profitability analysis of public and private...
TRANSCRIPT
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CHAPTER-5
PROFITABILITY ANALYSIS OF PUBLIC AND
PRIVATE SECTOR BANKS
The banking industry, one of the most important instruments of the
national development, occupies a unique place in a nation’s economy. Profit
is the main reason for the continued existence of every commercial
organization, and profitability depicts the relationship of the absolute
amount of profit with various other factors. The main sources of operating
income of a commercial bank are — interest and discount earned,
commission, brokerage, income from non-banking assets and profit from
sale of or dealing with such asset and other receipts. The expenditure
broadly consists of – interest paid on deposits and borrowings and non-
interest cost or charges incurred on staff salary, stationery, rent, law
charges, postage, telegram, telephone, etc.
This chapter aims to study the profitability of public and private
sector banks in India. The data considered for the study pertains to the
period 1992 to 2010. The main sources of data include the Statistical Tables
relating to Banks in India published by Reserve Bank of India, Report on
Trends and Progress of banks in India published by Reserve Bank of India,
the website of the Reserve Bank of India. An attempt has been made to
estimate the impact of selected variables on bank profitability for the public
and private sector banks in India. The underlying objective is to empirically
test and identify those factors which have significantly contributed towards
bank profitability in either direction. For this purpose, correlation analysis
and regression analysis have been undertaken to determine the variables
affecting profitability of the bank under study.
5.1 PROFITABILITY ANALYSIS
Net Profit as a percentage of Total Assets has been taken as dependent
variable, i.e., (Y1) and 12 other variables have been taken as variables
affecting the profitability. Ratio analysis has been used to evaluate the
profitability performance of public sector banks. The data for the selected
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variables has been pooled together for each of the public and private sector
banks separately, for the entire study period of 19 years. Normally, data
pooling is considered helpful from a statistical point of view, as it leads to
larger samples, and hence, more reliable results.
The following 12 independent variables (X1 to X12) were selected for the
study:
1. Spread as Percentage of Total Assets (X1)
2. Burden as Percentage of Total Assets (X2)
3. Priority Sector Advances to Total Advances (X3)
4. Total Credit as Percentage of Total Deposits (X4)
5. Term Deposits as Percentage of Total Deposits (X5)
6. Saving Deposits as Percentage of Total Deposits (X6)
7. Demand Deposits as Percentage of Total Deposits (X7)
8. Establishment Expenses as Percentage of Total Assets (X8)
9. Total Credit as Percentage of Total Assets (X9)
10. Other Income as Percentage of Total Income (X10)
11. Capital as Percentage of Total Assets (X11)
12. Borrowings as Percentage of Total Liabilities (X12)
A brief explanation of these ratios has been given as follows:
5.1.1 NET PROFIT AS PERCENTAGE OF TOTAL ASSETS OF
PUBLIC SECTOR BANKS IN INDIA
Net profit implies the balance of Profit & Loss account, and the ratio of
net profit as percentage of total assets for public sector banks for the period
1992-2010 has been presented in Table 5.1. It serves as an index to the
degree of asset utilization by the banks. The table also reveals the standard
deviation (S.D.) and coefficient of variance (C.V.) for each public sector bank
over the study period and also for each year across 26 banks under study.
They measure the degree of variability of the ratio.
Canara Bank had the maximum ratio (0.95%) during the year 1992,
followed by State Bank of Patiala (0.79%) and Oriental Bank of Commerce
(0.67%), whereas during the year 2010 Indian Bank witnessed the highest
ratio (1.53%), followed by Punjab & Sind Bank (1.32%) and Andhra Bank
(1.16%).
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On the other hand, UCO Bank had shown the lowest ratio during the year
1992 (-0.18%), followed by Punjab National Bank (0.02%) and Syndicate
Bank (0.05%,) while during the year 2010 Union Bank of India registered
the minimum ratio (0.42%), followed by Indian Overseas Bank (0.54%) and
Central Bank of India (0.58%).
Bank-wise statistical analysis showed maximum average ratio for
Corporation Bank (1.13%), followed by Oriental Bank of Commerce (1.04%)
and State Bank of Patiala (0.90%). However, minimum average ratio had
been registered by Indian Bank (-0.57%), followed by United Bank of India (-
0.48%) and UCO Bank (-0.37%). Thus, Corporation Bank was more
profitable bank, while Indian Bank, the least profitable bank with respect to
this ratio over the period of study. Further, the ratio was more consistent in
terms of dispersion for State Bank of Hyderabad (33.55%), followed by
Corporation Bank (38.21%) and State Bank of India (38.24%). The ratio was
less consistent for Syndicate Bank (5290.30%), followed by Indian Overseas
Bank (2062.11%) and Bank of Maharashtra (-1941.03%) respectively.
5.1.2 NET PROFIT AS PERCENTAGE OF TOTAL ASSETS OF
PRIVATE SECTOR BANKS IN INDIA
The ratio of net profits as percentage of total assets for private sector
banks for the period 1992-2010 has been presented in Table 5. 2. The table
also reveals the standard deviation (S.D.) and coefficient of variance (C.V.)
for each private sector bank over the study period and also for each year
across 19 banks.
Karur Vysya Bank had the highest ratio (1.39%) during the year
1992, followed by Tamilnad Mercantile Bank (1.03%) and Bank of Rajasthan
(0.97%), while during the year 2010 Karur Vysya Bank witnessed the
highest ratio (1.53%), followed by Nainital Bank (1.51%) and Axis Bank
(1.39%). On the other hand, Jammu & Kashmir Bank had shown the lowest
ratio (0.17%) during the year 1992, followed by Dhanlaxmi Bank (0.18%)
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and Federal Bank (0.37%) whereas during the year 2010 Development
Credit Bank registered the lowest ratio (-1.28%), followed by Bank of
Rajasthan (-0.59%) and Catholic Syrian Bank (0.02%).
Bank-wise statistical analysis showed maximum average ratio for
Karur Vysya Bank (1.60%), followed by Tamilnad Mercantile Bank (1.45%)
and HDFC Bank (1.41%). However, minimum average ratio had been
exhibited by Development Credit Bank (0.16%), followed by Bank of
Rajasthan (0.40%) and Catholic Syrian bank (0.44%). Thus, Karur Vysya
Bank was more profitable bank, while Catholic Syrian Bank, the least
profitable bank with respect to this ratio over the period of study. Further,
the ratio was more consistent in terms of dispersion for Axis Bank (20.53%),
followed by Tamilnad Mercantile Bank (20.55%) and Karur Vysya Bank
(23.47%). The ratio was less consistent for Development Credit Bank
(1032.69%), followed by SBI Commercial & International Bank (498.15%)
and Bank of Rajasthan (266.82%).
5.1.3 SPREAD AS PERCENTAGE OF TOTAL ASSETS OF
PUBLIC SECTOR BANKS
Spread is the difference between the interest earned by the banks and
interest expended by the banks. This ratio is calculated by taking spread as
percentage to total assets. The ratio of interest spread as percentage of total
assets is a measure of operating profitability of banks and serves as a
cushion for meeting various administrative related expenses. Table 5.3
depicts the ratio of spread as percentage to total assets for the public sector
banks in India during 1992–2010. In the year 1992, this ratio was highest in
the case of State Bank of Patiala (5.93%), followed by State Bank of Bikaner
and Jaipur (4.95%) and State Bank of Hyderabad (4.62%), whereas during
the year 2010, this ratio was highest in the case of Indian Bank (3.12%),
followed by Punjab & Sind Bank (2.86%) and State Bank of Mysore (2.72%).
On the other hand, in the year 1992, this ratio was lowest in the case of
Indian Overseas Bank (1.73%), followed by UCO Bank (1.93%) and Indian
Bank (1.99%) while in the year 2010, this ratio was lowest in the case of
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Central Bank of India (1.39%), followed by UCO Bank (1.69%) and
Corporation Bank (1.70%).
Bank-wise statistical analysis registered maximum average ratio for
State Bank of Patiala (3.30%), followed by State Bank of Mysore (3.24%) and
State Bank of Indore (3.20%). However, minimum average ratio had been
recorded in the case of UCO Bank (2.02%), followed by Indian Bank (2.05%)
and United Bank of India (2.10%). Maximum variation in the ratio was
witnessed by Indian Bank (45.41% C.V.), followed by United Bank of India
(38.40% C.V.) and Indian Overseas Bank (31.85% C.V.). Minimum variation
in the ratio was exhibited by Punjab & Sind Bank (9.36%), followed by Bank
of India (12.02%) and State Bank of Travancore (13.01%).
5.1.4 SPREAD AS PERCENTAGE TO TOTAL ASSETS OF
PRIVATE SECTOR BANKS
Table 5.4 depicts the ratio of spread as percentage to total assets for
the private sector banks in India during 1992 – 2010. Higher the ratio,
better it would be. In the year 1992, this ratio was highest in Jammu &
Kashmir Bank (5.66%), followed by Tamilnad Mercantile Bank (5.16%) and
Nainital Bank (4.65%), whereas in the year 2010, this ratio was highest in
the case of HDFC Bank (3.77%), followed by Nainital Bank (3.25%) and
Federal Bank (3.23%). On the other hand, in the year 1992, the ratio was
lowest in the case of Federal Bank (3.22%), followed by South Indian Bank
(3.72%) and Karnataka Bank (3.74%), while in the year 2010, the ratio was
lowest in the case of Karnataka Bank (0.99%), followed by SBI Commercial
& International Bank (1.16%) and Catholic Syrian Bank (1.60%).
Bank-wise statistical analysis showed maximum average ratio for
Nainital Bank (3.79%), followed by Tamilnad Mercantile Bank (3.67%) and
Jammu & Kashmir Bank (3.31%). However, minimum average ratio has
been registered by SBI Commercial & International Bank (1.74%), followed
by ICICI Bank (1.89%) and Axis Bank (1.96%). Maximum variation in the
ratio was witnessed by SBI Commercial & International Bank (40.99% C.V.),
followed by Development Credit Bank (38.48% C.V.) and ICICI Bank (35.91%
C.V.), while minimum variation in the ratio was recorded by Nainital Bank
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(10.24%), followed by Ratanakar Bank (14.85%) and South Indian Bank
(14.85%).
5.1.5 BURDEN AS PERCENTAGE TO TOTAL ASSETS OF
PUBLIC SECTOR BANKS IN INDIA
Burden refers to the difference between non-interest expenditure
(comprising establishment expenditure and other expenditure of current and
non-current nature) and non-interest income (consisting of commission,
brokerage and other miscellaneous receipts) of a bank. To the extent that
non-interest income of banks cannot be increased, any effort to income
bank’s profitability will involve the management of burden and more
specifically reducing non-interest expenses. This ratio was calculated by
taking the difference between two ratios namely non-interest expenditure as
percentage to total assets and non-interest income as percentage to total
assets. Lower the ratio, better it would be. Table 5.5 presents the ratio of
burden as percentage to total assets of the public sector banks during 1992-
2010.
During the year 1992, Bank of India had the lowest ratio (0.84%),
followed by State Bank of India (0.90%) and Bank of Baroda (0.99%),
whereas during the year 2010, this ratio was minimum for Corporation
Bank (-0.21%), followed by Allahabad Bank (0.08%) and State Bank of
Hyderabad (0.16%). On the other hand, the ratio was highest in the case of
Vijaya Bank (2.68%), followed by Syndicate Bank (2.53%) and Bank of
Maharashtra (2.48%) in the year 1992, while in the year 2010, the ratio was
maximum in the case of Indian Overseas Bank (1.01%), followed by State
Bank of India (0.72%) and Bank of Maharashtra (0.68%).
Bank-wise analysis registered the lowest average burden ratio for
Corporation Bank (0.44%), followed by State Bank of Hyderabad (0.70%) and
Canara Bank (0.80%). However, maximum average burden ratio had been
exhibited by Syndicate Bank (1.83%), followed by Bank of Maharashtra
(1.63%) and Central Bank of India (1.61%). Thus, Corporation Bank was at
a better position, while Syndicate Bank at a worst position with respect to
burden ratio for the period under study. Maximum variation (C.V.) and least
consistency in the ratio was found for Corporation Bank (102.72%), followed
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by State Bank of Indore (92.08%) and State Bank of Hyderabad (76.10%).
On the other hand, minimum variation and maximum consistency was
observed for Punjab National Bank (37.05%), followed by State Bank of India
(38.32%) and Central Bank of India (38.73%).
5.1.6 BURDEN AS PERCENTAGE TO TOTAL ASSETS
OF PRIVATE SECTOR BANKS IN INDIA
Table 5.6 presents the ratio of burden as percentage to total assets for
the private sector banks during 1992-2010. During the year 1992, Tamilnad
Mercantile Bank had the lowest ratio 1.29 per cent, followed by Federal
Bank (1.53%) and Jammu & Kashmir Bank (1.64%), while during the year
2010, this ratio was minimum for ICICI Bank (-0.45%), followed by Axis
Bank (-0.13%) and Karnataka Bank (0.03%). On the other hand, the ratio
was highest in the case of Dhanlaxmi Bank (3.50%), followed by Nainital
Bank (2.79%) and Catholic Syrian Bank (2.5%) in the year 1992, whereas in
the year 2010, the ratio was maximum in the case of Bank of Rajasthan
(2.10%), followed by Development Credit Bank (1.52%) and Catholic Syrian
Bank (1.50%).
Bank-wise analysis showed the lowest average burden ratio for SBI
Commercial & International Bank (-0.47%), followed by IndusInd Bank (-
0.29%) and Axis Bank (-0.09%). However, maximum average burden ratio
had been registered by Nainital Bank (2.10%), followed by Ratanakar Bank
(1.65%) and Catholic Syrian Bank (1.46%). Thus, SBI Commercial
International Bank was at a better position, while Nainital Bank at a worst
position with respect to burden ratio for the period under study. Maximum
variation (C.V.) and least consistency in the ratio was found for Karnatka
Bank (201.65%), followed by City Union Bank (165.50%) and Lakshami
Vilas Bank (100.67%) respectively. On the other hand, minimum variation
and maximum consistency was observed for Axis Bank (-610.81%), followed
by ICICI Bank (-572.73%) and IndusInd Bank (-246.25%).
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5.1.7 PRIORITY SECTOR ADVANCES TO TOTAL ADVANCES
OF PUBLIC SECTOR BANKS IN INDIA
To achieve the national objectives, higher growth rate and distributive
justice, RBI issued recent guidelines that every scheduled commercial bank
will have to provide at least 40 per cent of total credit to priority sector for
specific purpose and specific amount. Table 5.7 reveals that the extent of
financial assistant given by Private Sector Banks.
Dena Bank witnessed the highest ratio (44.45%), followed by Punjab
National Bank (43.90%) and Vijaya Bank (42.44%) during the year 1992,
whereas during the year 2010, highest ratio was witnessed by State Bank of
Indore (41.88%), followed by Bank of Maharashtra (39.44%) and State Bank
of Patiala (38.47%). On the other hand, the lowest ratio had been shown by
Bank of India (20.25%), followed by UCO Bank (20.80%) and State Bank of
India (24.01%) in the year 1992, while during the year 2010, the ratio was
lowest in the case of Bank of India (25.48%), followed by Bank of Baroda
(26.35%) and State Bank of India (26.99%).
Bank-wise statistical analysis showed maximum average ratio for State
Bank of Indore (40.22%), followed by State Bank of Bikaner and Jaipur
(39.40%) and Punjab National Bank (39.28%). However, minimum average
ratio had been registered by Bank of India (25.82%), followed by State Bank
of India (26.75%) and Bank of Baroda (27.31%). The ratio in terms of
dispersion was more consistent for Vijaya Bank (6.31%), followed by Bank of
Maharashtra (6.45%) and Bank of Baroda (6.94%), while this ratio was less
consistent in the case of Indian Bank (20.47%), followed by United Bank of
India (18.33%) and Indian Overseas Bank (15.63%).
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5.1.8 PRIORITY SECTOR ADVANCES TO TOTAL ADVANCES
OF PRIVATE SECTOR BANKS IN INDIA
Table 5.8 reveals that the extent of financial assistant given by Private
Sector Banks.
Nainital Bank witnessed the highest ratio (42.80%), followed by Tamilnad
Mercantile Bank (39.80%) and Ratnakar Bank (38.88%) during the year
1992, whereas in the year 2010, Nainital Bank witnessed highest ratio
(52.03%), followed by SBI Commercial & International Bank (50.19%) and
Tamilnad Mercantile Bank (43.48%). On the other hand, during the year
1992, the lowest ratio had been shown by Jammu & Kashmir Bank
(16.65%), followed by Dhanlaxmi Bank (16.72%) and Federal Bank (23.47%),
while during the year 2010, the ratio was minimum in the case of
Dhanlaxmi Bank (25.08%), followed by Ratnakar Bank (25.59%) and Axis
Bank (28.69%).
Bank-wise statistical analysis showed maximum average ratio for
Nainital Bank (50.64%), followed by Tamilnad Mercantile Bank (42.48%) and
Development Credit Bank (40.20%). However, minimum average ratio had
been exhibited by SBI Commercial & International Bank (16.97%), followed
by Axis Bank (19.30%) and HDFC Bank (20.34%). The ratio in terms of
dispersion was more consistent for Tamilnad Mercantile Bank (7.12%),
followed by City Union Bank (7.36%) and Karnataka Bank (8.68%), while
this ratio was less consistent in the case of SBI Commercial & International
Bank (90.55%), followed by Axis Bank (57.08%) and HDFC Bank (49.32%).
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5.1.9 TOTAL CREDIT AS PERCENTAGE OF TOTAL DEPOSITS
FOR PUBLIC SECTOR BANKS IN INDIA
The ratio is worked out to establish the relationship between total
credit and total deposits and indicate the management aggressiveness to
improve the income. Higher the ratio, better it would be. Table 5.9 shows the
percentage of total credit to total deposits in Public sector Banks over the
period covered under study. Table also reveals the standard deviation (S.D.)
and coefficient of variance (C.V.) for each public sector bank over the study
period and also for each year over the study period and also for each year
across 26 banks. They measure the degree of variability of the ratio.
State Bank of India had the highest ratio (73.67%) during the year
1992, followed by Indian Bank (72.26%) and UCO Bank (67.37%), whereas
during the year 2010 State Bank of India (78.58%) witnessed the highest
ratio, followed by State Bank of Indore (77.31%) and Syndicate Bank
(77.25%). On the other hand, Corporation Bank had shown the lowest ratio
during the year 1992, (43.07%), followed by Union Bank of India (46.32%)
and Dena Bank 48.94 per cent, while during the year 2010 United Bank of
India registered the lowest ratio (62.09%), followed by Bank of Maharashtra
(63.68%) and Central Bank of India (65.01%).
Bank-wise statistical analysis showed maximum average ratio for
Bank of India (62.87%), followed by State Bank of Indore (62.73%) and State
Bank of Travancore (62.02%). However, minimum average ratio had been
registered by United Bank of India (41.80%), followed by Central Bank of
India (48.89%) and Bank of Maharashtra (49.05%). Further, the ratio was
more consistent in terms of dispersion for State Bank of Patiala (13.05%),
followed by Bank of India (13.10%) and State Bank of Indore (13.60%). The
ratio was less consistent for United Bank of India (31.24%), followed by
Andhra Bank (23.24%) and Corporation Bank (22.97%).
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5.1.10 TOTAL CREDIT AS PERCENTAGE OF TOTAL
DEPOSITS OF PRIVATE SECTOR BANKS
Total credit of a bank shows that how much of total deposit is utilized for
advancing money to consumers. The table 5.10 presents the total credit to
total deposit ratio of all private sector banks from the period 1992 to 2010.
Jammu & Kashmir Bank witnessed the highest ratio (63.40%), followed
by Ratanakar Bank (58.42%) and City Union Bank 55.84 per cent during
the year 1992, whereas in the year 2010, highest ratio had been witnessed
by ICICI Bank (89.70%), followed by IndusInd Bank (76.94%) and HDFC
Bank (75.17%). On the other hand, during the year 1992,the lowest ratio
had been shown by Nainital Bank (42.55%), followed by Karur Vysya Bank
(43.85%) and Federal Bank (44.50%), while during the year 2010, the ratio
was minimum in the case of SBI Commercial & International Bank
(51.38%), followed by Nainital Bank (52.88%) and Bank of Rajasthan
(55.30%).
Bank-wise statistical analysis showed maximum average ratio for ICICI
Bank (77.40%), followed by IndusInd Bank (65.46%) and Development
Credit Bank (61.09%), while minimum average ratio had been registered for
Nainital Bank (35.88%), followed by Bank of Rajasthan (48.70%) and HDFC
Bank (52.43%). The ratio in terms of dispersion was more consistent for
Development Credit Bank (9.69%), followed by Dhanlaxmi Bank (10.72%)
and Karnataka Bank (11.74%). However, this ratio was less consistent in the
case of ICICI Bank (41.27%), followed by Nainital Bank (34.50%) and HDFC
Bank (30.37%).
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5.1.11 TERM DEPOSITS AS PERCENTAGE OF TOTAL
DEPOSITS OF PUBLIC SECTOR BANKS IN INDIA
Term deposits are the deposits for long period with higher rates of
interest as compared to saving deposits interest rates. These vary from bank
to bank and affect the profitability of the banks. This ratio is worked out to
find out the proportion of term deposits to total deposits. Lower the ratio,
better it would be. The ratio of term deposits as percentage of total deposits
for public sector banks for the period 1992-2010 has been presented in
Table 5.11. The table also reveals the standard deviation (S.D.) and
coefficient of variance (C.V.) for each public sector bank over the study
period and also for each year over the study period and also for each year
across 26 banks. They measure the degree of variability of the ratio.
Indian Bank had the highest ratio (74.21%) during the year 1992,
followed by Indian Overseas Bank (69.08%) and UCO Bank (68.66%),
whereas during the year 2010 Vijaya Bank witnessed the highest ratio
(75.38%), followed by UCO Bank (75.35%) and Oriental Bank of Commerce
(75.03%). On the other hand, Allahabad Bank exhibited the lowest ratio (-
50.24%) during the year 1992, followed by State Bank of Patiala (51.12%)
and Bank of Maharashtra (51.56%), while in the year 2010 State Bank of
India registered the minimum ratio (52.74%), followed by Punjab & Sind
Bank (59.15%) and State Bank of Bikaner and Jaipur (60.94%).
Bank-wise statistical analysis showed maximum average ratio for
Oriental Bank of Commerce (70.64%), followed by Indian Bank (70.01%) and
State Bank of Travancore (67.54%). However, minimum average ratio had
been administered by Punjab & Sind Bank (55.91%), followed by State Bank
of India (56.86%) and State Bank of Bikaner and Jaipur (57.97%). Further,
the ratio was more consistent in terms of dispersion for Bank of Baroda
(3.22%), followed by State Bank of India (3.52%) and Bank of India (3.52%).
The ratio was less consistent for State Bank of Patiala (13.51%), followed by
Punjab National Bank (10.74%) and State Bank of Indore (10.34%).
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5.1.12 TERM DEPOSITS AS PERCENTAGE OF TOTAL
DEPOSITS OF PRIVATE SECTOR BANKS IN INDIA
The ratio of term deposits as percentage of total deposits for private
sector banks for the period 1992-2010 has been presented in Table 5.12.
The table also reveals the standard deviation (S.D.) and coefficient of
variance (C.V.) for each private sector bank over the study period and also
for each year over the study period and also for each year across 19 banks.
Lower the ratio, better it would be.
Federal Bank had the highest ratio (66.18%) during the year 1992,
followed by Karur Vysya Bank (66.17%) and Karnataka Bank (64.73%),
while during the year 2010 SBI Commercial & International Bank witnessed
the highest ratio (84.58%), followed by Lakshami Vilas Bank (81.78%) and
Dhanlaxmi Bank (78.14%). On the other hand, Jammu & Kashmir Bank
exhibited the lowest ratio (44.31%) during the year 1992, followed by
Tamilnad Mercantile Bank (51.01%) and Nainital Bank (51.10%), whereas in
the year 2010 HDFC Bank registered the lowest ratio (47.97%), followed by
Axis Bank (53.27%) and Nainital Bank (57.60%).
Bank-wise statistical analysis showed maximum average ratio for SBI
Commercial & International Bank (90.69%), followed by IndusInd Bank
(87.02%) and Karur Vysya Bank (76.27%). However, minimum average ratio
had been registered by Nainital Bank (53.22%), followed by HDFC Bank
(55.43%) and Jammu & Kashmir Bank (59.78%). Further, the ratio was
more consistent in terms of dispersion for SBI Commercial & International
Bank (4.19%), followed by IndusInd Bank (4.76%) and Karur Vysya Bank
(5.03%). The ratio was less consistent in the case of HDFC Bank (23.42%),
followed by Axis Bank (18.95%) and Jammu & Kashmir Bank (13.93%).
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5.1.13 SAVING DEPOSITS AS PERCENTAGE OF TOTAL
DEPOSITS FOR PUBLIC SECTOR BANKS
Table 5.13 depicts the ratio of saving deposits as percentage to total
deposits for the public sector banks in India during 1992 – 2010. This ratio
has been calculated as proportion of saving deposits to total deposits.
Higher the ratio, better it would be.
In the year 1992 this ratio was highest in the case of Bank of
Maharashtra (36.52%), followed by Dena Bank (32.58%) and State Bank of
Patiala (31.84%), while in the year 2010 this ratio was highest in the case of
State Bank of India (32.02%), followed by State Bank of Bikaner and Jaipur
(31.39%) and Punjab & Sind Bank (31.34%). On the other hand, during the
year 1992 this ratio was lowest in the case of Indian Bank (14.97%),
followed by Bank of Baroda (16.73%) and Bank of India (16.95%), whereas
this ratio was lowest in the case of Corporation Bank (14.05%), followed by
Oriental Bank of Commerce (16.47%) and Vijaya Bank (17.31%) in the year
2010.
Bank-wise statistical analysis showed maximum average ratio for
Punjab & Sind Bank (31.95%), followed by Allahabad Bank (30.02%) and
United Bank of India (29.96%). However, minimum average ratio had been
recorded for Corporation Bank (15.60%), followed by Oriental Bank of
Commerce (19.05%) and State Bank of Hyderabad (19.38%). Maximum
variation in the ratio was witnessed by Indian Bank (22.30% C.V.), followed
by Punjab National Bank (19.05% C.V.) and State Bank of India (16.77%
C.V.), while minimum variation was found in the case of State Bank of
Hyderabad (4.34%), followed by Canara Bank (5.31%) and Union Bank of
India (6.33%).
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5.1.14 SAVING DEPOSITS AS PERCENTAGE OF TOTAL
DEPOSITS OF PRIVATE SECTOR BANKS
Table 5.14 depicts the ratio of spread as percentage to total assets for
the private sector banks in India during 1992 – 2010. This ratio has been
calculated as proportion of saving deposits to total deposits. Higher the
ratio, better it would be.
