(In
per cent) |
| As
on March 31 |
| State
Bank | | | Other | All |
Ratios | of
India | Nationalised | Foreign | Scheduled | Scheduled |
| &
its | Banks
$ | Banks | Commercial | Commercial |
| Associates | | | Banks | Banks |
| 2006 | 2007 | 2006 | 2007 | 2006 | 2007 | 2006 | 2007 | 2006 | 2007 |
| (1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) | (9) | (10) |
1. | Cash-deposit
ratio | 5.72 | 7.08 | 7.57 | 7.16 | 7.13 | 8.05 | 5.51 | 7.43 | 6.67 | 7.24 |
2. | Credit-deposit
ratio | 68.52 | 76.16 | 68.01 | 70.38 | 85.77 | 83.78 | 73.04 | 75.14 | 70.07 | 73.46 |
3. | Investment-deposit
ratio | 41.44 | 33.41 | 37.85 | 33.29 | 46.05 | 47.40 | 42.14 | 38.89 | 40.03 | 35.25 |
4. | (Credit+Investment)-deposit
ratio | 109.96 | 109.57 | 105.86 | 103.67 | 131.83 | 131.18 | 115.19 | 114.03 | 110.10 | 108.71 |
5. | Ratio
of deposits to total liabilities | 78.40 | 78.62 | 81.64 | 83.27 | 57.06 | 54.24 | 74.95 | 74.05 | 77.70 | 77.87 |
6. | Ratio
of term deposits to total deposits | 56.60 | 57.11 | 61.79 | 64.57 | 49.47 | 56.83 | 69.61 | 70.17 | 61.39 | 63.53 |
7. | Ratio
of priority sector advances to | 33.64 | 32.66 | 36.18 | 34.69 | 26.87 | 27.44 | 30.59 | 31.58 | 33.81 | 33.08 |
| total
advances | | | | | | | | | | |
9. | Ratio
of secured advances to total advances | 79.05 | 78.60 | 82.15 | 82.66 | 57.67 | 54.34 | 83.23 | 81.42 | 80.04 | 79.61 |
10. | Ratio
of investments in non-approved | 12.45 | 14.50 | 18.61 | 19.13 | 21.80 | 21.20 | 28.04 | 25.51 | 19.17 | 19.70 |
| securities
to total investments | | | | | | | | | | |
11. | Ratio
of interest income to total assets | 7.48 | 7.52 | 7.17 | 7.56 | 6.96 | 7.55 | 7.05 | 7.77 | 7.21 | 7.59 |
12. | Ratio
of net interest margin to total assets | 3.22 | 3.00 | 2.92 | 2.85 | 4.05 | 4.36 | 2.74 | 2.77 | 3.04 | 2.99 |
13. | Ratio
of non-interest income to total assets | 1.44 | 1.04 | 1.00 | 0.88 | 3.04 | 2.91 | 1.62 | 1.69 | 1.38 | 1.25 |
14. | Ratio
of intermediation cost to total assets | 2.39 | 2.13 | 2.07 | 1.84 | 3.32 | 3.24 | 2.41 | 2.33 | 2.30 | 2.12 |
15. | Ratio
of wage bills to intermediation cost | 67.67 | 65.49 | 65.42 | 63.56 | 34.25 | 39.80 | 33.87 | 34.43 | 56.52 | 54.52 |
16. | Ratio
of wage bills to total expense | 24.35 | 21.01 | 21.42 | 17.89 | 18.22 | 20.06 | 12.15 | 10.94 | 20.11 | 17.20 |
17. | Ratio
of wage bills to total income | 18.13 | 16.32 | 16.56 | 13.88 | 11.35 | 12.35 | 9.41 | 8.47 | 15.16 | 13.09 |
18. | Ratio
of burden to total assets | 0.95 | 1.09 | 1.07 | 0.96 | 0.27 | 0.34 | 0.79 | 0.64 | 0.93 | 0.88 |
19. | Ratio
of burden to interest income | 12.64 | 14.53 | 14.87 | 12.70 | 3.93 | 4.46 | 11.21 | 8.22 | 12.86 | 11.54 |
20. | Ratio
of operating profits to total assets | 2.28 | 1.91 | 1.86 | 1.89 | 3.77 | 4.02 | 1.95 | 2.13 | 2.12 | 2.11 |
21. | Return
on assets | 0.87 | 0.86 | 0.89 | 0.94 | 2.08 | 2.27 | 1.07 | 1.02 | 1.01 | 1.05 |
22. | Return
on equity | 16.92 | 16.31 | 14.65 | 15.97 | 14.18 | 15.98 | 13.34 | 13.71 | 14.77 | 15.51 |
23. | Cost
of deposits | 4.83 | 4.87 | 4.45 | 4.96 | 3.16 | 3.60 | 4.46 | 5.37 | 4.48 | 4.95 |
24. | Cost
of borrowings | 5.11 | 5.54 | 1.77 | 2.30 | 5.01 | 5.31 | 3.27 | 3.61 | 3.30 | 3.87 |
25. | Cost
of funds | 4.84 | 4.92 | 4.27 | 4.81 | 3.63 | 4.03 | 4.33 | 5.18 | 4.38 | 4.86 |
26. | Return
on advances | 7.77 | 8.46 | 8.13 | 8.79 | 8.54 | 9.77 | 8.72 | 9.55 | 8.19 | 8.93 |
27. | Return
on investments | 7.86 | 7.57 | 7.83 | 7.73 | 8.30 | 8.77 | 6.64 | 7.26 | 7.65 | 7.66 |
28. | Return
on advances adjusted to cost of funds | 2.93 | 3.55 | 3.86 | 3.99 | 4.90 | 5.74 | 4.39 | 4.38 | 3.80 | 4.08 |
29. | Return
on investments adjusted to cost of funds | 3.02 | 2.65 | 3.57 | 2.93 | 4.66 | 4.74 | 2.31 | 2.08 | 3.26 | 2.80 |
Note :
$ Includes IDBI Ltd.
Source : Annual accounts
of banks of respective years. |