2.8 : Bank Group-Wise Selected Ratios Of Scheduled Commercial Banks: 2003 And 2004 - आरबीआय - Reserve Bank of India
2.8 : Bank Group-Wise Selected Ratios Of Scheduled Commercial Banks: 2003 And 2004
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(in per cent) |
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As on March 31 |
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State Bank of India |
Nationalised Banks |
Foreign Banks |
Other Indian Sche. |
All Scheduled |
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& its Associates |
Comm. Banks |
Commercial Banks
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2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
2003 |
2004 |
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|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
(10) |
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1. Cash-deposit ratio |
4.89 |
6.04 |
6.69 |
7.32 |
6.58 |
9.13 |
7.9 |
8.09 |
6.35 |
7.19 |
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2. Credit-deposit ratio |
48.39 |
50.94 |
52.32 |
51.92 |
75.27 |
75.87 |
66.55 |
63.64 |
54.53 |
54.86 |
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3. Investment-deposit ratio |
57.12 |
57.24 |
46.82 |
47.6 |
58.86 |
52.14 |
51.53 |
50.2 |
51.13 |
50.92 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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21. Return on assets |
0.96 |
1.05 |
1.04 |
1.26 |
1.59 |
1.88 |
1.04 |
1.16 |
1.08 |
1.23 |
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22. Return on equity |
20.89 |
22.09 |
19.53 |
23.21 |
15.21 |
14.5 |
16.86 |
17.81 |
18.78 |
20.76 |
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23. Cost of deposits |
7.02 |
5.83 |
6.21 |
5.15 |
5.31 |
3.88 |
6.62 |
5.26 |
6.46 |
5.3 |
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24. Cost of borrowings |
2.08 |
1.43 |
5.37 |
4.4 |
5.13 |
4.53 |
0.96 |
1.58 |
2.71 |
2.72 |
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25. Cost of funds |
6.88 |
5.69 |
6.2 |
5.14 |
5.26 |
4.04 |
5.45 |
4.72 |
6.19 |
5.14 |
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26. Return on advances |
9.04 |
7.93 |
9.82 |
8.72 |
10.7 |
8.96 |
10.93 |
9.77 |
9.89 |
8.74 |
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27. Return on investments |
9.74 |
8.87 |
10.18 |
9.22 |
8.28 |
8.26 |
8.96 |
7.64 |
9.73 |
8.8 |
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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 |
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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 |
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Source : Compiled from annual accounts of banks of respective years |