In the year 1992 this ratio was highest in the case of Nainital Bank
(39.40%), followed by Jammu & Kashmir Bank (29.21%) and Dhanlaxmi
Bank (26.76%), whereas in the year 2010 this ratio was highest in the case
of Nainital Bank (36.34%), followed by HDFC Bank (29.79%) and Jammu &
Kashmir Bank (27.56%). On the other hand, during the year 1992 this ratio
was lowest in the case of Karur Vysya Bank (12.42%), followed by Lakshami
Vilas Bank (16.28%) and Tamilnad Mercantile Bank (18.40%), while during
the year 2010 this ratio was lowest in the case of IndusInd Bank (7.12%),
followed by City Union Bank (11.19%) and Lakshami Vilas Bank (11.29%).
Bank-wise statistical analysis showed maximum average ratio for
Nainital Bank (37.81%), followed by Jammu & Kashmir Bank (22.75%) and
Bank of Rajasthan (19.57%). However, minimum average ratio had been
registered for IndusInd Bank (3.18%), followed by SBI Commercial &
International Bank (4.86%) and ICICI Bank (9.87%). Maximum variation in
the ratio was witnessed by Axis Bank (79.80% C.V.), followed by ICICI Bank
(68.05% C.V.) and SBI Commercial & International Bank (66.70% C.V.).
Minimum variation in the ratio was recorded for Nainital Bank (6.78%),
followed by Bank of Rajasthan (12.20%) and Lakshami Vilas Bank (13.67%).
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5.1.15 DEMAND DEPOSITS AS PERCENTAGE OF TOTAL
DEPOSITS OF PUBLIC SECTOR BANKS
This ratio is worked out to find out the proportion of demand deposits
to total deposits. Higher the ratio, better it would be. Table 5.15 presents the
ratio of demand deposits as percentage to total deposits for the public sector
banks during 1992-2010. The table also reveals the standard deviation
(S.D.) and coefficient of variance (C.V.) for each public sector bank over the
study period and also for each year over the study period and also for each
year across 26 banks. They measure the degree of variability of the ratio.
The ratio was maximum in the case of State Bank of India (28.19%),
followed by Corporation Bank (25.36%) and Allahabad Bank (22.28%) in the
year 1992, whereas in the year 2010 the ratio was maximum in the case of
State Bank of India (15.24%), followed by Corporation Bank (14.51%) and
Bank of Maharashtra (9.79%). On the other hand, during the year 1992
State Bank of Tarvancore exhibited the lowest ratio (9.82%), followed by
Syndicate Bank (10.80%) and Indian Bank (10.81%), while during the year
2010 this ratio was minimum for State Bank of Travancore (4.71%), followed
by State Bank of Patiala (6.31%) and Punjab National Bank (6.42%).
Bank-wise analysis showed the lowest average ratio for State Bank of
Travancore (8.64%), followed by Indian Bank (8.90%) and Punjab National
Bank (9.13%). However, maximum average ratio for State Bank of India
(19.49%), followed by Corporation Bank (17.46%) and State Bank of
Hyderabad (17.43%). Maximum variation (C.V.) and least consistency in the
ratio was found for State Bank of Patiala (39.48%), followed by Allahabad
Bank (35.48%) and Canara Bank (33.05%). On the other hand, minimum
variation and maximum consistency was observed for United Bank of India
(15.05%), followed by Syndicate Bank (15.09%) and Bank of Maharashtra
(16.14%).
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5.1.16 DEMAND DEPOSITS AS PERCENTAGE OF TOTAL
DEPOSITS OF PRIVATE SECTOR BANKS
Table 5.16 presents the ratio of demand deposits as percentage to
total deposits for the private sector banks during 1992-2010. The table also
reveals the standard deviation (S.D.) and coefficient of variance (C.V.) for
each private sector bank over the study period and also for each year over
the study period and also for each year across 19 banks. They measure the
degree of variability of the ratio.
The ratio was maximum in the case of Tamilnad Bank (30.59%),
followed by Lakshami Vilas Bank (29.73%) and Jammu & Kashmir Bank
26.48 per cent in the year 1992, whereas in the year 2010 the ratio was
maximum in the case of Axis Bank (22.77%), followed by HDFC Bank
(22.24%) and Ratnakar Bank (17.50%). On the other hand, during the year
1992 Dhanlaxmi Bank registered lowest ratio (9.47%), followed by Nainital
Bank (9.50%) and Karnataka Bank (10.73%), while during the year 2010
this ratio was minimum for SBI Commercial & International Bank (2.37%),
followed by Catholic Syrian Bank (4.19%) and South Indian Bank (4.57%).
Bank-wise analysis showed the lowest average ratio for SBI
Commercial & International Bank (4.44%), followed by South Indian Bank
(6.37%) and Federal Bank (7.52%), while maximum average ratio had been
registered for HDFC Bank (26.41%), followed by Tamilnad Mercantile Bank
(18.54%) and Jammu & Kashmir Bank (17.47%). Maximum variation (C.V.)
and least consistency in the ratio was found for ICICI Bank (63.15%),
followed by SBI Commercial & International Bank (50.93%) and Federal
Bank (44.48%) respectively. On the other hand, minimum variation and
maximum consistency was observed for Dhanlakhami Bank (17.40%),
followed by Nainital Bank (17.47%) and Karur Vysya Bank (22.79%).
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5.1.17 ESTABLISHMENT EXPENSES AS PERCENTAGE OF
TOTAL ASSETS OF PUBLIC SECTOR BANKS
Wage bills are also known as establishment expenses for banks and it
includes salary, pension, gratuity and other allowances or expenses
pertaining to staff. It is a function of two factors, number of employees and
scale of their emoluments. This ratio is worked out to establish the
relationship between establishment expenses as a percentage to total assets.
Lower the ratio, better it would be. The table 5.17 presents the ratio of
establishment expenses as percentage of total assets of public sector banks
during 1992-2010. The table also reveals the standard deviation (S.D.) and
coefficient of variance (C.V.) for each public sector bank over the study
period and also for each year over the study period and also for each year
across 26 banks. They measure the degree of variability of the ratio.
During the year 1992, Bank of Baroda had the lowest ratio (1.44%),
followed by Indian Bank (1.47%) and Bank of India (1.48%), while during the
year 2010, this ratio was minimum for Corporation Bank (0.57%), followed
by State Bank of Patiala (0.66%) and State Bank of Hyderabad (0.68%). On
the other hand, the ratio was maximum in the case of Syndicate Bank
(2.80%), followed by State Bank of Bikaner and Jaipur (2.64%) and Vijaya
Bank (2.62%) in the year 1992, whereas in the year 2010 the ratio was
maximum in the case of Indian Overseas Bank (1.32%), followed by State
Bank of India (1.21%) and Indian Bank (1.20%).
Bank-wise analysis showed the lowest average ratio for Oriental Bank
of Commerce (1.05%), followed by Corporation Bank (1.08%) and State Bank
of Patiala (1.35%). However, maximum average ratio had been registered by
Syndicate Bank (2.15%), followed by State Bank of Mysore (2.11%) and
Punjab National Bank (2.03%). Maximum variation (C.V.) and least
consistency in the ratio was found in the case of State Bank of Indore
(38.96%), followed by Bank of Maharashtra (35.98%) and Vijaya Bank
(35.08%). On the other hand, minimum variation and maximum consistency
was observed for Bank of Baroda (16.97%), followed by Indian Bank
(20.76%) and State Bank of India (21.25%) respectively.
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5.1.18 ESTABLISHMENT EXPENSES AS PERCENTAGE OF
TOTAL ASSETS OF PRIVATE SECTOR BANKS
Table 5.18 presents the ratio of establishment expenses as percentage
of total assets of private sector banks during 1992-2010. The table also
reveals the standard deviation (S.D.) and coefficient of variance (C.V.) for
each private sector bank over the study period and also for each year over
the study period and also for each year across 19 banks. They measure the
degree of variability of the ratio.
During the year 1992, Dhanlaxmi Bank had the lowest ratio (9.47%),
followed by Nainital Bank (9.50%) and Karnataka Bank (10.73%), whereas
during the year 2010, this ratio was minimum for ICICI Bank (0.53%),
followed by City Union Bank (0.69%) and Axis Bank (0.70%). On the other
hand, the ratio was maximum in the case of Tamilnad Bank (30.59%),
followed by Lakshami Vilas Bank (29.73%) and Jammu & Kashmir Bank
(26.48%) in the year 1992, while in the year 2010 the ratio was maximum in
the case of Bank of Rajasthan (2.21%), followed by Catholic Syrian Bank
(1.52%) and Development Credit Bank (1.43%).
Bank-wise analysis showed the lowest average ratio for IndusInd Bank
(0.32%), followed by ICICI Bank (0.39%) and Axis Bank (0.41%). However,
maximum average ratio had been observed for Catholic Syrian Bank
(1.99%), followed by Nainital Bank (1.95%) and Ratnakar Bank (1.81%).
Maximum variation (C.V.) and least consistency in the ratio was found for
IndusInd Bank (67.59%), followed by HDFC Bank (46.96%) and Dhanlaxmi
Bank (39.84%) respectively. On the other hand, minimum variation and
maximum consistency was observed for Catholic Syrian Bank (12.78%),
followed by Tamilnad Mercantile Bank (14.91%) and Bank of Rajasthan
(20.76%).
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5.1.19 TOTAL CREDIT AS PERCENTAGE OF TOTAL ASSETS
OF PUBLIC SECTOR BANKS
Table 5.19 reveals that the total credit as percentage of total assets of
public sector banks.
Indian Bank witnessed the highest ratio (58.59%), followed by Indian
Overseas Bank (54.91%) and UCO Bank (54.57%) during the year 1992,
whereas during the year the year 2010, highest ratio had been witnessed by
State Bank of Indore (66.94%), followed by State Bank of Mysore (65.04%)
and Syndicate bank (65.02%). On the other hand, the lowest ratio had been
registered by Corporation Bank (37.89%), followed by Dena Bank (40.80%)
and Union Bank of India (41.81%) in the year 1992, while during the year
2010, the ratio was minimum in the case of United Bank of India (54.97%),
followed by Corporation Bank (56.60%) and Bank of Maharashtra (56.74%).
Bank-wise statistical analysis showed maximum average ratio for Bank of
India (52.78%), followed by State Bank of Indore (50.86%) and State Bank of
Travancore (50.82%). However, minimum average ratio had been registered
for United Bank of India (35.83%), followed by Bank of Maharashtra
(41.90%) and Central Bank of India (43.13%). The ratio in terms of
dispersion was more consistent for Bank of India (13.28%), followed by Bank
of Baroda (14.55%) and State Bank of Patiala (15.34%), the ratio was less
consistent in the case of United Bank of India (32.93%), followed by UCO
Bank (26.74%) and Bank of Maharashtra (23.90%).
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5.1.20 TOTAL CREDIT AS PERCENTAGE OF TOTAL ASSETS
FOR PRIVATE SECTOR BANKS
Table 5.20 shows the percentage of total credit as percentage of total
deposits in private sector Banks over the period covered under study. The
table also reveals the standard deviation (S.D.) and coefficient of variance
(C.V.) for each private sector bank over the study period and also for each
year over the study period and also for each year across 19 banks.
Jammu & Kashmir Bank had the highest ratio (51.81%) during the
year 1992, followed by City Union Bank (47.22%) and South Indian Bank
(47.16%), whereas during the year 2010 South Indian Bank (61.97%)
witnessed the highest ratio, followed by Dhanlaxmi Bank (61.91%) and
Federal Bank (61.71%). On the other hand, Karur Vysya Bank exhibited the
lowest ratio (37.94%) during the year 1992, followed by Lakshami Vilas
Bank (37.95%), and Nainital Bank (38.55%), while during the year 2010 SBI
Commercial & International Bank recorded lowest ratio (31.96%), followed
by Nainital Bank (44.78%) and Bank of Rajasthan (48.15%).
Bank-wise statistical analysis showed maximum average ratio for
IndusInd Bank (52.97%), followed by Federal Bank (52.49%) and City Union
Bank (52.32%) respectively. However, minimum average ratio had been
registered by Nainital Bank (32.16%), followed by HDFC Bank (38.03%) and
State Bank of India (40.97%). Further, the ratio was more consistent in
terms of dispersion for IndusInd Bank (8.82%), followed by Development
Credit Bank (9.32%) and Ratnakar Bank (9.68%). The ratio was less
consistent for HDFC Bank (35.51%), followed by Nainital Bank (31.89%) and
ICICI Bank (24.11%) respectively.
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5.1.21 OTHER INCOME AS PERCENTAGE OF TOTAL INCOME
OF PUBLIC SECTOR BANKS
Non-interest income of banks represents income earned by way of
commission, brokerage, service charges and other miscellaneous receipts
and over the period of study nearly 10 to 17 per cent of the total earnings of
public sector banks. Thus bank’s non-interest income is very notional and
inadequate to meet non-interest expenses. Efforts should be made to closely
monitor the ratio non-interest income as percentage of total income, so that
the burden can be reduced and bank profitability can be increased. The
table 5.21 shows the ratio of non-interest income as percentage of total
income.
The ratio was highest for Corporation Bank (13.41%) in the year 1992,
followed by State Bank of India (12.77%) and Indian Overseas Bank
(12.76%), while during the year 2010, the ratio was maximum in the case of
Corporation Bank (17.61%), followed by State Bank of India (17.41%) and
Allahabad Bank (15.34%). On the other hand, during the year 1992, the
ratio was lowest in the case of Punjab & Sind Bank (4.67%), followed by
Oriental bank of Commerce (5.91%) and State Bank of Patiala (7.10%), while
during the year 2010, the ratio was minimum in the case of UCO Bank
(9.21%), followed by Punjab National Bank (9.48%) and United Bank of India
(9.62%).
Bank-wise statistical analysis revealed maximum average ratio for State
Bank of Mysore (16.05%), followed by State Bank of Bikaner and Jaipur
(15.63%) and State Bank of Indore (15.61%). However, minimum average
ratio had been recorded for Oriental Bank of Commerce (10.09%), followed
by Bank of Maharashtra (10.22%) and Union Bank of India (10.28%).
The ratio was more consistent and least variation was found in the case
of State Bank of India (14.12%), followed by Corporation Bank (16.87%) and
State Bank of Hyderabad (19.40%). The ratio was less consistent and more
variable for State Bank of Patiala (36.29%), followed by United Bank of India
(36.08%) and Dena Bank (35.11%).
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5.1.22 OTHER INCOME AS PERCENTAGE OF TOTAL INCOME
OF PRIVATE SECTOR BANKS
The ratio refers to how much other income or fee based income from
non fund based activities a bank can earn for each rupee spent on total
assets. The higher the ratio the better it is for the bank. This also denotes a
bank’s capabilities to work on low spread. Here non interest means
commission, exchange and brokerage. Efforts should be made to closely
monitor the ratio of non interest income as percentage of total assets, so
that the burden can be reduced and bank profitability can be increased.
Over the period of study nearly 8 to 22 per cent of the total earnings of
private sector banks is from other income i.e. commission, exchange and
brokerage. The table 5.22 shows the ratio of non-interest income as
percentage of total income.
The ratio was highest for Tamilnad Mercantile Bank (17.28%) in the year
1992, followed by Lakshami Vilas Bank (15.29%) and Karur Vysya Bank
(13.29%), while during the year 2010, the ratio was maximum in the case of
Axis Bank (25.32%), followed by ICICI Bank (22.53%) and HDFC Bank
(19.76%). On the other hand, the ratio was lowest in the case of Jammu &
Kashmir Bank (2.94%), followed by Ratnakar Bank (3.72%) and Nainital
Bank (5.46%) in the year 1992, while during the year 2010, the ratio was
minimum in the case of Nainital Bank (6.81%), followed by SBI Commercial
& International Bank (8.40%) and Bank of Rajasthan (8.73%).
Bank-wise statistical analysis revealed maximum average ratio for ICICI
Bank (21.58%), followed by SBI Commercial & International Bank (18.32%)
and Development Credit Bank (18.24%), while minimum average ratio had
been registered for Nainital Bank (6.45%), followed by Jammu & Kashmir
Bank (8.54%) and Ratnakar Bank (10.11%).
The ratio was more consistent and least variation was found in the case
of HDFC Bank (17.75%), followed by City Union Bank (18.25%) and
Tamilnad Mercantile Bank (20.65%). The ratio was less consistent and more
variable for Ratnakar Bank (65.07%), followed by Nainital Bank (49.07%)
and Jammu & Kashmir Bank (40.78%).
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5.1.23 CAPITAL AS PERCENTAGE OF TOTAL ASSETS OF
PUBLIC SECTOR BANKS
This ratio is worked out to establish the relationship between capital
as a percentage to total assets. The table 5.23 presents the ratio of capital as
percentage of total assets of public sector banks during 1992-2010. The
table also reveals the standard deviation (S.D.) and coefficient of variance
(C.V.) for each public sector bank over the study period and also for each
year over the study period and also for each year across 26 banks.
During the year 1992, United Bank of India witnessed the highest
ratio (5.62%), followed by UCO Bank (4.22%) and Indian Overseas Bank
(3.94%), whereas during the year 2010, this ratio was maximum for Vijaya
Bank (1.33%), followed by UCO Bank (1.24%) and United Bank of India
(1.13%). On the other hand, the ratio was lowest in the case of State Bank of
India (0.21%), followed by State Bank of Hyderabad (0.43%) and State Bank
of Mysore (0.50%) in the year 1992, while in the year 2010 the ratio was
minimum in the case of State Bank of Hyderabad (0.02%), followed by State
Bank of Indore (0.05%) and State Bank of India (0.06%).
Bank-wise analysis showed the lowest average ratio for State Bank of
Hyderabad (0.14%), followed by State Bank of India (0.20%) and State Bank
of Indore (0.26%). However, maximum average ratio had been registered for
United Bank of India (7.31%), followed by Indian Bank (6.08%) and UCO
Bank (5.67%). Maximum variation (C.V.) and least consistency in the ratio
was found for Bank of India (110.69%), followed by Indian Overseas Bank
(107.82%) and Syndicate Bank (103.65%). On the other hand, minimum
variation and maximum consistency was observed for United Bank of India
(48.91%), followed by State Bank of Bikaner and Jaipur (50.87%) and State
Bank of Travancore (51.68%).
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5.1.24 CAPITAL AS PERCENTAGE OF TOTAL ASSETS OF
PRIVATE SECTOR BANKS IN INDIA
Table 5.24 presents the ratio of capital as percentage of total assets of
private sector banks during 1992-2010. Table also reveals the standard
deviation (S.D.) and coefficient of variance (C.V.) for each private sector bank
over the study period and also for each year over the study period and also
for each year across 19 banks. They measure the degree of variability of the
ratio.
During the year 1992, Tamilnad Mercantile Bank witnessed the lowest
ratio (0.06%), followed by Bank of Rajasthan (0.20%) and Jammu & Kashmir
Bank (0.24%), whereas during the year 2010 this ratio was lowest in the
case of Tamilnad Mercantile Bank (0.01%), followed by Jammu & Kashmir
Bank (0.11%) and HDFC Bank (0.21%). On the other hand, the ratio was
maximum in the case of Nainital Bank (0.76%), followed by City Union Bank
(0.66%) and Dhanlaxmi Bank (0.62%) in the year 1992, while in the year
2010 the ratio was maximum in the case of SBI Commercial & International
Bank (15.58%), followed by Ratnakar Bank (5.02%) and Development Credit
Bank (3.26%).
Bank-wise analysis showed the lowest average ratio for Tamilnad
Mercantile Bank (0.01%), followed by Karur Vysya Bank (0.26%) and
Jammu & Kashmir Bank (0.28%). However, maximum average ratio had
been registered for SBI Commercial & International Bank (16.84%), followed
by HDFC Bank (3.79%) and ICICI Bank (3.72%). Maximum variation (C.V.)
and least consistency in the ratio was found for ICICI Bank (167.56%),
followed by Axis Bank (158.39%) and HDFC Bank (147.30%). On the other
hand, minimum variation and maximum consistency was observed for SBI
Commercial & International Bank (17.17%), followed by South Indian Bank
(27.09%) and Federal Bank (30.20%).
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5.1.25 BORROWINGS AS PERCENTAGE OF TOTAL
LIABILITIES OF PUBLIC SECTOR BANKS
Table 5.25 shows the ratio of borrowings as percentage of total liabilities
of public sector banks in India.
The ratio was highest for Indian Bank (9.70%) in 1992, followed by State
Bank of India (9.21%) and State Bank of Indore (6.75%), whereas during the
year 2010 the ratio was maximum in the case of State Bank of India
(9.78%), followed by Syndicate Bank (8.75%) and Bank of India (8.15%). On
the other hand, the ratio was lowest in the case of Dena Bank (1.71%),
followed by Central bank of India (1.83%) and Union Bank of India (1.93%)
in the year 1992, while during the year 2010 the ratio was minimum in the
case of Indian Bank (0.94%), followed by United Bank of India (1.19%) and
Dena Bank (2.71%). Bank-wise statistical analysis revealed maximum
average ratio for State Bank of India (5.87%), followed by Bank of India
(4.67%) and State Bank of Mysore (4.10%). However, minimum average ratio
had been registered for Central Bank of India (0.99%), followed by Allahabad
Bank (1.30%) and United Bank of India (1.44%).
The ratio was more consistent and least variation was found in the case
of Bank of India (30.72%), followed by State Bank of India (45.89%) and
State Bank of Mysore (47.67%). The ratio was less consistent and more
variable for Syndicate Bank (125.94%), followed by Indian Bank (108.98%)
and Punjab National Bank (108.48%).
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5.1.26 BORROWINGS AS PERCENTAGE OF TOTAL
LIABILITIES OF PRIVATE SECTOR BANKS
Table 5.26 shows the ratio of borrowings as percentage of total liabilities
of private sector banks in India.
The ratio was highest for Ratnakar Bank (8.91%) in the year 1992,
followed by Karnataka Bank (8.19%) and Lakshami Vilas Bank (7.25%),
whereas during the year 2010 the ratio was maximum in the case of ICICI
Bank (24.94%), followed by IndusInd Bank (13.95%) and Axis Bank (9.50%).
On the other hand, the ratio was lowest in the case of Jammu & Kashmir
Bank (0.82%), followed by Bank of Rajasthan (1.10%) and Nainital Bank
1.45 per cent in the year 1992, while during the year 2010 the ratio was
minimum in the case of SBI Commercial & International Bank (0.01%) and
Bank of Rajasthan (0.02%), Ratnakar Bank (0.18%) and Nainital Bank
(0.29%). Bank-wise statistical analysis revealed maximum average ratio had
been registered for ICICI Bank (16.51%), followed Axis Bank (7.26%) and
IndusInd Bank (6.34%). However, minimum average ratio had been
registered for Nainital Bank (0.39%), followed by Bank of Rajasthan (1.22%)
and Jammu & Kashmir Bank (1.41%).
The ratio was more consistent and least variation was found in the case
of Federal Bank (49.60%), followed by HDFC Bank (52.68%) and Axis Bank
(54.90%), while the ratio was less consistent and more variable for Ratnakar
Bank (119.66%), followed by City Union Bank (118.85%) and Nainital Bank
(116.65%).
5.2 CORRELATION STUDY
Correlation analysis involves measuring the magnitude and direction of
the relationship between two or more variables. Interdependence among
variables is a common characteristic of most multivariate techniques, and
correlation matrix is a table used to display correlation coefficients between
these variables. The study aimed at identifying the most important variables
or variables (independent) which have higher significant association (partial
correlation) with the dependent variable. The secondary objective is to spot
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the presence of multicollinearity (if any) between the independent variables
(X1 to X12).
The degree of association, i.e., strength and direction of partial
correlation coefficients, between the selected variables (X1 to X12), and bank
profitability (Y1) is studied for public and private sector banks over the
period 1992-2010. The correlation matrices are given in tables:
5.2.1 CORRELATION ANALYSIS FOR PUBLIC SECTOR BANKS
The correlation coefficient matrices for public sector banks of the selected
variables (X1 to X12) with the dependent variable, i.e., net profit as
percentage of total assets (Y1) for the period 1992-2010 have been given in
Table 5.27. It has been observed from the table that five variables, namely,
spread as percentage of total assets (X1), priority sector advances as
percentage of total advances (X3), total credit as percentage of total deposits
(X4), total credit as percentage of total assets (X9) and other income as
percentage of total income (X11) have significant positive correlation with
bank profitability and the coefficients are 0.532, 0.147, 0.301, 0.312 and
0.290 respectively. Other three variables, namely, burden as percentage of
total assets (X2), establishment expenditure as percentage of total assets
(X8) and capital as percentage of total assets (X11) have significant but
negative correlation with the profitability with coefficients of –0.490, -0.363
and -0.433 respectively. Few of the twelve independent variables are also
significantly correlated with each other. Spread as percentage of total assets
(X1) has positive significant correlation with 6 other variables namely, X3,
X6, X7, X8 and X10. Similarly, burden as percentage to total assets (X2) has
positively correlated with four variables, namely, X6, X7, X8 and X11
respectively. Thus, over the period of study, spread as percentage of total
assets continues to have significant and positive relationship with bank
profitability and burden as percentage of total assets (X2) continues to have
significant but negative association with bank profitability (Y1) for the
twenty six public sector banks under study. Moreover, it can be concluded
that although the variables are significantly associated with each other,
none of the coefficients is so high as to evidence the presence of multi
collinearity during 1992-2010.
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5.2.2 CORRELATION ANALYSIS FOR PRIVATE SECTOR
BANKS
The correlation coefficient matrices for private sector banks of the
selected variables (X1 to X12) with the dependent variable, i.e., net profit as
percentage of total assets (Y1) for the period 1992-2010 have been given in
Table 5.28. It has been observed from the table that Table 5.28 that three
variables, namely, spread as percentage of total assets (X1), demand
deposits as percentage of total deposits (X7), and other income as
percentage of total income (X10) have significant positive correlation with
bank profitability and the coefficients are 0.263, 0.160 and 0.182
respectively. Other three variables, namely, burden as percentage of total
assets (X2), Saving deposits as percentage of fixed deposits (X6), and
establishment expenditure as percentage of total assets (X8) have significant
but negative correlation with the profitability with coefficients of –0.356, -
0.116, and -0.235 respectively. Few independent variables are also
significantly correlated with each other during 1992-2010. Spread as
percentage of total assets (X1) has significant correlation with five other
variables namely X2, X3, X6, X7 and X8. Similarly Burden as percentage to
total assets (X2) has positively correlated with four variables namely X3, X6
and X8 respectively. Thus, over the period of study, spread as percentage of
total assets continues to have significant and positive relationship with bank
profitability and burden as percentage of total assets (X2) continues to have
significant but negative association with bank profitability (Y1) for the public
sector banks under study. Moreover, it can be concluded that although the
variables are significantly associated with each other, none of the
coefficients is so high as to evidence the presence of multi collinearity during
1992-2010.
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5.3 MULTIPLE REGRESSION STUDY
Multiple regression analysis is studied to look for different combinations
of variables that explain the variations in profitability for the public and
private sector banks in India. The analysis was performed with the help of
statistical software, SPSS version-17.0.
