(in per cent)

As on March 31

Ratios

   State Bank
of India

 State Bank of
Bikaner & Jaipur

 State Bank of
Hyderabad

 State Bank
of Indore

2003

2004

2003

2004

2003

2004

2003

2004

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

 1.  Cash-deposit ratio

4.3

5.98

6.64

8.06

8.87

7.5

6.76

5.3

 2.  Credit-deposit ratio

46.52

49.57

51.18

54.96

46.91

48.7

56.23

61.49

 3.  Investment-deposit ratio

58.2

58.28

58.05

53.89

60.77

61.91

55.74

52.11

 4.  (Credit+Investment)-deposit ratio

104.7

107.84

109.23

108.85

107.68

110.61

111.97

113.59

 5.  Ratio of deposits to total liabilities

78.78

78.13

73.36

77.22

78.83

79.15

81.02

79.87

 6.  Ratio of term deposits to total deposits

62.67

59.23

53.07

54.49

66.42

65.61

67.37

65.65

 7.  Ratio of priority sector advances to total advances

25.49

27.04

43.16

43.86

32.54

39.51

43.94

46.32

 8.  Ratio of term loan to total advances

40.82

46.69

29.41

34.46

36.65

45.46

37.83

47.8

 9.  Ratio of secured advances to total advances

86.46

83.15

91.69

90.03

88.65

86.94

93.68

88.48

 10. Ratio of investments in non-approved
securites to total investments

13.98

12.79

8.73

5.44

17.6

9.6

7.58

6.64

 11. Ratio of interest income to total assets

8.59

7.77

8.56

8.22

8.57

7.8

9.21

8.57

 12. Ratio of net interest margin to total assets

2.76

2.85

3.28

3.74

3.1

2.96

3.43

3.71

 13. Ratio of non-interest income to total assets

1.59

1.94

2.02

2.57

1.91

2.49

2.82

2.95

 14. Ratio of intemediation cost to total assets

2.19

2.36

2.68

2.75

1.87

1.88

2.32

2.31

 15. Ratio of wage bills to intemediation cost

71.62

69.74

70.98

68.48

67.95

63.86

66.97

62.92

 16. Ratio of wage bills to total expense

19.58

22.61

23.91

26.06

17.32

17.91

19.16

20.28

 17. Ratio of wage bills to total income

15.45

16.94

17.98

17.46

12.13

11.69

12.9

12.61

 18. Ratio of burden to total assets

0.61

0.42

0.66

0.18

-0.04

-0.61

-0.5

-0.65

 19. Ratio of burden to interest income

7.08

5.36

7.69

2.23

-0.49

-7.81

-5.46

-7.53

 20. Ratio of operating profits to total assets

2.15

2.44

2.62

3.56

3.14

3.57

3.93

4.36

 21. Return on assets

0.86

0.94

1.13

1.49

1.15

1.25

1.76

1.73

 22. Return on equity

19.15

19.67

24.56

29.39

26.8

26.99

40.21

32.94

 23. Cost of deposits

7.12

5.9

6.96

5.81

6.74

5.9

6.84

5.75

 24. Cost of borrowings

2.1

1.42

0.76

1.43

3.76

2.66

1.01

0.17

 25. Cost of funds

6.96

5.74

6.88

5.68

6.7

5.81

6.68

5.56

 26. Return on advances

8.69

7.62

10.29

8.99

10.05

8.93

10.27

8.57

 27. Return on investments

9.61

8.78

10.23

10.22

9.94

8.86

9.79

9.96

 28. Return on advances adjusted to cost of funds

1.73

1.88

3.41

3.32

3.35

3.12

3.6

3

 29. Return on investments adjusted to cost of funds

2.65

3.04

3.36

4.55

3.24

3.05

3.11

4.4

 30. Business per employee (in Rs.lakh)

191

210.56

145.64

169.82

226.2

265.86

220.52

230.77

 31. Profit per employee (in Rs.lakh)

1.47

1.77

1.63

5.52

2.25

2.87

3.06

3.45

 32. Capital adequacy ratio

13.5

13.53

13.08

12.93

14.91

14.29

13.09

12.39

 33. Capital adequacy ratio - Tier I

8.81

8.34

10.52

9.03

9.84

8.42

9.4

8.31

 34. Capital adequacy ratio - Tier II

4.69

5.19

2.56

3.9

5.07

5.87

3.69

4.08

 35. Ratio of net NPA to net advances

4.5

3.48

4.13

1.24

3.25

0.65

2.66

0

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

STATE BANK OF INDIA & ITS ASSOCIATES

(in per cent)

