(per cent)

As on March 31

Ratios

State Bank of India

State Bank of Bikaner

State Bank of Hyderabad

State Bank of Indore

and Jaipur

2002

2003

2002

2003

2002

2003

2002

2003

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

01. Cash-deposit ratio

8.08

4.30

7.79

6.64

7.54

8.87

6.20

6.76

02. Credit-deposit ratio

44.65

46.52

50.86

51.18

48.40

46.91

54.17

56.23

03. Investment-deposit ratio

53.65

58.20

54.07

58.05

56.47

60.77

57.22

55.74

04. (Credit + investment)-deposit ratio

98.30

104.72

104.93

109.23

104.87

107.68

111.38

111.97

05. Ratio of deposits to total liabilities

77.70

78.78

74.98

73.36

78.67

78.83

78.76

81.02

06. Ratio of term deposits to total deposits

63.52

62.67

56.57

53.07

65.38

66.42

66.85

67.37

07. Ratio of priority sector advances to total advances

26.15

25.49

40.59

43.16

34.41

32.54

41.27

43.94

08. Ratio of term-loans to total advances

37.31

40.82

26.60

29.41

30.47

36.65

33.98

37.83

09. Ratio of secured advances to total advances

86.78

86.46

93.42

91.69

92.43

88.65

89.64

93.68

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

15.57

13.76

9.39

8.73

13.43

17.60

9.14

7.58

11. Ratio of Interest income to total assets

8.98

8.59

9.23

8.56

9.48

8.57

9.72

9.21

12. Ratio of net interest margin to total assets

2.74

2.76

3.33

3.28

3.21

3.10

3.20

3.43

13. Ratio of non-interest income to total assets

1.26

1.59

2.04

2.02

1.81

1.91

3.01

2.82

14. Ratio of intermediation cost to total assets

2.17

2.19

2.72

2.68

2.05

1.87

2.46

2.32

15. Ratio of wage bills to intermediation cost

71.46

71.62

72.18

70.98

68.26

67.95

68.07

66.97

16. Ratio of wage bills to total expenses

18.44

19.58

22.80

23.91

16.82

17.32

18.65

19.16

17. Ratio of wage bills to total income

15.16

15.45

17.43

17.98

12.40

12.13

13.16

12.90

18. Ratio of burden to total assets

0.91

0.61

0.68

0.66

0.25

-0.04

-0.55

-0.50

19. Ratio of burden to interest income

10.19

7.08

7.34

7.69

2.59

-0.49

-5.63

-5.46

20. Ratio of operating profits to total assets

1.82

2.15

2.66

2.62

2.97

3.14

3.75

3.93

21. Return on assets

0.70

0.86

1.06

1.13

1.02

1.15

1.24

1.76

22. Return on equity

16.95

19.15

24.17

24.56

25.74

26.80

34.58

40.21

23. Cost of deposits

7.62

7.12

7.58

6.96

7.56

6.74

7.61

6.84

24. Cost of borrowings

3.63

2.10

14.51

0.76

16.39

3.76

1.28

1.01

25. Cost of funds

7.47

6.96

7.61

6.88

7.61

6.70

7.45

6.68

26. Return on advances

9.44

8.69

10.91

10.29

11.06

10.05

10.33

10.27

27. Return on investments

10.65

9.61

11.13

10.23

10.65

9.94

10.71

9.79

28. Return on advances adjusted to cost of funds

1.97

1.73

3.30

3.41

3.46

3.35

2.88

3.60

29. Return on investments adjusted to cost of funds

3.18

2.65

3.53

3.36

3.04

3.24

3.26

3.11

30. Business per employee (in Rs. lakh)

173.01

191.00

129.42

145.64

166.04

226.20

171.00

220.52

31. Profit per employee (in Rs. lakh)

1.16

1.00

1.31

1.63

1.68

2.25

1.91

3.06

32. Capital adequacy ratio

13.35

13.50

13.42

13.08

14.03

14.91

12.78

13.09

33. Capital adequacy ratio - Tier I

9.22

8.81

12.06

10.52

9.86

9.84

8.15

9.40

34. Capital adequacy ratio - Tier II

4.13

4.69

1.36

2.56

4.17

5.07

4.63

3.69

35. Ratio of net NPA to net advances

5.63

4.50

5.72

4.13

4.97

3.25

3.58

2.66

(per cent)

