Publications

(per cent)

As on March 31

Ratios

State Bank of India

State Bank of Bikaner

State Bank of Hyderabad

State Bank of Indore

and Jaipur

2001

2002

2001

2002

2001

2002

2001

2002

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash-deposit ratio

7.62

8.08

12.99

7.79

7.31

7.54

7.54

6.20

2. Credit-deposit ratio

46.78

44.65

50.05

50.86

47.78

48.40

51.17

54.17

3. Investment-deposit ratio

50.60

53.65

51.57

54.07

59.01

56.47

58.47

57.22

4. (Credit + investment)-deposit ratio

97.38

98.30

101.62

104.93

106.79

104.87

109.64

111.38

5. Ratio of deposits to total liabilities

76.93

77.70

74.47

74.98

80.92

78.67

81.46

78.76

6. Ratio of term deposits to total deposits

63.67

63.52

56.52

56.57

63.23

65.38

65.09

66.85

7. Ratio of priority sector advances to total advances

26.55

26.15

39.60

40.59

34.74

34.41

40.42

41.27

8. Ratio of term-loans to total advances

34.82

37.31

24.44

26.60

27.41

30.47

34.19

33.98

9. Ratio of secured advances to total advances

87.21

86.78

95.62

93.42

94.96

92.43

94.71

89.64

10. Ratio of investments in non-approved securities to total investments

16.89

15.57

10.13

9.39

12.95

13.43

11.65

9.14

11. Ratio of Interest income to total assets

9.01

8.98

9.62

9.23

10.01

9.48

9.79

9.72

12. Ratio of net interest margin to total assets

2.86

2.74

3.46

3.33

3.61

3.21

3.22

3.20

13. Ratio of non-interest income to total assets

1.39

1.26

1.82

2.04

1.70

1.81

2.24

3.01

14. Ratio of intermediation cost to total assets

2.88

2.17

3.24

2.72

2.66

2.05

3.09

2.46

15. Ratio of wage bills to intermediation cost

72.44

71.46

76.89

72.18

71.28

68.26

69.44

68.07

16. Ratio of wage bills to total expenses

23.07

18.44

26.51

22.80

20.96

16.82

22.20

18.65

17. Ratio of wage bills to total income

20.02

15.16

21.79

17.43

16.22

12.40

17.81

13.16

18. Ratio of burden to total assets

1.48

0.91

1.43

0.68

0.96

0.25

0.84

-0.55

19. Ratio of burden to interest income

16.46

10.19

14.81

7.34

9.62

2.59

8.61

-5.63

20. Ratio of operating profits to total assets

1.37

1.82

2.04

2.66

2.65

2.97

2.38

3.75

21. Return on assets

0.50

0.70

0.80

1.06

0.82

1.02

0.89

1.24

22. Return on equity

12.53

16.95

18.61

24.17

21.77

25.74

23.49

34.58

23. Cost of deposits

7.57

7.62

7.88

7.58

7.53

7.56

7.58

7.61

24. Cost of borrowings

5.21

3.63

14.35

14.51

21.23

16.39

2.32

1.28

25. Cost of funds

7.47

7.47

7.92

7.61

7.67

7.61

7.41

7.45

26. Return on advances

10.53

9.44

11.48

10.91

11.70

11.06

11.20

10.33

27. Return on investments

10.46

10.65

11.41

11.13

10.88

10.65

10.22

10.71

28. Return on advances adjusted to cost of funds

3.06

1.97

3.56

3.30

4.04

3.46

3.78

2.88

29. Return on investments adjusted to cost of funds

2.99

3.18

3.49

3.53

3.21

3.04

2.80

3.26

30. Business per employee (in Rs. lakh)

136.58

173.01

105.19

129.42

165.00

166.04

126.00

171.00

31. Profit per employee (in Rs. lakh)

0.70

1.16

1.96

1.31

1.13

1.68

2.60

1.91

32. Capital adequacy ratio

12.79

13.35

12.39

13.42

12.28

14.03

12.73

12.78

33. Capital adequacy ratio - Tier I

8.58

9.22

11.62

12.06

8.92

9.86

9.12

8.15

34. Capital adequacy ratio - Tier II

4.21

4.13

0.77

1.36

3.36

4.17

3.61

4.63

35. Ratio of net NPA to net advances

6.03

5.63

7.83

5.72

7.82

4.97

5.91

3.58

Source: Compiled from annual accounts of banks of respective years.

