Annexure:1 List of Sample Banks -...

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Annexure:1 List of Sample Banks S.No Public Sector S.No Private Sector S.No Foreign Banks 1 Allahabad Bank (ALL BANK) 1 Bank of Rajasthan Ltd.(B.RAJ) 1 ABN-AMRO Bank N.V.(ABN) 2 Andhra Bank(AB) 2 Catholic Syrian Bank Ltd.(CSB) 2 Abu Dhabi Commercial Bank Ltd(ABUDHABI) 3 Bank of Baroda(BOB) 3 City Union Bank Ltd.(CUB) 3 Bank of Bahrain and Kuwait B.S.C.(BBK) 4 Bank of India(BOI) 4 Dhanalakshmi Bank Ltd.(DHAN BK) 4 Citibank N.A.(CITI) 5 Bank of Maharashtra(BOM) 5 Federal Bank Ltd(FED BK). 5 Deutsche Bank AG(DEUTCH) 6 Canara Bank (CAN BK) 6 Jammu and Kashmir Bank Ltd.(J & K) 6 DBS Bank Ltd. 7 Central Bank of India(CBI) 7 Karnataka Bank Ltd. (KAR BK) 7 HSBC Ltd. 8 Corporation Bank(CORP BK) 8 Karur Vysya Bank Ltd.(KVB) 8 Standard Chartered Bank(SCB) 9 Dena Bank(DEN BK) 9 Lakshmi Vilas Bank Ltd.(LVB) 9 State Bank of Mauritius Ltd.(SBMAUR) 10 Indian Bank(IB) 10 South Indian Bank Ltd.(SIB) 11 Indian Overseas Bank(IOB) 11 Tamilnad Mercantile Bank Ltd.(TMC) 12 Oriental Bank of Commerce(OBC) 12 Development Credit Bank Ltd.(DCV) 13 Punjab National Bank(PNB) 13 HDFC Bank Ltd. 14 Syndicate Bank (SYN BK) 14 ICICI Bank Ltd. 15 UCO Bank 15 IndusInd Bank Ltd(INDUS). 16 Union Bank of India(UN BK) 17 United Bank of India(UNT BK) 18 Vijaya Bank(VB) 19 State Bank of India(SBI) 20 State Bank of Bikaner and Jaipur(SB BEJ) 21 State Bank of Hyderabad(SBH) 22 State Bank of Indore(SB INDR) 23 State Bank of Mysore(SB MY) 24 State Bank of Patiala(SBP) 25 State Bank of Travancore(SBT)

Transcript of Annexure:1 List of Sample Banks -...

Page 1: Annexure:1 List of Sample Banks - INFLIBNETshodhganga.inflibnet.ac.in/bitstream/10603/4568/15/15...Annexure:1 List of Sample Banks S.No Public Sector S.No Private Sector S.No Foreign

Annexure:1 List of Sample Banks

S.No Public Sector S.No Private Sector S.No Foreign Banks

1 Allahabad Bank

(ALL BANK) 1

Bank of Rajasthan Ltd.(B.RAJ)

1 ABN-AMRO Bank

N.V.(ABN)

2 Andhra Bank(AB) 2 Catholic Syrian Bank

Ltd.(CSB) 2

Abu Dhabi Commercial Bank Ltd(ABUDHABI)

3 Bank of Baroda(BOB) 3 City Union Bank Ltd.(CUB) 3 Bank of Bahrain and Kuwait B.S.C.(BBK)

4 Bank of India(BOI) 4 Dhanalakshmi Bank

Ltd.(DHAN BK) 4 Citibank N.A.(CITI)

5 Bank of

Maharashtra(BOM) 5 Federal Bank Ltd(FED BK). 5

Deutsche Bank AG(DEUTCH)

6 Canara Bank

(CAN BK) 6

Jammu and Kashmir Bank Ltd.(J & K)

6 DBS Bank Ltd.

7 Central Bank of

India(CBI) 7

Karnataka Bank Ltd. (KAR BK)

7 HSBC Ltd.

8 Corporation

Bank(CORP BK) 8 Karur Vysya Bank Ltd.(KVB) 8

Standard Chartered Bank(SCB)

9 Dena Bank(DEN BK) 9 Lakshmi Vilas Bank

Ltd.(LVB) 9

State Bank of Mauritius Ltd.(SBMAUR)

10 Indian Bank(IB) 10 South Indian Bank Ltd.(SIB)

11 Indian Overseas

Bank(IOB) 11

Tamilnad Mercantile Bank Ltd.(TMC)

12 Oriental Bank of Commerce(OBC)

12 Development Credit Bank

Ltd.(DCV)

13 Punjab National

Bank(PNB) 13 HDFC Bank Ltd.

