(in per cent)

Ratios

As on March 31

 State Bank
of India
& its
Associates

 Nation
alised
Banks $

 Foreign
Banks

 Other
Scheduled
Commercial
Banks

 All
Scheduled
Commercial
Banks

2008

2009

2008

2009

2008

2009

2008

2009

2008

2009

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

 1.  Cash-Deposit ratio

9.65

7.36

9.22

7.13

11.51

7.31

10.56

7.81

9.73

7.32

 2.  Credit-Deposit ratio

76.72

73.44

71.65

72.21

84.29

77.27

76.80

78.13

74.61

73.86

 3.  Investment-Deposit ratio

34.09

35.51

31.91

31.11

51.74

60.89

41.27

41.62

35.46

35.67

 4.  (Credit+ Investment)-Deposit ratio

110.81

108.96

103.55

103.32

136.03

138.16

118.07

119.75

110.07

109.53

 5.  Ratio of deposits to total liabilities

76.55

78.66

83.54

84.69

52.50

47.88

71.80

71.67

76.74

77.52

 6.  Ratio of term deposits to total deposits

58.03

61.45

67.01

70.15

55.30

58.27

67.17

67.26

64.27

66.85

 7.  Ratio of priority sector advances to total advances

30.82

28.69

33.16

30.85

29.58

31.20

29.27

30.76

31.55

30.32

 8.  Ratio of term loan to total advances

55.19

52.16

55.62

55.96

48.90

46.87

69.66

69.40

58.02

57.10

 9.  Ratio of secured advances to total advances

76.74

80.73

79.96

80.52

45.56

49.88

79.22

78.89

76.80

78.57

 10. Ratio of investments in non-approved securities to
total investments

19.78

15.41

17.53

16.49

16.20

23.28

30.30

29.08

20.94

19.50

 11. Ratio of interest income to total assets

7.75

7.79

7.83

8.19

7.65

7.48

8.42

8.65

7.92

8.13

 12. Ratio of net interest margin to total assets

2.49

2.39

2.28

2.34

4.33

4.32

2.67

2.86

2.58

2.63

 13. Ratio of non-interest income to total assets

1.30

1.40

1.15

1.16

3.32

3.67

2.02

1.82

1.55

1.57

 14. Ratio of intermediation cost to total assets

1.87

1.75

1.63

1.56

3.24

3.03

2.40

2.21

1.99

1.87

 15. Ratio of wage bills to intermediation cost

60.58

61.39

61.90

62.44

40.38

39.71

35.10

39.15

51.70

53.39

 16. Ratio of wage bills to total expense

15.89

15.06

14.05

13.14

19.95

19.45

10.35

10.83

14.01

13.52

 17. Ratio of wage bills to total income

12.52

11.71

11.22

10.42

11.94

10.80

8.08

8.28

10.83

10.28

 18. Ratio of burden to total assets

0.57

0.35

0.48

0.40

-0.07

-0.64

0.39

0.39

0.43

0.30

 19. Ratio of burden to interest income

7.35

4.50

6.09

4.88

-0.96

-8.55

4.59

4.50

5.48

3.66

 20. Ratio of operating profits to total assets

1.92

2.04

1.80

1.94

4.40

4.95

2.28

2.47

2.15

2.33

 21. Return on assets

0.97

1.02

1.01

1.03

2.09

1.98

1.13

1.13

1.12

1.13

 22. Return on equity

17.21

17.74

17.09

18.07

16.05

13.75

13.43

11.36

15.98

15.44

 23. Cost of deposits

5.91

6.17

5.99

6.31

4.20

4.58

6.47

6.60

5.97

6.24

 24. Cost of borrowings

5.72

4.57

2.65

3.63

4.75

4.27

3.55

3.91

3.97

4.04

 25. Cost of funds

5.90

6.07

5.82

6.18

4.33

4.51

6.13

6.29

5.80

6.06

 26. Return on advances

9.55

9.89

9.51

10.19

10.93

12.60

11.01

11.41

9.92

10.50

 27. Return on investments

7.11

6.77

7.32

7.06

8.24

7.63

7.22

6.93

7.33

7.01

 28. Return on advances adjusted to cost of funds

3.65

3.82

3.69

4.01

6.60

8.10

4.88

5.12

4.12

4.44

 29. Return on investments adjusted to cost of funds

1.22

0.70

1.50

0.88

3.91

3.12

1.09

0.64

1.52

0.95

Note : $ Includes IDBI Bank Ltd.

Source : Annual accounts of banks of respective years