(per cent)

Ratios

State Bank of Mysore

State Bank of Patiala

State Bank of Saurashtra

State Bank of Travancore

2001

2002

2001

2002

2001

2002

2001

2002

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1. Cash-deposit ratio

8.77

6.73

9.41

5.12

9.56

5.55

6.09

7.38

2. Credit-deposit ratio

56.34

57.65

59.04

62.23

53.93

54.07

55.28

55.24

3. Investment-deposit ratio

46.66

48.78

36.63

40.90

46.10

46.64

47.12

47.34

4. (Credit + investment)-deposit ratio

103.01

106.43

95.67

103.13

100.02

100.71

102.40

102.59

5. Ratio of deposits to total liabilities

80.82

82.34

80.80

80.45

77.68

81.14

79.91

81.61

6. Ratio of term deposits to total deposits

65.32

64.82

56.61

58.26

65.67

65.59

66.29

68.04

7. Ratio of priority sector advances to total advances

36.39

35.40

37.03

36.45

43.35

41.97

31.50

30.40

8. Ratio of term-loans to total advances

25.49

29.86

29.21

34.35

23.61

23.37

24.12

27.37

9. Ratio of secured advances to total advances

94.48

93.56

92.28

89.48

93.81

93.12

86.45

82.36

10. Ratio of investments in non-approved securities to total investments

19.11

17.39

15.46

13.93

23.83

17.37

7.77

5.83

11. Ratio of Interest income to total assets

10.34

9.83

10.09

9.50

9.53

9.39

9.77

9.39

12. Ratio of net interest margin to total assets

3.54

3.19

4.54

4.15

3.12

3.12

2.94

2.74

13. Ratio of non-interest income to total assets

1.93

2.36

1.28

1.67

1.39

1.93

1.44

1.49

14. Ratio of intermediation cost to total assets

3.92

3.17

2.82

2.25

3.07

2.59

2.67

2.15

15. Ratio of wage bills to intermediation cost

80.97

76.99

76.59

69.47

68.69

63.49

77.12

73.50

16. Ratio of wage bills to total expenses

29.60

24.91

25.82

20.58

22.25

18.55

21.65

17.98

17. Ratio of wage bills to total income

25.84

20.05

19.01

14.01

19.31

14.51

18.35

14.55

18. Ratio of burden to total assets

1.99

0.81

1.54

0.58

1.68

0.66

1.23

0.67

19. Ratio of burden to interest income

19.19

8.28

15.31

6.14

17.60

6.98

12.54

7.10

20. Ratio of operating profits to total assets

1.56

2.38

3.00

3.57

1.44

2.46

1.71

2.07

21. Return on assets

0.27

0.64

1.12

1.34

0.18

0.88

0.67

0.73

22. Return on equity

8.97

20.49

18.82

22.48

2.70

15.16

20.56

21.50

23. Cost of deposits

7.95

7.67

6.67

6.46

8.03

7.71

7.90

7.65

24. Cost of borrowings

3.03

4.06

13.92

19.03

1.33

1.50

72.07

92.59

25. Cost of funds

7.73

7.61

6.70

6.54

7.83

7.61

8.19

8.00

26. Return on advances

12.30

10.80

11.39

10.28

11.39

10.56

10.77

9.87

27. Return on investments

12.18

11.33

11.97

11.87

11.95

11.96

11.84

11.50

28. Return on advances adjusted to cost of funds

4.56

3.19

4.69

3.73

3.56

2.95

2.58

1.87

29. Return on investments adjusted to cost of funds

4.45

3.72

5.27

5.33

4.12

4.35

3.65

3.50

30. Business per employee (in Rs. lakh)

112.15

124.96

143.45

194.31

123.87

152.12

157.32

178.78

31. Profit per employee (in Rs. lakh)

0.26

0.67

1.23

1.97

0.21

1.10

0.85

1.06

32. Capital adequacy ratio

11.16

11.81

12.37

12.55

13.89

13.20

11.79

12.54

33. Capital adequacy ratio - Tier I

6.76

6.70

10.69

9.97

13.65

12.11

7.73

7.79

34. Capital adequacy ratio - Tier II

4.40

5.11

1.68

2.58

0.24

1.09

4.06

4.75

35. Ratio of net NPA to net advances

7.65

7.36

4.92

2.94

7.30

4.95

7.75

5.72

Source: Compiled from annual accounts of banks of respective years.