OPERATIONAL PERFORMANCE OF PUBLIC AND PRIVATE …shodhganga.inflibnet.ac.in/bitstream/10603/13574/11/11_chapter 4.p… · Jammu & Kashmir Bank (305). The minimum number of branches

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CHAPTER-4

OPERATIONAL PERFORMANCE OF PUBLIC AND

PRIVATE SECTOR BANKS IN INDIA

The present chapter undertakes the analysis in terms of growth and

operational performance of public and private sector banks in India by

taking into consideration the following variables:

i) Branch Expansion

ii) Deposit Mobilization

iii) Credit Deployment

iv) Total Income

v) Total Expenditure

4.1 BRANCH EXPANSION

The branch expansion policy seeks to achieve two broad objectives,

narrowing down regional imbalances and providing banking facilities to

rural and neglected areas. The policy mainly emphasizes on opening more

offices in rural and semi- urban areas and centers which have few or no

branches without jeopardizing branch expansion in urban and metropolitan

areas. Indian banking system is pre-dominantly branch banking system.

4.1.1 BRANCH EXPANSION IN PUBLIC SECTOR BANKS IN

INDIA

The data relating to number of branches of public sector banks in

India, their growth rate and coefficient of variation were presented in Table

4.1. The number of branches witnessed a constant growth during the entire

period under study. The exponential growth rate of branches for all the

public sector banks, as computed at the end of March 2010, was 1.43 per

cent. At the end of March 2010, Oriental Bank of Commerce showed the

highest exponential growth (5.80%), followed by Corporation Bank (5.09%)

and Andhra Bank (2.33%). Lowest exponential growth rate was witnessed in

the case of Dena Bank (0.30%), followed by United Bank of India (0.37%)

and Indian Bank (0.48%). In 1992, State Bank of India recorded the

maximum number of branches (8691), followed by Punjab National Bank

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(3054) and Central Bank of India (3022). The minimum number of branches

were recorded in the case of State Bank of Indore (336), followed by

Corporation Bank (441) and State Bank of Mysore (512). In the year 2010,

maximum number of branches were witnessed in the case of State Bank of

India (12495), followed by Punjab National Bank (4735) and Central Bank of

India (3587). The minimum number of branches were witnessed in the case

of State Bank of Indore (471), followed by State Bank of Mysore (689) and

State Bank of Travancore (753). State Bank of Hyderabad, State Bank of

Indore, State Bank of Mysore, State Bank of Patiala, Andhra Bank, Canara

Bank, Corporation Bank, Indian Overseas Bank, Oriental Bank of

Commerce, Punjab National Bank, Syndicate Bank, Union Bank, and Vijaya

Bank had higher exponential growth in branch expansion than that of all

public sector banks taken together. All the public sector banks taken

together under study had average number of 46533 branches. Maximum

average number of branches had been recorded for State Bank of India

(9319), followed by Punjab National Bank (3858) and Central Bank of India

(3159), while minimum average branches had been recorded in the case of

State Bank of Indore (404), followed by State Bank of Mysore (592) and State

Bank of Travancore (673).

The coefficient of variation regarding branch expansion in public

sector banks was highest in the case of Oriental Bank of Commerce

(31.06%), followed by Corporation Bank (29.27%) and Andhra Bank

(15.62%), while it was lowest in Dena Bank (2.78%), followed by United

Bank of India (4.21%) and Central Bank of India (4.90%).

4.1.2 BRANCH EXPANSION IN PRIVATE SECTOR BANKS IN

INDIA

The data relating to number of branches of private sector banks in

India, their growth rate and coefficient of variation were presented in Table

4.2. The number of private sector bank branches witnessed a constant

growth except SBI Commercial & International Bank during the entire

period under study. The exponential growth rate of branches for all private

sector banks, as computed at the end of March 2010 was 6.82 per cent. At

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the end of March 2010, HDFC Bank registered the highest exponential

growth (47.18%) followed by ICICI Bank (44.36%) and Axis Bank (43.41%).

Lowest exponential growth rate was witnessed in the case of Lakshami Vilas

Bank (1.87%), followed by Ratnakar Bank (2.05%) and Catholic Syrian Bank

(2.11%). In the year 1992, the maximum number of branches were recorded

in the case of Federal Bank (339), followed by South Indian Bank (307) and

Jammu & Kashmir Bank (305). The minimum number of branches were

recorded in the case of Nainital Bank (48), followed by Ratnakar Bank (62)

and City Union Bank (88). In the year 2010, maximum number of branches

were witnessed in the case of HDFC Bank (1715), followed by ICICI Bank

(1699) and Axis Bank (978). The minimum number of branches were

witnessed in the case of SBI Commercial & International Bank (2), followed

by Development Credit Bank (82) and Ratnakar Bank (88). Maximum

average number of branches were recorded in the case of ICICI Bank (499),

followed by Federal Bank (439) and HDFC Bank (402), while minimum

average number of branches were recorded in the case of SBI Commercial &

International Bank (2), followed by Development Credit Bank (63) and

Nainital Bank (64). All the private sector banks taken together under study

recorded an average number of 4371 branches.

The coefficient of variation regarding branch expansion in private

sector banks was highest in the case of HDFC Bank (127.14%), followed by

Axis Bank (118.26%) and ICICI Bank (106.22%), while the ratio was lowest

in SBI Commercial & International Bank (0.00%), followed by Lakshami

Vilas Bank (11.45%) and Ratnakar Bank (12.23%).

4.2 DEPOSIT MOBILIZATION

Deposit mobilization is an important function of commercial banks.

Commercial banks have to mobilize resources in the form of deposits for

productive lending. In fact, the growth rate of a bank depends mainly upon

its deposits mobilization efforts. Collectively, banks hold the largest

resources through deposits. Banks are able to generate large deposits as

they also provide for the settlement process and machinery for mutual

claims. The performance of investment policies, their types and the capacity

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of credit creation also depends on the quantum, composition and ownership

of deposits. Size of the deposits, decide the pattern of lending activities of

the bank. While size is important, the composition and source of deposit is

more important from the aspect of cost and intermediation. Since their

lending and profit earning capacities depend upon deposits, the

managements of banks are always engaged in working out plans and

schemes to mobilize maximum deposits. The total deposits of a bank depend

on a number of factors like the monetary policy and deposit mobilization by

other commercial banks. Commercial banks accept deposits, mainly on

three accounts:

a) Demand Deposits: Demand deposits are those which may be

withdrawn by the depositor or transferred to someone else at any time

without prior notice to bank. Demand deposits serve both as a means

of payment and as a store of value. The rate of interest on demand

deposits which form the bulk of demand deposits is nil. These are

maintained by those who need liquid balance. Demand deposits

constitute the universal means of payment.

b) Saving Deposits: Saving deposit is meant for small businessmen and

individuals who wish to save a little out of their current incomes to

safeguard their future and also to earn some interest on their savings.

c) Term deposits: Term deposits mean the deposit repayable only after

the expiry of a specified period. Banks pay interest on the deposit

according to maturity. The rate of interest on term deposits depends

upon the length of the time of the deposit. Term deposits are the most

suitable form of raising resources for a commercial bank.

4.2.1 DEPOSIT MOBILIZATION BY PUBLIC SECTOR BANKS IN

INDIA

There was increase in the deposits mobilized by Public Sector Banks

operating in India during the period under study. The data relating to

deposits mobilized by public sector banks has been presented in Table 4.3.

Oriental Bank of Commerce (20.96%) recorded the highest exponential

growth in deposit mobilized during the study period. During the same

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period, Indian Bank showed the lowest exponential growth (12.48%) in

deposit mobilized. State Bank of India, Bank of Baroda, Bank of India,

Central Bank of India, Dena Bank, Indian Overseas Bank, Punjab & Sind

Bank, and United Bank of India had lower exponential growth in deposits

than that of all Public Sector Banks taken together. While Allahabad Bank,

Andhra Bank, Bank of Maharashtra, Canara Bank, Corporation Bank,

Oriental Bank of Commerce, Punjab National Bank, Syndicate Bank, UCO

Bank, Union Bank of India, Vijaya Bank, and Subsidiaries of State Bank of

India had higher exponential growth in deposits than that of all public

sector banks taken together. At the end of March 2010, State Bank of India

mobilized the maximum amount of deposits (Rs. 80411623 lakh). On the

other hand, State Bank of Indore showed lowest level of deposits (Rs.

3062448 lakh). Average deposits for the years 1992 to 2010 of all public

sector banks taken together under study were Rs. 110632290 lakh. State

Bank of India had highest average deposits (Rs. 27207202 lakh), followed by

Punjab National Bank (Rs. 7813023 lakh) and Canara Bank (Rs. 7465607

lakh). On the other hand, State Bank of Indore recorded lowest average

deposits (Rs. 982540 lakh), followed by State Bank of Mysore (Rs. 1136614

lakh) and Punjab & Sind Bank (Rs. 1343209 lakh). Maximum variation in

deposits was witnessed by Corporation Bank (107.33 % C.V.), followed by

Oriental Bank of Commerce (101.37% C.V.) and State Bank of Indore

(99.46% C.V.), whereas minimum variation was recorded for Indian Bank

(80.38% C.V.), followed by Dena Bank (82.21% C.V.) and United Bank of

India (83.18% C.V.).

4.2.2 DEPOSIT MOBILIZATION BY PRIVATE SECTOR BANKS

IN INDIA

Table 4.4 portrays an increasing trend in the deposits mobilized by

private sector banks operating in India during the period 1992 to 2010. In

1992, highest deposit mobilization was found in the case of Jammu &

Kashmir Bank (Rs.154756 lakh), followed by Federal bank (Rs. 149136 lakh)

and Bank of Rajasthan (Rs. 106270 lakh). The least deposit mobilization

was found in Ratanakar Bank (Rs. 8916 lakh), followed by Nainital Bank

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(Rs. 11994 lakh) and Dhanlaxmi Bank (Rs. 16329 lakh). At the end of

March 2010, ICICI Bank mobilized the maximum amount of deposits (Rs.

20201660 lakh), followed by HDFC Bank (Rs. 16740444 lakh) and Axis

Bank (Rs. 14130022 lakh). On the other hand, SBI Commercial &

International Bank showed lowest level of deposits of (Rs. 49152 lakh),

followed by Ratnakar Bank (Rs. 158504 lakh) and Nainital Bank (Rs.

250749 lakh). ICICI Bank recorded the highest exponential growth rate

(57.11%) in deposit mobilized during the study period, followed by HDFC

Bank (47.21%) and Axis Bank (45.70%). During the same period, SBI

Commercial & International Bank showed the lowest exponential growth

rate (1.84%) in deposit mobilized with Development Credit Bank ahead at

(12.95%) and Catholic Syrian Bank (13.92%). Axis Bank, HDFC Bank and

ICICI Bank had higher exponential growth in deposits than that of all

private sector banks taken together, while all other private sector banks

registered lower exponential growth in deposits than that of all private sector

banks taken together. Average deposits from the year 1992 to 2010 of all

private sector banks taken together under study amounted to Rs. 21449291

lakh. The maximum average deposits were recorded in the case of ICICI

Bank (Rs. 8412019 lakh), followed by HDFC Bank (Rs. 4185448 lakh) and

Axis Bank (Rs. 3439839 lakh), whereas minimum average deposits exhibited

by SBI Commercial & International Bank (Rs. 44067 lakh), followed by

Ratanakar Bank (Rs. 57563 lakh) and Nainital Bank (Rs. 77865 lakh). The

coefficient of variation regarding deposits in private sector banks was

highest in Axis Bank (129.08%), followed by the HDFC Bank (125.83%) and

ICICI Bank (112.26%), while it was lowest in the case of SBI Commercial &

International Bank (18.68%), followed by Development Credit Bank (45.92%)

and Catholic Syrian Bank (62.81%).

4.2.3 DEMAND DEPOSITS IN PUBLIC SECTOR BANKS IN

INDIA

Table 4.5 portrays the trend in demand deposits of the Public Sector

Banks operating in India. All the public sector banks registered steady

growth in mobilizing demand deposits except Corporation Bank. By the end

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of March 2010, State Bank of India contributed maximum amount towards

demand deposits (Rs. 12257943 lakh), followed by Punjab National Bank

(Rs. 2371719 lakh) and Bank of Baroda (Rs. 1892359 lakh). The lowest

contribution in respect of demand deposits pertained to State Bank of

Travancore (Rs. 239758 lakh), followed by State Bank of Indore (Rs. 281614

lakh) and State Bank of Mysore (Rs. 290527 lakh). Average demand deposits

for the years 1992 to 2010 of all the public sector banks taken together

under study were Rs. 13733659 lakh. State Bank of India exhibited highest

average demand deposits (Rs. 4903495 lakh), followed by Punjab National

Bank (Rs. 903370 lakh) and Canara Bank (Rs. 804117 lakh). On the other

hand, State Bank of Indore recorded lowest average demand deposits (Rs.

112776 lakh), followed by State Bank of Mysore (Rs. 114461 lakh) and State

Bank of Travancore (Rs. 118618 lakh). The exponential growth rate of

demand deposits of all the public sector banks in India was 11.89%.

Oriental Bank of Commerce exhibited highest exponential growth rate in

demand deposits (17.80%), followed by Corporation Bank (17.68%). State

Bank of Patiala, Allahabad Bank, Bank of Baroda, Bank of India, Canara

Bank, Central Bank of India, Dena Bank, Indian Bank, and UCO Bank

recorded lower growth rate in demand deposits than growth rate of all the

public sector banks taken together under study. Maximum variations in

deposits were witnessed by Corporation Bank (103.49% C.V.), followed by

Oriental Bank of Commerce (89.22% C.V.) and Andhra Bank (86.22% C.V.),

whereas and minimum variations were found in the case of State Bank of

Patiala (48.74% C.V.), followed by Bank of India (51.20% C.V.) and Canara

Bank (51.71% C.V.).

4.2.4 DEMAND DEPOSITS IN PRIVATE SECTOR BANKS IN

INDIA

Table 4.6 portrays the trend in demand deposits of the Private Sector

Banks operating in India. All the Private Sector Banks recorded steady

growth in mobilizing demand deposits. In 1992, highest demand deposits

were found in the case of Jammu & Kashmir Bank (Rs. 40981 lakh),

followed by Bank of Rajasthan (Rs. 23815 lakh) and Federal Bank (Rs.

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20492 lakh). The least demand deposits were found in the case of Ratanakar

Bank (Rs. 1107 lakh), followed by Nainital Bank (Rs. 1139 lakh) and

Dhanlaxmi Bank (Rs. 1547 lakh). By the end of March 2010, HDFC Bank

contributed maximum amount towards demand deposits (Rs. 3722710

lakh), followed by Axis Bank (Rs. 3216774 lakh) and ICICI Bank (Rs.

3099746 lakh). The lowest contribution in respect of demand deposits

pertained to SBI Commercial & International Bank (Rs. 1167 lakh), followed

by Nainital Bank (Rs. 15203 lakh) and Ratnakar Bank (Rs. 27746 lakh).

Average demand deposits from the year 1992 to 2010 of all the private

sector banks taken together under study amounted to Rs. 3051633 lakh.

The maximum average demand deposits were recorded in the case of HDFC

Bank (Rs. 1034954 lakh,) followed by ICICI Bank (Rs. 922469 lakh) and Axis

Bank (Rs. 719605 lakh). However, minimum average demand deposits had

been recorded for SBI Commercial & International Bank (Rs. 1963 lakh),

followed by Nainital Bank (Rs. 6365 lakh) and Ratnakar Bank (Rs. 8307

lakh). The exponential growth rate of demand deposits for all the private

sector banks taken together was (29.38%). Axis Bank exhibited highest

exponential growth rate in demand deposits (51.82%), followed by HDFC

Bank (49.71%). Maximum variations in deposits were witnessed by Axis

Bank (139.18% C.V.), HDFC Bank (116.20% C.V.) and ICICI Bank (113.94%

C.V.). However, minimum variations was found in Catholic Syrian Bank

(39.10% C.V.), followed by Nainital Bank (52.05% C.V.) and Lakshami Vilas

Bank (52.54% C.V.).

4.2.5 SAVING DEPOSITS IN PUBLIC SECTOR BANKS IN INDIA

Saving deposits proved to be the second most important segment of

the total deposits. The Table 4.7 shows that annual growth rate ranged in

between 15 per cent to 21 per cent. By the end of March 2010, highest

contribution in respect of saving deposits pertained to State Bank of India

(Rs. 25746030 lakh), followed by Punjab National Bank (Rs. 7813281 lakh).

The lowest contribution in respect of saving deposits pertained to State

Bank of Indore (Rs. 734432 lakh. Average saving deposits for the years

1992 to 2010 of all the public sector banks taken together under study were

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Rs. 28335844 lakh. State Bank of India showed the highest average saving

deposits (Rs. 7399047 lakh), followed by Punjab National Bank (Rs.

2622151 lakh) and Canara Bank (Rs. 1758177 lakh). State Bank of Indore

recorded lowest average saving deposits (Rs. 223872 lakh), followed by State

Bank of Mysore (Rs. 276324 lakh) and Punjab & Sind Bank (Rs. 364245

lakh). The exponential growth of saving deposits of all the public sector

banks was 17.10 per cent during the study period. Corporation Bank

showed highest exponential growth (21.21%) and lowest exponential growth

had been shown by Punjab & Sind Bank (14.66%).

State Bank of India, State Bank of Bikaner & Jaipur, State Bank of

Hyderabad, State Bank of Indore, State Bank of Mysore, State Bank of

Travancore, Andhra Bank, Corporation Bank, Indian Overseas Bank,

Oriental Bank of Commerce, Punjab National Bank, and Vijaya Bank

showed exponential growth more than all the public sector banks taken

together. Public sector banks showing lower exponential growth rate than all

the public sector banks taken together were, State Bank of Patiala,

Allahabad Bank, Bank of Baroda, Bank of India, Bank of Maharashtra,

Canara Bank, Central Bank of India, Dena Bank, Indian Bank, Punjab &

Sind Bank, Syndicate Bank, UCO Bank, and Union Bank of India.

Maximum variations in saving deposits were witnessed by Corporation Bank

(97.15% C.V.), followed by State Bank of Mysore (93.27% C.V.) and State

Bank of India (93.18% C.V.), while minimum variations were recorded for

Punjab & Sind Bank (70.69% C.V.), followed by Central Bank of India

(72.59% C.V.) and UCO Bank (73.68% C.V.).

4.2.6 SAVING DEPOSITS IN PRIVATE SECTOR BANKS IN

INDIA

Table 4.7 depicts saving deposits in the case of Private Sector Banks

in India. In 1992, highest saving bank deposits were found in the case of

Jammu & Kashmir Bank (Rs. 45205 lakh,) followed by Federal Bank (Rs.

29950 lakh) and Bank of Rajasthan (Rs. 23793 lakh). The least saving bank

deposits were found in Ratanakar Bank (Rs. 2090 lakh), followed by City

Union Bank (Rs. 3966 lakh) and Dhanlaxmi Bank (Rs. 4369 lakh). By the

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end of March 2010, highest contribution in respect of saving deposits

pertained to ICICI Bank (Rs. 5321837 lakh), followed by HDFC Bank (Rs.

4987678 lakh). The lowest contribution in respect of saving deposits

pertained to SBI Commercial & International Bank (Rs. 6409 lakh). Average

saving deposits from the year 1992 to 2010 of all the private sector banks

taken together under study amounted to Rs. 3897504 lakh. The maximum

average saving deposits were recorded in the case of ICICI Bank (Rs.

1324947 lakh), followed by HDFC Bank (Rs. 1107496 lakh) and Axis Bank

(Rs. 692131 lakh). However, minimum saving deposits were recorded for SBI

Commercial & International Bank (Rs. 2038 lakh), followed by Ratankar

Bank (Rs. 9815 lakh) and Dhanlaxmi Bank (Rs. 28767 lakh). Overall

exponential growth of all the private sector banks taken together was 31.42

per cent during the study period. Axis Bank showed highest exponential

growth, i.e., 87.42 per cent and lowest exponential growth had been shown

by Catholic Syrian Bank (14.90%).

Axis Bank, HDFC Bank and ICICI Bank showed exponential growth

more than the all private sector banks taken together. Private sector banks

showing lower than the all private sector banks taken together were, Bank of

Rajasthan, Catholic Syrian Bank, City Union Bank, Development Credit

Bank, Dhanlaxmi Bank, Federal Bank, IndusInd Bank, Jammu & Kashmir

Bank, Karnataka Bank, Karur Vysya Bank, Lakshmi Vilas Bank, Nainital

Bank, Ratnakar Bank, SBI Commercial & International Bank, South Indian

Bank, and Tamilnad Mercantile Bank.

The coefficient of variation regarding saving deposits in private sector

banks was highest in Axis Bank (153.46%), followed by ICICI Bank

(134.02%) and HDFC Bank (133.94%,) while Development Credit Bank

(61.76%), followed by Catholic Syrian Bank (72.82%) and SBI Commercial &

International Bank (78.50%) showed lowest variations.

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4.2.7 TERM DEPOSITS IN PUBLIC SECTOR BANKS IN INDIA

Table 4.9 highlights the trend in the term deposits of Public Sector

Banks in India. The highest exponential growth during the study period

pertained to State Bank of Indore (22.43%), followed by Oriental Bank of

Commerce (21.74%) and Corporation Bank (21.55%). Indian Bank exhibited

the lowest exponential growth of 11.56 per cent during the study period.

Average term deposits for the years 1992 to 2010 of all the public sector

banks taken together under study were Rs. 72574573 lakh. State Bank of

India showed highest average term deposits (Rs. 16047071 lakh), followed

by Canara Bank (Rs. 5784271 lakh) and Bank of Baroda (Rs. 5071371

lakh). While State Bank of Indore recorded lowest average term deposits (Rs.

677492 lakh), followed by State Bank of Mysore (Rs. 780797 lakh) and State

Bank of Bikaner & Jaipur (Rs. 899268 lakh).

State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State

Bank of Indore, State Bank of Mysore, State Bank of Patiala, State Bank of

Travancore, Allahabad Bank, Andhra Bank, Bank of Maharashtra, Canara

Bank, Corporation Bank, Oriental Bank of Commerce, Syndicate Bank, UCO

Bank, Union Bank of India, and Vijaya Bank had more exponential growth

than that of all the public sector banks taken together. Maximum variations

in term deposits were witnessed by State Bank of Patiala (105.42% C.V.),

followed by Corporation Bank (103.66% C.V.) and UCO Bank (99.24% C.V.).

However, minimum variations had been recorded for Indian Bank (72.69%

C.V.), followed by State Bank of India (75.27% C.V.) and United Bank of

India (79.64% C.V.).

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4.2.8 TERM DEPOSITS IN PRIVATE SECTOR BANKS IN INDIA

Table 4.10 highlights the trend in the term deposits of private sector

banks in India. In 1992, highest term deposits were found in the case of

Federal Bank (Rs. 98694 lakh), followed by Jammu & Kashmir Bank (Rs.

68570 lakh) and Bank of Rajasthan (Rs. 58661 lakh). The least term

deposits were found in the case of Ratanakar Bank (Rs. 5718 lakh), followed

by Nainital Bank (Rs. 6129 lakh) and Dhanlaxmi Bank (Rs. 10413 lakh). In

2010, ICICI Bank accounted for highest amount of term deposits

(Rs.11780077 lakh), followed by HDFC Bank (Rs. 8030056 lakh). On the

other hand, SBI Commercial & International Bank showed minimum share

in total term deposits (Rs. 41576 lakh). Average term deposits from the year

1992 to 2010 of all the private sector banks taken together under study

amounted to Rs. 14500154 lakh. The maximum average term deposits were

recorded in ICICI Bank (Rs. 6164602 lakh), followed by HDFC Bank (Rs.

2042998 lakh) and Axis Bank (Rs. 2028103 lakh), while minimum term

deposits were registered for Ratnakar Bank (Rs. 39441 lakh), followed by

SBI Commercial & International Bank (Rs. 40066 lakh) and Nainital Bank

(Rs. 41746 lakh). The highest exponential growth during the study period

pertained to ICICI Bank (57.20%), followed by HDFC Bank (42.37%) and

Axis Bank (40.98%). SBI Commercial & International Bank exhibited the

lowest exponential growth rate (1.10%) during the study period. Private

sector banks having lower exponential growth in term deposits during the

study period as compared to exponential growth rate of all the private sector

banks taken together were, Bank of Rajasthan, Catholic Syrian Bank, City

Union Bank, Development Credit Bank, Dhanlaxmi Bank, Federal Bank,

IndusInd Bank, Jammu & Kashmir Bank, Karnataka Bank, Karur Vysya

Bank, Lakshami Vilas Bank, Nainital Bank, Ratnakar Bank, SBI

Commercial & International Bank, South Indian Bank, and Tamilnad

Mercantile Bank.

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Axis Bank, HDFC Bank and ICICI Bank had more exponential growth than

that of all the private sector banks in India. Maximum variations in term

deposits were witnessed by HDFC Bank (128.76% C.V.), followed by Axis

Bank (117.79% C.V.) and ICICI Bank (110.66% C.V.). On the other hand,

minimum variations had been registered for SBI Commercial & International

Bank (20.19% C.V.), followed by Development Credit Bank (45.17% C.V.)

and Catholic Syrian Bank (62.82% C.V.).

4.3 CREDIT DEPLOYMENT

Lending or advancing loans is one of the main function of a commercial

bank. A commercial bank provides credit to the public directly or indirectly.

Lending is done on the basis of the fund raised, i.e., by accepting deposits

from the public. So, on the one hand bank accepts deposits from people,

they lend from very corpus of funds on the other hand. Lending is

imperative to earn revenue. A major portion of the bank deposits get blocked

in cash reserves and liquid assets to meet CRR and SLR requirements. The

residual or deployable funds have to be lent very carefully so that not only

the banks can meet establishment expenses and interest obligations

comfortably but also earn a reasonable return on funds. The banks lend on

the basis of three principles – safety, liquidity and profitability. As per safety

principles banks make sure that the loans have been granted to a reliable

borrower who can repay from a reasonably sure source within a relatively

short period. Liquidity refers to the readiness with which a bank can convert

its assets into cash with little or nominal loss. Being a source of revenue

they also contribute to profits of the bank. Galbraith writes about the

importance of bank credit as, “The miracle of money creation by the bank

could stimulate industry and trade, give almost everyone a feeling of well

being”. Credit policy of bank gives them a special status in the economic

system of a country. A judicious use of bank credit can be instrumented in

economic growth, whereas its reckless use may spell perils. Type wise

classification of loans and advances is given in the following manner:

a) Bills Purchased and Discounted

b) Cash credits, overdrafts & loans

c) Term Loans

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4.3.1 CREDIT DEPLOYMENT BY PUBLIC SECTOR BANKS IN

INDIA

The data relating to credit deployment by public sector banks has

been presented in Table 4.11. Public sector banks witnessed the moderate

growth in credit. The annual growth rate of credit extended ranged from 13

per cent to 26 per cent of all public sector banks under study. The annual

growth rate of credit was highest in the case of Central Bank of India

(25.55%), followed by Oriental Bank of Commerce (23.52%) and Andhra

Bank (22.32%), while it was lowest in the case of Indian Bank (12.71%),

followed by Bank of Baroda (15.93%) and State Bank of India (16.44%). The

banks indicating relatively higher exponential growth in credit as compared

to exponential growth of all public sector banks taken together were, State

Bank of Bikaner & Jaipur (19.66%), State Bank of Hyderabad (19.87%),

State Bank of Indore (22.10%), State Bank of Mysore (19.99%), State Bank

of Patiala (20.88%), State Bank of Travancore (19.46%), Andhra Bank

(22.32%), Bank of Maharashtra (20.21%), Canara Bank (19.39%),

Corporation Bank (25.55%), Oriental Bank of Commerce (23.52%), Punjab

National Bank (19.15%), Syndicate Bank (20.54%), UCO Bank (18.55%),

Union Bank of India (20.80%), and Vijaya Bank (21.38%). The banks

showing lower exponential growth in credit as compared to overall

exponential growth of all public sector banks were, State Bank of India

(16.44%), Allahabad Bank (19.18%), Bank of Baroda (15.93%), Bank of India

(16.45%), Central Bank of India (16.97%), Dena Bank (17.16%), Indian Bank

(12.71%), Indian Overseas Bank (17.30%), Punjab & Sind Bank (16.74%),

and United Bank of India (17.43%). At the end of March 2010, maximum

credit extended by State Bank of India (Rs. 63191415 lakh), while the

minimum credit extended by State Bank of Indore (Rs. 2367708 lakh).