Ratios

State Bank of Mysore

State Bank of Patiala

State Bank of Saurashtra

State Bank of Travancore

2002

2003

2002

2003

2002

2003

2002

2003

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

01. Cash-deposit ratio

6.73

5.16

5.12

6.58

5.55

6.35

7.38

5.20

02. Credit-deposit ratio

57.65

58.37

62.23

60.14

54.07

51.36

55.24

57.58

03. Investment-deposit ratio

48.78

52.82

40.90

45.45

46.64

52.59

47.34

50.47

04. (Credit + investment)-deposit ratio

106.43

111.19

103.13

105.59

100.71

103.95

102.59

108.06

05. Ratio of deposits to total liabilities

82.34

79.51

80.45

83.94

81.14

83.24

81.61

83.68

06. Ratio of term deposits to total deposits

64.82

63.55

58.26

61.91

65.59

69.18

68.04

68.74

07. Ratio of priority sector advances to total advances

35.40

36.46

36.45

40.98

41.97

40.81

30.40

33.60

08. Ratio of term-loans to total advances

29.86

35.29

34.35

39.03

23.37

27.38

27.37

33.53

09. Ratio of secured advances to total advances

93.56

95.62

89.48

89.27

93.12

92.89

82.36

87.10

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

17.39

16.23

13.93

9.62

17.37

11.36

5.83

5.37

11. Ratio of Interest income to total assets

9.83

9.56

9.50

9.13

9.39

8.93

9.39

8.92

12. Ratio of net interest margin to total assets

3.19

3.56

4.15

4.09

3.12

3.16

2.74

2.94

13. Ratio of non-interest income to total assets

2.36

2.71

1.67

1.79

1.93

2.12

1.49

1.69

14. Ratio of intermediation cost to total assets

3.17

3.02

2.25

2.05

2.59

2.45

2.15

2.07

15. Ratio of wage bills to intermediation cost

76.99

75.75

69.47

66.41

63.49

62.40

73.50

73.20

16. Ratio of wage bills to total expenses

24.91

25.38

20.58

19.15

18.55

18.57

17.98

18.84

17. Ratio of wage bills to total income

20.05

18.65

14.01

12.44

14.51

13.81

14.55

14.29

18. Ratio of burden to total assets

0.81

0.31

0.58

0.26

0.66

0.32

0.67

0.38

19. Ratio of burden to interest income

8.28

3.26

6.14

2.81

6.98

3.64

7.10

4.28

20. Ratio of operating profits to total assets

2.38

3.25

3.57

3.83

2.46

2.83

2.07

2.56

21. Return on assets

0.64

1.02

1.34

1.51

0.88

0.85

0.73

0.90

22. Return on equity

20.49

29.63

22.48

25.22

15.16

15.51

21.50

25.66

23. Cost of deposits

7.67

7.03

6.46

6.03

7.71

6.95

7.65

6.82

24. Cost of borrowings

4.06

0.60

19.03

3.98

1.50

0.39

92.59

4.00

25. Cost of funds

7.61

6.88

6.54

5.99

7.61

6.73

8.00

6.81

26. Return on advances

10.80

10.38

10.28

10.13

10.56

9.55

9.87

9.51

27. Return on investments

11.33

10.72

11.87

10.14

11.96

11.01

11.50

10.06

28. Return on advances adjusted to cost of funds

3.19

3.49

3.73

4.13

2.95

2.82

1.87

2.70

29. Return on investments adjusted to cost of funds

3.72

3.83

5.33

4.14

4.35

4.28

3.50

3.25

30. Business per employee (in Rs. lakh)

124.96

146.49

194.31

246.37

152.12

167.87

178.78

217.68

31. Profit per employee (in Rs. lakh)

0.67

1.19

1.97

2.76

1.10

1.25

1.06

1.51

32. Capital adequacy ratio

11.81

11.62

12.55

13.57

13.20

13.68

12.54

11.30

33. Capital adequacy ratio - Tier I

6.70

7.23

9.97

10.39

12.11

11.66

7.79

6.80

34. Capital adequacy ratio - Tier II

5.11

4.39

2.58

3.18

1.09

2.02

4.75

4.50

35. Ratio of net NPA to net advances

7.36

5.19

2.94

1.49

4.95

3.53

5.72

3.06

(per cent)

