(Per cent)

As on March 31

State Bank of India & its Associates

Nationalised Banks $

Public Sector Banks

Old Private Sector Banks

2009

2010

2009

2010

2009

2010

2009

2010

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1.  Cash-Deposit ratio

7.36

7.41

7.13

7.31

7.20

7.34

6.65

7.36

2.  Credit-Deposit ratio

73.43

77.45

72.17

71.34

72.58

73.17

64.49

67.05

3.  Investment-Deposit ratio

35.51

34.08

31.11

32.05

32.53

32.66

36.33

36.32

4.  (Credit+Investment)-Deposit ratio

108.94

111.53

103.28

103.39

105.11

105.83

100.81

103.37

5.  Ratio of deposits to total liabilities

78.67

78.45

84.71

85.31

82.66

83.13

85.79

85.47

6.  Ratio of demand & savings bank deposits to total deposits

38.55

42.73

29.85

30.28

32.66

34.02

26.18

28.34

7.  Ratio of priority sector advances to total advances

28.70

29.45

30.87

31.56

30.16

30.89

35.47

35.42

8.  Ratio of term loan to total advances

52.17

52.17

55.95

56.33

54.71

55.01

50.26

50.00

9.  Ratio of secured advances to total advances

80.73

80.53

80.74

79.49

80.73

79.82

88.15

87.21

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

15.41

17.65

16.49

16.19

16.11

16.65

25.67

26.82

11. Ratio of interest income to total assets

7.79

7.28

8.18

7.56

8.05

7.47

8.80

8.21

12. Ratio of net interest income to total assets (Net Interest Margin)

2.39

2.36

2.32

2.28

2.35

2.30

2.79

2.59

13. Ratio of non-interest income to total assets

1.40

1.37

1.17

1.09

1.25

1.18

1.30

1.23

14. Ratio of intermediation cost to total assets

1.75

1.87

1.58

1.48

1.64

1.61

1.85

1.88

15. Ratio of wage bills to intermediation cost

61.39

61.78

62.78

62.42

62.27

62.18

56.48

58.05

16. Ratio of wage bills to total expense

15.06

17.03

13.31

13.65

13.88

14.76

13.26

14.57

17. Ratio of wage bills to total income

11.71

13.38

10.57

10.68

10.95

11.56

10.31

11.57

18. Ratio of burden to total assets

0.35

0.51

0.40

0.39

0.38

0.43

0.54

0.65

19. Ratio of burden to interest income

4.50

6.95

4.91

5.18

4.77

5.74

6.16

7.93

20. Ratio of operating profits to total assets

2.04

1.85

1.92

1.89

1.96

1.88

2.25

1.94

21. Return on assets

1.02

0.91

1.03

1.00

1.02

0.97

1.15

0.95

22. Return on equity

17.74

15.92

18.05

18.30

17.94

17.47

14.69

12.29

23. Cost of deposits

6.17

5.75

6.31

5.64

6.26

5.68

6.73

6.27

24. Cost of borrowings

3.47

1.28

2.76

1.42

3.04

1.37

4.44

1.94

25. Cost of funds

5.94

5.32

6.09

5.35

6.04

5.34

6.67

6.13

26. Return on advances

9.89

8.92

10.17

9.18

10.08

9.10

11.82

10.95

 27. Return on investments

6.77

6.41

7.05

6.88

6.95

6.72

6.57

6.18

 28. Return on advances adjusted to cost of funds

3.95

3.60

4.09

3.83

4.04

3.76

5.15

4.81

 29. Return on investments adjusted to cost of funds

0.83

1.09

0.96

1.52

0.91

1.38

-0.10

0.05

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

TABLE 2.6 : BANK GROUP-WISE SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS - 2009 AND 2010 (Concld.)

(Per cent)

Ratio

As on March 31

New Private Sector Banks

Private Sector Banks

Foreign Banks

All Scheduled Commercial Banks

2009

2010

2009

2010

2009

2010

2009

2010

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

 1.  Cash-Deposit ratio

8.24

9.94

7.81

9.22

7.31

8.03

7.32

7.70

 2.  Credit-Deposit ratio

83.19

80.68

78.13

76.87

77.25

68.64

73.83

73.58

 3.  Investment-Deposit ratio

43.59

45.64

41.63

43.04

60.89

66.97

35.68

36.17

 4.  (Credit + Investment)-Deposit ratio

126.78

126.32

119.76

119.91

138.15

135.61

109.51

109.76

 5.  Ratio of deposits to total liabilities

67.52

67.24

71.65

71.50

48.09

54.90

77.56

78.88

 6.  Ratio of demand & savings bank deposits to total deposits

35.17

43.12

32.74

38.99

41.73

43.86

33.15

35.37

 7.  Ratio of priority sector advances to total advances

29.40

30.76

30.76

31.89

30.62

33.93

30.30

31.21

 8.  Ratio of term loan to total advances

77.20

77.19

71.19

70.56

48.14

46.57

57.51

57.43

 9.  Ratio of secured advances to total advances

76.23

75.94

78.89

78.68

48.20

50.72

78.59

78.25

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

29.80

33.40

28.83

31.85

23.27

26.24

19.44

20.67

 11. Ratio of interest income to total assets

8.60

7.43

8.65

7.61

7.49

6.01

8.12

7.38

 12. Ratio of net interest income to total assets (Net Interest Margin)

2.88

3.00

2.86

2.91

4.33

3.97

2.62

2.55

 13. Ratio of non-interest income to total assets

1.96

2.04

1.82

1.85

3.68

2.27

1.57

1.39

 14. Ratio of intermediation cost to total assets

2.32

2.14

2.21

2.08

3.04

2.53

1.87

1.77

 15. Ratio of wage bills to intermediation cost

35.32

37.25

39.15

41.57

39.71

42.38

53.55

55.29

 16. Ratio of wage bills to total expense

10.17

12.14

10.83

12.76

19.44

23.48

13.60

14.83

 17. Ratio of wage bills to total income

7.74

8.42

8.28

9.15

10.80

12.95

10.35

11.16

 18. Ratio of burden to total assets

0.36

0.10

0.40

0.23

-0.64

0.26

0.30

0.38

 19. Ratio of burden to interest income

4.17

1.39

4.61

3.01

-8.56

4.36

3.70

5.11

 20. Ratio of operating profits to total assets

2.52

2.90

2.46

2.68

4.97

3.71

2.32

2.17

 21. Return on assets

1.12

1.38

1.13

1.28

1.99

1.26

1.13

1.05

 22. Return on equity

10.69

11.87

11.38

11.94

13.75

7.35

15.44

14.31

 23. Cost of deposits

6.56

5.01

6.60

5.36

4.58

3.20

6.24

5.49

 24. Cost of borrowings

3.52

1.96

3.56

1.95

4.07

1.58

3.37

1.57

 25. Cost of funds

6.04

4.42

6.18

4.83

4.46

2.82

5.96

5.09

 26. Return on advances

11.29

9.56

11.41

9.89

12.61

9.99

10.50

9.29

 27. Return on investments

7.03

6.28

6.93

6.25

7.63

6.39

7.01

6.59

 28. Return on advances adjusted to cost of funds

5.26

5.14

5.23

5.06

8.15

7.17

4.53

4.20

 29. Return on investments adjusted to cost of funds

1.00

1.86

0.75

1.43

3.17

3.57

1.04

1.50

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