(In per cent) |
Ratios |
As on March 31 |
State Bank of India |
State Bank of Bikaner& Jaipur |
State Bank of Hyderabad |
State Bank of Indore |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
1. |
Cash-deposit ratio |
5.70 |
6.68 |
7.52 |
12.83 |
6.69 |
6.92 |
6.88 |
6.71 |
2. |
Credit-deposit ratio |
68.89 |
77.46 |
73.27 |
72.07 |
61.32 |
67.73 |
71.28 |
76.85 |
3. |
Investment-deposit ratio |
42.77 |
34.25 |
36.57 |
30.49 |
41.90 |
33.54 |
30.68 |
30.00 |
4. |
(Credit+Investment)-deposit ratio |
111.65 |
111.70 |
109.84 |
102.56 |
103.22 |
101.27 |
101.96 |
106.84 |
5. |
Ratio of deposits to total liabilities |
76.93 |
76.87 |
78.85 |
82.53 |
83.74 |
84.61 |
80.44 |
81.45 |
6. |
Ratio of term deposits to total deposits |
52.45 |
51.52 |
57.94 |
64.99 |
65.66 |
68.62 |
69.17 |
70.82 |
7. |
Ratio of priority sector advances to total advances |
30.56 |
30.24 |
41.30 |
41.03 |
41.68 |
38.99 |
42.85 |
37.46 |
8. |
Ratio of term loan to total advances |
53.89 |
53.68 |
48.08 |
54.05 |
58.14 |
59.86 |
55.69 |
59.03 |
9. |
Ratio of secured advances to total advances |
76.76 |
75.61 |
88.23 |
86.01 |
80.12 |
79.70 |
88.61 |
89.04 |
10. |
Ratio of investments in non-approved securities |
14.98 |
18.84 |
4.39 |
3.21 |
5.54 |
4.47 |
8.53 |
5.79 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.54 |
7.45 |
7.72 |
8.08 |
7.28 |
7.78 |
7.03 |
7.55 |
12. |
Ratio of net interest margin to total assets |
3.27 |
3.03 |
3.90 |
3.45 |
2.90 |
3.02 |
2.88 |
2.58 |
13. |
Ratio of non-interest income to total assets |
1.56 |
1.09 |
0.97 |
1.17 |
1.22 |
1.02 |
1.30 |
0.95 |
14. |
Ratio of intermediation cost to total assets |
2.46 |
2.23 |
2.98 |
2.43 |
2.16 |
1.80 |
2.11 |
1.81 |
15. |
Ratio of wage bills to intermediation cost |
69.28 |
67.09 |
65.03 |
63.33 |
65.10 |
60.84 |
53.94 |
54.59 |
16. |
Ratio of wage bills to total expense |
25.29 |
22.50 |
28.52 |
21.79 |
21.51 |
16.71 |
18.18 |
14.59 |
17. |
Ratio of wage bills to total income |
18.71 |
17.53 |
22.32 |
16.63 |
16.56 |
12.46 |
13.67 |
11.64 |
18. |
Ratio of burden to total assets |
0.90 |
1.14 |
2.01 |
1.26 |
0.95 |
0.78 |
0.81 |
0.86 |
19. |
Ratio of burden to interest income |
11.92 |
15.33 |
26.04 |
15.56 |
12.99 |
10.06 |
11.51 |
11.38 |
20. |
Ratio of operating profits to total assets |
2.37 |
1.89 |
1.89 |
2.19 |
1.95 |
2.24 |
2.07 |
1.72 |
21. |
Return on assets |
0.89 |
0.84 |
0.53 |
0.89 |
1.13 |
1.14 |
0.76 |
0.87 |
22. |
Return on equity |
17.04 |
15.41 |
10.73 |
19.99 |
22.01 |
21.72 |
14.48 |
17.31 |
23. |
Cost of deposits |
4.85 |
4.68 |
4.50 |
5.23 |
