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Learn more about the various functions within The Reserve Bank of India
Back
(In per cent)
Ratios
As on March 31
State Bank of India
State Bank of Bikaner& Jaipur
State Bank of Hyderabad
State Bank of Indore
2006
2007
(1)
(2)
(3)
(4)
(5)
(6)
(7)
(8)
1.
Cash-deposit ratio
5.70
6.68
7.52
12.83
6.69
6.92
6.88
6.71
2.
Credit-deposit ratio
68.89
77.46
73.27
72.07
61.32
67.73
71.28
76.85
3.
Investment-deposit ratio
42.77
34.25
36.57
30.49
41.90
33.54
30.68
30.00
4.
(Credit+Investment)-deposit ratio
111.65
111.70
109.84
102.56
103.22
101.27
101.96
106.84
5.
Ratio of deposits to total liabilities
76.93
76.87
78.85
82.53
83.74
84.61
80.44
81.45
6.
Ratio of term deposits to total deposits
52.45
51.52
57.94
64.99
65.66
68.62
69.17
70.82
7.
Ratio of priority sector advances to total advances
30.56
30.24
41.30
41.03
41.68
38.99
42.85
37.46
8.
Ratio of term loan to total advances
53.89
53.68
48.08
54.05
58.14
59.86
55.69
59.03
9.
Ratio of secured advances to total advances
76.76
75.61
88.23
86.01
80.12
79.70
88.61
89.04
10.
Ratio of investments in non-approved securities
14.98
18.84
4.39
3.21
5.54
4.47
8.53
5.79
to total investments
11.
Ratio of interest income to total assets
7.54
7.45
7.72
8.08
7.28
7.78
7.03
7.55
12.
Ratio of net interest margin to total assets
3.27
3.03
3.90
3.45
2.90
3.02
2.88
2.58
13.
Ratio of non-interest income to total assets
1.56
1.09
0.97
1.17
1.22
1.02
1.30
0.95
14.
Ratio of intermediation cost to total assets
2.46
2.23
2.98
2.43
2.16
1.80
2.11
1.81
15.
Ratio of wage bills to intermediation cost
69.28
67.09
65.03
63.33
65.10
60.84
53.94
54.59
16.
Ratio of wage bills to total expense
25.29
22.50
28.52
21.79
21.51
16.71
18.18
14.59
17.
Ratio of wage bills to total income
18.71
17.53
22.32
16.63
16.56
12.46
13.67
11.64
18.
Ratio of burden to total assets
0.90
1.14
2.01
1.26
0.78
0.81
0.86
19.
Ratio of burden to interest income
11.92
15.33
26.04
15.56
12.99
10.06
11.51
11.38
20.
Ratio of operating profits to total assets
2.37
1.89
2.19
1.95
2.24
2.07
1.72
21.
Return on assets
0.89
0.84
0.53
1.13
0.76
0.87
22.
Return on equity
17.04
15.41
10.73
19.99
22.01
21.72
14.48
17.31
23.
Cost of deposits
4.85
4.68
4.50
5.23
4.98
5.36
4.61
5.46
24.
Cost of borrowings
5.30
6.09
3.58
4.25
5.45
5.86
4.57
5.02
25.
Cost of funds
4.88
4.79
4.46
5.19
4.99
5.37
5.43
26.
Return on advances
7.62
8.29
8.59
9.40
8.15
9.03
8.78
27.
Return on investments
7.77
7.37
8.85
8.21
7.93
7.76
8.07
28.
Return on advances adjusted to cost of funds
2.74
3.50
4.12
4.21
3.16
3.67
3.48
3.35
29.
Return on investments adjusted to cost of funds
2.89
4.38
3.66
3.22
2.57
3.15
2.64
30.
Business per employee (in Rs.lakh)
299.23
357.00
276.85
368.09
414.34
473.64
367.97
476.67
31.
Profit per employee (in Rs.lakh)
2.17
1.20
3.26
3.92
2.09
2.91
32.
Capital adequacy ratio
11.88
12.34
12.08
12.89
12.51
11.40
11.77
33.
Capital adequacy ratio - Tier I
9.36
8.01
8.50
7.79
8.95
8.25
6.74
34.
Capital adequacy ratio - Tier II
2.52
4.33
5.10
3.13
4.26
3.85
5.03
35.
Ratio of net NPA to net advances
1.88
1.18
0.36
0.22
1.83
1.04
Source : Annual accounts of banks of respective years.
State Bank of Mysore
State Bank of Patiala
State Bank of Saurashtra
State Bank of Travancore
(9)
(10)
(11)
(12)
(13)
(14)
(15)
(16)
4.56
9.52
5.66
5.97
7.02
4.76
7.95
71.81
74.77
73.42
61.00
70.11
72.57
80.00
34.78
31.74
37.53
31.54
42.81
31.71
40.89
30.86
106.59
106.51
103.20
104.96
103.81
101.82
113.46
110.86
84.65
82.04
81.92
82.56
83.86
81.59
81.55
64.49
68.05
70.42
72.76
63.64
66.66
69.60
71.67
42.45
36.31
37.87
34.58
41.61
41.64
41.10
39.92
56.60
60.67
59.61
62.36
46.98
51.87
47.86
52.08
86.09
88.40
84.83
90.31
76.15
74.48
85.98
87.12
6.26
4.77
4.05
8.14
5.72
4.29
7.50
7.82
6.77
7.15
7.57
8.11
3.41
3.09
2.50
2.61
3.25
1.87
1.39
0.67
0.64
1.16
2.84
1.68
1.49
1.84
2.08
1.85
58.09
56.48
60.74
74.41
66.74
64.02
63.55
23.78
19.19
17.92
14.72
22.81
18.08
20.49
17.50
17.59
14.93
13.25
11.41
17.90
15.28
13.43
1.05
0.73
0.72
1.29
0.93
1.21
12.91
13.36
10.75
10.14
17.28
15.86
12.24
14.95
2.44
2.04
1.78
1.75
1.41
2.22
2.03
1.23
1.10
0.77
0.31
0.46
25.62
24.00
14.17
15.52
6.79
8.66
21.02
22.26
4.51
5.18
4.59
5.25
4.97
5.56
5.00
5.21
4.30
2.33
6.89
2.21
3.62
3.77
0.34
0.18
5.07
4.66
5.13
4.89
4.96
9.00
8.03
8.72
8.35
7.90
8.62
7.66
7.86
7.16
6.73
9.11
8.47
8.75
4.00
3.93
3.37
3.59
3.01
2.79
1.60
4.23
3.57
3.79
290.00
398.00
493.01
599.54
303.94
343.00
381.19
506.13
2.60
2.66
3.24
2.34
2.96
11.37
11.47
12.38
12.03
12.78
11.15
11.68
7.44
6.62
9.96
8.36
9.02
8.17
7.24
3.71
4.02
3.91
4.13
0.74
0.45
0.99
0.83
0.70
1.47
1.08
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