Table 7: Bank Group-Wise Selected Ratios of Scheduled Commercial Banks: 2001 and 2002 - ആർബിഐ - Reserve Bank of India
Table 7: Bank Group-Wise Selected Ratios of Scheduled Commercial Banks: 2001 and 2002
(in per cent) | |||||||||||||||||||||||||||||||||||||||
As on March 31 | |||||||||||||||||||||||||||||||||||||||
Ratios | State Bank of India and its Associates | Nationalised Banks | Regional Rural Banks | Foreign Banks | Other Scheduled Commercial Banks | All Scheduled Commercial Banks | |||||||||||||||||||||||||||||||||
2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | 2001 | 2002 | ||||||||||||||||||||||||||||
(1) | (2) | (3) | (4) | (5) | (6) | (7) | (8) | (9) | (10) | (11) | (12) | ||||||||||||||||||||||||||||
1 | Cash-deposit ratio | 7.86 | 7.77 | 8.29 | 7.14 | 4.58 | 7.06 | 6.60 | 6.27 | 7.85 | 6.67 | 7.89 | 7.21 | ||||||||||||||||||||||||||
2. | Credit-deposit ratio | 48.18 | 46.88 | 48.28 | 51.17 | 39.30 | 39.76 | 72.64 | 75.39 | 49.80 | 68.71 | 49.45 | 53.19 | ||||||||||||||||||||||||||
3. | Investment-deposit ratio | 50.36 | 52.86 | 43.29 | 43.46 | 22.98 | 21.26 | 60.42 | 54.40 | 45.39 | 58.40 | 45.79 | 47.91 | ||||||||||||||||||||||||||
4. | (Credit + investment)-deposit ratio | 98.55 | 99.74 | 91.58 | 94.63 | 62.28 | 61.03 | 133.06 | 129.79 | 95.19 | 127.12 | 95.24 | 101.10 | ||||||||||||||||||||||||||
5. | Ratio of deposits to total liabilities | 77.47 | 78.10 | 87.30 | 87.46 | 77.21 | 78.41 | 58.13 | 57.55 | 83.65 | 63.30 | 81.33 | 78.33 | ||||||||||||||||||||||||||
6. | Ratio of term deposits to total deposits | 63.36 | 63.49 | 64.61 | 64.54 | 56.62 | 55.58 | 70.39 | 67.52 | 75.98 | 76.08 | 65.71 | 65.65 | ||||||||||||||||||||||||||
7. | Ratio of priority sector advances to total advances | 29.07 | 28.89 | 31.53 | 31.66 | 73.10 | 73.08 | 21.12 | 21.57 | 24.44 | 16.83 | 30.28 | 28.74 | ||||||||||||||||||||||||||
8. | Ratio of term-loans to total advances | 32.86 | 35.31 | 37.23 | 37.28 | 59.22 | 57.00 | 46.10 | 48.75 | 32.48 | 60.55 | 36.73 | 42.24 | ||||||||||||||||||||||||||
9. | Ratio of secured advances to total advances | 88.60 | 87.69 | 88.46 | 87.06 | 93.99 | 94.94 | 61.22 | 65.06 | 85.91 | 91.73 | 86.17 | 86.63 | ||||||||||||||||||||||||||
10. | Ratio of investments in non-approved securities to total investments | 16.14 | 14.78 | 22.89 | 22.88 | 82.94 | 79.03 | 34.23 | 61.33 | 37.09 | 42.71 | 24.40 | 26.80 | ||||||||||||||||||||||||||
11. | Ratio of Interest income to total assets | 9.20 | 9.09 | 9.64 | 9.30 | 10.07 | 9.76 | 10.26 | 9.07 | 9.67 | 7.68 | 9.58 | 9.00 | ||||||||||||||||||||||||||
12. | Ratio of net interest margin to total assets | 3.01 | 2.86 | 3.08 | 2.91 | 3.60 | 3.50 | 4.01 | 3.41 | 2.54 | 1.97 | 3.08 | 2.81 | ||||||||||||||||||||||||||