Average credit deployment for the years 1992 to 2010 of all public sector

banks taken together under study stood at Rs. 70627344 lakh. State Bank

of India exhibited highest average credit (Rs. 18324270 lakh), followed by

Punjab National Bank (Rs. 5087191 lakh) and Bank of India (Rs. 4957380

lakh), whereas State Bank of Indore recorded lowest average credit

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(Rs. 700270 lakh), followed by Punjab & Sind Bank (Rs. 790602 lakh) and

State Bank of Mysore (Rs. 805713 lakh).

Maximum variations in credit deployment were witnessed by

Corporation Bank (113.13% C.V.), followed by Oriental Bank of Commerce

(111.53% C.V.) and Andhra Bank (111.44% C.V.). However, minimum

variation had been registered for Dena Bank (91.61% C.V.), followed by

Indian Bank (92.85% C.V.) and Bank of India (93.65% C.V.).

4.3.2 CREDIT DEPLOYMENT BY PRIVATE SECTOR BANKS IN

INDIA

The data relating to credit deployment by private sector banks has been

presented in Table 4.12. The annual growth rate of credit extended by

private sector banks ranged from 2 per cent to 66 per cent under study. The

annual growth rate of credit was highest in the case of ICICI Bank (66.37%),

followed by HDFC Bank (56.66%) and Axis Bank (45.28%), while it was

lowest in the case of SBI Commercial & International Bank (1.87%) followed

by Development Credit Bank (14.36%) and Catholic Syrian Bank (14.64%).

The banks indicating relatively higher exponential growth in credit as

compared to exponential growth of all private sector banks taken together

were, Axis Bank, HDFC Bank and ICICI Bank. The banks showing lower

exponential growth in credit as compared to overall exponential growth of all

private sector banks were, Bank of Rajasthan (15.68%), Catholic Syrian

Bank (14.64%), City Union Bank (24.24%), Development Credit Bank

(14.36%), Dhanlaxmi Bank (20.75%), Federal Bank (20.78%), IndusInd

Bank (22.54%), Jammu & Kashmir Bank (21.96%), Karnataka Bank

(21.89%), Karur Vysya Bank (25.25%), Lakshami Vilas Bank (21.20%),

Nainital Bank (21.72%), Ratanakar Bank (17.68%), SBI Commercial and

Internatioanl Bank (1.87%), South Indian Bank (22.01%), and Tamilnad

Mercantile Bank (20.03%). In 1992, highest credit deployment was found in

the case of Jammu & Kashmir Bank (Rs. 98113 lakh), followed by Federal

Bank (Rs.66370 lakh) and Bank of Rajasthan (Rs. 53955 lakh). The least

credit deployment was found in the case of Nainital Bank (Rs. 5103 lakh),

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followed by Ratanakar Bank (Rs. 5209 lakh) and Dhanlaxmi Bank (Rs. 7411

lakh). At the end of March 2010, maximum credit was extended by ICICI

Bank (Rs. 18120560 lakh), while the lowest credit was extended by SBI

Commercial & Internatioanl Bank (Rs. 20510 lakh). Average credit deployed

from the year 1992 to 2010 of all private sector banks taken together under

study amounted to Rs. 15558052 lakh. The maximum average credit

deployment was recorded in ICICI Bank (Rs. 7727956 lakh), followed by

HDFC Bank (Rs. 2770683 lakh) and Axis Bank (Rs. 2224548 lakh), whereas

minimum credit had been registered for SBI Commercial & International

Bank (Rs. 23810 lakh), followed by Ratnakar Bank (Rs. 32390 lakh) and

Nainital Bank (Rs. 33989 lakh).

The coefficient of variations regarding credit in private sector

banks wass highest in the case of Axis Bank (144.47%), followed by HDFC

Bank (138.14%) and Nainital Bank (120.62%), while lowest variations had

been recorded by SBI Commercial & International Bank (29.89%),

Development Credit Bank (51.35%) and Catholic Syrian Bank (72.77%).

4.3.3 BILLS PURCHASED AND DISCOUNTED IN PUBLIC

SECTOR BANKS IN INDIA

Table 4.13 depicts the trends of bills purchased and discounted

mobilized by the public sector banks. The annual growth rate of bills

purchased and discounted for all public sector banks under study ranged

from 1 per cent to 20 per cent. In 1992, highest bills purchased and

discounted were found in the case of State Bank of India (Rs. 3644007

lakh), followed by Canara Bank (Rs. 138622 lakh) and Bank of Baroda (Rs.

129323 lakh). The least bills purchased and discounted were found in the

case of State Bank of Indore (Rs. 8273 lakh), followed by Bank of

Maharashtara (Rs. 10518 lakh) and United Bank of India (Rs. 12054 lakh).

By the end of March 2010, highest contribution in respect of bill purchased

and discounted pertained to State Bank of India (Rs. 4277473 lakh) followed

by Bank of India (Rs. 2547341 lakh) and Bank of Baroda (Rs. 1926593

lakh). The lowest contribution in respect of bill purchased and discounted

pertained to Punjab & Sind Bank (Rs. 62319 lakh), followed by State Bank

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of Mysore (Rs. 89802 lakh) and State Bank of Patiala (Rs. 89891 lakh).

Average bills purchased and discounted for the years 1992 to 2010 of all

public sector banks taken together under study amounted to Rs. 4994457

lakh. State Bank of India had highest average bills purchased and

discounted (Rs. 1667885 lakh), followed by Bank of India (Rs. 585689 lakh)

and Bank of Baroda (Rs. 434663 lakh), while Punjab & Sind Bank recorded

lowest average bills purchased and discounted (Rs. 32753 lakh), followed by

State Bank of India (Rs. 42363 lakh) and Bank of Maharashtra (Rs. 46079

lakh).

The exponential growth rate all public sector banks in bills purchased

and discounted during the study period was (12.82%).Bank of India

exhibited the highest exponential growth in bill purchased and discounted

(20.46%), followed by Corporation Bank (14.67%) and State bank of

Travancore (14.47%) during the study period. On the other hand, Indian

Bank showed growth rate of 0.60 per cent.

State Bank of India, State Bank of Indore, State Bank of Patiala and

State Bank of Travancore, Andhra Bank, Bank of Baroda, Bank of India,

Corporation Bank, Oriental Bank of Commerce, and Union Bank of India

indicated higher growth rate as compared to exponential growth of all public

sector banks taken together under study. Public sector banks having lower

growth rate in bill purchased and discounted during the study period as

compared to corresponding rate of all public sector banks as a whole were,

State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of

Mysore, Allahabad Bank, Bank of Maharashtra, Canara Bank, Central Bank

of India, Dena Bank, Indian Bank, Indian Overseas Bank, Punjab & Sind

Bank, Punjab National Bank, Syndicate Bank, UCO Bank, United Bank of

India, and Vijaya Bank. Maximum variations in bills purchased and

discounted were witnessed by Bank of India (119.50% C.V.), Bank of Baroda

(115.03% C.V.) and Oriental Bank of India (81.25% C.V.), while minimum

variations had been registered for Central Bank of India (19.10% C.V.),

followed by Indian Bank (44.38% C.V.) and Dena Bank (46.55% C.V.).

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4.3.4 BILLS PURCHASED AND DISCOUNTED IN PRIVATE


Table 4.14 depicts the trends of bills purchased and discounted by the

private sector banks in India. The exponential growth rate of bills purchased

and discounted for all private sector banks under study ranged from 3 per

cent to 54 per cent. In the year 1992, highest bills purchased and

discounted were found in the case of Federal Bank (Rs. 12007 lakh),

followed by Bank of Rajasthan (Rs. 10557 lakh) and Jammu & Kashmir

Bank (Rs. 8753 lakh). The least bills purchased and discounted were found

in the case of Nainital Bank (Rs. 120 lakh), followed by City Union Bank (Rs.

478 lakh) and Dhanlaxmi Bank (Rs. 815lakh). By the end of March 2010,

highest contribution in respect of bill purchased and discounted pertained

to HDFC Bank (Rs. 636147 lakh), followed by ICICI Bank (Rs. 445316 lakh)

and Axis Bank (Rs. 345006 lakh). The lowest contribution in respect of bill

purchased and discounted pertained to Nainital Bank (Rs. 990 lakh),

followed by SBI Commercial & International Bank (Rs. 6366 lakh) and

Catholic Syrian Bank (Rs. 7572 lakh). Average bills purchased and

discounted from the year 1992 to 2010 of all private sector banks taken

together under study amounted to Rs. 1005943 lakh. The maximum average

bills purchased and discounted recorded in ICICI Bank (Rs. 432262 lakh),

followed by HDFC Bank (Rs. 179687 lakh) and Axis Bank (Rs. 108622 lakh),

while minimum bills purchased and discounted recorded for Nainital Bank

(Rs. 302 lakh), followed by SBI Commercial & International Bank (Rs. 3068

lakh) and Ratnakar Bank (Rs. 3172 lakh).

ICICI Bank exhibited the highest exponential growth in bill purchased

and discounted (53.87%, followed by HDFC Bank (38.22%) and Axis Bank

(22.20%) during the study period. Private sector banks having lower growth

rate in bill purchased and discounted during the study period as compared

to corresponding rate of all private sector banks taken together were, Axis

Bank, Bank of Rajasthan, Catholic Syrian Bank, City Union Bank,

Development Credit Bank, Dhanlaxmi Bank, Federal Bank, IndusInd Bank,

Jammu & Kashmir Bank, Karnataka Bank, Karur Vysya Bank, Lakshmi

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Vilas Bank, Nainital Bank, Ratankar Bank, SBI Commercial & International

Bank, South Indian Bank, and Tamilnad Mercantile Bank.

The coefficient of variations regarding bills purchased and discounted

in private sector banks was highest in the case of Ratnakar Bank (222.53%),

followed by South Indian Bank (133.97%) and ICICI Bank (125.54%), while

least variations had been registered by Catholic Syrian Bank (35.65%),

followed by Bank of Rajasthan (36.96%) and Federal Bank (52.37%).

4.3.5 CASH CREDITS, OVERDRAFTS & LOANS IN PUBLIC


Table 4.15 exhibits the trend of cash credits, overdrafts & loans given

by public sector banks in India. The overall exponential growth rate of all

public sector banks was 14.71 per cent during study period. A close perusal

of Table indicates high variation in exponential growth rate of all public

sector banks. The highest exponential growth rate registered by Corporation

Bank (23.80%), followed by Andhra Bank (21.18%) and Union Bank of India

(20.41%). The lowest exponential growth rate during the entire study period

pertained to Indian Bank (9.67%), followed by United Bank of India (12.39%)

and Indian Overseas Bank (12.53%).

Public sector banks having lower exponential growth rate than the

exponential growth rate of all public sector banks taken together were, State

Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of Indore,

State Bank of Patiala, State Bank of Travancore, Allahabad Bank, Andhra

Bank, Bank Of Maharashtra, Canara Bank, Corporation Bank, Dena Bank,

Oriental Bank of Commerce, Punjab & Sind Bank, Punjab National Bank,

Syndicate Bank, UCO Bank, Union Bank of India, and Vijaya Bank. State

Bank of India, Bank of Baroda, Bank of India, Central Bank of India, Indian

Bank, Indian Overseas Bank, and United Bank of India showed lower

exponential rate as compared to exponential growth rate of all public sector

banks taken together. By the end of March 2010, maximum contribution in

respect of cash credits, overdrafts & loans pertained to State Bank of India

(Rs. 27515050 lakh), followed by Punjab National Bank (Rs. 8220707 lakh)

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and Canara Bank (Rs. 7989224 lakh). The minimum contribution to cash

credits, overdrafts & loans pertained to Punjab & Sind Bank (Rs. 862156

lakh), followed by State Bank of Mysore (Rs. 886835 lakh) and United Bank

of India (Rs. 940514 lakh). Average of cash credits, overdrafts & loans for

the years 1992 to 2010 of all public sector banks taken together under

study were Rs. 32671031 lakh. State Bank of India had highest average

cash credits, overdrafts & loans (Rs. 8123045 lakh), followed by Bank of

India (Rs. 2487613 lakh) and Punjab National Bank (Rs. 2427754 lakh),

while State Bank of Indore recorded lowest average cash credits, overdrafts

& loans (Rs. 302682 lakh), followed by Punjab & Sind Bank (Rs. 308264

lakh) and State Bank of Mysore (Rs. 324499 lakh).

Maximum variations in cash credits, overdrafts and term loans were

witnessed by Corporation Bank (119.40% C.V.), followed by Syndicate Bank

(114.38% C.V.) and Allahabad Bank (110.55% C.V.). however, minimum

variations had been registered by Central Bank of India (69.56% C.V.),

followed by Indian Bank (70.01% C.V.) and United Bank of India (72.19%

C.V.).

4.3.6 CASH CREDITS, OVERDRAFTS & LOANS IN PRIVATE


Table 4.16 exhibits the trend of cash credits, overdrafts & loans

mobilized by private sector banks in India. The overall exponential growth

rate of all private sector banks was 25.46 per cent during the study period.

The highest exponential growth rate was exhibited by HDFC Bank (51.59%),

followed by ICICI Bank (46.56%) and Axis Bank (39.24%). The lowest

exponential growth rate during the entire study period pertained to

Development Credit Bank (9.76%), followed by IndusInd Bank (11.27%) and

Bank of Rajasthan (11.46%). SBI Commercial & International Bank has

shown an annual decline in cash credits, overdrafts & loans (-8.54%).

Private sector banks having lower exponential growth rate than the

exponential growth rate of all private sector banks taken together were Bank

of Rajasthan, Catholic Syrian Bank, City Union Bank, Development Credit


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Bank, Karnataka Bank, Karur Vysya Bank, Lakshmi Vilas Bank, Nainital

Bank, Ratankar Bank, SBI Commercial & International Bank, South Indian

Bank, and Tamilnad Mercantile Bank. Axis Bank, HDFC Bank and ICICI

Bank showed higher exponential rate as compared to exponential growth

rate of all private sector banks taken together. In 1992, highest cash credits,

overdrafts & loans were found in the case of Jammu & Kashmir Bank

(Rs.77187 lakh), followed by Federal Bank (Rs. 42864 lakh) and Bank of

Rajasthan (Rs. 26635 lakh). The least bills purchased and discounted were

found in Ratanakar Bank (Rs. 2116 lakh), followed by Dhanlaxmi Bank (Rs.

4799 lakh) and Nainital Bank (Rs. 4983 lakh). By the end of March 2010,

maximum contribution in respect of cash credits, overdrafts & loans

pertained to Axis Bank (Rs. 2601356 lakh), followed by ICICI Bank (Rs.

2555523 lakh) and HDFC Bank (Rs. 2398526 lakh). The minimum

contribution to cash credits, overdrafts & loans pertained to SBI Commercial

& International Bank (Rs. 2050 lakh), followed by (Ratnakar Bank Rs.

34033 lakh) and Nainital Bank (Rs. 73248 lakh). Average cash credits,

overdrafts & loans from the year 1992 to 2010 of all private sector banks


average cash credits, overdrafts & loans were recorded in the case of ICICI

Bank (Rs. 1172078 lakh), followed by Axis Bank (Rs. 614226 lakh) and

HDFC Bank (Rs. 605184 lakh), while minimum average cash credits,

overdrafts & loans recorded for SBI Commercial & International Bank (Rs.

13872 lakh), followed by Ratnakar Bank (Rs. 14706 lakh) and Nainital

Bank (Rs. 20864 lakh).

Maximum variations in cash credit, overdrafts and loans were

witnessed by Axis Bank (132.05% C.V.), HDFC Bank (129.55% C.V.) and

Karur Vysya Bank (117.95% C.V.). However, minimum were recorded for

Development Credit Bank (50.51% C.V.), followed by IndusInd Bank

(54.65% C.V.) and Bank of Rajasthan (55.29% C.V.).

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4.3.7 TERM LOANS GIVEN BY PUBLIC SECTOR BANKS IN

INDIA

Table 4.17 portrays the term loans of all public sector banks under

study. Term Loans shown maximum variation in absolute figures as

compared to both bills purchased & discounted and cash credits, overdrafts

& loans. By the end of March 2010, State Bank of India contributed

maximum amount towards term loans (Rs. 31398892 lakh), followed by


lakh). The minimum contribution towards term loans was registered by

State bank of Indore (Rs. 1233934 lakh), followed by Dena Bank (Rs.

1844027 lakh) and State Bank of Mysore (Rs. 1917799 lakh). Average term

loans for the years 1992 to 2010 of all public sector banks taken together

under study were Rs. 34112729 lakh. State Bank of India exhibited highest

average term loans (Rs. 8533340 lakh), followed by Punjab National Bank

(Rs. 2401408 lakh) and Canara Bank (Rs. 2118408 lakh), while State Bank

of Indore recorded lowest average term loans (Rs. 355226 lakh), followed by

State Bank of Mysore (Rs. 423567 lakh) and State Bank of Bikaner & Jaipur

(Rs. 445564 lakh).

The exponential growth rate of term loans of all Public Sector Banks in

India during the study period was 23.64 per cent. Oriental Bank of

Commerce showed highest exponential growth (30.59%), followed by State

Bank of Patiala (30.30%) and State Bank of Mysore (30.14%).

State Bank of India, Allahabad Bank, Bank of Baroda, Bank of India,

Bank of Maharashtra, Central Bank of India, Dena Bank, Indian Bank,

Punjab & Sind Bank, Syndicate Bank, UCO Bank, Union Bank of India, and

United Bank of India showed lower rate of growth in term loans during the

period covered by study as compared to all public sector banks together.

State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank of

Indore, State Bank of Mysore, State Bank of Patiala, State Bank of

Travancore, Andhra Bank, Canara Bank, Corporation Bank, Indian

Overseas Bank, Oriental Bank of Commerce, Punjab National Bank, and

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Vijaya Bank showed higher exponential growth rate as compared to all

public sector banks together.

Maximum variations in term loans were witnessed by State Bank of

Mysore (140.06% C.V.), followed by Punjab & Sind Bank (136.99% C.V.) and

State Bank of Hyderabad (134.77% C.V.), while variations were recorded

minimum for Dena Bank (103.30% C.V.), followed by Bank of India

(108.34% C.V.) and State Bank of India (112.50% C.V.).

4.3.8 TERM LOANS GIVEN BY PRIVATE SECTOR BANKS IN

INDIA

Table 4.18 portrays the term loans of all private sector banks under

study. In the year 1992, highest term loans were found in the case of Bank

of Rajasthan (Rs.16763 lakh), followed by South Indian Bank (Rs.13978

lakh) and Jammu & Kashmir Bank (Rs. 12173 lakh). The least term loans

were found in Dhanlaxmi Bank (Rs. 1798 lakh), followed by City Union

Bank (Rs. 2439 lakh) and Ratanakar Bank (Rs. 2454 lakh). By the end of

March 2010, ICICI Bank contributed maximum amount towards term loans

(Rs. 15119721 lakh), followed by HDFC Bank (Rs. 9548386 lakh) and Axis

Bank (Rs. 7487732 lakh). The minimum contribution towards term loans

was exhibited by SBI Commercial & International Bank (Rs. 12093 lakh),

followed by Ratnakar Bank (Rs. 52844 lakh) and Nainital Bank (Rs. 54604

lakh). Average term loans from the year 1992 to 2010 of all private sector

banks taken together under study amounted to Rs. 10320905 lakh. The

maximum average term loans were recorded in the case of ICICI Bank (Rs.

6123616 lakh), followed by HDFC Bank (Rs. 1985812 lakh) and Axis Bank

(Rs. 1501660 lakh), while minimum average term loans were recorded for

SBI Commercial & International Bank (Rs. 6870 lakh), followed by Nainital

Bank (Rs. 12942 lakh) and Ratnakar Bank (Rs. 14513 lakh).

The exponential growth rate of term loans of all Private Sector Banks

in India during the period covered by study was 46.95 per cent. ICICI Bank

showed highest exponential growth (14.60%), followed by Axis Bank

(64.32%) and HDFC Bank (63.44%). Bank of Rajasthan, Catholic Syrian

Bank, City Union Bank, Development Credit Bank, Dhanlaxmi Bank,

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Federal Bank, Jammu & Kashmir Bank, Karnataka Bank, Karur Vysya

Bank, Lakshmi Vilas Bank, Ratankar Bank, SBI Commercial & International

Bank, South Indian Bank, and Tamilnad Mercantile Bank showed lower rate

of growth in term loans during the period covered by study as compared to

all private sector banks taken together. Axis Bank, HDFC Bank, ICICI Bank,

IndusInd Bank, and Nainital Bank showed higher exponential growth rate

as compared to all private sector banks together.

Maximum variations in term loans were witnessed by Axis Bank

(154.77% C.V.), followed by HDFC Bank (145.76% C.V.) and Nainital Bank

(144.54% C.V.).However, minimum variations had been recorded for

Development Credit Bank (65.96% C.V.), followed by Catholic Syrian Bank

(74.27% C.V.) and Ratnakar Bank (93.35% C.V.).

4.4 STRUCTURE OF INCOME

The income of Commercial Banks is divided into two main categories:

a) Interest Income: It is the major source of income to commercial

banks. Interest and Discount earned contribute 75 per cent to 93

per cent in total earnings of the banks. It includes interest or

discount on advances/ bills, income on investments and interest

on balances with RBI and other inter-bank funds.

b) Non-interest Income: The second contributing factor to income of

banks is commission, exchange, brokerage and other income. The

contribution of this component is declining in many banks. This

component contributes nearly 5 per cent to 7 per cent of total

income.

4.4.1 TOTAL INCOME OF PUBLIC SECTOR BANKS IN INDIA

The total income of public sector banks as exhibited in the Table 4.19

moved from Rs.3390125 lakh in 1992 to Rs. 33731274 lakh in 2010

delineating an exponential growth rate of 13.06 per cent during the study

period. This indicated approximately nine fold rise in the total income of

public sector banks during the study period. The highest exponential growth

rate of total income during the study period was portrayed by Corporation

Bank

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(18.80%), followed by Oriental Bank of Commerce (18.52%) and State Bank

of Indore (16.89%). The lowest exponential growth rate of total income

during the study period pertained to Indian Bank (10.51%), followed by

Bank of Baroda (11.07%) and Central Bank of India (12.13%).

State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank

of Indore, State Bank of Mysore, State Bank of Patiala, State Bank of


Bank, Corporation Bank, Indian Overseas Bank, Oriental Bank of

Commerce, Punjab National Bank, Syndicate Bank, UCO Bank, Union Bank

of India, and Vijaya Bank showed higher exponential growth rate in total

income as compared to growth rate of all public sector banks taken together.

The Banks indicating relatively lower exponential growth rate in total income

as compared to the growth rate of all public sector banks taken together

were, State Bank of India, Bank of Baroda, Bank of India, Central Bank of

India, Dena Bank, Indian Bank, Punjab & Sind Bank, and United Bank of

India. In the year 2010, highest contribution in total income pertained to

State Bank of India (Rs. 8596207 lakh). Average total income for the years

1992 to 2010 of all public sector banks taken together under study were Rs.

12248119 lakh. State Bank of India witnessed highest average total income

(Rs. 3328791 lakh), followed by Punjab National Bank (Rs. 855578 lakh)

and Canara Bank (Rs. 807137 lakh). On the other hand, State Bank of

Indore recorded lowest average total income (Rs. 114602 lakh), followed by

State Bank of Mysore (Rs. 137713 lakh) and Punjab & Sind Bank (Rs.

147746 lakh).

Maximum variation in total income was witnessed by Corporation

Bank (89.19% C.V.), followed by Oriental Bank of Commerce (86.33% C.V.)

and State Bank of Patiala (85.62% C.V.), while minimum variations had

been found for Dena Bank (59.03% C.V.), followed by United Bank of India

(64.72% C.V.) and State Bank of India (65.08% C.V.).

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4.4.2 TOTAL INCOME OF PRIVATE SECTOR BANKS IN INDIA

The total income of private sector banks in India under study, as

exhibited in the Table 4.20, moved from Rs. 98647 lakh in 1992 to Rs.

9354726 lakh in 2010 delineating an exponential growth rate of 30.94%

over the study period. The highest exponential growth rate of total income

was portrayed by ICICI Bank (65.15%), followed by HDFC Bank (52.46%)

and Axis Bank (44.14%). SBI Commercial & International Bank witnessed

an annual decline of -3.16 per cent. The lowest exponential growth rate of

total income pertained to Catholic Syrian Bank (11.99%), followed by Bank

of Rajasthan (12.40%) and Development Credit Bank (12.59%). Axis Bank,

HDFC Bank and ICICI Bank showed higher exponential growth rate in total

income as compared to growth rate of all private sector banks together. The

banks indicating relatively lower exponential growth rate in total income as

compared to the growth rate of all private sector banks together were, Bank

of Rajasthan, Catholic Syrian Bank, City Union Bank, Development Credit


Bank, Karnatka Bank, Karur Vysya Bank, Lakshami Vilas Bank, Nainital

Bank, Ratnakar Bank, SBI Commercial & International Bank, South Indian

Bank, and Tamilnad Mercantile Bank. In 1992, highest total income was

found in the case of Jammu & Kashmir Bank (Rs.20018 lakh), followed by

Federal Bank (Rs. 15015 lakh) and Bank of Rajasthan (Rs. 13133 lakh). The

least contribution in total income was found in Bank of Ratanakar (Rs.

1211 lakh), followed by Nainital Bank (Rs. 1502 lakh) and Dhanlaxmi Bank

(Rs. 1997 lakh). During the year 2010, ICICI Bank contributed highest to

the total income (Rs. 3318458 lakh). Average total income from the year

1992 to 2010 of all private sector banks taken together under study

amounted to Rs. 2672852 lakh. The maximum average total income were

recorded in ICICI Bank (Rs. 1267612 lakh), followed by HDFC Bank (Rs.

505134 lakh) and Axis Bank (Rs. 362298 lakh). On the other hand,

minimum average total income has been recorded for SBI Commercial &

International Bank (Rs. 5900 lakh), followed by Ratnakar Bank (Rs. 6491

lakh) and Nainital Bank (Rs. 7838 lakh).

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Maximum variations in total income were witnessed by Axis Bank

(135.37% C.V.), followed by HDFC Bank (132.84% C.V.) and ICICI Bank

(116.12% C.V.), whereas minimum variations had been witnessed by SBI

Commercial & International Bank (26.08% C.V.), followed by Development

Credit Bank (47.07% C.V.) and Catholic Syrian Bank (51.39% C.V.).

4.4.3 INTEREST INCOME OF PUBLIC SECTOR BANKS IN

INDIA

Table 4.21 exhibits the interest income of public sector banks during

the study period. At the end of March 2010, highest contribution in respect

of interest income pertained to State Bank of India (Rs. 7099392 lakh),

followed by Punjab National Bank (Rs. 2142207 lakh) and Canara Bank (Rs.

1875196 lakh). The lowest contribution in respect of interest income

pertained to State Bank of Indore (Rs. 273610 lakh), followed by State Bank

of Mysore (Rs. 355892 lakh) and Punjab & Sind Bank (Rs. 393418 lakh).

Average interest income for the years 1992 to 2010 of all public sector banks

taken together under study were Rs. 10561558 lakh. State Bank of India

registered highest average interest income (Rs. 2806071 lakh), followed by


lakh), while State Bank of Indore recorded lowest average interest income

(Rs. 97198 lakh), followed by State Bank of Mysore (Rs. 115890 lakh) and

Punjab & Sind Bank (Rs. 129759 lakh).

