TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008

STATE BANK OF INDIA & ITS ASSOCIATES

(In per cent)

As on March 31

State Bank

State Bank of

State Bank

State Bank

Ratios

of

Bikaner

of

of

India

and Jaipur

Hyderabad

Indore

2007

2008

2007

2008

2007

2008

2007

2008

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1.

Cash-Deposit ratio

6.68

9.59

12.83

11.46

6.92

11.07

6.71

6.80

2.

Credit-Deposit ratio

77.46

77.55

72.07

73.52

67.73

71.54

76.85

73.79

3.

Investment-Deposit ratio

34.25

35.26

30.67

30.78

33.54

31.99

30.00

31.10

4.

(Credit+Investment)-Deposit ratio

111.70

112.81

102.74

104.30

101.27

103.53

106.84 104.89

5.

Ratio of deposits to total liabilities

76.87

74.48

82.53

82.88

84.61

81.32

81.45

84.37

6.

Ratio of term deposits to total deposits

51.52

53.04

64.99

64.74

68.62

69.40

70.82

68.27

7.

Ratio of priority sector advances to total advances

30.24

28.61

41.03

40.99

38.99

32.78

37.46

37.93

8.

Ratio of term loan to total advances

53.68

54.72

54.05

42.10

59.86

61.23

59.03

58.88

9.

Ratio of secured advances to total advances

75.61

73.06

86.01

82.64

79.70

82.92

89.04

87.85

10.

Ratio of investments in non-approved securities

18.84

24.29

3.78

7.12

4.47

12.61

5.79

8.39

to total investments

11.

Ratio of interest income to total assets

7.02

7.60

7.66

8.07

7.50

7.96

7.33

8.27

12.

Ratio of net interest margin to total assets

2.84

2.64

3.03

2.48

2.74

2.01

2.36

2.13

13.

Ratio of non-interest income to total assets

1.28

1.35

1.59

1.25

1.30

1.22

1.17

1.15

14.

Ratio of intermediation cost to total assets

2.23

1.96

2.43

1.98

1.80

1.44

1.81

1.60

15.

Ratio of wage bills to intermediation cost

67.09

61.75

63.33

59.63

60.84

58.73

54.59

50.81

16.

Ratio of wage bills to total expense

23.33

17.48

21.79

15.61

16.71

11.47

14.59

10.51

17.

Ratio of wage bills to total income

18.03

13.51

16.63

12.68

12.46

9.24

11.64

8.64

18.

Ratio of burden to total assets

0.95

0.61

0.84

0.73

0.50

0.22

0.64

0.45

19.

Ratio of burden to interest income

13.58

8.00

10.93

9.10

6.67

2.76

8.77

5.42

20.

Ratio of operating profits to total assets

1.89

2.04

2.19

1.75

2.24

1.79

1.72

1.68

21.

Return on assets

0.84

1.01

1.00

0.87

1.14

1.00

0.87

0.88

22.

Return on equity

15.41

16.75

19.99

18.71

21.72

21.28

17.31

18.77

23.

Cost of deposits

4.59

5.57

5.23

6.23

5.36

6.86

5.46

6.59

24.

Cost of borrowings

4.12

6.43

4.49

4.50

5.86

6.52

5.02

4.74

25.

Cost of funds

4.55

5.64

5.20

6.17

5.37

6.86

5.43

6.49

26.

Return on advances

8.29

9.34

9.40

10.14

9.03

9.83

8.78

10.11

27.

Return on investments

6.71

7.05

7.30

7.34

7.03

7.53

7.19

7.19

28.

Return on advances adjusted to cost of funds

3.74

3.70

4.20

3.96

3.67

2.98

3.35

3.61

29.

Return on investments adjusted to cost of funds

2.16

1.41

2.10

1.17

1.67

0.67

1.76

0.70

30.

Business per employee (in Rs.lakh)

357.00

456.00

355.89

445.45

473.64

599.08

476.67 604.37

31.

Profit per employee (in Rs.lakh)

2.37

3.73

2.57

2.73

3.92

4.35

2.91

3.73

32.

Capital adequacy ratio

12.34

12.64

12.89

12.51

12.51

12.35

11.77

11.29

33.

Capital adequacy ratio - Tier I

8.01

8.48

7.79

6.95

8.25

7.24

6.74

7.01

34.

Capital adequacy ratio - Tier II

4.33

4.16

5.10

5.56

4.26

5.11

5.03

4.28

35.

Ratio of net NPA to net advances

1.56

1.78

1.09

0.83

0.22

0.16

1.04

0.73

Source : Annual accounts of banks of respective years.

TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2007 AND 2008 (Contd.)

STATE BANK OF INDIA & ITS ASSOCIATES

(In per cent)

As on March 31

State Bank

State Bank of

State Bank of

State Bank of

Ratios

Mysore

Patiala

Saurashtra

Travancore

2007

2008

2007

2008

2007

2008

2007

2008

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1.

Cash-Deposit ratio

9.52

9.69

5.66

8.84

7.02

11.22

7.95

9.26

2.

Credit-Deposit ratio

74.77

76.57

73.42

74.94

70.11

75.71

79.49

79.59

3.

Investment-Deposit ratio

31.74

30.60

31.54

29.60

31.72

37.02

31.36

32.11

4.

(Credit+Investment)-Deposit ratio

106.51

107.16

104.96

104.54

101.83

112.73

110.86

111.70

5.

Ratio of deposits to total liabilities

82.04

83.04

82.56

82.24

83.86

75.70

81.55

80.16

6.

Ratio of term deposits to total deposits

68.05

68.13

72.76

74.11

66.66

65.44

71.67

70.72

7.

Ratio of priority sector advances to total advances

36.31

31.85

34.58

31.60

41.64

39.55

39.54

41.73

8.

Ratio of term loan to total advances

60.67

61.51

62.36

60.88

51.87

56.29

51.78

51.22

9.

Ratio of secured advances to total advances

88.40

86.43

90.31

91.42

74.48

77.26

87.04

84.57

10.

Ratio of investments in non-approved securities

4.77

5.78

4.05

4.23

5.77

16.31

3.81

6.00

to total investments

11.

Ratio of interest income to total assets

7.69

8.33

6.91

8.09

7.32

7.75

7.70

8.37

12.

Ratio of net interest margin to total assets

2.96

2.54

2.27

1.67

2.36

1.81

2.84

2.33

13.

Ratio of non-interest income to total assets

1.52

1.41

1.00

1.12

0.89

1.03

1.04

1.07

14.

Ratio of intermediation cost to total assets

2.43

2.06

1.49

1.33

1.84

1.96

1.85

1.67

15.

Ratio of wage bills to intermediation cost

56.48

54.72

60.74

54.38

66.74

59.81

63.55

60.50

16.

Ratio of wage bills to total expense

19.19

14.37

14.72

9.32

18.08

14.83

17.50

13.14

17.

Ratio of wage bills to total income

14.93

11.57

11.41

7.84

14.98

13.35

13.43

10.73

18.

Ratio of burden to total assets

0.92

0.65

0.49

0.21

0.96

0.93

0.81

0.60

19.

Ratio of burden to interest income

11.93

7.81

7.05

2.58

13.08

12.00

10.47

7.23

20.

Ratio of operating profits to total assets

2.04

1.89

1.78

1.46

1.41

0.88

2.03

1.73

21.

Return on assets

1.10

1.08

0.77

0.83

0.46

0.28

0.86

0.89

22.

Return on equity

24.00

25.31

15.52

15.92

8.66

4.75

22.26

23.28

23.

Cost of deposits

5.18

6.42

5.25

7.12

5.56

6.75

5.21

6.52

24.

Cost of borrowings

0.73

0.12

2.21

2.42

3.77

4.31

0.18

0.45

25.

Cost of funds

5.01

6.09

5.13

6.88

5.46

6.52

4.96

6.11

26.

Return on advances

9.00

10.16

8.72

10.20

8.35

9.86

8.65

9.84

27.

Return on investments

7.40

7.54

5.89

6.94

8.25

6.79

7.34

7.27

28.

Return on advances adjusted to cost of funds

3.99

4.07

3.59

3.31

2.89

3.34

3.70

3.73

29.

Return on investments adjusted to cost of funds

2.39

1.45

0.76

0.05

2.79

0.28

2.38

1.16

30.

Business per employee (in Rs.lakh)

398.00

495.00

599.54

759.82

343.00

396.00

506.13

558.65

31.

Profit per employee (in Rs.lakh)

2.60

3.28

3.24

3.70

1.21

0.74

2.96

3.40

32.

Capital adequacy ratio

11.47

11.73

12.38

12.50

12.78

12.34

11.68

12.68

33.

Capital adequacy ratio - Tier I

6.62

6.54

8.36

6.74

8.17

8.06

7.55

6.94

34.

Capital adequacy ratio - Tier II

4.85

5.19

4.02

5.76

4.61

4.28

4.13

5.74

35.

Ratio of net NPA to net advances

0.45

0.43

0.83

0.60

0.70

0.91

1.08

0.94

Source : Annual accounts of banks of respective years.