(in per cent)

As on March 31

Ratios

State Bank of India and its Associates

Nationalised Banks

Regional Rural Banks

Foreign Banks

Other Scheduled Commercial Banks

All Scheduled Commercial Banks

    2001

    2002

    2001

    2002

    2001

    2002

    2001

    2002

    2001

    2002

    2001

    2002

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

(11)

(12)

1

Cash-deposit ratio

7.86

7.77

8.29

7.14

4.58

7.06

6.60

6.27

7.85

6.67

7.89

7.21

2.

Credit-deposit ratio

    48.18

    46.88

    48.28

    51.17

    39.30

    39.76

    72.64

    75.39

    49.80

    68.71

    49.45

    53.19

3.

Investment-deposit ratio

50.36

52.86

43.29

43.46

22.98

21.26

60.42

54.40

45.39

58.40

45.79

47.91

4.

(Credit + investment)-deposit ratio

98.55

99.74

91.58

94.63

62.28

61.03

133.06

129.79

95.19

127.12

95.24

101.10

5.

Ratio of deposits to total liabilities

77.47

78.10

87.30

87.46

77.21

78.41

58.13

57.55

83.65

63.30

81.33

78.33

6.

Ratio of term deposits to total deposits

63.36

63.49

64.61

64.54

56.62

55.58

70.39

67.52

75.98

76.08

65.71

65.65

7.

Ratio of priority sector advances to total advances

29.07

28.89

31.53

31.66

73.10

73.08

21.12

21.57

24.44

16.83

30.28

28.74

8.

Ratio of term-loans to total advances

32.86

35.31

37.23

37.28

59.22

57.00

46.10

48.75

32.48

60.55

36.73

42.24

9.

Ratio of secured advances to total advances

88.60

87.69

88.46

87.06

93.99

94.94

61.22

65.06

85.91

91.73

86.17

86.63

10.

Ratio of investments in non-approved securities to total investments

16.14

14.78

22.89

22.88

82.94

79.03

34.23

61.33

37.09

42.71

24.40

26.80

11.

Ratio of Interest income to total assets

9.20

9.09

9.64

9.30

10.07

9.76

10.26

9.07

9.67

7.68

9.58

9.00

12.

Ratio of net interest margin to total assets

3.01

2.86

3.08

2.91

3.60

3.50

4.01

3.41

2.54

1.97

3.08

2.81

13.

Ratio of non-interest income to total assets

1.45

1.41

1.21

1.58

0.52

0.69

2.72

3.05

1.40

1.98

1.39

1.66

14.

Ratio of intermediation cost to total assets

2.90

2.23

2.93

2.54

2.54

2.74

3.37

3.17

2.04

1.80

2.83

2.39

15.

Ratio of wage bills to intermediation cost

72.99

71.25

76.04

72.73

86.18

86.48

31.82

33.08

42.08

41.56

68.63

65.63

16.

Ratio of wage bills to total expenses

23.29

18.76

23.44

20.69

24.31

26.35

11.15

11.88

9.35

9.96

20.83

18.31

17.

Ratio of wage bills to total income

19.89

15.10

20.50

16.99

20.66

22.68

8.26

8.66

7.75

7.75

17.71

14.73

18.

Ratio of burden to total assets

1.45

0.81

1.71

0.96

2.02

2.05

0.65

0.12

0.64

-0.18

1.44

0.73

19.

Ratio of burden to interest income

15.80

8.96

17.77

10.37

20.03

20.98

6.31

1.37

6.60

-2.34

15.03

8.12

20.

Ratio of operating profits to total assets

1.55

2.05

1.36

1.94

1.59

1.45

3.36

3.28

1.90

2.15

1.64

2.08

21.

Return on assets

0.60

0.81

0.35

0.73

1.31

1.15

1.10

1.40

0.77

0.83

0.57

0.83

22.

Return on equity

13.50

18.42

6.65

13.89

19.35

16.38

11.97

15.32

13.52

14.19

10.41

15.29

23.

Cost of deposits

7.58

7.57

7.17

6.95

7.50

7.19

6.74

6.08

7.80

7.34

7.35

7.14

24.

Cost of borrowings

5.62

4.26

8.78

7.13

6.47

6.31

7.48

7.30

5.55

1.52

6.96

4.64

25.

Cost of funds

7.50

7.47

7.19

6.95

7.39

7.10

6.96

6.47

7.67

6.31

7.33

6.97

26.

Return on advances

10.75

9.72

11.49

10.56

12.27

12.11

13.12

11.64

11.68

8.75

11.46

10.19

27.

Return on investments

10.68

10.77

11.41

11.02

19.06

18.07

11.03

10.36

11.19

9.18

11.27

10.75

28.

Return on advances adjusted to cost of funds

3.25

2.25

4.30

3.61

4.88

5.01

6.16

5.17

4.01

2.44

4.13

3.22

29.

Return on investments adjusted to cost of funds

3.18

3.30

4.22

4.07

11.67

10.97

4.07

3.89

3.52

2.86

3.94

3.78

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