TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS — 2006 AND 2007 (Contd.

)
STATE BANK OF INDIA & ITS ASSOCIATES
(In per cent)
Ratios As on March 31
State Bank of State Bank of State Bank of State Bank of
Saurashtra Travancore Saurashtra Travancore
2006 2007 2006 2007 2007 2008 2007 2008
-13 -14 -15 -16 (13) (14) (15) (16)
1 Cash-deposit ratio 5.97 7.02 4.76 7.95 7.02 11.22 7.95 9.26
2 Credit-deposit ratio 61 70.11 72.57 80 70.11 75.71 79.49 79.59
3 Investment-deposit 42.81 31.71 40.89 30.86 31.72 37.02 31.36 32.11
ratio
4 (Credit+Investment)- 103.81 101.82 113.46 110.86 101.83 112.73 110.86 111.70
deposit ratio
5 Ratio of deposits to 83.74 83.86 81.59 81.55 83.86 75.70 81.55 80.16
total liabilities
6 Ratio of term deposits 63.64 66.66 69.6 71.67 66.66 65.44 71.67 70.72
to total deposits
7 Ratio of priority sector 41.61 41.64 41.1 39.92 41.64 39.55 39.54 41.73
advances to total
advances
8 Ratio of term loan to 46.98 51.87 47.86 52.08 51.87 56.29 51.78 51.22
total advances
9 Ratio of secured 76.15 74.48 85.98 87.12 74.48 77.26 87.04 84.57
advances to total
advances
10 Ratio of investments in 8.14 5.72 4.29 2.24 5.77 16.31 3.81 6.00
non-approved
securities
  to total investments                
11 Ratio of interest 7.45 7.57 7.57 8.11 7.32 7.75 7.70 8.37
income to total assets
12 Ratio of net interest 3.03 2.61 3.15 3.25 2.36 1.81 2.84 2.33
margin to total assets
13 Ratio of non-interest 0.67 0.64 1.16 0.64 0.89 1.03 1.04 1.07
income to total assets
14 Ratio of 1.95 1.84 2.08 1.85 1.84 1.96 1.85 1.67
intermediation cost to
total assets
15 Ratio of wage bills to 74.41 66.74 64.02 63.55 66.74 59.81 63.55 60.50
intermediation cost
16 Ratio of wage bills to 22.81 18.08 20.49 17.5 18.08 14.83 17.50 13.14
total expense
17 Ratio of wage bills to 17.9 14.98 15.28 13.43 14.98 13.35 13.43 10.73
total income
18 Ratio of burden to 1.29 1.2 0.93 1.21 0.96 0.93 0.81 0.60
total assets
19 Ratio of burden to 17.28 15.86 12.24 14.95 13.08 12.00 10.47 7.23
interest income
20 Ratio of operating 1.75 1.41 2.22 2.03 1.41 0.88 2.03 1.73
profits to total assets
21 Return on assets 0.31 0.46 0.86 0.86 0.46 0.28 0.86 0.89
22 Return on equity 6.79 8.66 21.02 22.26 8.66 4.75 22.26 23.28
23 Cost of deposits 4.97 5.56 5 5.21 5.56 6.75 5.21 6.52
24 Cost of borrowings 3.62 3.77 0.34 0.18 3.77 4.31 0.18 0.45
25 Cost of funds 4.88 5.46 4.89 4.96 5.46 6.52 4.96 6.11
26 Return on advances 7.62 8.35 7.9 8.62 8.35 9.86 8.65 9.84
27 Return on investments 9.11 9.03 8.47 8.75 8.25 6.79 7.34 7.27
28 Return on advances 2.74 2.89 3.01 3.67 2.89 3.34 3.70 3.73
adjusted to cost of
funds
29 Return on investments 4.23 3.57 3.59 3.79 2.79 0.28 2.38 1.16
adjusted to cost of
funds
30 Business per employee 303.94 343 381.19 506.13 343.00 396.00 506.13 558.65
(in Rs.lakh)
31 Profit per employee (in 0.64 1.21 2.34 2.96 1.21 0.74 2.96 3.40
Rs.lakh)
32 Capital adequacy ratio 12.03 12.78 11.15 11.68 12.78 12.34 11.68 12.68
33 Capital adequacy ratio 9.02 8.17 7.24 7.55 8.17 8.06 7.55 6.94
- Tier I
34 Capital adequacy ratio 3.01 4.61 3.91 4.13 4.61 4.28 4.13 5.74
- Tier II
35 Ratio of net NPA to net 1.16 0.7 1.47 1.08 0.70 0.91 1.08 0.94
advances
Source : Annual accounts of banks of respective years.
TABLE B11 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS — 2004 AND 2005 (Contd.)
STATE BANK OF INDIA AND ITS ASSOCIATES
                (in per cent)
                   
