Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000 (Part 1 of 6) - आरबीआई - Reserve Bank of India
Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000
(Part 1 of 6)
STATE BANK OF INDIA AND ITS ASSOCIATES |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
State Bank | State Bank of | State Bank of | State Bank of | ||||||
of India | Bikaner and Jaipur | Hyderabad | Indore | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) |
1. | Cash-deposit ratio | 10.29 | 9.60 | 16.31 | 13.76 | 10.91 | 10.96 | 13.33 | 11.30 |
2. | Credit-deposit ratio | 48.72 | 49.84 | 49.62 | 48.50 | 50.23 | 48.60 | 52.64 | 55.76 |
3. | Investment-deposit ratio | 42.17 | 46.68 | 49.11 | 53.40 | 55.68 | 55.96 | 46.71 | 47.11 |
4. | (Credit + investment)-deposit ratio | 90.89 | 96.52 | 98.73 | 101.90 | 105.92 | 104.56 | 99.35 | 102.86 |
5. | Ratio of deposits to total liabilities | 75.97 | 75.26 | 75.68 | 72.77 | 80.50 | 80.78 | 81.21 | 81.17 |
6. | Ratio of term deposits to total deposits | 61.54 | 60.53 | 56.31 | 58.35 | 60.16 | 62.11 | 56.26 | 59.10 |
7. | Ratio of priority sector advances to total advances | 28.04 | 26.38 | 42.40 | 41.50 | 35.29 | 35.63 | 43.39 | 40.47 |
8. | Ratio of term-loans to total advances | 34.76 | 34.54 | 23.79 | 24.58 | 23.98 | 25.12 | 31.70 | 31.44 |
9. | Ratio of secured advances to total advances | 93.85 | 93.94 | 96.26 | 96.20 | 96.50 | 98.21 | 96.71 | 97.04 |
10. | Ratio of investments in non-approved securities to total investments | 18.33 | 19.48 | 13.31 | 10.57 | 16.43 | 14.57 | 12.13 | 12.91 |
11. | Ratio of Interest income to total assets | 9.50 | 9.17 | 10.28 | 9.83 | 10.30 | 10.33 | 10.93 | 9.97 |
12. | Ratio of net interest margin to total assets | 3.02 | 2.86 | 3.52 | 3.29 | 3.91 | 3.62 | 4.30 | 3.34 |
13. | Ratio of non-interest income to total assets | 1.63 | 1.47 | 1.74 | 1.94 | 1.60 | 1.86 | 1.96 | 2.39 |
14. | Ratio of intermediation cost to total assets | 2.93 | 2.60 | 3.54 | 3.24 | 3.21 | 2.61 | 3.73 | 3.43 |
15. | Ratio of wage bills to intermediation cost | 70.34 | 71.13 | 75.66 | 72.24 | 73.16 | 66.87 | 70.57 | 69.24 |
16. | Ratio of wage bills to total expenses | 21.90 | 20.76 | 26.01 | 23.92 | 24.48 | 18.75 | 25.38 | 23.62 |
17. | Ratio of wage bills to total income | 18.52 | 17.38 | 22.27 | 19.87 | 19.76 | 14.34 | 20.40 | 19.22 |
18. | Ratio of burden to total assets | 1.30 | 1.13 | 1.79 | 1.30 | 1.61 | 0.76 | 1.77 | 1.04 |
19. | Ratio of burden to interest income | 13.67 | 12.28 | 17.45 | 13.21 | 15.68 | 7.33 | 16.15 | 10.42 |
20. | Ratio of operating profits to total assets | 1.72 | 1.74 | 1.73 | 2.10 | 2.29 | 2.87 | 2.53 | 2.30 |
21. | Return on assets | 0.46 | 0.75 | 0.98 | 1.06 | 0.85 | 0.82 | 0.63 | 0.85 |