As on March 31

Ratios

 State Bank
of Mysore

 State Bank
of Patiala

 State Bank of
Saurashtra

 State Bank of
Travancore

2003

2004

2003

2004

2003

2004

2003

2004

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

 1.  Cash-deposit ratio

5.16

6.41

6.58

4.84

6.35

6.88

5.2

4.86

 2.  Credit-deposit ratio

58.37

56.9

60.14

58.23

51.36

49.09

57.58

56.45

 3.  Investment-deposit ratio

52.82

49.5

45.45

49.44

52.59

54.77

50.47

54.65

 4.  (Credit+Investment)-deposit ratio

111.19

106.4

105.59

107.7

103.95

103.9

108.06

111.1

 5.  Ratio of deposits to total liabilities

79.51

80.56

83.94

83.55

83.24

83.15

83.68

82.16

 6.  Ratio of term deposits to total deposits

63.55

63.77

61.91

65.59

69.18

69.34

68.74

68.3

 7.  Ratio of priority sector advances to total
advances

36.46

36.52

40.98

39.39

40.81

42.67

33.6

37.22

 8.  Ratio of term loan to total advances

35.29

45.03

39.03

44.26

27.38

31.97

33.53

37.65

 9.  Ratio of secured advances to total advances

95.62

94.74

89.27

87.28

92.89

87.54

87.1

86.67

 10. Ratio of investments in non-approved
securites to total investments

16.23

11.13

9.62

8.32

11.36

6.78

5.37

4.45

 11. Ratio of interest income to total assets

9.56

8.42

9.13

7.84

8.93

8.25

8.92

8.09

 12. Ratio of net interest margin to total assets

3.56

3.62

4.09

3.41

3.16

3.41

2.94

3.18

 13. Ratio of non-interest income to total assets

2.71

2.71

1.79

2.62

2.12

2.7

1.69

2.18

 14. Ratio of intemediation cost to total assets

3.02

2.95

2.05

1.86

2.45

2.29

2.07

2.1

 15. Ratio of wage bills to intemediation cost

75.75

71.68

66.41

62.64

62.4

59.88

73.2

70.01

 16. Ratio of wage bills to total expense

25.38

27.26

19.15

18.56

18.57

19.22

18.84

20.99

 17. Ratio of wage bills to total income

18.65

18.97

12.44

11.16

13.81

12.52

14.29

14.33

 18. Ratio of burden to total assets

0.31

0.23

0.26

-0.75

0.32

-0.41

0.38

-0.08

 19. Ratio of burden to interest income

3.26

2.79

2.81

-9.61

3.64

-5.01

4.28

-1.01

 20. Ratio of operating profits to total assets

3.25

3.39

3.83

4.17

2.83

3.82

2.56

3.26

 21. Return on assets

1.02

1.28

1.51

1.6

0.85

1.38

0.9

1.02

 22. Return on equity

29.63

34.83

25.22

27.39

15.51

25.47

25.66

29.68

 23. Cost of deposits

7.03

5.64

6.03

5.21

6.95

5.73

6.82

5.59

 24. Cost of borrowings

0.6

0.91

3.98

2.26

0.39

0.8

4

0.56

 25. Cost of funds

6.88

5.51

5.99

5.14

6.73

5.49

6.81

5.54

 26. Return on advances

10.38

9.65

10.13

8.33

9.55

8.46

9.51

8.55

 27. Return on investments

10.72

9.37

10.14

8.31

11.01

9.63

10.06

8.8

 28. Return on advances adjusted to cost of funds

3.49

4.14

4.13

3.19

2.82

2.97

2.7

3

 29. Return on investments adjusted to cost of funds

3.83

3.86

4.14

3.16

4.28

4.15

3.25

3.26

 30. Business per employee (in Rs.lakh)

146.49

162.8

246.37

305

167.87

193.2

217.68

271.8

 31. Profit per employee (in Rs.lakh)

1.19

1.82

2.76

4

1.25

2.4

1.51

2.16

 32. Capital adequacy ratio

11.62

11.53

13.57

13.56

13.68

14.53

11.3

11.36

 33. Capital adequacy ratio - Tier I

7.23

7.18

10.39

9.87

11.66

10.99

6.8

6.23

 34. Capital adequacy ratio - Tier II

4.39

4.35

3.18

3.69

2.02

3.54

4.5

5.13

 35. Ratio of net NPA to net advances

5.19

2.96

1.49

0

3.53

0

3.06

1.39

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

NATIONALISED BANKS

(in per cent)