    As on March 31
                   
    State Bank of State Bank of
    Saurashtra Travancore
           
  Ratios 2004 2005 2004 2005
    (13) (14) (15) (16)
           
1 Cash-deposit ratio 6.88 6.76 4.86 8.55
2 Credit-deposit ratio 49.09 53.23 56.45 61.53
3 Investment-deposit ratio 54.77 48.25 54.65 43.89
4 (Credit + investment)-deposit 103.86 101.4 111.1 105.4
ratio 8 2
5 Ratio of deposits to total 83.15 83.87 82.16 83.58
liabilities
6 Ratio of term deposits to total 69.34 70.84 68.3 70.38
deposits
7 Ratio of priority sector 42.67 38.96 37.22 38.36
advances to total advances
8 Ratio of term-loans to total 31.97 45.7 37.65 44.1
advances
9 Ratio of secured advances to 87.54 77.35 86.67 83.26
total advances
10 Ratio of investments in non- 6.78 5.61 4.45 3.27
approved securities to total
investments
11 Ratio of Interest income to 8.25 8.12 8.09 7.6
total assets
12 Ratio of net interest margin to 3.41 3.64 3.18 3.39
total assets
13 Ratio of non-interest income 2.7 0.82 2.18 1.55
to total assets
14 Ratio of intermediation cost 2.29 1.82 2.1 1.9
to total assets
15 Ratio of wage bills to 59.88 64.99 70.01 67.15
intermediation cost
16 Ratio of wage bills to total 19.22 18.79 20.99 20.9
expenses
17 Ratio of wage bills to total 12.52 13.24 14.33 13.97
income
18 Ratio of burden to total assets -0.41 1 -0.08 0.36
19 Ratio of burden to interest -5.01 12.35 -1.01 4.69
income
20 Ratio of operating profits to 3.82 2.64 3.26 3.03
total assets
21 Return on assets 1.38 0.27 1.02 0.86
22 Return on equity 25.47 5.27 29.68 24.05
23 Cost of deposits 5.73 5.17 5.59 4.79
24 Cost of borrowings 0.8 1.61 0.56 1.37
25 Cost of funds 5.49 4.95 5.54 4.76
26 Return on advances 8.46 7.61 8.55 7.79
27 Return on investments 9.63 9.7 8.8 8.58
28 Return on advances adjusted 2.97 2.66 3 3.03
to cost of funds
29 Return on investments 4.15 4.76 3.26 3.82
adjusted to cost of funds
30 Business per employee (in Rs. 193.16 249.6 271.7 346.2
lakh) 8 5
31 Profit per employee (in Rs. 2.4 0.56 2.16 2.21
lakh)
32 Capital adequacy ratio 14.53 11.45 11.36 11.05
33 Capital adequacy ratio - Tier I 10.99 8.68 6.23 6.17
34 Capital adequacy ratio - Tier II 3.54 2.77 5.13 4.88
35 Ratio of net NPA to net 0 1.4 1.39 1.81
advances
                   
Source : Compiled from annual accounts of banks of respective years.
TABLE B10 : SELECTED RATIOS OF SCHEDULED COMMERCIAL BANKS — 2005 AND 2006 (Contd.)
STATE BANK OF INDIA & ITS ASSOCIATES
(in per cent)
    As on March 31
    State State State State
  Ratios Bank of Bank of Bank of Bank of
    Mysore Patiala Saurashtra Travancore
    2005 2006 2005 2006 2005 2006 2005 2006
    -9 -10 -11 -12 -13 -14 -15 -16
                   
1 Cash-deposit ratio 6.93 4.56 6.3 4.47 6.76 5.97 8.55 4.76
                   
2 Credit-deposit ratio 64.6 71.8 57.9 65.6 53.23 61 61.5 72.57
4 1 7 6 3
                   
3 Investment-deposit ratio 42.6 34.7 46.4 38.0 48.25 42.8 43.8 40.89
7 8 7 8 1 9
                   
4 (Credit + Investment) - deposit 107. 106. 104. 103. 101.5 103. 105. 113.5
ratio 3 6 4 7 8 4
                   
