(in per cent)

As on March 31

State Bank of India& its Associates

Nationalised Banks $

Foreign Banks

Other Scheduled Commercial Banks

All Scheduled Commercial Banks

2005

2006

2005

2006

2005

2006

2005

2006*

2005

2006*

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

1.

Cash-deposit ratio

4.99

5.72

6.96

7.57

7.82

7.13

6.78

5.51

6.43

6.67

2.

Credit-deposit ratio

56.31

68.49

61.17

68.01

87.18

85.77

70.34

73.06

62.63

70.07

3.

Investment-deposit ratio

51.56

41.47

45.71

37.85

49.61

47.09

44.71

42.15

47.33

40.09

4.

(Credit+Investment)-deposit ratio

107.87

109.97

106.88

105.86

136.79

132.86

115.05

115.20

109.96

110.16

5.

Ratio of deposits to total liabilities

80.63

78.40

81.17

81.64

56.23

56.43

73.53

74.95

78.01

77.64

6.

Ratio of term deposits to total deposits

60.95

56.60

62.99

61.79

51.95

49.47

69.52

69.61

63.03

61.39

7.

Ratio of priority sector advances to  total advances

32.33

33.65

35.50

36.18

25.77

26.87

25.74

30.58

32.20

33.81

8.

Ratio of term loan to total advances

52.03

53.90

51.24

51.92

49.16

49.49

65.49

68.41

54.04

55.65

9.

Ratio of secured advances to total advances

79.10

79.04

84.95

82.27

63.56

57.66

86.06

83.23

82.32

80.09

10.

Ratio of investments in non-approved securites to total investments

9.74

12.44

19.04

18.55

20.07

21.31

30.58

28.06

18.17

19.11

11.

Ratio of interest income to total assets

7.49

7.45

7.38

7.17

6.33

6.89

6.61

6.94

7.20

7.17

12.

Ratio of net interest margin to total assets

3.27

3.23

3.13

2.92

3.54

3.99

2.51

2.63

3.08

3.02

13.

Ratio of non-interest income to total assets

1.61

1.49

1.42

1.10

2.67

2.93

1.60

1.83

1.59

1.47

14.

Ratio of intermediation cost to total assets

2.28

2.39

2.28

2.09

3.05

3.17

2.18

2.32

2.32

2.28

15.

Ratio of wage bills to intermediation cost

67.43

67.63

68.25

64.88

30.90

35.15

33.92

35.17

58.80

56.91

16.

Ratio of wage bills to total expense

23.64

24.47

23.87

21.37

16.13

18.35

11.80

12.31

21.18

20.18

17.

Ratio of wage bills to total income

16.89

18.10

17.72

16.38

10.47

11.34

9.02

9.29

15.50

15.04

18.

Ratio of burden to total assets

0.67

0.91

0.86

0.99

0.38

0.24

0.58

0.48

0.73

0.82

19.

Ratio of burden to interest income

8.92

12.17

11.67

13.81

6.01

3.48

8.79

6.94

10.08

11.40

20.

Ratio of operating profits to total assets

2.60

2.32

2.27

1.93

3.16

3.75

1.93

2.15

2.36

2.20

21.

Return on assets

0.95

0.87

0.95

0.88

1.61

2.08

1.06

1.07

1.01

1.00

22.

Return on equity

18.76

16.92

16.47

14.65

11.72

14.18

13.27

13.37

15.75

14.78

23.

Cost of deposits

4.96

4.77

4.56

4.45

3.11

3.16

4.14

4.46

4.53

4.47

24.

Cost of borrowings

2.57

4.07

1.59

1.77

3.84

4.89

1.53

3.25

2.20

3.11

25.

Cost of funds

4.86

4.74

4.42

4.26

3.29

3.61

3.81

4.32

4.36

4.35

26.

Return on advances

7.49

7.78

8.21

8.13

8.15

8.54

8.49

8.53

8.08

8.15

27.

Return on investments

8.39

7.86

8.22

7.81

6.98

8.08

6.16

6.62

7.87

7.62

28.

Return on advances adjusted to cost of funds

2.63

3.04

3.79

3.86

4.86

4.93

4.68

4.21

3.72

3.79

29.

 Return on investments adjusted to cost of funds

3.53

3.13

3.80

3.54

3.69

4.47

2.35

2.30

3.51

3.26

Notes :
1. $ Includes IDBI Ltd.
2. * Excludes Ganesh Bank of Kurundward.
Source: Complied from annual accounts of banks of respective years.