STATE BANK OF INDIA AND ITS ASSOCIATES

(per cent)

Year ended March 31

State Bank

State Bank of

State Bank of

State Bank of

of India

Bikaner and Jaipur

Hyderabad

Indore

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1.

Cash-deposit ratio

10.29

9.60

16.31

13.76

10.91

10.96

13.33

11.30

2.

Credit-deposit ratio

48.72

49.84

49.62

48.50

50.23

48.60

52.64

55.76

3.

Investment-deposit ratio

42.17

46.68

49.11

53.40

55.68

55.96

46.71

47.11

4.

(Credit + investment)-deposit ratio

90.89

96.52

98.73

101.90

105.92

104.56

99.35

102.86

5.

Ratio of deposits to total liabilities

75.97

75.26

75.68

72.77

80.50

80.78

81.21

81.17

6.

Ratio of term deposits to total deposits

61.54

60.53

56.31

58.35

60.16

62.11

56.26

59.10

7.

Ratio of priority sector advances to total advances

28.04

26.38

42.40

41.50

35.29

35.63

43.39

40.47

8.

Ratio of term-loans to total advances

34.76

34.54

23.79

24.58

23.98

25.12

31.70

31.44

9.

Ratio of secured advances to total advances

93.85

93.94

96.26

96.20

96.50

98.21

96.71

97.04

10.

Ratio of investments in non-approved securities to total investments

18.33

19.48

13.31

10.57

16.43

14.57

12.13

12.91

11.

Ratio of Interest income to total assets

9.50

9.17

10.28

9.83

10.30

10.33

10.93

9.97

12.

Ratio of net interest margin to total assets

3.02

2.86

3.52

3.29

3.91

3.62

4.30

3.34

13.

Ratio of non-interest income to total assets

1.63

1.47

1.74

1.94

1.60

1.86

1.96

2.39

14.

Ratio of intermediation cost to total assets

2.93

2.60

3.54

3.24

3.21

2.61

3.73

3.43

15.

Ratio of wage bills to intermediation cost

70.34

71.13

75.66

72.24

73.16

66.87

70.57

69.24

16.

Ratio of wage bills to total expenses

21.90

20.76

26.01

23.92

24.48

18.75

25.38

23.62

17.

Ratio of wage bills to total income

18.52

17.38

22.27

19.87

19.76

14.34

20.40

19.22

18.

Ratio of burden to total assets

1.30

1.13

1.79

1.30

1.61

0.76

1.77

1.04

19.

Ratio of burden to interest income

13.67

12.28

17.45

13.21

15.68

7.33

16.15

10.42

20.

Ratio of operating profits to total assets

1.72

1.74

1.73

2.10

2.29

2.87

2.53

2.30

21.

Return on assets

0.46

0.75

0.98

1.06

0.85

0.82

0.63

0.85

22.

Return on equity

10.27

18.20

24.07

25.55

25.19

22.94

17.17

21.16

23.

Cost of deposits

8.13

7.87

8.37

8.23

7.49

7.93

7.83

7.67

24.

Cost of borrowings

5.53

6.07

5.67

11.89

12.42

14.47

1.35

3.10

25.

Cost of funds

7.99

7.78

8.33

8.27

7.56

8.01

7.75

7.56

26.

Return on advances

10.96

10.59

12.27

11.69

12.49

11.90

13.01

11.54

27.

Return on investments

12.01

11.65

12.69

12.08

11.42

11.57

11.53

11.30

28.

Return on advances adjusted to cost of funds

2.97

2.80

3.95

3.42

4.93

3.88

5.26

3.99

29.

Return on investments adjusted to cost of funds

4.03

3.87

4.36

3.81

3.86

3.56

3.78

3.75

30.

Business per employee (in Rs. lakh)

93.64

111.20

74.17

86.47

109.00

126.00

80.52

142.82

31.

Profit per employee (in Rs. lakh)

0.43

0.87

1.14

1.69

0.76

0.87

1.67

1.07

32.

Capital adequacy ratio

12.51

11.49

12.26

12.35

10.65

10.86

12.35

12.10

33.

Capital adequacy ratio - Tier I

9.36

8.28

10.45

11.09

8.59

9.27

8.70

8.86

34.

Capital adequacy ratio - Tier II

3.15

3.21

1.81

1.26

2.06

1.59

3.65

3.24

35.