5 Ratio of deposits to total liabilities 82.0 84.6 84.1 81.5 83.79 83.7 83.5 81.59
7 5 1 6 4 8
                   
6 Ratio of term deposits to total 64.3 64.4 68.3 70.4 70.84 63.6 70.3 69.6
deposits 1 9 7 2 4 8
                   
7 Ratio of priority sector advances to 40.4 42.4 44.0 37.8 38.96 41.6 38.3 41.1
total advances 5 5 4 7 1 6
                   
8 Ratio of term loan to total 48.3 56.6 56.6 59.6 45.7 46.9 44.1 47.86
advances 7 9 1 8
                   
9 Ratio of secured advances to total 91.9 86.0 83.5 84.8 77.35 76.1 83.2 85.98
advances 9 6 3 5 6
                   
10 Ratio of investments in non- 7.71 6.26 5.59 5.88 5.61 8.14 3.27 4.29
approved securites
  to total investments                
                   
11 Ratio of interest income to total 7.75 7.5 7.31 6.75 8.12 7.45 7.6 7.57
assets
                   
12 Ratio of net interest margin to total 3.63 3.41 3.34 2.73 3.64 3.03 3.39 3.15
assets
                   
13 Ratio of non-interest income to 2.51 1.93 1.22 0.95 0.95 0.86 1.55 1.16
total assets
                   
14 Ratio of intermediation cost to 3.16 2.9 1.64 1.68 1.82 1.95 1.9 2.08
total assets
                   
15 Ratio of wage bills to 69.0 56.8 61.4 60.8 64.99 74.4 67.1 64.02
intermediation cost 2 7 4 1 5
                   
16 Ratio of wage bills to total expense 30 23.5 17.9 17.9 18.79 22.8 20.9 20.49
7 8 2 1
                   
17 Ratio of wage bills to total income 21.2 17.4 11.8 13.2 13.04 17.4 13.9 15.28
8 8 2 5 9 7
                   
18 Ratio of burden to total assets 0.65 0.97 0.42 0.73 0.87 1.09 0.36 0.93
                   
19 Ratio of burden to interest income 8.45 12.9 5.78 10.7 10.67 14.6 4.69 12.24
1 5 9
                   
20 Ratio of operating profits to total 2.98 2.44 2.92 2.01 2.78 1.94 3.03 2.22
assets
                   
21 Return on assets 1.25 1.23 0.91 0.73 0.31 0.31 0.86 0.86
                   
22 Return on equity 30.8 25.6 15.2 14.2 5.27 6.79 24.0 21.02
2 2 1 6 5
                   
23 Cost of deposits 4.74 4.51 4.64 4.59 5.17 4.97 4.79 5
                   
24 Cost of borrowings 2.58 4.3 3.79 6.89 1.61 3.62 1.37 0.34
                   
25 Cost of funds 4.69 4.51 4.62 4.66 4.95 4.88 4.76 4.89
                   
26 Return on advances 8.7 8.5 7.9 8.03 7.61 7.62 7.79 7.9
                   
27 Return on investments 8.57 7.66 7.85 7.11 9.7 9.11 8.58 8.47
                   
28 Return on advances adjusted to 4.01 4 3.28 3.37 2.66 2.74 3.03 3.01
cost of funds
                   
29 Return on investments adjusted to 3.87 3.15 3.23 2.45 4.76 4.23 3.82 3.59
cost of funds
                   
30 Business per employee (in Rs. lakh) 203. 289. 361. 493 263.1 303. 346. 381.2
5 9 2 9 3
                   
31 Profit per employee (in Rs. lakh) 2.16 2.22 2.48 2.66 0.56 0.64 2.21 2.34
                   
32 Capital adequacy ratio 12.0 11.3 14.2 13.5 11.45 12.0 11.0 11.15
8 7 1 5 3 5
                   
33 Capital adequacy ratio - Tier I 7.12 7.44 11.0 9.84 8.68 9.02 6.17 7.24
5
                   
34 Capital adequacy ratio - Tier II 4.96 3.93 3.16 3.71 2.77 3.01 4.88 3.91
                   
35 Ratio of net NPA to net advances 0.92 0.74 1.23 0.99 1.4 1.16 1.81 1.47
                   
                   
Source : Annual accounts of banks                
  State Bank of Saurashtra  State Bank of Travancore
Ratios
20
2003 2004 03 2004
 
(13)

6.35 6.88 5.2 4.86

 1.  Cash-deposit ratio
51.36 49.09 57.58 56.45
 2.  Credit-deposit ratio
52.59 54.77 50.47 54.65
 3.  Investment-deposit ratio
103.95 103.9 108.06 111.1
 4.  (Credit+Investment)-deposit ratio
83.24 83.15 83.68 82.16
 5.  Ratio of deposits to total liabilities
 6.  Ratio of term deposits to total 69.18 69.34 68.74 68.3
deposits

