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. |