Corporation Bank exhibited the highest exponential growth rate


of Indore (16.82%). The lowest exponential growth rate in interest income

pertained to Indian Bank (10.08%), followed by Bank of Baroda (10.73%)

and Dena Bank (11.56%). Taking all Public Sector Banks, as a whole, the

exponential growth rate in interest income over the study period was 13.10

per cent. State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State

Bank of Indore, State Bank of Mysore, State Bank of Patiala, State Bank of

Travancore, Allahabad Bank, Andhra Bank, Bank of Maharashtra,

Corporation Bank, Indian Overseas Bank, Oriental Bank of Commerce,

Punjab National Bank, Syndicate Bank, UCO Bank, Union Bank of India,

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and Vijaya Bank recorded higher exponential growth rate as compared to

total public sector banks under study.

The coefficient of variations regarding interest income in public sector

banks was highest in the case of Corporation Bank (88.61%), followed by

State Bank of Patiala (87.16%) and Oriental Bank of Commerce (86.56%),

while Dena Bank (59.14%), followed by State Bank of India (63.93%) and

Bank of Baroda (64.20%) recorded minimum variations in interest income.

4.4.4 INTEREST INCOME OF PRIVATE SECTOR BANKS IN

INDIA

Table 4.22 exhibits the interest income of private sector banks under

study from 1992 - 2010. In the year 1992, highest interest income was

found in Jammu & Kashmir Bank (Rs.19430 lakh), followed by Federal

Bank (Rs. 13752 lakh) and Bank of Rajasthan (Rs. 11980 lakh). The least

contribution in interest income was found in the case of Ratanakar Bank

(Rs. 1166 lakh), followed by Nainital Bank (Rs. 1420 lakh) and Dhanlaxmi

Bank (Rs. 1778 lakh). At the end of March 2010, highest contribution in

respect of interest income pertained to ICICI Bank (Rs. 2570693 lakh),

followed by HDFC Bank (Rs. 1617272 lakh) and Axis Bank (Rs. 1163802

lakh). The lowest contribution in respect of interest income pertained to SBI

Commercial & International Bank (Rs. 4021 lakh), followed by Ratanakar

Bank (Rs. 14417 lakh) and Nainital Bank (Rs. 22408 lakh). Average interest

income from the year 1992 to 2010 of all private sector banks taken together

under study amounted to Rs. 2172591 lakh. The maximum average interest

income were recorded in ICICI Bank (Rs. 987137 lakh), followed by HDFC

Bank (Rs. 413743 lakh) and Axis Bank (Rs. 283755 lakh), whereas

minimum average interest income had been registered for SBI Commercial &

International Bank (Rs. 4811 lakh), followed by Ratnakar Bank (Rs. 5741

lakh) and Nainital Bank (Rs. 7323 lakh). ICICI Bank exhibited the highest

exponential growth rate in interest income (64.95%), followed by HDFC

Bank (51.81%) and Axis Bank (42.78%).

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SBI Commercial & International Bank recorded an annual decline of

-3.32 per cent. The lowest exponential growth rate in interest income

pertained to Catholic Syrian Bank (11.44%), followed by Development Credit

Bank (12.01%) and Rajasthan Bank (12.15%). Taking all private sector

banks, the exponential growth rate in interest income over the study period

was 29.92 per cent. Axis Bank, HDFC bank and ICICI Bank recorded higher

exponential growth rate as compared to all private sector banks under study

taken together.

The coefficient of variations regarding interest income by private

sector banks was highest in the case of Axis Bank (139.89%), followed by

HDFC Bank (132.32%) and ICICI Bank (117.34%), while SBI Commercial &

International Bank recorded minimum variations (26.97%), followed by

Development Credit Bank (46.69%) and Catholic Syrian Bank (50.26%).

4.4.5 NON-INTEREST INCOME OF PUBLIC SECTOR BANKS IN

INDIA

Table 4.23 portrays the data relating to non-interest income of all

public sector banks under study. Non-interest income constituted a

marginal part of the total income of public sector banks. The non-interest

income in public sector banks under study rose from Rs. 363467 lakh in

1992 to Rs. 4659150 lakh in 2010. This connotes an exponential growth

rate of 14.79 per cent over the study period. At the end of March 2010,

highest contribution to non interest income pertained to State Bank of India

(Rs. 1496815 lakh), while lowest contribution to total non-interest income

pertained to State Bank of Indore (Rs. 37338 lakh). Average non-interest

income for the years 1992 to 2010 of all public sector banks taken together

under study were Rs. 1686561 lakh. State Bank of India witnessed the

highest average non-interest income (Rs. 522720 lakh), followed by Canara

Bank (Rs. 114701 lakh) and Bank of India (Rs. 110776 lakh). On the other

hand, State Bank of Indore recorded lowest average non-interest income (Rs.

17404 lakh), followed by Punjab & Sind Bank (Rs. 17987 lakh) and Bank of

Maharashtra (Rs. 21823 lakh).

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State Bank of India, State Bank of Bikaner & Jaipur, State Bank of

Travancore, Bank of Baroda, Canara Bank, Central Bank of India, Indian

Bank, Indian Overseas Bank, and UCO Bank showed lower exponential

growth rate as compared to exponential growth rate of all public sector

banks taken together.

Oriental Bank of Commerce exhibited highest exponential

growth rate (21.90%), while lowest exponential growth rate pertained to

Central Bank of India (12.87%). Maximum variations in non-interest income

were witnessed by Corporation Bank (94.09% C.V.), followed by Union Bank

of India (92.55% C.V.) and Andhra Bank (90.05% C.V.). On the other hand,

minimum variations had been registered by State Bank of Bikaner & Jaipur

(65.90% C.V.), followed by State Bank of Travancore (67.10% C.V.) and

Punjab & Sind Bank (67.52% C.V.).

4.4.6 NON-INTEREST INCOME OF PRIVATE SECTOR BANKS

IN INDIA

Table 4.24 portrays the data relating to non-interest income of private

sector banks under study. Non-interest income in private sector banks

under study rose from Rs. 89943 lakh in 1992 to Rs. 1859908 lakh in 2010.

This connotes an exponential growth rate of 36.98 per cent. In the year

1992, highest non-interest income was found in the case of Federal Bank

(Rs. 1263 lakh), followed by Bank of Rajasthan (Rs. 1153 lakh) and

Tamilnad Mercantile Bank (Rs. 1009 lakh). The lowest non-interest income

was found in the case of Ratanakar Bank (Rs. 45 lakh), followed by Nainital

Bank (Rs. 82 lakh) and Dhanlaxmi Bank (Rs. 219 lakh). At the end of March

2010, highest contribution to non-interest income pertained to ICICI Bank

(Rs. 767765 lakh), while lowest contribution to non-interest income

pertained to SBI Commercial & International Bank (Rs. 584 lakh). Average

non-interest income from the year 1992 to 2010 of all private sector banks


average non-interest income were recorded in ICICI Bank (Rs. 280475 lakh),

followed by HDFC Bank (Rs. 91391 lakh) and Axis Bank (Rs. 78543 lakh).

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On the other hand, minimum average non-interest income recorded

for Nainital Bank (Rs. 515 lakh), followed by Ratnakar Bank (Rs. 750 lakh)

and SBI Commercial & International Bank (Rs. 1088 lakh).

Axis Bank, HDFC bank and ICICI Bank recorded higher exponential

growth rate as compared to that of all private sector banks over the study

period. The private sector banks having lower exponential growth rate in

interest income over the study period as compared to the corresponding rate

at all private sector banks taken together Bank of Rajasthan, Catholic

Syrian Bank, City Union Bank, Development Credit Bank, Dhanlaxmi Bank,

Federal Bank, IndusInd Bank, Jammu & Kashmir Bank, Karnataka Bank,

Karur Vysya Bank, Lakshami Vilas Bank, Nainital Bank, Ratankar Bank,

South Indian Bank, and Tamilnad Mercantile Bank. While, SBI Commercial

& International Bank showed an annual decline of -4.45 per cent.

ICICI Bank exhibited highest exponential growth rate (66.80%),

while lowest exponential growth rate pertained to Lakshami Vilas Bank

(12.22%). Maximum variations in non-interest income were witnessed by

Axis Bank (145.96% C.V.), followed by HDFC Bank (135.95% C.V.) and ICICI

Bank (112.60% C.V.). On the other hand, minimum variations had been

registered for SBI Commercial & International Bank (47.59% C.V.), followed

by Development Credit Bank (54.81% C.V.) and Lakshami Vilas Bank

(61.46% C.V.).

4.5 STRUCTURE OF EXPENDITURE

The main components of expenditure of Commercial Banks can be grouped

into two main heads:

a) Interest expenditure: Interest expenditure of commercial banks

includes interest paid on deposits and borrowings including

interest on RBI/ inter-bank borrowings.

b) Non-interest expenditure: Non-interest expenditure of commercial

banks constitutes of salaries, allowances, provident funds, bonus

and other expenses including rent, rates, taxes, lighting, printing,

stationery, postage etc.

120

4.5.1 TOTAL EXPENDITURE BY PUBLIC SECTOR BANKS IN

INDIA

Table 4.25 exhibits the data relating to total expenditure of public

sector banks operating in India. The total expenditure increased from Rs.

2840919 lakh in 1992 to Rs. 26317835 lakh in 2010. Taking all public

sector banks, as a whole, the exponential growth rate in total expenditure

during the study period was 12.23 per cent. The highest exponential growth

rate during the study period was observed in the case of Corporation Bank


of Indore (16.10%). The lowest exponential growth rate of total expenditure

pertained to Indian Bank (7.91%), followed by United Bank of India (10.37%)

and Bank of Baroda (10.44%). At the end of March 2010, maximum

contribution in total expenditure was recorded in the case of State Bank of

India (Rs. 6764116 lakh), followed by Punjab National Bank (Rs. 1770594

lakh) and Canara Bank (Rs. 1654905 lakh). Average total expenditure for

the years 1992 to 2010 of all public sector banks taken together under

study was Rs. 9745012 lakh. State Bank of India exhibited highest average

total expenditure (Rs. 2620970 lakh), followed by Punjab National Bank (Rs.

655755 lakh) and Canara Bank (Rs. 631291 lakh), while State Bank of

Indore recorded lowest average total expenditure (Rs. 88391 lakh), followed

by State Bank of Mysore (Rs. 10785 lakh) and Punjab & Sind Bank (Rs.

125787 lakh).

State Bank of Bikaner & Jaipur, State Bank of Hyderabad, State Bank

of Indore, State Bank of Mysore, State Bank of Patiala, State Bank of


Bank, Corporation Bank, Oriental Bank of Commerce, Punjab National

Bank, Syndicate Bank, Union Bank of India, and Vijaya Bank had higher

exponential growth rate as compared to exponential growth rate as

compared to exponential growth rate of all public sector banks under study.

Public sector banks exhibiting lower exponential growth rate in total

expenditure during the study period as compared to all public sector banks

taken together were, State Bank of India, Bank of Baroda, Bank of India,

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122

Central Bank of India, Dena Bank, Indian Bank, Indian Overseas Bank,

Punjab & Sind Bank, UCO Bank, and United Bank of India.

Maximum variations in total expenditure were witnessed by State

Bank of Patiala (93.19% C.V.), followed by Corporation Bank (91.09% C.V.)

and Oriental Bank of Commerce (89.90% C.V.). However, minimum

variations had been recorded for Indian Bank (52.39% C.V.), followed by

Dena Bank (56.81% C.V.) and United Bank of India (59.63% C.V.). While

comparing the trend in total expenditure with the trend in total income, a

pertinent association can be observed. If the income increased, expenditure

also increased and almost at the same rate in nearly all public sector banks.

4.5.2 TOTAL EXPENDITURE BY PRIVATE SECTOR BANKS IN

INDIA

Table 4.26 exhibits the data relating to total expenditure of private sector

banks under study. The total expenditure increased from Rs. 77667 lakh in

1992 to Rs. 6717671 lakh in 2010. Taking all Private Sector Banks, as a

whole, the exponential growth rate in total expenditure during the study

period was 30.23 per cent. The highest exponential growth rate during the

study period was observed in the case of ICICI Bank (64.96%), followed by

HDFC Bank (57.99%) and Axis Bank (43.15%). The lowest exponential

growth rate of total expenditure pertained to Catholic Syrian Bank (11.21%),

followed by Bank of Rajasthan (12.18%) and Ratnakar Bank (13.67%). SBI

Commercial & International Bank showed an annual decline (-4.35%). In

1992, highest total expenditure was found in the case of Federal Bank (Rs.

12230 lakh), followed by Jammu & Kashmir Bank (Rs. 12407 lakh) and

Bank of Rajasthan (Rs. 10988 lakh). The least total expenditure was found

in Ratanakar Bank (Rs. 1021 lakh), followed by Nainital Bank (Rs. 1256

lakh) and Dhanlaxmi Bank (Rs. 1916 lakh). At the end of March 2010,

maximum contribution was recorded in the case of ICICI Bank (Rs. 2345240

lakh), followed by HDFC Bank (Rs. 1372610 lakh) and Axis Bank (Rs.

1034325 lakh). Average total expenditure from the year 1992 to 2010 of all

private sector banks taken together under study amounted to Rs. 2029849

lakh. The maximum average total expenditure was recorded in the case of

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ICICI Bank (Rs. 982225 lakh), followed by HDFC Bank (Rs. 350512 lakh)

and Axis Bank (Rs. 261912 lakh), while minimum average total expenditure

recorded for SBI Commercial & International Bank (Rs. 4587 lakh), followed

by Ratnakar Bank (Rs. 5213 lakh) and Nainital Bank (Rs. 5969 lakh).

Axis Bank, HDFC bank and ICICI Bank during the period covered by

the study higher exponential growth rate as compared to exponential growth

rate as compared to exponential growth rate of all private sector banks.

Banks exhibiting lower exponential growth rate in total expenditure during

the study period as compared to all private sector banks taken together

were, Bank of Rajasthan, Catholic Syrian Bank, City Union Bank,

Development Credit Bank, Dhanlaxmi Bank, Federal Bank, IndusInd Bank,

Jammu & Kashmir Bank, Karnataka Bank, Karur Vysya Bank, Lakshami

Vilas Bank, Nainital Bank, Ratankar Bank, SBI Commercial & International

Bank, South Indian Bank, and Tamilnad Mercantile Bank.

Maximum variations in total expenditure were witnessed by HDFC

Bank (135.09% C.V.), followed by Axis Bank (130.51% C.V.) and ICICI Bank

(115.59% C.V.). However, minimum variations were registered for SBI


Credit Bank (48.74% C.V.) and Catholic Syrian Bank (51.65% C.V.).

4.5.3 INTEREST EXPENDED BY PUBLIC SECTOR BANKS

The data in Table 4.27 exhibits the share of interest paid on deposits

& borrowings of each public sector bank, co-efficient of variation, and

exponential growth rates for all public sector banks under study. In absolute

terms, interest paid on deposits & borrowings showed rising trend during

the entire study period. The interest paid on deposits & borrowings

increased from Rs. 2069116 lakh in 1992 to Rs. 19893484 lakh in 2010.

Average interest expenditure for the years 1992 to 2010 of all public sector

banks taken together under study were Rs. 6976854 lakh. State Bank of

India registered highest average interest expenditure (Rs. 1819584 lakh),

followed by Canara Bank (Rs. 468398 lakh) and Punjab National Bank (Rs.

451368 lakh), while State Bank of Indore recorded lowest average interest

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126

expenditure (Rs. 64484 lakh), followed by State Bank of Mysore (Rs. 75041

lakh) and Punjab & Sind Bank (Rs. 87911 lakh).

The exponential growth rate of interest paid on deposits & borrowings,

during the study period was 12.42%. The highest exponential growth rate of

interest paid on deposits & borrowings was observed in the case of Oriental

Bank of Commerce (18.71%), while Indian Bank showed lowest growth rate

(7.00%). State Bank of India, Bank of Baroda, Bank of India, Central Bank

of India, Dena Bank, Indian Bank, Indian Overseas Bank, Punjab & Sind

Bank, Punjab National Bank, and United Bank of India showed lower

exponential growth rate as compared to that of all public sector banks taken

together under study. Banks having higher exponential growth rate as

compared to corresponding exponential growth rate of all public sector

banks together during the study period were, State Bank of Bikaner &

Jaipur, State Bank of Hyderabad, State Bank of Indore, State Bank of

Mysore, State Bank of Patiala, State Bank of Travancore, Allahabad Bank,

Andhra Bank, Bank of Maharashtra, Canara Bank, Corporation Bank,

Oriental Bank of Commerce, Syndicate Bank, UCO Bank, Union Bank of

India, and Vijaya Bank.

Maximum variations in interest expenditure were witnessed by

State Bank of Patiala (103.78% C.V.), followed by Corporation Bank (97.29%

C.V.). On the other hand, Oriental Bank of Commerce (94.37% C.V.) and

minimum variations had been found in the case of Indian Bank (53.50%

C.V.), Dena Bank (62.10% C.V.) and Bank of Baroda (64.75% C.V.).

4.5.4 INTEREST EXPENDED BY PRIVATE SECTOR BANKS

The data in the Table 4.28 exhibits the share of interest paid on

deposits & borrowings of each private sector bank, co-efficient of variation,

exponential growth rates private sector banks covered under study. The

interest paid on deposits & borrowings increased from Rs. 51118 lakh in

1992 to Rs. 4682335 lakh in 2010. Average interest expenditure from the

year 1992 to 2010 of all private sector banks taken together under study

amounted to Rs. 14511196 lakh. The maximum average interest

expenditure was recorded in the case of ICICI Bank (Rs. 719951 lakh),

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128

followed by HDFC Bank (Rs. 207146 lakh) and Axis Bank (Rs. 183050 lakh).

On the other hand minimum interest expenditure had been registered for

Ratnakar Bank (Rs. 3500 lakh), followed by SBI Commercial &

International Bank (Rs. 3766 lakh) and Nainital Bank (Rs. 4049 lakh). The

highest exponential growth rate was observed in the case of ICICI Bank

(65.46%), while SBI Commercial & International Bank showed annual

decline (-5.99%). Bank of Rajasthan, Catholic Syrian Bank, City Union

Bank, Development Credit Bank, Dhanlaxmi Bank, Federal Bank, IndusInd

Bank, Jammu & Kashmir Bank, Karnataka Bank, Karur Vysya Bank,

Lakshami Vilas Bank, Nainital Bank, Ratankar Bank, SBI Commercial &

International Bank, South Indian Bank, and Tamilnad Mercantile Bank

showed lower exponential growth rate as compared to that of all private

sector banks taken together.

Minimum variations in interest expenditure were witnessed by SBI


Credit Bank (46.10% C.V.) and Catholic Syrian Bank (50.70% C.V.), while

maximum dispersion had been registered by HDFC Bank (134.05% C.V.),

followed by Axis Bank (125.14% C.V.) and ICICI Bank (117.16% C.V.).

4.5.5 OPERATING EXPENSES BY PUBLIC SECTOR BANKS

Table 4.29 highlights the amount expended for cost of management

and other expenses together i.e. operating expenses. The expenditure on this

account increased from Rs. 771804 lakh in 1992 to Rs. 6424351 lakh in

2010, at an exponential growth rate of 11.61 per cent over the study period.

The highest exponential growth rate during the study period exhibited by

Corporation Bank (16.74%), followed by Oriental Bank of Commerce

(15.93%) and Andhra Bank (13.55%). The lowest exponential growth rate

pertained to Central Bank of India (8.94%), followed by UCO Bank (9.66%)

and Dena Bank (9.71%). State Bank of Bikaner & Jaipur, State Bank of

Hyderabad, State Bank of Indore, State Bank of Mysore, State Bank of

Patiala, State Bank of Travancore, Allahabad Bank, Andhra Bank, Bank of

Baroda, Corporation Bank, Indian Overseas Bank, Oriental Bank of

Commerce, Punjab National Bank, and Vijaya Bank recorded higher growth

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130

rate as compared to exponential growth rate of all public sector banks taken

together under study. Banks exhibiting lower exponential growth were, State

Bank of India, Bank of India, Bank of Maharashtra, Central Bank, Dena

Bank, Indian Bank, Punjab & Sind Bank, Syndicate Bank, UCO Bank and

United Bank of India. The maximum amount of operating expenses in 2010

pertained to State Bank of India (Rs. 2031868 lakh). State Bank of Indore

exhibited minimum amount of operating expenses (Rs. 50814 lakh). Average

operating expenditure for the years 1992 to 2010 of all public sector banks

taken together under study were Rs. 2768157 lakh. State Bank of India

witnessed highest average operating expenditure (Rs. 801386 lakh), followed

by Punjab National Bank (Rs. 204386 lakh) and Bank of Baroda (Rs.

166766 lakh). On the other hand, State Bank of Indore recorded lowest

average operating expenditure (Rs. 23906 lakh), followed by State Bank of

Mysore (Rs. 33744 lakh) and Punjab & Sind Bank (Rs. 37876 lakh).

Maximum variations in operating expenses were witnessed by

Corporation Bank (76.56% C.V.), followed by Oriental Bank of Commerce

(75.54% C.V.) and Andhra Bank (66.79% C.V.), whereas minimum

variations were exhibited by Central Bank of India (42.23% C.V.), followed

by Dena Bank (46.58% C.V.) and United Bank of India (49.40% C.V.).

4.5.6 OPERATING EXPENSES BY PRIVATE SECTOR BANKS

Table 4.30 highlights the amount expended for cost of management

and other expenses together i.e. operating expenses. The expenditure on this

account increased from Rs. 26551 lakh in 1992 to Rs. 2035336 lakh in

2010, at an exponential growth rate of 30.47 per cent over the study period.

The highest exponential growth rate during the study period was in respect

of ICICI Bank (65.18%), followed by HDFC Bank (55.26%) and Axis Bank

(49.73%). The lowest exponential growth rate pertained to SBI Commercial &

International Bank (3.19%), followed by Catholic Syrian Bank (12.31%) and

Lakshami Vilas Bank (12.54%). Axis Bank, HDFC Bank and ICICI Bank

recorded higher growth rate as compared to exponential growth rate of all

private sector banks taken together under study. Banks exhibiting lower

exponential growth were, Bank of Rajasthan, Catholic Syrian Bank, City

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132

Union Bank, Development Credit Bank, Dhanlaxmi Bank, Federal

Bank, IndusInd Bank, Jammu & Kashmir Bank, Karnataka Bank, Karur

Vysya Bank, Lakshami Vilas Bank, Nainital Bank, Ratankar Bank, SBI

Commercial & International Bank, South Indian Bank, and Tamilnad

Mercantile Bank exhibited exponential growth rate just equal to exponential

growth rate of all private sector banks taken together under study. In 1992,

highest operating expenses were found in the case of Bank of Rajasthan (Rs.

3885 lakh), followed by Federal Bank (Rs. 3789 lakh) and Jammu &

Kashmir Bank (Rs. 3702 lakh). The least operating expenses were found in

Ratanakar Bank (Rs. 338 lakh), followed by Nainital Bank (Rs. 452 lakh)

and City Union Bank (Rs. 749 lakh). In the year 2010, the maximum

amount of operating expenses pertained to HDFC Bank (Rs. 593980 lakh),

while SBI Commercial & International Bank exhibited minimum amount of

operating expenses (Rs. 996 lakh). Average operating expenditure from the

year 1992 to 2010 of all private sector banks taken together under study

amounted to Rs. 578653 lakh. The maximum average operating expenditure

were recorded in the case of ICICI Bank (Rs. 262274 lakh), followed by

HDFC Bank (Rs. 143366 lakh) and Axis Bank (Rs. 78862 lakh). On the other

hand, minimum average operating expenditure had been recorded for SBI

Commercial & International Bank (Rs. 821 lakh), followed by Ratnakar Bank

(Rs. 1713 lakh) and Nainital Bank (Rs. 1920 lakh).

Maximum variations in operating expenses were witnessed by Axis

Bank (14.39% C.V.), followed by HDFC Bank (137.46% C.V.) and ICICI Bank

(113.32% C.V.), whereas minimum variations witnessed by SBI Commercial

& International Bank (15.71% C.V.), followed by Catholic Syrian Bank

(56.88% C.V.) and Development Credit Bank (61.59% C.V.).

CONCLUSION

From the above analysis, it is concluded that the total number of

branches witnessed a constant growth during the entire period

covered by the study both in the case of public and private sector

banks except one private sector bank, i.e., SBI Commercial &

International Bank.

133

Public and private sector banks in India have shown considerable

success in the field of deposit mobilization. Deposits of public sector

banks recorded an exponential growth rate of 15.92 per cent while

private sector banks recorded 30.63 per cent during the study period.

The share of term deposits was highest followed by saving deposits

and demand deposits both in the case of public and private sector

banks.

Public and private sector banks under study have shown moderate

growth in credit. The study witnessed the maximum share of credit

from cash credits & overdrafts, followed by term loans and bills

purchased and discounted both in the case of public and private

sector banks under study. The annual growth rate of credit deployed

ranged from 11% to 26% in the case of public sector banks and 2% to

66% for private sector banks under study.

The total income of public sector banks in India moved from

Rs.3390125 lakh in 1992 to Rs. 33731274 lakh in 2010 delineating

an exponential growth rate of 13.33% under study, while total income

of private sector banks under study moved from Rs. 98647 lakh in

1992 to Rs. 9354726 lakh in 2010 delineating an exponential growth

rate of 30.94%. Interest income is the major component contributing

to the total income among public and private sector banks under

study.

The total expenditure in the case of public sector banks increased

from Rs. 2840919 lakh in 1992 to Rs. 26317835 lakh in 2010. Taking

all public sector banks together the exponential growth rate was found

12.23%. The total Expenditure in the case of Private Sector Banks

increased from Rs. 77667 lakh in 1992 to Rs. 6717671 lakh in 2010.

A comparison of exponential growth rate in total income and

exponential growth rate of total expenditure indicates that exponential

growth rate of total income was higher as compared to that of total

expenditure, which is favorable to public and private sector banks

under study.

134

REFERENCES

Chawla, A.S. (1987), Nationlization and Growth of Indian Banks, Deep &

Deep Publications Pvt. Ltd. New Delhi.

Desai, V. (1980), Indian Banking: Nature & Problems, Himalaya Publishing

House, Bombay.

Kumari, H. (2003), “Productivity in Public and Private Sector Banks, A

Doctoral Thesis submitted to Punjabi University, Patiala.

Shoora, V. (2005), Performance Appraisal of Cooperative Banks in Haryana,

Doctoral Thesis, UBS, Panjab University, Chandigarh.

Vashisht, A. K. (1991), Public Sector Banks in India, H. K. Publishers, Delhi.