4.98 |
5.36 |
4.61 |
5.46 |
24. |
Cost of borrowings |
5.30 |
6.09 |
3.58 |
4.25 |
5.45 |
5.86 |
4.57 |
5.02 |
25. |
Cost of funds |
4.88 |
4.79 |
4.46 |
5.19 |
4.99 |
5.37 |
4.61 |
5.43 |
26. |
Return on advances |
7.62 |
8.29 |
8.59 |
9.40 |
8.15 |
9.03 |
8.08 |
8.78 |
27. |
Return on investments |
7.77 |
7.37 |
8.85 |
8.85 |
8.21 |
7.93 |
7.76 |
8.07 |
28. |
Return on advances adjusted to cost of funds |
2.74 |
3.50 |
4.12 |
4.21 |
3.16 |
3.67 |
3.48 |
3.35 |
29. |
Return on investments adjusted to cost of funds |
2.89 |
2.58 |
4.38 |
3.66 |
3.22 |
2.57 |
3.15 |
2.64 |
30. |
Business per employee (in Rs.lakh) |
299.23 |
357.00 |
276.85 |
368.09 |
414.34 |
473.64 |
367.97 |
476.67 |
31. |
Profit per employee (in Rs.lakh) |
2.17 |
2.37 |
1.20 |
2.57 |
3.26 |
3.92 |
2.09 |
2.91 |
32. |
Capital adequacy ratio |
11.88 |
12.34 |
12.08 |
12.89 |
12.08 |
12.51 |
11.40 |
11.77 |
33. |
Capital adequacy ratio - Tier I |
9.36 |
8.01 |
8.50 |
7.79 |
8.95 |
8.25 |
7.55 |
6.74 |
34. |
Capital adequacy ratio - Tier II |
2.52 |
4.33 |
3.58 |
5.10 |
3.13 |
4.26 |
3.85 |
5.03 |
35. |
Ratio of net NPA to net advances |
1.88 |
1.56 |
1.18 |
1.09 |
0.36 |
0.22 |
1.83 |
1.04 |
Source : Annual accounts of banks of respective years. |
(In per cent) |
Ratios |
As on March 31 |
State Bank of Mysore |
State Bank of Patiala |
State Bank of Saurashtra |
State Bank of Travancore |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
2006 |
2007 |
(9) |
(10) |
(11) |
(12) |
(13) |
(14) |
(15) |
(16) |
1. |
Cash-deposit ratio |
4.56 |
9.52 |
4.47 |
5.66 |
5.97 |
7.02 |
4.76 |
7.95 |
2. |
Credit-deposit ratio |
71.81 |
74.77 |
65.66 |
73.42 |
61.00 |
70.11 |
72.57 |
80.00 |
3. |
Investment-deposit ratio |
34.78 |
31.74 |
37.53 |
31.54 |
42.81 |
31.71 |
40.89 |
30.86 |
4. |
(Credit+Investment)-deposit ratio |
106.59 |
106.51 |
103.20 |
104.96 |
103.81 |
101.82 |
113.46 |
110.86 |
5. |
Ratio of deposits to total liabilities |
84.65 |
82.04 |
81.92 |
82.56 |
83.74 |
83.86 |
81.59 |
81.55 |
6. |
Ratio of term deposits to total deposits |
64.49 |
68.05 |
70.42 |
72.76 |
63.64 |
66.66 |
69.60 |
71.67 |
7. |
Ratio of priority sector advances to total advances |
42.45 |
36.31 |
37.87 |
34.58 |
41.61 |
41.64 |
41.10 |
39.92 |
8. |
Ratio of term loan to total advances |
56.60 |
60.67 |
59.61 |
62.36 |
46.98 |
51.87 |
47.86 |
52.08 |
9. |
Ratio of secured advances to total advances |
86.09 |
88.40 |
84.83 |
90.31 |
76.15 |
74.48 |
85.98 |
87.12 |
10. |
Ratio of investments in non-approved securities |
6.26 |
4.77 |
5.97 |
4.05 |
8.14 |
5.72 |
4.29 |
2.24 |
|
