Table 7: Bank Group-Wise Selected Ratios of Scheduled Commercial Banks: 2000 and 2001 - ಆರ್ಬಿಐ - Reserve Bank of India
Table 7: Bank Group-Wise Selected Ratios of Scheduled Commercial Banks: 2000 and 2001
(in per cent) |
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As on March 31 |
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State Bank of India |
Nationalised |
Regional Rural |
Foreign Banks |
Other Scheduled |
All Scheduled |
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and its Associates |
Banks |
Banks |
Commercial Banks |
Commercial Banks |
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2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
2000 |
2001 |
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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 |
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Source: Compiled from annual accounts of banks of respective years. |