Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000 (Part 1 of 6) - ربی - Reserve Bank of India
Table 56 : Selected Ratios of Scheduled Commercial Banks (excluding RRBs) : 1999 and 2000
(Part 1 of 6)
STATE BANK OF INDIA AND ITS ASSOCIATES |
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(per cent) |
Year ended March 31 |
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State Bank |
State Bank of |
State Bank of |
State Bank of |
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of India |
Bikaner and Jaipur |
Hyderabad |
Indore |
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Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
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|
(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 |
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(per cent) |
Year ended March 31 |
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State Bank of |
State Bank of |
State Bank of |
State Bank of |
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Mysore |
Patiala |
Saurashtra |
Travancore |
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Ratio |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
1999 |
2000 |
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|
(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. |