(in per cent)

As on March 31

 State Bank of India

 Nationalised Banks

 Foreign Banks

 Other Indian Sche.

 All Scheduled

 & its Associates

Comm. Banks

2003

2004

2003

2004

2003

2004

2003

2004

2003

2004

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

 1.  Cash-deposit ratio

4.89

6.04

6.69

7.32

6.58

9.13

7.9

8.09

6.35

7.19

 2.  Credit-deposit ratio

48.39

50.94

52.32

51.92

75.27

75.87

66.55

63.64

54.53

54.86

 3.  Investment-deposit ratio

57.12

57.24

46.82

47.6

58.86

52.14

51.53

50.2

51.13

50.92

 4.  (Credit+Investment)-deposit ratio

105.51

108.18

99.14

99.52

134.13

128.01

118.08

113.83

105.66

105.78

 5.  Ratio of deposits to total liabilities

79.16

78.81

86.99

86.1

59.56

58.51

70.11

73.12

79.9

79.75

 6.  Ratio of term deposits to total deposits

63.03

60.68

63.75

63.22

66.22

56.93

76.13

70.13

65.56

63.38

 7.  Ratio of priority sector advances to total advances

28.94

30.81

33.74

36.28

21.91

23.23

22.19

26.68

29.52

32.07

 8.  Ratio of term loan to total advances

39.18

45.18

39.33

45.01

47.86

45.02

64.05

65.13

44.5

49.04

 9.  Ratio of secured advances to total advances

87.56

84.64

87.15

86.66

67.43

65.99

91.89

90.25

86.75

85.41

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

13.38

11.47

21.27

19.23

24.11

21.83

30.96

28.09

20.38

18.46

 11. Ratio of interest income to total assets

8.66

7.85

8.86

8

7.85

7.12

8.66

7.71

8.7

7.85

 12. Ratio of net interest margin to total assets

2.9

2.98

3.16

3.29

3.42

3.73

2.05

2.42

2.91

3.08

 13. Ratio of non-interest income to total assets

1.7

2.1

1.77

2

2.69

3.18

2.57

2.3

1.95

2.16

 14. Ratio of intemediation cost to total assets

2.21

2.33

2.47

2.36

2.85

2.97

2.08

2.24

2.35

2.37

 15. Ratio of wage bills to intemediation cost

71.1

68.85

70.74

69.54

31.95

31.97

35.91

34.72

62.15

60.18

 16. Ratio of wage bills to total expense

19.7

22.26

21.37

23.21

12.49

14.95

8.6

10.32

17.96

19.98

 17. Ratio of wage bills to total income

15.18

16.1

16.41

16.41

8.62

9.22

6.66

7.77

13.72

14.25

 18. Ratio of burden to total assets

0.52

0.23

0.69

0.36

0.16

-0.21

-0.49

-0.06

0.4

0.21

 19. Ratio of burden to interest income

5.95

2.92

7.83

4.46

1.99

-3

-5.63

-0.77

4.58

2.63

 20. Ratio of operating profits to total assets

2.38

2.75

2.47

2.93

3.26

3.79

2.54

2.53

2.51

2.87

 21. Return on assets

0.96

1.05

1.04

1.26

1.59

1.88

1.04

1.16

1.08

1.23

 22. Return on equity

20.89

22.09

19.53

23.21

15.21

14.5

16.86

17.81

18.78

20.76

 23. Cost of deposits

7.02

5.83

6.21

5.15

5.31

3.88

6.62

5.26

6.46

5.3

 24. Cost of borrowings

2.08

1.43

5.37

4.4

5.13

4.53

0.96

1.58

2.71

2.72

 25. Cost of funds

6.88

5.69

6.2

5.14

5.26

4.04

5.45

4.72

6.19

5.14

 26. Return on advances

9.04

7.93

9.82

8.72

10.7

8.96

10.93

9.77

9.89

8.74

 27. Return on investments

9.74

8.87

10.18

9.22

8.28

8.26

8.96

7.64

9.73

8.8

 28. Return on advances adjusted to cost of funds

2.16

2.25

3.62

3.58

5.44

4.91

5.48

5.05

3.69

3.59

 29. Return on investments adjusted to cost of funds

2.86

3.19

3.99

4.08

3.02

4.22

3.51

2.92

3.54

3.66

Source : Compiled from annual accounts of banks of respective years