14 Syndicate Bank

(SYN BK) 14 ICICI Bank Ltd.

15 UCO Bank 15 IndusInd Bank Ltd(INDUS).

16 Union Bank of India(UN BK)

17 United Bank of India(UNT BK)

18 Vijaya Bank(VB)

19 State Bank of

India(SBI)

20 State Bank of Bikaner and Jaipur(SB BEJ)

21 State Bank of

Hyderabad(SBH)

22 State Bank of

Indore(SB INDR)

23 State Bank of

Mysore(SB MY)

24 State Bank of Patiala(SBP)

25 State Bank of

Travancore(SBT)

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Annexure 2: NET NPA TO TOTAL ADVANCES -Public Sector Banks

Name of the bank

1995-96

1996-97

1997-98

1998-99

1999-00

2000-01

2001-02

Ist means

Ist medians

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

IInd means

IInd medians

overall means

overall medians

Allahabad Bank 16 14.84 15.09 12.54 12.17 11.21 10.55 2.238333 1.28 7.07 2.37 1.28 0.84 1.07 0.8 2.238333 1.175 7.289889 7.07

Andhra Bank 3.29 4.1 2.92 4.26 3.47 2.95 2.45 0.593333 0.28 1.79 0.93 0.28 0.24 0.17 0.15 0.593333 0.26 1.858222 1.79

Bank of Baroda 8.15 7.53 6.6 7.7 6.95 6.77 5.68 2.191667 1.45 4.81 4.95 1.45 0.87 0.6 0.47 2.191667 1.16 4.411444 4.95

Bank of India 7 6.93 7.34 7.29 8.61 6.72 6.01 2.601667 2.601667 5.36 4.49 2.8 1.49 0.95 0.52 2.601667 2.145 4.714222 5.36

Bank of Maharashtra 9.39 9.66 8.59 8.72 6.97 7.41 5.81 2.258333 2.15 4.83 2.46 2.15 2.03 1.21 0.87 2.258333 2.09 4.967222 4.83

Canara Bank 7.45 9.32 7.52 7.09 5.28 4.84 3.89 1.876667 1.876667 3.59 2.89 1.88 1.12 0.94 0.84 1.876667 1.5 4.026889 3.59

Central Bank of India

13.49 14.4 12.21 9.79 9.84 9.72 7.98 3.505 2.98 6.74 5.57 2.98 2.59 1.7 1.45 3.505 2.785 6.996333 6.74

Corporation Bank 2.26 3.63 2.93 1.98 1.91 1.98 2.31 1 1 1.65 1.8 1.12 0.64 0.47 0.32 1 0.88 1.666667 1.8

Dena Bank 7.3 9.38 8.28 7.67 13.81 18.29 16.31 5.403333 5.23 11.82 9.4 5.23 3.04 1.99 0.94 5.403333 4.135 8.272889 7.67

Indian Bank 23.87 25.24 26.01 21.67 16.18 10.07 8.28 1.931667 1.35 6.15 2.71 1.35 0.79 0.35 0.24 1.931667 1.07 9.746111 6.15

Indian Overseas Bank

8.57 7.64 6.26 7.3 7.65 7.01 6.32 1.858333 1.27 5.23 2.85 1.27 0.65 0.55 0.6 1.858333 0.96 4.335222 5.23

Oriental Bank of Commerce

3.6 5.64 4.5 4.5 3.61 3.59 3.21 0.783333 0.783333 1.44 0 1.29 0.49 0.49 0.99 0.783333 0.74 2.327778 1.44

Punjab National Bank

12.7 10.38 9.57 8.96 8.52 6.69 5.27 1.111667 0.76 3.8 0.98 0.2 0.29 0.76 0.64 1.111667 0.7 4.708778 3.8

Syndicate Bank 8.39 7.53 5.78 3.93 3.17 4.05 4.53 1.84 1.59 4.29 2.57 1.59 0.86 0.76 0.97 1.84 1.28 3.456667 3.17

UCO Bank 11.43 13.73 11.14 10.83 8.75 6.35 5.65 2.863333 2.863333 4.38 3.65 2.93 2.1 2.14 1.98 2.863333 2.535 6.052444 4.38