5.3.1 STEP WISE MULTIPLE REGRESSION ANALYSIS OF
PUBLIC SECTOR BANKS (1992-2010)
The results of step wise multiple regression analysis for the twenty six
public sector banks, for the period 1992-2010 has been given in Table 5.29.
The analysis revealed that spread as percentage of total assets (X1) entered
the regression model in first step, singularly explaining 28.2 per cent
variation in bank profitability with significant regression coefficient of 0.930.
In the second step, burden as percentage of total assets (X2) entered the
analysis and together with X1 explained 58.9 per cent variation in bank
profitability. In the third step, other income as percentage to total income
X10 was found to be significantly affecting profitability and the three
variables (X1, X2 and X10) collectively explained 62 per cent of variation in
bank profitability. Next, demand deposits as percentage of total deposits (X7)
and priority sector advances as percentage of total advances (X3) become
significant variable and entered the regression model in fourth and fifth step
with regression coefficients of -0.041 and -0.016 respectively. After the fifth
step, no other variable was found to significantly affect the profitability of
public sector banks.
The multivariate analysis of public sector banks for the study period
concludes:
Y1 = 0.283 + 1.249(X1) - 1.161(X2) - 0.068(X10) - 0.045(X7) - 0.016(X3) + .
This regression model explained 63.8 per cent variation in profitability of
public sector banks. Thus, while X1 has positive significant effect on banks’
profitability, X2, X10, X7 and X3 have significant negative relationship with
profitability. The regression coefficients (β) explained that one unit increase
in spread as percentage of total assets will increase the net profit as
percentage of total assets 1.249 units keeping other variables constant at
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5% level of significance. The regression coefficients (β) explained that one
unit decrease in burden as percentage of total assets will increase the net
profit as percentage of total assets 1.161 units keeping other variables
constant at 5% level of significance. The regression coefficients (β) explained
that one unit decrease in other income as percentage of total income will
increase the net profit as percentage of total assets 0.068 units keeping
other variables constant at 5% level of significance. The regression
coefficients (β) explained that one unit decrease in demand deposits as
percentage of total deposits will increase the net profit as percentage of total
assets 0.045 units keeping other variables constant at 5% level of
significance. The regression coefficients (β) explained that one unit decrease
in priority sector advances as percentage of total advances will increase the
net profit as percentage of total assets 0.016 units keeping other variables
constant at 5% level of significance.
5.3.2 STEP WISE MULTIPLE REGRESSION ANALYSIS OF
PRIVATE SECTOR BANKS (1992-2010)
The results of step wise multiple regression analysis for private sector
banks, for the period 1992-2010 has been presented in Table 5.30. The
analysis revealed that burden as percentage of total assets X2 (regression
coefficient -0.311) entered the regression model in first step, singularly
explaining 12 per cent variation in bank profitability. In the second step,
spread as percentage of total assets (X1) entered the regression model, with
this the value of adjusted R Square sharply increases to 39.7 per cent. In
the third step, priority sector advances as percentage to total advances (X3)
was found to be significantly affecting profitability and the three variables
(X2, X1 and X3) collectively explained 40.6 per cent of variation in bank
profitability. Next, other income as percentage of total income (X10) and
borrowings as percentage of total liabilities (X12) became significant variable
and entered the regression model in fourth and fifth step with regression
coefficients of -0.022 and 0.018 respectively. After the fifth step, no other
variable was found to significantly affect the profitability of private sector
banks.
195
196
The multivariate analysis of private sector banks for the study period
concludes:
Y1 = - 0.214- 0.721(X2)+0.585(X1)+0.011(X3) - 0.027(X10) + 0.018(X12) + .
This regression model explained 42.2 per cent variation in profitability of
private sector banks. Thus, while X1, X12, X11 and X3 have positive
significant effect on banks’ profitability, X2 and X10 have significant
negative relationship with profitability. The regression coefficients (β)
explained that one unit decrease in burden as percentage of total assets will
increase the net profit as percentage of total assets 0.721 units keeping
other variables constant at 5% level of significance. The regression
coefficients (β) explained that one unit increase in spread as percentage of
total assets will increase the net profit as percentage of total assets 0.585
units keeping other variables constant at 5% level of significance. The
regression coefficients (β) explained that one unit increase in priority sector
advances as percentage of total advances will increase the net profit as
percentage of total assets 0.011 units keeping other variables constant at
5% level of significance. The regression coefficients (β) explained that one
unit decrease in other income as percentage of total income will increase the
net profit as percentage of total assets 0.027 units keeping other variables
constant at 5% level of significance. The regression coefficients (β) explained
that one unit increase in borrowings as percentage of total liabilities will
increase the net profit as percentage of total assets 0.018 units keeping
other variables constant at 5% level of significance.
CONCLUSION
From the above discussion it can be concluded that 63.8 percent variation
in profitability of Public Sector Banks has been defined by the 12 selected
variables while in the case of Private Sector banks 60.4 percent profitability
is affected by the same variables. In the case of public sector banks, Spread
as percentage to total assets (X1) has positive significant effect on banks’
profitability while Burden as Percentage of Total Assets (X2), Other Income
as Percentage of Total Income (X10), Demand Deposits as Percentage of
Total Deposits (X7) and Priority Sector Advances to Total Advances (X3) have
197
significant negative relationship with profitability. While in the case of
private sector banks, Spread as percentage to total assets (X1), Borrowings
as Percentage of Total Liabilities (X12) and Priority Sector Advances to Total
Advances (X3) have positive significant effect on banks’ profitability, Burden
as Percentage of Total Assets (X2) and Other Income as Percentage of Total
Income (X10) have significant negative relationship with banks’ profitability.
198
REFERENCES
Chopra, K. (1987), “Managing Profits, Profitability and Productivity in
Public Sector” A Doctoral Thesis submitted to Punjabi University,
Patiala.
Debasish, S. S.; and Mishra, B. (2005 a), Indian Banking System
(Development Performance and Services), Mahamaya Publishing
House, New Delhi.
Kaushik, S. (1995), “Social Objectives and Profitability of Indian Banks”, A
Doctoral Thesis submitted to Panjab University, Chandigarh.
Kumar, S. (2004), “Impact of Liberlization on Productivity and Profitability
of Public Sector Banks in India”, A Doctoral Thesis submitted to Panjab
University, Chandigarh.
Nayan, K. (1985), Commercial Banks in India: Performance Evaluation,
Deep & Deep Publications Pvt. Ltd., New Delhi.
Nayar, N. (1992), “Profitability and Profit Planning in Commercial banks”, A
Doctoral Thesis submitted to Punjabi University, Patiala.
TABLE 5.1.1 NET PROFIT AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 MEAN S.D.
SBI 0.18 0.21 0.25 0.59 0.58 0.86 1.04 0.46 0.78 0.51 0.70 0.83 0.90 0.94 0.89 0.80 0.93 0.95 0.87 0.70 0.27SBBJ 0.30 0.29 0.15 0.16 0.39 0.50 1.06 0.90 0.97 0.76 1.06 1.13 1.49 0.88 0.53 0.89 0.77 0.87 0.84 0.73 0.36SBH 0.32 0.35 0.38 0.62 0.61 0.56 0.91 0.85 0.82 0.82 1.02 1.15 1.24 0.72 1.05 1.03 0.90 0.80 0.93 0.79 0.27SBID 0.19 0.17 0.17 0.34 0.39 0.49 0.68 0.63 0.72 0.78 1.24 1.76 1.73 0.79 0.67 0.77 0.80 0.84 0.87 0.74 0.45SBM 0.16 0.15 0.07 0.07 0.54 0.74 0.86 0.49 0.58 0.27 0.64 1.02 1.28 1.25 1.12 0.93 0.96 0.83 0.98 0.68 0.40SBP 0.79 0.41 0.52 0.50 0.63 0.68 1.48 0.93 1.06 1.12 1.34 1.51 1.60 0.91 0.74 0.77 0.70 0.76 0.72 0.90 0.36SBT 0.15 0.21 0.19 0.35 0.39 0.52 0.69 0.40 0.53 0.67 0.73 0.90 1.02 0.86 0.81 0.86 0.88 1.23 1.15 0.66 0.32ALLH 0.36 -1.19 -3.80 -0.71 0.05 0.49 0.85 0.77 0.35 0.18 0.32 0.59 1.34 1.20 1.28 1.11 1.18 0.79 0.99 0.32 1.20ANDH 0.19 -2.98 -2.86 -0.69 0.16 0.43 0.82 0.78 0.76 0.59 0.97 1.63 1.72 1.59 1.19 1.13 1.02 0.95 1.16 0.45 1.32BOB 0.45 0.03 0.25 0.56 0.59 0.73 1.00 0.81 0.86 0.43 0.77 1.01 1.14 0.70 0.73 0.72 0.80 0.98 1.10 0.72 0.29BOI 0.24 -1.43 -4.27 0.17 0.83 0.95 0.79 0.37 0.31 0.42 0.73 1.11 1.19 0.36 0.62 0.79 1.12 1.33 0.63 0.33 1.26
BOMH 0.10 -4.19 -5.30 -0.59 0.16 0.54 0.53 0.43 0.59 0.24 0.68 0.89 0.95 0.54 0.16 0.70 0.68 0.64 0.62 -0.09 1.69CAN 0.95 0.13 0.52 0.77 0.81 0.41 0.47 0.47 0.43 0.43 1.03 1.24 1.34 1.01 1.01 0.86 0.87 0.94 1.14 0.78 0.33CBOI 0.21 -2.48 -3.92 -0.41 -0.32 0.57 0.57 0.41 0.36 0.10 0.31 0.54 0.98 0.52 0.34 0.54 0.44 0.39 0.58 -0.01 1.19
CORPT 0.19 0.13 0.58 1.02 1.52 1.53 1.49 1.28 1.39 1.33 1.31 1.58 1.73 1.19 1.10 1.02 1.10 1.03 1.05 1.13 0.43DENA 0.22 -1.82 -1.14 0.41 0.63 0.75 0.86 0.74 0.37 -1.49 0.06 0.57 1.04 0.25 0.27 0.64 0.93 0.87 0.89 0.27 0.83IND 0.33 0.04 -2.86 0.09 -7.51 -2.28 -1.55 -3.63 -1.81 -1.03 0.11 0.53 1.04 0.93 1.06 1.35 1.43 1.48 1.53 -0.57 2.30IOB 0.10 -6.98 -2.67 0.06 0.02 0.58 0.53 0.23 0.15 0.38 0.65 1.01 1.08 1.28 1.32 1.23 1.18 1.10 0.54 0.09 1.93OBC 0.67 0.43 0.54 1.38 1.64 1.56 1.42 1.23 1.14 0.75 0.99 1.34 1.67 1.34 0.95 0.79 0.39 0.80 0.83 1.04 0.41PNB 0.02 -5.05 -3.65 -0.12 -1.83 0.26 0.72 0.57 0.52 0.10 0.17 0.03 0.06 -0.45 0.57 0.99 1.24 1.06 0.90 -0.20 1.62PSB 0.58 0.18 0.30 0.30 -0.30 0.68 1.20 0.80 0.75 0.73 0.77 0.98 1.08 1.12 0.99 0.95 1.03 1.25 1.32 0.77 0.42
SYND 0.05 -6.73 -2.47 -0.64 0.13 0.38 0.42 0.65 0.79 0.83 0.79 1.00 0.92 0.77 0.88 0.80 0.79 0.70 0.58 0.03 1.82UCO -0.18 -3.56 -4.73 -0.63 -1.53 -1.08 -0.52 -0.33 0.16 0.12 0.52 0.59 0.99 0.63 0.32 0.42 0.46 0.50 0.74 -0.37 1.49UBI 0.34 0.11 0.39 0.62 0.39 0.96 0.97 0.51 0.29 0.40 0.71 1.08 1.22 0.99 0.76 0.82 1.12 1.07 1.06 0.73 0.34UNI 0.10 -3.75 -7.42 -2.03 -2.17 -0.89 0.07 0.09 0.16 0.09 0.52 1.26 1.22 1.03 0.62 0.63 0.59 0.30 0.42 -0.48 2.11VIJ 0.06 -2.60 0.09 0.47 -3.47 0.24 0.25 0.27 0.41 0.50 0.81 1.03 1.71 1.30 0.40 0.78 0.64 0.42 0.72 0.21 1.23
MEAN 0.27 -1.53 -1.57 0.10 -0.26 0.43 0.68 0.43 0.52 0.39 0.73 1.01 1.22 0.87 0.78 0.86 0.88 0.88 0.89 - -S.D. 0.25 2.30 2.33 0.70 1.86 0.78 0.63 0.89 0.57 0.58 0.35 0.39 0.37 0.42 0.32 0.21 0.26 0.29 0.26 - -C.V. 91.23 -150 -149 676.3 -724 181.6 92.88 209.4 110.6 150.3 47.42 38.65 30 47.73 41.01 24.23 29.39 32.56 29.09 - -
TABLE 5.1.1 NET PROFIT AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSC.V.
38.2449.5633.5560.9157.9539.4648.88
369.12291.6739.82
382.34-1941.03
42.25-8622.94
38.21312.09-407.422062.11
38.84-794.0853.81
5290.30-399.9146.63
-436.92578.33
---
TABLE 5.1.2 NET PROFIT AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKS
YEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.
AXIS NE NE NE 1.06 0.92 0.92 0.56 0.79 0.76 0.80 0.93 0.98 1.15 0.89 0.98 0.90 0.98 1.23 1.39 0.95 0.20 20.53
BORL 0.97 0.41 0.84 2.04 1.50 0.23 -2.58 -1.84 0.29 0.74 0.84 1.12 0.82 0.38 0.15 0.91 0.73 0.68 -0.59 0.40 1.07 266.82
CSBL 0.51 0.27 0.60 0.35 0.02 0.24 0.35 0.02 0.25 0.38 1.07 1.17 1.31 0.24 0.13 0.36 0.61 0.53 0.02 0.44 0.38 84.88
CUBL 0.66 0.62 0.56 1.07 1.32 1.23 1.00 0.87 1.30 1.17 1.27 1.27 1.79 1.33 1.37 1.34 1.38 1.32 1.32 1.17 0.31 26.28
DEL NE NE NE NE 2.34 1.77 1.67 0.90 0.87 0.76 0.81 0.78 0.32 -3.50 -2.28 0.14 0.51 -1.48 -1.28 0.16 1.60 1032.69
DHAN 0.18 0.21 0.42 0.84 0.57 0.65 0.71 0.28 0.71 0.40 0.53 0.71 0.71 -0.82 0.33 0.47 0.71 1.02 0.29 0.47 0.39 82.10
FBL 0.37 0.42 0.66 1.30 1.04 0.85 0.69 0.03 0.61 0.69 0.81 0.86 0.90 0.54 1.09 1.17 1.13 1.29 1.06 0.82 0.34 41.10
HDFC NE NE NE 0.09 2.55 2.23 2.23 1.89 1.03 1.35 1.25 1.27 1.20 1.29 1.18 1.25 1.19 1.22 1.33 1.41 0.58 41.05
ICICI NE NE NE 0.43 1.43 2.25 1.53 0.91 0.87 0.82 0.25 1.13 1.31 1.20 1.01 0.90 1.04 0.99 1.11 1.07 0.45 42.11
IIBL NE NE NE 2.28 2.42 2.06 1.81 0.60 0.70 0.47 0.50 0.91 1.74 1.35 0.21 0.33 0.32 0.54 0.99 1.08 0.76 70.22
JKAL 0.17 0.20 0.53 0.58 0.53 0.59 0.90 1.14 1.14 1.32 1.77 2.01 1.92 0.47 0.67 0.96 1.10 1.09 1.20 0.96 0.53 55.57
KAL 0.76 0.67 0.65 0.80 1.11 1.41 1.51 0.87 1.01 0.68 1.17 1.19 1.26 1.17 1.18 1.09 1.25 1.17 0.62 1.03 0.27 26.16
KVBL 1.39 0.82 1.16 1.53 2.11 1.86 1.73 1.19 1.90 1.70 2.12 2.02 2.27 1.34 1.50 1.44 1.43 1.38 1.53 1.60 0.38 23.47
LVBL 0.84 0.67 0.65 1.56 0.90 1.39 1.31 0.76 1.14 1.02 1.06 1.07 1.07 0.08 0.46 0.30 0.39 0.61 0.29 0.82 0.41 49.42
NBL 0.60 0.50 0.16 0.25 0.28 0.25 0.45 0.75 0.86 0.87 0.87 0.99 1.43 1.08 0.92 1.04 1.32 1.48 1.51 0.82 0.43 52.50
RAT 0.53 0.05 0.59 0.56 0.58 0.73 0.91 0.78 0.70 0.67 1.00 1.30 1.04 -1.08 0.06 0.26 1.15 1.79 0.92 0.66 0.59 89.70
SBI COM NE NE NE NE NA 1.17 2.22 1.63 1.70 -6.50 0.46 -1.45 3.68 -2.10 1.09 1.13 1.93 1.52 0.49 0.50 2.48 498.15
SIBL 0.62 0.22 0.77 0.85 0.22 0.33 0.68 0.17 0.58 0.80 0.95 0.95 0.91 0.09 0.47 0.76 0.89 0.96 0.92 0.64 0.30 46.78
TMBL 1.03 0.99 1.12 1.35 1.68 2.23 1.98 1.43 1.32 1.37 1.29 1.35 1.59 1.47 1.66 1.49 1.43 1.34 1.36 1.45 0.30 20.55
MEAN 0.66 0.47 0.67 1.00 1.20 1.18 1.03 0.69 0.93 0.50 1.00 1.03 1.39 0.28 0.64 0.86 1.03 0.98 0.76 - - -
S.D. 0.34 0.28 0.27 0.62 0.78 0.72 1.06 0.79 0.42 1.73 0.44 0.69 0.72 1.33 0.86 0.43 0.41 0.69 0.75 - - -
C.V. 51.72 59.51 39.74 62.09 65.53 61.43 102.5 114 45.28 346.5 44.59 67.21 51.79 465.3 134.2 49.9 39.96 70.2 98.41 - - -
Note: NE- Not Existence NA- Not Available
TABLE 5.1.3 SPREAD AS % OF TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.
SBI 3.63 2.95 2.61 3.25 3.28 3.43 3.01 2.72 2.65 2.61 2.61 2.65 2.74 3.03 3.16 2.83 2.36 2.16 2.25 2.84 0.39 13.85
SBBJ 4.95 3.14 2.66 2.96 3.50 3.32 3.68 3.23 3.00 3.29 3.15 3.06 3.54 3.71 3.61 3.10 2.28 2.38 2.24 3.20 0.62 19.24
SBH 4.62 3.31 2.80 3.43 3.72 3.69 3.61 3.53 3.35 3.33 2.94 2.86 2.75 2.76 2.69 2.76 1.81 1.91 2.11 3.05 0.69 22.50
SBID 4.48 2.99 3.45 3.90 4.10 4.28 3.86 3.92 2.99 2.84 2.91 3.23 3.48 2.97 2.61 2.38 1.95 2.22 2.28 3.20 0.74 23.19
SBM 3.88 3.20 2.92 3.29 3.88 4.22 3.94 3.58 3.39 3.33 3.04 3.41 3.30 3.33 3.16 2.66 2.31 2.07 2.72 3.24 0.55 16.98
SBP 5.93 3.62 3.43 3.64 3.48 3.70 3.68 3.53 3.86 4.22 3.79 3.71 3.06 3.10 2.42 2.34 1.51 1.62 2.02 3.30 1.02 30.83
SBT 3.29 2.91 2.41 2.63 3.29 3.18 2.94 2.18 2.27 2.73 2.57 2.75 2.85 3.10 3.00 2.98 2.18 2.59 2.36 2.75 0.36 13.01
ALLH 2.09 1.24 1.95 2.06 2.67 3.05 2.82 2.82 2.86 3.09 2.95 3.24 3.13 3.02 2.85 2.59 2.02 2.21 2.18 2.57 0.53 20.80
ANDH 2.50 1.38 1.63 2.54 3.03 2.98 3.37 2.91 2.63 2.45 2.75 3.05 3.37 3.27 2.87 2.98 2.37 2.38 2.43 2.68 0.53 19.66
BOB 2.92 2.77 3.04 3.60 3.72 3.21 2.91 3.01 2.92 3.06 2.65 2.75 3.02 3.15 2.80 2.64 2.18 2.25 2.13 2.88 0.41 14.39
BOI 2.25 1.82 2.07 2.59 2.87 3.00 2.77 2.61 2.31 2.78 2.64 2.66 2.59 2.36 2.34 2.43 2.36 2.44 2.09 2.47 0.30 12.02
BOMH 3.04 1.37 1.77 2.65 3.59 3.67 3.50 3.29 3.07 2.93 2.73 2.71 2.40 2.68 3.11 2.80 2.34 2.13 1.82 2.72 0.63 23.21
CAN 4.42 3.45 2.57 3.60 3.44 3.19 2.49 3.24 2.64 2.83 2.52 2.72 2.69 2.86 2.70 2.43 1.96 2.15 2.15 2.84 0.60 20.93
CBOI 2.80 1.87 1.46 2.46 3.15 3.17 3.11 2.97 2.96 3.07 2.92 3.32 3.35 3.46 3.19 2.66 1.70 1.51 1.39 2.66 0.70 26.50
CORPT3.47 2.84 2.79 3.04 3.74 3.89 3.46 2.52 2.73 2.95 2.65 3.02 3.31 3.33 3.03 2.61 2.17 1.95 1.70 2.91 0.57 19.76
DENA 3.24 2.28 2.54 3.23 3.64 3.85 3.48 2.97 2.48 2.51 2.35 2.82 2.67 2.86 2.72 2.72 2.22 2.20 1.91 2.77 0.52 18.86
IND 1.99 1.77 1.79 1.73 0.52 0.71 0.57 0.92 1.61 1.84 1.75 2.32 2.85 2.97 3.17 3.33 2.91 3.10 3.12 2.05 0.93 45.41
IOB 1.73 0.62 1.05 1.79 2.12 2.38 2.31 2.31 2.46 2.91 2.74 2.97 3.38 3.65 3.48 3.11 2.41 2.37 2.42 2.43 0.77 31.85
OBC 4.29 2.83 3.29 3.81 3.80 3.89 3.38 3.10 2.90 2.92 3.01 3.54 3.55 2.82 2.72 2.29 1.84 1.77 2.12 3.05 0.70 23.02
PNB 2.68 0.64 1.78 2.26 2.15 2.60 2.63 2.38 2.35 2.51 2.30 2.67 3.29 3.64 3.31 3.49 2.54 2.45 2.09 2.51 0.67 26.61
PSB 3.42 2.86 2.70 2.83 3.43 3.47 3.25 3.57 2.99 3.21 3.15 3.62 3.54 3.17 3.21 3.40 2.78 2.85 2.86 3.17 0.30 9.36
SYND 3.02 1.60 2.42 2.74 3.20 3.17 2.85 2.94 3.04 3.87 3.49 3.51 3.03 3.25 3.08 2.41 1.93 2.00 1.97 2.82 0.61 21.66
UCO 1.93 0.51 0.97 2.19 2.17 1.93 1.94 2.15 2.35 2.42 2.33 2.53 2.73 2.58 2.53 2.26 1.66 1.47 1.69 2.02 0.57 28.02
UBI 3.81 2.54 2.92 3.32 3.40 3.41 3.17 2.66 2.74 3.13 3.01 2.93 2.98 2.85 2.66 2.72 2.30 2.37 2.15 2.90 0.42 14.48
UNI 2.30 0.55 0.55 1.02 1.62 1.62 2.77 2.00 2.10 2.39 2.64 2.97 3.02 3.15 3.07 2.78 1.67 1.87 1.81 2.10 0.81 38.40
VIJ 3.19 2.09 2.67 2.62 2.53 2.91 2.76 2.86 3.03 3.23 3.01 3.37 3.48 3.36 3.08 2.53 1.48 1.80 2.06 2.74 0.56 20.28
MEAN 3.30 2.20 2.32 2.81 3.08 3.15 3.01 2.84 2.76 2.94 2.79 3.01 3.08 3.09 2.95 2.74 2.12 2.16 2.16 - - -S.D. 1.04 0.97 0.76 0.71 0.82 0.80 0.70 0.63 0.46 0.48 0.40 0.37 0.34 0.33 0.32 0.34 0.36 0.38 0.36 - - -
C.V. 31.45 44.27 33 25.1 26.5 25.34 23.14 22.06 16.57 16.36 14.32 12.14 11 10.74 10.7 12.39 17.15 17.54 16.91 - - -
TABLE 5.1.4. SPREAD AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.