 7.  Ratio of priority sector advances to 40.81 42.67 33.6 37.22

total advances
 8.  Ratio of term loan to total 27.38 31.97 33.53 37.65
advances
 9.  Ratio of secured advances to total 92.89 87.54 87.1 86.67
advances
 10. Ratio of investments in non-
approved securites to total 11.36 6.78 5.37 4.45
investments
 11. Ratio of interest income to total 8.93 8.25 8.92 8.09
assets
 12. Ratio of net interest margin to total 3.16 3.41 2.94 3.18
assets
 13. Ratio of non-interest income to 2.12 2.7 1.69 2.18
total assets
 14. Ratio of intemediation cost to total 2.45 2.29 2.07 2.1
assets
 15. Ratio of wage bills to 62.4 59.88 73.2 70.01
intemediation cost
 16. Ratio of wage bills to total 18.57 19.22 18.84 20.99
expense
13.81 12.52 14.29 14.33
 17. Ratio of wage bills to total income
0.32 -0.41 0.38 -0.08
 18. Ratio of burden to total assets
3.64 -5.01 4.28 -1.01
 19. Ratio of burden to interest income
 20. Ratio of operating profits to total 2.83 3.82 2.56 3.26
assets
0.85 1.38 0.9 1.02
 21. Return on assets
15.51 25.47 25.66 29.68
 22. Return on equity
6.95 5.73 6.82 5.59
 23. Cost of deposits
0.39 0.8 4 0.56
 24. Cost of borrowings
6.73 5.49 6.81 5.54
 25. Cost of funds
9.55 8.46 9.51 8.55
 26. Return on advances
11.01 9.63 10.06 8.8
 27. Return on investments
 28. Return on advances adjusted to 2.82 2.97 2.7 3
cost of funds
 29. Return on investments adjusted to 4.28 4.15 3.25 3.26
cost of funds
 30. Business per employee (in 167.87 193.2 217.68 271.8
Rs.lakh)
1.25 2.4 1.51 2.16
 31. Profit per employee (in Rs.lakh)
13.68 14.53 11.3 11.36
 32. Capital adequacy ratio
11.66 10.99 6.8 6.23
 33. Capital adequacy ratio - Tier I
2.02 3.54 4.5 5.13
 34. Capital adequacy ratio - Tier II
3.53 0 3.06 1.39
 35. Ratio of net NPA to net advances
 State Bank State Bank of
of Travancore
Saurashtra #
Ratios
2008 200 2008 2009
9

(13) (14) (15) (16)

1. Cash-Deposit ratio 11.22   9.26 5.54

2. Credit-Deposit ratio 75.71   79.59 77.81

3. Investment-Deposit ratio 37.02   32.11 31.47

4. (Credit+Investment)-Deposit ratio 112.7   111.7 109.2

3 0 8

5. Ratio of deposits to total liabilities 75.70   80.54 85.00

6. Ratio of term deposits to total deposits 65.44   70.72 67.57

7. Ratio of priority sector advances to total advances 39.55   41.73 39.79

8. Ratio of term loan to total advances 56.29   51.22 51.45

9. Ratio of secured advances to total advances 77.26   84.57 80.29

10. Ratio of investments in non-approved securities 16.31   6.00 11.04

to total investments
11. Ratio of interest income to total assets 7.75   8.39 8.83

12. Ratio of net interest margin to total assets 1.81   2.34 2.75

13. Ratio of non-interest income to total assets 1.03   1.07 1.23

14. Ratio of intermediation cost to total assets 1.96   1.68 1.71

15. Ratio of wage bills to intermediation cost 59.81   60.50 61.03

16. Ratio of wage bills to total expense 14.83   13.14 13.40

17. Ratio of wage bills to total income 13.35   10.73 10.39

18. Ratio of burden to total assets 0.93   0.61 0.48

19. Ratio of burden to interest income 12.00   7.23 5.49

20. Ratio of operating profits to total assets 0.88   1.73 2.26

21. Return on assets 0.28   0.89 1.30

22. Return on equity 4.75   23.28 30.64

23. Cost of deposits 6.75   6.52 6.45

24. Cost of borrowings 4.31   0.45 1.06

25. Cost of funds 6.52   6.11 6.21

26. Return on advances 9.86   9.84 10.43

27. Return on investments 6.79   7.27 6.98

28. Return on advances adjusted to cost of funds 3.34   3.73 4.22

29. Return on investments adjusted to cost of funds 0.28   1.16 0.77

30. Business per employee (in Rs.lakh) 396.0   558.6 657.7

0 5 5

31. Profit per employee (in Rs.lakh) 0.74   3.40 5.36

32. Capital adequacy ratio 12.34   13.53 14.03

33. Capital adequacy ratio - Tier I 8.06   7.41 8.59

34. Capital adequacy ratio - Tier II 4.28   6.12 5.44

35. Ratio of net NPA to net advances 0.91   0.94 0.58

# See ' Expalnatory Notes '