22. | Return on equity | 10.27 | 18.20 | 24.07 | 25.55 | 25.19 | 22.94 | 17.17 | 21.16 |
23. | Cost of deposits | 8.13 | 7.87 | 8.37 | 8.23 | 7.49 | 7.93 | 7.83 | 7.67 |
24. | Cost of borrowings | 5.53 | 6.07 | 5.67 | 11.89 | 12.42 | 14.47 | 1.35 | 3.10 |
25. | Cost of funds | 7.99 | 7.78 | 8.33 | 8.27 | 7.56 | 8.01 | 7.75 | 7.56 |
26. | Return on advances | 10.96 | 10.59 | 12.27 | 11.69 | 12.49 | 11.90 | 13.01 | 11.54 |
27. | Return on investments | 12.01 | 11.65 | 12.69 | 12.08 | 11.42 | 11.57 | 11.53 | 11.30 |
28. | Return on advances adjusted to cost of funds | 2.97 | 2.80 | 3.95 | 3.42 | 4.93 | 3.88 | 5.26 | 3.99 |
29. | Return on investments adjusted to cost of funds | 4.03 | 3.87 | 4.36 | 3.81 | 3.86 | 3.56 | 3.78 | 3.75 |
30. | Business per employee (in Rs. lakh) | 93.64 | 111.20 | 74.17 | 86.47 | 109.00 | 126.00 | 80.52 | 142.82 |
31. | Profit per employee (in Rs. lakh) | 0.43 | 0.87 | 1.14 | 1.69 | 0.76 | 0.87 | 1.67 | 1.07 |
32. | Capital adequacy ratio | 12.51 | 11.49 | 12.26 | 12.35 | 10.65 | 10.86 | 12.35 | 12.10 |
33. | Capital adequacy ratio - Tier I | 9.36 | 8.28 | 10.45 | 11.09 | 8.59 | 9.27 | 8.70 | 8.86 |
34. | Capital adequacy ratio - Tier II | 3.15 | 3.21 | 1.81 | 1.26 | 2.06 | 1.59 | 3.65 | 3.24 |
35. | Ratio of net NPA to net advances | 7.18 | 6.41 | 10.45 | 10.14 | 8.78 | 7.30 | 10.10 | 6.95 |
| | | | | | | | | (per cent) |
Year ended March 31 | |||||||||
State Bank of | State Bank of | State Bank of | State Bank of | ||||||
Mysore | Patiala | Saurashtra | Travancore | ||||||
Ratio | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | 1999 | 2000 | |
| | (9) | (10) | (11) | (12) | (13) | (14) | (15) | (16) |
1. | Cash-deposit ratio | 12.83 | 10.57 | 12.54 | 10.85 | 12.02 | 12.86 | 7.29 | 5.56 |
2. | Credit-deposit ratio | 53.56 | 52.70 | 54.41 | 56.72 | 56.93 | 55.43 | 49.15 | 50.39 |
3. | Investment-deposit ratio | 40.95 | 45.63 | 40.57 | 44.43 | 42.59 | 44.52 | 50.68 | 47.84 |
4. | (Credit + investment)-deposit ratio | 94.51 | 98.33 | 94.98 | 101.15 | 99.52 | 99.95 | 99.83 | 98.23 |
5. | Ratio of deposits to total liabilities | 81.07 | 80.05 | 81.52 | 82.70 | 74.96 | 76.62 | 79.26 | 81.89 |
6. | Ratio of term deposits to total deposits | 63.22 | 64.57 | 53.96 | 54.15 | 64.41 | 66.72 | 66.18 | 66.86 |
7. | Ratio of priority sector advances to total advances | 37.50 | 39.09 | 38.59 | 36.92 | 43.36 | 43.14 | 33.13 | 33.23 |
8. | Ratio of term-loans to total advances | 24.84 | 26.10 | 24.29 | 28.66 | 21.74 | 21.81 | 21.83 | 25.80 |
9. | Ratio of secured advances to total advances | 97.41 | 94.75 | 94.50 | 91.77 | 98.65 | 98.77 | 93.58 | 91.40 |