Table 4.3 DEPOSIT MOBILIZATION BY PUBLIC SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D. C.V. EGR

SBI 6019199 6631709 7640619 8512189 9639545 11070117 13109132 16904193 19682107 2577025 27056014 29612328 31861867 36704753 38004605 43552109 53740395 74207312 80411623 27207202.16 22836366.28 83.94 15.44

SBBJ 253016 292634 342982 401027 465985 539766 652536 774082 907402 133605 1166100 1323363 1564231 1903841 2169362 2848049 3410843 3922442 4605884 1456692.11 1348236.31 92.55 17.39

SBOH 317884 386316 481766 556386 609160 723751 864862 1061488 1252702 174893 1740275 2059894 2425785 2892951 3402459 4150267 5010830 6244891 7297072 2192296.42 2128189.54 97.08 18.72

SBOI 126559 148895 176911 205559 246531 279715 336878 402790 509637 69440 791845 921681 1041866 1380707 1666071 1997649 2469881 2833198 3062448 982540.05 977223.31 99.46 20.39

SBOM 179329 225088 267076 328129 379808 436622 476857 557483 663235 96427 852485 901312 1108369 1358517 1636875 2202235 2746239 3291577 3888000 1136613.84 1122332.36 98.74 17.61

SBOP 277692 342150 449176 528869 621084 722935 773742 884727 1018169 133528 1394710 1786968 2247328 2649567 3377771 3918363 4857054 6000619 6455194 2023139.26 1992920.48 98.51 18.86

SBOT 273610 320841 399223 478984 542415 646369 746806 865030 1018260 135418 1345967 1592628 1972137 2413301 2599652 3098401 3535389 4204192 5088339 1646155.89 1465115.87 89.00 17.28

AB 664758 769223 845780 923101 1014892 1154055 1354076 1551036 1764210 210251 2266594 2546338 3147661 4076208 4849969 5954366 7161638 8497179 10605575 3124047.89 2981568.32 95.44 16.47

ANB 386054 418887 494147 531165 596727 709100 792073 1043874 1441795 167338 1849077 2106185 2294051 2755071 3392242 4145402 4943655 5939003 7768821 2198666.68 2149300.90 97.75 18.27

BOB 1904951 2098128 2311565 2628656 2836953 3215678 3912583 4461404 5130819 586161 6180446 6636637 7296732 8133346 9366199 12491598 15203413 19239695 24126193 7250587.21 6370461.65 87.86 14.19

BOI 1920955 1951749 2141986 2448024 2752297 3197261 3933862 4443023 4774389 552253 5971060 6445360 7100311 7882145 9393203 11988173 15001198 18970848 22976194 7044436.37 6172779.63 87.63 14.30

BOM 337362 387385 448376 534170 597120 736531 913430 1092852 1340655 165183 1913063 2217575 2644593 2884417 2690620 3391934 4175833 5225492 6330407 2001420.95 1777135.89 88.79 17.49

CB 1423815 1646607 1983894 2247511 2624324 3144501 3804502 4195861 4800136 568742 6403001 7209482 8634456 9679591 11680324 14238144 15407242 18689252 23465144 7465606.79 6517654.76 87.30 16.26

CBOI 1302764 1382420 1596680 1765455 1975160 2305097 2637349 3064931 3587171 418540 4713738 5116512 5590860 6075168 6648266 8277628 11031966 13127186 16210747 5096191.47 4349501.89 85.35 14.46

COB 234699 285356 411841 613629 573396 667330 935156 1260143 1427963 187520 1892427 2172457 2319093 2723316 3287653 4235689 5542442 7398391 9273367 2391677.26 2566954.72 107.33 20.73

DB 342369 414359 492357 577942 647641 786131 1011528 1179535 1328662 179914 1535469 1649126 1834918 2089655 2362307 2768991 3394319 4305061 5134428 1686037.47 1386026.16 82.21 14.86

IB 895336 1147611 1181802 1273996 1331488 1432882 1542273 1715592 1911350 217376 2403884 2701593 3044440 3480843 4080552 4709091 6104595 7258183 8822766 2908192.26 2337731.21 80.38 12.48

IOB 785107 950666 1080481 1268692 1458874 1597259 1932864 2191431 2431775 277076 3180848 3669859 4148259 4424123 5052932 6874042 8432559 10011589 11079471 3728837.21 3219479.28 86.34 15.28

OBOC 359910 430672 523906 667346 871088 1005406 1305802 1680488 2209521 267944 2848839 2980909 3567350 4785033 5019746 6399597 7785670 9836886 12025759 3398519.58 3444927.23 101.37 20.96

P&SB 285656 342181 402507 527752 587742 637956 760956 949660 1055598 128516 1248261 1322362 1364203 1417065 1692459 1931875 2483142 3467566 4915509 1343208.74 1198334.31 89.21 14.21

PNB 1623108 1824131 2193087 2471335 2712289 3080641 3517356 4077712 4748323 588221 6412348 7581350 8791640 10316689 11968492 13985968 16645722 20976051 24932980 7813023.32 7014655.86 89.78 16.13

SB 757976 886513 1011179 1177701 1271825 1494630 1681615 1991434 2365542 274411 2854833 3066054 4258482 4629457 5362440 7863357 9517080 11588514 11702579 3881874.84 3676503.91 94.71 16.66

UCO 960731 1000082 929814 1032834 1144317 1261410 1446246 1625121 1835995 222641 2684877 3134339 3924426 4947023 5454373 6486001 7990895 10022156 12241555 3597096.63 3431424.03 95.39 16.16

UBOI 792875 930914 1180095 1540252 1789173 2000499 2305563 2813566 3110536 361422 3979386 4474862 5055894 6183058 7409430 8518023 10385865 13870284 17003974 4931877.42 4653857.32 94.36 17.07

UNBOI 536987 615438 699195 804216 878993 1034580 1203756 1451628 1678768 183647 1961066 2103129 2275821 2534838 2924977 3716666 4697071 5453590 6818032 2188020.95 1820030.17 83.18 14.11

VB 273476 330715 429462 587001 598851 682730 821582 969023 1159288 131434 1468051 1701981 2101506 2561798 2770929 3760449 4795202 5453542 6193175 1936326.05 1859150.02 96.01 18.27

Total 23236178 26160670 30115907 34631921 38767678 44562952 52773385 63208107 73154008 9008926 96114664 107034284 121616279 140882481 158263908 193504067 236470138 300034699 352437246 110632289.84 98450169.32 88.99 15.92

YEAR Bank

Source: Compiled from various issues of Statistical Tables relating to Banks in India, Published by RBI.

Table 4.5 DEMAND DEPOSITS IN PUBLIC SECTOR BANKS IN INDIA(Rs. In Lakh)

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 1696985 1728664 1851205 2030805 2247679 2564646 2781365 3069203 3618205 4032809 4231279 4477239 5029083 5661232 6799565 8199797 9813353 11075357 12257943 4903495.47 3271955.47 66.73

SBBJ 45826 48270 55297 73460 81353 88952 111666 131744 136686 162136 177428 231737 230163 267903 256764 242947 345663 373354 353601 179734.21 107294.77 59.70

SBOH 69772 94887 105260 145404 124050 144986 168324 218094 234143 267273 283094 297719 358433 400408 482860 508314 592482 768967 706681 314271.11 210681.20 67.04

SBOI 22694 28021 32801 39298 47685 60602 62030 73560 83428 81012 86922 102677 115947 147173 167176 182993 274936 252173 281614 112775.89 83040.33 73.63

SBOM 28727 34430 41918 53155 55246 73650 74548 79520 85206 84467 101162 99338 119479 135338 155402 184175 251095 227381 290527 114461.26 75402.39 65.88

SBOP 47301 62320 105870 97067 111110 144093 159939 182515 202084 204753 224093 247245 240151 235754 294015 284969 382084 314404 407234 207736.89 101243.93 48.74

SBOT 26877 27985 40346 53321 53019 73201 96868 93062 104690 124745 121709 110861 149368 171035 164559 170617 205975 225737 239758 118617.53 65448.25 55.18

AB 148140 124494 125380 143561 113305 119203 127649 150342 169643 184560 187160 226763 284670 329870 408134 549182 578032 662316 831555 287576.79 216024.02 75.12

ANB 47914 45472 58450 71049 69456 94043 88734 91712 157506 130012 139523 160538 221895 255829 308482 366185 440966 521566 674625 207576.68 178978.15 86.22

BOB 325724 308104 350063 381358 373013 418977 468926 524309 552452 562503 632800 596544 677164 687109 837872 987480 1169601 1445122 1892359 694288.42 417856.87 60.18

BOI 357885 290838 317679 416376 417456 538461 509419 597628 609290 589591 719362 567346 583935 609826 740657 936586 1247287 1258154 1588722 678763.05 347509.44 51.20

BOM 40227 50068 53026 72282 81567 103890 113763 145214 154533 176602 194219 191275 224182 239928 286419 412138 508616 501042 619939 219417.37 171925.59 78.36

CB 247822 301499 398037 437990 477499 572200 628256 589729 710442 784734 714823 783736 865416 895712 1026187 1244525 1325353 1435681 1838588 804117.32 415802.06 51.71

CBOI 258041 242701 302162 275901 270551 312152 300542 363549 436930 432627 488608 549861 619552 613866 763077 852556 1000084 1011230 1507139 557954.16 337827.50 60.55

COB 59519 67613 96367 146692 119138 147175 144319 164728 191009 213666 231403 292244 355933 409294 474649 677733 1050613 1317419 1345299 394990.16 408760.63 103.49

DB 52878 59195 79482 105738 89079 111996 110150 121895 159934 163350 168168 169935 194088 212361 238057 328126 308149 357565 464790 183944.00 111494.65 60.61

IB 96810 69248 126857 139898 146661 157562 167784 197717 176228 164800 176984 213064 234095 285830 320400 363246 473498 529257 662491 247496.32 157906.78 63.80

IOB 90323 105828 150273 205549 203932 233918 246771 283044 260770 272032 265860 363638 418536 501147 570031 681533 899832 813068 961131 396169.26 268189.83 67.70

OBOC 49514 56225 71041 91020 103297 121748 137942 153652 188366 206959 230674 274443 311342 431136 502057 635768 776239 771058 1021732 322853.32 288054.23 89.22

P&SB 32796 34544 40254 55668 52938 63419 61530 78690 82165 83012 83461 96001 123307 140642 278088 212857 207451 214832 315670 118806.58 85599.74 72.05

PNB 260058 302463 311956 361734 311605 327033 377179 484615 543700 631139 675841 988829 990039 1246657 1672377 1646571 1779115 1881391 2371719 903369.53 665156.10 73.63

SB 81857 105705 120564 182067 170214 217601 205369 219901 247411 274931 331266 343609 405224 498138 602481 761124 1068728 1052683 1018610 416183.32 329020.73 79.06

UCO 110915 125093 136934 153028 170189 176148 191406 199190 231500 259093 306772 308368 342723 394532 400589 547350 578929 731898 893702 329387.32 218280.70 66.27

UBOI 128166 142683 178798 253763 256669 311742 325801 346281 482902 606617 665449 503624 500390 501013 597854 862270 1183581 1316642 1622922 567745.63 412725.92 72.70

UNBOI 72439 70273 86324 117739 103208 104101 113410 137347 156295 153285 179338 198108 217378 268478 313289 395411 507568 539535 664775 231489.53 174860.30 75.54

VB 40053 49023 79755 115297 103027 133958 145521 166291 192977 174371 186607 196909 202886 294455 341718 417128 482214 413767 452364 220437.95 138649.44 62.90

Total 4439263 4575646 5316099 6219220 6352946 7415457 7919211 8863532 10168495 11021079 11804005 12591651 14015379 15834666 19002759 22651581 27451444 30011599 35285490 13733659.05 9140905.02 66.56

YEAR Bank


(Rs. In Lakh)

EGR

11.90

12.77

13.29

14.42

12.19

10.43

12.21

11.38

15.58

9.14

7.91

15.42

9.62

9.83

17.68

11.12

10.32

12.59

17.80

12.77

13.88

14.62

11.31

13.00

12.69

13.00

11.89

Table 4.7 SAVING DEPOSITS IN PUBLIC SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D. C.V. EGR

SBI 1204007 1259423 1547281 1898406 2131416 2402813 2920785 3432125 4150653 4789342 5639636 6578271 7959588 9490716 11272392 12913650 15422929 19822427 25746030 7399046.84 6894623.13 93.18 18.27

SBBJ 68531 71026 86577 107024 123451 138280 169793 206471 241272 286872 328976 389294 481677 552956 655778 754286 857142 1110077 1445624 425005.63 387039.08 91.07 18.30

SBOH 68936 73259 90645 112692 125237 143401 171588 204792 240505 278427 319422 393969 475682 543522 685528 793987 940943 1146604 1369051 430431.05 387839.70 90.10 18.24

SBOI 36733 38245 42272 52205 60307 68759 87009 102601 124989 152834 175578 198054 241972 278517 346552 399986 508839 603691 734432 223872.37 206763.65 92.36 18.70

SBOM 44258 45843 57652 70930 86472 94782 106049 125538 149795 179367 198772 229228 282131 349453 425809 519500 624128 723309 937132 276323.58 257730.10 93.27 18.30

SBOP 88424 89905 106546 130287 139238 156973 180490 224778 264730 297455 358106 433384 533264 602315 705249 782361 875514 1041581 1271031 435875.32 354320.70 81.29 16.58

SBOT 76839 81186 98986 117398 122784 131265 158238 199479 232762 265421 308415 386933 475810 543683 625637 707279 829115 1137778 1307598 410874.00 365192.49 88.88 17.31

AB 182636 186694 224593 271146 309111 356593 426080 497001 570118 660373 770060 872518 1034239 1247210 1496730 1711967 2002842 2277439 2827118 943393.05 783011.96 83.00 16.70

ANB 81528 80086 99424 123276 136757 156906 189017 225903 276094 322998 384042 482424 634812 740077 923239 1065170 1218418 1343778 1611808 531355.63 482495.14 90.80 19.41

BOB 318677 339495 405234 506190 563670 642270 780183 910679 1084225 1218488 1404707 1641942 1978021 2277693 2716044 3157728 3577638 4248728 5254392 1738210.74 1446013.69 83.19 16.86

BOI 325671 334693 394080 489344 555727 615509 730338 851584 991624 1116475 1288476 1499962 1806225 2113181 2548616 2925468 3343877 3819369 4807583 1608305.37 1316908.43 81.88 16.30

BOM 123193 129915 156528 189376 210684 234839 270658 312106 359667 405884 464468 527681 616411 713341 866108 1051804 1251694 1363996 1716477 577096.32 467968.87 81.09 15.60

CB 325518 339009 410182 522380 578991 670459 807661 954293 1112934 1278587 1451146 1725983 2051183 2375425 2862713 3243530 3526735 4181094 4987542 1758177.11 1406256.80 79.98 16.69

CBOI 347638 354856 425108 515269 582357 683119 781151 911762 1053367 1214344 1370025 1540510 1799570 2032712 2348023 2631224 2986584 3368008 4076353 1527472.63 1108830.78 72.59 14.81

COB 43161 44452 59974 78402 91224 109675 131569 159958 195772 224690 260906 327550 432381 532643 653960 765179 889891 1008947 1302526 384887.37 373917.27 97.15 21.21

DB 111536 117504 141562 172920 190187 216978 248341 291006 334977 395060 436180 485415 568048 666006 793063 904359 1023919 1139558 1381308 506206.68 380012.55 75.07 15.07

IB 134067 139341 169052 203586 228499 251922 307470 350922 392646 447841 528479 657271 786838 927566 1100272 1304451 1501059 1766679 2179026 704051.95 605662.21 86.03 16.96

IOB 147690 159838 190822 232850 276816 321408 462584 433123 521171 593104 687837 816275 1007161 1219062 1446814 1714545 1921070 2215644 2645089 895415.95 759319.82 84.80 17.64

OBOC 84341 86104 107172 141294 164341 193455 241755 298129 365737 424862 484814 576246 707355 920876 1136870 1303226 1396109 1564560 1980559 640937.11 577000.00 90.02 19.94

P&SB 88857 87965 104434 125113 136947 152240 178308 210521 247258 285918 327784 384547 443028 515279 604255 670328 695011 747736 915134 364245.42 257497.75 70.69 14.66

PNB 460679 467595 632094 762655 827327 943468 1156483 1367905 1587541 1853006 2166421 2564790 3042261 3534113 4190821 4808862 5376971 6264601 7813281 2622151.26 2165649.71 82.59 17.13

SB 183587 190666 224445 274107 305800 343331 394346 477250 567676 657553 751104 864275 1038573 1217113 1445030 1647228 1876524 2145559 2636468 907401.84 732158.51 80.69 16.32

UCO 190151 191558 219618 259741 290946 322161 383414 441939 504403 581083 681232 789129 928940 1051580 1211248 1346339 1471647 1684495 2124002 772296.11 569061.29 73.68 14.72

UBOI 216611 229896 282654 350451 395252 452280 546653 631199 742990 842415 970102 1117167 1308429 1519712 1799692 2076294 2436823 2854476 3772775 1186624.79 998589.07 84.15 16.71

UNBOI 163646 166398 198100 230565 256268 285403 341732 397372 455597 527307 607316 700284 802924 912223 1043390 1166878 1303961 1521243 1933554 684955.84 509882.45 74.44 14.77

VB 65363 67318 83928 110152 126220 143608 165046 198833 229434 254801 289462 351113 444731 539601 636936 740847 826947 896938 1072102 381230.53 314093.39 82.39 17.33

Total 5182278 5372270 6558963 8047759 9016029 10231897 12336741 14417269 16997937 19554507 22653466 26534215 31881254 37416575 44540769 51106476 58686330 69998315 87847995 28335844.47 24055369.30 84.89 17.10

YEAR Bank


Table 4.9 TERM DEPOSITS IN PUBLIC SECTOR BANKS IN INDIA

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010

SBI 3118207 3643623 4242132 4582978 5260450 6102658 7406983 10402865 11913249 15460687 17185099 18556819 18873196 21552805 19932648 22438662 28504113 43309528 42407650

SBBJ 138659 173338 201108 220543 261181 312534 371077 435867 529444 583601 659696 702331 852391 1082982 1256820 1850816 2208038 2439011 2806659

SBOH 179176 218170 285862 298291 359873 435364 524950 638602 778055 938486 1137759 1368206 1591670 1949021 2234071 2847966 3477405 4329320 5221340

SBOI 67132 82630 101838 114055 138539 150353 187840 226630 301220 435994 529345 620949 683947 955017 1152343 1414670 1686106 1977334 2046402

SBOM 106344 144815 167505 204044 238090 268190 296260 352425 428235 496995 552551 572745 706759 873726 1055664 1498560 1871016 2340887 2660341

SBOP 141967 189924 236760 301516 370736 421869 433313 477434 551356 655209 812510 1106339 1473913 1811498 2378507 2851033 3599456 4644634 4776929

SBOT 169893 211670 259891 308265 366611 441903 491700 572489 680809 767113 915843 1094834 1346959 1698583 1809456 2220505 2500299 2840677 3540982

AB 333982 458034 495807 508395 592477 678259 800347 903692 1024450 1165669 1309374 1447058 1828752 2499128 2945105 3693217 4580764 5557424 6946902

ANB 256612 293329 336273 336840 390514 458151 514322 726259 1008195 1376142 1325512 1463222 1437344 1759165 2160521 2714047 3284271 4073659 5482387

BOB 1260551 1450529 1556268 1741108 1900270 2154431 2663475 3026416 3494141 3617587 4142939 4398150 4641547 5168544 5812283 8346390 10456174 13545845 16979441

BOI 1237399 1326219 1430227 1542304 1779114 2043291 2694105 2993811 3173474 3461815 3963222 4378051 4710151 5159138 6103930 8126119 10410034 13893325 16579889

BOM 173942 207402 238822 272511 304868 397802 529009 635532 826455 1119970 1254376 1498619 1804000 1931148 1538093 1927992 2415523 3360454 3993991

CB 850475 1006099 1175676 1287141 1567834 1901842 2368585 2651840 2976761 3843632 4237032 4699763 5717857 6408454 7791424 9750089 10555154 13072477 16639014

CBOI 697086 784864 869410 974286 1122252 1309826 1555656 1789620 2096875 2504819 2855105 3026141 3171738 3428590 3537166 4793848 7045298 8747948 10627255

COB 132020 173291 255501 388534 363034 410480 659269 935457 1041182 1217658 1400117 1552663 1530779 1781379 2159044 2792777 3601938 5072025 6625542

DB 177955 237660 271313 299284 368375 457158 653038 766634 833751 898889 931120 993777 1072782 1211288 1331187 1536506 2062251 2807938 3288329

IB 664459 939022 885894 930512 956328 1023398 1067019 1166953 1342476 1556658 1698422 1831257 2023507 2267447 2659880 3041394 4130038 4962247 5981249

IOB 547094 685000 739386 830293 978126 1041934 1223508 1475264 1649835 1876280 2227151 2489946 2722562 2703914 3036087 4477964 5611657 6982877 7473251

OBOC 226056 288342 345694 435032 603451 690203 926105 1228707 1655418 1836222 2133351 2130221 2548653 3433021 3380819 4460603 5613322 7501268 9023467

P&SB 164003 219672 257819 346972 397857 422298 521118 660449 726175 821541 837016 841814 797868 761144 810116 1048690 1580680 2504998 3684705

PNB 902371 1054073 1249037 1346946 1573357 1810141 1983694 2225193 2617082 3128968 3570086 4027732 4759340 5535919 6105294 7530535 9489636 12830059 14747981

SB 492532 590142 666169 721528 795811 933698 1081900 1294284 1550455 1577000 1772463 1858170 2814685 2914206 3314929 5455005 6571828 8390272 8047501

UCO 659665 683431 573262 620066 683181 763101 871426 983992 1100093 1313390 1696873 2036841 2652763 3500911 3842536 4592312 5940319 7605763 9223852

UBOI 448097 558335 718643 936038 1137252 1236476 1433110 1836086 1884644 2039774 2343835 2854071 3247075 4162333 5011884 5579459 6765461 9699166 11608277

UNBOI 300902 378767 414770 455911 519517 645076 748613 916909 1066876 1167144 1174412 1204736 1255519 1354137 1568298 2154377 2885542 3392812 4219704

VB 168061 214374 265780 361551 369603 405164 511015 603899 736877 834052 991983 1153959 1453889 1727742 1792275 2602474 3486041 4142837 4668708

Total 13614640 16212755 18240847 20364944 23398701 26915600 32517437 39927309 45987583 54695295 61657192 67908414 75719646 87631240 94720380 119746010 150332364 200024785 229301748

YEAR Bank


(Rs. In Lakh)

Mean S.D. C.V. EGR

16047071.16 12078699.97 75.27 15.51

899268.21 830742.34 92.38 17.98

1516504.58 1485884.19 97.98 20.36

677491.79 668266.81 98.64 22.43

780797.47 767533.17 98.30 18.36

1433415.95 1511074.12 105.42 21.42

1170446.42 998877.84 85.34 17.88

1987833.47 1918676.46 96.52 17.44

1547198.16 1443195.55 93.28 18.30

5071373.11 4343730.23 85.65 14.20

5000295.68 4355896.63 87.11 14.77

1285816.26 1096181.33 85.25 18.89

5184271.00 4504322.82 86.88 17.48

3207251.74 2792363.92 87.06 15.29

1689088.95 1750857.03 103.66 21.55

1063117.63 856195.08 80.54 15.56

2059376.84 1496987.11 72.69 11.56

2566954.16 2108464.02 82.14 14.99

2550523.95 2517310.52 98.70 21.74

916049.21 859480.22 93.82 13.99

4551970.74 4022889.44 88.38 16.09

2675925.16 2547865.05 95.21 17.09

2597040.89 2577357.91 99.24 17.38

3342106.11 3144622.07 94.09 18.00

1359159.05 1082372.14 79.64 14.04

1394225.47 1374761.14 98.60 19.57

72574573.16 62573186.64 86.22 16.39

Table 4.11 CREDIT DEPLOYMENT BY PUBLIC SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D. C.V. EGR

SBI 4434356 4769504 4149824 4853021 5982565 6223320 7423733 8235984 9810197 11359027 12080647 13775846 15793354 20237446 26180093 33733649 41676820 54250320 63191415 18324269.53 17665697.85 96.41 16.44

SBBJ 150757 171154 177586 210018 244748 301182 366048 384082 440111 516813 593133 677333 859655 1203619 1589580 2052622 2507594 2985071 3517639 997302.37 1039062.82 104.19 19.66

SBOH 195642 224000 240772 330297 387616 404100 463019 533197 608758 709149 842259 966260 1181368 1559974 2086302 2810925 3584875 4367917 5282484 1409416.53 1523143.87 108.07 19.87

SBOI 82604 92144 102624 124959 147048 160696 190165 212029 284153 342748 428915 518295 640606 904066 1187597 1535138 1822433 2161211 2367708 700270.47 748944.80 106.95 22.10

SBOM 108586 132605 137122 179483 203885 240685 263199 298609 349510 428671 491450 526067 630672 878125 1175416 1646553 2102715 2561605 2953586 805712.84 875490.89 108.66 19.99

SBOP 175898 208168 220609 276815 330486 378713 410542 481362 577541 683339 867879 1074640 1308634 1535927 2218002 2876976 3640004 4363412 4634723 1382298.42 1458587.18 105.52 20.88

SBOT 149636 189627 224668 312641 334916 365930 400082 425190 513121 639750 743551 917066 1113243 1484834 1886640 2478628 2813662 3271093 3846126 1163705.47 1147132.32 98.58 19.46

AB 343397 395607 372216 419153 481560 493790 572392 698480 824006 958270 1099250 1254360 1534154 2115083 2914777 4129004 4972047 5880176 7160487 1927274.16 2090025.30 108.44 19.18

ANB 190438 190775 193243 240981 258033 290734 329627 452393 557360 742317 967772 1151294 1288547 1751684 2210043 2788907 3423839 4413926 5611351 1423856.00 1586750.85 111.44 22.32

BOB 1046732 1178435 1265148 1478421 1601255 1653163 1980349 2109153 2439291 2742068 3366299 3534808 3560088 4340038 5991178 8362087 10670132 14398590 17503529 4695829.68 4732522.63 100.78 15.93

BOI 1257207 1155113 1092212 1220755 1559580 1833686 2202072 2432702 2523105 3182314 3831078 4263318 4585590 5552889 6517375 8493590 11347633 14290937 16849071 4957380.37 4642434.86 93.65 16.45

BOM 181766 185459 180751 234404 269217 311134 359261 406184 525221 667253 825512 950814 1173151 1306165 1646973 2291939 2928581 3429077 4031470 1152859.58 1185751.73 102.85 20.21

CB 799985 804215 828499 1087826 1309584 1441283 1682468 1953011 2354673 2783177 3312671 4047160 4763862 6042140 7942569 9850569 10723804 13821940 16933463 4867521.00 4808460.64 98.79 19.39

CBOI 670344 680973 601708 780959 890257 879031 1067794 1279984 1580492 1883338 2128751 2315922 2280411 2727732 3748348 5179547 7299743 8548320 10538349 2899052.79 2919461.78 100.70 16.97

COB 101084 123394 142326 206559 244211 301475 430279 628620 777747 866610 1098741 1202917 1388972 1854637 2396243 2994965 3918557 4851216 6320256 1570989.95 1777215.38 113.13 25.55

DB 167565 198758 215804 287124 340168 404373 514724 639570 711788 700190 752296 843560 941179 1130859 1423124 1830339 2302398 2887796 3546244 1044097.84 956496.31 91.61 17.16

IB 646969 774105 678069 787458 787346 686490 726043 749652 820340 943391 1090836 1227499 1412609 1838011 2248464 2905812 3983871 5146528 6214613 1772005.58 1645363.84 92.85 12.71

IOB 515934 537419 534013 662822 750425 725402 866718 1011747 1157320 1309551 1516234 1744700 2029486 2520519 3475620 4706028 6040182 7488527 7899916 2394345.42 2395423.95 100.05 17.30

OBOC 176327 221921 256703 352888 467178 488642 631846 770756 932553 1107641 1415787 1567724 1968076 2529920 3357725 4413847 5456583 6850037 8348930 2174478.11 2425251.35 111.53 23.52

P&SB 145041 155245 169640 243831 278984 279120 318642 409993 476482 518087 557674 589209 603002 632222 910747 1173751 1834330 2461535 3263911 790602.42 846032.08 107.01 16.74

PNB 834961 991521 986784 1173147 1267989 1406689 1604264 1904737 2257172 2802905 3436942 4022812 4722473 6041275 7462737 9659652 11950157 15470299 18660121 5087191.42 5276736.23 103.73 19.15

SB 385177 422654 398124 442065 539766 583248 695998 931283 1220631 1311616 1488466 1630535 2064693 2672921 3646624 5167044 6405101 8153227 9040636 2484200.47 2729794.62 109.89 20.54

UCO 647257 581272 457758 487615 498213 489586 561054 622221 763026 1008544 1280537 1592310 2062644 2765571 3737758 4698891 5508189 6880386 8250453 2257541.32 2415670.38 107.00 18.55

UBOI 367265 448546 516140 712914 868108 916836 1027619 1130877 1461323 1750535 2138331 2551484 2942591 4010508 5337995 6238643 7426691 9653423 11931530 3233229.42 3379382.70 104.52 20.80