As on March 31

Ratios

Allahabad Bank

Andhra Bank

Bank of Baroda

Bank of India

2002

2003

2002

2003

2002

2003

2002

2003

(1)

(2)

(3)

(4)

(5)

(6)

(7)

(8)

01. Cash-deposit ratio

7.35

6.07

6.89

6.14

4.18

5.22

6.08

5.20

02. Credit-deposit ratio

48.50

49.26

52.34

54.66

54.47

53.26

64.16

66.15

03. Investment-deposit ratio

45.70

48.59

45.53

49.94

38.56

45.47

36.98

37.91

04. (Credit + investment)-deposit ratio

94.20

97.85

97.87

104.60

93.03

98.74

101.15

104.06

05. Ratio of deposits to total liabilities

91.53

90.78

88.32

85.35

87.16

86.85

85.54

84.11

06. Ratio of term deposits to total deposits

57.77

56.83

71.69

69.47

67.03

66.27

66.37

67.93

07. Ratio of priority sector advances to total advances

41.91

42.68

34.06

39.90

22.80

25.96

23.97

26.16

08. Ratio of term-loans to total advances

42.42

47.30

34.79

40.90

35.82

38.11

40.94

35.82

09. Ratio of secured advances to total advances

84.34

88.66

86.42

87.89

88.84

87.39

81.43

78.35

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

15.82

19.14

11.95

13.52

28.85

22.17

27.89

29.84

11. Ratio of Interest income to total assets

9.71

9.73

9.82

9.62

8.87

8.28

8.67

8.10

12. Ratio of net interest margin to total assets

3.12

3.45

2.78

3.30

2.80

2.86

2.84

2.78

13. Ratio of non-interest income to total assets

1.64

1.99

1.47

2.65

1.48

1.71

1.71

2.24

14. Ratio of intermediation cost to total assets

3.02

3.48

2.20

2.64

2.33

2.24

2.37

2.25

15. Ratio of wage bills to intermediation cost

69.61

55.92

68.69

65.94

67.56

68.46

70.99

68.28

16. Ratio of wage bills to total expenses

21.89

19.91

16.34

19.41

18.73

20.00

20.51

20.32

17. Ratio of wage bills to total income

18.53

16.59

13.36

14.18

15.20

15.34

16.19

14.87

18. Ratio of burden to total assets

1.38

1.49

0.73

-0.01

0.85

0.53

0.66

0.01

19. Ratio of burden to interest income

14.19

15.33

7.39

-0.08

9.57

6.34

7.62

0.10

20. Ratio of operating profits to total assets

1.74

1.95

2.06

3.31

1.95

2.33

2.18

2.77

21. Return on assets

0.32

0.59

0.97

1.63

0.81

1.05

0.78

1.16

22. Return on equity

8.45

15.43

24.66

40.31

15.20

18.81

18.40

26.65

23. Cost of deposits

7.05

6.71

7.63

6.89

6.65

5.89

5.95

5.50

24. Cost of borrowings

1.82

21.58

10.08

6.55

8.83

9.87

12.29

8.83

25. Cost of funds

7.04

6.74

7.66

6.88

6.68

5.93

6.23

5.68

26. Return on advances

10.87

10.30

11.47

11.54

10.02

8.89

9.39

8.80

27. Return on investments

11.05

10.45

10.80

9.67

10.84

10.01

9.52

8.59

28. Return on advances adjusted to cost of funds

3.83

3.56

3.81

4.66

3.34

2.95

3.16

3.11

29. Return on investments adjusted to cost of funds

4.02

3.71

3.14

2.79

4.16

4.08

3.29

2.90

30. Business per employee (in Rs. lakh)

153.00

183.00

195.96

226.71

222.76

237.67

218.74

242.97

31. Profit per employee (in Rs. lakh)

0.40

0.87

1.58

3.10

1.40

1.92

1.16

1.97

32. Capital adequacy ratio

10.62

11.15

12.59

13.62

11.32

12.65

10.68

12.02

33. Capital adequacy ratio - Tier I

6.22

6.35

8.80

8.19

7.56

8.10

6.37

7.56

34. Capital adequacy ratio - Tier II

4.40

4.80

3.79

5.43

3.76

4.55

4.31

4.46

35. Ratio of net NPA to net advances

10.57

7.08

2.45

1.79

5.06

3.72

6.02

5.59

(per cent)