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Union Bank of India 5.94 6.98 7.66 8.7 7.97 6.86 6.26 18.025 2.87 4.91 2.87 2.64 1.56 9.6 0.17 18.025 2.755 11.961 6.26

United Bank of India 23.28 19.2 14.1 15.06 12.85 10.47 7.94 2.708333 2.43 5.52 3.75 2.43 1.95 1.5 1.1 2.708333 2.19 8.285889 5.52

Vijaya Bank 11.9 9.56 7.6 6.72 6.62 6.22 6.02 1.02 0.85 2.61 0.91 0.59 0.85 0.59 0.57 1.02 0.72 4.175333 2.61

State Bank of India 6.61 7.3 6.07 7.18 6.41 6.03 5.64 2.633333 2.633333 4.49 3.45 2.65 1.87 1.56 1.78 2.633333 2.26 4.420444 4.49

State Bank of Bikaner and Jaipur

6.11 7.96 7.13 10.45 10.14 7.83 5.77 1.685 1.24 4.16 1.24 1.61 1.18 1.09 0.83 1.685 1.21 4.561667 4.16

State Bank of Hyderabad

9.94 11.42 10.88 8.78 7.3 7.83 4.96 0.876667 0.61 3.26 0.65 0.61 0.36 0.22 0.16 0.876667 0.485 4.523778 3.26

State Bank of Indore 9.62 11.29 10.96 10.1 7.55 5.91 3.58 1.21 1.04 2.66 0 1 1.83 1.04 0.73 1.21 1.02 4.568 2.66

State Bank of Mysore 8.59 10.96 10.75 10.55 8.12 7.65 7.36 1.781667 0.92 5.19 2.96 0.92 0.74 0.45 0.43 1.781667 0.83 5.158111 5.19

State Bank of Patiala 6.6 5.88 7.04 8.23 6.09 4.92 2.94 0.856667 0.856667 1.49 0 1.23 0.99 0.83 0.6 0.856667 0.91 3.236889 1.49

State Bank of Travancore

7.38 8.82 12.21 10.8 8.8 7.75 5.72 1.743333 1.743333 3.05 1.39 1.81 1.47 1.8 0.94 1.743333 1.635 5.028444 3.05

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NET NPA TO TOTAL ADVANCES -Private Sector Banks

Name of the bank

1995-96

1996-97

1997-98

1998-99

1999-00

2000-01

2001-02

Ist means

Ist medians

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

IInd means

IInd medians

overall means

overall medians

Bank of Rajasthan Ltd. 4.4 8.82 9.14 3.98 4.28 3.27 8.86 2.323333 2.323333 6.8 2.99 2.5 0.99 0.24 0.42 2.323333 1.745 4.089111 3.27

Catholic Syrian Bank Ltd.

5.13 5.87 11.27 6.08 4.88 4.22 9.91 3.785 3.785 7.89 4.65 3.8 2.78 1.98 1.61 3.785 3.29 5.176 4.65

City Union Bank Ltd. 4.49 5.3 7.54 3.75 3.62 3.94 8.2 3.653333 3.37 8.16 6.37 3.37 1.95 1.09 0.98 3.653333 2.66 4.385556 3.75

Dhanalakshmi Bank Ltd. 1.82 4.51 11.01 5.45 5.38 5.87 11.94 4.293333 3.92 9.71 7.06 3.92 2.44 1.75 0.88 4.293333 3.18 5.330222 4.51

Federal Bank Ltd. 3.94 7.16 5.28 3.94 4.54 5.55 8.59 1.945 1.945 4.95 2.89 2.21 0.95 0.44 0.23 1.945 1.58 3.637333 3.94

Jammu and Kashmir Bank Ltd.

5.09 6.03 4.57 1.49 1.07 0.92 1.88 1.268333 1.268333 1.59 1.49 1.41 0.92 1.13 1.07 1.268333 1.27 2.079778 1.41

Karnataka Bank Ltd. 2.37 3.12 3.06 2.09 2.44 2.93 5.88 2.998333 2.29 7.34 4.98 2.29 1.18 1.22 0.98 2.998333 1.755 3.011222 2.44

Karur Vysya Bank Ltd. 0.86 1.2 1.87 1.49 1.07 0.92 6.3 1.56 1.56 4.16 2.32 1.66 0.81 0.23 0.18 1.56 1.235 1.746 1.49

Lakshmi Vilas Bank Ltd. 2.19 4.66 6.07 2 1.81 2.52 9.1 3.751667 3.751667 7.11 5.4 4.98 1.89 1.58 1.55 3.751667 3.435 3.890889 3.751667

South Indian Bank Ltd. 4.94 5.87 6.16 5.12 3.92 3.36 6.87 2.915 2.915 5.96 4.55 3.81 1.86 0.98 0.33 2.915 2.835 3.970667 3.92

Tamilnad Mercantile Bank Ltd.

