<h1>Credit Deposit ratio increase signals shifted banking liquidity; mixed profitability and rising funding costs across bank groups.</h1> 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.