(in per cent)

As on March 31

State Bank of India and its

Associates

Nationalised Banks

Foreign Banks

Regional Rural Banks

Other Scheduled

Commercial Banks

All Scheduled

Commercial Banks

2002

2003

2002

2003

2002

2003

2002

2003

2002

2003

2002

2003

1. Cash-deposit ratio

7.77

4.89

7.14

6.69

6.27

6.58

7.06

6.31

6.67

7.90

7.21

6.35

2.Credit-deposit ratio

46.88

48.39

51.17

52.32

75.39

75.27

39.76

42.39

68.71

66.55

53.19

54.11

3.Investment-deposit ratio

52.86

57.12

43.46

46.82

54.40

58.86

21.26

34.68

58.40

51.53

47.91

50.55

4. (Credit + investment)-deposit ratio

99.74

105.51

94.63

99.14

129.79

134.13

61.03

77.07

127.12

118.08

101.10

104.66

5. Ratio of deposits to total liabilities

78.10

79.16

87.46

86.99

57.55

59.56

78.41

79.32

63.30

70.11

78.33

79.88

6. Ratio of term deposits to total deposits

63.49

63.03

64.54

63.75

67.52

66.22

55.58

53.41

76.08

76.13

65.65

65.14

28.89

28.94

31.66

33.74

21.57

21.91

73.08

74.96

16.83

22.19

28.74

30.76

8. Ratio of term-loans to total advances

35.31

39.18

37.28

39.33

48.75

47.86

57.00

56.03

60.55

64.05

42.24

44.81

9. Ratio of secured advances to total advances

87.69

87.56

87.06

87.15

65.06

67.43

94.94

94.93

91.73

91.89

86.63

75.63

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

14.78

13.21

22.88

20.41

61.33

24.11

79.03

38.75

42.71

30.88

26.80

22.55

11. Ratio of Interest income to total assets

9.09

8.66

9.30

8.86

9.07

7.85

9.76

9.02

7.68

8.66

9.00

8.71

12. Ratio of net interest margin to total assets

2.86

2.90

2.91

3.16

3.41

3.42

3.50

0.00

1.97

2.05

2.81

2.81

13. Ratio of non-interest income to total assets

1.41

1.70

1.58

1.77

3.05

2.69

0.69

0.70

1.98

2.57

1.66

1.91

14. Ratio of intermediation cost to total assets

2.23

2.21

2.54

2.47

3.17

2.85

2.74

2.76

1.80

2.08

2.39

2.37

15. Ratio of wage bills to intermediation cost

71.25

71.10

72.73

70.74

33.08

31.95

86.48

85.47

41.56

35.91

65.63

63.11

16. Ratio of wage bills to total expenses

18.76

19.70

20.69

21.37

11.88

12.49

26.35

27.81

9.96

8.60

18.31

18.32

17. Ratio of wage bills to total income

15.10

15.18

16.99

16.41

8.66

8.62

22.68

24.28

7.75

6.66

14.73

14.07

18. Ratio of burden to total assets

0.81

0.52

0.96

0.69

0.12

0.16

2.05

0.00

-0.18

-0.49

0.73

0.38

19. Ratio of burden to interest income

8.96

5.95

10.37

7.83

1.37

1.99

20.98

0.00

-2.34

-5.63

8.12

4.41

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

2.05

2.38

1.94

2.47

3.28

3.26

1.45

1.23

2.15

2.54

2.08

2.47

21. Return on assets

0.81

0.96

0.73

1.04

1.40

1.59

1.15

1.04

0.83

1.04

0.83

1.05

22. Return on equity

18.42

20.89

13.89

19.50

15.32

15.21

16.38

14.40

14.19

16.86

15.29

18.57

23. Cost of deposits

7.57

7.02

6.95

6.21

6.08

5.31

7.19

6.43

7.34

6.62

7.14

6.46

24. Cost of borrowings

4.26

2.08

7.13

5.37

7.30

5.13

6.31

6.42

1.52

0.96

4.64

2.88

25. Cost of funds

7.47

6.88

6.95

6.20

6.47

5.26

7.10

6.43

6.31

5.45

6.97

6.20

26. Return on advances

9.72

9.04

10.56

9.82

11.64

10.70

12.11

11.55

8.75

10.93

10.19

9.93

27. Return on investments

10.77

9.74

11.02

10.18

10.36

8.28

18.07

12.98

9.18

8.96

10.75

9.80

28. Return on advances adjusted to cost of funds

2.25

2.16

3.61

3.62

5.17

5.44

5.01

5.13

2.44

5.48

3.22

3.73

29. Return on investments adjusted to cost of funds

3.30

2.86

4.07

3.99

3.89

3.02

10.97

6.55

2.86

3.51

3.78

3.60

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