3.33 3.45 5.37 2.24 2.34 2.58 6.63 3.356667 2.95 8.66 5 2.95 2.17 0.98 0.38 3.356667 2.56 3.492444 2.95

Development Credit Bank Ltd.

5.24 5.93 5.02 2.07 2.88 3.19 6.61 4.295 4.5 7.76 4.87 6.34 4.5 1.64 0.66 4.295 4.685 4.367 4.5

HDFC Bank Ltd. 0 0 1.24 0.11 0.32 0.13 0.5 0.351667 0.37 0.37 0.16 0.24 0.44 0.43 0.47 0.351667 0.4 0.342111 0.351667

ICICI Bank Ltd. 0 1.73 1.14 0.87 0.46 0.78 5.48 2.06 1.65 5.21 2.21 1.65 0.72 1.02 1.55 2.06 1.6 1.768667 1.55

IndusInd Bank Ltd. 0 2.08 3.96 3.11 2.75 2.57 6.59 2.751667 2.71 4.25 2.72 2.71 2.09 2.47 2.27 2.751667 2.59 2.868778 2.71

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NET NPA TO TOTAL ADVANCES –FOREIGN BANKS

Name of the bank

1995-96

1996-97

1997-98

1998-99

1999-00

2000-01

2001-02

Ist means

Ist medians

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

IInd means

IInd median

s

overall means

overall medians

ABN-AMRO Bank N.V.

0.05 1.15 0.42 0.45 0.31 1.22 1.34 0.65 0.65 1.59 0.88 0.35 0.11 0.12 0.85 0.65 0.6 0.676 0.65

Abu Dhabi Commercial Bank Ltd.

3.78 1.71 5.94 3.59 2.12 1.92 13.43 11.065 11.065 9.67 27.39 12.73 15.97 0.63 0 11.065 11.2 8.067333 5.94

Bank of Bahrain and Kuwait B.S.C.

3.18 9.75 15.22 11.17 7.72 11.51 11.4 6.24 5.53 11.26 17.73 5.53 1.29 0.12 1.51 6.24 3.52 7.944 7.72

Citibank N.A. 0.08 0.63 0.57 2.08 1.05 0.71 0.4 1.128333 1.128333 1.17 1.4 1 0.95 1.02 1.23 1.128333 1.095 0.969778 1.02

Deutsche Bank AG 0 1.77 1.28 1.31 5.33 1.23 0.38 0.038333 0 0 0 0 0 0.01 0.22 0.038333 0 0.771222 0.038333

DBS Bank Ltd. 0 0 0 0 0 0 0 1.736667 0 10.37 0 0 0 0 0.05 1.736667 0 0.810444 0

HSBC Ltd. 0.51 1.79 1.99 0.91 1.04 0.96 2.27 0.636667 0.58 1.03 0.7 0.5 0.58 0.43 0.58 0.636667 0.58 0.967111 0.7

Standard Chartered Bank

3.3 2.88 2.42 3.18 2.04 1.53 0.4 0.998333 1.04 0.31 0.52 1.12 1.57 1.43 1.04 0.998333 1.08 1.585222 1.43

State Bank of Mauritius Ltd.

10.35 33 1.79 10.76 8.06 16.18 14.02 4.138333 4.08 14.2 4.64 4.08 1.91 0 0 4.138333 2.995 8.480556 4.64

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ANNEXURE 3: NET INTEREST MARGIN TO TOTAL ASSETS-Public Sector Banks

Name of the Bank

1995-96

1996-97

1997-98

1998-99

1999-2000

2000-01

2001-02

I means

I median

2002-03

2003-04

2004-05

2005-06

2006-07 2007-08 II nd

means

II meadian

s

overall means

overall medians

Allahabad Bank

2.67 3.05 2.88 2.82 2.86 3.09 2.95 3.00 2.98 3.24 3.13 3.02 2.85 2.59 2.15 2.83 2.94 2.885222 2.95