As on March 31

Ratios

Bank of Maharashtra

Canara Bank

Central Bank of India

Corporation Bank

2002

2003

2002

2003

2002

2003

2002

2003

(9)

(10)

(11)

(12)

(13)

(14)

(15)

(16)

01. Cash-deposit ratio

8.56

8.68

12.28

7.78

6.48

7.21

7.06

5.91

02. Credit-deposit ratio

43.15

42.88

51.74

56.14

45.16

45.26

58.06

55.37

03. Investment-deposit ratio

51.80

53.22

36.26

42.25

44.76

50.90

42.57

49.11

04. (Credit + investment)-deposit ratio

94.95

96.09

88.00

98.38

89.92

96.17

100.63

104.49

05. Ratio of deposits to total liabilities

89.10

88.98

88.67

87.86

89.59

89.60

80.17

82.69

06. Ratio of term deposits to total deposits

65.57

67.58

66.17

65.19

60.57

59.14

73.99

71.47

07. Ratio of priority sector advances to total advances

35.40

35.79

28.04

30.07

38.54

41.76

37.31

33.01

08. Ratio of term-loans to total advances

42.82

47.27

31.06

33.19

39.42

42.23

41.44

43.04

09. Ratio of secured advances to total advances

82.73

75.16

84.94

85.88

88.91

90.34

79.16

85.52

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

14.77

11.74

23.26

20.64

25.66

23.17

24.17

20.02

11. Ratio of Interest income to total assets

9.86

8.97

9.19

8.63

9.33

9.25

8.99

8.43

12. Ratio of net interest margin to total assets

2.90

2.92

2.63

2.89

3.07

3.46

2.89

3.18

13. Ratio of non-interest income to total assets

1.52

1.55

2.06

1.96

1.20

1.01

1.76

2.13

14. Ratio of intermediation cost to total assets

2.37

2.23

2.30

2.27

2.87

2.78

1.77

1.89

15. Ratio of wage bills to intermediation cost

70.04

68.66

70.48

66.50

78.17

77.71

55.67

54.29

16. Ratio of wage bills to total expenses

17.76

18.44

18.27

18.83

24.57

25.23

12.55

14.36

17. Ratio of wage bills to total income

14.56

14.51

14.39

14.23

21.28

21.09

9.19

9.71

18. Ratio of burden to total assets

0.85

0.67

0.24

0.31

1.66

1.77

0.01

-0.24

19. Ratio of burden to interest income

8.60

7.48

2.58

3.54

17.83

19.19

0.12

-2.87

20. Ratio of operating profits to total assets

2.05

2.24

2.39

2.59

1.41

1.68

2.88

3.42

21. Return on assets

0.68

0.89

1.03

1.24

0.31

0.85

1.60

1.88

22. Return on equity

22.80

26.46

23.59

26.74

7.20

13.82

18.16

18.84

23. Cost of deposits

7.47

6.46

7.07

6.21

6.75

6.15

7.24

6.25

24. Cost of borrowings

1.67

2.13

1.42

1.07

1.50

1.84

1.84

1.44

25. Cost of funds

7.36

6.39

6.93

6.14

6.71

6.14

6.95

6.00

26. Return on advances

11.18

9.98

10.27

9.76

10.81

10.36

10.14

8.86

27. Return on investments

11.73

10.48

11.18

9.88

11.06

10.77

11.04

10.31

28. Return on advances adjusted to cost of funds

3.83

3.59

3.34

3.61

4.10

4.22

3.19

2.86

29. Return on investments adjusted to cost of funds

4.37

4.09

4.25

3.74

4.35

4.63

4.09

4.31

30. Business per employee (in Rs. lakh)

191.44

221.96

214.88

250.11

148.77

167.85

290.44

328.59

31. Profit per employee (in Rs. lakh)

1.02

1.58

1.64

2.26

0.40

0.77

3.00

4.06

32. Capital adequacy ratio

11.16

11.76

11.88

12.50

9.58

10.51

17.90

18.50

33. Capital adequacy ratio - Tier I

6.56

5.88

8.07

7.85

5.20

5.66

16.80

17.30

34. Capital adequacy ratio - Tier II

4.60

5.88

3.81

4.65

4.38

4.85

1.10

1.20

35. Ratio of net NPA to net advances

5.81

4.82

3.89

3.59

7.98

6.74

2.31

1.65

(per cent)

