(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.