AXIS NE NE NE 2.66 2.28 2.15 1.05 1.86 1.36 0.91 1.39 1.64 2.34 1.94 2.17 2.00 2.36 2.50 2.77 1.96 0.56 28.38
BORL 3.97 2.98 2.94 3.69 2.90 2.90 2.38 1.76 2.27 3.06 2.69 2.95 2.25 2.33 2.27 2.63 1.99 2.19 1.94 2.64 0.58 21.89
CSBL 3.87 2.75 3.14 2.94 3.04 3.03 2.43 1.97 2.34 2.72 2.32 2.32 2.84 3.30 3.08 2.97 2.75 2.35 1.60 2.72 0.52 18.95
CUBL 4.32 3.43 3.11 3.26 3.38 2.88 2.09 1.87 3.03 2.95 2.45 2.53 3.02 3.17 3.39 3.12 2.72 2.62 2.41 2.93 0.55 18.84
DEL NE NE NE NE 5.00 3.67 1.99 2.28 1.70 2.19 2.17 1.62 1.77 1.50 2.01 2.27 2.29 3.32 2.31 2.41 0.93 38.48
DHAN 3.95 3.42 3.33 3.32 3.09 2.33 2.72 2.16 2.49 2.34 2.25 2.53 2.84 2.76 2.91 2.86 2.45 2.16 1.74 2.72 0.54 19.77
FBL 3.22 2.21 2.71 3.36 2.44 2.11 1.89 1.09 2.37 2.69 2.72 2.78 2.79 2.99 2.91 2.86 2.67 3.39 3.23 2.65 0.56 21.03
HDFC NE NE NE 0.23 4.51 4.11 3.65 3.38 2.62 3.24 2.65 2.73 3.16 3.46 3.46 3.80 3.93 4.05 3.77 3.30 0.98 29.69
ICICI NE NE NE 1.44 2.70 3.68 2.23 1.70 1.54 2.05 0.57 1.33 1.50 1.69 1.87 1.64 1.83 2.21 2.23 1.89 0.68 35.91
IIBL NE NE NE 2.55 3.02 2.79 2.43 1.86 1.70 1.84 1.60 1.86 2.10 2.66 1.79 1.30 1.29 1.66 2.51 2.06 0.53 25.89
JKAL 5.66 4.14 4.10 4.43 4.05 3.48 3.60 3.49 2.71 2.81 2.98 3.13 2.92 2.44 2.51 2.68 2.47 2.61 2.63 3.31 0.85 25.83
KAL 3.74 3.50 2.90 3.64 3.41 4.11 3.58 2.38 1.99 2.28 1.81 1.67 2.02 2.53 2.45 2.59 2.37 2.21 0.99 2.64 0.83 31.35
KVBL 3.98 3.20 2.92 2.83 3.35 3.96 3.28 2.91 3.66 3.67 3.22 2.74 4.18 3.26 3.14 3.13 2.34 2.41 2.58 3.20 0.52 16.32
LVBL 4.13 3.00 3.26 2.95 3.34 3.09 2.53 2.31 2.59 2.55 2.17 2.13 2.18 2.63 2.14 2.04 1.90 1.85 2.38 2.59 0.58 22.56
NBL 4.65 3.57 2.86 3.36 4.19 4.21 3.90 4.11 3.85 3.80 3.87 3.70 3.87 3.53 3.92 3.96 3.68 3.80 3.25 3.79 0.39 10.24
RAT 4.21 2.65 4.18 3.43 3.55 3.67 3.21 3.12 2.81 3.07 2.89 2.69 2.73 3.08 3.07 2.95 3.72 3.72 2.82 3.24 0.48 14.85
SBI COM NE NE NE NE NA 1.29 1.21 1.37 1.98 1.19 0.78 2.15 2.76 1.95 3.25 1.68 1.17 2.46 1.16 1.74 0.71 40.99
SIBL 3.72 2.63 2.89 3.02 3.73 2.70 2.52 2.46 2.66 2.87 2.37 2.31 2.16 2.71 2.86 2.69 2.20 2.57 2.23 2.70 0.44 16.18
TMBL 5.16 3.48 3.51 3.71 4.33 4.65 3.68 2.96 2.88 3.29 3.35 3.58 4.24 4.11 4.03 4.17 2.96 2.97 2.76 3.67 0.66 17.91
MEAN 4.20 3.15 3.22 2.99 3.46 3.20 2.65 2.37 2.45 2.61 2.33 2.44 2.72 2.74 2.80 2.70 2.48 2.69 2.38 - - -S.D. 0.64 0.51 0.46 0.95 0.73 0.86 0.83 0.78 0.66 0.75 0.84 0.65 0.76 0.67 0.66 0.77 0.74 0.67 0.70 - - -C.V. 15.29 16.27 14.41 31.86 21.09 27.00 31.39 32.94 26.98 28.90 35.95 26.73 27.88 24.64 23.63 28.65 29.69 25.08 29.16 - - -Note: NE- Not Existence NA- Not Available
TABLE 5.1.5 BURDEN AS % OF TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004
SBI 0.90 1.11 1.24 1.65 1.18 1.25 1.06 1.17 1.04 1.36 0.87 0.59 0.40
SBBJ 1.94 1.83 1.55 1.52 1.81 1.40 1.38 1.64 1.09 1.35 0.64 0.61 0.17
SBH 1.27 1.14 0.94 0.98 1.26 1.26 0.92 1.46 0.70 0.89 0.22 -0.04 -0.56
SBID 2.00 1.92 1.68 1.75 2.09 2.05 1.64 1.61 0.93 0.74 -0.50 -0.47 -0.60
SBM 2.24 2.00 1.35 1.72 1.75 1.84 1.78 1.83 1.43 1.87 0.78 0.30 0.21
SBP 1.44 1.47 1.41 1.94 1.25 1.44 1.52 1.19 1.01 1.44 0.53 0.23 -0.67
SBT 1.71 1.38 0.70 0.91 1.22 1.24 0.75 0.80 0.80 1.14 0.63 0.36 -0.07
ALLH 1.16 1.23 1.71 1.78 1.84 1.65 1.32 1.48 1.41 1.88 1.30 1.40 0.60
ANDH 1.99 2.10 1.96 2.33 2.16 1.92 1.68 1.56 0.80 1.23 0.72 -0.01 -0.07
BOB 0.99 1.35 0.33 1.12 1.17 1.15 1.15 1.20 1.13 1.42 0.80 0.51 0.10
BOI 0.84 1.35 1.26 1.54 1.44 1.48 1.27 1.31 1.09 1.48 0.61 0.01 -0.05
BOMH 2.48 2.52 2.38 2.26 2.74 2.49 2.33 2.18 1.55 1.67 0.80 0.62 0.30
CAN 1.32 1.19 1.18 1.51 1.24 1.35 0.93 1.25 0.95 1.13 0.23 0.29 -0.18
CBOI 1.94 2.19 2.13 2.22 2.24 2.03 1.93 2.12 1.94 2.07 1.58 1.70 0.94
CORPT 1.36 1.33 0.46 0.59 0.61 0.87 0.76 0.48 0.20 0.25 0.01 -0.23 0.20
DENA 2.47 2.22 1.90 2.28 1.88 1.86 1.25 1.51 1.18 2.13 0.57 0.37 -0.53
IND 1.07 1.01 1.43 1.24 1.78 1.52 1.65 1.68 1.51 1.60 0.74 0.65 0.80
IOB 1.30 1.05 0.70 1.31 2.00 1.66 1.59 1.73 1.77 1.90 1.00 1.04 0.58
OBC 1.87 1.64 1.46 1.45 1.18 1.29 1.10 1.05 0.84 0.95 0.17 0.12 -0.19
PNB 2.37 2.47 1.90 1.62 2.04 1.86 1.52 1.52 1.52 1.74 1.11 0.73 2.29
PSB 1.99 1.64 1.56 2.09 2.21 1.70 1.24 1.79 1.47 1.72 1.13 0.94 0.49
SYND 2.53 2.64 2.39 2.64 2.56 2.61 2.16 2.17 2.01 2.82 2.37 1.72 0.79
UCO 1.64 1.42 2.37 1.91 2.33 2.38 1.86 1.97 1.59 1.64 0.81 0.74 0.56
UBI 2.06 1.86 1.66 1.65 1.88 1.88 1.81 1.67 1.62 1.82 1.05 0.38 0.43
UNI 2.02 2.18 1.98 1.87 2.09 2.05 1.63 1.73 1.67 1.75 1.60 0.67 0.65
VIJ 2.68 1.99 1.83 1.45 2.46 2.47 2.08 1.81 2.05 1.98 1.44 1.11 -0.12
MEAN 1.75 1.70 1.52 1.67 1.78 1.72 1.47 1.54 1.28 1.54 0.82 0.55 0.25
S.D. 0.54 0.49 0.57 0.48 0.52 0.45 0.43 0.40 0.45 0.51 0.58 0.54 0.62
C.V. 31.023 28.723 37.274 28.882 29.4 26.354 28.874 26.355 35.102 33.472 70.483 98.356 248.19
TABLE 5.1.5 BURDEN AS % OF TOTAL ASSETS OF PUBLIC SECTOR BANKS2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.
0.64 0.87 1.07 0.54 0.31 0.51 0.93 0.36 38.32
0.59 1.86 1.13 0.68 0.45 0.57 1.17 0.56 47.61
0.71 0.88 0.72 0.20 0.21 0.16 0.70 0.53 76.10
0.89 0.74 0.79 0.41 0.33 0.38 0.97 0.89 92.08
0.60 0.90 0.90 0.59 0.46 0.66 1.22 0.65 53.48
0.39 0.64 0.68 0.19 0.23 0.30 0.88 0.66 75.57
0.33 0.88 1.11 0.57 0.46 0.72 0.82 0.42 51.00
0.95 1.00 0.96 0.23 0.26 0.08 1.17 0.55 46.81
0.23 1.15 1.02 0.50 0.49 0.43 1.17 0.78 67.20
0.72 1.11 0.96 0.55 0.36 0.36 0.87 0.39 45.26
0.82 0.83 0.74 0.30 0.02 0.38 0.88 0.54 61.49
1.02 1.94 1.23 0.95 0.78 0.68 1.63 0.80 48.97
0.51 0.78 0.67 0.32 0.34 0.23 0.80 0.49 61.07
1.12 1.59 1.30 0.68 0.54 0.27 1.61 0.62 38.73
0.30 0.67 0.45 0.29 -0.12 -0.21 0.44 0.45 102.72
1.27 0.46 0.70 0.45 0.70 0.45 1.22 0.83 68.36
0.79 1.29 0.91 0.56 0.45 0.41 1.11 0.45 40.34
0.71 1.21 1.22 0.44 0.29 1.01 1.18 0.50 42.35
0.54 0.70 0.53 0.50 0.28 0.35 0.83 0.57 68.06
2.00 1.91 1.34 0.79 0.69 0.54 1.58 0.58 37.05
1.27 1.20 1.41 0.77 0.52 0.39 1.34 0.54 40.20
1.29 1.43 0.86 0.56 0.66 0.62 1.83 0.81 43.98
1.04 1.30 1.00 0.59 0.40 0.45 1.37 0.67 48.83
0.68 1.02 0.77 0.22 0.45 0.27 1.22 0.66 53.94
0.78 1.13 1.08 0.81 0.78 0.67 1.43 0.57 39.60
0.64 1.08 0.89 0.30 0.36 0.56 1.42 0.82 57.71
0.80 1.10 0.94 0.50 0.41 0.43 - - -0.38 0.39 0.25 0.21 0.21 0.24 - - -
47.734 35.789 26.413 41.174 51.647 54.883 - - -
TABLE 5.1.6 BURDEN AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003
AXIS NE NE NE 1.06 -0.06 0.14 -0.67 0.11 -0.39 -0.32 -1.46 -0.45
BORL 2.23 2.14 1.61 1.27 1.05 1.36 1.54 2.06 1.82 1.74 1.00 0.53
CSBL 2.65 2.45 1.73 2.21 1.76 2.21 1.47 1.75 1.39 1.09 -0.28 -0.58
CUBL 1.97 1.62 1.46 0.76 0.40 0.27 0.23 0.11 -0.15 0.23 -0.47 -0.53
DEL NE NE NE NE 1.91 1.19 -0.82 1.01 -0.20 0.58 -0.30 0.27
DHAN 3.50 2.64 1.87 1.04 1.63 0.98 1.12 1.20 0.60 1.34 -0.43 -0.49
FBL 1.53 1.16 1.13 1.02 0.48 0.76 0.62 0.48 0.59 0.57 -0.29 -0.10
HDFC NE NE NE 0.13 0.92 0.58 0.02 0.48 0.39 0.79 0.36 0.39
ICICI NE NE NE 0.74 0.67 -0.12 -0.84 -0.09 -0.34 0.58 0.05 -1.07
IIBL NE NE NE -0.49 -0.48 -0.72 -1.57 0.07 -0.68 -0.16 -0.88 -1.41
JKAL 1.64 1.52 1.57 1.94 1.24 1.13 0.72 1.21 0.51 0.66 -0.16 -0.16
KAL 1.88 1.79 1.47 1.70 1.04 1.21 0.94 0.90 0.58 0.24 -1.42 -1.06
KVBL 1.79 1.67 1.10 0.02 0.52 0.97 -0.01 0.93 0.75 1.06 0.06 -0.46
LVBL 1.97 1.66 1.05 -0.24 1.20 1.39 0.84 1.02 0.19 0.25 -0.55 -0.37
NBL 2.79 2.54 2.57 2.97 3.27 2.70 2.40 2.20 2.15 2.13 2.04 2.19
RAT 2.55 2.48 2.48 2.18 2.57 2.64 1.81 2.02 1.35 1.33 -0.80 -0.04
SBI COM NE NE NE NE NA 0.21 -1.06 -0.95 -1.20 -0.11 -1.08 -0.63
SIBL 2.43 1.91 0.44 1.46 1.90 1.78 1.54 1.48 0.85 0.81 -0.27 -0.53
TMBL 1.29 0.72 0.53 0.74 0.37 0.46 0.35 0.53 0.51 0.51 0.53 0.71
MEAN 2.17 1.87 1.46 1.09 1.13 1.01 0.45 0.87 0.46 0.70 -0.23 -0.20
S.D. 0.60 0.57 0.64 0.93 0.93 0.90 1.09 0.83 0.85 0.64 0.83 0.80
C.V. 27.83 30.57 43.55 85.75 82.26 89.54 239.76 95.28 184.30 91.40 -361.50 -397.66
Note: NE- Not Existence NA- Not Available
TABLE 5.1.6 BURDEN AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKS2004 2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.
-0.50 0.44 0.17 0.28 0.33 -0.03 -0.13 -0.09 0.56 -610.81
0.05 1.43 2.07 1.05 0.90 1.07 2.10 1.42 0.59 41.68
-0.02 1.52 2.30 1.79 1.52 1.23 1.50 1.46 0.89 60.85
-0.67 0.83 0.74 0.67 0.27 0.17 0.19 0.43 0.70 165.50
0.77 1.58 2.54 1.49 0.85 2.05 1.52 0.96 0.94 97.64
0.10 2.07 2.10 1.74 1.35 0.60 1.26 1.28 0.98 76.89
-0.10 0.61 0.72 0.41 0.23 0.14 0.33 0.54 0.46 85.70
0.78 0.84 0.77 0.99 1.10 1.22 0.88 0.67 0.34 51.69
-0.39 -0.07 0.33 -0.07 -0.16 -0.15 -0.45 -0.09 0.50 -572.73
-0.85 0.09 0.73 0.48 0.45 0.33 0.52 -0.29 0.71 -246.25
-0.04 0.93 0.89 0.74 0.48 0.56 0.38 0.83 0.61 72.92
-1.10 -0.19 0.25 0.39 0.35 0.11 0.03 0.48 0.97 201.65
1.16 0.73 0.60 0.66 0.23 -0.04 0.46 0.64 0.59 92.21
-0.20 1.28 1.33 0.78 0.52 0.54 0.79 0.71 0.71 100.67
1.46 1.52 1.81 1.72 1.20 1.17 0.99 2.10 0.64 30.54
1.03 1.98 1.74 2.40 1.43 1.03 1.22 1.65 0.92 55.61
-2.56 -0.34 -0.53 0.83 -0.69 0.89 0.64 -0.47 0.93 -198.35
-0.45 0.89 1.42 0.85 0.62 0.81 0.62 0.98 0.82 83.58
0.90 1.01 0.85 0.91 0.43 0.61 0.43 0.65 0.25 37.88
-0.03 0.90 1.10 0.95 0.60 0.65 0.70 - - -0.95 0.70 0.82 0.62 0.56 0.57 0.63 - - -
-2859.13 77.65 75.25 64.95 93.77 87.57 89.77 - - -
TABLE 5.1.7 PRIORITY SECTOR ADVANCE S AS % TO TOTAL ADVANCES OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
SBI 24.01 23.15 26.68 24.77 24.98 27.23 26.30 28.04 26.38 26.55 26.15 25.49 27.04 28.59
SBBJ 38.48 34.06 35.93 34.02 35.97 34.60 39.28 42.40 41.50 39.60 40.59 43.16 43.86 45.16
SBH 39.04 34.46 34.00 35.73 31.65 34.10 34.43 35.29 35.63 34.74 34.41 32.54 39.51 39.69
SBID 36.40 36.79 35.83 39.60 39.59 39.64 41.98 43.39 40.47 40.42 41.27 43.94 46.32 43.68
SBM 38.41 36.56 39.74 33.31 38.13 35.45 35.97 37.50 39.09 36.39 35.40 36.46 36.52 40.45
SBP 37.39 34.35 39.49 35.85 35.48 37.00 37.24 38.59 36.92 37.03 36.45 40.98 39.39 44.04
SBT 36.99 28.47 33.86 33.17 33.70 33.05 32.55 33.13 33.23 31.50 30.40 33.60 37.22 38.36
ALLH 41.59 38.78 35.14 27.92 25.74 30.24 30.57 33.77 39.33 42.36 41.91 42.68 41.93 43.40
ANDH 36.75 40.90 33.53 29.66 35.15 39.09 40.06 38.91 38.32 35.73 34.06 39.90 37.19 39.44
BOB 26.08 26.49 25.98 27.71 30.36 29.77 28.98 28.72 27.02 24.29 22.80 25.96 27.88 28.26
BOI 20.25 21.04 24.14 24.43 24.28 25.88 26.16 25.78 26.13 23.88 23.97 26.16 28.26 28.59
BOMH 39.97 39.41 40.01 33.22 36.51 36.32 37.33 41.73 35.19 37.79 35.40 35.79 35.29 41.18
CAN 35.15 34.35 36.24 33.06 36.30 36.54 35.70 32.11 28.91 28.99 28.04 30.07 33.90 33.74
CBOI 36.63 37.04 43.84 30.58 31.24 34.98 34.23 32.44 36.79 38.07 38.54 41.76 43.52 44.78
CORPT 41.24 38.31 39.71 32.10 35.51 31.58 29.21 29.80 29.02 33.10 37.31 33.01 35.85 34.75
DENA 44.45 40.96 39.14 40.66 40.69 40.29 42.41 41.74 40.11 39.12 37.60 37.54 40.54 38.97
IND 33.31 28.07 30.73 30.29 29.92 32.86 26.08 23.76 24.86 23.85 29.75 33.00 38.20 42.93
IOB 24.89 25.94 25.32 24.58 26.97 31.03 29.49 29.17 29.63 30.95 32.16 33.52 39.13 39.16
OBC 40.05 40.79 40.75 37.21 37.41 40.07 39.16 39.71 39.70 38.76 38.53 38.45 38.05 37.42
PNB 43.90 37.47 40.21 37.86 38.57 39.07 37.99 35.15 40.30 40.68 40.87 44.77 47.18 46.56
PSB 39.37 35.28 39.10 33.84 32.27 31.14 32.88 34.62 36.87 38.73 39.11 39.86 43.91 46.79
SYND 32.12 26.12 28.77 28.23 24.96 25.84 25.87 30.18 25.66 29.05 27.55 30.92 32.57 36.27
UCO 20.80 21.42 24.73 25.21 26.70 32.51 33.35 29.24 28.74 27.25 31.05 30.42 31.75 36.21
UBI 37.11 35.96 36.08 35.98 32.91 35.14 37.80 37.60 32.74 32.39 32.95 37.40 39.37 42.50
UNI 36.65 34.67 37.55 38.04 38.00 37.81 35.83 33.34 23.48 20.22 19.44 27.13 33.91 33.97
VIJ 42.44 40.68 35.87 37.54 38.47 39.28 39.58 40.43 39.77 35.20 35.88 35.87 40.28 39.92
MEAN 35.52 33.52 34.71 32.48 33.13 34.25 34.25 34.48 33.68 33.33 33.52 35.40 37.64 39.03
S.D. 6.83 6.28 5.66 4.83 5.06 4.31 5.10 5.45 5.91 6.19 6.09 5.82 5.36 5.34
C.V. 19.23 18.74 16.3 14.87 15.26 12.57 14.9 15.79 17.53 18.56 18.15 16.43 14.25 13.68
TABLE 5.1.7 PRIORITY SECTOR ADVANCE S AS % TO TOTAL ADVANCES OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.
30.56 30.24 28.61 26.48 26.99 26.75 1.91 7.14
41.30 41.03 40.99 38.80 37.85 39.40 3.32 8.44
41.68 38.99 32.78 31.97 33.93 35.50 2.89 8.15
42.85 37.46 37.93 34.69 41.88 40.22 3.14 7.80
42.45 36.31 31.85 33.22 30.55 36.51 2.95 8.07
37.87 34.58 31.60 32.11 38.47 37.10 2.91 7.85
41.10 39.92 41.73 39.79 36.64 35.18 3.75 10.65
41.91 39.39 36.94 34.75 33.91 36.96 5.45 14.75
37.26 37.49 36.98 36.23 35.52 36.96 2.70 7.31
29.36 28.76 27.62 26.57 26.35 27.31 1.90 6.94
31.50 29.87 28.41 26.27 25.48 25.82 2.77 10.72
41.65 39.23 37.80 36.73 39.44 37.89 2.44 6.45
37.68 37.24 39.15 33.27 33.48 33.89 3.15 9.30
43.48 39.12 32.88 31.39 32.14 37.02 4.72 12.76
33.27 35.92 35.31 31.74 31.57 34.12 3.45 10.11
41.01 39.54 34.36 33.98 32.92 39.26 2.93 7.46
46.36 45.10 37.64 35.48 34.84 33.00 6.76 20.47
39.47 38.22 33.61 32.44 34.48 31.59 4.94 15.63
35.12 33.08 32.13 31.01 33.65 37.42 3.00 8.01
41.20 40.27 32.30 29.23 32.76 39.28 4.68 11.92
45.68 37.81 38.67 31.81 35.70 37.55 4.49 11.96
36.99 32.81 32.13 32.37 34.38 30.15 3.67 12.17
34.99 34.63 33.03 31.29 29.53 29.62 4.38 14.77
38.10 39.87 38.06 33.13 35.04 36.32 2.76 7.59
38.53 37.38 32.44 31.10 31.68 32.69 5.99 18.33
40.85 39.51 35.70 35.02 34.71 38.26 2.42 6.31
38.93 37.07 34.64 32.73 33.61 - - -4.41 3.76 3.77 3.36 3.83 - - -
11.32 10.16 10.89 10.25 11.41 - - -
TOTAL 5.1.8 PRIORITY SECTOR ADVANCES AS % TO TOTAL ADVANCES OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
AXIS NE NE NE 2.96 5.29 17.32 8.03 10.82 8.64 7.22 16.21 22.83 26.23 28.22
BORL 25.17 24.15 25.28 22.95 25.08 36.81 33.08 35.73 29.25 27.68 28.65 22.33 32.14 27.71
CSBL 32.45 36.87 35.40 38.46 31.17 29.33 30.72 31.63 28.89 25.46 25.50 20.81 26.89 31.44
CUBL 35.79 33.70 33.01 38.12 38.15 38.40 37.61 35.39 33.92 33.88 33.69 38.92 38.49 39.86
DEL NE NE NE NE 54.00 100.00 31.29 33.86 34.67 32.47 34.01 31.80 35.07 32.77
DHAN 16.72 17.03 18.06 19.12 18.84 33.21 34.14 28.78 30.87 29.49 28.91 25.05 27.19 29.93
FBL 23.47 22.96 24.97 26.41 24.29 23.23 24.06 29.04 35.43 32.24 31.92 31.40 31.32 32.15
HDFC NE NE NE 0.00 21.66 22.59 14.95 14.24 17.42 14.40 10.75 12.10 14.08 21.97
ICICI NE NE NE 12.54 11.73 27.47 29.14 22.64 13.60 16.85 4.22 16.77 23.40 21.98
IIBL NE NE NE 10.42 15.35 25.30 23.83 24.56 20.18 16.63 17.01 18.69 27.45 23.50
JKAL 16.65 15.70 11.69 14.31 18.00 19.96 16.51 20.67 23.09 24.76 20.50 18.80 21.17 21.79
KAL 32.68 29.31 30.38 32.37 32.80 35.22 38.17 38.18 37.37 33.71 34.96 38.49 40.92 33.31
KVBL 31.73 29.72 29.30 24.84 31.22 34.36 38.95 37.98 38.85 38.63 36.29 33.26 37.50 39.03
LVBL 32.70 29.05 25.11 31.82 33.84 34.24 32.05 36.33 42.55 40.14 38.12 34.64 37.55 41.01
NBL 42.80 41.77 50.72 47.46 40.67 42.99 53.21 50.45 52.63 55.43 52.65 56.69 56.49 55.79
RAT 38.88 41.59 40.52 42.24 40.26 35.37 31.65 31.62 30.20 28.15 26.61 23.92 22.42 31.25
SBI COM NE NE NE NE NA 5.53 9.23 12.64 11.80 11.28 4.29 9.40 12.04 3.93
SIBL 25.83 24.22 24.62 23.41 24.20 27.59 26.55 28.42 31.97 29.74 28.43 27.79 30.75 31.87
TMBL 39.80 35.44 39.29 38.80 41.96 42.87 42.86 44.27 44.00 42.12 39.68 40.81 45.14 47.38
MEAN 30.36 29.35 29.87 25.07 28.25 33.25 29.26 29.86 29.75 28.44 26.97 27.60 30.85 31.31
S.D. 8.33 8.41 10.18 13.88 12.28 18.63 11.41 10.45 11.62 11.75 12.42 11.41 10.67 11.03
C.V. 27.42 28.67 34.07 55.36 43.46 56.04 38.99 35.02 39.04 41.33 46.06 41.33 34.57 35.24
Note: NE- Not Existence NA- Not Available
TOTAL 5.1.8 PRIORITY SECTOR ADVANCES AS % TO TOTAL ADVANCES OF PRIVATE SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.