UNBOI 281149 292376 252920 281493 285113 302731 337145 384432 456278 573935 682271 735169 796334 1138968 1552231 2215632 2785811 3539355 4233004 1111913.00 1207636.94 108.61 17.43

VB 153958 160482 182558 235628 244370 247528 322510 376720 468761 572001 619666 789134 1104530 1433579 1666401 2422355 3168922 3546811 4150668 1150872.74 1261899.39 109.65 21.38

Total 14210035 15285472 14577821 17623277 20572621 21809567 25747593 29462968 34890960 41103240 47656948 54470236 62749924 80208712 104510562 136657093 170294674 215672735 252131015 70627344.16 71317815.6851 100.978 17.93

YEAR Bank


Table 4.13 BILLS PURCHASED AND DISCOUNTED IN PUBLIC SECTOR BANKS IN INDIA (Rs. In Lakh)

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 364407 444753 499934 795308 882514 665641 793347 774125 923512 1284001 1155536 1240494 1485855 2147078 2485375 3078710 3673349 4718397 4277473 1667884.68 1348066.32 80.82

SBBJ 12147 13898 17843 24286 18388 24720 30362 23969 28952 44245 45103 66267 79725 81065 93850 83874 99950 56344 108889 50204.05 32334.31 64.41

SBOH 25926 27546 34289 45313 33431 25226 39749 47451 39742 41178 66779 76655 96204 99389 110414 100217 137095 106188 131168 67576.84 37810.99 55.95

SBOI 8273 9717 13342 18360 16687 17939 20451 17012 37163 38853 62861 74230 49513 53447 61659 55068 71519 58334 120467 42362.89 29262.22 69.08

SBOM 16471 20369 20157 26456 23692 27964 30333 33533 45292 59890 56204 50613 58374 77249 77201 96055 108200 118297 148952 57647.47 37894.02 65.73

SBOP 13214 16800 21654 26378 27614 27165 31057 33410 31296 50689 98112 126732 138504 92786 104887 79315 96661 117516 89891 64404.26 42128.63 65.41

SBOT 26941 23577 28455 40920 19090 24200 35771 42786 40649 69059 50605 85590 127864 118604 128175 142440 188302 171470 226177 83719.74 64166.86 76.64

AB 14240 29573 39002 40136 44554 35610 57662 52934 50017 49878 47597 46412 64183 110863 112360 120704 137106 183190 218415 76549.26 55441.93 72.43

ANB 21424 21244 25422 27213 25789 36379 26785 38458 45332 73128 88964 80820 102495 123318 131445 162820 109109 120840 147644 74138.37 48134.25 64.92

BOB 129323 165143 173210 186551 152665 136357 142210 136451 143766 153554 200223 233865 249637 399367 570942 878726 885184 1394838 1926593 434663.42 499982.73 115.03

BOI 100439 96147 80718 106661 146337 183809 177392 164233 179607 222861 331765 360857 414915 686598 812380 1097883 1601910 1816232 2547341 585688.68 699925.51 119.50

BOM 10518 11887 13046 23806 28944 29485 30559 31521 31147 48443 36571 38883 48149 55220 73452 98159 79759 96151 89802 46079.05 28398.12 61.63

CB 138622 148197 140376 188397 169676 194053 148030 233857 271237 241557 298729 349391 408878 465443 492603 571515 619025 628373 632891 333728.95 182305.31 54.63

CBOI 82118 74680 69251 76723 87390 73221 78037 79338 87907 92006 88563 104310 84382 87724 127862 101886 103555 88654 134005 90611.16 17305.19 19.10

COB 15982 18435 27480 31251 33898 27860 54695 44123 45471 59449 61047 81113 109794 120629 128723 132011 150991 185169 202595 80564.00 57980.41 71.97

DB 23077 28981 28777 32974 38252 47919 58795 56342 60527 53720 54550 66769 68702 81711 90899 116626 88397 128561 100491 64530.00 30041.39 46.55

IB 77439 85515 91769 106778 104739 56225 127577 44526 39412 40876 32947 42577 47301 65365 63234 74215 124009 128295 140783 78609.58 34888.19 44.38

IOB 57247 60428 54949 78283 83449 91904 101599 106612 115969 97648 99897 132063 148204 152513 214211 294082 363451 449095 479287 167415.32 131686.34 78.66

OBOC 20826 28416 37516 46708 54164 45128 61096 75116 68054 67206 69137 90534 86871 127008 154272 260167 290402 240493 286500 111032.32 90210.08 81.25

P&SB 14880 16434 17500 22494 27613 30239 28497 31988 39570 28781 29759 29924 24695 21843 22468 27250 64914 81135 62319 32752.79 17675.52 53.97

PNB 119967 179259 144116 145645 137917 137841 136381 148954 190299 242716 246009 287868 280333 345389 374045 463144 436782 439996 445878 258028.37 123897.24 48.02

SB 34964 43995 40251 40918 48934 35635 32160 39609 42663 40370 33353 58387 82141 77687 107125 96304 128025 164043 116429 66473.32 38819.28 58.40

UCO 101591 80819 64650 77830 87270 91173 93856 93726 103107 140248 159095 203817 219258 258249 256751 312144 280522 361377 370400 176625.42 102641.29 58.11

UBOI 41971 56035 72957 86320 93732 84449 92469 91840 97303 106535 129898 133349 164813 227194 337744 352362 400007 445650 476193 183727.42 142803.48 77.73

UNBOI 12054 30329 33851 48771 16491 29731 34558 5872 8483 8621 68675 50238 47614 59796 83558 66260 92362 119554 165685 51710.68 41529.88 80.31

VB 15641 21188 21550 23270 24178 21719 27682 27726 26520 27793 31902 36129 41522 52972 59183 105180 130526 88823 123345 47728.89 36547.39 76.57

Total 1499702 1753365 1812065 2367750 2427408 2201592 2491110 2475512 2792997 3383305 3643881 4147887 4729926 6188507 7274818 8967117 10461112 12507015 13769613 4994456.95 3819059.30 76.47

YEAR Bank


(Rs. In Lakh)

EGR

14.27

12.81

10.21

13.83

12.35

13.02

14.47

11.83

13.35

14.28

20.46

12.34

10.14

2.43

14.67

8.74

0.60

11.98

14.29

5.93

8.42

8.21

10.39

13.45

11.43

11.43

12.82

Table 4.15 CASH CREDITS, OVERDRAFTS & LOANS IN PUBLIC SECTOR BANKS IN INDIA(Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D. C.V. EGR

SBI 2843596 3161630 2509387 2871179 3662520 3847211 4355346 4599124 5497916 6119715 6417841 6911680 6932852 7391521 9585677 12547617 15200000 22367993 27515050 8123045.00 6849068.69993 84.3165 12.54

SBBJ 99079 117272 116716 145483 176945 206696 248937 268752 302972 346234 390258 411836 483673 606036 731465 859308 1352069 1240701 1424721 501534.37 427713.55 85.28 16.12

SBOH 121189 148208 154894 220499 271080 286874 315085 357893 416121 473597 518829 535500 548143 605124 762906 1028106 1252609 1710980 1896104 611775.84 512728.95 83.81 14.87

SBOI 50476 57503 64365 77059 91925 96013 114530 127800 157645 186711 220330 247991 284880 362044 464529 573808 677778 882255 1013307 302681.53 290012.36 95.81 18.17

SBOM 64718 85222 89283 124377 143186 171430 177888 190901 213007 259498 288518 289813 288313 376100 432978 551600 701223 830585 886835 324498.68 249053.38 76.75 14.34

SBOP 116101 143824 149759 197366 244727 268491 293315 331043 380698 433037 471690 528447 590964 572368 790995 1003590 1327193 1583976 1698504 585583.58 483456.29 82.56 15.17

SBOT 79951 121972 149781 210343 237620 262852 282222 289592 340085 416388 489401 524028 566233 711346 855492 1045208 1184081 1416655 1506549 562621.00 440673.32 78.33 15.91

AB 180736 207403 178425 243158 271439 252273 310891 315546 399099 476661 585337 614633 633270 842468 1219604 1792048 2256682 2429852 2980532 852108.26 866070.38 101.64 17.28

ANB 109772 111918 114308 148323 167864 178530 208998 245778 313256 412649 542089 599606 650847 893052 1156455 1427374 1878364 2497616 2958333 769217.47 850403.85 110.55 21.18

BOB 660572 734439 798294 919872 1037651 1118992 1337023 1317658 1496928 1665413 1960152 1953656 1839360 2180957 3078781 3696865 4826487 6681465 7963147 2382511.16 2051674.46 86.11 13.29

BOI 882601 823618 832491 974919 1188250 1297095 1370365 1341009 1342417 1629528 1931055 2375283 2382513 2747242 3245111 4075098 5350817 6410601 7064636 2487613.11 1916603.93 77.05 12.66

BOM 55944 53283 59704 149236 156176 187212 206609 226200 282647 331032 435481 462525 494763 443769 536377 715809 798945 1098687 1051044 407654.89 317332.50 77.84 17.57

CB 426357 429047 469783 629281 805333 873229 1090123 1141466 1294905 1668616 1984943 2354644 2430646 2779585 3851519 4702989 4556413 6414200 7989224 2415384.37 2164098.57 89.60 17.66

CBOI 362686 379983 294716 457669 512640 501068 629838 743327 879460 1047274 1201036 1233500 1110490 1234918 1452487 1963362 2371568 2402618 3149990 1154138.42 802876.04 69.56 12.94

COB 50642 67185 71526 117037 132475 162070 218710 288790 305478 415322 582361 604107 602755 711834 890968 1058568 1623488 2461974 3158194 711762.32 849868.11 119.40 23.80

DB 92462 117077 132746 170189 199434 222169 278755 342980 399732 341829 359099 405806 369919 456469 565089 731516 1127973 1372270 1601726 488802.11 428471.12 87.66 14.72

IB 432461 509122 458234 547262 551909 504122 50215 571857 626840 689036 760720 775428 772349 847419 989457 1074881 1386020 1848525 2699390 847118.26 593058.45 70.01 9.67

IOB 379170 384148 425278 513196 574088 532036 637883 692061 776573 869904 950179 1002117 1004397 1208830 1588928 1880910 2482195 3086267 3429021 1179851.63 913756.05 77.45 12.53

OBOC 95142 130372 147975 212795 296426 298240 390194 463728 554766 671472 754575 773946 813451 887549 1143707 1479890 1952853 2517959 2896424 867445.47 808228.25 93.17 18.92

P&SB 47813 49428 96044 121856 138336 125674 169937 210617 233698 277725 317712 323262 328705 351985 415867 448870 605338 731996 862156 308264.16 226149.27 73.36 15.28

PNB 442039 542111 552236 731571 821036 889425 984517 1082383 1268607 1573035 1847821 2090113 2181239 2819595 3279305 4316096 5593713 6891786 8220707 2427754.47 2276366.86 93.76 16.92

SB 190115 209406 191823 217743 250176 213626 262244 319588 393238 552104 833604 855685 1112055 1268548 1313888 1327903 1673906 1982021 4727560 941854.37 1077313.52 114.38 18.22

UCO 210622 221249 210837 233173 251430 232175 272807 305670 381712 504543 599156 707268 827304 1078682 1406830 1603216 1926929 2034899 2372776 809540.95 713606.58 88.15 16.45

UBOI 190540 252430 286844 398348 456098 524710 602992 679401 924635 1040458 1371959 1552891 1632767 2136173 2741973 3162933 3789827 5284009 6237118 1750847.68 1757109.10 100.36 20.41

UNBOI 163110 151340 128313 135077 155365 142489 163391 219134 234864 316135 361080 337714 291748 426071 567805 774736 789943 840297 940514 375743.47 271249.75 72.19 12.39

VB 74284 81350 99545 127745 120488 103462 138396 152833 251118 308558 338634 400926 493757 569092 641594 884119 1252535 1298731 1814714 481677.95 496723.97 103.12 19.49

Total 8422178 9290540 8783307 10894756 12914617 13498164 15111211 16825131 19668417 23026474 26513860 28872405 29667393 34508777 43709787 54726420 67938949 88318918 108058276 32671030.53 28338928.47 86.74 14.71

YEAR Bank


Table 4.17 TERM LOANS GIVEN BY PUBLIC SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D. C.V. EGR

SBI 1226353 1163121 1140503 1186534 1437530 1710468 2275040 2862735 3388769 3955311 4507270 5623672 7374647 10698847 14109041 18107322 22803471 27163931 31398892 8533339.84 9600396.19 112.50 22.49

SBBJ 39530 39984 43026 40248 49415 69766 86750 91361 108187 126334 157772 199229 296257 516518 764265 1109440 1055575 1688025 1984029 445563.74 597197.36 134.03 26.68

SBOH 48527 48246 51588 64485 83104 92000 108186 127852 152894 194374 256650 354106 537021 855461 1212982 1682602 2195171 2550749 3255213 730063.74 983888.56 134.77 28.99

SBOI 23856 24924 24918 29540 38436 46745 55184 67217 89344 117185 145724 196074 306213 488575 661409 906262 1073136 1220622 1233934 355226.21 437997.59 123.30 28.95

SBOM 27397 27014 27682 28650 37007 41291 54978 74176 91211 109283 146728 185641 283985 424776 665237 998898 1293291 1612723 1917799 423566.68 593249.26 140.06 30.14

SBOP 46583 47545 49196 53071 58145 83058 86170 116909 165547 199612 298076 419460 579166 870773 1322120 1794071 2216151 2661921 2846327 732310.58 952857.88 130.12 30.30

SBOT 42744 44078 46431 61378 78206 78878 82089 92811 132388 154303 203545 307448 419146 654884 902973 1290980 1441279 1682968 2113400 517364.68 649430.87 125.53 26.72

AB 148420 158630 154788 135858 165568 205908 203840 330001 374890 431731 466316 593315 836701 1161752 1582813 2216252 2578259 3267135 3961541 998616.74 1172390.96 117.40 22.15

ANB 59242 57613 53513 65445 64379 75825 93844 168157 198772 256541 336719 470868 535205 735314 922143 1198713 1436365 1795470 2505373 580500.05 698287.17 120.29 26.04

BOB 256837 278853 293644 371997 410939 397813 501117 655045 798597 923101 1205924 1347286 1471091 1759714 2341455 3786496 4958461 6322287 7613788 1878655.00 2194507.03 116.81 21.06

BOI 274167 235348 179003 139176 224993 352782 654315 927460 1001080 1329925 1568258 1527178 1788162 2119049 2459884 3320609 4394907 6064105 7237094 1884078.68 2041133.91 108.34 23.54

BOM 115304 120289 108001 61361 84097 94438 122093 148462 211427 287777 353460 449406 630239 807176 1037144 1477971 2049877 2234239 2890624 699125.53 853818.95 122.13 23.62

CB 235006 226971 218341 270147 334575 374001 444315 577688 788531 873004 1028999 1343125 1924338 2797112 3598447 4576065 5548366 6779367 8311348 2118407.68 2485854.58 117.35 24.56

CBOI 225540 226310 237741 246568 290228 304741 359919 457319 613126 744058 839152 978112 1085539 1405090 2167999 3114299 4824619 6057047 7254354 1654303.21 2127467.38 128.60 22.38

COB 34460 37773 43320 58271 77837 111545 156874 295707 426798 391840 455334 517697 676423 1022174 1376552 1804386 2144078 2204073 2959467 778663.63 891191.31 114.45 29.95

DB 52027 52700 54281 83961 102482 134285 177174 240248 251529 304641 338647 370986 502558 592679 767136 982197 1086028 1386965 1844027 490765.84 506948.65 103.30 22.20

IB 137069 179468 128067 133418 130698 126143 548251 133269 154089 213479 297169 409493 592959 925227 1195773 1756716 2473843 3169708 3374440 846277.84 1065407.28 125.89 21.32

IOB 79517 92843 53786 71342 92888 101461 127236 213074 264778 342000 466159 610520 876885 1159176 1672481 2531036 3194536 3953166 3991608 1047078.53 1356689.61 129.57 29.63

OBOC 60358 63132 71212 93385 116589 145274 180556 231912 309733 368964 592075 703244 1067754 1515363 2059746 2673790 3213328 4091585 5166005 1196000.26 1538831.49 128.66 30.59

P&SB 82348 89383 56096 99481 113036 123206 120208 167388 203214 211581 210203 236023 249602 258394 472412 697631 1164077 1648404 2339436 449585.42 615899.63 136.99 19.05

PNB 272956 270150 290432 295931 309035 379423 483366 673400 798266 987154 1343111 1644831 2260901 2876291 3809387 4880412 5919662 8138516 9993536 2401408.42 2893112.46 120.48 24.56

SB 160098 169254 166050 183404 240655 333987 401594 572086 784730 719141 621509 716463 870497 1326686 2225611 3742837 4603170 6007163 4196647 1475872.74 1791760.82 121.40 23.10

UCO 335045 279205 182271 176612 159512 166237 194390 222825 278208 363753 522286 681226 1016082 1428640 2074177 2783531 3300739 4484110 5507278 1271375.11 1617373.26 127.21 22.03

UBOI 134755 140080 156339 228245 318278 307678 332158 359636 439385 603542 636474 865245 1145011 1647141 2258278 2723348 3236856 3923764 5218218 1298654.26 1488119.53 114.59 23.00

UNBOI 105985 110707 90757 97645 113258 130511 139196 159427 212930 249180 252517 347217 456972 653101 900868 1374636 1903505 2579503 3126805 684458.95 909734.35 132.91 22.34

VB 64033 57944 61463 84613 99703 122347 156433 196161 191124 235649 249130 352079 569251 811515 965624 1433056 1785861 2159257 2212609 621465.89 736439.37 118.50 24.66

Total 4288157 4241565 3982449 4360766 5230593 6109811 8145276 10162326 12429547 14693463 17499207 21449944 28352605 39511428 53525957 72963556 91894611 114846803 134453792 34112729.26 40550620.22 118.87 23.64

YEAR Bank


Table 4.21 INTEREST INCOME oF PUBLIC SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D. C.V. EGR

SBI 953540 969739 917978 1065214 1295857 1495066 1587889 1910754 2220093 2600337 2981009 3108702 3046049 3242801 3597957 3949102 4895030 6378844 7099392 2806071.21 1794054.66 63.93 11.91

SBBJ 36934 38344 40467 45967 60519 73654 85083 96385 111597 126683 135747 143820 157357 174089 196577 250427 305203 381028 397722 150400.16 111297.88 74.00 14.31

SBOH 42333 48036 52368 63314 80853 95548 103455 122577 148239 169379 191830 206727 221293 232509 274887 348935 440315 570950 633412 212997.89 173504.99 81.46 15.59

SBOI 19150 19578 22373 25296 31827 37822 40732 49476 56004 70974 88777 98647 104621 110983 132270 170755 222563 271308 273610 97198.21 82544.61 84.92 16.82

SBOM 23877 28859 31890 36803 48778 59979 61256 69698 80009 91535 97112 103713 105705 117387 134675 180578 249439 324727 355892 115890.11 96659.27 83.41 14.67

SBOP 43494 46605 52088 59351 77269 90761 94010 101808 117054 134426 150460 176365 188825 213322 246153 317016 431019 580406 597527 195682.05 170558.86 87.16 15.32

SBOT 34650 41819 47892 58734 76491 90873 98176 101936 115952 131536 145389 158444 173985 200832 229862 283226 343410 412315 437812 167543.89 122416.21 73.07 14.24

AB 76978 85460 88274 94955 109337 127822 140453 159482 184519 206742 227284 257033 266868 318559 376725 488387 617122 736473 836920 284178.58 228573.25 80.43 14.08

ANB 41437 42462 46898 55281 66940 78725 91608 105304 144100 187506 202983 219502 222726 228196 267512 331533 420956 537461 637287 206758.79 171167.05 82.79 16.42

BOB 215512 239462 254361 294654 353018 376175 417091 482131 522019 575734 595555 609756 614708 643141 704995 921264 1181347 1509158 1669834 641048.16 411577.44 64.20 10.73

BOI 236288 208687 198843 233886 289029 351339 393580 459062 473699 531687 560868 592822 579590 603152 702871 918032 1235522 1634735 1787799 631131.11 459635.05 72.83 11.91

BOM 42579 41180 46062 56644 74198 85786 99101 113388 146727 170588 199808 208168 220340 236769 247446 272204 344047 429155 473556 184618.21 128539.95 69.62 14.65

CB 183132 213439 207474 242177 294808 341380 382303 469074 485174 561827 637056 665772 700693 757198 871151 1136456 1420073 1711905 1875196 692436.21 506568.77 73.16 13.41

CBOI 143778 151055 144305 166825 215265 253092 284226 328203 374799 426526 465749 507300 506372 520487 538559 623421 788427 1045519 1206431 457386.26 297124.61 64.96 12.02

COB 24761 29788 38293 51895 66560 82811 102753 135630 160439 180453 194569 210252 220117 224981 262647 343017 451656 606735 698769 215059.26 190557.64 88.61 18.55

DB 41311 45691 54304 64652 81941 101444 121642 149239 158738 171638 170840 177230 173548 172518 176013 211852 267589 344750 401036 162419.79 96049.01 59.14 11.56

IB 123686 149736 130204 132133 150287 156316 146421 162521 189862 210018 229393 253191 266692 287065 336451 428465 521297 683033 771437 280432.00 190525.37 67.94 10.08

IOB 89510 86793 98051 121103 159686 185943 198449 229896 250456 279342 317069 348591 375410 395104 440628 583207 773877 964141 1024577 364307.00 283118.03 77.71 14.30

OBOC 42123 49581 59266 78611 102595 125054 145804 187286 245807 275872 304047 329469 330054 357190 411892 516490 682719 885648 1025713 323959.00 280417.10 86.56 18.16

P&SB 32866 32378 39479 51781 65399 73213 84425 98674 113046 123746 126589 128415 127850 124859 129955 172688 221928 324717 393418 129759.26 94774.94 73.04 12.58

PNB 193858 214078 226723 255478 316773 365400 399224 444796 515455 586348 664787 748501 777970 845984 958416 1153747 1426502 1932617 2142209 745729.79 565995.27 75.90 13.73

SB 85519 85175 102942 115964 136792 159791 169323 206980 243763 279218 288241 287517 308485 375763 405042 604007 790631 957963 1004718 347780.74 286445.35 82.36 14.50

UCO 107231 97469 94511 103717 120343 130306 144519 169276 197750 227470 254178 279270 309629 354873 435459 531785 650855 812137 952632 314390.00 254085.20 80.82 13.84

UBOI 90131 101846 122800 156150 198424 230224 250403 286904 331511 373295 401568 430618 451631 496980 586371 738218 921464 1188938 1330268 457249.68 356749.03 78.02 14.78

UNBOI 62077 61991 61374 69867 82312 100688 133466 145300 169690 193083 203478 211941 207299 213308 236003 285274 355731 431187 524894 197313.84 128752.84 65.25 12.28

VB 39004 35674 41885 52636 66873 73280 81007 99998 119754 135618 153850 167081 194009 209664 231180 282311 388854 523782 520065 179817.11 151741.16 84.39 16.04

Total 3025759 3164925 3221105 3753088 4622174 5342492 5856399 6885778 7876256 9021581 9988236 10628847 10851826 11657714 13131697 16042397 20347576 26179632 29072126 10561558.32 7601457.86 71.97 13.10

YEAR Bank


Table 4.23 NON-INTEREST INCOME OF PUBLIC SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D. C.V. EGR

SBI 139582 145934 156666 159745 275702 264307 282017 328469 356932 401782 417449 574026 761244 711991 743520 576925 869493 1269080 1496815 522719.95 380378.11 72.77 13.37

SBBJ 5112 6098 7393 9378 10721 12822 16265 16359 22007 23914 30079 33990 49149 48312 24791 36310 47166 57705 58268 27149.42 17890.56 65.90 14.18

SBOH 6082 7559 9109 12344 14583 14624 17029 19029 26653 28807 36532 46158 70744 42165 45905 45748 67715 76931 84133 35360.53 24968.10 70.61 15.16

SBOI 2457 2887 3584 4667 4941 5260 7259 8875 13436 16266 27479 30196 36069 17827 24492 21550 31054 35041 37338 17404.11 12602.40 72.41 17.03

SBOM 2917 4065 6232 5510 8782 8725 9653 12006 16419 17107 23326 29386 34042 37991 33567 32092 42213 48036 42572 21823.21 15030.46 68.87 16.36

SBOP 3322 3693 4829 4116 10532 9214 9799 13199 16473 17024 26448 34550 63046 35571 34705 33718 59576 63164 67444 26864.37 22288.88 82.97 19.04

SBOT 3249 5342 8480 9822 11657 12419 14875 15265 19466 19426 23018 30016 46995 40852 35107 22191 43877 57310 52796 24850.68 16674.65 67.10 14.21

AB 9821 10349 8036 10742 14893 18096 22035 20893 25732 24293 38492 52436 74980 63988 48246 37640 96477 114193 151590 44364.84 39951.39 90.05 16.20

ANB 4330 4442 5971 9940 7749 9838 11642 14695 23238 20462 30402 60364 67805 75335 39156 44689 62647 76537 96462 35037.05 29603.29 84.49 19.34

BOB 25221 22125 50827 43400 46619 45864 54329 57842 64143 70628 99316 126170 171900 130483 112741 117324 205105 275766 280636 105286.26 78299.83 74.37 13.39

BOI 29499 23135 27195 31085 42091 49016 57995 57367 78554 86191 110327 164237 179199 115579 118437 156295 211692 305186 261664 110776.00 82957.99 74.89 14.82

BOM 3570 3936 4130 5971 7722 7997 9308 10774 18456 22239 30750 36047 46522 38522 5223 26504 38027 50002 59124 22359.16 17963.80 80.34 15.51

CB 25169 27256 31335 33759 46723 45502 60771 62869 83568 91779 142853 151213 207291 154384 131557 145095 221287 231121 285790 114701.16 79348.10 69.18 14.55

CBOI 14539 14174 15066 17977 27005 30486 34212 34885 43740 46944 60063 55354 96428 92013 53081 47566 90234 106997 173525 55488.89 40717.24 73.38 12.87

COB 3836 4199 8020 9753 10971 11161 14410 19850 27081 29209 38194 53176 51676 56456 47357 56583 69977 110721 149334 40629.68 38228.35 94.09 20.18

DB 3915 4496 5909 6677 9855 11015 18414 15315 21176 19908 35296 43700 61740 31119 43903 39151 47811 43012 58863 27435.53 18925.56 68.98 16.20

IB 14050 14309 15794 18652 19143 21710 19765 19876 27514 31632 50193 52500 74733 56881 46324 73322 100568 103543 131641 46955.26 35175.72 74.91 13.45

IOB 13097 17756 24646 15779 13700 19165 20699 25088 26620 30242 53080 51990 74067 79956 54113 38705 103711 159582 114325 49280.05 40521.27 82.23 13.28

OBOC 2648 4144 4757 8593 10081 10438 13845 17355 22137 26772 47391 54097 72170 50519 55277 60324 62765 107133 120004 39497.37 34829.41 88.18 21.90

P&SB 2722 3292 4750 6313 7365 9157 11533 11209 15469 16628 22825 30715 25588 25614 12002 22849 31763 40769 41181 17986.53 12144.08 67.52 14.45

PNB 9359 16907 28626 23709 31520 46879 63658 54469 72766 77842 97772 125031 186688 167568 127350 104228 199756 291969 361013 109847.89 95666.90 87.09 18.22

SB 10909 9581 9510 12582 14249 15659 22022 27109 30648 28142 27604 49508 77640 59041 56197 61847 89004 86036 116746 42317.58 32056.96 75.75 15.30

UCO 10691 14511 8048 13486 14465 12717 19236 18727 24890 29771 58300 60929 62528 51556 37405 44266 77213 101989 96593 39859.00 29546.94 74.13 14.16

UBOI 9175 11145 12975 15758 18820 19879 20767 26259 29911 31158 49915 82456 83147 76610 49450 68653 131965 148255 197474 57040.63 52790.74 92.55 17.22

UNBOI 5453 4207 5344 8281 9825 9726 14058 11460 13957 16474 39388 42820 50544 47848 43695 32005 46550 49086 55874 26662.89 18980.20 71.19 16.12

