(in Per cent)

Ratios

As on March 31

 State Bank
  of India &
  its Associates

 Nationalised
  Banks $

 Public Sector
 Banks

 Old Private
  Sector Banks

 2010

2011

 2010

 2011

 2010

 2011

 2010

 2011

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

1. Cash-Deposit ratio

7.41

9.57

7.31

7.46

7.34

8.06

7.36

6.88

2. Credit-Deposit ratio

77.43

79.80

71.33

73.92

73.16

75.59

67.02

69.90

3. Investment-Deposit ratio

34.97

30.96

32.05

30.15

32.93

30.38

36.32

35.06

4. (Credit+Investment)-Deposit ratio

112.39

110.75

103.38

104.07

106.08

105.97

103.34

104.96

5. Ratio of deposits to total liabilities

78.46

77.98

85.32

84.61

83.14

82.61

85.49

85.48

6. Ratio of demand & savings bank deposits to total deposits

42.73

45.01

30.28

29.82

34.01

34.14

28.34

27.97

7. Ratio of priority sector advances to total advances

29.45

32.03

31.56

29.91

30.89

30.54

35.43

34.69

8. Ratio of term loan to total advances

52.16

50.28

54.90

53.01

54.03

52.19

49.98

49.14

9. Ratio of secured advances to total advances

80.55

81.92

79.49

80.14

79.82

80.68

87.24

87.73

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

19.74

19.57

16.19

18.62

17.32

18.89

26.82

30.19

11. Ratio of interest income to total assets

7.28

7.30

7.55

7.63

7.46

7.53

8.18

8.06

12. Ratio of net interest income to total assets (Net Interest Margin)

2.36

2.84

2.26

2.75

2.29

2.78

2.56

2.95

13. Ratio of non-interest income to total assets

1.37

1.28

1.11

0.85

1.19

0.98

1.26

1.05

14. Ratio of intermediation cost to total assets

1.88

1.94

1.48

1.60

1.61

1.70

1.88

1.94

15. Ratio of wage bills to intermediation cost

61.91

63.39

62.42

66.44

62.23

65.37

58.05

60.94

16. Ratio of wage bills to total expense

17.10

19.21

13.65

16.41

14.79

17.27

14.57

16.75

17. Ratio of wage bills to total income

13.45

14.31

10.68

12.54

11.59

13.09

11.57

12.96

18. Ratio of burden to total assets

0.51

0.66

0.37

0.75

0.42

0.72

0.62

0.89

19. Ratio of burden to interest income

7.03

9.02

4.95

9.82

5.62

9.58

7.63

11.04

20. Ratio of operating profits to total assets

1.85

2.19

1.89

2.00

1.87

2.06

1.94

2.06

21. Return on assets

0.91

0.79

1.00

1.03

0.97

0.96

0.95

1.12

22. Return on equity

15.92

14.11

18.30

18.20

17.47

16.90

12.29

14.10

23. Cost of deposits

5.75

5.09

5.64

5.13

5.68

5.12

6.28

5.63

24. Cost of borrowings

1.28

2.22

1.65

2.36

1.50

2.31

1.87

2.24

25. Cost of funds

5.32

4.80

5.37

4.93

5.35

4.89

6.13

5.50

26. Return on advances

8.93

8.84

9.18

9.20

9.10

9.09

10.95

10.42

27. Return on investments

6.33

6.67

6.81

6.85

6.65

6.80

6.09

6.20

28. Return on advances adjusted to cost of funds

3.60

4.05

3.82

4.27

3.75

4.20

4.82

4.92

29. Return on investments adjusted to cost of funds

1.00

1.88

1.45

1.92

1.30

1.91

-0.03

0.71

Note : $ Includes IDBI Bank Ltd.
Source : Annual accounts of banks.

TABLE 2.6 : BANK GROUP-WISE SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS : 2010 AND 2011

( in Per cent)

Ratios

As on March 31

New Private Sector
Banks

Private Sector
Banks

Foreign
Banks

All Scheduled
Commercial
Banks

2010

2011

2010

2011

2010

2011

2010

2011

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

1. Cash-Deposit ratio

9.94

9.20

9.22

8.59

8.23

8.43

7.71

8.17

2. Credit-Deposit ratio

80.68

82.98

76.86

79.53

70.34

81.24

73.66

76.54

3. Investment-Deposit ratio

45.64

44.60

43.04

42.09

68.63

68.76

36.42

34.12

4. (Credit+Investment)-Deposit ratio

126.32

127.58

119.90

121.62

138.97

150.00

110.09

110.65

5. Ratio of deposits to total liabilities

67.24

67.81

71.50

71.72

53.31

48.97

78.76

78.18

6. Ratio of demand & savings bank deposits to total deposits

43.12

42.54

38.99

38.70

45.10

46.76

35.42

35.50

7. Ratio of priority sector advances to total advances

30.76

29.08

31.90

30.38

33.93

32.69

31.22

30.61

8. Ratio of term loan to total advances

77.19

76.69

70.56

70.31

42.21

40.50

56.47

55.02

9. Ratio of secured advances to total advances

75.94

78.22

78.69

80.42

50.72

48.34

78.26

79.16

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

33.40

39.99

31.85

37.84

26.24

32.35

21.12

24.23

11. Ratio of interest income to total assets

7.43

7.46

7.60

7.60

5.99

6.15

7.37

7.44

12. Ratio of net interest income to total assets (Net Interest Margin)

3.00

3.16

2.90

3.12

3.96

3.86

2.54

2.92

13. Ratio of non-interest income to total assets

2.06

1.80

1.88

1.63

2.26

2.37

1.41

1.20

14. Ratio of intermediation cost to total assets

2.16

2.23

2.10

2.17

2.52

2.71

1.78

1.86

15. Ratio of wage bills to intermediation cost

36.89

40.45

41.25

44.61

42.39

43.02

55.23

58.43

16. Ratio of wage bills to total expense

12.10

13.83

12.73

14.54

23.48

23.31

14.85

17.05

17. Ratio of wage bills to total income

8.41

9.76

9.13

10.48

12.95

13.68

11.17

12.60

18. Ratio of burden to total assets

0.10

0.44

0.22

0.54

0.26

0.34

0.37

0.66

19. Ratio of burden to interest income

1.39

5.86

2.93

7.11

4.36

5.56

5.00

8.86

20. Ratio of operating profits to total assets

2.90

2.73

2.68

2.58

3.70

3.52

2.17

2.26

21. Return on assets

1.38

1.51

1.28

1.43

1.26

1.74

1.05

1.10

22. Return on equity

11.87

13.62

11.94

13.70

7.34

10.28

14.31

14.96

23. Cost of deposits

5.01

4.73

5.36

4.97

3.10

3.30

5.49

5.01

24. Cost of borrowings

1.96

2.31

1.95

2.31

2.01

2.56

1.70

2.34

25. Cost of funds

4.42

4.27

4.83

4.56

2.83

3.11

5.10

4.73

26. Return on advances

9.56

9.43

9.89

9.67

9.99

8.75

9.29

9.18

27. Return on investments

6.28

6.62

6.23

6.53

6.39

7.39

6.54

6.79

28. Return on advances adjusted to cost of funds

5.14

5.16

5.06

5.11

7.16

5.64

4.19

4.45

29. Return on investments adjusted to cost of funds

1.86

2.35

1.41

1.97

3.56

4.28

1.44

2.06

Source : Annual accounts of banks.