(Amount in Rs. crore)

As on March

31

Ratios

State Bank

Other

All

of

India

Nationalised

Foreign

Scheduled

Scheduled

& its

Banks

Banks

Commercial

Commercial

Associates

Banks

Banks

2004

2005

2004

2005

$

2004

2005

2004

2005*

2004

2005*

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

1.

Cash-deposit ratio

6.04

4.99

7.32

6.96

9.08

7.83

8.09

6.78

7.19

6.43

2.

Credit-deposit ratio

50.94

56.31

51.92

61.27

75.50

87.07

63.45

70.48

54.82

62.69

3.

Investment-deposit ratio

57.24

51.56

47.60

45.69

51.89

49.15

50.45

44.45

50.95

47.26

4.

(Credit+Investment)-deposit ratio

108.18

107.87

99.52

106.96

127.39

136.22

113.90

114.92

105.77

109.95

5.

Ratio of deposits to total liabilities

78.81

80.64

86.10

81.11

58.79

56.13

73.12

73.42

79.77

77.96

6.

Ratio of term deposits to total deposits

60.68

60.95

63.22

62.95

57.14

51.94

70.13

69.55

63.39

63.00

7.

Ratio of priority sector advances to

total advances

30.81

32.33

36.28

35.47

23.23

25.77

26.46

25.76

32.03

32.20

8.

Ratio of term loan to total advances

45.18

52.03

45.01

51.18

45.02

49.17

65.02

65.84

49.01

54.07

9.

Ratio of secured advances to total

advances

84.64

79.10

86.66

84.88

65.99

63.56

90.22

86.05

85.40

82.28

10.

Ratio of investments in non-approved

securites to total investments

11.47

9.74

19.23

18.95

21.08

19.46

28.46

30.33

18.49

18.03

11.

Ratio of interest income to total assets

7.85

7.49

8.00

7.38

7.12

6.32

7.71

6.59

7.85

7.19

12.

Ratio of net interest margin to total assets

2.98

3.26

3.29

3.13

3.73

3.53

2.42

2.51

3.08

3.08

13.

Ratio of non-interest income to total assets

2.09

1.61

2.00

1.40

3.18

2.66

2.30

1.60

2.16

1.58

14.

Ratio of intemediation cost to total assets

2.32

2.28

2.36

2.24

2.97

3.03

2.24

2.17

2.37

2.29

15.

Ratio of wage bills to intemediation cost

68.94

67.43

69.54

67.43

31.97

30.59

34.72

33.73

60.20

58.30

16.

Ratio of wage bills to total expense

22.27

23.64

23.21

23.26

14.95

15.94

10.32

11.71

19.98

20.85

17.

Ratio of wage bills to total income

16.10

16.90

16.41

17.17

9.22

10.32

7.77

8.94

14.26

15.21

18.

Ratio of burden to total assets

0.23

0.67

0.36

0.83

-0.21

0.37

-0.06

0.57

0.21

0.71

19.

Ratio of burden to interest income

2.92

8.95

4.46

11.26

-3.00

5.82

-0.77

8.70

2.63

9.86

20.

Ratio of operating profits to total assets

2.75

2.59

2.93

2.30

3.79

3.17

2.48

1.93

2.86

2.37

21.

Return on assets

1.05

0.95

1.26

0.92

1.88

1.52

1.02

1.06

1.20

0.99

22.

Return on equity

22.09

18.76

23.27

16.53

14.50

11.84

17.04

13.45

20.64

15.83

23.

Cost of deposits

5.83

4.96

5.15

4.56

3.87

3.11

5.26

4.13

5.30

4.53

24.

Cost of borrowings

1.43

2.58

4.40

1.56

4.56

3.81

1.58

1.53

2.72

2.18

25.

Cost of funds

5.69

4.86

5.14

4.42

4.04

3.29

4.72

3.80

5.14

4.36

26.

Return on advances

7.93

7.49

8.72

8.21

8.96

8.15

9.78

8.49

8.74

8.08

27.

Return on investments

8.87

8.39

9.22

8.23

8.26

7.01

7.62

6.10

8.80

7.87

28.

Return on advances adjusted

to cost of funds

2.25

2.63

3.58

3.79

4.91

4.86

5.06

4.69

3.60

3.72

29.

Return on investments adjusted

to cost of funds

3.19

3.53

4.08

3.81

4.22

3.72

2.90

2.31

3.65

3.51

Notes : $ Includes IDBI Ltd. * Excludes Sangli Bank.
Source : Compiled from annual accounts of banks of respective years.