VB 3642 6175 6238 9102 6456 6332 8155 10907 11681 15626 18882 34602 52569 35134 28379 27478 53203 69881 67945 24862.47 21754.79 87.50 17.11

Total 364367 391717 473470 507141 696170 728008 853751 930151 1132667 1240266 1635374 2105667 2778504 2343315 2051980 1973058 3100849 4079045 4659150 1686560.53 1259119.32 74.66 14.79

YEAR Bank


Table 4.19 TOTAL INCOME OF PUBLIC SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D. C.V. EGR

SBI 1093122 1115673 1074644 1224960 1571559 1759373 1869906 2239223 2577025 3002119 3398457 3682728 3807293 3954792 4341477 4526027 5764523 7647924 8596207 3328791.16 2166473.62 65.08 12.14

SBBJ 42047 44443 47860 55345 71240 86476 101348 112745 133605 150597 165826 177810 206506 222401 221368 286737 352369 438733 455990 177549.79 127634.23 71.89 14.33

SBOH 48414 55595 61476 75659 95435 110172 120485 141606 174893 198186 228361 252885 292037 274674 320792 394683 508030 647881 717545 248358.37 196764.20 79.23 15.55

SBOI 21606 22466 25957 29963 36768 43082 47991 58351 69440 87239 116256 128843 140690 128810 156762 192305 253617 306349 310947 114602.21 93472.64 81.56 16.89

SBOM 26793 32923 38123 42313 57561 68704 70909 81704 96427 108642 120439 133099 139747 155378 168242 212670 291652 372763 398464 137713.32 109990.60 79.87 14.97

SBOP 46816 50298 56917 63466 87801 99975 103809 115007 133528 151450 176907 210916 251871 248893 280858 350734 490595 643570 664971 222546.42 190550.04 85.62 15.72

SBOT 37899 47161 56373 68556 88148 103291 113051 117201 135418 150962 168407 188460 220980 241684 264969 305417 387287 469625 490608 192394.58 137470.88 71.45 14.26

AB 86799 95809 96311 105698 124231 145918 162489 180375 210251 231035 265775 309470 341848 382547 424971 526027 713599 850666 988510 328543.63 266296.93 81.05 14.38

ANB 45767 46904 52869 65221 74689 88562 103250 119999 167338 207968 233385 279866 290531 303531 306668 376222 483603 613998 733749 241795.79 197823.36 81.81 16.83

BOB 240733 261587 305188 338055 399637 422039 471420 539973 586161 646362 694871 735926 786608 773624 817736 1038588 1386452 1784924 1950470 746334.42 486774.52 65.22 11.07

BOI 265787 231823 226038 264971 331120 400356 451575 516429 552253 617878 671195 757059 758789 718731 821308 1074327 1447214 1939921 2049462 741907.16 538393.06 72.57 12.31

BOM 46149 45116 50192 62615 81920 93783 108409 124163 165183 192827 230558 244215 266862 275291 252669 298708 382074 479157 532681 206977.47 144526.34 69.83 14.83

CB 208302 240695 238809 275936 341530 386882 443074 531943 568742 653605 779909 816985 907984 911582 1002708 1281551 1641360 1943026 2160986 807137.32 580757.45 71.95 13.59

CBOI 158318 165230 159371 184802 242270 283578 318438 363088 418540 473470 525812 562654 602800 612500 591640 670987 878661 1152516 1379955 512875.26 335185.74 65.35 12.13

COB 28596 33986 46313 61649 77531 93972 117163 155480 187520 209663 232763 263429 271793 281437 310004 399600 521633 717456 848103 255689.00 228057.04 89.19 18.80

DB 45226 50187 60214 71330 91796 112459 140056 164554 179914 191546 206136 220929 235288 203637 219916 251003 315400 387762 459899 189855.37 112073.17 59.03 12.16

IB 137736 164045 145999 150785 169430 178026 166186 182397 217376 241650 279586 305691 341425 343946 382775 501787 621865 786576 903078 327387.32 224370.76 68.53 10.51

IOB 102607 104549 122696 136882 173386 205108 219148 254985 277076 309583 370149 400581 449477 475060 494741 621912 877588 1123723 1138903 413587.05 320568.17 77.51 14.16

OBOC 44771 53725 64022 87204 112676 135493 159649 204641 267944 302645 351438 383566 402224 407709 467169 576814 745485 992781 1145717 363456.47 313769.52 86.33 18.52

P&SB 35588 35670 44229 58094 72764 82370 95959 109883 128516 140375 149414 159130 153438 150473 141957 195537 253691 365486 434598 147745.89 105866.39 71.65 12.81

PNB 203217 230985 255348 279187 348293 412279 462882 499265 588221 664190 762559 873532 964658 1013552 1085766 1257975 1626258 2224586 2503222 855577.63 658066.38 76.91 14.18

SB 96428 94756 112452 128546 151041 175450 191345 234089 274411 307360 315845 337025 386125 434804 461239 665854 879635 1043999 1121464 390098.32 316213.24 81.06 14.61

UCO 117922 111980 102558 117203 134808 143022 163755 188003 222641 257241 312478 340199 372157 406429 472864 576051 728068 914126 1049225 354248.95 281065.22 79.34 13.90

UBOI 99306 112991 135774 171908 217244 250103 271169 313163 361422 404454 451483 513074 534778 573590 635821 806871 1053429 1337193 1527742 514290.26 407564.38 79.25 15.05

UNBOI 67530 66198 66718 78148 92137 110414 147524 156760 183647 209557 242866 254761 257843 261156 279698 317279 402281 480273 580768 223976.74 144964.72 64.72 12.70

VB 42646 41849 48123 61737 73329 79612 89161 110905 131434 151245 172733 201683 246578 244798 259559 309789 442057 593663 588010 204679.53 172242.90 84.15 16.16

Total 3390125 3556644 3694574 4260233 5318344 6070499 6710151 7815932 9008926 10261849 11623608 12734516 13630330 14001029 15183677 18015455 23448426 30258677 33731274 12248119.42 8821544.08 72.02 13.33

YEAR Bank


Table 4.27 INTEREST EXPENDED BY PUBLIC SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D.

SBI 608864 672718 626413 668787 822592 959143 1047320 1304444 1527258 1775558 2072884 2110946 1927418 1848337 2039044 2343682 3192908 4291530 4732248 1819583.89 1182679.10

SBBJ 21180 26908 29055 31025 37292 46580 53690 63354 74235 81088 86718 88683 85713 87198 97287 143541 211298 270706 276569 95374.74 77285.33

SBOH 23728 31916 34241 39224 50575 60739 65072 76073 96235 108254 126864 131951 137159 136272 165455 213453 329025 424271 447088 141978.68 127042.64

SBOI 11442 13997 14807 14977 19039 22933 24923 30026 37233 47618 59555 61929 59279 60762 78118 112422 165384 197944 192810 64484.11 60031.49

SBOM 14603 20226 22007 23932 30373 36985 38127 45094 51897 60174 65588 65052 60265 62303 73509 109292 173210 240902 232236 75040.79 67554.21

SBOP 21112 28903 32766 35575 48246 58641 58552 63469 69509 73940 84763 97461 106605 115696 146487 205963 341962 467632 444105 131651.95 136623.83

SBOT 23300 30407 35992 43013 54601 66132 71357 78108 87759 92024 102946 106159 105652 111216 134349 169844 247682 284059 297794 112757.58 81911.90

AB 60773 74385 69430 72748 76168 87670 97651 110403 128097 138656 154237 166056 158291 182157 218979 313311 449888 520605 571872 192177.74 157172.09

ANB 30553 35934 37653 39219 45501 54108 60532 71664 102536 137458 145448 144205 131668 121292 150615 189778 286999 374772 417813 135670.95 112731.36

BOB 153066 172747 172955 182464 224963 255181 283752 324780 350663 381955 407611 399419 357548 345214 387509 542655 790167 996816 1075886 410807.95 265980.79

BOI 184068 166515 146156 155773 193850 237324 265111 318057 344314 366303 376900 389201 359448 379464 439672 573986 812595 1084845 1212204 421357.16 302595.30

BOM 29947 34773 36123 38394 46210 53580 61822 73340 100015 114757 141130 140537 143167 148604 150290 162784 231179 303504 343931 123899.32 89992.34

CB 110372 142821 148379 147200 187700 227788 274811 313078 341447 373525 455025 442477 432456 442150 513001 733773 1066294 1240125 1307143 468398.16 364763.68

CBOI 103495 122199 117871 116065 142274 169515 189210 223326 252160 281607 312252 317557 294153 282993 300551 375979 577247 822672 951901 313317.21 233110.22

COB 15505 20785 25342 30316 40726 51114 63917 97816 114609 122321 132048 131038 123724 112041 139966 205237 307323 437637 508435 141047.37 137219.20

DB 28005 34381 38751 41228 51920 64005 78987 105189 116919 126746 126556 120419 114322 103858 103745 126316 181715 238307 291033 110126.42 68383.02

IB 101673 123623 105718 105348 141061 144203 135286 142795 151868 161129 176288 171152 154986 156701 185434 241262 315908 422182 455318 189049.21 101144.39

IOB 73271 80118 84227 92540 121351 143212 149003 173327 182626 191267 220062 226444 215469 209552 233910 327128 528879 677181 707791 244071.47 189155.83

OBOC 24968 36159 39539 47195 62574 80087 95855 128973 174528 196809 206840 208993 184474 204821 251385 347357 515617 685998 734969 222481.11 209965.09

P&SB 23917 29897 30907 37444 49812 53456 60662 73402 85108 90108 94911 89789 78518 67590 66899 95987 143349 223530 275023 87911.00 64290.50

PNB 127992 153643 158485 174095 208901 243870 269908 279536 353820 382505 435258 436129 415499 445311 491739 602291 873086 1229531 1294402 451368.47 337864.45

SB 60046 69270 73620 76728 87059 104290 113722 142516 161233 169853 177487 166545 165564 206380 216955 389002 583356 697760 730737 231164.37 210784.09

UCO 84322 91058 83309 74589 86773 98682 108481 124629 142493 161264 181203 191068 190169 214049 278883 362317 502081 647668 720220 228592.53 193877.96

UBOI 56645 75618 84878 99548 128718 153899 168749 203750 235803 251395 267904 280850 278007 290524 348941 459196 636095 807582 911027 302059.42 241898.36

UNBOI 47221 57882 56758 59957 64759 80053 93628 110840 128646 141724 143307 139973 129245 121773 133952 167520 265269 315035 385772 139121.79 90996.45

VB 29048 27804 29056 35150 48581 49877 54961 68271 80937 89583 105319 102742 110233 110977 133902 175117 305842 411303 375157 123361.05 115427.74

Total 2069116 2374687 2334438 2482534 3071619 3603067 3985089 4746260 5491948 6117621 6859104 6926775 6519032 6567235 7480577 9689193 14034358 18314097 ### 6976854.42 5183866.85

YEAR Bank


(Rs. In Lakh)

C.V. EGR

65.00 11.58

81.03 13.90

89.48 16.26

93.10 17.32

90.02 14.49

103.78 16.65

72.64 13.28

81.78 12.72

83.09 14.92

64.75 9.92

71.81 10.94

72.63 14.08

77.87 13.66

74.40 11.38

97.29 18.50

62.10 11.29

53.50 7.00

77.50 11.99

94.37 18.71

73.13 10.74

74.85 12.26

91.18 13.87

84.81 12.82

80.08 14.47

65.41 10.38

93.57 15.50

74.30 12.42

Table 4.29 OPERATING EXPENSES BY PUBLIC SECTOR BANKS IN INDIA

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean

SBI 225398 257597 294947 361072 445954 460467 472089 589663 629517 829882 721090 794242 924531 1007418 1172509 1182352 1260861 1564871 2031868 801385.68

SBBJ 11291 12787 14043 17047 22723 24204 28067 33179 35582 42680 40047 45043 52660 62237 75978 75275 74953 78743 89047 43978.21

SBOH 11183 13122 15178 19226 24822 26498 26787 38247 37513 45093 41492 45140 53457 67078 81614 80849 79885 93314 98378 47309.26

SBOI 5899 6466 7266 9302 11448 12402 13970 16866 19274 22375 22477 24814 28187 32838 39718 40987 43114 46004 50814 23906.37

SBOM 8272 9469 10791 12245 17104 18724 20116 24576 28264 34675 31371 32772 36991 47911 50949 56223 61691 66508 72488 33744.21

SBOP 8754 10861 12795 16758 20988 21701 24436 26131 28942 37598 35682 39500 44891 47900 61155 65856 70700 79392 90095 39165.00

SBOT 9155 10746 11930 15240 19761 22102 21702 24046 29439 35914 33334 36801 45245 50263 63236 64524 68694 79938 95587 38824.05

AB 18797 21364 24596 29908 37741 39822 42089 46604 53592 65779 70740 91831 95932 107014 103575 102722 115758 139945 161783 72083.79

ANB 12982 14380 17082 24690 23021 25699 27193 32684 35854 45639 45399 60178 65846 82948 85795 93320 90909 110426 134954 54157.84

BOB 46471 54524 59551 78103 86947 89215 107063 120664 130331 160760 156334 164844 180530 198219 238475 254429 303430 357605 381058 166765.95

BOI 49029 54507 59401 77488 89884 105081 116746 127872 139640 174373 153089 164858 175154 193231 211513 260843 264499 309397 366781 162809.79

BOM 13844 15744 17456 21523 29062 29865 34176 37315 42008 54072 47924 51620 56046 72043 65871 74606 83635 96302 107295 50021.42

CB 46896 51719 58477 73509 85368 93673 101011 123124 134980 166958 159261 174771 189654 210897 234712 256531 279130 306526 347762 162892.58

CBOI 42503 48013 53701 63819 78907 84104 93156 109887 124224 144815 143124 152712 155756 168591 171623 168435 174583 186170 222202 125596.05

COB 7457 8419 10149 13930 15195 18263 22962 27067 30399 34136 38422 47138 57365 66695 74676 80359 89196 100157 125995 45683.16

DB 14075 15514 17523 23221 25327 29050 33708 37764 41139 57990 46040 51128 49909 61561 56134 61151 65044 76821 84808 44626.68

IB 25866 29212 35303 37925 50738 47659 51851 55925 63122 74362 72583 75514 106195 91441 107975 124664 140030 141514 173025 79205.47

IOB 25351 29064 33884 36763 49840 48951 54710 67362 75627 87656 88451 94723 101489 115853 126157 138780 148529 194170 246650 92842.63

OBOC 10101 11929 13529 20532 22488 25337 30056 37063 42824 52425 52889 58266 64448 79574 96584 99791 107963 138284 168598 59614.79

P&SB 10642 12841 13928 16552 22112 23250 25289 27309 33586 39993 38133 41257 59961 57097 48300 52307 56077 69184 71818 37875.58

PNB 47749 51498 68104 83801 100964 106442 112863 137602 152385 187164 179920 205673 237074 327798 302314 332623 352546 420620 476192 204385.89

SB 32289 35893 38427 50389 54042 61296 64084 74638 85120 107727 102834 108602 115136 126422 143482 138598 149454 171596 203357 98072.95

UCO 30098 32257 35432 38950 50648 51617 53770 59536 62464 74600 83677 86727 87148 108529 117738 119259 130593 146298 158442 80409.63

UBOI 27232 30326 34571 43835 57424 62072 67468 78415 86456 101933 96655 101832 108461 125749 140240 147591 159299 221411 250785 102197.63

UNBOI 18463 20453 21860 26464 32402 35858 37465 41281 46572 54161 75843 59186 67269 70422 81363 77848 90318 97514 107412 55902.84

VB 12007 13647 15015 18829 24256 26257 27825 31020 37953 43813 42163 55705 49781 53843 62355 65071 70129 92471 107157 44699.84

Total 771804 872352 994939 1231121 1499166 1589609 1710652 2025840 2226807 2776573 2618974 2864877 3209116 3633572 4014041 4214994 4531020 5385181 6424351 2768157.32

YEAR Bank


(Rs. In Lakh)

S.D. C.V. EGR

480687.56 59.98 11.53

25359.17 57.66 12.31

28276.82 59.77 12.61

14533.99 60.80 12.98

20282.81 60.11 12.71

24240.02 61.89 12.76

25239.52 65.01 13.14

42338.75 58.74 12.23

36173.76 66.79 13.55

100277.36 60.13 11.70

88789.51 54.54 10.76

27518.66 55.01 11.34

90410.85 55.50 11.45

53039.14 42.23 8.94

34975.00 76.56 16.74

20787.58 46.58 9.71

42536.12 53.70 10.28

58839.84 63.38 12.03

45030.59 75.54 15.93

19438.22 51.32 10.78

129672.82 63.45 13.16

49071.92 50.04 10.16

39823.11 49.53 9.66

61500.88 60.18 11.73

27617.64 49.40 10.13

26513.27 59.31 11.85

1598487.08 57.75 11.61

Table 4.25 TOTAL EXPENDITURE BY PUBLIC SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D.

SBI 834262 930315 921360 1029859 1268546 1419610 1519410 1894107 2156775 2605441 2793974 2905188 2851949 2855755 3211553 3526034 4453769 5856401 6764116 2620969.68 1651273.69

SBBJ 32471 39695 43098 48072 60014 70784 81757 96533 109817 123768 126765 133725 138373 149435 173265 218816 286251 349449 365616 139352.84 100245.99

SBOH 34911 45038 49419 58449 75396 87237 91859 114320 133748 153347 168356 177090 190616 203350 247069 294302 408910 517585 545466 189287.79 153156.76

SBOI 17341 20463 22073 24279 30487 35334 38894 46892 56507 69994 82032 86743 87466 93600 117836 153409 208498 243948 243624 88390.53 73693.16

SBOM 22874 29696 32798 36178 47477 55709 58243 69669 80161 94848 96960 97824 97256 110214 124458 165515 234901 307410 304724 108785.00 86269.45

SBOP 29866 39764 45560 52333 69234 80342 82988 89601 98450 111538 120444 136961 151496 163596 207642 271819 412662 547024 534200 170816.84 159176.73

SBOT 32455 41153 47922 58254 74362 88234 93059 102154 117198 127938 136280 142961 150897 161479 197585 234368 316376 363997 393381 151581.74 106339.92

AB 79569 95748 94026 102655 113909 127492 139740 157007 181689 204435 224977 257886 254223 289171 322554 416033 565646 660550 733655 264261.32 196252.17

ANB 43535 50314 54735 63909 68523 79807 87724 104348 138390 183096 190847 204383 197514 204240 236410 283098 377908 485198 552767 189828.74 146800.20

BOB 199536 227271 232506 260567 311910 344396 390816 445443 480994 542715 563945 564263 538078 543433 625984 797084 1093597 1354421 1456944 577573.84 362835.96

BOI 233097 221022 205557 233262 283734 342406 381856 445929 483954 540676 529989 554059 534602 572695 651185 834829 1077094 1394242 1578985 584167.00 387649.65

BOM 43791 50516 53578 59917 75271 83446 95999 110655 142023 168829 189054 192157 199213 220647 216161 237390 314814 399806 451226 173920.68 116820.70

CB 157268 194539 206855 220709 273067 321461 375822 436202 476426 540483 614286 617248 622110 653047 747713 990304 1345424 1546651 1654905 631290.53 451121.44

CBOI 145998 170212 171572 179883 221181 253619 282367 333213 376384 426422 455376 470269 449909 451584 472174 544414 751830 1008842 1174103 438913.26 278394.82

COB 22962 29204 35491 44247 55921 69377 86879 124883 145007 156457 170470 178176 181089 178736 214642 285596 396519 537794 634430 186730.53 170101.90

DB 42081 49896 56275 64449 77247 93055 112695 142953 158058 184735 172596 171547 164231 165419 159879 187467 246759 315128 375841 154753.21 87920.46

IB 127539 152834 141020 143273 191799 191862 187136 198720 214990 235491 248871 246666 261181 248142 293409 365926 455938 563696 628343 268254.53 140550.92

IOB 98623 109182 118111 129304 171191 192163 203713 240689 258253 278923 308513 321168 316958 325405 360067 465908 677408 871351 954441 336914.26 245656.69

OBOC 35069 48088 53068 67727 85062 105423 125911 166036 217352 249234 259729 267260 248922 284395 347969 447148 623580 824282 903567 282095.89 253593.28

P&SB 34559 42739 44835 53997 71924 76706 85951 100710 118694 130101 133044 131046 138479 124687 115199 148294 199426 292714 346841 125786.63 80806.66

PNB 175741 205142 226589 257896 309865 350313 382771 417139 506205 569669 615179 641802 652573 773109 794053 934914 1225632 1650151 1770594 655754.58 460629.87

SB 92335 105163 112047 127117 141101 165585 177806 217154 246354 277580 280321 275146 280700 332802 360437 527600 732810 869356 934094 329237.26 254953.70

UCO 114420 123315 118741 113540 137421 150299 162251 184165 204957 235864 264880 277795 277317 322578 396621 481576 632674 793966 878662 309002.21 231024.50

UBOI 83877 105944 119449 143383 186142 215971 236217 282165 322259 353328 364559 382682 386468 416273 489181 606787 795394 1028993 1161812 404257.05 302232.20

UNBOI 65685 78335 78618 86421 97161 115911 131093 152121 175218 195885 219150 199159 196514 192195 215315 245368 355587 412549 493184 195024.68 116284.94

VB 41054 41451 44070 53979 72838 76135 82787 99291 118890 133397 147482 158446 160014 164820 196257 240188 375971 503774 482314 168060.95 140428.07

Total 2840919 3247039 3329373 3713659 4570783 5192677 5695744 6772099 7718753 8894194 9478079 9791650 9728148 10200807 11494618 13904187 18565378 23699278 ### 9745011.58 6719824.62

YEAR Bank


(Rs. In Lakh)

C.V. EGR

63.00 11.57

71.94 13.50

80.91 15.35

83.37 16.10

79.30 14.04

93.19 15.76

70.15 13.27

74.26 12.65

77.33 14.57

62.82 10.44

66.36 10.89

67.17 13.25

71.46 13.11

63.43 10.78

91.09 18.10

56.81 10.85

52.39 7.91

72.91 12.05

89.90 18.08

64.24 10.91

70.24 12.58

77.44 12.84

74.76 12.01

74.76 13.75

59.63 10.37

83.56 14.52

68.96 12.23

Table 4.1 BRANCH EXPANSION IN PUBLIC SECTOR BANKS IN INDIA

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 8691 8735 8812 8839 8884 8888 8924 8983 8335 9072 9085 9081 9084 9086 9143 9270 10183 11472 12495 9319 1017.07 10.91

SBBJ 708 709 733 735 747 764 767 780 789 790 793 794 805 813 816 830 847 857 867 786 46.67 5.93

SBOH 729 730 749 769 780 800 832 854 874 878 885 895 904 915 930 939 992 1022 1132 874 104.84 11.99

SBOI 336 338 353 352 361 372 379 386 402 410 419 427 432 438 436 437 459 469 471 404 43.84 10.85

SBOM 512 514 525 531 539 557 562 578 594 603 603 604 616 627 634 637 650 664 689 592 52.56 8.89

SBOP 588 597 625 637 655 699 707 710 715 723 723 738 742 745 753 766 802 848 890 719 78.23 10.88

SBOT 614 618 631 648 650 654 660 665 668 671 675 671 679 689 694 707 713 730 753 673 35.98 5.34

AB 1798 1800 1845 1790 1863 1863 1875 1885 1893 1901 1915 1924 1926 1930 1932 2006 2135 2217 2261 1935 132.75 6.86

ANB 955 957 968 970 979 974 982 1006 1017 1019 1069 1100 1112 1123 1148 1194 1363 1425 1549 1100 171.91 15.62

BOB 2345 2364 2393 2457 2477 2493 2522 2572 2653 2668 2668 2680 2680 2680 2687 2727 2845 2915 3088 2627 190.93 7.27

BOI 2350 2381 2367 2422 2454 2475 2495 2515 2532 2534 2548 1548 2550 2551 2563 2635 2845 2935 3093 2515 303.41 12.06

BOM 1125 1127 1127 1137 1137 1147 1162 1176 1195 1218 1220 1233 1256 1280 1287 1331 1365 1407 1436 1230 98.37 8.00

CB 2026 2049 2087 2136 2191 2262 2312 2380 2397 2404 2408 2424 2476 2519 2551 2588 2690 2740 3050 2405 258.40 10.75

CBOI 3022 3043 3062 3079 3085 3088 3088 3093 3102 3110 3115 3117 3121 3130 3143 3184 3324 3533 3587 3159 154.75 4.90

COB 441 449 473 493 501 507 581 616 648 653 659 685 726 769 794 884 964 1035 1108 683 200.07 29.27

DB 1014 1018 1023 1031 1035 1043 1056 1065 1071 1096 1033 1036 1036 1042 1039 1034 1071 1093 1124 1051 29.25 2.78

IB 1368 1375 1407 1441 1473 1487 1481 1498 1496 1424 1320 1342 1358 1369 1395 1438 1524 1612 1733 1450 100.22 6.91

IOB 1298 1306 1323 1348 1355 1371 1380 1401 1426 1436 1446 1433 1481 1520 1523 1651 1879 1927 2022 1501 215.28 14.34

OBOC 548 552 554 619 701 755 841 898 915 932 969 988 1033 1138 1161 1224 1344 1422 1530 954 296.32 31.06

P&SB 762 768 685 689 700 704 711 711 736 746 753 753 758 758 780 827 839 858 899 760 59.21 7.79

PNB 3054 3091 3675 3700 3732 3765 3792 3822 3853 3878 3858 3871 3889 4005 4028 4039 4178 4327 4735 3858 372.62 9.66

SB 1555 1558 1559 1568 1590 1611 1627 1671 1702 1733 1749 1741 1788 1817 1897 2072 2188 2246 2328 1789 245.75 13.73

UCO 1784 1789 1798 1791 1804 1803 1803 1795 1767 1721 1715 1710 1718 1730 1749 1857 1945 2058 2139 1814 115.28 6.35

UBOI 1858 1869 1893 1911 2005 2030 2087 2119 2135 2054 2022 2020 2032 2050 2095 2210 2324 2570 2839 2112 242.07 11.46

UNBOI 1315 1323 1330 1331 1333 1333 1333 1333 1330 1314 1305 1299 1302 1306 1316 1324 1399 1445 1526 1342 56.52 4.21

VB 738 745 778 811 834 835 835 811 836 842 827 843 879 910 924 978 1053 1101 1157 881 115.52 13.11

Total 41534 41804 42773 43233 43863 44278 44795 45322 45080 45830 45782 44956 46383 46940 47418 48789 51921 54928 58501 46533 4368.70 9.39

YEAR Bank


EGR

1.26

1.05

2.05

1.95

1.59

1.87

0.92

1.04

2.33

1.23

0.95

1.35

1.84

0.65

5.09

0.30

0.48

2.14

5.80

1.07

1.55

2.19

0.52

1.54

0.37

2.04

1.43

Table 4.4 DEPOSIT MOBILIZATION BY PRIVATE SECTOR BANKS IN INDIA

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean

AXIS NE NE NE 33894 92566 140866 273055 304069 572000 909220 1228721 1696472 2095391 3171199 4011353 5878560 8762622 11737411 14130022 3439839

BORL 106270 120616 153198 203451 250682 293893 282673 298492 324210 353322 395998 529924 740590 812031 889127 1081593 1384935 1518714 1506235 591892

CSBL 56010 70397 92684 109819 138072 152772 184865 213916 245778 277581 319137 350620 388046 402111 428885 474859 531761 633283 697835 303602

CUBL 19232 26428 34650 45726 57205 78787 102182 122696 134048 161162 197371 231737 284665 309523 351774 469933 642496 820662 1028459 269407

DEL NE NE NE NE 68850 102235 143637 188339 276662 343049 369176 365709 447418 389476 312400 441520 607485 464689 478733 333292

DHAN 16329 21411 30820 45847 70673 107633 104029 123594 140067 149434 165724 183789 215577 233884 253268 308796 360843 496880 709848 196760

FBL 149136 171783 243309 279096 369716 460340 642442 678207 646338 766544 886531 1094742 1347669 1519288 1787874 2158444 2591335 3219819 3605795 1190443

HDFC NE NE NE 64190 68570 127907 219174 291511 842772 1165811 1765381 2237607 3040886 3635425 5579682 6829794 10076860 14281158 16740444 4185448

ICICI NE NE NE 33061 72795 134760 262902 607294 986602 1637821 3208511 4816931 6810859 9981878 16508316 23051019 24443104 21834783 20201660 8412019

IIBL NE NE NE 69489 141223 309310 427334 501842 654597 718713 840012 859787 1120027 1311428 1500630 1764481 1903741 2211026 2671017 1062791

JKAL 154756 189017 206872 237809 289518 365814 488246 644403 942209 1116808 1291111 1467490 1866139 2164497 2348464 2519428 2859326 3300411 3723716 1377686

KAL 73180 84356 106241 133368 185531 251059 340835 438211 517417 607550 700148 829172 940695 1083705 1324317 1403744 1701619 2033328 2373065 796186

KVBL 43748 54941 88273 134192 115880 157549 213785 253793 309061 361525 418006 512192 591148 667219 757684 934031 1255000 1510140 1927185 542387

LVBL 35123 40578 58439 103728 91313 113251 141893 159101 196341 227764 247692 277050 329581 349593 433637 501987 561848 736091 907538 290134

NBL 11994 14101 15860 17200 21123 27188 32819 38372 46358 53508 60801 66871 75880 93327 112504 148065 179000 213723 250749 77865

RAT 8916 10134 12016 16287 17447 21802 27407 33753 43802 53215 60411 64230 71521 78375 87418 87638 110107 130705 158504 57563

SBI COM NE NE NE NE NA 29012 43262 43276 51369 49970 56247 49434 37333 33148 37817 48785 52202 58813 49152 44067

SIBL 75829 100032 125052 151553 172388 209659 273827 312256 388536 466855 591970 686127 828002 849232 957865 1223921 1515612 1809234 2301152 686269

TMBL 40819 54769 78897 104404 111687 125830 160445 205595 266453 319807 372999 408458 440428 482688 520287 601988 767025 956604 1163930 378059

TOTAL 791342 958563 1246311 1783114 2335239 3209667 4364812 5458720 7584620 9739659 13175947 16728342 21671855 27568027 38203302 49928586 60254719 67908661 74625039 21449291

NE stands for non -existent.