Ratio of net NPA to net advances

7.18

6.41

10.45

10.14

8.78

7.30

10.10

6.95

(per cent)

Year ended March 31

State Bank of

State Bank of

State Bank of

State Bank of

Mysore

Patiala

Saurashtra

Travancore

Ratio

1999

2000

1999

2000

1999

2000

1999

2000

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1.

Cash-deposit ratio

12.83

10.57

12.54

10.85

12.02

12.86

7.29

5.56

2.

Credit-deposit ratio

53.56

52.70

54.41

56.72

56.93

55.43

49.15

50.39

3.

Investment-deposit ratio

40.95

45.63

40.57

44.43

42.59

44.52

50.68

47.84

4.

(Credit + investment)-deposit ratio

94.51

98.33

94.98

101.15

99.52

99.95

99.83

98.23

5.

Ratio of deposits to total liabilities

81.07

80.05

81.52

82.70

74.96

76.62

79.26

81.89

6.

Ratio of term deposits to total deposits

63.22

64.57

53.96

54.15

64.41

66.72

66.18

66.86

7.

Ratio of priority sector advances to total advances

37.50

39.09

38.59

36.92

43.36

43.14

33.13

33.23

8.

Ratio of term-loans to total advances

24.84

26.10

24.29

28.66

21.74

21.81

21.83

25.80

9.

Ratio of secured advances to total advances

97.41

94.75

94.50

91.77

98.65

98.77

93.58

91.40

10.

Ratio of investments in non-approved securities to total investments

19.51

19.90

14.54

14.68

25.88

22.14

6.87

9.23

11.

Ratio of Interest income to total assets

10.94

10.55

9.94

10.11

10.36

10.02

10.17

9.93

12.

Ratio of net interest margin to total assets

3.86

3.71

3.74

4.11

3.85

3.47

2.38

2.41

13.

Ratio of non-interest income to total assets

1.88

2.17

1.29

1.42

1.58

1.64

1.52

1.67

14.

Ratio of intermediation cost to total assets

3.86

3.73

2.55

2.50

3.31

2.78

2.40

2.52

15.

Ratio of wage bills to intermediation cost

76.43

78.96

72.90

72.99

75.20

74.00

72.07

75.23

16.

Ratio of wage bills to total expenses

26.96

27.84

21.26

21.46

25.32

22.02

16.96

18.90

17.

Ratio of wage bills to total income

22.99

23.14

16.56

15.82

20.83

17.61

14.79

16.36

18.

Ratio of burden to total assets

1.97

1.56

1.26

1.08

1.73

1.14

0.88

0.85

19.

Ratio of burden to interest income

18.03

14.80

12.70

10.65

16.71

11.33

8.61

8.60

20.

Ratio of operating profits to total assets

1.89

2.15

2.48

3.03

2.11

2.33

1.50

1.56

21.

Return on assets

0.49

0.58

0.99

1.13

0.38

1.14

0.40

0.53

22.

Return on equity

14.59

18.41

16.53

18.17

6.32

18.94

11.81

16.31

23.

Cost of deposits

8.18

8.00

7.47

7.16

8.31

8.40

8.99

8.74

24.

Cost of borrowings

4.26

2.79

7.20

5.58

0.33

0.68

38.92

40.60

25.

Cost of funds

8.03

7.68

7.47

7.14

7.93

8.05

9.16

8.91

26.

Return on advances

14.42

13.67

12.10

11.53

12.28

12.22

11.52

10.97

27.

Return on investments

12.37

11.99

12.01

11.59

14.01

12.66

12.24

12.10

28.

Return on advances adjusted to cost of funds

6.39

5.99

4.62

4.39

4.35

4.17

2.37

2.07

29.

Return on investments adjusted to cost of funds

4.34

4.31

4.54

4.45

6.07

4.61

3.08

3.20

30.

Business per employee (in Rs. lakh)

70.75

81.61

106.67

123.62

82.10

98.28

99.97

121.65

31.

Profit per employee (in Rs. lakh)

1.05

1.42

0.77

0.99

0.31

1.09

0.35

0.54

32.

Capital adequacy ratio

10.23

11.50

12.47

12.60

14.35

14.48

10.27

11.09

33.

Capital adequacy ratio - Tier I

7.49

7.38

10.54

10.83

13.65

14.13

7.75

7.54

34.

Capital adequacy ratio - Tier II

2.74

4.12

1.93

1.77

0.70

0.35

2.52

3.55

35.

Ratio of net NPA to net advances

10.55

8.12

8.23

6.09

7.70

7.87

10.80

8.58

Source : Compiled from annual accounts of banks of respective years.