As on March 31

Ratios

Dena Bank

Indian Bank

Indian Overseas Bank

Oriental Bank of Commerce

2002

2003

2002

2003

2002

2003

2002

2003

(17)

(18)

(19)

(20)

(21)

(22)

(23)

(24)

01. Cash-deposit ratio

6.67

6.76

5.34

7.05

6.96

7.32

8.25

6.36

02. Credit-deposit ratio

48.99

51.15

45.38

45.44

47.67

47.54

49.70

52.59

03. Investment-deposit ratio

49.81

51.54

51.62

54.93

47.37

50.69

48.18

49.58

04. (Credit + investment)-deposit ratio

98.80

102.70

96.99

100.36

95.04

98.23

97.87

102.18

05. Ratio of deposits to total liabilities

81.49

81.79

79.43

76.37

89.75

89.17

88.30

87.71

06. Ratio of term deposits to total deposits

60.64

60.26

70.65

67.78

70.02

67.85

74.88

71.46

07. Ratio of priority sector advances to total advances

37.60

37.54

29.75

33.00

32.16

33.52

38.53

38.45

08. Ratio of term-loans to total advances

45.02

43.98

27.24

33.36

30.74

34.99

41.82

44.86

09. Ratio of secured advances to total advances

96.27

92.50

86.19

87.47

89.73

91.24

89.63

89.41

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

27.42

25.95

14.27

11.95

14.81

13.49

34.06

28.07

11. Ratio of Interest income to total assets

9.30

9.09

8.06

7.71

9.65

9.10

10.25

9.95

12. Ratio of net interest margin to total assets

2.41

2.91

1.87

2.50

2.95

3.19

3.28

3.64

13. Ratio of non-interest income to total assets

1.92

2.24

1.76

1.60

1.61

1.36

1.60

1.63

14. Ratio of intermediation cost to total assets

2.51

2.62

2.55

2.30

2.69

2.47

1.78

1.76

15. Ratio of wage bills to intermediation cost

70.06

71.59

77.57

76.29

74.58

75.97

54.54

59.65

16. Ratio of wage bills to total expenses

18.69

21.34

22.62

23.35

21.38

22.41

11.11

13.01

17. Ratio of wage bills to total income

15.65

16.57

20.14

18.84

17.82

17.96

8.21

9.06

18. Ratio of burden to total assets

0.58

0.38

0.79

0.70

1.08

1.12

0.19

0.13

19. Ratio of burden to interest income

6.29

4.19

9.76

9.09

11.16

12.26

1.81

1.27

20. Ratio of operating profits to total assets

1.83

2.53

1.08

1.80

1.88

2.07

3.09

3.51

21. Return on assets

0.06

0.57

0.13

0.65

0.65

1.01

1.00

1.30

22. Return on equity

1.29

11.56

0.94

4.05

22.29

32.10

20.23

24.51

23. Cost of deposits

7.79

7.06

7.37

6.51

7.15

6.34

7.64

6.97

24. Cost of borrowings

6.44

1.36

17.80

6.75

11.80

9.38

2.27

0.47

25. Cost of funds

7.76

6.98

7.49

6.52

7.17

6.36

7.55

6.82

26. Return on advances

11.15

10.93

10.65

9.80

10.86

10.55

11.22

10.29

27. Return on investments

11.40

10.36

10.37

9.96

11.05

9.88

11.82

11.25

28. Return on advances adjusted to cost of funds

3.38

3.96

3.17

3.29

3.69

4.19

3.67

3.47

29. Return on investments adjusted to cost of funds

3.64

3.38

2.88

3.44

3.88

3.52

4.26

4.43

30. Business per employee (in Rs. lakh)

221.00

242.00

156.00

174.00

175.41

204.36

318.00

343.00

31. Profit per employee (in Rs. lakh)

0.11

1.08

0.15

0.85

0.93

1.70

2.40

3.40

32. Capital adequacy ratio

7.64

9.33

1.70

10.85

10.82

11.30

10.99

14.04

33. Capital adequacy ratio - Tier I

4.36

5.31

0.85

7.51

6.17

5.83

8.89

10.72

34. Capital adequacy ratio - Tier II

3.28

4.02

0.85

3.34

4.65

5.47

2.10