Andhra Bank

3.03 2.98 3.37 2.91 2.68 2.45 2.75 3.10 3.03 3.05 3.37 3.27 2.87 2.98 2.51 3.01 3.02 2.956648 2.98

Bank of Baroda

3.68 3.21 2.91 3.01 2.85 3.06 2.65 2.87 2.79 2.75 3.02 3.15 2.80 2.50 2.18 2.73 2.78 2.895259 2.871389

Bank of India

2.88 3 2.77 2.61 2.33 2.78 2.62 2.47 2.43 2.67 2.59 2.36 2.34 2.43 2.36 2.46 2.40 2.575704 2.59

Bank of Maharashtr

a 3.59 3.67 3.5 3.29 3.07 2.93 2.73 2.72 2.70 2.72 2.38 2.68 3.11 2.80 2.55 2.71 2.70 2.96263 2.8

Canara Bank

3.33 3.19 2.49 3.17 2.64 2.83 2.52 2.73 2.75 2.76 2.76 2.86 2.70 2.43 1.96 2.58 2.73 2.741093 2.745

Central Bank of

India 3.15 3.17 3.11 2.97 2.96 3.07 2.92 3.26 3.29 3.32 3.35 3.46 3.19 2.66 1.79 2.96 3.26 3.044241 3.15

Corporation Bank

3.74 3.87 3.46 2.49 2.73 2.95 2.65 3.10 3.03 3.02 3.31 3.33 3.03 2.48 2.17 2.89 3.03 3.023889 3.0275

Dena Bank 3.64 3.85 3.48 2.97 2.46 2.51 2.35 2.75 2.72 2.82 2.67 2.86 2.72 2.72 2.31 2.68 2.72 2.855037 2.72

Indian Bank 0.52 0.71 0.57 0.92 1.61 1.84 1.75 2.85 2.90 2.32 2.85 2.97 3.17 3.17 2.82 2.88 2.91 2.064481 2.32

Indian Overseas

Bank 2.12 2.38 2.31 2.31 2.46 2.91 2.74 3.32 3.31 2.97 3.38 3.65 3.48 3.11 2.63 3.20 3.25 2.872259 2.91

Oriental Bank of

Commerce 3.8 3.89 3.38 3.1 2.9 2.92 3.02 3.04 2.81 3.57 3.55 2.82 2.72 2.29 1.85 2.80 2.77 3.043889 3.02

Punjab National

Bank 3.27 3.47 3.25 3.57 2.99 3.21 3.15 3.33 3.23 3.62 3.54 3.17 3.21 3.21 2.78 3.26 3.21 3.267111 3.2325

Syndicate Bank

3.2 3.17 2.85 2.94 3.04 3.87 3.49 3.13 3.07 3.51 3.03 3.25 3.08 2.41 1.93 2.87 3.06 3.064648 3.08

UCO Bank 2.17 1.93 1.89 2.15 2.35 2.42 2.33 2.54 2.53 2.53 2.73 2.58 2.53 2.12 1.66 2.36 2.53 2.297537 2.35

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Union Bank of India

3.4 3.41 3.17 2.66 2.73 3.13 3.01 2.83 2.82 2.93 2.98 2.85 2.66 2.72 2.49 2.77 2.79 2.91913 2.85

United Bank of

India 1.71 1.54 2.74 2 2.1 2.39 2.64 3.00 3.01 2.97 3.02 3.15 3.07 2.72 1.67 2.77 3.00 2.514852 2.72

Vijaya Bank 2.53 2.91 2.76 2.86 3.03 3.23 3.01 3.24 3.29 3.37 3.48 3.36 3.08 2.53 1.65 2.91 3.22 2.95513 3.03

State Bank of India

3.28 3.43 3.01 2.72 2.65 2.61 2.61 2.84 2.75 2.65 2.74 3.03 3.16 2.66 2.36 2.77 2.70 2.83363 2.74

State Bank of Bikaner & Jaipur

3.53 3.32 3.68 3.23 3 3.29 3.16 3.40 3.44 3.07 3.56 3.71 3.61 2.72 2.28 3.16 3.32 3.266759 3.32

State Bank of

Hyderabad 3.72 3.69 3.61 3.53 3.35 3.33 2.94 2.72 2.74 2.86 2.75 2.76 2.69 2.50 1.81 2.56 2.72 2.999907 2.86

State Bank of Indore

4.1 4.28 3.86 3.92 2.99 2.84 2.97 2.97 2.88 3.23 3.48 2.97 2.61 2.18 1.95 2.74 2.79 3.14863 2.97

