Question 1:

How the CD Ratio of SBI has undergone change?

Answer:
Below id the CD Ratio of SBI
Credit
Deposit
Ratio

Mar '12

Mar '11

Mar '10

Mar '09

Mar '08

Mar '07

Mar '06

Mar '05

Mar '04

Mar '03

82.14

79.9

75.96

74.97

77.51

73.44

62.11

52.55

48.1

45.63

SBI

100
80
60
40
SBI

20
0
Mar Mar
Mar Mar
Mar Mar
'12 '11
Mar Mar
'10 '09
'08 '07
'06 '05

Mar
'04

Mar
'03

From the graph it clearly shows that the CD Ratio of SBI has been increasing.
In 2003 it was 45.63 and in 2012 it is 82.14.

Question 2:
Compare the CD Ratio of SBI with the other Banks?
Answer:
The below table shows the comparison of the CD Ratios of other banks with SBI

Credit
Deposit
Ratio

Mar '12

Mar '11

Mar '10

Mar '09

Mar '08

Mar '07

Mar '06

Mar '05

Mar '04

Mar '03

SBI

82.14

79.9

75.96

74.97

77.51

73.44

62.11

52.55

48.1

45.63

ICICI

92.23

87.81

90.04

91.44

84.99

83.83

87.59

89.17

97.38

122.96

HDFC

78.06

76.02

72.44

66.64

65.28

66.08

65.79

64.87

55.89

46.39

AXIS

76.26

74.65

71.87

68.89

65.94

59.85

52.79

47.4

43.63

42.84

PNB
Bank of
Baroda
Oriental
Bank of
Comme
rce

77.39

76.25

74.34

72.88

70.55

65.97

60.6

56.33

53.41

53.31

74.76

73.87

73.6

72.78

68.72

65.67

59.04

51.2

50.92

53.84

70.47

69.18

69.52

69.83

69.58

68.06

60.05

53.85

54

51.18

600

Oriental
Bank of
Commerce

500

Bank of
Baroda
400

PNB

AXIS
300
HDFC

ICICI
200
SBI

100

0
Mar '12 Mar '11 Mar '10 Mar '09 Mar '08 Mar '07 Mar '06 Mar '05 Mar '04 Mar '03

Question 3:
Justify the CD Ratio of SBI vis-a-vis the other Banks?
Answer:
From the above table it is clearly showing that the CD Ratio of SBI is increasing continuously. But for
other banks there is a down turn from 2003 to 2006.