The Reserve Bank of India today released the Statistical Tables Relating to Banks in India 2012-13 – an annual publication that provides key information on banks.

The publication provides bank-wise and bank group-wise information on major items such as liabilities and assets, income and expenses, non-performing assets, financial ratios, spatial distribution of offices, number of employees and details of priority sector advances. It also provides bank group-wise monthly data on some of the major items that include aggregate deposits, liabilities to the banking system, assets with the banking system, investments, bank credit, and sector-wise and industry-wise gross bank credit.

The analysis based on the data presented in the publication shows that:

• Credit-Deposit ratio of all scheduled commercial banks (SCBs) at the aggregate level increased in 2012-13.
• Ratio of demand and savings bank deposits to total deposits of all SCBs at the aggregate level declined marginally in 2012-13.
• Net interest margin (NIM) for all SCBs declined marginally during 2012-13. At the bank group level, NIM of “New Private Sector Banks” increased, remained unchanged for “Foreign Banks” and declined for rest of the bank-groups in 2012-13.
• Profitability in terms of return on assets (RoA) of all SCBs at the aggregate level declined marginally during 2012-13. At the bank group level, RoA declined in respect of “Public Sector Banks” while all other bank groups witnessed an increase in RoA during 2012-13.
• Cost of funds increased for all the bank-groups in 2012-13. At the same time, return on advances declined for all bank-groups except “Private Sector Banks”.
• Return on investments adjusted to cost of funds declined in 2012-13 in all the bank-groups.

Copies of the publication are available with the Director, Division of Reports and Knowledge Dissemination (Sales Section), Department of Economic and Policy Research, Reserve Bank of India, Amar Building, Ground Floor, P. M. Road, Fort, Mumbai-400 001.

The publication is also available in downloadable form at http://dbie.rbi.org.in.

Sangeeta Das

Director

Credit Deposit ratio increase signals shifted banking liquidity; mixed profitability and rising funding costs across bank groups. Analysis of 2012-13 data shows the Credit-Deposit ratio increased while demand and savings deposit shares declined marginally. Net interest margin fell overall with heterogeneous group outcomes; return on assets declined at the aggregate level (driven by Public Sector Banks) while other groups improved. Cost of funds rose across all bank groups; return on advances fell except for Private Sector Banks, and investment returns adjusted for cost of funds declined for all groups.