YEAR Bank


Note: NA stands for not available.

(Rs. In Lakh)

S.D. C.V. EGR

4440133.84 129.08 45.70

476191.33 80.45 15.92

190688.03 62.81 13.92

285028.86 105.80 22.79

153033.42 45.92 12.95

175708.83 89.30 19.26

1041841.31 87.52 18.57

5266514.89 125.83 47.21

9443349.02 112.26 57.11

768513.37 72.31 22.09

1152010.42 83.62 20.78

693718.96 87.13 21.42

530388.90 97.79 21.44

243221.52 83.83 17.91

71589.04 91.94 18.38

43296.81 75.22 17.03

8229.65 18.68 1.84

633784.39 92.35 19.88

316220.43 83.64 18.61

24640164.36 114.88 30.63

Table 4.6 DEMAND DEPOSITS IN PRIVATE SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D.

AXIS NE NE NE 3757 32943 18201 23465 36471 66555 82899 115147 248553 539373 715483 797008 1130432 2004458 2482161 3216774 719605 1001561.99

BORL 23815 25249 33431 45886 58220 52210 47981 53392 61619 68033 75493 83220 93142 114123 139985 138107 161776 147504 157909 83216 46192.62

CSBL 6540 8319 10295 12398 14037 12417 12846 17195 23176 23178 19623 18651 24489 24752 24174 26665 28792 31392 29209 19376 7575.24

CUBL 3274 4628 5704 8705 9097 10940 11326 11049 15584 19607 19800 21916 25990 29027 32773 57377 62080 69511 109703 27794 27908.27

DEL NE NE NE NE 13226 15112 11906 15741 22424 20053 27401 27247 36637 34375 40538 52935 63475 66940 77361 35025 21135.86

DHAN 1547 2054 2698 4017 5581 7699 6779 8463 13116 12698 12407 19603 21250 27140 27899 35038 41210 46078 56347 18507 16317.61

FBL 20492 16575 38866 37272 28705 26543 32756 43190 43728 65381 67351 58771 70022 86108 93825 121661 146438 144260 183127 69741 48039.20

HDFC NE NE NE 3358 22688 40886 67321 98152 277991 285598 422018 495096 883512 1063046 1475246 1981184 2875970 2844492 3722710 1034954 1202590.32

ICICI NE NE NE 15182 18670 31633 36317 57662 158748 262186 273615 368944 725906 1283690 1657348 2137565 2469128 2163169 3099746 922469 1051064.90

IIBL NE NE NE 5282 12633 21172 34203 56005 87069 65105 91628 82237 85678 89344 120138 171130 180189 295497 440678 114874 113668.61

JKAL 40981 59109 53934 49563 54580 64867 80164 114290 182089 156574 203709 208789 217630 274008 301139 347917 429496 462518 489239 199505 148258.69

KAL 7851 8895 11587 16495 19916 24508 25167 29858 40174 39478 39999 46587 56877 73545 89647 108069 111929 115701 170648 54575 45225.41

KVBL 9369 10213 12713 21673 15880 19816 21344 28282 34630 44039 50357 56989 65331 78523 95103 122816 153926 149677 205053 62933 57300.32

LVBL 10441 8657 11015 19624 14472 15907 19728 24615 30493 28916 30941 37772 40999 42700 45308 50692 55919 49208 62853 31593 16599.45

NBL 1139 1112 1247 1697 1977 2783 3648 4435 4279 4850 5967 4977 6455 7935 11825 15344 13156 12898 15203 6365 4913.86

RAT 1107 1200 1435 1866 2297 2587 3092 3239 5603 5262 5880 6091 7875 9816 14830 15256 20621 22023 27746 8307 7996.89

SBI COM NE NE NE NE NA 1501 1770 1665 2694 2107 1373 1301 1204 1138 3098 4536 3422 876 1167 1963 1021.58

SIBL 8536 9554 11422 12713 12385 14131 16882 19284 23808 22661 29127 32802 39762 47872 56357 61920 77312 84553 105188 36119 28632.77

TMBL 12487 16737 21841 28081 28551 28837 29984 39802 45866 51685 53623 54331 57159 67403 74840 82891 92335 95553 137074 53636 32061.07

TOTAL 147579 172302 216188 287569 365858 411750 486679 662790 1139646 1260310 1545459 1873877 2999291 4070028 5101081 6661535 8988210 9283135 12307735 3051633 3707451.14


YEAR Bank



(Rs. In Lakh)

C.V. EGR

139.18 51.82

55.51 10.98

39.10 7.89

100.41 18.29

60.35 14.40

88.17 20.75

68.88 12.54

116.20 49.71

113.94 47.33

98.95 24.97

74.31 15.80

82.87 17.24

91.05 18.49

52.54 11.07

77.21 16.70

96.27 19.66

52.05 0.09

79.27 14.91

59.78 11.69

121.49 29.38

Table 4.8 SAVING DEPOSITS IN PRIVATE SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D.

AXIS NE NE NE 186 770 1364 6270 14707 30647 56938 87580 142325 258451 489086 806544 1212588 1998241 2582212 3386180 692131 1062121.66

BORL 23793 24170 29981 36667 39430 44204 51582 62162 69766 79395 94432 107914 127335 151722 186092 206309 247958 268800 336000 115143 93190.88

CSBL 13761 14569 18252 21501 22382 24394 26346 32669 38824 42815 49953 59908 77640 86316 99681 110259 119200 133421 146059 59892 43614.30

CUBL 3966 4691 5370 6798 8067 9157 10444 13090 16600 18665 22169 26074 32392 38617 47942 56849 72339 85605 115121 31261 31317.89

DEL NE NE NE NE 13959 12371 16242 18667 24301 26822 29540 34857 47447 54062 59608 72233 83954 77165 91915 44210 27302.81

DHAN 4369 4551 5696 7599 8232 8640 9676 12968 16000 18129 21732 25244 32364 35706 45342 52555 64283 74684 98807 28767 26995.89

FBL 29950 32882 40286 49432 51849 58374 66335 84684 99991 114602 134195 172722 241184 286471 353415 422967 503660 644584 761113 218352 221271.70

HDFC NE NE NE 230 1731 6867 17735 34651 112495 190300 295745 466314 780430 1141838 1618579 1958482 2615394 3491474 4987678 1107496 1483385.72

ICICI NE NE NE 495 1851 4967 10374 22712 53326 188064 249700 379321 837203 1139182 2093698 2883879 3908931 4103615 5321837 1324947 1775718.78

IIBL NE NE NE 617 1045 2677 4384 9397 13451 14325 17233 22498 39474 50862 72924 92141 118642 129994 191496 48823 57017.74

JKAL 45205 49479 56144 67012 78517 90597 104191 121608 159620 187291 235900 281161 347149 418565 501351 584883 690254 795349 1026081 307387 288980.97

KAL 17963 18654 23277 29730 35330 40994 45189 55693 69437 79512 90848 106968 133894 160561 186844 219981 264837 289943 381368 118475 105665.92

KVBL 5433 6439 7563 10067 11403 13411 16643 21660 27762 33633 41392 52982 69862 84525 108785 135987 167283 180882 248467 65483 71112.08

LVBL 5718 6470 8211 10930 10896 11759 14913 19024 23816 26750 31215 34838 43773 46856 54786 59965 65851 74322 102504 34347 27115.74

NBL 4726 4904 5705 6699 7522 9237 11984 14734 16666 19071 22285 26270 32369 38126 48963 57393 67999 79581 91117 29755 26961.28

RAT 2090 1931 2424 2885 3125 3524 3756 4677 5693 7138 8263 8235 10865 12496 18648 17907 21594 21728 29506 9815 8236.72


SIBL 18341 20656 24336 27779 28535 32802 37060 48270 61281 71842 83134 98835 133856 162630 196631 231051 287572 345968 427147 123038 121780.22

TMBL 7512 8480 10750 13668 14550 15182 17178 22993 29016 34214 40258 44820 54022 59927 73011 85151 98762 115012 153518 47264 41186.93

TOTAL 182827 197876 237995 292295 339194 391140 470940 615205 869883 1210719 1556991 2092844 3302683 4460018 6575350 8463201 11396754 13494339 17902323 3897504 5268492.98


YEAR Bank



(Rs. In Lakh)

C.V. EGR

153.46 87.42

80.94 16.09

72.82 14.90

100.18 20.06

61.76 16.34

93.84 18.86

101.34 20.23

133.94 79.97

134.02 84.17

116.79 42.78

94.01 19.59

89.19 18.57

108.60 24.20

78.95 16.82

90.61 18.89

83.92 16.72

78.50 17.12

98.98 19.71

87.14 17.76

135.18 31.42

Table 4.10 TERM DEPOSITS IN PRIVATE SECTOR BANKS IN INDIA

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean

AXIS NE NE NE 29951 58852 121301 243321 252891 474799 769382 1025994 1305594 1297567 1966630 2407801 3535540 4759923 6673038 7527068 2028103

BORL 58661 71197 89786 120898 153032 197479 183110 182938 192825 205894 226073 338791 520113 546186 563050 737177 975201 1102410 1012326 393534

CSBL 35710 47509 64138 75920 101652 115961 145674 164052 183777 211588 249561 272061 285917 291043 305030 337935 383769 468470 522567 224333

CUBL 11992 17109 23576 30224 40041 58689 80412 98557 101864 122890 155402 183748 226283 241879 271059 355707 508077 665546 803635 210352

DEL NE NE NE NE 41665 74753 115489 153930 229937 296174 312235 303606 363334 301039 212254 316352 460056 320584 309457 254058

DHAN 10413 14807 22426 34231 56860 91294 87573 102163 110950 118607 131585 138942 161963 171038 180027 221203 255350 376118 554694 149487

FBL 98694 122325 164157 192392 289162 375423 543351 550334 502619 586561 684984 863249 1036463 1146709 1340634 1613816 1941237 2430975 2661555 902349

HDFC NE NE NE 60602 44150 80154 134118 158708 452286 689913 1047618 1276197 1376944 1430541 2485857 2890128 4585496 7945192 8030056 2042998

ICICI NE NE NE 17384 52274 98160 216211 526920 774528 1187571 2685195 4068665 5247750 7559006 12757270 18029575 18065045 15567999 11780077 6164602

IIBL NE NE NE 63590 127545 285462 388747 436440 554076 639283 731151 755053 994875 1171222 1307568 1501210 1604910 1785535 2038843 899094

JKAL 68570 80429 96794 121234 156422 210350 303891 408505 600500 772944 851502 977540 1301360 1471924 1545974 1586628 1739576 2042544 2208396 870794

KAL 47366 56807 71377 87143 130285 185558 270479 352660 407806 488560 569302 675618 749924 849599 1047826 1075694 1324853 1627684 1821049 623136

KVBL 28947 38289 67998 102452 88597 124322 175798 203851 246669 283854 326257 402221 455955 504171 553796 675228 933791 1179581 1473665 413971

LVBL 18964 25451 39213 73175 65945 85585 107251 115462 142032 172099 185536 204440 244809 260037 333543 391330 440078 612561 742181 224194

NBL 6129 8085 8908 8803 11625 15168 17186 19203 25413 29587 32549 35624 37056 47266 51716 75328 97845 121244 144430 41746

RAT 5718 7002 8158 11536 12025 15690 20560 25837 32506 40815 46268 49903 52781 56063 53940 54475 67892 86954 101251 39441


SIBL 48952 69823 89294 111061 131467 162726 219885 244702 303447 372352 479709 554490 654384 638730 704877 930950 1150728 1378713 1768818 527111

TMBL 20820 29553 46306 62654 68587 81811 113284 142800 191571 233908 279118 309307 329247 355358 372436 433946 575928 746039 873338 277158

TOTAL 460936 588386 792131 1203250 1630186 2406778 3407194 4180726 5575089 7268631 10073496 12761624 15369881 19037981 26526871 34803850 39869755 45131187 44414982 14500154


YEAR Bank



(Rs. In Lakh)

S.D. C.V. EGR

2388828.57 117.79 40.98

340258.98 86.46 17.15

140929.15 62.82 14.35

226377.89 107.62 24.17

114763.64 45.17 12.31

133598.79 89.37 19.34

774767.35 85.86 18.95

2630461.59 128.76 42.37

6821750.26 110.66 57.20

609671.91 67.81 21.11

724076.06 83.15 23.10

544418.50 87.37 22.66

403219.23 97.40 21.65

200982.61 89.65 19.57

40219.94 96.35 18.25

27676.81 70.17 16.54

8088.48 20.19 1.10

484324.26 91.88 20.44

243830.15 87.97 20.90

15822554.61 109.12 30.79

Table 4.12 CREDIT DEPLOYMENT BY PRIVATE SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D.

AXIS NE NE NE 35889 55685 63945 162730 216979 350662 482112 535230 717992 936295 1560292 2231423 3687648 5966114 8155677 10434095 2224548 3213831.31

BORL 53955 57169 68825 101841 136099 149829 148029 148746 172844 186704 195596 222124 243163 289617 406497 570402 743388 778075 832947 289782 252604.82

CSBL 29540 37045 48913 63125 83361 95507 101036 94998 106071 126297 121093 147070 189824 228933 269487 301264 331356 368384 446694 167895 122179.99

CUBL 10739 14198 19040 27206 38526 47641 57552 66644 76939 87642 101105 121447 154697 201296 254953 332923 453706 564525 683346 174428 197935.72

DEL NE NE NE NE 41991 61163 76283 102133 163813 206573 225925 248837 243952 215606 186732 265852 406880 327402 345971 207941 106776.27

DHAN 7411 11006 16326 28589 44859 56241 54927 60523 77631 88010 91771 108049 113860 141015 159435 183950 210203 319606 500626 119686 121078.33

FBL 66370 86589 119734 163151 222845 299941 392117 422777 403571 485413 518911 621752 770053 882259 1173647 1489910 1890466 2239188 2695011 786511 769035.56

HDFC NE NE NE 9800 36862 57526 84198 140056 336227 463666 681372 1175486 1774451 2556630 3506126 4694478 6342689 9888305 12583059 2770683 3827412.56

ICICI NE NE NE 12122 65075 79800 112787 211012 365734 703146 4703487 5327941 6209551 9140515 14616311 19586560 22561608 21831085 18120560 7727956 8675711.79

IIBL NE NE NE 53829 112119 192766 245083 266227 367705 423688 557420 534785 730116 899975 931047 1108420 1279531 1577064 2055059 708427 568692.18

JKAL 98113 112953 124092 120790 136413 169398 215824 295096 351807 476290 642389 801095 928493 1151714 1448311 1707994 1888261 2093041 2305723 793042 751113.36

KAL 39372 47427 60604 81229 118542 144969 181829 204663 245143 282822 341755 389970 466791 628744 779157 955268 1084197 1181004 1443568 456687 431877.25

KVBL 19183 23377 31302 64924 82430 95626 115470 144788 180730 225415 246003 334440 402324 461981 555544 704048 942153 1040988 1344700 369233 385932.63

LVBL 16282 18860 26573 44983 49282 60838 75791 90943 115005 148023 156525 176370 203871 231771 295281 361271 385879 524583 627750 189994 176309.81

NBL 5103 5368 5272 5761 6880 7427 7341 8754 10327 12038 13080 17238 23551 36321 60347 79507 99486 113146 128842 33989 40998.46

RAT 5209 5566 6781 8693 9157 12299 14978 16367 18736 24535 27037 31205 34601 42376 49083 53052 58579 80111 117044 32390 29246.91


SIBL 38922 49330 60305 74277 102840 115436 146323 166466 202108 246836 323105 361294 419682 536526 637023 791892 1045375 1185203 1582292 425539 439715.69

TMBL 20662 28838 43210 63412 69580 74619 82547 97147 125504 158835 177266 195998 211398 262624 312639 404672 533132 657169 828761 228843 227024.61

TOTAL 410861 497726 630977 959621 1412546 1799442 2298918 2779979 3707344 4856678 9683615 11550679 14068729 19491270 27898418 37312061 46223003 52924556 57096558 15558052 19194096.21


YEAR Bank



(Rs. In Lakh)

C.V. EGR

144.47 45.28

87.17 15.68

72.77 14.64

113.48 24.24

51.35 14.36

101.16 20.75

97.78 20.78

138.14 56.66

112.26 66.37

80.28 22.54

94.71 21.96

94.57 21.89

104.52 25.25

92.80 21.20

120.62 21.72

90.30 17.68

29.89 1.87

103.33 22.01

99.21 20.03

123.37 34.15

Table 4.14 BILLS PURCHASED & DISCOUNTED IN PRIVATE SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D.

AXIS NE NE NE 1944 10946 11439 91767 140075 199563 165516 16594 20988 25850 74265 58381 127371 202362 246526 345006 108662 101286.44

BORL 10557 10317 12480 17323 19482 16406 15811 17787 19046 22599 18006 22200 16425 12485 14533 15178 34442 35933 21631 18560 6859.10

CSBL 3864 3907 5331 8949 5637 6366 8339 5824 7855 15560 7533 11219 9903 7736 7075 5538 7407 9404 7572 7633 2721.22

CUBL 478 1080 1396 2595 3631 6553 6064 5405 5348 7436 6778 7150 9729 9772 9568 10081 12580 16317 16524 7289 4622.63

DEL NE NE NE NE 3001 15389 22988 27873 45942 50637 24421 35328 21092 12000 18274 9248 24809 15594 38432 24335 13446.70

DHAN 815 1318 2321 4447 9681 5361 5526 4919 9594 12846 13112 12655 7313 8013 10683 12298 16328 16755 10971 8682 4787.25

FBL 12007 18372 15222 15865 55978 95386 140433 129705 67310 85720 86037 96310 113267 121071 129374 136199 161324 127348 121665 90979 47641.17

HDFC NE NE NE 0 1525 4426 27495 29455 57120 71648 132508 262279 319397 465567 137677 80476 163738 485534 636147 179687 198532.35

ICICI NE NE NE 1015 6618 7640 14092 45496 70129 108704 165412 43764 256901 681182 943982 1174634 1523146 1428154 445316 432262 542682.22

IIBL NE NE NE 7214 12327 10227 31087 45707 56243 89745 136036 99350 62184 109176 42076 40426 44601 138588 238534 72720 60899.76

JKAL 8753 5599 13062 10478 10227 7391 6806 16056 21781 24084 28803 57129 34671 33996 52040 61916 71415 63785 36474 29709 21894.26

KAL 6785 7465 7632 11938 15358 17347 21033 22983 27588 25880 25677 27716 30091 36764 44719 54120 72470 65048 69119 31039 20830.27

KVBL 3757 3773 5145 8418 10340 14368 16959 21493 41437 49738 24012 25475 20060 26944 32255 33283 70820 80851 95125 30750 26370.04

LVBL 2302 2927 4785 6949 8400 9443 11837 16144 20620 36139 20769 17478 20670 20959 19416 18190 30799 42503 40760 18478 12057.33

NBL 120 132 123 106 133 210 176 159 170 228 185 171 199 235 545 708 525 619 990 302 249.68

RAT 640 173 264 282 346 464 833 719 838 1066 870 2480 1904 2633 1971 1193 1191 12226 30168 3172 7057.79


SIBL 4934 9536 13105 15585 14870 14611 17548 18480 19377 25661 35471 39265 50894 53318 56069 58542 114027 169368 305876 54555 73087.36

TMBL 2602 4583 6812 8828 9565 9102 9769 10886 16314 17154 14174 16814 18466 25171 24280 19871 22017 20960 38650 15580 8658.06

TOTAL 57614 69182 87678 121936 198065 252963 450604 560080 687758 813770 759480 801409 1020976 1708772 1606089 1861708 2574001 2975513 2505326 1005943 929216.64


YEAR Bank



(Rs. In Lakh)

C.V. EGR

93.21 22.20

36.96 3.70

35.65 2.88

63.42 16.24

55.26 2.94

55.14 12.80

52.37 13.05

110.49 38.22

125.54 53.87

83.75 16.49

73.70 14.42

67.11 13.62

85.76 16.84

65.25 14.12

82.73 11.30

222.53 20.98

66.40 15.04

133.97 19.25

55.57 11.27

92.37 24.61

Table 4.16 CASH CREDITS, OVERDRAFTS & LOANS IN PRIVATE SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D.

AXIS NE NE NE 14095 32698 38892 57617 58594 115434 211323 259656 306139 311973 445484 604662 988661 1644324 2136707 2601356 614226 811069.39

BORL 26635 31242 40273 60228 82512 85604 88400 80082 99373 105887 107597 104836 113185 131206 147542 193224 244708 222165 206446 114271 63177.15

CSBL 13518 18072 23980 29036 42122 45957 48184 49921 55606 58623 56204 70648 85873 96663 117319 133496 156355 190222 277717 82606 67377.69

CUBL 7821 10135 13438 18576 26006 30620 37883 44637 53931 59508 65109 78872 99917 135935 155222 207549 203564 281509 380809 100581 103214.83

DEL NE NE NE NE 17742 26056 26652 35845 59146 61106 102303 80634 49881 43200 39790 66481 97890 91129 116535 60959 30790.65

DHAN 4799 6267 9114 18292 22322 33071 29037 35050 43968 47378 50043 57545 67408 73285 69546 89529 102805 145187 177710 56966 46233.20

FBL 42864 52113 81766 111781 120246 145556 174111 193187 214432 246178 262351 284240 352121 380096 529187 652661 831770 1001265 1390323 371908 361867.54

HDFC NE NE NE 4000 11196 22582 23502 50327 146793 137653 173752 260780 374065 553628 788199 1034453 1543769 2159720 2398526 605184 784040.15

ICICI NE NE NE 10653 49932 63210 84159 138350 257767 497091 240251 313402 609787 1233444 2493283 3286422 3480518 3439455 2555523 1172078 1363985.61

IIBL NE NE NE 45233 92587 166107 180958 173182 235069 246493 331413 306335 317505 213588 194751 295200 370999 508948 628719 269193 147118.64

JKAL 77187 85961 84408 77445 98499 122618 148482 169479 189091 221973 296863 351196 385816 430406 502424 599038 654652 653824 750880 310539 227482.66

KAL 23469 30184 42036 54053 79596 96684 122275 136752 159603 187512 236751 248969 281335 343713 411649 484903 553845 632220 772830 257809 220717.88

KVBL 11046 13940 18671 42782 46345 50131 62299 77066 85024 101028 106446 127623 142276 175557 281902 382019 484923 606041 818449 191240 225574.62

LVBL 10387 11935 16735 28642 27858 33529 41385 50371 67626 79989 81256 92706 99367 122037 136324 200908 224299 277694 319770 101201 92035.73

NBL 4983 5236 5149 5655 6747 7217 7165 8595 7900 11811 9493 11738 14301 20296 32656 43957 55172 65102 73248 20864 22054.10

RAT 2116 2297 2328 4183 4473 6339 7695 9323 10142 12906 14502 16839 20416 20924 23968 28465 29561 28904 34033 14706 10541.20


SIBL 20010 21388 26338 34176 47515 50261 72829 82860 103769 126517 167335 158828 154553 186251 237704 343368 478250 531846 680488 185489 190552.96

TMBL 12978 17605 26471 39087 41635 44900 50901 58745 75592 95730 107237 121530 125574 151067 169658 217760 281856 337505 412115 125681 113409.32

TOTAL 257813 306375 390707 597917 850031 1075028 1283329 1474139 2008957 2531706 2688510 3005653 3614287 4767649 6943975 9252822 11439260 13309443 14597527 4231323 4616463.88


YEAR Bank



(Rs. In Lakh)

C.V. EGR

132.05 39.24

55.29 11.46

81.57 14.26

102.62 22.03

50.51 9.76

81.16 18.51

97.30 17.86

129.55 51.59

116.37 46.56

54.65 11.27

73.25 15.57

85.61 20.38

117.95 23.60

90.94 19.90

105.70 16.03

71.68 18.21

61.26 -8.54

102.73 20.84

90.24 18.65

109.10 25.46

Table 4.18 TERM LOANS GIVEN BY PRIVATE SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D.