34.64 35.79 27.78 28.14 28.69 19.30 11.02 57.08
23.87 26.67 28.35 22.58 29.87 27.76 4.28 15.41
34.08 34.00 39.30 38.34 33.71 31.81 4.93 15.49
40.82 40.14 34.12 32.33 36.83 36.48 2.68 7.36
29.69 34.02 35.34 41.89 42.13 40.20 17.62 43.83
35.57 38.53 43.23 32.86 25.08 28.03 7.57 27.00
34.30 37.26 36.51 37.80 36.55 30.28 5.31 17.53
30.99 37.67 27.47 30.12 35.09 20.34 10.03 49.32
29.20 28.22 26.48 28.42 29.79 21.40 7.85 36.70
26.78 31.78 39.12 35.31 30.79 24.17 7.70 31.87
19.53 19.24 25.81 35.10 37.44 21.09 6.37 30.20
35.58 32.02 36.59 37.02 36.39 35.03 3.04 8.68
42.79 37.94 33.71 36.32 33.10 35.03 4.38 12.50
36.53 38.06 39.28 31.13 34.13 35.17 4.36 12.40
50.29 50.33 54.31 55.55 52.03 50.64 5.18 10.23
32.52 34.20 41.03 29.58 25.59 33.03 6.30 19.08
9.30 14.68 40.25 43.01 50.19 16.97 15.36 90.55
35.59 37.04 34.24 34.00 31.23 29.34 4.08 13.92
46.06 46.76 44.51 41.97 43.48 42.48 3.03 7.12
33.06 34.44 36.18 35.34 35.37 - - -9.31 8.30 7.23 7.19 7.35 - - -
28.16 24.10 19.98 20.35 20.79 - - -
TABLE 5.1.9 CREDIT AS % TO TOTAL DEPOSITS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
SBI 73.67 71.92 54.31 57.01 62.06 56.22 56.63 48.72 49.84 46.78 44.65 46.52 49.57 55.14
SBBJ 59.58 58.49 51.78 52.37 52.52 55.80 56.10 49.62 48.50 50.05 50.86 51.18 54.96 63.22
SBH 61.55 57.98 49.98 59.36 63.63 55.83 53.54 50.23 48.60 47.78 48.40 46.91 48.70 53.92
SBID 65.27 61.89 58.01 60.79 59.65 57.45 56.45 52.64 55.76 51.17 54.17 56.23 61.49 65.48
SBM 60.55 58.91 51.34 54.70 53.68 55.12 55.19 53.56 52.70 56.34 57.65 58.37 56.90 64.64
SBP 63.34 60.84 49.11 52.34 53.21 52.39 53.06 54.41 56.72 59.04 62.23 60.14 58.23 57.97
SBT 54.69 59.10 56.28 65.27 61.75 56.61 53.57 49.15 50.39 55.28 55.24 57.58 56.45 61.53
ALLH 51.66 51.43 44.01 45.41 47.45 42.79 42.27 45.03 46.71 47.66 48.50 49.26 48.74 51.89
ANDH 49.33 45.54 39.11 45.37 43.24 41.00 41.62 43.34 38.66 40.58 52.34 54.66 56.17 63.58
BOB 54.95 56.17 54.73 56.24 56.44 51.41 50.61 47.28 47.54 50.79 54.47 53.26 48.79 53.36
BOI 65.45 59.18 50.99 49.87 56.66 57.35 55.98 54.75 52.85 61.58 64.16 66.15 64.58 70.45
BOMH 53.88 47.87 40.31 43.88 45.09 42.24 39.33 37.17 39.18 39.19 43.15 42.88 44.36 45.28
CAN 56.19 48.84 41.76 48.40 49.90 45.84 44.22 46.55 49.05 47.12 51.74 56.14 55.17 62.42
CBOI 51.46 49.26 37.68 44.24 45.07 38.13 40.49 41.76 44.06 45.36 45.16 45.26 40.79 44.90
CORPT 43.07 43.24 34.56 33.66 42.59 45.18 46.01 49.88 54.47 52.33 58.06 55.37 59.89 68.10
DENA 48.94 47.97 43.83 49.68 52.52 51.44 50.89 54.22 53.57 48.05 48.99 51.15 51.29 54.12
IND 72.26 67.45 57.38 61.81 59.13 47.91 47.08 43.70 42.92 43.49 45.38 45.44 46.40 52.80
IOB 65.72 56.53 49.42 52.24 51.44 45.42 44.84 46.17 47.59 47.77 47.67 47.54 48.92 56.97
OBC 48.99 51.53 49.00 52.88 53.63 48.60 48.39 45.87 42.21 44.88 49.70 52.59 55.17 52.87
PNB 50.77 45.37 42.15 46.20 47.47 43.75 41.87 43.17 45.14 43.52 44.68 44.56 44.20 44.61
PSB 51.44 54.36 45.00 47.47 46.75 45.66 45.61 46.71 47.54 49.93 53.60 53.06 53.72 58.56
SYND 50.82 47.68 39.37 37.54 42.44 39.02 41.39 46.76 51.60 52.27 52.14 53.18 48.48 57.74
UCO 67.37 58.12 49.23 47.21 43.54 38.81 38.79 38.29 41.56 46.83 47.69 50.80 52.56 55.90
UBI 46.32 48.18 43.74 46.29 48.52 45.83 44.57 40.19 46.98 50.18 53.74 57.02 58.20 64.86
UNI 52.36 47.51 36.17 35.00 32.44 29.26 28.01 26.48 27.18 31.06 34.79 34.96 34.99 44.93
VIJ 56.30 48.53 42.51 40.14 40.81 36.26 39.25 38.88 40.44 45.28 42.21 46.37 52.56 55.96
MEAN 56.77 54.00 46.61 49.44 50.45 47.13 46.76 45.94 46.99 48.24 50.44 51.41 51.97 56.97
S.D. 8.04 7.20 6.75 8.01 7.60 7.54 7.16 6.40 6.44 6.27 6.42 6.47 6.65 7.24
C.V. 14.17 13.33 14.48 16.21 15.07 16.01 15.32 13.94 13.7 13 12.73 12.59 12.8 12.72
TABLE 5.1.9 CREDIT AS % TO TOTAL DEPOSITS OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.
68.89 77.46 77.55 73.11 78.58 60.45 11.93 19.73
73.27 72.07 73.52 76.10 76.37 59.28 9.93 16.75
61.32 67.73 71.54 69.94 72.39 57.33 8.62 15.03
71.28 76.85 73.79 76.28 77.31 62.73 8.53 13.60
71.81 74.77 76.57 77.82 75.97 61.40 9.15 14.90
65.66 73.42 74.94 72.72 71.80 60.61 7.91 13.05
72.57 80.00 79.59 77.81 75.59 62.02 10.07 16.24
60.10 69.34 69.43 69.20 67.52 52.55 9.53 18.14
65.15 67.28 69.26 74.32 72.23 52.78 12.26 23.24
63.97 66.94 70.18 74.84 72.55 57.08 8.46 14.82
69.38 70.85 75.64 75.33 73.33 62.87 8.24 13.10
61.21 67.57 70.13 65.62 63.68 49.05 10.94 22.30
68.00 69.18 69.60 73.96 72.16 55.59 10.41 18.73
56.38 62.57 66.17 65.12 65.01 48.89 9.47 19.38
72.89 70.71 70.70 65.57 68.15 54.44 12.51 22.97
60.24 66.10 67.83 67.08 69.07 54.58 7.63 13.97
55.10 61.71 65.26 70.91 70.44 55.61 10.38 18.66
68.78 68.46 71.63 74.80 71.30 55.96 10.51 18.78
66.89 68.97 70.08 69.64 69.43 54.81 9.28 16.93
53.81 60.76 73.87 70.99 66.40 50.17 10.14 20.21
62.35 69.07 71.79 73.75 74.84 55.33 10.17 18.38
68.00 65.71 67.30 70.36 77.25 53.11 11.70 22.04
68.53 72.45 68.93 68.65 67.40 53.82 11.81 21.95
72.04 73.24 71.51 69.60 70.17 55.32 11.34 20.50
53.07 59.61 59.31 64.90 62.09 41.80 13.06 31.24
60.14 64.42 66.09 65.04 67.02 49.90 10.60 21.24
65.03 69.12 70.85 71.29 71.08 - - -6.17 5.12 4.30 4.11 4.41 - - -
9.492 7.4 6.074 5.767 6.199 - - -
TABLE 5.1.10 CREDIT AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003
AXIS NE NE NE 105.89 60.16 45.39 59.60 71.36 61.30 53.02 43.56 42.32
BORL 50.77 47.40 44.93 50.06 54.29 50.98 52.37 49.83 53.31 52.84 49.39 41.92
CSBL 52.74 52.62 52.77 57.48 60.38 62.52 54.65 44.41 43.16 45.50 37.94 41.95
CUBL 55.84 53.72 54.95 59.50 67.35 60.47 56.32 54.32 57.40 54.38 51.23 52.41
DEL NE NE NE NE 60.99 59.83 53.11 54.23 59.21 60.22 61.20 68.04
DHAN 45.39 51.40 52.97 62.36 63.47 52.25 52.80 48.97 55.42 58.90 55.38 58.79
FBL 44.50 50.41 49.21 58.46 60.27 65.16 61.04 62.34 62.44 63.32 58.53 56.79
HDFC NE NE NE 15.27 53.76 44.97 38.42 48.04 39.90 39.77 38.60 52.53
ICICI NE NE NE 36.67 89.39 59.22 42.90 34.75 37.07 42.93 146.59 110.61
IIBL NE NE NE 77.46 79.39 62.32 57.35 53.05 56.17 58.95 66.36 62.20
JKAL 63.40 59.76 59.98 50.79 47.12 46.31 44.20 45.79 37.34 42.65 49.75 54.59
KAL 53.80 56.22 57.04 60.91 63.89 57.74 53.35 46.70 47.38 46.55 48.81 47.03
KVBL 43.85 42.55 35.46 48.38 71.13 60.70 54.01 57.05 58.48 62.35 58.85 65.30
LVBL 46.36 46.48 45.47 43.37 53.97 53.72 53.41 57.16 58.57 64.99 63.19 63.66
NBL 42.55 38.07 33.24 33.49 32.57 27.32 22.37 22.81 22.28 22.50 21.51 25.78
RAT 58.42 54.92 56.43 53.37 52.48 56.41 54.65 48.49 42.77 46.11 44.76 48.58
SBI COM NE NE NE NE NA 49.88 55.64 59.29 71.61 57.30 43.64 35.57
SIBL 51.33 49.31 48.22 49.01 59.66 55.06 53.44 53.31 52.02 52.87 54.58 52.66
TMBL 50.62 52.65 54.77 60.74 62.30 59.30 51.45 47.25 47.10 49.67 47.52 47.98
MEAN 50.74 50.42 49.65 54.31 60.70 54.19 51.11 50.48 50.68 51.31 54.81 54.14
S.D. 6.19 5.80 8.14 19.18 12.19 8.88 8.87 10.26 11.60 10.26 24.57 17.33
C.V. 12.21 11.50 16.40 35.31 20.08 16.38 17.36 20.32 22.88 20.01 44.82 32.00
Note: NE- Not Existence NA- Not Available
TABLE 5.1.10 CREDIT AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKS2004 2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.
44.68 49.20 55.63 62.73 68.09 69.48 73.84 60.39 15.92 26.37
32.83 35.67 45.72 52.74 53.68 51.23 55.30 48.70 6.15 12.62
48.92 56.93 62.83 63.44 62.31 58.17 64.01 53.83 8.18 15.19
54.34 65.03 72.48 70.84 70.62 68.79 66.44 60.34 7.13 11.82
54.52 55.36 59.77 60.21 66.98 70.46 72.27 61.09 5.92 9.69
52.82 60.29 62.95 59.49 58.25 64.32 70.53 57.20 6.13 10.72
57.14 58.07 65.64 69.03 72.95 69.54 74.74 61.03 7.80 12.78
58.35 70.33 62.84 68.74 62.94 69.24 75.17 52.43 15.92 30.37
91.17 91.57 88.54 84.97 92.30 99.98 89.70 77.40 31.94 41.27
65.19 68.63 62.04 62.82 67.21 71.33 76.94 65.46 7.77 11.87
49.75 53.21 61.67 67.79 66.04 63.42 61.92 53.97 8.90 16.49
49.62 58.02 58.83 68.05 63.72 58.08 60.83 55.61 6.53 11.74
68.06 69.24 73.32 75.38 75.07 68.93 69.78 60.94 11.69 19.18
61.86 66.30 68.09 71.97 68.68 71.14 69.17 59.35 9.31 15.70
31.04 38.92 53.64 53.70 55.58 52.94 51.38 35.88 12.38 34.50
48.38 54.07 56.15 60.53 53.20 61.29 73.84 53.94 7.05 13.07
32.29 69.61 67.10 67.36 68.67 52.88 41.73 55.18 13.09 23.72
50.69 63.18 66.50 64.70 68.97 65.49 68.76 56.83 7.14 12.56
48.00 54.41 60.09 67.22 69.51 68.70 71.20 56.34 8.33 14.79
52.61 59.90 63.36 65.88 66.57 66.07 67.77 - - -13.81 12.33 8.93 7.44 8.80 10.55 10.51 - - -26.26 20.58 14.09 11.29 13.21 15.97 15.51 - - -
TABLE 5.1.11 TERM DEPOSITS AS % TO TOTAL DEPOSITS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003
SBI 51.80 54.94 55.52 53.84 54.57 55.13 56.50 61.54 60.53 63.67 63.52 62.67
SBBJ 54.80 59.23 58.64 54.99 56.05 57.90 56.87 56.31 58.35 56.52 56.57 53.07
SBH 56.37 56.47 59.34 53.61 59.08 60.15 60.70 60.16 62.11 63.23 65.38 66.42
SBID 53.04 55.50 57.56 55.49 56.20 53.75 55.76 56.27 59.10 65.09 66.85 67.37
SBM 59.30 64.34 62.72 62.18 62.69 61.42 62.13 63.22 64.57 65.32 64.82 63.55
SBP 51.12 55.51 52.71 57.01 59.69 58.36 56.00 53.96 54.15 56.61 58.26 61.91
SBT 62.09 65.97 65.10 64.36 67.59 68.37 65.84 66.18 66.86 66.29 68.04 68.74
ALLH 50.24 59.55 58.62 55.07 58.38 58.77 59.11 58.26 58.07 57.98 57.77 56.83
ANDH 66.47 70.03 68.05 63.42 65.44 64.61 64.93 69.57 69.93 75.23 71.69 69.47
BOB 66.17 69.13 67.33 66.24 66.98 67.00 68.07 67.84 68.10 67.01 67.03 66.27
BOI 64.42 67.95 66.77 63.00 64.64 63.91 68.48 67.38 66.47 66.99 66.37 67.93
BOMH 51.56 53.54 53.26 51.02 51.06 54.01 57.91 58.15 61.65 65.79 65.57 67.58
CAN 59.73 61.10 59.26 57.27 59.74 60.48 62.26 63.20 62.01 65.07 66.17 65.19
CBOI 53.51 56.77 54.45 55.19 56.82 56.82 58.99 58.39 58.45 60.33 60.57 59.14
CORPT 56.25 60.73 62.04 63.32 63.31 61.51 70.50 74.23 72.91 73.53 73.99 71.47
DENA 51.98 57.36 55.10 51.78 56.88 58.15 64.56 64.99 62.75 61.68 60.64 60.26
IND 74.21 81.82 74.96 73.04 71.82 71.42 69.18 68.02 70.24 71.76 70.65 67.78
IOB 69.68 72.05 68.43 65.44 67.05 65.23 63.30 67.32 67.84 68.44 70.02 67.85
OBC 62.81 66.95 65.98 65.19 69.28 68.65 70.92 73.12 74.92 74.40 74.88 71.46
PNB 57.41 64.20 64.05 65.75 67.69 66.20 68.48 69.55 68.79 69.01 67.05 63.66
PSB 55.60 57.78 56.95 54.50 58.01 58.76 56.40 54.57 55.12 55.74 55.68 53.13
SYND 64.98 66.57 65.88 61.27 62.57 62.47 64.34 64.99 65.54 62.84 62.09 60.60
UCO 68.66 68.34 61.65 60.04 59.70 60.50 60.25 60.55 59.92 60.99 63.20 64.98
UBI 56.52 59.98 60.90 60.77 63.56 61.81 62.16 65.26 60.59 58.47 58.90 63.78
UNI 56.04 61.54 59.32 56.69 59.10 62.35 62.19 63.16 63.55 63.17 59.89 57.28
VIJ 61.45 64.82 61.89 61.59 61.72 59.34 62.20 62.32 63.56 66.03 67.57 67.80
MEAN 59.09 62.78 61.40 59.69 61.52 61.43 62.62 63.40 63.70 64.66 64.74 64.08
S.D. 6.52 6.55 5.42 5.42 5.06 4.54 4.71 5.47 5.27 5.40 5.22 5.10
C.V. 11.041 10.432 8.8199 9.0746 8.2249 7.397 7.5148 8.6199 8.278 8.3557 8.0654 7.9574
TABLE 5.1.11 TERM DEPOSITS AS % TO TOTAL DEPOSITS OF PUBLIC SECTOR BANKS2004 2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.
59.23 58.72 52.45 51.52 53.04 58.36 52.74 56.86 4.08 7.17
54.49 56.88 57.94 64.99 64.74 62.18 60.94 57.97 3.26 5.63
65.61 67.37 65.66 68.62 69.40 69.33 71.55 63.19 5.06 8.01
65.65 69.17 69.17 70.82 68.27 69.79 66.82 62.19 6.43 10.34
63.77 64.31 64.49 68.05 68.13 71.12 68.42 64.45 2.82 4.37
65.59 68.37 70.42 72.76 74.11 77.40 74.00 62.00 8.38 13.51
68.30 70.38 69.60 71.67 70.72 67.57 69.59 67.54 2.38 3.52
58.10 61.31 60.72 62.03 63.96 65.40 65.50 59.25 3.55 5.99
62.66 63.85 63.69 65.47 66.43 68.59 70.57 67.37 3.35 4.97
63.61 63.55 62.06 66.82 68.78 70.41 70.38 66.99 2.15 3.22
66.34 65.45 64.98 67.78 69.39 73.24 72.16 67.03 2.60 3.87
68.21 66.95 57.17 56.84 57.85 64.31 63.09 59.24 5.98 10.09
66.22 66.21 66.71 68.48 68.51 69.95 70.91 64.13 3.94 6.15
56.73 56.44 53.20 57.91 63.86 66.64 65.56 58.41 3.72 6.38
66.01 65.41 65.67 65.93 64.99 68.56 71.45 66.94 5.17 7.72
58.46 57.97 56.35 55.49 60.76 65.22 64.04 59.18 4.11 6.95
66.47 65.14 65.18 64.59 67.65 68.37 67.79 70.01 4.16 5.94
65.63 61.12 60.09 65.14 66.55 69.75 67.45 66.76 2.99 4.48
71.44 71.74 67.35 69.70 72.10 76.26 75.03 70.64 3.77 5.34
58.49 53.71 47.87 54.28 63.66 72.24 74.96 64.06 6.88 10.74
54.13 53.66 51.01 53.84 57.01 61.17 59.15 55.91 2.42 4.33
66.10 62.95 61.82 69.37 69.05 72.40 68.77 64.98 3.19 4.90
67.60 70.77 70.45 70.80 74.34 75.89 75.35 66.00 5.74 8.70
64.22 67.32 67.64 65.50 65.14 69.93 68.27 63.20 3.65 5.77
55.17 53.42 53.62 57.97 61.43 62.21 61.89 59.47 3.31 5.57
69.18 67.44 64.68 69.21 72.70 75.97 75.38 66.05 4.81 7.29
63.36 63.45 61.92 64.45 66.25 68.93 68.15 - - -4.88 5.48 6.43 6.19 5.21 4.87 5.51 - - -
7.7025 8.6408 10.378 9.5993 7.8631 7.0674 8.0909 - - -
TABLE 5.1.12 TERM DEPOSITS AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
AXIS NE NE NE 88.37 63.58 86.11 89.11 83.17 83.01 84.62 83.50 76.96 61.92 62.02
BORL 55.20 59.03 58.61 59.42 61.05 67.19 64.78 61.29 59.48 58.27 57.09 63.93 70.23 67.26
CSBL 63.76 67.49 69.20 69.13 73.62 75.90 78.80 76.69 74.77 76.23 78.20 77.59 73.68 72.38
CUBL 62.35 64.74 68.04 66.10 70.00 74.49 78.69 80.33 75.99 76.25 78.74 79.29 79.49 78.15
DEL NE NE NE NE 60.52 73.12 80.40 81.73 83.11 86.34 84.58 83.02 81.21 77.29
DHAN 63.77 69.16 72.76 74.66 80.46 84.82 84.18 82.66 79.21 79.37 79.40 75.60 75.13 73.13
FBL 66.18 71.21 67.47 68.93 78.21 81.55 84.58 81.15 77.76 76.52 77.27 78.85 76.91 75.48
HDFC NE NE NE 94.41 64.39 62.67 61.19 54.44 53.67 59.18 59.34 57.03 45.28 39.35
ICICI NE NE NE 52.58 71.81 72.84 82.24 86.77 78.50 72.51 83.69 84.47 77.05 75.73
IIBL NE NE NE 91.51 90.31 92.29 90.97 86.97 84.64 88.95 87.04 87.82 88.83 89.31
JKAL 44.31 42.55 46.79 50.98 54.03 57.50 62.24 63.39 63.73 69.21 65.95 66.61 69.74 68.00
KAL 64.73 67.34 67.18 65.34 70.22 73.91 79.36 80.48 78.82 80.41 81.31 81.48 79.72 78.40
KVBL 66.17 69.69 77.03 76.35 76.46 78.91 82.23 80.32 79.81 78.52 78.05 78.53 77.13 75.56
LVBL 53.99 62.72 67.10 70.55 72.22 75.57 75.59 72.57 72.34 75.56 74.91 73.79 74.28 74.38
NBL 51.10 57.34 56.17 51.18 55.03 55.79 52.37 50.04 54.82 55.29 53.53 53.27 48.84 50.65
RAT 64.13 69.09 67.89 70.83 68.92 71.97 75.02 76.55 74.21 76.70 76.59 77.69 73.80 71.53
SBI COM NE NE NE NE NA 92.69 94.43 94.22 92.44 93.35 95.04 94.22 88.81 89.12
SIBL 64.56 69.80 71.41 73.28 76.26 77.61 80.30 78.37 78.10 79.76 81.04 80.81 79.03 75.21
TMBL 51.01 53.96 58.69 60.01 61.41 65.02 70.61 69.46 71.90 73.14 74.83 75.73 74.76 73.62
MEAN 59.33 63.39 65.26 69.63 69.36 74.73 77.22 75.82 74.54 75.80 76.32 76.14 73.46 71.92
S.D. 7.24 8.27 8.09 13.08 9.33 10.28 10.84 11.44 10.16 9.98 10.54 9.98 11.15 11.59
C.V. 12.21 13.05 12.40 18.79 13.46 13.76 14.03 15.08 13.62 13.17 13.81 13.10 15.18 16.12
Note: NE- Not Existence NA- Not Available
TABLE 5.1.12 TERM DEPOSITS AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.
60.02 60.14 54.32 56.85 53.27 71.69 13.59 18.95
63.33 68.16 70.41 72.59 67.21 63.40 5.09 8.02
71.12 71.17 72.17 73.97 74.88 73.20 3.91 5.34
77.05 75.69 79.08 81.10 78.14 74.93 5.74 7.66
67.94 71.65 75.73 68.99 64.64 76.02 7.89 10.38
71.08 71.63 70.77 75.70 78.14 75.88 5.45 7.19
74.98 74.77 74.91 75.50 73.81 75.58 4.70 6.22
44.55 42.32 45.51 55.63 47.97 55.43 12.98 23.42
77.28 78.22 73.91 71.30 58.31 74.82 8.96 11.98
87.13 85.08 84.30 80.76 76.33 87.02 4.14 4.76
65.83 62.98 60.84 61.89 59.31 59.78 8.33 13.93
79.12 76.63 77.86 80.05 76.74 75.74 5.76 7.60
73.09 72.29 74.41 78.11 76.47 76.27 3.84 5.03
76.92 77.96 78.33 83.22 81.78 73.36 6.60 9.00
45.97 50.88 54.66 56.73 57.60 53.22 3.16 5.93
61.70 62.16 61.66 66.53 63.88 70.04 5.50 7.85
85.18 85.33 87.66 92.66 84.59 90.69 3.80 4.19
73.59 76.06 75.92 76.20 76.87 76.01 4.14 5.44
71.58 72.09 75.09 77.99 75.03 68.73 7.96 11.59
69.87 70.27 70.92 72.93 69.74 - - -11.23 10.77 10.82 9.87 10.45 - - -16.07 15.32 15.25 13.53 14.98 - - -
TABLE 5.1.13 SAVING DEPOSITS AS % TOTAL DEPOSITS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004
SBI 20.00 18.99 20.25 22.30 22.11 21.71 22.28 20.30 21.09 19.72 20.84 22.21 24.98
SBBJ 27.09 24.27 25.24 26.69 26.49 25.62 26.02 26.67 26.59 27.78 28.21 29.42 30.79
SBH 21.69 18.96 18.82 20.25 20.56 19.81 19.84 19.29 19.20 18.76 18.35 19.13 19.61
SBID 29.02 25.69 23.89 25.40 24.46 24.58 25.83 25.47 24.53 22.82 22.17 21.49 23.22
SBM 24.68 20.37 21.59 21.62 22.77 21.71 22.24 22.52 22.59 23.58 23.32 25.43 25.45
SBP 31.84 26.28 23.72 24.64 22.42 21.71 23.33 25.41 26.00 25.70 25.68 24.25 23.73
SBT 28.08 25.30 24.79 24.51 22.64 20.31 21.19 23.06 22.86 22.93 22.91 24.30 24.13
ALLH 27.47 24.27 26.55 29.37 30.46 30.90 31.47 32.04 32.32 32.84 33.97 34.27 32.86
ANDH 21.12 19.12 20.12 23.21 22.92 22.13 23.86 21.64 19.15 17.66 20.77 22.91 27.67
BOB 16.73 16.18 17.53 19.26 19.87 19.97 19.94 20.41 21.13 22.57 22.73 24.74 27.11
BOI 16.95 17.15 18.40 19.99 20.19 19.25 18.57 19.17 20.77 21.60 21.58 23.27 25.44
BOMH 36.52 33.54 34.91 35.45 35.28 31.88 29.63 28.56 26.83 23.84 24.28 23.80 23.31
CAN 22.86 20.59 20.68 23.24 22.06 21.32 21.23 22.74 23.19 21.65 22.66 23.94 23.76
CBOI 26.68 25.67 26.62 29.19 29.48 29.64 29.62 29.75 29.36 29.25 29.06 30.11 32.19
CORPT 18.39 15.58 14.56 12.78 15.91 16.43 14.07 12.69 13.71 13.57 13.79 15.08 18.64
DENA 32.58 28.36 28.75 29.92 29.37 27.60 24.55 24.67 25.21 27.11 28.41 29.43 30.96
IND 14.97 12.14 14.30 15.98 17.16 17.58 19.94 20.45 20.54 20.64 21.98 24.33 25.85
IOB 18.81 16.81 17.66 18.35 18.97 20.12 23.93 19.76 21.43 21.63 21.62 22.24 24.28
OBC 23.43 19.99 20.46 21.17 18.87 19.24 18.51 17.74 16.55 17.21 17.02 19.33 19.83
PNB 31.11 25.71 25.95 23.71 23.30 23.86 23.43 22.17 23.42 24.02 26.26 29.08 32.48
PSB 28.38 25.63 28.82 30.86 30.50 30.63 32.88 33.55 33.43 33.01 33.79 33.83 34.60
SYND 24.22 21.51 22.20 23.27 24.04 22.97 23.45 23.97 24.00 26.20 26.31 28.19 24.39
UCO 19.79 19.15 23.62 25.15 25.43 25.54 26.51 27.19 27.47 26.98 25.37 25.18 23.67
UBI 27.32 24.70 23.95 22.75 22.09 22.61 23.71 22.43 23.89 24.15 24.38 24.97 25.88
UNI 30.47 27.04 28.33 28.67 29.15 27.59 28.39 27.37 27.14 28.54 30.97 33.30 35.28
VIJ 23.90 20.36 19.54 18.77 21.08 21.03 20.09 20.52 19.79 20.17 19.72 20.63 21.16
MEAN 24.77 22.05 22.74 23.71 23.75 23.30 23.63 23.44 23.55 23.61 24.08 25.19 26.20
S.D. 5.52 4.77 4.76 4.99 4.64 4.23 4.36 4.62 4.47 4.62 4.77 4.68 4.63
C.V. 22.276 21.628 20.943 21.035 19.528 18.17 18.431 19.689 18.985 19.549 19.817 18.581 17.666
TABLE 5.1.13 SAVING DEPOSITS AS % TOTAL DEPOSITS OF PUBLIC SECTOR BANKS2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.