13. | Ratio of non-interest income to total assets | 1.45 | 1.41 | 1.21 | 1.58 | 0.52 | 0.69 | 2.72 | 3.05 | 1.40 | 1.98 | 1.39 | 1.66 | ||||||||||||||||||||||||||
14. | Ratio of intermediation cost to total assets | 2.90 | 2.23 | 2.93 | 2.54 | 2.54 | 2.74 | 3.37 | 3.17 | 2.04 | 1.80 | 2.83 | 2.39 | ||||||||||||||||||||||||||
15. | Ratio of wage bills to intermediation cost | 72.99 | 71.25 | 76.04 | 72.73 | 86.18 | 86.48 | 31.82 | 33.08 | 42.08 | 41.56 | 68.63 | 65.63 | ||||||||||||||||||||||||||
16. | Ratio of wage bills to total expenses | 23.29 | 18.76 | 23.44 | 20.69 | 24.31 | 26.35 | 11.15 | 11.88 | 9.35 | 9.96 | 20.83 | 18.31 | ||||||||||||||||||||||||||
17. | Ratio of wage bills to total income | 19.89 | 15.10 | 20.50 | 16.99 | 20.66 | 22.68 | 8.26 | 8.66 | 7.75 | 7.75 | 17.71 | 14.73 | ||||||||||||||||||||||||||
18. | Ratio of burden to total assets | 1.45 | 0.81 | 1.71 | 0.96 | 2.02 | 2.05 | 0.65 | 0.12 | 0.64 | -0.18 | 1.44 | 0.73 | ||||||||||||||||||||||||||
19. | Ratio of burden to interest income | 15.80 | 8.96 | 17.77 | 10.37 | 20.03 | 20.98 | 6.31 | 1.37 | 6.60 | -2.34 | 15.03 | 8.12 | ||||||||||||||||||||||||||
20. | Ratio of operating profits to total assets | 1.55 | 2.05 | 1.36 | 1.94 | 1.59 | 1.45 | 3.36 | 3.28 | 1.90 | 2.15 | 1.64 | 2.08 | ||||||||||||||||||||||||||
21. | Return on assets | 0.60 | 0.81 | 0.35 | 0.73 | 1.31 | 1.15 | 1.10 | 1.40 | 0.77 | 0.83 | 0.57 | 0.83 | ||||||||||||||||||||||||||
22. | Return on equity | 13.50 | 18.42 | 6.65 | 13.89 | 19.35 | 16.38 | 11.97 | 15.32 | 13.52 | 14.19 | 10.41 | 15.29 | ||||||||||||||||||||||||||
23. | Cost of deposits | 7.58 | 7.57 | 7.17 | 6.95 | 7.50 | 7.19 | 6.74 | 6.08 | 7.80 | 7.34 | 7.35 | 7.14 | ||||||||||||||||||||||||||
24. | Cost of borrowings | 5.62 | 4.26 | 8.78 | 7.13 | 6.47 | 6.31 | 7.48 | 7.30 | 5.55 | 1.52 | 6.96 | 4.64 | ||||||||||||||||||||||||||
25. | Cost of funds | 7.50 | 7.47 | 7.19 | 6.95 | 7.39 | 7.10 | 6.96 | 6.47 | 7.67 | 6.31 | 7.33 | 6.97 | ||||||||||||||||||||||||||
26. | Return on advances | 10.75 | 9.72 | 11.49 | 10.56 | 12.27 | 12.11 | 13.12 | 11.64 | 11.68 | 8.75 | 11.46 | 10.19 | ||||||||||||||||||||||||||
27. | Return on investments | 10.68 | 10.77 | 11.41 | 11.02 | 19.06 | 18.07 | 11.03 | 10.36 | 11.19 | 9.18 | 11.27 | 10.75 | ||||||||||||||||||||||||||
28. | Return on advances adjusted to cost of funds | 3.25 | 2.25 | 4.30 | 3.61 | 4.88 | 5.01 | 6.16 | 5.17 | 4.01 | 2.44 | 4.13 | 3.22 | ||||||||||||||||||||||||||
29. | Return on investments adjusted to cost of funds | 3.18 | 3.30 | 4.22 | 4.07 | 11.67 | 10.97 | 4.07 | 3.89 | 3.52 | 2.86 | 3.94 | 3.78 | ||||||||||||||||||||||||||
Source: Compiled from annual accounts of banks of respective years. |