to total investments |
|
|
|
|
|
|
|
|
11. |
Ratio of interest income to total assets |
7.50 |
7.82 |
6.77 |
7.15 |
7.45 |
7.57 |
7.57 |
8.11 |
12. |
Ratio of net interest margin to total assets |
3.41 |
3.09 |
2.74 |
2.50 |
3.03 |
2.61 |
3.15 |
3.25 |
13. |
Ratio of non-interest income to total assets |
1.87 |
1.39 |
0.95 |
0.76 |
0.67 |
0.64 |
1.16 |
0.64 |
14. |
Ratio of intermediation cost to total assets |
2.84 |
2.43 |
1.68 |
1.49 |
1.95 |
1.84 |
2.08 |
1.85 |
15. |
Ratio of wage bills to intermediation cost |
58.09 |
56.48 |
60.84 |
60.74 |
74.41 |
66.74 |
64.02 |
63.55 |
16. |
Ratio of wage bills to total expense |
23.78 |
19.19 |
17.92 |
14.72 |
22.81 |
18.08 |
20.49 |
17.50 |
17. |
Ratio of wage bills to total income |
17.59 |
14.93 |
13.25 |
11.41 |
17.90 |
14.98 |
15.28 |
13.43 |
18. |
Ratio of burden to total assets |
0.97 |
1.05 |
0.73 |
0.72 |
1.29 |
1.20 |
0.93 |
1.21 |
19. |
Ratio of burden to interest income |
12.91 |
13.36 |
10.75 |
10.14 |
17.28 |
15.86 |
12.24 |
14.95 |
20. |
Ratio of operating profits to total assets |
2.44 |
2.04 |
2.01 |
1.78 |
1.75 |
1.41 |
2.22 |
2.03 |
21. |
Return on assets |
1.23 |
1.10 |
0.73 |
0.77 |
0.31 |
0.46 |
0.86 |
0.86 |
22. |
Return on equity |
25.62 |
24.00 |
14.17 |
15.52 |
6.79 |
8.66 |
21.02 |
22.26 |
23. |
Cost of deposits |
4.51 |
5.18 |
4.59 |
5.25 |
4.97 |
5.56 |
5.00 |
5.21 |
24. |
Cost of borrowings |
4.30 |
2.33 |
6.89 |
2.21 |
3.62 |
3.77 |
0.34 |
0.18 |
25. |
Cost of funds |
4.51 |
5.07 |
4.66 |
5.13 |
4.88 |
5.46 |
4.89 |
4.96 |
26. |
Return on advances |
8.50 |
9.00 |
8.03 |
8.72 |
7.62 |
8.35 |
7.90 |
8.62 |
27. |
Return on investments |
7.66 |
7.86 |
7.16 |
6.73 |
9.11 |
9.03 |
8.47 |
8.75 |
28. |
Return on advances adjusted to cost of funds |
4.00 |
3.93 |
3.37 |
3.59 |
2.74 |
2.89 |
3.01 |
3.67 |
29. |
Return on investments adjusted to cost of funds |
3.15 |
2.79 |
2.50 |
1.60 |
4.23 |
3.57 |
3.59 |
3.79 |
30. |
Business per employee (in Rs.lakh) |
290.00 |
398.00 |
493.01 |
599.54 |
303.94 |
343.00 |
381.19 |
506.13 |
31. |
Profit per employee (in Rs.lakh) |
2.22 |
2.60 |
2.66 |
3.24 |
0.64 |
1.21 |
2.34 |
2.96 |
32. |
Capital adequacy ratio |
11.37 |
11.47 |
13.67 |
12.38 |
12.03 |
12.78 |
11.15 |
11.68 |
33. |
Capital adequacy ratio - Tier I |
7.44 |
6.62 |
9.96 |
8.36 |
9.02 |
8.17 |
7.24 |
7.55 |
34. |
Capital adequacy ratio - Tier II |
3.93 |
4.85 |
3.71 |
4.02 |
3.01 |
4.61 |
3.91 |
4.13 |
35. |
Ratio of net NPA to net advances |
0.74 |
0.45 |
0.99 |
0.83 |
1.16 |
0.70 |
1.47 |
1.08 |
Source : Annual accounts of banks of respective years. |