TABLE 2.6 : BANK GROUP-WISE SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2007 AND
2008

(in per cent)

As on March 31

Ratios

State Bank of India& its Associates

Nationalised Banks $

Foreign Banks

Other Scheduled Commercia l Banks

All Scheduled Commercial Banks

2007

2008

2007

2008

2007

2008

2007

2008

2007

2008

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

1.

Cash-Deposit ratio

7.08

9.65

7.16

9.22

8.06

11.52

7.41

10.56

7.24

9.73

2.

Credit-Deposit ratio

76.13

76.72

70.39

71.65

83.81

84.31

75.14

76.79

73.46

74.61

3.

Investment-Deposit ratio

33.45

34.09

33.29

31.86

47.41

51.75

38.89

41.21

35.26

35.43

4.

(Credit+Investment)-Deposit ratio

109.58

110.81

103.68

103.51

131.22

136.07

114.03

118.00

108.72

110.03

5.

Ratio of deposits to total liabilities

78.62

76.53

83.26

83.54

54.94

52.49

74.05

71.80

77.95

76.74

6.

Ratio of term deposits to total deposits

57.11

58.03

64.57

67.01

54.90

55.29

70.17

67.17

63.42

64.27

7.

Ratio of priority sector advances to

32.64

30.82

34.69

32.56

27.44

29.59

31.58

29.27

33.08

31.26

total advances

8.

Ratio of term loan to total advances

54.84

55.19

54.91

55.62

51.47

48.90

70.31

69.51

57.90

57.99

9.

Ratio of secured advances to total advances

78.59

76.74

82.67

79.96

54.34

47.18

81.42

79.23

79.61

76.90

10.

Ratio of investments in non-approved

14.58

19.78

19.13

17.40

21.22

16.13

25.51

30.21

19.72

20.86

securities to total investments

11.

Ratio of interest income to total assets

7.14

7.75

7.49

7.88

7.57

7.65

7.53

8.44

7.42

7.95

12.

Ratio of net interest margin to total assets

2.79

2.49

2.80

2.33

4.36

4.33

2.54

2.69

2.86

2.61

13.

Ratio of non-interest income to total assets

1.26

1.30

0.96

1.10

2.97

3.30

1.87

2.00

1.38

1.52

14.

Ratio of intermediation cost to total assets

2.13

1.87

1.84

1.62

3.27

3.24

2.33

2.40

2.12

1.98

15.

Ratio of wage bills to intermediation cost

65.49

60.58

63.56

61.71

39.78

39.89

34.36

35.10

54.51

51.55

16.

Ratio of wage bills to total expense

21.55

15.89

17.94

13.98

20.07

19.71

10.93

10.34

17.32

13.96

17.

Ratio of wage bills to total income

16.65

12.52

13.87

11.16

12.34

11.82

8.51

8.08

13.16

10.79

18.

Ratio of burden to total assets

0.88

0.57

0.88

0.52

0.30

-0.05

0.46

0.40

0.75

0.46

19.

Ratio of burden to interest income

12.28

7.35

11.74

6.62

3.91

-0.72

6.07

4.78

10.05

5.78

20.

Ratio of operating profits to total assets

1.91

1.92

1.92

1.81

4.06

4.38

2.08

2.28

2.11

2.15

21.

Return on assets

0.86

0.97

0.94

1.01

2.28

2.57

1.02

1.13

1.05

1.16

22.

Return on equity

16.31

17.21

15.97

17.09

15.98

16.05

13.71

13.43

15.51

15.98

23.

Cost of deposits

4.81

5.91

4.96

5.99

3.59

4.26

5.37

6.47

4.93

5.97

24.

Cost of borrowings

3.90

5.72

2.30

2.74

5.34

4.82

3.60

3.55

3.56

4.02

25.

Cost of funds

4.75

5.90

4.80

5.83

4.03

4.40

5.18

6.13

4.82

5.81

26.

Return on advances

8.47

9.55

8.79

9.50

9.78

10.93

9.55

11.01

8.93

9.92

27.

Return on investments

6.81

7.11

7.49

7.52

8.61

8.24

6.50

7.28

7.19

7.43

28.

Return on advances adjusted to cost of funds

3.72

3.65

3.99

3.67

5.74

6.54

4.38

4.87

4.12

4.11

29.

Return on investments adjusted to cost of funds

2.06

1.22

2.68

1.69

4.58

3.84

1.32

1.15

2.37

1.62

Note  $ Includes IDBI Bank Ltd.
Source : Annual accounts of banks of respective years