(in per cent) |
|
As on March 31 |
State Bank of India& its Associates |
Nationalised Banks $ |
Foreign Banks |
Other Scheduled Commercial Banks |
All Scheduled Commercial Banks |
|
2005 |
2006 |
2005 |
2006 |
2005 |
2006 |
2005 |
2006* |
2005 |
2006* |
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
(10) |
1. |
Cash-deposit ratio |
4.99 |
5.72 |
6.96 |
7.57 |
7.82 |
7.13 |
6.78 |
5.51 |
6.43 |
6.67 |
2. |
Credit-deposit ratio |
56.31 |
68.49 |
61.17 |
68.01 |
87.18 |
85.77 |
70.34 |
73.06 |
62.63 |
70.07 |
3. |
Investment-deposit ratio |
51.56 |
41.47 |
45.71 |
37.85 |
49.61 |
47.09 |
44.71 |
42.15 |
47.33 |
40.09 |
4. |
(Credit+Investment)-deposit ratio |
107.87 |
109.97 |
106.88 |
105.86 |
136.79 |
132.86 |
115.05 |
115.20 |
109.96 |
110.16 |
5. |
Ratio of deposits to total liabilities |
80.63 |
78.40 |
81.17 |
81.64 |
56.23 |
56.43 |
73.53 |
74.95 |
78.01 |
77.64 |
6. |
Ratio of term deposits to total deposits |
60.95 |
56.60 |
62.99 |
61.79 |
51.95 |
49.47 |
69.52 |
69.61 |
63.03 |
61.39 |
7. |
Ratio of priority sector advances to total advances |
32.33 |
33.65 |
35.50 |
36.18 |
25.77 |
26.87 |
25.74 |
30.58 |
32.20 |
33.81 |
8. |
Ratio of term loan to total advances |
52.03 |
53.90 |
51.24 |
51.92 |
49.16 |
49.49 |
65.49 |
68.41 |
54.04 |
55.65 |
9. |
Ratio of secured advances to total advances |
79.10 |
79.04 |
84.95 |
82.27 |
63.56 |
57.66 |
86.06 |
83.23 |
82.32 |
80.09 |
10. |
Ratio of investments in non-approved securites to total investments |
9.74 |
12.44 |
19.04 |
18.55 |
20.07 |
21.31 |
30.58 |
28.06 |
18.17 |
19.11 |
11. |
Ratio of interest income to total assets |
7.49 |
7.45 |
7.38 |
7.17 |
6.33 |
6.89 |
6.61 |
6.94 |
7.20 |
7.17 |
12. |
Ratio of net interest margin to total assets |
3.27 |
3.23 |
3.13 |
2.92 |
3.54 |
3.99 |
2.51 |
2.63 |
3.08 |
3.02 |
13. |
Ratio of non-interest income to total assets |
1.61 |
1.49 |
1.42 |
1.10 |
2.67 |
2.93 |
1.60 |
1.83 |
1.59 |
1.47 |
14. |
Ratio of intermediation cost to total assets |
2.28 |
2.39 |
2.28 |
2.09 |
3.05 |
3.17 |
2.18 |
2.32 |
2.32 |
2.28 |
15. |
Ratio of wage bills to intermediation cost |
67.43 |
67.63 |
68.25 |
64.88 |
30.90 |
35.15 |
33.92 |
35.17 |
58.80 |
56.91 |
16. |
Ratio of wage bills to total expense |
23.64 |
24.47 |
23.87 |
21.37 |
16.13 |
18.35 |
11.80 |
12.31 |
21.18 |
20.18 |
17. |
Ratio of wage bills to total income |
16.89 |
18.10 |
17.72 |
16.38 |
10.47 |
11.34 |
9.02 |
9.29 |
15.50 |
15.04 |
18. |
Ratio of burden to total assets |
0.67 |
0.91 |
0.86 |
0.99 |
0.38 |
0.24 |
0.58 |
0.48 |
0.73 |
0.82 |
19. |
Ratio of burden to interest income |
8.92 |
12.17 |
11.67 |
13.81 |
6.01 |
3.48 |
8.79 |
6.94 |
10.08 |
11.40 |
20. |
Ratio of operating profits to total assets |
2.60 |
2.32 |
2.27 |
1.93 |
3.16 |
3.75 |
1.93 |
2.15 |
2.36 |
2.20 |
21. |
Return on assets |
0.95 |
0.87 |
0.95 |
0.88 |
1.61 |
2.08 |
1.06 |
1.07 |
1.01 |
1.00 |
22. |
Return on equity |
18.76 |
16.92 |
16.47 |
14.65 |
11.72 |
14.18 |
13.27 |
13.37 |
15.75 |
14.78 |
23. |
Cost of deposits |
4.96 |
4.77 |
4.56 |
4.45 |
3.11 |
3.16 |
4.14 |
4.46 |
4.53 |
4.47 |
24. |
Cost of borrowings |
2.57 |
4.07 |
1.59 |
1.77 |
3.84 |
4.89 |
1.53 |
3.25 |
2.20 |
3.11 |
25. |
Cost of funds |
4.86 |
4.74 |
4.42 |
4.26 |
3.29 |
3.61 |
3.81 |
4.32 |
4.36 |
4.35 |
26. |
Return on advances |
7.49 |
7.78 |
8.21 |
8.13 |
8.15 |
8.54 |
8.49 |
8.53 |
8.08 |
8.15 |
27. |
Return on investments |
8.39 |
7.86 |
8.22 |
7.81 |
6.98 |
8.08 |
6.16 |
6.62 |
7.87 |
7.62 |
28. |
Return on advances adjusted to cost of funds |
2.63 |
3.04 |
3.79 |
3.86 |
4.86 |
4.93 |
4.68 |
4.21 |
3.72 |
3.79 |
29. |
Return on investments adjusted to cost of funds |
3.53 |
3.13 |
3.80 |
3.54 |
3.69 |
4.47 |
2.35 |
2.30 |
3.51 |
3.26 |
Notes :
1. $ Includes IDBI Ltd.
2. * Excludes Ganesh Bank of Kurundward.
Source: Complied from annual accounts of banks of respective years. |