State Bank of Patiala

3.48 3.7 3.64 3.53 3.78 4.22 3.78 2.94 2.90 3.69 3.06 3.10 2.42 2.12 1.51 2.65 2.74 3.191556 3.48

State Bank of

Saurashtra 3.3 3.62 3.63 3.49 3.2 2.93 2.99 2.96 2.87 2.79 3.15 3.37 2.90 2.22 1.70 2.69 2.85 3.007981 2.99

State Bank of

Travancore 3.29 3.18 2.94 2.2 2.27 2.73 2.57 2.87 2.83 2.75 2.85 3.10 3.00 2.61 2.17 2.75 2.80 2.757296 2.825

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ANNEXURE 3: NET INTEREST MARGIN TO TOTAL ASSETS-Private Sector banks

Name of the Bank

1995-96

1996-97

1997-98

1998-99

1999-2000

2000-01

2001-02 I means I median 2002-

03 2003-

04 2004-

05 2005-

06 2006-

07 2007-

08 II nd

means II

meadians overall means

overall medians

Bank of Rajasthan

Ltd. 2.78 2.8 2.38 1.76 2.35 3.06 2.69 2.42 2.32 2.95 2.25 2.33 2.27 2.63 1.99 2.40 2.30 2.464815 2.38

Catholic Syrian Bank

Ltd. 3.04 3.03 2.47 1.97 2.34 2.72 2.32 2.89 2.89 2.32 2.84 3.30 3.08 2.97 2.75 2.88 2.91 2.728519 2.84

City Union Bank Ltd.

3.38 2.88 2.09 1.87 3.03 2.95 2.45 3.03 3.05 2.53 3.02 3.17 3.39 3.12 2.79 3.00 3.07 2.849704 3.02

Dhanalakshmi Bank Ltd.

3.09 2.33 2.72 2.16 2.49 2.34 2.25 2.77 2.78 2.53 2.84 2.76 2.91 2.86 2.60 2.75 2.80 2.628333 2.72

Federal Bank Ltd.

2.43 1.95 1.89 1.09 2.37 2.69 2.72 2.85 2.83 2.78 2.79 2.99 2.91 2.86 2.67 2.83 2.83 2.521593 2.72

Jammu & Kashmir Bank

Ltd. 4.05 3.48 3.6 3.49 2.71 2.81 2.98 2.71 2.64 3.13 2.92 2.44 2.51 2.68 2.47 2.69 2.60 2.975185 2.81

Karnataka Bank Ltd.

3.65 4.11 3.58 2.38 1.99 2.28 1.81 2.23 2.36 1.67 2.02 2.53 2.45 2.59 2.43 2.28 2.44 2.538852 2.38

Karur Vysya Bank Ltd.

3.35 3.96 3.28 2.91 3.66 3.67 3.22 3.27 3.15 2.74 4.18 3.26 3.14 3.13 2.53 3.16 3.14 3.296759 3.26

Lakshmi Vilas Bank Ltd.

3.34 3.09 2.53 2.31 2.59 2.55 2.17 2.23 2.16 2.13 2.18 2.63 2.14 2.04 1.90 2.17 2.14 2.399056 2.230833

South Indian Bank Ltd.

3.73 2.7 2.52 2.46 2.66 2.87 2.37 2.52 2.51 2.33 2.17 2.71 2.86 2.69 2.31 2.51 2.51 2.627074 2.52

Tamilnad Mercantile Bank Ltd.

4.33 4.65 3.68 2.96 2.88 3.29 3.35 3.99 4.05 3.58 4.24 4.12 4.03 4.17 3.11 3.88 4.08 3.761944 3.986667

Development Credit Bank

Ltd. 5 3.67 1.99 2.05 1.81 2.19 2.14 1.79 1.83 1.62 1.77 1.50 2.01 2.27 2.46 1.94 1.89 2.273204 2.01

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HDFC Bank

Ltd. 4.41 4.11 3.65 3.38 2.6 3.24 2.65 3.28 3.44 2.70 3.16 3.46 3.46 3.80 3.93 3.42 3.46 3.417704 3.439167

ICICI Bank Ltd.

2.7 3.68 2.23 1.7 1.54 2.05 0.57 1.63 1.66 1.33 1.59 1.69 1.87 1.64 1.83 1.66 1.67 1.847704 1.69

IndusInd Bank Ltd.

