(in per cent)

As on March 31

State Bank of India

Nationalised

Regional Rural

Foreign Banks

Other Scheduled

All Scheduled

and its Associates

Banks

Banks

Commercial Banks

Commercial Banks

2000

2001

2000

2001

2000

2001

2000

2001

2000

2001

2000

2001

1. Cash-deposit ratio

9.84

7.86

9.47

8.29

4.69

4.58

7.97

6.60

9.38

7.85

9.32

7.89

2.Credit-deposit ratio

50.35

48.18

46.38

48.28

38.60

39.30

72.21

72.64

49.04

49.80

48.89

    49.45

3.Investment-deposit ratio

47.26

50.36

44.13

43.29

24.09

22.98

60.14

60.42

44.69

45.39

45.22

45.79

4. (Credit + investment)-deposit ratio

97.61

98.55

90.51

91.58

62.68

62.28

132.35

133.06

93.72

95.19

94.11

95.24

5. Ratio of deposits to total liabilities

76.20

77.47

86.73

87.30

76.28

77.21

59.53

58.13

83.23

83.65

80.91

81.33

6. Ratio of term deposits to total deposits

60.74

63.36

64.04

64.61

55.57

56.62

68.54

70.39

74.71

75.98

64.38

65.71

7. Ratio of priority sector advances to total advances

29.15

29.07

31.65

31.53

76.30

73.10

21.38

21.12

26.48

24.44

30.72

30.28

8. Ratio of term-loans to total advances

32.54

32.86

37.21

37.23

60.60

59.22

48.81

46.10

29.50

32.48

36.49

36.73

9. Ratio of secured advances to total advances

91.37

88.60

90.27

88.46

91.68

93.99

63.99

61.22

88.64

85.91

88.37

86.17

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

18.18

16.14

23.60

22.89

79.45

82.94

36.23

34.23

34.78

37.09

25.31

24.40

11. Ratio of Interest income to total assets

9.38

9.20

9.68

9.64

10.08

10.07

10.25

10.26

9.89

9.67

9.67

9.58

12. Ratio of net interest margin to total assets

2.99

3.01

2.85

3.08

3.52

3.60

4.00

4.01

2.43

2.54

2.95

3.08

13. Ratio of non-interest income to total assets

1.55

1.45

1.27

1.21

0.53

0.52

2.70

2.72

1.90

1.40

1.50

1.39

14. Ratio of intermediation cost to total assets

2.66

2.90

2.73

2.93

2.71

2.54

3.25

3.37

2.11

2.04

2.68

2.83

15. Ratio of wage bills to intermediation cost

71.59

72.99

73.57

76.04

86.46

86.18

33.31

31.82

49.15

42.08

67.68

68.63

16. Ratio of wage bills to total expenses

21.03

23.29

21.01

23.44

25.24

24.31

11.38

11.15

10.82

9.35

19.28

20.83

17. Ratio of wage bills to total income

17.42

19.89

18.34

20.50

22.04

20.66

8.35

8.26

8.78

7.75

16.21

17.71

18. Ratio of burden to total assets

1.11

1.45

1.46

1.71

2.17

2.02

0.55

0.65

0.20

0.64

1.17

1.44

19. Ratio of burden to interest income

11.82

15.80

15.06

17.77

21.56

20.03

5.33

6.31

2.05

6.60

12.13

15.03

20. Ratio of operating profits as a ratio to total assets

1.88

1.55

1.39

1.36

1.35

1.59

3.45

3.36

2.23

1.90

1.78

1.64

21. Return on assets

0.86

0.60

0.47

0.35

1.10

1.31

1.30

1.10

1.02

0.77

0.73

0.57

22. Return on equity

18.64

13.50

8.24

6.65

17.63

19.35

13.55

11.97

17.18

13.52

12.76

10.41

23. Cost of deposits

7.90

7.58

7.51

7.17

7.65

7.50

7.23

6.74

8.11

7.80

7.68

7.35

24. Cost of borrowings

6.14

5.62

8.37

8.78

5.99

6.47

7.02

7.48

6.73

5.55

6.95

6.96

25. Cost of funds

7.83

7.50

7.53

7.19

7.47

7.39

7.17

6.96

8.03

7.67

7.64

7.33

26. Return on advances

10.89

10.75

11.80

11.49

12.11

12.27

13.09

13.12

12.26

11.68

11.70

11.46

27. Return on investments

11.70

10.68

11.72

11.41

19.84

19.06

11.78

11.03

11.46

11.19

11.84

11.27

28. Return on advances adjusted to cost of funds

3.06

3.25

4.27

4.30

4.64

4.88

5.91

6.16

4.22

4.01

4.06

4.13

29. Return on investments adjusted to cost of funds

3.88

3.18

4.19

4.22

12.38

11.67

4.61

4.07

3.43

3.52

4.20

3.94

Source: Compiled from annual accounts of banks of respective years.