As on March 31

Ratios

 Allahabad Bank

 Andhra Bank

 Bank of Baroda

 Bank of India

2003

2004

2003

2004

2003

2004

2003

2004

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

 1.  Cash-deposit ratio

6.07

6.85

6.14

8.91

5.22

4.19

5.2

5.96

 2.  Credit-deposit ratio

49.26

48.7

54.66

56.17

53.26

48.79

66.15

64.58

 3.  Investment-deposit ratio

48.59

49.4

49.94

44.97

45.47

52.1

37.91

38.26

 4.  (Credit+Investment)-deposit ratio

97.85

98.2

104.6

101.1

98.74

100.9

104.06

102.8

 5.  Ratio of deposits to total liabilities

90.78

90.7

85.35

84.94

86.85

85.73

84.11

83.67

 6.  Ratio of term deposits to total deposits

56.83

58.1

69.47

62.66

66.27

63.61

67.93

66.34

 7.  Ratio of priority sector advances to total advances

42.68

41.9

39.9

37.19

25.96

27.88

26.16

28.26

 8.  Ratio of term loan to total advances

47.3

54.5

40.9

41.54

38.11

41.32

35.82

39

 9.  Ratio of secured advances to total advances

88.66

86

87.89

91.19

87.39

87.93

78.35

81.93

 10. Ratio of investments in non-approved
securites to total investments

19.14

21

13.52

12.55

24.42

24.33

35.47

32.07

 11. Ratio of interest income to total assets

9.73

8.51

9.62

8.62

8.28

7.61

8.1

7.18

 12. Ratio of net interest margin to total assets

3.45

3.46

3.3

3.52

2.86

3.18

2.78

2.73

 13. Ratio of non-interest income to total assets

1.99

2.39

2.65

2.62

1.71

2.13

2.24

2.22

 14. Ratio of intemediation cost to total assets

3.48

3.06

2.64

2.55

2.24

2.24

2.25

2.17

 15. Ratio of wage bills to intemediation cost

55.92

58.3

65.94

62.18

68.46

69.38

68.28

66.94

 16. Ratio of wage bills to total expense

19.91

22

19.41

20.73

20

23.28

20.32

21.93

 17. Ratio of wage bills to total income

16.59

16.4

14.18

14.09

15.34

15.92

14.87

15.45

 18. Ratio of burden to total assets

1.49

0.67

-0.01

-0.08

0.53

0.11

0.01

-0.05

 19. Ratio of burden to interest income

15.33

7.85

-0.08

-0.88

6.34

1.4

0.1

-0.7

 20. Ratio of operating profits to total assets

1.95

2.79

3.31

3.6

2.33

3.08

2.77

2.78

 21. Return on assets

0.59

1.34

1.63

1.72

1.05

1.2

1.16

1.25

 22. Return on equity

15.44

34

40.31

36.1

18.81

20.32

26.65

26.71

 23. Cost of deposits

6.71

5.41

6.89

5.63

5.89

4.83

5.5

4.56

 24. Cost of borrowings

21.58

1.6

6.55

3.46

9.87

6.49

8.83

7.39

 25. Cost of funds

6.74

5.4

6.88

5.54

5.93

4.85

5.68

4.73

 26. Return on advances

10.3

9.49

11.54

10.09

8.89

7.9

8.8

7.48

 27. Return on investments

10.45

9.33

9.67

9.13

10.01

8.6

8.59

8.03

 28. Return on advances adjusted to cost of funds

3.56

4.09

4.66

4.55

2.95

3.05

3.11

2.75

 29. Return on investments adjusted to cost of funds

3.71

3.93

2.79

3.59

4.08

3.75

2.9

3.3

 30. Business per employee (in Rs.lakh)

183

215

226.71

277.4

237.67

253

242.97

266.7

 31. Profit per employee (in Rs.lakh)

0.87

2.46

3.1

3.54

1.92

2

1.97

2.35

 32. Capital adequacy ratio

11.15

12.5

13.62

13.71

12.65

13.91

12.02

13.01

 33. Capital adequacy ratio - Tier I

6.35

6.26

8.19

8.17

8.1

8.47

7.56

7.47

 34. Capital adequacy ratio - Tier II

4.8

6.26

5.43

5.54

4.55

5.44

4.46

5.54

 35. Ratio of net NPA to net advances

7.08

2.37

1.79

0.93

3.72

2.99

5.37

4.5

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

NATIONALISED BANKS

(in per cent)