3.02 2.79 2.43 1.86 1.7 1.84 1.60 2.02 1.86 1.86 2.10 2.66 1.79 1.30 1.46 1.86 1.83 2.01913 1.86

ANNEXURE 3: NET INTEREST MARGIN TO TOTAL ASSETS-FOREIGN BANKS.

Name of the Bank

1995-96

1996-97

1997-98

1998-99

1999-2000

2000-01

2001-02

I means

I median

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

II nd means

II meadians

overall means

overall medians

ABN-AMRO

Bank N.V. 2.32 4.38 3.23 3.3 3.22 3.93 4.67 3.79 3.89 3.90 4.23 3.73 3.05 4.02 4.31 3.87 3.96 3.731148 3.886667

Abu Dhabi Commercial Bank Ltd.

2.57 1.07 2.23 1.93 2.09 0.98 0.92 1.20 1.09 0.87 0.96 0.61 1.49 1.81 6.60 2.06 1.23 1.76163 1.201944

Bank of Bahrain &

Kuwait B.S.C.

5.77 1.67 0.92 1.11 1.55 1.62 1.18 1.84 2.04 1.72 1.06 2.09 2.02 2.68 3.06 2.11 2.06 2.021944 1.72

Citibank N.A.

3.91 4.75 4.39 3.44 4.55 3.97 3.76 4.29 4.31 3.76 4.58 4.29 4.53 4.05 4.36 4.26 4.33 4.195907 4.291111

DBS Bank Ltd.

2.57 6.24 1.95 3.01 3.33 2.85 3.10 3.09 2.80 5.47 2.64 1.85 2.96 2.29 2.65 2.98 2.65 3.120185 2.85

Deutsche Bank AG

4.77 5.83 6.7 4.93 5 5.14 3.76 1.78 2.04 2.65 0.84 0.80 1.95 2.85 3.68 2.13 2.30 3.514481 3.68

HSBC Ltd. 4.4 3.66 3.38 2.69 2.75 3.03 2.63 3.42 3.55 2.88 3.29 3.52 3.67 4.18 3.90 3.57 3.60 3.396537 3.421389

Standard Chartered

Bank 5.54 3.49 3.57 3.57 4.24 3.73 3.51 3.97 3.96 3.87 4.23 3.72 4.06 4.07 3.74 3.95 3.97 3.950815 3.87

State Bank of Mauritius

Ltd. 9.86 7.51 6.46 2.78 3.12 3.08 2.70 2.88 2.86 2.50 2.98 2.97 3.34 2.28 2.48 2.76 2.74 3.853648 2.97

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ANNEXURE: 4 - NET PROFIT TO TOTAL ASSETS -Public Sector Banks

Name of the Bank

1995-96

1996-97

1997-98

1998-99

1999-2000

2000-01

2001-02

I means

II medians

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

II means

II medians

overall means

overall medians

Allahabad Bank

0.05 0.49 0.85 0.77 0.35 0.18 0.32 0.4300 0.35 0.59 1.34 1.2 1.28 1.11 1.18 1.1167 1.1900 0.6993 0.5900

Andhra Bank

0.16 0.43 0.82 0.78 0.76 0.59 0.97 0.6443 0.76 1.63 1.72 1.59 1.19 1.13 1.02 1.3800 1.3900 0.9463 0.8200

Bank of Baroda

0.61 0.73 1.01 0.81 0.86 0.43 0.77 0.7457 0.77 1.01 1.14 0.71 0.73 0.72 0.8 0.8517 0.7650 0.7897 0.7700

Bank of India

0.84 0.95 0.79 0.37 0.31 0.42 0.73 0.6300 0.73 1.12 1.19 0.36 0.62 0.79 1.12 0.8667 0.9550 0.7313 0.7300

Bank of Maharashtra

0.16 0.54 0.53 0.43 0.59 0.24 0.68 0.4529 0.53 0.89 0.95 0.54 0.16 0.7 0.68 0.6533 0.6900 0.5382 0.5400

Canara Bank

0.81 0.41 0.47 0.47 0.43 0.43 1.03 0.5786 0.47 1.24 1.35 1.01 1.01 0.86 0.87 1.0567 1.0100 0.7626 0.8100

Central Bank of

India -0.32 0.57 0.57 0.41 0.36 0.1 0.31 0.2857 0.36 0.54 0.98 0.52 0.34 0.54 0.44 0.5600 0.5300 0.4004 0.4100

