
|
|
|
|
|
|
|
|
25. |
Cost of funds |
4.75 |
5.90 |
4.80 |
5.83 |
4.03 |
4.40 |
5.18 |
6.13 |
4.82 |
5.81 |
|
|
|
|
|
|
|
|
|
|
|
|
26. |
Return on advances |
8.47 |
9.55 |
8.79 |
9.50 |
9.78 |
10.93 |
9.55 |
11.01 |
8.93 |
9.92 |
|
|
|
|
|
|
|
|
|
|
|
|
27. |
Return on investments |
6.81 |
7.11 |
7.49 |
7.52 |
8.61 |
8.24 |
6.50 |
7.28 |
7.19 |
7.43 |
|
|
|
|
|
|
|
|
|
|
|
|
28. |
Return on advances adjusted to cost of funds |
3.72 |
3.65 |
3.99 |
3.67 |
5.74 |
6.54 |
4.38 |
4.87 |
4.12 |
4.11 |
|
|
|
|
|
|
|
|
|
|
|
|
29. |
Return on investments adjusted to cost of funds |
2.06 |
1.22 |
2.68 |
1.69 |
4.58 |
3.84 |
1.32 |
1.15 |
2.37 |
1.62 |
Note $ Includes IDBI Bank Ltd.
Source : Annual accounts of banks of respective years |