As on March 31

Ratios

 Bank of
Maharashtra

 Canara
Bank

 Central Bank
of India

 Corporation
Bank

2003

2004

2003

2004

2003

2004

2003

2004

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

 1.  Cash-deposit ratio

8.68

17.16

7.78

7.98

7.21

6.13

5.91

7.31

 2.  Credit-deposit ratio

42.88

44.36

56.14

55.17

45.26

40.79

55.37

59.89

 3.  Investment-deposit ratio

53.22

52.72

42.25

41.45

50.9

56.17

49.11

46.07

 4.  (Credit+Investment)-deposit ratio

96.09

97.08

98.38

96.63

96.17

96.96

104.5

106

 5.  Ratio of deposits to total liabilities

88.98

82.1

87.86

86.74

89.6

88.26

82.69

79.55

 6.  Ratio of term deposits to total deposits

67.58

68.21

65.19

66.22

59.14

56.73

71.47

66.01

 7.  Ratio of priority sector advances to total advances

35.79

35.29

30.07

33.9

41.76

43.52

33.01

35.85

 8.  Ratio of term loan to total advances

47.27

53.72

33.19

40.39

42.23

47.6

43.04

48.7

 9.  Ratio of secured advances to total advances

75.16

65.97

85.88

86.11

90.34

96.26

85.52

86.96

 10. Ratio of investments in non-approved
securites to total investments

11.74

11.43

20.64

18.95

23.17

18.89

20.02

17.16

 11. Ratio of interest income to total assets

8.97

7.71

8.63

7.72

9.25

8.41

8.43

7.94

 12. Ratio of net interest margin to total assets

2.92

2.7

2.89

2.95

3.46

3.52

3.18

3.48

 13. Ratio of non-interest income to total assets

1.55

1.63

1.96

2.28

1.01

1.6

2.13

1.86

 14. Ratio of intemediation cost to total assets

2.23

1.96

2.27

2.09

2.78

2.59

1.89

2.07

 15. Ratio of wage bills to intemediation cost

68.66

66.24

66.5

67.13

77.71

75.98

54.29

49.58

 16. Ratio of wage bills to total expense

18.44

18.64

18.83

20.47

25.23

26.3

14.36

15.71

 17. Ratio of wage bills to total income

14.51

13.91

14.23

14.02

21.09

19.63

9.71

10.46

 18. Ratio of burden to total assets

0.67

0.33

0.31

-0.19

1.77

0.99

-0.24

0.21

 19. Ratio of burden to interest income

7.48

4.32

3.54

-2.52

19.19

11.72

-2.87

2.58

 20. Ratio of operating profits to total assets

2.24

2.37

2.59

3.15

1.68

2.54

3.42

3.27

 21. Return on assets

0.89

0.95

1.24

1.34

0.85

0.98

1.88

1.96

 22. Return on equity

26.46

25.21

26.74

28.47

13.82

22.9

18.84

19.62

 23. Cost of deposits

6.46

5.58

6.21

5.2

6.15

5.2

6.25

5.3

 24. Cost of borrowings

2.13

0.72

1.07

3.16

1.84

3.81

1.44

2.11

 25. Cost of funds

6.39

5.5

6.14

5.19

6.14

5.2

6

5.18

 26. Return on advances

9.98

8.06

9.76

8.67

10.36

9.52

8.86

7.64

 27. Return on investments

10.48

9.83

9.88

9.04

10.77

9.25

10.31

10.24

 28. Return on advances adjusted to cost of funds

3.59

2.56

3.61

3.47

4.22

4.32

2.86

2.46

 29. Return on investments adjusted to cost of funds

4.09

4.33

3.74

3.85

4.64

4.06

4.31

5.06

 30. Business per employee (in Rs.lakh)

222

268.7

250.1

297.6

167.9

181.51

328.6