25.86 29.66 29.65 28.70 26.71 32.02 23.65 3.97 16.77
29.04 30.23 26.48 25.13 28.30 31.39 27.45 2.00 7.28
18.79 20.15 19.13 18.78 18.36 18.76 19.38 0.84 4.34
20.17 20.80 20.02 20.60 21.31 23.98 23.45 2.38 10.14
25.72 26.01 23.59 22.73 21.97 24.10 23.26 1.61 6.92
22.73 20.88 19.97 18.03 17.36 19.69 23.33 3.37 14.45
22.53 24.07 22.83 23.45 27.06 25.70 23.82 1.87 7.84
30.60 30.86 28.75 27.97 26.80 26.66 30.02 2.81 9.38
26.86 27.22 25.70 24.65 22.63 20.75 22.63 2.85 12.57
28.00 29.00 25.28 23.53 22.08 21.78 21.99 3.64 16.53
26.81 27.13 24.40 22.29 20.13 20.92 21.26 3.00 14.09
24.73 32.19 31.01 29.97 26.10 27.11 29.42 4.45 15.14
24.54 24.51 22.78 22.89 22.37 21.26 22.54 1.20 5.31
33.46 35.32 31.79 27.07 25.66 25.15 29.21 2.71 9.26
19.56 19.89 18.07 16.06 13.64 14.05 15.60 2.30 14.77
31.87 33.57 32.66 30.17 26.47 26.90 28.87 2.70 9.36
26.65 26.96 27.70 24.59 24.34 24.70 21.10 4.70 22.30
27.55 28.63 24.94 22.78 22.13 23.87 21.87 3.20 14.61
19.24 22.65 20.36 17.93 15.91 16.47 19.05 2.05 10.76
36.36 35.70 34.70 27.99 21.56 18.62 26.81 5.11 19.05
34.26 35.02 34.38 32.30 29.87 31.34 31.95 2.51 7.86
26.29 26.95 20.95 19.72 18.51 22.53 23.67 2.48 10.49
21.26 22.21 20.76 18.42 16.81 17.35 23.05 3.49 15.13
24.58 24.29 24.38 23.46 20.58 22.19 23.80 1.51 6.33
35.99 35.67 31.40 27.76 27.89 28.36 29.96 3.00 10.00
21.06 22.99 19.70 17.25 16.45 17.31 20.08 1.81 9.01
26.33 27.41 25.44 23.62 22.35 23.19 - - -5.10 5.07 5.03 4.45 4.37 4.74 - - -
19.366 18.518 19.792 18.854 19.574 20.449 - - -
TABLE 5.1.14 SAVING DEPOSITS AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
AXIS NE NE NE 0.55 0.83 0.97 2.30 4.84 5.36 6.26 7.13 8.39 12.33 15.42
BORL 22.39 20.04 19.57 18.02 15.73 15.04 18.25 20.83 21.52 22.47 23.85 20.36 17.19 18.68
CSBL 24.57 20.70 19.69 19.58 16.21 15.97 14.25 15.27 15.80 15.42 15.65 17.09 20.01 21.47
CUBL 20.62 17.75 15.50 14.87 14.10 11.62 10.22 10.67 12.38 11.58 11.23 11.25 11.38 12.48
DEL NE NE NE NE 20.27 12.10 11.31 9.91 8.78 7.82 8.00 9.53 10.60 13.88
DHAN 26.76 21.26 18.48 16.57 11.65 8.03 9.30 10.49 11.42 12.13 13.11 13.74 15.01 15.27
FBL 20.08 19.14 16.56 17.71 14.02 12.68 10.33 12.49 15.47 14.95 15.14 15.78 17.90 18.86
HDFC NE NE NE 0.36 2.52 5.37 8.09 11.89 13.35 16.32 16.75 20.84 25.66 31.41
ICICI NE NE NE 1.50 2.54 3.69 3.95 3.74 5.41 11.48 7.78 7.87 12.29 11.41
IIBL NE NE NE 0.89 0.74 0.87 1.03 1.87 2.05 1.99 2.05 2.62 3.52 3.88
JKAL 29.21 26.18 27.14 28.18 27.12 24.77 21.34 18.87 16.94 16.77 18.27 19.16 18.60 19.34
KAL 24.55 22.11 21.91 22.29 19.04 16.33 13.26 12.71 13.42 13.09 12.98 12.90 14.23 14.82
KVBL 12.42 11.72 8.57 7.50 9.84 8.51 7.78 8.53 8.98 9.30 9.90 10.34 11.82 12.67
LVBL 16.28 15.94 14.05 10.54 11.93 10.38 10.51 11.96 12.13 11.74 12.60 12.57 13.28 13.40
NBL 39.40 34.78 35.97 38.95 35.61 33.97 36.52 38.40 35.95 35.64 36.65 39.28 42.66 40.85
RAT 23.44 19.05 20.17 17.71 17.91 16.16 13.70 13.86 13.00 13.41 13.68 12.82 15.19 15.94
SBI COM NE NE NE NE NA 2.13 1.47 1.94 2.32 2.43 2.52 3.15 7.96 7.45
SIBL 24.19 20.65 19.46 18.33 16.55 15.65 13.53 15.46 15.77 15.39 14.04 14.40 16.17 19.15
TMBL 18.40 15.48 13.63 13.09 13.03 12.07 10.71 11.18 10.89 10.70 10.79 10.97 12.27 12.42
MEAN 23.25 20.37 19.28 14.51 13.87 11.91 11.47 12.36 12.68 13.10 13.27 13.85 15.69 16.78
S.D. 6.58 5.58 6.74 10.43 8.99 8.19 8.08 8.13 7.55 7.36 7.69 7.95 8.07 8.17
C.V. 28.31 27.40 34.94 71.86 64.81 68.76 70.46 65.79 59.56 56.14 57.96 57.39 51.42 48.68
Note: NE- Not Existence NA- Not Available
TABLE 5.1.14 SAVING DEPOSITS AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.
20.11 20.63 22.80 22.00 23.96 10.87 8.67 79.80
20.93 19.07 17.90 17.70 22.31 19.57 2.39 12.20
23.24 23.22 22.42 21.07 20.93 19.08 3.24 16.96
13.63 12.10 11.26 10.43 11.19 12.86 2.71 21.05
19.08 16.36 13.82 16.61 19.20 13.15 4.26 32.41
17.90 17.02 17.81 15.03 13.92 15.00 4.42 29.51
19.77 19.60 19.44 20.02 21.11 16.90 3.06 18.14
29.01 28.68 25.95 24.45 29.79 18.15 10.32 56.84
12.68 12.51 15.99 18.79 26.34 9.87 6.72 68.05
4.86 5.22 6.23 5.88 7.17 3.18 2.12 66.62
21.35 23.21 24.14 24.10 27.56 22.75 4.10 18.03
14.11 15.67 15.56 14.26 16.07 16.28 3.77 23.19
14.36 14.56 13.33 11.98 12.89 10.79 2.23 20.69
12.63 11.95 11.72 10.10 11.29 12.37 1.69 13.67
43.52 38.76 37.99 37.24 36.34 37.81 2.57 6.78
21.33 20.43 19.61 16.62 18.62 16.98 3.17 18.64
6.63 5.37 5.79 5.85 13.04 4.86 3.24 66.70
20.53 18.88 18.97 19.12 18.56 17.62 2.72 15.46
14.03 14.14 12.88 12.02 13.19 12.73 1.93 15.13
18.41 17.76 17.56 17.01 19.13 - - -8.38 7.73 7.43 7.36 7.41 - - -
45.55 43.54 42.30 43.25 38.75 - - -
TABLE 5.1.15 DEMAND DEPOSITS AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
SBI 28.19 26.07 24.23 23.86 23.32 23.17 21.22 18.16 18.38 16.61 15.64 15.12 15.78 15.42SBBJ 18.11 16.50 16.12 18.32 17.46 16.48 17.11 17.02 15.06 15.70 15.22 17.51 14.71 14.07SBH 21.95 24.56 21.85 26.13 20.36 20.03 19.46 20.55 18.69 18.01 16.27 14.45 14.78 13.84SBID 17.93 18.82 18.54 19.12 19.34 21.67 18.41 18.26 16.37 12.09 10.98 11.14 11.13 10.66SBM 16.02 15.30 15.70 16.20 14.55 16.87 15.63 14.26 12.85 11.10 11.87 11.02 10.78 9.96SBP 17.03 18.21 23.57 18.35 17.89 19.93 20.67 20.63 19.85 17.69 16.07 13.84 10.69 8.90SBT 9.82 8.72 10.11 11.13 9.77 11.32 12.97 10.76 10.28 10.78 9.04 6.96 7.57 7.09
ALLH 22.28 16.18 14.82 15.55 11.16 10.33 9.43 9.69 9.62 9.18 8.26 8.91 9.04 8.09ANDH 12.41 10.86 11.83 13.38 11.64 13.26 11.20 8.79 10.92 7.11 7.55 7.62 9.67 9.29BOB 17.10 14.68 15.14 14.51 13.15 13.03 11.99 11.75 10.77 10.42 10.24 8.99 9.28 8.45BOI 18.63 14.90 14.83 17.01 15.17 16.84 12.95 13.45 12.76 11.41 12.05 8.80 8.22 7.74
BOMH 11.92 12.92 11.83 13.53 13.66 14.11 12.45 13.29 11.53 10.37 10.15 8.63 8.48 8.32CAN 17.41 18.31 20.06 19.49 18.20 18.20 16.51 14.06 14.80 13.28 11.16 10.87 10.02 9.25CBOI 19.81 17.56 18.92 15.63 13.70 13.54 11.40 11.86 12.18 10.42 10.37 10.75 11.08 10.10
CORPT 25.36 23.69 23.40 23.91 20.78 22.05 15.43 13.07 13.38 12.90 12.23 13.45 15.35 15.03DENA 15.44 14.29 16.14 18.30 13.75 14.25 10.89 10.33 12.04 11.21 10.95 10.30 10.58 10.16IND 10.81 6.03 10.73 10.98 11.01 11.00 10.88 11.52 9.22 7.60 7.36 7.89 7.69 8.21IOB 11.50 11.13 13.91 16.20 13.98 14.64 12.77 12.92 10.72 9.92 8.36 9.91 10.09 11.33OBC 13.76 13.06 13.56 13.64 11.86 12.11 10.56 9.14 8.53 8.39 8.10 9.21 8.73 9.01PNB 11.48 10.10 10.00 10.55 9.01 9.94 8.09 8.29 7.78 6.97 6.69 7.26 9.04 9.92PSB 16.02 16.58 14.22 14.64 11.49 10.62 10.72 11.88 11.45 11.24 10.54 13.04 11.26 12.08
SYND 10.80 11.92 11.92 15.46 13.38 14.56 12.21 11.04 10.46 10.96 11.60 11.21 9.52 10.76UCO 11.54 12.51 14.73 14.82 14.87 13.96 13.23 12.26 12.61 12.03 11.43 9.84 8.73 7.98UBI 16.16 15.33 15.15 16.48 14.35 15.58 14.13 12.31 15.52 17.39 16.72 11.25 9.90 8.10UNI 13.49 11.42 12.35 14.64 11.74 10.06 9.42 9.46 9.31 8.30 9.14 9.42 9.55 10.59VIJ 14.65 14.82 18.57 19.64 17.20 19.62 17.71 17.16 16.65 13.80 12.71 11.57 9.65 11.49
MEAN 16.14 15.17 15.86 16.59 14.72 15.28 13.75 13.15 12.76 11.73 11.18 10.73 10.44 10.23S.D. 4.65 4.69 4.17 3.88 3.62 3.95 3.61 3.50 3.27 3.20 2.88 2.59 2.29 2.29C.V. 28.8 30.93 26.29 23.36 24.62 25.86 26.27 26.64 25.6 27.31 25.76 24.1 21.9 22.4
TABLE 5.1.15 DEMAND DEPOSITS AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.17.89 18.83 18.26 14.92 15.24 19.49 4.15 21.3111.84 8.53 10.13 9.52 7.68 14.58 3.37 23.1214.19 12.25 11.82 12.31 9.68 17.43 4.61 26.4610.03 9.16 11.13 8.90 9.20 14.36 4.41 30.729.49 8.36 9.14 6.91 7.47 12.29 3.23 26.268.70 7.27 7.87 5.24 6.31 14.67 5.79 39.486.33 5.51 5.83 5.37 4.71 8.64 2.41 27.908.42 9.22 8.07 7.79 7.84 10.73 3.81 35.489.09 8.83 8.92 8.78 8.68 9.99 1.91 19.118.95 7.91 7.69 7.51 7.84 11.02 2.90 26.367.89 7.81 8.31 6.63 6.91 11.70 3.85 32.89
10.65 12.15 12.18 9.59 9.79 11.34 1.83 16.148.79 8.74 8.60 7.68 7.84 13.33 4.41 33.05
11.48 10.30 9.07 7.70 9.30 12.38 3.37 27.2414.44 16.00 18.96 17.81 14.51 17.46 4.39 25.1510.08 11.85 9.08 8.31 9.05 11.95 2.69 22.547.85 7.71 7.76 7.29 7.51 8.90 1.74 19.59
11.28 9.91 10.67 8.12 8.67 11.37 2.21 19.3910.00 9.93 9.97 7.84 8.50 10.31 2.04 19.8116.43 11.02 8.35 6.20 6.42 9.13 2.38 26.0213.97 11.77 10.69 8.97 9.51 12.14 2.08 17.1611.24 9.68 11.23 9.08 8.70 11.35 1.71 15.097.34 8.44 7.24 7.30 7.30 10.96 2.81 25.658.07 10.12 11.40 9.49 9.54 13.00 3.14 24.18
10.71 10.64 10.81 9.89 9.75 10.56 1.59 15.0512.33 11.09 10.06 7.59 7.30 13.88 3.88 28.0010.67 10.12 10.12 8.72 8.66 - - -2.84 2.73 2.95 2.73 2.21 - - -
26.58 26.98 29.11 31.28 25.5 - - -
TABLE 5.1.16 DEMAND DEPOSITS AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006
AXIS NE NE NE 11.08 35.59 12.92 8.59 11.99 11.64 9.12 9.37 14.65 25.74 22.56 19.87
BORL 22.41 20.93 21.82 22.55 23.22 17.76 16.97 17.89 19.01 19.26 19.06 15.70 12.58 14.05 15.74
CSBL 11.68 11.82 11.11 11.29 10.17 8.13 6.95 8.04 9.43 8.35 6.15 5.32 6.31 6.16 5.64
CUBL 17.02 17.51 16.46 19.04 15.90 13.89 11.08 9.01 11.63 12.17 10.03 9.46 9.13 9.38 9.32
DEL NE NE NE NE 19.21 14.78 8.29 8.36 8.11 5.85 7.42 7.45 8.19 8.83 12.98
DHAN 9.47 9.59 8.75 8.76 7.90 7.15 6.52 6.85 9.36 8.50 7.49 10.67 9.86 11.60 11.02
FBL 13.74 9.65 15.97 13.35 7.76 5.77 5.10 6.37 6.77 8.53 7.60 5.37 5.20 5.67 5.25
HDFC NE NE NE 5.23 33.09 31.97 30.72 33.67 32.99 24.50 23.91 22.13 29.05 29.24 26.44
ICICI NE NE NE 45.92 25.65 23.47 13.81 9.49 16.09 16.01 8.53 7.66 10.66 12.86 10.04
IIBL NE NE NE 7.60 8.95 6.84 8.00 11.16 13.30 9.06 10.91 9.56 7.65 6.81 8.01
JKAL 26.48 31.27 26.07 20.84 18.85 17.73 16.42 17.74 19.33 14.02 15.78 14.23 11.66 12.66 12.82
KAL 10.73 10.54 10.91 12.37 10.73 9.76 7.38 6.81 7.76 6.50 5.71 5.62 6.05 6.79 6.77
KVBL 21.42 18.59 14.40 16.15 13.70 12.58 9.98 11.14 11.20 12.18 12.05 11.13 11.05 11.77 12.55
LVBL 29.73 21.33 18.85 18.92 15.85 14.05 13.90 15.47 15.53 12.70 12.49 13.63 12.44 12.21 10.45
NBL 9.50 7.89 7.86 9.87 9.36 10.24 11.12 11.56 9.23 9.06 9.81 7.44 8.51 8.50 10.51
RAT 12.42 11.84 11.94 11.46 13.17 11.87 11.28 9.60 12.79 9.89 9.73 9.48 11.01 12.52 16.96
SBI COM NE NE NE NE NA 5.17 4.09 3.85 5.24 4.22 2.44 2.63 3.23 3.43 8.19
SIBL 11.26 9.55 9.13 8.39 7.18 6.74 6.17 6.18 6.13 4.85 4.92 4.78 4.80 5.64 5.88
TMBL 30.59 30.56 27.68 26.90 25.56 22.92 18.69 19.36 17.21 16.16 14.38 13.30 12.98 13.96 14.38
MEAN 17.42 16.24 15.46 15.87 16.77 13.35 11.32 11.82 12.78 11.10 10.41 10.01 10.85 11.30 11.73
S.D. 7.79 7.96 6.53 9.75 8.75 7.01 6.26 6.83 6.47 5.16 5.13 4.76 6.50 6.15 5.34
C.V. 44.73 49.00 42.22 61.42 52.16 52.47 55.33 57.81 50.63 46.47 49.28 47.57 59.95 54.43 45.53
Note: NE- Not Existence NA- Not Available
TABLE 5.1.16 DEMAND DEPOSITS AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKS2007 2008 2009 2010 MEAN S.D. C.V.
19.23 22.88 21.15 22.77 17.45 7.53 43.14
12.77 11.68 9.71 10.48 17.03 4.25 24.97
5.62 5.41 4.96 4.19 7.72 2.51 32.55
12.21 9.66 8.47 10.67 12.21 3.38 27.66
11.99 10.45 14.41 16.16 10.83 3.89 35.93
11.35 11.42 9.27 7.94 9.13 1.59 17.40
5.64 5.65 4.48 5.08 7.52 3.35 44.48
29.01 28.54 19.92 22.24 26.41 7.08 26.82
9.27 10.10 9.91 15.34 15.30 9.66 63.15
9.70 9.47 13.36 16.50 9.81 2.68 27.36
13.81 15.02 14.01 13.14 17.47 5.36 30.70
7.70 6.58 5.69 7.19 7.98 2.13 26.74
13.15 12.27 9.91 10.64 12.94 2.95 22.79
10.10 9.95 6.69 6.93 14.27 5.34 37.39
10.36 7.35 6.03 6.06 8.96 1.57 17.47
17.41 18.73 16.85 17.50 12.97 2.99 23.06
9.30 6.56 1.49 2.37 4.44 2.26 50.93
5.06 5.10 4.67 4.57 6.37 1.92 30.12
13.77 12.04 9.99 11.78 18.54 6.74 36.36
11.97 11.52 10.05 11.13 - - -5.55 6.13 5.38 6.01 - - -
46.34 53.22 53.54 53.98 - - -
TABLE 5.1.17 ESTABLISHMENT EXPENSES AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
SBI 1.66 1.86 1.76 2.16 2.32 2.12 1.98 1.86 1.71 1.90 1.48 1.51 1.58 1.50
SBBJ 2.64 2.57 2.40 2.61 2.67 2.28 2.52 2.45 2.13 2.37 1.86 1.77 1.78 1.77
SBH 1.92 1.84 1.55 1.77 2.15 1.90 1.85 2.12 1.62 1.75 1.28 1.17 1.11 1.14
SBID 2.30 2.29 2.14 2.38 2.54 2.45 2.33 2.40 2.13 1.89 1.52 1.46 1.36 1.16
SBM 2.55 2.54 2.27 2.20 2.75 2.61 2.63 2.73 2.69 2.98 2.33 2.19 1.93 2.00
SBP 1.65 1.49 1.46 1.68 1.77 1.90 1.87 1.76 1.72 2.01 1.43 1.23 1.05 0.93
SBT 1.90 1.94 1.68 1.81 2.07 2.14 1.66 1.59 1.78 1.91 1.49 1.42 1.32 1.17
ALLH 1.60 1.58 1.63 1.83 2.06 2.00 1.80 1.87 1.86 2.18 1.99 1.83 1.61 1.51
ANDH 1.98 2.06 1.90 2.37 2.35 2.25 2.15 2.07 1.65 1.66 1.49 1.61 1.52 1.65
BOB 1.44 1.42 1.37 1.59 1.60 1.61 1.61 1.62 1.53 1.81 1.49 1.48 1.47 1.46
BOI 1.48 1.66 1.64 1.93 1.98 1.88 1.66 1.71 1.78 2.25 1.56 1.47 1.38 1.33
BOMH 2.48 2.51 2.32 2.43 3.03 2.71 2.49 2.48 2.13 2.23 1.56 1.42 1.15 1.56
CAN 1.81 1.66 1.63 1.84 1.89 1.80 1.60 1.83 1.75 1.89 1.55 1.42 1.28 1.25
CBOI 2.12 2.21 2.07 2.32 2.68 2.45 2.34 2.35 2.39 2.44 2.13 2.08 1.87 1.86
CORPT 1.82 1.73 1.40 1.26 1.37 1.40 1.15 1.10 1.06 1.02 0.91 0.97 0.98 0.92
DENA 2.55 2.39 2.15 2.46 2.25 2.18 2.00 1.86 1.74 2.43 1.71 1.82 1.53 1.75
IND 1.47 1.24 1.49 1.50 2.04 2.07 2.01 1.99 2.10 2.23 1.86 1.63 2.20 1.45
IOB 1.90 1.88 1.73 0.16 2.07 2.05 1.90 2.08 2.09 2.21 1.86 1.75 1.59 1.66
OBC 1.52 1.48 1.34 1.32 1.35 1.33 1.25 1.15 0.94 1.16 0.89 1.02 0.89 0.73
PNB 2.31 2.42 2.07 1.79 2.25 2.19 2.00 1.78 2.04 2.28 2.04 2.17 3.20 2.91
PSB 1.66 1.72 1.89 2.11 2.41 2.31 2.19 2.31 2.19 2.30 1.81 1.71 1.62 1.92
SYND 2.80 2.69 2.33 2.73 2.70 2.76 2.59 2.69 2.46 3.12 2.57 2.47 1.85 1.84
UCO 1.89 1.98 2.33 2.27 2.74 2.59 2.38 2.33 2.15 2.26 2.19 1.98 1.52 1.57
UBI 2.19 2.07 1.79 1.70 1.89 1.86 1.69 1.65 1.75 1.94 1.55 1.35 1.24 1.11
UNI 2.13 2.09 2.04 2.19 2.46 2.28 2.15 1.98 1.98 2.08 2.86 1.98 1.99 1.71
VIJ 2.62 2.48 2.20 1.97 2.45 2.38 2.12 1.99 2.13 2.32 1.89 2.25 1.38 1.09
MEAN 2.01 1.99 1.87 1.94 2.22 2.14 2.00 1.99 1.90 2.10 1.74 1.66 1.55 1.50
S.D. 0.41 0.41 0.34 0.53 0.43 0.37 0.39 0.41 0.39 0.45 0.45 0.38 0.47 0.44
C.V. 20.437 20.34 18.009 27.217 19.277 17.134 19.342 20.595 20.256 21.243 25.762 23.162 30 29.571
TABLE 5.1.17 ESTABLISHMENT EXPENSES AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.
1.64 1.40 1.08 1.01 1.21 1.67 0.36 21.25
1.80 1.38 1.09 0.99 0.93 2.00 0.58 28.90
1.31 1.00 0.76 0.72 0.68 1.46 0.47 32.55
1.03 0.91 0.75 0.77 0.73 1.71 0.67 38.96
1.53 1.18 1.02 0.95 0.92 2.11 0.67 31.80
0.90 0.84 0.65 0.64 0.66 1.35 0.47 34.66
1.27 1.08 0.95 0.99 1.03 1.54 0.38 24.95
1.23 0.92 0.83 0.89 0.83 1.58 0.44 27.60
1.21 1.15 0.90 0.91 0.91 1.67 0.49 29.09
1.34 1.15 1.06 1.03 0.84 1.42 0.24 16.97
1.18 1.14 0.93 0.86 0.84 1.51 0.39 26.03
1.36 1.19 1.01 0.98 0.92 1.89 0.68 35.98
1.14 0.97 0.92 0.85 0.83 1.47 0.38 25.57
1.71 1.26 0.98 0.86 0.85 1.95 0.56 28.97
0.90 0.72 0.64 0.54 0.57 1.08 0.36 33.13
1.33 1.22 0.96 0.97 0.89 1.80 0.53 29.64
1.62 1.56 1.37 1.16 1.20 1.69 0.35 20.76
1.51 1.13 0.93 1.05 1.32 1.63 0.51 31.64
0.85 0.70 0.61 0.67 0.71 1.05 0.30 28.24
1.90 1.72 1.36 1.26 0.93 2.03 0.53 25.96
1.46 1.45 1.24 1.18 1.05 1.82 0.42 22.92
1.70 1.00 0.87 0.80 0.96 2.15 0.75 34.83
1.42 1.11 1.00 0.89 0.77 1.86 0.60 31.97
0.97 0.85 0.68 0.72 0.69 1.46 0.49 33.79
1.89 1.32 1.18 1.06 0.86 1.91 0.49 25.85
1.20 0.93 0.72 0.96 1.01 1.79 0.63 35.08
1.36 1.13 0.94 0.91 0.89 - - -0.30 0.25 0.21 0.17 0.18 - - -
22.295 22.074 21.94 18.787 19.902 - - -
TABLE 5.1.18 ESTABLISHMENT EXPENSES AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006
AXIS NE NE NE 0.17 0.34 0.31 0.26 0.31 0.23 0.26 0.34 0.43 0.50 0.47 0.48
BORL 2.18 2.13 1.81 1.74 1.53 1.56 1.81 2.23 2.19 1.99 1.96 1.69 1.37 1.32 1.74
CSBL 2.49 2.29 1.94 2.05 2.24 2.12 1.93 1.92 2.19 2.03 1.93 2.01 1.97 1.73 2.35
CUBL 2.28 1.96 1.80 1.50 1.50 1.35 1.25 1.17 1.28 1.13 1.04 0.89 0.78 0.89 0.88
DEL NE NE NE NE 1.26 1.43 1.13 1.01 0.79 0.70 0.82 0.96 1.03 1.17 1.40
DHAN 3.89 3.10 2.30 1.92 1.76 1.22 1.43 1.39 1.41 1.63 1.80 1.87 1.57 1.49 1.47
FBL 1.78 1.74 1.41 1.57 1.53 1.23 1.08 1.15 1.55 1.26 1.19 1.14 1.18 1.10 1.11
HDFC NE NE NE 0.03 0.47 0.56 0.52 0.51 0.42 0.50 0.46 0.50 0.48 0.54 0.66
ICICI NE NE NE 0.41 0.39 0.35 0.37 0.26 0.30 0.26 0.14 0.38 0.44 0.44 0.43
IIBL NE NE NE 0.12 0.12 0.12 0.15 0.18 0.15 0.15 0.20 0.29 0.33 0.39 0.48
JKAL 1.37 1.34 1.45 1.77 1.36 1.28 1.05 1.13 0.85 0.75 0.98 0.94 0.79 0.73 0.73
KAL 2.35 2.23 2.00 2.07 1.83 1.76 1.57 1.32 1.31 1.07 1.15 0.96 0.89 1.00 0.78
KVBL 2.28 2.14 1.51 1.36 1.70 1.45 1.49 1.32 1.44 1.17 1.04 0.97 1.11 0.97 0.97
LVBL 2.40 2.43 2.00 1.45 2.05 1.91 1.59 1.72 1.67 1.46 1.40 1.35 1.21 1.16 1.21
NBL 2.41 2.32 2.30 2.60 2.87 2.27 2.06 1.97 2.01 1.84 1.89 2.10 2.29 1.68 2.08
RAT 2.32 2.18 2.23 1.91 2.46 2.48 1.91 1.93 1.97 1.62 2.02 1.51 1.51 1.52 1.48
SBI COM NE NE NE NE NA 0.36 0.29 0.38 0.37 0.47 0.41 0.54 0.62 0.65 0.58
SIBL 2.78 2.33 2.02 2.06 2.28 1.99 1.76 1.78 1.94 1.63 1.29 1.24 1.41 1.25 1.29
TMBL 1.89 1.58 1.29 1.32 1.46 1.57 1.38 1.39 1.32 1.16 1.19 1.17 1.27 1.30 1.25
MEAN 2.34 2.14 1.85 1.42 1.51 1.33 1.21 1.21 1.23 1.11 1.12 1.10 1.09 1.04 1.12
S.D. 0.58 0.43 0.34 0.77 0.77 0.70 0.62 0.64 0.69 0.60 0.62 0.55 0.53 0.42 0.54
C.V. 25.00 20.28 18.63 54.72 51.13 52.85 51.12 52.52 56.38 54.29 55.07 49.97 48.32 40.42 48.43
Note: NE- Not Existence NA- Not Available
TABLE 5.1.18 ESTABLISHMENT EXPENSES AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKS2007 2008 2009 2010 MEAN S.D. C.V.