AXIS NE NE NE 19850 12041 13614 13346 18310 35665 105273 258980 390865 598472 1040543 1568380 2571616 4119428 5772443 7487732 1501660 2324142.26

BORL 16763 15609 16073 24289 34104 47819 43817 50877 54425 58218 69994 95089 113553 145926 244422 362000 464238 519977 604871 156951 188314.62

CSBL 12158 15066 19601 25140 35602 43184 44512 39253 42611 52114 57356 65203 94048 124534 145093 162230 167593 168759 161405 77656 57678.60

CUBL 2439 2983 4206 6036 8890 10468 13605 16601 17660 20698 29218 35426 45051 55589 90163 115293 237562 266699 286012 66558 92887.85

DEL NE NE NE NE 21247 19719 26643 38416 58726 94831 99201 132875 172979 160406 128668 190123 284180 220679 191004 122646 80899.36

DHAN 1798 3421 4892 5851 12856 17809 20363 20554 24070 27786 28616 37849 39139 59717 79206 82123 91071 157663 311946 54038 73820.45

FBL 11499 16104 22747 35506 46621 58998 77573 99885 121829 153515 170523 241202 304665 381092 515086 701050 897373 1110574 1183023 323624 379516.79

HDFC NE NE NE 5800 24141 30518 33201 60274 132314 254365 375112 652427 1080989 1537435 2580250 3579549 4635183 7243051 9548386 1985812 2894605.90

ICICI NE NE NE 454 8524 8950 14536 27166 37838 97350 4297824 4970775 5342863 7225889 11179046 15125504 17557944 16963476 15119721 6123616 6842862.79

IIBL NE NE NE 1383 7206 16432 33038 47338 76394 87450 89971 129100 350427 577211 694220 772794 863932 929527 1187807 366514 404061.45

JKAL 12173 21393 26622 32867 27687 39389 60536 109561 140935 230232 316723 392770 508006 687312 893847 1047040 1162195 1375432 1518368 452794 506956.04

KAL 9117 9777 10936 15238 23588 30938 38522 44929 57951 69430 79327 113285 155365 248267 322789 416245 457883 483736 601620 167839 192419.36

KVBL 4379 5664 7486 13724 25746 31127 36212 46229 54269 74649 115545 181342 239988 259480 241387 288746 386410 354095 431126 147242 144402.01

LVBL 3594 3997 5053 9392 13023 17867 22569 24428 26759 31895 54500 66186 83834 88775 139541 142173 130781 204386 267220 70314 75189.19

NBL 0 0 0 0 0 0 0 0 2257 2257 3402 5329 9051 15790 27146 34842 43790 47426 54604 12942 18705.84

RAT 2454 3096 4189 4228 4338 5496 6450 6325 7756 10563 11666 11885 12281 18819 23144 23394 27828 38982 52844 14513 13547.19


SIBL 13978 18406 20862 24516 40455 50564 55946 65126 78963 94658 120298 163200 214235 296957 343250 389982 453098 483989 595927 185495 184742.11

TMBL 5082 6650 9926 15497 18379 20618 21877 27517 33598 45951 55855 57654 67358 86386 118701 167041 229258 298703 377996 87581 106720.78

TOTAL 95434 122166 152593 239771 364448 471452 564983 745762 1010633 1513459 6235627 7743617 9433466 13014849 19348354 26197531 32209747 36639597 39993705 10320905 13699277.49


YEAR Bank



(Rs. In Lakh)

C.V. EGR

154.77 64.32

119.98 22.82

74.27 16.45

139.56 29.65

65.96 22.69

136.61 24.74

117.27 29.42

145.76 63.44

111.75 114.60

110.24 51.69

111.96 34.08

114.65 28.88

98.07 31.22

106.93 26.81

144.54 48.49

93.35 16.15

106.98 16.50

99.59 24.31

121.85 24.32

132.73 46.95

Table 4.22 INTEREST INCOME OF PRIVATE SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D.

AXIS NE NE NE 2917 12890 15765 25561 37328 48326 88963 117953 146481 158671 192415 288879 456041 700532 1083548 1163802 283755 377068.02

BORL 11980 14299 16115 22489 29174 36507 35039 35027 39974 44243 45260 47267 50287 52236 54027 75793 104944 138361 135949 52051 37023.21

CSBL 6705 8320 10760 12616 16822 21634 23869 25476 28338 31298 33670 34701 35715 36819 36529 41605 48126 55662 57796 29814 14985.72

CUBL 2309 3083 3737 5081 7508 9850 12123 14989 17587 18494 21214 23351 27618 29067 32639 40005 59596 80440 95661 26545 26124.69

DEL NE NE NE NE 8845 12736 15067 22112 26321 38879 37738 35927 35248 30322 27714 34693 56229 64520 45897 32817 15321.27

DHAN 1778 2434 3347 5230 8427 12466 13353 14239 16315 17705 18110 18922 19107 19216 20989 24653 31249 40841 53457 17991 13028.55

FBL 13752 17835 23215 33497 42314 58750 70158 85944 88179 91917 104240 111146 119206 119103 143653 181736 251544 331538 367324 118687 100469.99

HDFC NE NE NE 1261 11556 16174 24080 37608 67987 125946 170299 202297 254893 309349 447534 688902 1011500 1633227 1617272 413743 547451.24

ICICI NE NE NE 1980 11613 19506 25970 54405 85287 124213 215193 936806 889403 940990 1430613 2299429 3078834 3109255 2570693 987137 1158315.37

IIBL NE NE NE 6153 19122 40930 55104 59356 63740 72872 71006 74295 98615 113440 118828 150026 188067 230947 270699 102075 74417.42

JKAL 19430 20703 22388 26254 32168 39958 53057 69373 88461 107650 135374 142736 152125 154923 170625 189933 243423 298812 305688 119636 92119.01

KAL 9198 10557 12217 15590 22376 33567 42992 49139 57804 65389 74324 81147 84845 83993 101804 125624 156045 191740 197597 74524 58329.01

KVBL 5051 6454 7856 12769 17349 22031 26688 33762 41803 46119 48230 51561 64763 59076 65085 86739 110640 144610 175795 54020 47049.29

LVBL 4054 4552 5808 9856 12101 14603 15499 18684 22246 25110 27150 27098 28596 29820 32206 42917 50605 65762 90932 27768 22115.20

NBL 1420 1570 1647 1755 2275 3016 3608 4265 4797 5646 6325 6738 7009 7355 9208 12316 16868 20911 22408 7323 6415.08

RAT 1166 1212 1622 1840 2253 2766 3303 4023 4941 6065 6420 6498 6517 6555 7024 7949 10729 13787 14417 5741 3929.91


SIBL 8271 10887 13786 17653 23641 27942 33869 39989 46894 54041 61547 65534 68029 70900 76133 97660 129124 168692 193572 63588 52036.88

TMBL 4829 5642 7835 11095 15026 17915 20768 24586 31182 37562 43289 47158 53766 51270 54832 63799 76100 97715 111841 40853 30764.92

TOTAL 89943 107548 130333 188036 295460 410227 505457 637165 786831 1008531 1243033 2064553 2158366 2309433 3121943 4623261 6328520 7775774 7494821 2172591 2544581.97


YEAR Bank



(Rs. In Lakh)

C.V. EGR

132.89 42.78

71.13 12.15

50.26 11.44

98.42 20.39

46.69 12.01

72.42 16.23

84.65 17.20

132.32 51.81

117.34 64.95

72.90 20.19

77.00 18.25

78.27 18.67

87.10 19.40

79.64 15.47

87.60 16.52

68.45 14.44

26.97 -3.32

81.83 16.83

75.31 17.92

117.12 29.92

Table 4.24 NON-INTEREST INCOME OF PRIVATE SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D.

AXIS NE NE NE 183 1912 2410 6090 4663 9117 16300 41587 41047 54015 41582 72964 101011 179548 289687 394578 78543 114643.79

BORL 1153 1384 2006 3198 4078 4278 4541 4362 5339 5648 9722 12642 17701 6376 5147 12401 12697 12361 12999 7265 4837.70

CSBL 574 636 1273 1077 2130 1978 3041 2434 4223 4830 9889 12518 11882 4627 4024 3551 6049 9959 7396 4847 3788.15

CUBL 300 430 578 828 1403 1819 2114 2760 3310 2893 4802 5386 6649 3344 3954 5408 9028 12369 14350 4301 3938.55

DEL NE NE NE NE 625 2470 5834 3188 6712 4878 9584 8659 8835 9128 5522 9249 17366 12013 10752 7654 4195.62

DHAN 219 310 447 868 702 1235 1459 1343 2469 2594 5876 7016 5818 1471 2191 2963 4202 7936 9099 3064 2771.48

FBL 1263 2154 2165 4239 8425 7148 9254 11298 13230 12510 22042 23443 29786 21198 21695 28668 39472 51577 53091 19087 15767.45

HDFC NE NE NE 167 1353 3159 6201 6807 12535 18553 33325 47310 48003 65134 112398 151623 228315 329061 398311 91391 124241.70

ICICI NE NE NE 888 1973 4262 8505 8903 19405 22001 57466 315883 306492 341615 418087 592916 881075 760371 747765 280475 315811.11

IIBL NE NE NE 1386 3655 8187 15483 8286 14482 11655 18437 25775 34494 25074 18882 24414 29757 45625 55348 21309 14780.98

JKAL 588 891 979 1464 2589 2974 5749 4303 10512 8078 25712 28720 30170 9614 11085 16021 24502 24506 41624 13162 12376.30

KAL 1007 1078 1466 1765 3157 3661 4786 4828 7225 8948 24102 23923 27028 22115 16680 17428 23744 35315 37871 14007 12205.73

KVBL 774 878 1331 2980 3580 3296 6557 4073 5780 5386 10471 13246 7425 11315 12060 11917 18294 26520 24698 8978 7564.26

LVBL 732 1004 1481 3047 2594 2754 3488 3859 5971 5884 8597 8423 8686 3834 3493 4580 8249 10699 10356 5144 3161.44

NBL 82 107 122 110 120 141 162 199 268 241 342 476 1307 942 1275 457 754 1037 1638 515 491.12

RAT 45 66 90 91 146 217 358 347 817 903 2678 1936 1186 501 636 464 873 1567 1322 750 719.11


SIBL 957 1337 3308 2459 2361 2212 2604 3690 7456 7253 13854 18239 23514 10238 7227 10316 14258 16427 20846 8871 7118.42

TMBL 1009 1525 1914 2211 3217 3706 3900 4201 4997 5115 6246 5937 6790 6795 7802 8285 13070 13584 17280 6189 4360.71

TOTAL 8703 11800 17160 26961 44020 56373 91400 80862 135501 144658 306338 601836 631827 585830 726167 1002058 1512633 1660921 1859908 500261 602837.70


YEAR Bank



(Rs. In Lakh)

C.V. EGR

145.96 52.68

66.59 13.66

78.16 15.67

91.57 20.20

54.81 16.91

90.45 18.53

82.61 20.80

135.95 56.39

112.60 66.80

69.37 19.19

94.03 24.57

87.14 23.99

84.25 19.40

61.46 12.22

95.41 15.82

95.93 20.35

47.59 -4.45

80.24 17.21

70.46 13.61

120.50 36.98

Table 4.20 TOTAL INCOME OF PRIVATE SECTOR BANKS IN INDIA (Rs. In Lakh)

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 3101 14802 18175 31651 41991 57443 105263 159540 187528 212686 233997 361843 557052 880080 1373235 1558380 362298 490459.49 135.37

BORL 13133 15683 18121 25687 33252 40786 39580 39389 45312 49891 54981 59909 67988 58612 59174 88194 117641 150722 148948 59316 40605.44 68.46

CSBL 7279 8956 12033 13693 18953 23612 26910 27910 32561 36128 43559 47219 47597 41446 40553 45156 54175 65621 65192 34661 17810.45 51.39

CUBL 2609 3513 4315 5909 8911 11669 14237 17749 20897 21387 26016 28737 34267 32411 36593 45413 68624 92809 110011 30846 29977.55 97.18

DEL NE NE NE NE 9471 15206 20900 25300 33033 43757 47323 44586 44083 39450 33236 43942 73595 76533 56649 40471 19049.53 47.07

DHAN 1997 2743 3794 6098 9129 13700 14812 15581 18784 20298 23986 25938 24925 20687 23180 27616 35451 48777 62556 21055 15427.94 73.27

FBL 15015 19989 25380 37736 50739 65898 79412 97242 101409 104427 126281 134589 148992 140301 165348 210404 291016 383115 420414 137774 115873.10 84.10

HDFC NE NE NE 1428 12909 19333 30281 44415 80522 144499 203624 249607 302896 374483 559932 840525 1239815 1962288 2015583 505134 671033.06 132.84

ICICI NE NE NE 2869 13586 23767 34475 63309 104692 146214 272659 1252688 1195895 1282605 1848700 2892345 3959909 3869626 3318458 1267612 1471915.93 116.12

IIBL NE NE NE 7539 22777 49117 70588 67642 78223 84527 89443 100070 133109 138514 137710 174440 217824 276572 326047 123384 88238.36 71.52

JKAL 20018 21594 23368 27718 34757 42932 58806 73676 98972 115728 161086 171456 182295 164537 181710 205954 267925 323318 347311 132798 102811.94 77.42

KAL 10205 11635 13683 17355 25533 37227 47778 53967 65029 74337 98426 105070 111873 106108 118484 143052 179789 227055 235468 88530 69573.59 78.59

KVBL 5825 7332 9186 15749 20929 25327 33244 37836 47583 51505 58701 64807 72188 70391 77145 98656 128934 171130 200492 62998 54339.40 86.26

LVBL 4787 5556 7290 12902 14696 17357 18988 22543 28217 30993 35748 35521 37282 33654 35699 47497 58854 76461 101288 32912 24717.20 75.10

NBL 1502 1677 1769 1866 2395 3158 3770 4464 5065 5888 6666 7214 8316 8297 10483 12773 17622 21948 24047 7838 6801.37 86.78

RAT 1211 1278 1712 1931 2399 2984 3661 4370 5758 6968 9098 8434 7703 7056 7660 8413 11602 15354 15739 6491 4400.90 67.80

SBI COM NE NE NE NE NA 4577 6623 8178 8302 7407 7296 6147 5999 3511 4666 3827 5745 5713 4605 5900 1538.88 26.08

SIBL 9228 12224 17094 20113 26002 30154 36473 43679 54349 61294 75401 83773 91543 81138 83360 107976 143382 185119 214418 72459 57632.39 79.54

TMBL 5838 7167 9749 13305 18243 21621 24667 28786 36179 42677 49535 53095 60556 58065 62634 72084 89170 111299 129120 47042 35056.35 74.52

TOTAL 98647 119347 147494 214999 339483 466600 596856 718027 922330 1153188 1549369 2666388 2790193 2895263 3848110 5625319 7841153 9436695 9354726 2672852 3143904.95 117.62


YEAR Bank



(Rs. In Lakh)

EGR

44.14

12.40

11.99

20.39

12.59

16.61

17.63

52.46

65.15

20.05

18.69

19.40

19.40

15.01

16.53

14.95

-3.16

16.92

17.25

30.94

Table 4.28 INTEREST EXPENDED BY PRIVATE SECTOR BANKS IN INDIA (Rs. In Lakh)

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 1410 10133 12207 22219 30063 39286 79136 98000 114241 102145 119298 181056 299332 441996 714928 663353 183050 229428.33 125.34

BORL 7103 10079 10817 13523 20145 26627 26919 28575 30614 30930 32333 29183 31302 30891 31706 43940 73560 99845 102448 35818 27150.91 75.80

CSBL 4188 6088 7438 8870 12143 16493 18948 20914 22029 23166 25604 25758 23494 22200 21835 25151 31718 39089 45515 21086 10690.49 50.70

CUBL 1326 1980 2509 3305 5056 7243 9726 12345 12918 13133 15755 16711 17993 17983 18661 23255 39618 56183 67847 18081 18056.12 99.86

DEL NE NE NE NE 4273 8058 11477 16732 20675 30186 28631 28782 25687 23352 20196 22738 38837 44795 31742 23744 10946.10 46.10

DHAN 1059 1619 2182 3483 5849 9620 10128 11255 12341 13733 13863 13596 12169 11906 12689 14977 21350 28679 39402 12626 9343.75 74.00

FBL 8442 13527 15875 22343 31687 47208 56372 77157 70145 68219 76615 77228 77029 68874 83673 108496 164742 199992 226240 78624 60135.97 76.49

HDFC NE NE NE 477 7084 8718 13755 22918 37428 75375 107374 119196 121105 131556 192950 317945 488712 891110 778630 207146 277678.83 134.05

ICICI NE NE NE 1323 8492 12946 18668 42552 66695 83767 155892 794400 701525 657089 959745 1635850 2348424 2272594 1759257 719951 843474.84 117.16

IIBL NE NE NE 3715 13420 31008 42903 47881 50112 56946 54723 55848 66925 71890 87319 122885 157986 185044 182058 76916 56104.98 72.94

JKAL 8705 11901 12766 14062 18120 25232 32885 43094 59822 71961 91539 90095 90136 95299 104252 113148 162379 198786 193754 75681 60190.32 79.53

KAL 5964 7086 8580 9845 14596 21660 29163 37529 46383 50189 60276 65661 63477 52305 65207 83639 110170 144383 170779 55100 46122.38 83.71

KVBL 3037 4460 5018 8521 12233 14345 18404 24691 28100 30574 31773 34655 35042 33407 36796 52029 76536 103568 119305 35394 32305.59 91.27

LVBL 2280 3073 3645 6389 8391 10472 11329 14343 16252 18454 20973 20276 20252 19154 21657 29919 38192 50407 66019 20078 16463.00 82.00

NBL 805 1019 1156 1134 1331 1797 2247 2566 2870 3432 3761 3897 3701 3648 4027 5548 9300 11640 13059 4049 3537.57 87.36

RAT 683 884 1019 1191 1506 1817 2249 2799 3535 4234 4445 4506 4289 3875 4021 4244 5238 7444 8525 3500 2147.22 61.35

SBI COM NE NE NE NE NA 3552 4584 6035 5246 5650 5143 3626 2604 1653 1899 2271 3587 3606 3274 3766 1396.54 37.08

SIBL 5200 8001 9799 12405 15977 21542 26145 31178 35072 39094 46019 47942 48005 45207 45114 60909 91510 116404 136743 44330 35954.41 81.11

TMBL 2326 3315 4598 6481 8846 10775 13696 17356 22336 25484 28948 30242 32196 28157 30232 34221 49880 64343 74385 25675 20020.44 77.98

TOTAL 51118 73032 85402 118477 199282 291320 371817 489983 581859 723663 901667 1575843 1479076 1437744 1923035 3000497 4353735 5232840 4682335 1451196 1664915.67 114.73


YEAR Bank



(Rs. In Lakh)

EGR

41.43

11.80

10.71

20.15

12.96

16.06

15.87

50.64

65.46

21.12

19.68

19.21

18.98

16.44

13.99

13.04

-5.99

16.34

18.42

30.15

Table 4.30 OPERATING EXPENSES BY PRIVATE SECTOR BANKS IN INDIA (Rs. In Lakh)

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean S.D.

AXIS NE NE NE 785 1834 2641 3976 5103 6540 12876 20547 32285 41921 58136 81405 121460 215492 285821 370972 78862 113866.96

BORL 3885 4412 4909 6280 7346 8902 9779 11930 12862 13190 14507 15868 18157 19474 25507 25074 26952 31502 49290 16307 11438.75

CSBL 2296 2622 3099 3894 4834 5719 6030 6491 7977 8095 8912 10284 11778 11388 15021 13740 15111 18650 18907 9203 5234.77

CUBL 749 949 1153 1240 1692 2060 2375 2915 3073 3305 3755 3993 4495 6261 7018 9010 10991 13952 16585 5030 4568.10

DEL NE NE NE NE 2375 3989 4352 5572 6060 7169 8347 9833 13002 16511 15008 17180 23799 24202 20081 11832 7287.51

DHAN 857 938 1102 1416 2061 2433 2791 2996 3432 4861 5064 5990 6061 6936 8181 8775 9654 11306 19286 5481 4592.57

FBL 3789 4424 5238 7628 10511 11277 13766 15147 17715 17504 19126 22212 28290 31386 36457 40608 46862 57145 67689 24041 18380.65

HDFC NE NE NE 595 2267 4218 6271 8879 17139 30959 41795 59183 81000 108540 169109 242080 374562 553282 593980 143366 197070.83

ICICI NE NE NE 1224 2745 4049 5761 8297 15331 33429 62258 201169 257123 329914 500115 669056 815417 704509 585983 262274 296933.78

IIBL NE NE NE 916 2750 5615 7574 8715 9024 10307 9472 11792 21713 26503 31662 34395 40220 54702 73600 21810 20599.59

JKAL 3702 4114 4671 6796 6878 7778 9804 13390 15942 16487 23422 25988 29317 32280 34526 37244 40360 47086 57737 21975 16188.18

KAL 2635 2851 3305 4452 5523 7165 8406 9212 10565 10541 13062 14072 15416 19732 20450 23755 30558 34652 38605 14471 10877.94

KVBL 1677 1916 2398 3009 4368 5170 6526 6979 8573 9876 10753 10410 15690 17062 17485 19248 21623 25759 34865 11757 9089.55

LVBL 1576 1824 2180 2768 3922 4618 4866 5777 6420 6532 7038 7240 7930 9028 10050 10221 11645 15169 18648 7234 4513.94

NBL 452 499 563 658 855 922 998 1111 1345 1481 1691 2159 2553 2538 3665 3389 3225 3894 4479 1920 1291.21

RAT 338 372 448 504 688 898 952 1138 1494 1694 2131 1906 2023 2223 2341 3217 2976 3327 3870 1713 1092.93


SIBL 2962 3435 3911 4991 6267 6424 7337 8983 11250 11503 12091 14184 19341 18708 22605 21885 24807 32846 36618 14218 9972.70

TMBL 1633 2007 2405 3135 3744 4417 4582 5508 6581 6982 8534 9281 11371 12489 12969 14743 16850 20427 23145 8990 6370.23

TOTAL 26551 30363 35382 50291 70660 88854 106746 128891 162126 207705 273349 458733 587977 729875 1014339 1316019 1732025 1939188 2035336 578653 690455.27


YEAR Bank



(Rs. In Lakh)

C.V. EGR

144.39 49.73

70.15 12.73

56.88 12.31

90.82 17.09

61.59 18.20

83.79 16.52

76.46 16.11

137.46 55.26

113.22 65.18

94.45 26.01

73.67 17.00

75.17 15.81

77.31 17.11

62.40 12.54

67.26 12.94

63.82 14.87

15.71 3.19

70.14 14.51

70.86 15.12

119.32 30.47

Table 4.26 TOTAL EXPENDITURE BY PRIVATE SECTOR BANKS IN INDIA

1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 Mean

AXIS NE NE NE 2195 11966 14849 26195 35166 45826 92013 118547 146526 144066 177434 262461 420792 657488 1000749 1034325 261912

BORL 10988 14491 15726 19803 27491 35529 36698 40505 43476 44120 46840 45051 49459 50365 57213 69014 100512 131347 151738 52125

CSBL 6484 8710 10537 12764 16976 22212 24978 27406 30006 31261 34516 36042 35272 33588 36856 38891 46829 57739 64422 30289

CUBL 2076 2929 3662 4545 6748 9302 12101 15260 15992 16439 19510 20704 22488 24244 25679 32265 50609 70135 84432 23112

DEL NE NE NE NE 6648 12047 15829 22304 26735 37354 36977 38615 38689 39863 35204 39918 62636 68997 51823 35576

DHAN 1916 2557 3284 4900 7909 12053 12920 14250 15772 18594 18927 19586 18230 18842 20870 23752 31004 39985 58688 18107

FBL 12230 17951 21112 29971 42198 58485 70138 92303 87860 85723 95741 99440 105319 100260 120130 149104 211604 257137 293929 102665

HDFC NE NE NE 1071 9350 12936 20026 31797 54567 106334 149169 178379 202105 240096 362059 560025 863274 1444392 1372610 350512

ICICI NE NE NE 2547 11236 16995 24429 50849 82026 117197 218150 995569 958648 987003 1459860 2304906 3163841 2977103 2345240 982225

IIBL NE NE NE 4631 16170 36622 50477 56597 59137 67253 64195 67639 88638 98393 118981 157280 198206 239746 255658 98726

JKAL 12407 16015 17438 20858 24998 33010 42689 56484 75764 88448 114961 116083 119453 127579 138778 150392 202739 245872 251491 97656

KAL 8599 9937 11885 14297 20118 28825 37569 46741 56948 60730 73338 79733 78893 72037 85657 107394 140728 179035 209384 69571

KVBL 4713 6377 7416 11530 16601 19514 24930 31671 36673 40450 42526 45064 50732 50469 54281 71277 98159 129327 154170 47152

LVBL 3856 4898 5825 9157 12313 15089 16194 20120 22673 24986 28011 27516 28182 28182 31707 40140 49837 65576 84667 27312

NBL 1256 1518 1719 1792 2186 2720 3246 3677 4215 4913 5452 6055 6254 6186 7692 8937 12525 15534 17538 5969

RAT 1021 1256 1468 1695 2194 2715 3201 3937 5028 5928 6576 6412 6312 6098 6362 7461 8214 10771 12395 5213


SIBL 8162 11436 13711 17396 22244 27967 33482 40161 46322 50597 58111 62126 67346 63915 67719 82794 116317 149250 173361 58548

TMBL 3959 5322 7003 9615 12590 15191 18278 22864 28917 32465 37482 39523 43567 40646 43201 48964 66730 84770 97530 34664

TOTAL 77667 103397 120786 168767 269936 380172 478564 618874 743986 931369 1175015 2034573 2067053 2167619 2937374 4316516 6085760 7172028 6717671 2029849


YEAR Bank



(Rs. In Lakh)

S.D. C.V. EGR

341820.45 130.51 43.15

37868.06 72.65 12.18

15644.58 51.65 11.21

22543.44 97.54 19.31

17339.65 48.74 14.65

13785.92 76.13 16.09

77965.09 75.94 15.93

473501.95 135.09 51.99

1135391.50 115.59 64.96

76024.99 77.01 22.08

76070.72 77.90 19.01

56783.46 81.62 18.37

41087.09 87.14 18.49

20906.57 76.55 15.22

4712.59 78.95 13.90

3200.23 61.39 13.67

1392.86 30.36 -4.35

45601.96 77.89 15.84

26271.38 75.79 17.37

2349683.37 115.76 30.23

Table 4.2 BRANCH EXPANSION IN PRIVATE SECTOR BANKS IN INDIA

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 NE 7 12 24 35 49 86 110 140 190 247 349 491 626 786 978 258 305.62 118.26

BORL 278 280 281 282 296 295 302 304 312 309 310 335 351 369 383 438 458 458 458 342 65.72 19.21

CSBL 230 233 251 267 276 277 278 283 283 284 284 289 294 300 312 330 346 360 360 291 37.06 12.72

CUBL 88 90 88 99 98 100 100 102 108 111 120 123 129 136 141 163 182 209 224 127 40.52 31.94

DEL NE NE NE NE 50 51 51 53 55 58 61 63 65 67 68 68 77 81 82 63 10.69 16.88

DHAN 126 128 132 132 140 145 147 149 151 155 159 163 169 173 178 181 181 181 268 161 31.91 19.82

FBL 339 341 351 356 360 377 395 400 404 411 413 420 434 454 466 531 601 611 671 439 97.16 22.15

HDFC NE NE NE 4 6 15 33 57 111 131 171 201 240 446 515 639 745 1408 1715 402 511.44 127.14

ICICI NE NE NE 9 11 22 33 55 81 354 358 446 489 508 557 703 1249 1409 1699 499 530.02 106.22

IIBL NE NE NE 7 9 18 21 26 27 32 40 53 88 116 137 172 182 182 214 83 72.92 88.10

JKAL 305 307 310 313 318 324 332 347 358 370 383 398 412 424 435 445 480 491 491 381 65.18 17.10

KAL 266 268 280 282 297 306 324 338 349 352 356 366 374 386 400 415 436 451 469 354 61.98 17.53

KVBL 158 160 168 175 180 193 199 201 204 208 212 214 228 233 243 268 274 310 337 219 49.21 22.45

LVBL 173 175 182 188 192 200 200 207 202 210 212 217 219 222 223 231 236 247 266 211 24.13 11.45

NBL 48 49 50 51 51 51 51 53 55 58 61 63 65 68 79 80 87 92 101 64 16.30 25.53

RAT 62 58 58 59 62 64 67 69 69 71 71 73 73 74 77 78 79 84 88 70 8.60 12.23

SBI COM NE NE NE NE 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 0.00 0.00

SIBL 307 311 317 332 348 350 354 360 365 372 380 393 408 422 424 466 489 519 572 394 72.99 18.52

TMBL 117 123 133 139 141 143 142 144 157 160 162 166 171 173 174 184 201 214 217 161 28.40 17.64

TOTAL 2497 2524 2602 2694 2843 2944 3055 3185 3342 3733 3866 4126 4401 4820 5163 5885 6931 8095 9212 4371 1941.00 44.41

YEAR Bank


NE stands for non -existent.Note: NA stands for not available.

EGR

43.41

3.01

2.11

4.59

3.69

2.35

3.18

47.18

44.36

27.07

3.00

3.11

3.49

1.87

5.96

2.05

0.00

2.82

2.99

6.82

Documents

OPERATIONAL PERFORMANCE OF PUBLIC AND PRIVATE …shodhganga.inflibnet.ac.in/bitstream/10603/13574/11/11_chapter 4.p… · Jammu & Kashmir Bank (305). The minimum number of branches