|
(in per cent)
|
| |
As on March 31
|
| |
State Bank of India and
its
Associates
|
Nationalised Banks
|
Foreign Banks
|
Regional Rural Banks
|
Other Scheduled
Commercial Banks
|
All Scheduled
Commercial Banks
|
|
|
2002
|
2003
|
2002
|
2003
|
2002
|
2003
|
2002
|
2003
|
2002
|
2003
|
2002
|
2003
|
|
|
1. Cash-deposit ratio
|
7.77
|
4.89
|
7.14
|
6.69
|
6.27
|
6.58
|
7.06
|
6.31
|
6.67
|
7.90
|
7.21
|
6.35
|
|
2.Credit-deposit ratio
|
46.88
|
48.39
|
51.17
|
52.32
|
75.39
|
75.27
|
39.76
|
42.39
|
68.71
|
66.55
|
53.19
|
54.11
|
|
3.Investment-deposit ratio
|
52.86
|
57.12
|
43.46
|
46.82
|
54.40
|
58.86
|
21.26
|
34.68
|
58.40
|
51.53
|
47.91
|
50.55
|
|
4. (Credit + investment)-deposit ratio
|
99.74
|
105.51
|
94.63
|
99.14
|
129.79
|
134.13
|
61.03
|
77.07
|
127.12
|
118.08
|
101.10
|
104.66
|
|
5. Ratio of deposits to total liabilities
|
78.10
|
79.16
|
87.46
|
86.99
|
57.55
|
59.56
|
78.41
|
79.32
|
63.30
|
70.11
|
78.33
|
79.88
|
|
6. Ratio of term deposits to total deposits
|
63.49
|
63.03
|
64.54
|
63.75
|
67.52
|
66.22
|
55.58
|
53.41
|
76.08
|
76.13
|
65.65
|
65.14
|
|
7. Ratio of priority sector advances to total advances
|
28.89
|
28.94
|
31.66
|
33.74
|
21.57
|
21.91
|
73.08
|
74.96
|
16.83
|
22.19
|
28.74
|
30.76
|
|
8. Ratio of term-loans to total advances
|
35.31
|
39.18
|
37.28
|
39.33
|
48.75
|
47.86
|
57.00
|
56.03
|
60.55
|
64.05
|
42.24
|
44.81
|
|
9. Ratio of secured advances to total advances
|
87.69
|
87.56
|
87.06
|
87.15
|
65.06
|
67.43
|
94.94
|
94.93
|
91.73
|
91.89
|
86.63
|
75.63
|
|
10. Ratio of investments in non-approved securities
to total investments
|
14.78
|
13.21
|
22.88
|
20.41
|
61.33
|
24.11
|
79.03
|
38.75
|
42.71
|
30.88
|
26.80
|
22.55
|
|
11. Ratio of Interest income to total assets
|
9.09
|
8.66
|
9.30
|
8.86
|
9.07
|
7.85
|
9.76
|
9.02
|
7.68
|
8.66
|
9.00
|
8.71
|
|
12. Ratio of net interest margin to total assets
|
2.86
|
2.90
|
2.91
|
3.16
|
3.41
|
3.42
|
3.50
|
0.00
|
1.97
|
2.05
|
2.81
|
2.81
|
|
13. Ratio of non-interest income to total assets
|
1.41
|
1.70
|
1.58
|
1.77
|
3.05
|
2.69
|
0.69
|
0.70
|
1.98
|
2.57
|
1.66
|
1.91
|
|
14. Ratio of intermediation cost to total assets
|
2.23
|
2.21
|
2.54
|
2.47
|
3.17
|
2.85
|
2.74
|
2.76
|
1.80
|
2.08
|
2.39
|
2.37
|
|
15. Ratio of wage bills to intermediation cost
|
71.25
|
71.10
|
72.73
|
70.74
|
33.08
|
31.95
|
86.48
|
85.47
|
41.56
|
35.91
|
65.63
|
63.11
|
|
16. Ratio of wage bills to total expenses
|
18.76
|
19.70
|
20.69
|
21.37
|
11.88
|
12.49
|
26.35
|
27.81
|
9.96
|
8.60
|
18.31
|
18.32
|
|
17. Ratio of wage bills to total income
|
15.10
|
15.18
|
16.99
|
16.41
|
8.66
|
8.62
|
22.68
|
24.28
|
7.75
|
6.66
|
14.73
|
14.07
|
|
18. Ratio of burden to total assets
|
0.81
|
0.52
|
0.96
|
0.69
|
0.12
|
0.16
|
2.05
|
0.00
|
-0.18
|
-0.49
|
0.73
|
0.38
|
|
19. Ratio of burden to interest income
|
8.96
|
5.95
|
10.37
|
7.83
|
1.37
|
1.99
|
20.98
|
0.00
|
-2.34
|
-5.63
|
8.12
|
4.41
|
|
20. Ratio of operating profits as a ratio to total assets
|
2.05
|
2.38
|
1.94
|
2.47
|
3.28
|
3.26
|
1.45
|
1.23
|
2.15
|
2.54
|
2.08
|
2.47
|
|
21. Return on assets
|
0.81
|
0.96
|
0.73
|
1.04
|
1.40
|
1.59
|
1.15
|
1.04
|
0.83
|
1.04
|
0.83
|
1.05
|
|
22. Return on equity
|
18.42
|
20.89
|
13.89
|
19.50
|
15.32
|
15.21
|
16.38
|
14.40
|
14.19
|
16.86
|
15.29
|
18.57
|
|
23. Cost of deposits
|
7.57
|
7.02
|
6.95
|
6.21
|
6.08
|
5.31
|
7.19
|
6.43
|
7.34
|
6.62
|
7.14
|
6.46
|
|
24. Cost of borrowings
|
4.26
|
2.08
|
7.13
|
5.37
|
7.30
|
5.13
|
6.31
|
6.42
|
1.52
|
0.96
|
4.64
|
2.88
|
|
25. Cost of funds
|
7.47
|
6.88
|
6.95
|
6.20
|
6.47
|
5.26
|
7.10
|
6.43
|
6.31
|
5.45
|
6.97
|
6.20
|
|
26. Return on advances
|
9.72
|
9.04
|
10.56
|
9.82
|
11.64
|
10.70
|
12.11
|
11.55
|
8.75
|
10.93
|
10.19
|
9.93
|
|
27. Return on investments
|
10.77
|
9.74
|
11.02
|
10.18
|
10.36
|
8.28
|
18.07
|
12.98
|
9.18
|
8.96
|
10.75
|
9.80
|
|
28. Return on advances adjusted to cost of funds
|
2.25
|
2.16
|
3.61
|
3.62
|
5.17
|
5.44
|
5.01
|
5.13
|
2.44
|
5.48
|
3.22
|
3.73
|
|
29. Return on investments adjusted to cost of funds
|
3.30
|
2.86
|
4.07
|
3.99
|
3.89
|
3.02
|
10.97
|
6.55
|
2.86
|
3.51
|
3.78
|
3.60
|
|
|
Source: Compiled from annual accounts of banks of respective
years.
|