0.52 0.61 0.68 0.70 0.41 0.16 38.57
1.33 1.11 1.21 2.21 1.74 0.36 20.76
1.75 1.65 1.69 1.52 1.99 0.25 12.78
0.83 0.67 0.70 0.69 1.19 0.46 38.31
1.30 1.28 1.76 1.43 1.16 0.29 24.71
1.27 1.17 1.11 1.35 1.74 0.69 39.84
1.04 0.83 0.82 0.84 1.24 0.29 23.22
0.85 0.98 1.22 1.03 0.61 0.29 46.96
0.47 0.52 0.52 0.53 0.39 0.11 27.56
0.46 0.52 0.68 0.82 0.32 0.22 67.59
0.77 0.69 0.74 0.86 1.03 0.31 30.42
0.80 0.94 0.83 0.77 1.35 0.54 39.81
0.84 0.70 0.72 0.74 1.26 0.45 35.49
0.96 0.97 0.94 0.88 1.51 0.48 31.38
1.37 0.99 1.06 0.96 1.95 0.53 27.34
1.93 1.16 1.20 1.10 1.81 0.43 23.52
0.69 0.59 0.57 0.73 0.52 0.14 26.67
0.98 0.86 1.05 0.89 1.62 0.54 33.56
1.26 1.14 1.11 1.06 1.32 0.20 14.91
1.02 0.91 0.98 1.01 - - -0.41 0.30 0.34 0.39 - - -
39.70 32.40 35.16 38.95 - - -
TABLE 5.1.19 TOTAL CREDIT AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004
SBI 46.64 47.45 37.21 39.78 41.41 39.77 41.32 37.01 37.51 35.99 34.69 36.65 38.73
SBBJ 47.37 46.94 41.39 41.55 36.85 36.99 42.95 37.55 35.30 37.27 38.14 37.55 42.44
SBH 48.63 45.94 37.25 46.97 47.59 42.86 43.61 40.43 39.25 38.66 38.08 36.98 38.55
SBID 47.99 49.41 46.82 47.27 47.15 46.17 46.46 42.75 45.25 41.68 42.66 45.56 49.11
SBM 45.38 49.13 40.49 45.88 42.99 44.18 44.89 43.43 42.19 45.54 47.47 46.41 45.84
SBP 46.61 42.59 39.14 42.38 39.63 43.67 42.58 44.35 46.91 47.70 50.06 50.48 48.65
SBT 43.36 48.40 45.46 52.28 50.40 46.97 43.81 38.96 41.27 44.17 45.08 48.18 46.38
ALLH 44.27 44.33 38.45 38.89 38.77 37.50 37.77 40.09 41.80 43.45 44.39 44.72 44.21
ANDH 43.74 40.25 34.03 38.07 36.41 35.20 35.71 39.15 35.27 36.41 46.22 46.65 47.71
BOB 48.98 48.97 47.17 47.50 46.52 43.92 43.20 40.38 41.62 43.30 47.47 46.26 41.83
BOI 54.16 49.84 42.86 40.48 47.05 48.32 47.52 45.11 45.00 53.42 54.88 55.64 54.04
BOMH 43.79 39.55 32.25 34.01 34.52 35.49 33.72 33.33 34.49 35.05 38.45 38.15 36.42
CAN 48.61 39.26 36.05 41.21 42.08 40.42 39.03 40.59 43.28 41.89 45.87 49.32 47.86
CBOI 46.52 44.01 33.17 37.78 38.37 33.30 34.99 36.23 38.11 39.85 40.46 40.56 36.00
CORPT 37.89 38.87 30.69 29.09 35.37 36.97 38.37 41.96 46.40 43.98 46.55 45.79 47.64
DENA 40.80 40.03 35.23 39.58 41.25 41.63 41.97 43.09 42.24 39.10 39.93 41.84 42.47
IND 58.59 52.45 49.69 50.82 44.25 40.30 37.32 34.95 34.87 35.41 36.05 34.70 36.08
IOB 54.91 49.83 40.66 41.44 41.51 40.46 40.44 41.36 41.90 43.23 42.78 42.39 42.89
OBC 44.14 46.79 42.82 42.84 44.39 42.27 42.75 41.03 38.00 40.91 43.88 46.13 47.99
PNB 43.38 40.13 35.14 38.52 38.55 36.76 35.28 38.62 40.04 38.66 40.55 40.66 40.17
PSB 43.33 46.98 39.11 40.87 40.27 40.14 40.34 41.12 41.70 44.14 47.14 46.66 46.15
SYND 45.65 42.47 32.90 30.92 34.70 33.30 35.74 42.53 44.94 46.44 46.87 47.35 43.72
UCO 54.57 46.55 39.60 36.63 32.14 29.95 30.19 29.98 32.39 36.90 40.81 45.61 47.09
UBI 41.81 43.42 39.71 41.80 42.31 40.94 39.90 36.21 41.77 44.91 48.19 49.97 50.46
UNI 43.56 39.28 30.37 28.99 26.37 23.76 23.43 22.33 23.39 26.72 29.96 30.29 30.81
VIJ 49.37 42.64 37.97 35.24 33.83 30.73 34.16 33.95 36.64 40.12 38.38 41.36 45.89
MEAN 46.69 44.83 38.68 40.41 40.18 38.92 39.13 38.71 39.67 40.96 42.88 43.69 43.81
S.D. 4.73 4.05 5.11 5.95 5.53 5.69 5.34 4.95 5.14 5.20 5.41 5.64 5.35
C.V. 10.139 9.0454 13.209 14.717 13.762 14.608 13.65 12.782 12.963 12.69 12.62 12.921 12.207
TABLE 5.1.19 TOTAL CREDIT AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKS2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.
44.01 52.99 59.54 57.76 56.25 59.99 44.46 8.67 19.49
51.37 57.77 59.48 60.93 64.37 64.97 46.38 10.26 22.11
44.67 51.35 57.30 58.18 56.93 59.77 45.95 7.63 16.61
53.50 57.34 62.59 62.25 65.34 66.94 50.86 8.02 15.78
53.05 60.78 61.34 63.58 63.27 65.04 50.05 8.30 16.59
48.76 53.79 60.62 61.63 62.63 60.92 49.11 7.53 15.34
51.42 59.21 65.24 64.10 66.14 64.69 50.82 8.74 17.20
46.85 52.72 61.02 59.95 60.22 58.84 46.22 8.18 17.70
53.52 54.34 58.66 60.50 64.47 62.11 45.71 10.31 22.55
45.85 52.84 58.42 59.41 63.32 62.89 48.94 7.12 14.55
58.46 58.05 59.97 63.45 63.37 61.28 52.78 7.01 13.28
39.72 52.76 58.75 60.82 58.09 56.74 41.90 10.01 23.90
54.78 59.80 59.35 59.40 62.93 63.96 48.19 9.07 18.82
39.77 50.19 55.69 58.89 57.89 57.69 43.13 8.73 20.24
54.67 59.16 56.81 58.84 55.82 56.60 45.34 9.56 21.08
47.06 53.61 58.20 59.58 59.59 61.58 45.73 8.28 18.10
41.91 47.20 51.75 56.50 61.18 61.29 45.54 9.58 21.04
49.60 58.55 57.21 59.31 61.85 60.26 47.93 8.03 16.76
46.79 56.97 59.70 60.16 60.84 60.75 47.85 7.66 16.01
40.22 47.83 53.44 59.27 59.51 57.60 43.39 8.04 18.52
47.85 51.37 59.47 60.04 62.65 62.91 47.49 8.03 16.91
51.29 59.71 57.88 59.79 62.59 65.02 46.52 10.56 22.69
50.66 60.44 62.77 61.34 61.62 60.08 45.23 12.09 26.74
55.38 59.89 60.76 59.90 59.97 61.14 48.34 8.58 17.75
39.14 46.69 52.37 51.29 57.05 54.97 35.83 11.80 32.93
48.87 52.84 57.19 56.40 56.86 59.12 43.77 9.29 21.23
48.43 54.93 58.67 59.74 60.95 61.04 - - -5.40 4.31 3.07 2.57 2.97 2.99 - - -
11.147 7.8469 5.234 4.3008 4.8696 4.8979 - - -
TABLE 5.1.20 TOTAL CREDIT TO TOTAL ASSETS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006
AXIS NE NE NE 63.36 46.04 38.70 51.29 55.42 52.58 44.78 37.23 36.61 38.77 41.34 44.87
BORL 43.96 40.40 38.14 41.86 43.68 43.99 43.40 40.52 41.86 42.98 40.72 36.24 28.76 31.64 41.25
CSBL 45.38 45.70 46.23 49.56 54.22 56.33 49.79 40.93 39.40 42.27 34.81 38.08 44.07 51.62 56.45
CUBL 47.22 44.18 48.25 49.90 53.13 52.60 50.21 47.10 49.89 48.22 45.34 46.19 48.47 57.59 61.78
DEL NE NE NE NE 45.94 47.98 42.32 43.28 49.24 52.10 53.94 56.41 45.24 46.27 49.91
DHAN 40.68 46.19 46.64 54.38 53.75 46.14 46.39 43.83 48.70 51.94 48.62 51.30 46.57 53.32 55.97
FBL 40.30 44.35 44.15 49.08 51.11 54.91 53.64 52.36 53.08 55.04 51.15 50.96 50.95 52.45 56.85
HDFC NE NE NE 2.89 37.15 31.69 29.75 32.20 28.85 29.69 28.64 38.64 41.94 49.71 47.70
ICICI NE NE NE 26.56 56.23 44.78 34.39 30.22 30.29 35.63 45.18 49.88 49.59 54.52 58.14
IIBL NE NE NE 56.32 59.47 54.12 48.77 43.16 45.98 48.97 54.62 54.01 48.40 57.61 52.83
JKAL 51.81 53.12 52.87 43.93 39.29 40.01 38.57 39.24 33.31 37.45 43.70 47.70 43.78 47.16 54.76
KAL 45.48 47.87 48.39 51.50 52.01 50.09 47.11 42.00 42.69 42.36 44.02 42.09 44.13 50.19 52.11
KVBL 37.94 37.55 32.26 43.19 53.91 49.27 45.75 46.40 48.26 53.17 48.14 54.13 56.61 58.59 61.67
LVBL 37.95 38.29 40.02 38.21 44.37 45.45 46.00 48.44 49.75 56.68 54.95 55.17 53.35 57.18 60.02
NBL 38.55 34.80 30.76 31.18 30.57 25.64 21.04 21.16 20.65 20.66 19.75 22.43 27.56 34.59 45.67
RAT 45.37 45.03 47.02 45.96 43.50 47.62 45.56 41.74 37.39 41.18 39.53 42.13 42.44 48.72 50.17
SBI COM NE NE NE NE NA 33.37 37.93 42.62 52.02 44.33 34.82 29.86 24.64 48.38 47.96
SIBL 47.16 45.00 43.65 42.79 50.04 48.75 47.75 46.47 45.48 47.32 49.29 47.36 45.35 56.61 58.83
TMBL 42.57 43.13 46.88 51.02 48.70 48.63 42.94 39.73 40.80 43.30 41.43 41.51 41.54 46.76 51.23
MEAN 43.41 43.51 43.48 43.63 47.95 45.27 43.29 41.94 42.64 44.11 42.94 44.25 43.27 49.70 53.06
S.D. 4.21 4.81 6.49 13.77 7.36 8.19 8.04 7.77 9.08 8.90 9.15 9.14 8.44 7.49 5.93
C.V. 9.70 11.06 14.93 31.55 15.34 18.09 18.57 18.52 21.30 20.19 21.31 20.65 19.51 15.07 11.18
Note: NE- Not Existence NA- Not Available
TABLE 5.1.20 TOTAL CREDIT TO TOTAL ASSETS OF PRIVATE SECTOR BANKS2007 2008 2009 2010 MEAN S.D. C.V.
50.34 54.45 55.21 57.76 48.05 8.18 17.02
47.15 47.04 45.17 48.15 41.42 4.97 12.00
56.84 55.59 52.33 58.09 48.30 7.12 14.74
62.08 61.74 61.02 59.12 52.32 6.21 11.87
50.52 53.66 55.09 56.38 49.88 4.65 9.32
53.28 52.12 56.64 61.91 50.44 5.15 10.20
59.38 58.16 57.64 61.71 52.49 5.42 10.32
51.45 47.63 53.95 56.56 38.03 13.50 35.51
56.83 56.43 57.56 49.86 46.01 11.09 24.11
52.97 55.01 57.11 58.10 52.97 4.67 8.82
59.62 57.65 55.53 54.19 47.04 7.82 16.63
58.89 56.06 51.67 53.42 48.53 4.97 10.24
63.55 64.61 61.02 61.30 51.44 9.44 18.35
62.00 59.18 63.03 59.86 51.05 8.58 16.81
46.57 48.31 46.39 44.78 32.16 10.26 31.89
46.27 39.72 46.93 56.12 44.86 4.34 9.68
49.22 53.85 42.58 31.96 40.97 9.00 21.96
58.00 61.17 58.14 61.97 50.59 6.30 12.46
57.10 60.14 58.45 61.00 47.73 6.99 14.64
54.85 54.87 54.50 55.38 - - -5.53 6.00 5.70 7.45 - - -
10.09 10.93 10.45 13.45 - - -
TABLE 5.1.21 OTHER INCOME AS % TOTAL INCOME OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
SBI 12.77 13.08 14.58 13.04 17.54 15.02 15.08 14.67 13.85 13.38 12.28 15.59 19.99 18.00
SBBJ 12.16 13.72 15.45 16.94 15.05 14.83 16.05 14.51 16.47 15.88 18.14 19.12 23.80 21.72
SBH 12.56 13.60 14.82 16.32 15.28 13.27 14.13 13.44 15.24 14.54 16.00 18.25 24.22 15.35
SBID 11.37 12.85 13.81 15.58 13.44 12.21 15.13 15.21 19.35 18.65 23.64 23.44 25.64 13.84
SBM 10.89 12.35 16.35 13.02 15.26 12.70 13.61 14.69 17.03 15.75 19.37 22.08 24.36 24.45
SBP 7.10 7.34 8.48 6.49 12.00 9.22 9.44 11.48 12.34 11.24 14.95 16.38 25.03 14.29
SBT 8.57 11.33 15.04 14.33 13.22 12.02 13.16 13.02 14.37 12.87 13.67 15.93 21.27 16.90
ALLH 11.31 10.80 8.34 10.16 11.99 12.40 13.56 11.58 12.24 10.51 14.48 16.94 21.93 16.73
ANDH 9.46 9.47 11.29 15.24 10.38 11.11 11.28 12.25 13.89 9.84 13.03 21.57 23.34 24.82
BOB 10.48 8.46 16.65 12.84 11.67 10.87 11.52 10.71 10.94 10.93 14.29 17.14 21.85 16.87
BOI 11.10 9.98 12.03 11.73 12.71 12.24 12.84 11.11 14.22 13.95 16.44 21.69 23.62 16.08
BOMH 7.74 8.72 8.23 9.54 9.43 8.53 8.59 8.68 11.17 11.53 13.34 14.76 17.43 13.99
CAN 12.08 11.32 13.12 12.23 13.68 11.76 13.72 11.82 14.69 14.04 18.32 18.51 22.83 16.94
CBOI 9.18 8.58 9.45 9.73 11.15 10.75 10.74 9.61 10.45 9.91 11.42 9.84 16.00 15.02
CORPT 13.41 12.36 17.32 15.82 14.15 11.88 12.30 12.77 14.44 13.93 16.41 20.19 19.01 20.06
DENA 8.66 8.96 9.81 9.36 10.74 9.79 13.15 9.31 11.77 10.39 17.12 19.78 26.24 15.28
IND 10.20 8.72 10.82 12.37 11.30 12.19 11.89 10.90 12.66 13.09 17.95 17.17 21.89 16.54
IOB 12.76 16.98 20.09 11.53 7.90 9.34 9.45 9.84 9.61 9.77 14.34 12.98 16.48 16.83
OBC 5.91 7.71 7.43 9.85 8.95 7.70 8.67 8.48 8.26 8.85 13.48 14.10 17.94 12.39
PNB 7.65 9.23 10.74 10.87 10.12 11.12 12.02 10.20 12.04 11.85 15.28 19.30 16.68 17.02
PSB 4.61 7.32 11.21 8.49 9.05 11.37 13.75 10.91 12.37 11.72 12.82 14.31 19.35 16.53
SYND 11.31 10.11 8.46 9.79 9.43 8.93 11.51 11.58 11.17 9.16 8.74 14.69 20.11 13.58
UCO 9.07 12.96 7.85 11.51 10.73 8.89 11.75 9.96 11.18 11.57 18.66 17.91 16.80 12.69
UBI 9.24 9.86 9.56 9.17 8.66 7.95 7.66 8.39 8.28 7.70 11.06 16.07 15.55 13.36
UNI 8.07 6.36 8.01 10.60 10.66 8.81 9.53 7.31 7.60 7.86 16.22 16.81 19.60 18.32
VIJ 8.54 14.76 12.96 14.74 8.80 7.95 9.15 9.83 8.89 10.33 10.93 17.16 21.32 14.35
MEAN 9.85 10.65 12.00 11.97 11.66 10.88 11.91 11.24 12.48 11.89 15.09 17.37 20.86 16.61
S.D. 2.25 2.62 3.48 2.70 2.46 2.04 2.25 2.13 2.85 2.63 3.20 3.08 3.20 3.20
C.V. 22.831 24.564 29.036 22.568 21.13 18.752 18.855 18.954 22.859 22.076 21.191 17.713 15.356 19.277
TABLE 5.1.21 OTHER INCOME AS % TOTAL INCOME OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.
17.13 12.75 15.08 16.59 17.41 15.15 2.14 14.12
11.20 12.66 13.39 13.15 12.78 15.63 3.26 20.82
14.31 11.59 13.33 11.87 11.73 14.73 2.86 19.40
15.62 11.21 12.24 11.44 12.01 15.61 4.47 28.61
19.95 15.09 14.47 12.89 10.68 16.05 4.18 26.05
12.36 9.61 12.14 9.81 10.14 11.57 4.20 36.29
13.25 7.27 11.33 12.20 10.76 13.19 3.02 22.93
11.35 7.16 13.52 13.42 15.34 12.83 3.35 26.08
12.77 11.88 12.95 12.47 13.15 13.69 4.54 33.12
13.79 11.30 14.79 15.45 14.39 13.42 3.22 23.97
14.42 14.55 14.63 15.73 12.77 14.31 3.45 24.08
2.07 8.87 9.95 10.44 11.10 10.22 3.25 31.79
13.12 11.32 13.48 11.89 13.22 14.11 3.02 21.37
8.97 7.09 10.27 9.28 12.57 10.53 2.12 20.09
15.28 14.16 13.41 15.43 17.61 15.26 2.57 16.87
19.96 15.60 15.16 11.09 12.80 13.42 4.71 35.11
12.10 14.61 16.17 13.16 14.58 13.60 3.19 23.47
10.94 6.22 11.82 14.20 10.04 12.16 3.57 29.34
11.83 10.46 8.42 10.79 10.47 10.09 2.87 28.41
8.45 11.69 12.52 11.15 9.48 11.97 3.06 25.54
11.73 8.29 12.28 13.12 14.42 11.77 3.37 28.59
12.18 9.29 10.12 8.24 10.41 10.99 2.80 25.47
7.91 7.68 10.61 11.16 9.21 11.48 3.22 28.06
7.78 8.51 12.53 11.09 12.93 10.28 2.64 25.70
15.62 10.09 11.57 10.22 9.62 11.20 4.04 36.08
10.93 8.87 12.04 11.77 11.56 11.84 3.42 28.91
12.50 10.68 12.62 12.23 12.35 - - -3.79 2.72 1.85 2.06 2.27 - - -
30.344 25.459 14.654 16.83 18.392 - - -
TABLE 5.1.22 OTHER INCOME AS % TO TOTAL INCOME OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
AXIS NE NE NE 5.90 12.92 13.26 19.24 11.10 15.87 15.49 26.07 21.89 25.40 17.77
BORL 8.78 8.82 11.07 12.45 12.26 10.49 11.47 11.07 11.78 11.32 17.68 21.10 26.04 10.88
CSBL 7.89 7.10 10.58 7.87 11.24 8.38 11.30 8.72 12.97 13.37 22.70 26.51 24.96 11.16
CUBL 11.50 12.24 13.40 14.01 15.74 15.59 14.85 15.55 15.84 13.53 18.46 18.74 19.40 10.32
DEL NE NE NE NE 6.60 16.24 27.91 12.60 20.32 11.15 20.25 19.42 20.04 23.14
DHAN 10.97 11.30 11.78 14.23 7.69 9.01 9.85 8.62 13.14 12.78 24.50 27.05 23.34 7.11
FBL 8.41 10.78 8.53 11.23 16.60 10.85 11.65 11.62 13.05 11.98 17.45 17.42 19.99 15.11
HDFC NE NE NE 11.69 10.48 16.34 20.48 15.33 15.57 12.84 16.37 18.95 15.85 17.39
ICICI NE NE NE 30.95 14.52 17.93 24.67 14.06 18.54 15.05 21.08 25.22 25.63 26.63
IIBL NE NE NE 18.38 16.05 16.67 21.93 12.25 18.51 13.79 20.61 25.76 25.91 18.10
JKAL 2.94 4.13 4.19 5.28 7.45 6.93 9.78 5.84 10.62 6.98 15.96 16.75 16.55 5.84
KAL 9.87 9.27 10.71 10.17 12.36 9.83 10.02 8.95 11.11 12.04 24.49 22.77 24.16 20.84
KVBL 13.29 11.97 14.49 18.92 17.11 13.01 19.72 10.76 12.15 10.46 17.84 20.44 10.29 16.07
LVBL 15.29 18.07 20.32 23.62 17.65 15.87 18.37 17.12 21.16 18.98 24.05 23.71 23.30 11.39
NBL 5.46 6.38 6.90 5.89 5.01 4.46 4.30 4.46 5.29 4.09 5.13 6.60 15.72 11.35
RAT 3.72 5.16 5.26 4.71 6.09 7.27 9.78 7.94 14.19 12.96 29.44 22.95 15.40 7.10
SBI COM NE NE NE NE NA 10.18 19.24 16.12 19.91 13.34 22.01 20.45 34.11 26.40
SIBL 10.37 10.94 19.35 12.23 9.08 7.34 7.14 8.45 13.72 11.83 18.37 21.77 25.69 12.62
TMBL 17.28 21.28 19.63 16.62 17.63 17.14 15.81 14.59 13.81 11.99 12.61 11.18 11.21 11.70
MEAN 9.67 10.57 12.02 13.19 12.03 11.94 15.13 11.32 14.61 12.31 19.74 20.46 21.21 14.79
S.D. 4.21 4.84 5.31 7.00 4.29 4.16 6.36 3.56 3.92 3.08 5.38 5.08 5.96 6.21
C.V. 43.48 45.81 44.22 53.06 35.65 34.82 42.02 31.45 26.82 25.04 27.25 24.83 28.12 41.99
Note: NE- Not Existence NA- Not Available
TABLE 5.1.22 OTHER INCOME AS % TO TOTAL INCOME OF PRIVATE SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.
