(in per cent)

1.

Cash-Deposit ratio

9.57

5.63

7.46

5.59

8.06

5.60

6.88

5.30

2.

Credit-Deposit ratio

79.80

81.99

73.89

75.79

75.57

77.54

69.90

72.84

3.

Investment-Deposit ratio

30.96

29.70

30.40

30.21

30.56

30.07

35.08

34.61

4.

(Credit+Investment)-Deposit ratio

110.75

111.69

104.29

106.01

106.13

107.60

104.98

107.45

5.

Ratio of deposits to total liabilities

77.98

79.33

84.59

84.30

82.59

82.84

85.48

84.23

6.

Ratio of demand & savings bank deposits to total deposits

45.01

40.80

29.82

28.50

34.15

31.96

27.97

26.45

7.

Ratio of priority sector advances to total advances

32.03

30.02

29.92

28.31

30.56

28.82

34.69

31.64

8.

Ratio of term loan to total advances

50.28

49.25

54.39

53.98

53.15

52.58

49.14

46.40

9.

Ratio of secured advances total advances

81.92

82.80

80.18

82.20

80.71

82.38

87.73

88.83

10.

Ratio of investments in non-approved securities to total investments

19.57

16.26

19.28

17.10

19.36

16.86

30.18

28.14

11.

Ratio of interest income to total assets

7.30

8.52

7.62

8.57

7.52

8.56

8.06

9.53

12.

Ratio of net interest income to total assets (Net Interest Margin)

2.84

3.24

2.74

2.55

2.77

2.76

2.95

2.95

13.

Ratio of non-interest income to total assets

1.28

1.06

0.85

0.82

0.99

0.89

1.05

0.99

14.

Ratio of intermediation cost of total assets

1.94

1.94

1.60

1.44

1.70

1.59

1.94

1.91

15.

Ratio of wage bills to intermediation cost

65.90

64.70

66.44

63.10

66.25

63.68

60.94

57.75

16.

Ratio of wage bills to total expense

19.97

17.42

16.41

12.20

17.50

13.72

16.75

13.00

17.

Ratio of wage bills to total income

14.88

13.13

12.54

9.70

13.27

10.74

12.96

10.50

18.

Ratio of burden to total assets

0.66

0.88

0.75

0.63

0.72

0.70

0.89

0.92

19.

Ratio of burden to interest income

9.02

10.35

9.79

7.33

9.56

8.22

11.04

9.69

20.

Ratio of operating profits to total assets

2.19

2.36

1.99

1.92

2.05

2.05

2.06

2.03

21.

Return on assets

0.79

0.89

1.03

0.88

0.96

0.88

1.12

1.20

22.

Return on equity

14.11

16.00

18.19

15.05

16.90

15.33

14.11

15.18

23.

Cost of deposits

5.09

5.97

5.13

6.51

5.12

6.36

5.63

7.24

24.

Cost of borrowings

2.14

2.85

2.36

2.78

2.28

2.81

2.24

4.34

25.

Cost of funds

4.79

5.66

4.93

6.22

4.89

6.06

5.50

7.10

26.

Return on advances

8.84

10.26

9.21

10.32

9.09

10.30

10.42

11.98

27.

Return on investments

6.72

7.78

6.83

7.44

6.80

7.54

6.20

7.37

28.

Return on advances adjusted to cost of funds

4.05

4.61

4.28

4.10

4.21

4.25

4.92

4.88

29.

Return on investments adjusted to cost of funds

1.93

2.13

1.90

1.22

1.91

1.48

0.71

0.27

Note : $ Includes IDBI Bank Ltd.
Source : Annual accounts of banks.

TABLE 2.6 : BANK GROUP-WISE SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2011 AND 2012
(Concld.)

(in per cent)

1.

Cash-Deposit ratio

9.20

6.27

8.59

6.01

8.43

8.36

8.17

5.79

2.

Credit-Deposit ratio

82.98

85.75

79.53

82.28

81.24

82.96

76.52

78.63

3.

Investment-Deposit ratio

44.60

48.52

42.09

44.78

68.77

72.36

34.25

34.56

4.

(Credit+Investment)-Deposit ratio

127.58

134.27

121.62

127.06

150.00

155.32

110.78

113.19

5.

Ratio of deposits to total liabilities

67.81

65.91

71.72

70.01

49.00

47.47

78.18

77.76

6.

Ratio of demand & savings bank deposits to total deposits

42.54

41.37

38.70

37.36

46.76

44.02

35.50

33.46

7.

Ratio of priority sector advances to total advances

29.08

28.28

30.38

29.08

32.69

31.66

30.62

28.99

8.

Ratio of term loan to total advances

73.37

73.06

67.76

66.71

40.50

40.97

55.28

54.74

9.

Ratio of secured advances total advances

78.22

82.39

80.42

83.92

46.57

49.34

79.10

81.18

10.

Ratio of investments in non-approved securities to total investments

39.99

35.61

37.83

34.06

32.35

31.37

24.53

22.22

11.

Ratio of interest income to total assets

7.45

8.48

7.59

8.71

6.15

6.81

7.44

8.47

12.

Ratio of net interest income to total assets (Net Interest Margin)

3.15

3.10

3.10

3.07

3.86

3.96

2.91

2.90

13.

Ratio of non-interest income to total assets

1.81

1.77

1.64

1.59

2.38

2.04

1.21

1.11

14.

Ratio of intermediation cost of total assets

2.23

2.24

2.17

2.17

2.71

2.54

1.86

1.77

15.

Ratio of wage bills to intermediation cost

40.45

40.97

44.61

44.26

42.99

42.45

59.02

56.86

16.

Ratio of wage bills to total expense

13.83

12.06

14.53

12.29

23.30

20.01

17.22

13.73

17.

Ratio of wage bills to total income

9.75

8.97

10.47

9.31

13.68

12.18

12.72

10.52

18.

Ratio of burden to total assets

0.42

0.48

0.53

0.58

0.34

0.50

0.66

0.66

19.

Ratio of burden to interest income

5.67

5.61

6.96

6.60

5.46

7.33

8.81

7.84

20.

Ratio of operating profits to total assets

2.73

2.63

2.58

2.49

3.52

3.46

2.26

2.24

21.

Return on assets

1.51

1.63

1.43

1.53

1.75

1.76

1.10

1.08

22.

Return on equity

13.62

15.27

13.70

15.25

10.28

10.79

14.96

14.60

23.

Cost of deposits

4.73

6.14

4.97

6.43

3.30

4.34

5.01

6.28

24.

Cost of borrowings

2.33

2.81

2.33

2.92

2.56

2.60

2.33

2.81

25.

Cost of funds

4.27

5.45

4.56

5.84

3.11

3.81

4.73

5.89

26.

Return on advances

9.41

10.69

9.65

10.99

8.75

9.56

9.18

10.40

27.

Return on investments

6.62

7.23

6.53

7.26

7.39

8.10

6.79

7.53

28.

Return on advances adjusted to cost of funds

5.14

5.23

5.09

5.16

5.64

5.75

4.45

4.51

29.

Return on investments adjusted to cost of funds

2.35

1.78

1.96

1.43

4.28

4.29

2.06

1.63

Source : Annual accounts of banks.