10. | Ratio of investments in non-approved securities to total investments | 19.51 | 19.90 | 14.54 | 14.68 | 25.88 | 22.14 | 6.87 | 9.23 |
11. | Ratio of Interest income to total assets | 10.94 | 10.55 | 9.94 | 10.11 | 10.36 | 10.02 | 10.17 | 9.93 |
12. | Ratio of net interest margin to total assets | 3.86 | 3.71 | 3.74 | 4.11 | 3.85 | 3.47 | 2.38 | 2.41 |
13. | Ratio of non-interest income to total assets | 1.88 | 2.17 | 1.29 | 1.42 | 1.58 | 1.64 | 1.52 | 1.67 |
14. | Ratio of intermediation cost to total assets | 3.86 | 3.73 | 2.55 | 2.50 | 3.31 | 2.78 | 2.40 | 2.52 |
15. | Ratio of wage bills to intermediation cost | 76.43 | 78.96 | 72.90 | 72.99 | 75.20 | 74.00 | 72.07 | 75.23 |
16. | Ratio of wage bills to total expenses | 26.96 | 27.84 | 21.26 | 21.46 | 25.32 | 22.02 | 16.96 | 18.90 |
17. | Ratio of wage bills to total income | 22.99 | 23.14 | 16.56 | 15.82 | 20.83 | 17.61 | 14.79 | 16.36 |
18. | Ratio of burden to total assets | 1.97 | 1.56 | 1.26 | 1.08 | 1.73 | 1.14 | 0.88 | 0.85 |
19. | Ratio of burden to interest income | 18.03 | 14.80 | 12.70 | 10.65 | 16.71 | 11.33 | 8.61 | 8.60 |
20. | Ratio of operating profits to total assets | 1.89 | 2.15 | 2.48 | 3.03 | 2.11 | 2.33 | 1.50 | 1.56 |
21. | Return on assets | 0.49 | 0.58 | 0.99 | 1.13 | 0.38 | 1.14 | 0.40 | 0.53 |
22. | Return on equity | 14.59 | 18.41 | 16.53 | 18.17 | 6.32 | 18.94 | 11.81 | 16.31 |
23. | Cost of deposits | 8.18 | 8.00 | 7.47 | 7.16 | 8.31 | 8.40 | 8.99 | 8.74 |
24. | Cost of borrowings | 4.26 | 2.79 | 7.20 | 5.58 | 0.33 | 0.68 | 38.92 | 40.60 |
25. | Cost of funds | 8.03 | 7.68 | 7.47 | 7.14 | 7.93 | 8.05 | 9.16 | 8.91 |
26. | Return on advances | 14.42 | 13.67 | 12.10 | 11.53 | 12.28 | 12.22 | 11.52 | 10.97 |
27. | Return on investments | 12.37 | 11.99 | 12.01 | 11.59 | 14.01 | 12.66 | 12.24 | 12.10 |
28. | Return on advances adjusted to cost of funds | 6.39 | 5.99 | 4.62 | 4.39 | 4.35 | 4.17 | 2.37 | 2.07 |
29. | Return on investments adjusted to cost of funds | 4.34 | 4.31 | 4.54 | 4.45 | 6.07 | 4.61 | 3.08 | 3.20 |
30. | Business per employee (in Rs. lakh) | 70.75 | 81.61 | 106.67 | 123.62 | 82.10 | 98.28 | 99.97 | 121.65 |
31. | Profit per employee (in Rs. lakh) | 1.05 | 1.42 | 0.77 | 0.99 | 0.31 | 1.09 | 0.35 | 0.54 |
32. | Capital adequacy ratio | 10.23 | 11.50 | 12.47 | 12.60 | 14.35 | 14.48 | 10.27 | 11.09 |
33. | Capital adequacy ratio - Tier I | 7.49 | 7.38 | 10.54 | 10.83 | 13.65 | 14.13 | 7.75 | 7.54 |
34. | Capital adequacy ratio - Tier II | 2.74 | 4.12 | 1.93 | 1.77 | 0.70 | 0.35 | 2.52 | 3.55 |
35. | Ratio of net NPA to net advances | 10.55 | 8.12 | 8.23 | 6.09 | 7.70 | 7.87 | 10.80 | 8.58 |
Source : Compiled from annual accounts of banks of respective years. |