20.16 18.46 20.40 21.10 25.32 18.15 5.56 30.62
8.70 14.06 10.79 8.72 8.73 12.43 4.55 36.64
9.92 9.44 11.17 15.18 11.34 12.73 5.74 45.13
10.81 11.91 13.16 13.33 13.04 14.28 2.61 18.25
16.61 21.05 23.60 15.69 18.98 18.24 5.33 29.25
9.45 10.02 11.86 16.27 14.55 13.34 5.72 42.84
13.12 14.38 13.56 13.46 12.63 13.25 3.03 22.88
20.07 18.57 18.42 16.77 19.76 16.55 2.94 17.75
22.62 23.95 22.25 19.65 22.53 21.58 4.73 21.94
13.71 14.00 13.66 16.50 16.98 17.68 4.14 23.41
6.10 7.78 9.14 8.09 11.98 8.54 4.17 48.78
14.08 12.18 13.21 14.17 16.08 14.02 5.18 36.99
15.63 12.08 14.19 15.50 12.32 14.54 3.15 21.70
9.78 11.94 14.01 13.99 10.22 17.31 4.65 26.87
12.16 3.57 4.28 4.73 6.81 6.45 3.19 49.47
8.30 5.73 7.53 10.20 8.40 10.11 6.58 65.07
22.40 10.24 24.01 5.39 12.68 18.32 7.57 41.33
8.67 9.55 9.94 8.87 9.72 12.40 5.19 41.83
12.46 11.49 14.66 12.20 13.38 14.56 3.01 20.65
13.41 12.65 14.20 13.15 13.97 - - -4.98 5.07 5.38 4.48 4.91 - - -
37.11 40.11 37.90 34.09 35.17 - - -
TABLE 5.1.23 CAPITAL AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
SBI 0.21 0.20 0.42 0.39 0.33 0.34 0.29 0.24 0.20 0.17 0.15 0.14 0.13 0.11
SBBJ 0.65 0.57 0.48 0.41 0.55 0.45 0.59 0.49 0.40 0.36 0.32 0.28 0.25 0.21
SBH 0.43 0.35 0.27 0.25 0.21 0.18 0.16 0.13 0.11 0.09 0.08 0.07 0.06 0.05
SBID 0.51 0.47 0.40 0.33 0.56 0.50 0.43 0.35 0.28 0.21 0.17 0.15 0.13 0.10
SBM 0.50 0.44 0.35 0.31 0.76 0.66 0.61 0.52 0.43 0.38 0.35 0.32 0.26 0.22
SBP 0.66 0.51 0.44 0.38 0.30 0.29 0.26 0.23 0.20 0.17 0.14 0.12 0.09 0.08
SBT 0.58 0.51 0.40 0.33 0.53 0.45 0.55 0.46 0.40 0.35 0.30 0.26 0.21 0.17
ALLH 1.39 1.93 2.71 5.74 6.27 1.87 1.63 1.42 1.25 1.12 1.00 1.24 1.00 0.77
ANDH 1.42 1.94 4.26 6.74 6.02 7.16 6.41 3.01 2.20 2.21 2.15 1.62 1.48 1.22
BOB 1.12 1.37 2.76 2.38 1.68 0.68 0.64 0.56 0.50 0.46 0.42 0.39 0.35 0.31
BOI 2.02 2.02 4.33 6.47 1.76 1.57 1.38 1.18 1.14 1.07 0.70 0.64 0.58 0.51
BOMH 3.60 3.93 5.97 9.70 9.60 8.54 7.03 2.71 2.17 1.74 1.54 1.33 1.34 1.31
CAN 0.69 1.02 2.56 2.24 1.56 1.36 1.34 1.20 1.06 0.87 0.80 0.50 0.41 0.37
CBOI 1.27 1.18 3.71 6.32 5.63 6.84 5.92 5.11 4.35 3.82 2.14 1.97 1.77 1.64
CORPT 1.39 2.11 2.42 1.58 1.62 1.01 1.07 0.80 0.72 0.61 0.61 0.55 0.49 0.42
DENA 2.36 2.96 4.52 3.90 1.78 2.13 1.69 1.39 1.23 1.15 1.10 1.03 0.93 1.19
IND 1.52 1.38 3.10 4.22 3.68 3.84 12.36 11.67 10.64 9.40 12.57 12.93 11.68 10.43
IOB 3.94 3.43 8.19 8.34 7.38 1.86 1.56 1.36 1.21 1.47 1.26 1.08 1.15 1.07
OBC 1.20 1.64 2.14 2.34 1.83 1.67 1.30 1.03 0.78 0.71 0.60 0.57 0.47 0.36
PNB 3.66 5.36 7.61 7.64 7.68 9.29 7.81 2.29 2.04 1.81 1.77 1.68 1.62 1.55
PSB 0.59 0.89 1.44 1.27 1.15 1.00 0.53 0.46 0.39 0.33 0.52 0.31 0.26 0.25
SYND 1.88 1.60 6.93 7.82 8.29 7.36 6.62 1.58 1.74 1.67 1.49 1.37 1.00 0.91
UCO 4.22 4.00 8.95 11.65 10.71 10.49 11.11 10.91 9.61 8.29 7.22 1.72 1.83 1.46
UBI 1.23 1.34 2.60 1.98 1.65 1.51 1.31 1.08 0.97 0.87 0.76 0.90 0.79 0.64
UNI 5.62 4.88 6.94 11.50 12.70 13.43 11.89 10.52 9.28 8.43 7.95 7.46 7.01 6.22
VIJ 2.47 3.37 3.99 3.80 3.52 6.91 5.89 5.01 2.03 2.52 2.07 1.75 1.80 1.48
MEAN 1.74 1.90 3.38 4.15 3.76 3.51 3.48 2.53 2.13 1.93 1.85 1.55 1.43 1.27
S.D. 1.40 1.46 2.67 3.66 3.68 3.84 3.93 3.40 2.99 2.64 2.91 2.72 2.49 2.22
C.V. 80.68 77.01 78.99 88.11 98.01 109.1 113.2 134.3 140.6 136.7 157.4 175.6 174.7 174.8
TABLE 5.1.23 CAPITAL AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.
0.11 0.09 0.09 0.07 0.06 0.20 0.11 56.38
0.18 0.14 0.12 0.11 0.09 0.35 0.18 50.87
0.04 0.04 0.03 0.02 0.02 0.14 0.12 86.74
0.08 0.07 0.06 0.05 0.05 0.26 0.18 68.70
0.19 0.13 0.11 0.09 0.08 0.35 0.20 55.93
0.06 0.05 0.47 0.39 0.39 0.27 0.17 62.52
0.16 0.13 0.11 0.10 0.08 0.32 0.17 51.68
0.81 0.66 0.54 0.46 0.37 1.69 1.63 96.13
1.19 1.02 0.86 0.71 0.54 2.74 2.22 80.72
0.32 0.26 0.20 0.16 0.13 0.77 0.76 97.96
0.43 0.34 0.29 0.23 0.19 1.41 1.57 110.69
1.38 1.10 0.89 0.73 0.61 3.43 3.13 91.19
0.31 0.25 0.23 0.19 0.15 0.90 0.69 76.50
1.51 1.21 0.97 0.89 0.97 3.01 2.08 69.21
0.35 0.27 0.22 0.17 0.13 0.87 0.67 76.84
1.08 0.91 0.74 0.59 0.50 1.64 1.10 67.10
1.56 1.48 1.18 0.99 0.82 6.08 4.87 80.18
0.92 0.66 0.53 0.45 0.42 2.44 2.63 107.82
0.43 0.34 0.28 0.22 0.18 0.95 0.69 72.05
3.90 3.38 2.40 0.93 0.68 3.85 2.80 72.72
0.22 0.19 0.16 0.13 0.11 0.54 0.41 76.98
0.85 0.58 0.49 0.40 0.38 2.79 2.89 103.65
1.29 1.07 0.89 1.12 1.24 5.67 4.30 75.89
0.57 0.49 0.41 0.31 0.26 1.03 0.60 58.22
4.61 3.62 2.82 2.87 1.13 7.31 3.57 48.91
1.37 1.02 0.77 1.50 1.33 2.77 1.71 61.94
0.92 0.75 0.61 0.53 0.42 - - -1.11 0.91 0.68 0.61 0.39 - - -
120.3 121.5 110.9 115.1 93.27 - - -
TABLE 5.1.24 CAPITAL AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKS
YEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004
AXIS NE NE NE 20.30 9.51 6.96 3.62 3.37 1.98 1.23 1.33 1.17 0.96
BORL 0.20 0.18 0.14 0.33 0.58 0.53 0.53 0.49 1.52 2.31 2.09 1.73 1.27
CSBL 0.26 0.54 0.50 0.42 0.35 0.32 0.27 0.43 0.39 0.35 0.30 0.27 0.25
CUBL 0.66 0.70 0.76 0.81 0.74 0.60 1.57 1.70 1.56 1.32 1.08 0.91 0.75
DEL NE NE NE NE 1.81 1.28 0.92 0.70 0.50 0.58 0.55 0.64 0.73
DHAN 0.62 1.13 1.54 1.53 2.70 1.13 1.23 1.06 0.92 0.81 2.18 1.52 1.31
FBL 0.31 0.26 0.41 0.45 0.39 0.40 0.30 0.27 0.29 0.25 0.21 0.18 0.14
HDFC NE NE NE 4.42 20.16 11.02 10.60 4.60 3.49 1.56 1.18 0.93 0.67
ICICI NE NE NE 23.00 12.96 8.42 5.03 2.36 1.63 1.12 0.93 0.90 0.77
IIBL NE NE NE 16.20 6.36 3.37 3.14 2.58 1.99 1.84 1.56 2.21 1.92
JKAL 0.24 0.36 0.30 0.25 0.20 0.17 0.54 0.64 0.45 0.38 0.33 0.29 0.23
KAL 0.52 0.45 0.36 0.29 0.59 0.47 0.35 0.28 0.24 0.20 0.17 0.44 0.38
KVBL 0.35 0.32 0.21 0.27 0.39 0.31 0.24 0.19 0.16 0.14 0.12 0.27 0.25
LVBL 0.45 0.49 0.43 0.82 1.02 0.86 0.70 0.61 0.50 0.44 0.40 0.36 0.30
NBL 0.76 0.65 0.58 0.54 0.44 0.35 0.29 0.60 0.50 0.86 0.76 1.95 1.76
RAT 0.34 0.54 0.65 0.71 0.71 0.58 0.73 0.75 1.38 1.53 1.41 1.57 2.26
SBI COM NE NE NE NE NA 23.06 15.76 16.61 14.14 15.48 14.19 16.98 20.44
SIBL 0.30 0.61 0.73 0.82 0.69 0.60 0.63 0.99 0.80 0.68 0.55 0.47 0.39
TMBL 0.06 0.04 0.03 0.02 0.02 0.02 0.01 0.01 0.01 0.01 0.01 0.01 0.01
MEAN 0.39 0.48 0.51 4.19 3.31 3.18 2.44 2.01 1.71 1.64 1.54 1.73 1.83
S.D. 0.20 0.27 0.38 7.63 5.54 5.76 4.10 3.74 3.13 3.41 3.13 3.75 4.55
C.V. 51.50 56.66 74.65 182.21 167.29 181.18 167.76 185.68 183.51 208.60 202.64 217.29 248.58
Note: NE- Not Existence NA- Not Available
TABLE 5.1.24 CAPITAL AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKS
2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.
0.73 0.56 0.38 0.33 0.24 0.22 3.31 5.24 158.39
1.18 1.09 0.89 0.85 0.94 0.93 0.93 0.63 67.56
0.24 0.22 0.20 0.21 0.27 0.25 0.32 0.10 30.61
0.69 0.58 0.47 0.44 0.35 0.35 0.84 0.41 49.11
1.41 2.03 2.81 2.30 2.93 3.26 1.50 0.96 64.34
1.21 1.13 0.93 0.79 1.14 0.79 1.25 0.50 40.22
0.39 0.41 0.34 0.53 0.44 0.39 0.33 0.10 30.20
0.60 0.43 0.35 0.27 0.23 0.21 3.79 5.59 147.30
0.65 0.49 0.36 0.37 0.29 0.31 3.72 6.24 167.56
1.86 1.65 1.53 1.38 1.29 1.16 3.13 3.71 118.53
0.20 0.18 0.17 0.15 0.13 0.11 0.28 0.14 50.76
0.97 0.81 0.75 0.63 0.53 0.50 0.47 0.21 45.20
0.23 0.20 0.45 0.37 0.32 0.25 0.26 0.09 33.14
0.28 0.40 0.82 0.75 0.59 0.93 0.59 0.22 38.13
1.43 2.27 1.76 1.46 1.23 1.56 1.04 0.61 58.73
2.23 2.91 10.17 7.10 6.13 5.02 2.46 2.71 110.20
20.97 18.90 14.98 15.02 13.69 15.58 16.84 2.89 17.17
0.50 0.65 0.52 0.53 0.55 0.44 0.60 0.16 27.09
0.00 0.00 0.00 0.00 0.00 0.01 0.01 0.01 99.38
1.88 1.84 1.99 1.76 1.65 1.70 - - -
4.66 4.21 3.87 3.57 3.24 3.58 - - -
247.65 228.85 194.19 203.02 196.83 210.91 - - -
TABLE 5.1.25 BORROWINGS AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
SBI 9.21 12.24 5.64 7.27 8.76 4.45 4.50 4.08 3.55 3.40 2.68 2.48 3.29 4.17
SBBJ 2.78 3.13 2.64 5.15 5.14 1.15 1.31 0.99 0.76 0.34 0.15 1.72 3.04 2.63
SBH 3.57 2.32 2.34 5.66 5.32 1.29 1.34 1.04 1.18 0.51 0.35 1.59 2.69 2.34
SBID 6.75 6.36 1.64 6.34 2.05 1.51 1.01 1.08 2.83 2.53 1.85 2.64 2.95 6.74
SBM 3.13 5.67 5.39 6.66 6.69 5.43 1.65 4.70 5.73 1.90 0.77 2.96 1.51 1.93
SBP 2.53 1.44 1.23 1.62 4.58 1.60 0.25 1.49 0.51 0.12 0.92 2.04 1.85 1.78
SBT 2.27 2.05 0.86 3.99 3.01 1.18 1.38 1.29 0.49 0.26 0.39 0.25 1.13 0.44
ALLH 2.04 2.29 2.15 2.89 3.84 0.85 0.57 0.40 0.18 0.32 0.24 0.16 0.49 0.29
ANDH 3.11 2.76 2.37 3.44 3.94 1.66 2.15 1.42 0.93 0.87 1.05 4.01 3.12 3.00
BOB 3.02 3.41 2.23 3.43 3.51 0.90 1.04 0.92 0.63 1.48 0.98 0.82 1.03 1.73
BOI 6.50 4.28 1.69 4.07 5.15 3.83 3.36 5.52 3.35 3.02 4.80 5.26 5.33 6.28
BOMH 4.47 2.29 2.06 3.54 4.53 1.50 1.29 1.12 2.60 1.79 1.88 1.26 1.46 2.19
CAN 3.51 9.91 2.21 4.03 5.04 1.29 1.15 2.87 2.43 2.21 2.21 0.11 0.76 0.10
CBOI 1.83 1.63 0.90 1.69 2.69 0.57 0.39 0.43 0.70 0.80 0.43 0.26 0.17 0.20
CORPT 6.51 4.13 3.52 2.30 3.67 3.33 0.63 1.32 1.77 3.02 6.03 3.06 3.20 3.83
DENA 1.93 1.80 1.79 4.34 7.52 1.15 1.46 3.94 4.48 2.11 1.41 1.13 1.39 1.39
IND 9.70 12.46 2.40 4.94 12.53 4.24 1.32 1.67 1.25 0.60 1.23 1.27 0.76 1.65
IOB 5.94 1.62 2.23 4.77 5.95 1.85 1.66 1.82 1.08 0.48 0.43 0.86 1.54 1.16
OBC 2.50 2.57 3.72 5.12 5.47 0.93 0.67 0.58 2.09 0.84 1.91 2.25 1.71 1.35
PNB 6.56 2.15 1.28 2.64 5.68 1.55 1.01 1.41 2.78 0.83 0.52 0.17 0.07 0.02
PSB 6.58 3.60 3.04 3.71 4.19 0.98 0.67 0.43 1.22 1.06 0.56 0.77 1.26 2.15
SYND 2.79 2.02 1.60 2.68 2.86 0.40 0.33 0.45 0.51 0.77 0.12 0.23 0.47 0.62
UCO 6.32 6.59 1.41 1.77 5.96 0.69 1.45 1.54 2.54 1.50 1.26 1.17 0.88 0.55
UBI 1.71 1.38 1.20 2.42 3.15 0.53 0.32 0.24 1.00 0.80 0.12 0.87 1.60 2.79
UNI 4.27 5.24 2.98 1.65 2.27 1.62 0.84 0.62 0.57 0.66 0.39 0.24 0.11 0.09
VIJ 3.10 3.40 1.95 2.18 7.42 1.34 1.52 1.32 0.63 1.00 0.55 1.68 1.40 2.18
MEAN 4.33 4.10 2.33 3.78 5.04 1.76 1.28 1.64 1.76 1.28 1.28 1.51 1.66 1.99
S.D. 2.30 3.13 1.19 1.61 2.28 1.33 0.93 1.41 1.40 0.94 1.41 1.30 1.24 1.75
C.V. 52.98 76.33 51.12 42.6 45.21 75.51 72.8 85.86 79.4 73.55 110.7 85.98 74.69 88.15
TABLE 5.1.25 BORROWINGS AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.
6.20 7.01 7.17 5.57 9.78 5.87 2.69 45.89
4.41 3.38 2.60 1.69 5.49 2.55 1.64 64.09
1.57 0.80 1.54 3.08 5.47 2.32 1.64 70.88
3.52 6.11 3.26 2.73 5.08 3.53 2.03 57.51
3.01 3.69 5.24 6.82 5.01 4.10 1.95 47.64
3.03 3.67 4.90 1.30 4.50 2.07 1.44 69.57
3.66 5.01 6.49 1.63 5.47 2.17 1.91 87.97
0.08 0.38 2.16 0.96 4.47 1.30 1.34 102.88
1.87 1.54 1.04 1.92 6.48 2.46 1.40 56.89
4.24 0.80 2.19 2.48 4.80 2.09 1.31 62.63
5.25 4.67 4.01 4.21 8.15 4.67 1.43 30.72
1.56 0.52 0.41 0.32 3.94 2.04 1.27 62.53
0.02 0.95 1.39 3.21 3.19 2.45 2.28 92.96
0.42 0.84 0.36 0.54 4.01 0.99 0.99 99.79
4.10 5.73 3.21 2.38 8.13 3.68 1.85 50.27
0.00 1.43 1.02 0.11 2.71 2.16 1.79 82.65
3.96 3.45 1.82 0.63 0.94 3.52 3.83 108.98
1.24 3.52 6.24 5.41 6.85 2.88 2.22 77.06
1.49 0.84 2.03 0.64 3.56 2.12 1.45 68.37
0.00 0.93 9.62 6.56 6.53 2.65 2.87 108.48
4.59 1.20 2.74 1.77 6.49 2.47 1.93 78.04
0.56 1.54 1.22 1.68 8.75 1.56 1.96 125.94
2.19 3.29 1.91 1.85 4.56 2.50 1.93 77.17
4.46 4.11 3.84 2.41 4.72 1.98 1.49 75.35
0.89 0.94 2.14 0.74 1.19 1.44 1.41 97.49
1.64 0.47 3.42 0.99 2.76 2.05 1.59 77.40
2.46 2.57 3.15 2.37 5.12 - - -
1.84 1.99 2.27 1.90 2.16 - - -
74.72 77.5 72.06 80.13 42.23 - - -
TABLE 5.1.26 BORROWINGS AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005
AXIS NE NE NE 15.43 6.61 0.44 4.91 13.30 7.96 10.64 8.67 3.67 2.19 4.72
BORL 1.10 1.21 0.97 4.49 5.02 0.92 1.18 0.77 0.62 0.41 0.62 0.28 2.09 2.26
CSBL 6.64 5.79 4.32 6.48 5.48 4.57 2.39 2.75 2.51 1.01 0.45 0.04 0.49 0.01
CUBL 4.16 6.07 3.86 8.10 13.00 3.44 1.92 2.60 2.40 1.50 0.47 0.42 0.93 0.63
DEL NE NE NE NE 0.32 0.24 4.68 6.71 6.15 2.84 0.70 6.80 4.42 3.43
DHAN 2.60 2.22 3.86 2.45 4.69 3.12 2.04 1.74 2.48 1.59 0.96 1.80 0.16 0.22
FBL 3.65 6.26 2.00 6.26 6.14 5.25 3.17 6.05 4.99 3.90 3.69 0.69 0.84 1.11
HDFC NE NE NE 1.18 4.56 10.98 1.93 10.30 12.26 7.89 7.66 7.51 5.45 9.31
ICICI NE NE NE 1.58 18.23 5.22 5.86 2.86 4.07 5.23 47.28 32.11 24.55 20.01
IIBL NE NE NE 7.14 8.13 1.92 1.25 6.57 6.90 4.76 8.42 2.39 15.31 3.91
JKAL 0.82 0.76 0.69 2.48 1.09 0.42 0.22 2.78 0.19 1.39 1.26 1.29 1.40 1.31
KAL 8.19 7.33 7.46 8.43 8.57 3.03 2.38 2.56 2.33 1.95 1.25 1.78 1.73 1.95
KVBL 4.28 4.49 1.47 3.82 13.16 6.45 3.25 7.54 5.99 3.51 5.99 4.33 1.45 1.17
LVBL 7.25 7.32 3.98 3.23 6.70 4.11 2.94 3.70 4.30 2.63 1.17 2.01 0.79 1.70
NBL 1.45 0.89 0.61 0.38 0.19 0.17 0.01 0.00 0.00 0.00 0.00 0.02 0.01 0.03
RAT 8.91 7.72 7.04 4.96 4.34 3.47 4.02 2.29 1.34 0.80 0.57 0.30 0.12 0.10
SBI COM NE NE NE NE NA 0.00 7.09 3.96 5.22 4.57 5.34 0.00 1.64 9.23
SIBL 2.81 2.98 2.61 4.37 6.73 1.77 0.98 3.00 2.15 1.23 0.94 1.24 0.86 0.04
TMBL 5.14 6.24 3.75 6.00 10.72 3.77 2.80 2.31 1.05 0.66 0.71 1.54 0.56 0.20
MEAN 4.38 4.56 3.28 5.11 6.87 3.12 2.79 4.30 3.84 2.98 5.06 3.59 3.42 3.23
S.D. 2.70 2.61 2.21 3.58 4.66 2.74 1.87 3.35 3.11 2.74 10.65 7.24 6.18 4.94
C.V. 61.52 57.26 67.42 70.11 67.80 87.69 66.96 77.78 80.99 92.10 210.39 201.64 180.54 153.20
Note: NE- Not Existence NA- Not Available
TABLE 5.1.26 BORROWINGS AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.
5.39 7.09 5.13 10.51 9.50 7.26 3.99 54.90
0.11 0.48 0.58 0.01 0.02 1.22 1.39 113.87
0.01 0.08 0.11 1.32 1.21 2.40 2.40 99.94
1.82 0.37 0.04 0.43 0.35 2.76 3.29 118.85
3.52 2.93 5.63 7.50 8.20 4.27 2.58 60.50
0.01 0.14 0.10 0.00 3.93 1.80 1.47 81.64
2.96 3.07 2.44 3.14 3.54 3.64 1.80 49.60
3.89 3.09 3.45 5.00 5.81 6.27 3.30 52.68
15.32 14.87 16.42 24.56 25.94 16.51 12.54 75.98
3.04 2.83 4.71 10.20 13.95 6.34 4.14 65.33
1.00 2.16 2.30 2.64 2.59 1.41 0.84 59.72
1.22 2.59 0.74 0.02 2.56 3.48 2.88 82.67
2.17 2.06 2.25 0.14 2.17 3.98 2.99 75.07
0.11 1.37 0.81 1.72 3.18 3.11 2.15 69.21
0.61 1.14 1.05 0.59 0.29 0.39 0.46 116.65
0.07 0.04 0.02 0.23 0.18 2.45 2.93 119.66
7.18 8.85 0.75 0.00 0.01 3.84 3.44 89.46
0.01 0.24 0.16 2.02 1.30 1.86 1.67 89.52
0.38 0.81 0.01 0.29 0.44 2.49 2.84 113.98
2.57 2.85 2.46 3.70 4.48 - - -
3.70 3.73 3.85 6.08 6.40 - - -
144.09 130.72 156.61 164.25 142.73 - - -
Table 5.2.1
Correlations Coefficient Matrix for Public Sector Banks (1992-2010)
Y1 X1 X2 X3 X4 X5 X6 X7
Y1 1
X1 .532** 1
X2 -.490** .115* 1
X3 .147** .319** 0.007 1
X4 .301** -.098* -.530** -0.019 1
X5 0.061 -.424** -.441** -.232** .273** 1
X6 -0.001 .211** .275** .335** -.115* -.718** 1
X7 -0.085 .356** .305** -0.063 -.253** -.581** -.149** 1
X8 -.363** .279** .797** 0.013 -.649** -.514** .334** .340**
X9 .312** -.143** -.535** 0.024 .861** .351** -.097* -.384**
X10 .290** .141** -.609** 0.061 .096* 0.022 0.012 -0.044
X11 -.433** -.307** .465** -.186** -.561** -.094* .147** -0.038
X12 -0.087 -.117** -0.055 -.201** .403** 0.079 -.251** .181**
**Correlation is significant at the 0.01 level (2-tailed).
* Correlation is significant at the 0.05 level (2-tailed).
Correlations Coefficient Matrix for Public Sector Banks (1992-2010)
X8 X9 X10 X11 X12
1
-.695** 1
-0.085 0.043 1
.424** -.568** -.211** 1
-.125** .266** -0.016 -.128** 1
Table 5.2.2
Correlations Coefficient Matrix for Private Sector Banks (1992-2010)
Y1 X1 X2 X3 X4 X5 X6 X7
Y1 1
X1 1
X2 1
X3 0.097 1
X4 0.055 1
X5 -0.011 1
X6 1
X7 -0.081 0.073 1
X8 -0.036
X9 0.019 0.075
X10 0.053
X11 -0.003 0.01 0.016
X12 0.046 0.086
**Correlation is significant at the 0.01 level (2-tailed).
*Correlation is significant at the 0.05 level (2-tailed).
.263**
-.356** .519**
.363** .327**
-.210** -.234** -.114*
-.620** -.533** -.240** .240**
-.116* .514** .598** .425** -.254** -.793**
.160** .386** .139* -.129* -.665**
-.235** .502** .740** .351** -.372** -.382** .540**
-.110* -.135* .811** .257** -.179** -.201**
.182** -.415** -.747** -.238** .182** .288** -.429**
-.213** -.255** -.401** .287** -.396**
-.215** -.203** -.314** .595** -.225** .135*
Correlations Coefficient Matrix for Private Sector Banks (1992-2010)
X8 X9 X10 X11 X12
1
1
0.032 1
1
0.075 1
**Correlation is significant at the 0.01 level (2-tailed).
*Correlation is significant at the 0.05 level (2-tailed).
-.199**
-.376**
-.359** -.191** .169**
-.277** .116* .293**
Table 5.29
Multiple Regression Analysis for Public Sector Banks 1992-2010
Steps (Constant) X1 X2 X10 X7 X3
I -2.171(-11.426) -13.948
II -1.344(-8.960) -20.535 (-19.221)
III -0.326(-1.510) -22.257 (-19.446) (-6.339)
IV -0.19(-0.887) -23.006 (-17.707) (-5.944) (-4.550)
V 0.283-0.995 -22.512 (-17.713) (-5.931) (-4.980) (-2.499)
0.930*
1.042* -0.993*
1.128* -1.252* -0.074*
1.200* -1.167* -0.069* -0.041*
1.249* -1.161* -0.068* -0.045* -0.016*
Note: The figures given in parentheses represent the t-values.
*refers to 5 per cent significance level.
Table 5.29
Multiple Regression Analysis for Public Sector Banks 1992-2010
R Square
0.283 0.282
0.591 0.589
0.622 0.62
0.637 0.634
0.642 0.638
Adjusted R Square
Table 5.30
Multiple Regression Analysis for Private Sector Banks 1992-2010
(Constant) X2 X1 X3 X10
I 1.109-20.414 -6.995
II -0.384(-2.988) (-13.643) -12.403
III -0.546(-3.805) (-13.966) -11.541 -2.468
IV -0.143(-0.660) (-12.012) -11.485 -2.539 (-2.476)
V -0.214(-0.987) (-12.264) -11.678 -3.059 (-2.946)
-0.311*
-0.589* 0.614*
-0.608* 0.584* 0.008*
-0.707* 0.577* 0.009* -0.022*
-0.721* 0.585* 0.011* -0.027*
Note: The figures given in parentheses represent the t-values.
*refers to 5 per cent significance level.
Table 5.30
Multiple Regression Analysis for Private Sector Banks 1992-2010
X12
R Square
0.126 0.124
0.4 0.397
0.411 0.406
0.422 0.415
0.431 0.422-2.305
Adjusted R Square
0.018*