(in per cent)

1.

Cash-Deposit ratio

5.63

5.52

5.59

4.60

5.60

4.86

5.30

4.47

2.

Credit-Deposit ratio

81.99

85.22

75.77

74.95

77.51

77.85

72.83

72.20

3.

Investment-Deposit ratio

29.70

29.23

30.30

31.16

30.13

30.62

34.61

35.97

4.

(Credit+Investment)-Deposit ratio

111.69

114.44

106.07

106.12

107.65

108.46

107.45

108.17

5.

Ratio of deposits to total liabilities

79.32

78.35

84.27

84.29

82.82

82.53

84.26

84.07

6.

Ratio of demand & savings bank deposits to total deposits

40.80

40.76

28.50

28.55

31.96

31.99

26.46

25.73

7.

Ratio of priority sector advances to total advances

30.02

27.26

28.32

28.33

28.82

28.00

31.64

31.81

8.

Ratio of term loan to total advances

49.25

48.34

53.98

53.27

52.58

51.75

46.39

43.75

9.

Ratio of secured advances total advances

82.80

84.37

82.54

87.58

82.62

86.59

88.83

91.00

10.

Ratio of investments in non-approved securities to total investments

16.26

20.39

17.05

18.69

16.83

19.15

28.14

27.72

11.

Ratio of interest income to total assets

8.52

8.54

8.57

8.54

8.55

8.54

9.54

9.74

12.

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

3.25

2.98

2.55

2.39

2.76

2.57

2.95

2.94

13.

Ratio of non-interest income to total assets

1.06

1.03

0.82

0.81

0.89

0.87

0.99

1.01

14.

Ratio of intermediation cost of total assets

1.94

1.93

1.44

1.41

1.59

1.57

1.91

1.89

15.

Ratio of wage bills to intermediation cost

64.74

62.73

63.13

63.14

63.71

62.99

57.73

56.43

16.

Ratio of wage bills to total expense

17.43

16.20

12.21

11.81

13.72

13.09

13.00

12.28

17.

Ratio of wage bills to total income

13.13

12.68

9.71

9.54

10.74

10.48

10.50

9.92

18.

Ratio of burden to total assets

0.88

0.90

0.63

0.60

0.70

0.69

0.92

0.88

19.

Ratio of burden to interest income

10.38

10.59

7.30

7.08

8.21

8.12

9.65

9.02

20.

Ratio of operating profits to total assets

2.36

2.08

1.92

1.79

2.05

1.88

2.03

2.07

21.

Return on assets

0.89

0.88

0.88

0.74

0.88

0.78

1.20

1.26

22.

Return on equity

16.00

15.29

15.05

12.34

15.33

13.24

15.22

16.22

23.

Cost of deposits

5.97

6.37

6.51

6.74

6.36

6.63

7.25

7.46

24.

Cost of borrowings

6.44

5.69

7.46

6.40

7.10

6.15

9.73

9.45

25.

Cost of funds

5.66

5.96

6.22

6.39

6.06

6.27

7.10

7.27

26.

Return on advances

10.27

9.90

10.32

10.16

10.31

10.08

11.98

12.15

27.

Return on investments

7.80

8.08

7.43

7.42

7.54

7.60

7.38

7.49

28.

Return on advances adjusted to cost of funds

4.62

3.93

4.10

3.76

4.25

3.81

4.88

4.88

29.

Return on investments adjusted to cost of funds

2.15

2.11

1.21

1.02

1.48

1.33

0.28

0.22

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

TABLE 2.6 : BANK GROUP-WISE SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2012 AND 2013 (Concld.)

(in per cent)

1.

Cash-Deposit ratio

6.27

5.64

6.01

5.33

8.37

7.45

5.79

5.05

2.

Credit-Deposit ratio

85.75

85.46

82.28

81.90

82.99

91.56

78.62

79.14

3.

Investment-Deposit ratio

48.52

48.11

44.78

44.86

72.45

79.19

34.62

35.17

4.

(Credit+Investment)-Deposit ratio

134.27

133.56

127.06

126.76

155.44

170.74

113.23

114.31

5.

Ratio of deposits to total liabilities

65.14

66.14

69.38

70.15

47.08

46.33

77.56

77.61

6.

Ratio of demand & savings bank deposits to total deposits

41.37

41.19

37.36

37.05

44.03

40.58

33.46

33.28

7.

Ratio of priority sector advances to total advances

28.28

25.88

29.08

27.28

31.55

29.20

28.99

27.91

8.

Ratio of term loan to total advances

72.83

70.55

66.54

64.22

40.47

39.06

54.69

53.61

9.

Ratio of secured advances total advances

82.39

81.86

83.92

84.02

49.04

47.33

81.34

84.33

10.

Ratio of investments in non-approved securities to total investments

35.61

36.70

34.06

34.77

31.39

26.56

22.20

23.54

11.

Ratio of interest income to total assets

8.47

8.84

8.71

9.04

6.67

6.98

8.45

8.53

12.

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

3.13

3.30

3.09

3.22

3.89

3.89

2.90

2.79

13.

Ratio of non-interest income to total assets

1.80

1.79

1.62

1.62

2.02

1.85

1.11

1.09

14.

Ratio of intermediation cost of total assets

2.28

2.29

2.20

2.20

2.47

2.36

1.77

1.75

15.

Ratio of wage bills to intermediation cost

39.95

38.99

43.37

42.33

43.22

42.11

56.69

55.74

16.

Ratio of wage bills to total expense

11.97

11.40

12.22

11.61

20.35

18.22

13.73

13.02

17.

Ratio of wage bills to total income

8.88

8.39

9.25

8.73

12.29

11.25

10.52

10.13

18.

Ratio of burden to total assets

0.48

0.50

0.58

0.58

0.45

0.51

0.66

0.66

19.

Ratio of burden to interest income

5.72

5.60

6.68

6.42

6.78

7.28

7.82

7.70

20.

Ratio of operating profits to total assets

2.65

2.81

2.51

2.64

3.44

3.38

2.24

2.13

21.

Return on assets

1.63

1.74

1.53

1.63

1.76

1.94

1.08

1.03

22.

Return on equity

15.27

16.51

15.26

16.46

10.79

11.52

14.60

13.84

23.

Cost of deposits

6.14

6.45

6.43

6.72

4.34

4.67

6.28

6.57

24.

Cost of borrowings

7.38

7.24

7.54

7.42

3.52

4.06

6.73

6.22

25.

Cost of funds

5.45

5.77

5.84

6.12

3.86

4.05

5.90

6.12

26.

Return on advances

10.77

11.33

11.06

11.52

9.61

9.55

10.42

10.33

27.

Return on investments

7.23

7.22

7.27

7.28

8.02

8.13

7.52

7.57

28.

Return on advances adjusted to cost of funds

5.32

5.57

5.22

5.41

5.74

5.50

4.52

4.21

29.

Return on investments adjusted to cost of funds

1.78

1.45

1.43

1.16

4.16

4.08

1.62

1.45

Source : Annual accounts of banks.