365.6

 31. Profit per employee (in Rs.lakh)

1.58

2.16

2.26

2.97

0.77

1.58

4.06

4.98

 32. Capital adequacy ratio

11.76

11.88

12.5

12.66

10.51

12.43

18.5

20.12

 33. Capital adequacy ratio - Tier I

5.88

7.03

7.85

7.81

5.66

6.23

17.3

16.52

 34. Capital adequacy ratio - Tier II

5.88

4.85

4.65

4.85

4.85

6.2

1.2

3.6

 35. Ratio of net NPA to net advances

4.82

2.46

3.59

2.89

6.74

5.57

1.65

1.8

Source : Compiled from annual accounts of banks of respective years

TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2003 AND  2004

NATIONALISED BANKS

(per cent)

As on March 31

Ratios

 Dena Bank

 Indian Bank

 Indian Overseas
Bank

 Oriental Bank of
Commerce

2003

2004

2003

2004

2003

2004

2003

2004

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

 1.  Cash-deposit ratio

6.76

6.72

7.05

9.34

7.32

10.44

6.36

7.38

 2.  Credit-deposit ratio

51.15

51.29

45.44

46.4

47.54

48.92

52.59

55.17

 3.  Investment-deposit ratio

51.54

53.06

54.93

54.84

50.69

48.63

49.58

47.08

 4.  (Credit+Investment)-deposit ratio

102.7

104.4

100.4

101.2

98.23

97.55

102.18

102.25

 5.  Ratio of deposits to total liabilities

81.79

82.8

76.37

77.76

89.17

87.66

87.71

86.99

 6.  Ratio of term deposits to total deposits

60.26

58.46

67.78

66.47

67.85

65.63

71.46

71.44

 7.  Ratio of priority sector advances to total advances

37.54

40.54

33

38.2

33.52

39.13

38.45

38.05

 8.  Ratio of term loan to total advances

43.98

53.4

33.36

41.98

34.99

43.21

44.86

54.25

 9.  Ratio of secured advances to total advances

92.5

92.59

87.47

87.26

91.24

91.7

89.41

83.87

 10. Ratio of investments in non-approved
securites to total investments

25.95

18.87

12.88

13.69

14.46

14.56

28.07

23.13

 11. Ratio of interest income to total assets

9.09

8.2

7.71

7.16

9.1

8.49

9.95

8.8

 12. Ratio of net interest margin to total assets

2.91

2.8

2.5

3

3.19

3.62

3.64

3.88

 13. Ratio of non-interest income to total assets

2.24

2.92

1.6

2.01

1.36

1.67

1.63

1.92

 14. Ratio of intemediation cost to total assets

2.62

2.36

2.3

2.85

2.47

2.29

1.76

1.72

 15. Ratio of wage bills to intemediation cost

71.59

67.88

76.29

81.24

75.97

74.23

59.66

56.85

 16. Ratio of wage bills to total expense

21.34

20.63

23.35

33.03

22.41

23.77

13.01

14.72

 17. Ratio of wage bills to total income

16.57

14.4

18.84

25.27

17.96

16.76

9.06

9.11

 18. Ratio of burden to total assets

0.38

-0.56

0.7

0.84

1.12

0.62

0.13

-0.21

 19. Ratio of burden to interest income

4.19

-6.82

9.09

11.8

12.26

7.3

1.27

-2.34

 20. Ratio of operating profits to total assets

2.53

3.23

1.8

2.15

2.07

3

3.51

4.09

 21. Return on assets

0.57

1.11

0.65

1.21

1.01

1.08

1.3

1.7

 22. Return on equity

11.56

19.89

4.05

7.61

32.1

28.96

24.51

28.67

 23. Cost of deposits

7.06

6.15

6.51

5.24

6.34

5.26

6.97