Table 7: Bank Group-Wise Selected Ratios of Scheduled Commercial Banks: 2001 and 2002 - ఆర్బిఐ - Reserve Bank of India
Table 7: Bank Group-Wise Selected Ratios of Scheduled Commercial Banks: 2001 and 2002
(in per cent) |
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As on March 31 |
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Ratios |
State Bank of India and its Associates |
Nationalised Banks |
Regional Rural Banks |
Foreign Banks |
Other Scheduled Commercial Banks |
All Scheduled Commercial Banks |
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2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
2001 |
2002 |
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(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
(10) |
(11) |
(12) |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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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 |
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Source: Compiled from annual accounts of banks of respective years. |