Corporation Bank

1.52 1.53 1.49 1.29 1.39 1.33 1.31 1.4086 1.39 1.58 1.73 1.19 1.1 1.02 1.1 1.2867 1.1450 1.3586 1.3900

Dena Bank 0.63 0.75 0.86 0.74 0.37 -1.49 0.06 0.2743 0.63 0.57 1.04 0.25 0.27 0.64 0.93 0.6167 0.6050 0.4350 0.6300

Indian Bank -7.52 -2.28 -1.55 -3.64 -1.81 -1.03 0.11 -2.5314

-1.81 0.53 1.04 0.93 1.06 1.35 1.43 1.0567 1.0500 -1.0481 -1.0300

Indian Overseas

Bank 0.02 0.58 0.53 0.23 0.15 0.38 0.65 0.3629 0.38 1.01 1.08 1.28 1.32 1.23 1.18 1.1833 1.2050 0.6922 0.5800

Oriental Bank of

Commerce 1.64 1.56 1.42 1.23 1.14 0.75 0.99 1.2471 1.23 1.34 1.67 1.34 0.95 0.79 0.39 1.0800 1.1450 1.1791 1.2300

Punjab National

Bank -0.3 0.68 1.2 0.8 0.75 0.73 0.77 0.6614 0.75 0.98 1.08 1.12 0.99 0.95 1.03 1.0250 1.0100 0.8128 0.8000

Syndicate Bank

0.13 0.38 0.42 0.65 0.79 0.83 0.79 0.5700 0.65 1 0.92 0.77 0.88 0.8 0.79 0.8600 0.8400 0.6913 0.7900

UCO Bank -1.53 -1.08 -0.52 -0.33 0.16 0.12 0.52 -

0.3800 -0.33 0.59 0.99 0.63 0.32 0.42 0.46 0.5683 0.5250 0.0027 0.1600

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Union Bank of India

0.39 0.96 0.97 0.51 0.29 0.4 0.71 0.6043 0.51 1.08 1.22 0.99 0.76 0.82 1.12 0.9983 1.0350 0.7556 0.7600

United Bank of India

-2.16 -0.89 0.07 0.09 0.16 0.09 0.52 -

0.3029 0.09 1.26 1.22 1.03 0.62 0.63 0.59 0.8917 0.8300 0.2011 0.1600

Vijaya Bank -3.47 0.24 0.25 0.27 0.41 0.5 0.81 -

0.1414 0.27 1.03 1.71 1.3 0.4 0.78 0.64 0.9767 0.9050 0.3332 0.4100

State Bank of India

0.58 0.86 1.04 0.46 0.78 0.51 0.7 0.7043 0.7 0.83 0.9 0.94 0.89 0.8 0.93 0.8817 0.8950 0.7750 0.8000

State Bank of Bikaner &

Jaipur 0.39 0.5 1.06 0.9 0.97 0.76 1.06 0.8057 0.9 1.13 1.5 0.88 0.53 0.89 0.77 0.9500 0.8850 0.8697 0.8900

State Bank of

Hyderabad 0.61 0.56 0.91 0.85 0.82 0.82 1.02 0.7986 0.82 1.15 1.24 0.72 1.05 1.03 0.9 1.0150 1.0400 0.8866 0.8500

State Bank of Indore

0.39 0.49 0.68 0.63 0.72 0.78 1.27 0.7086 0.68 1.76 1.73 0.79 0.67 0.77 0.8 1.0867 0.7950 0.8579 0.7200

State Bank of Mysore

0.54 0.74 0.86 0.49 0.58 0.27 0.64 0.5886 0.58 1.02 1.28 1.25 1.12 0.93 0.96 1.0933 1.0700 0.7899 0.7400

State Bank of Patiala

0.63 0.68 1.47 0.93 1.06 1.12 1.34 1.0329 1.06 1.51 1.6 0.91 0.74 0.77 0.7 1.0383 0.8400 1.0369 1.0329

State Bank of

Travancore 0.39 0.52 0.69 0.4 0.53 0.67 0.73 0.5614 0.53 0.9 1.02 0.86 0.81 0.86 0.88 0.8883 0.8700 0.6901 0.6900

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ANNEXURE: 4 - NET PROFIT TO TOTAL ASSETS Private Sector Banks

Name of the Bank

1995-96

1996-97

1997-98

1998-99

1999-2000

2000-01

2001-02 I means II

medians 2002-

03 2003-

04 2004-

05 2005-

06 2006-

07 2007-

08 II

means II

medians overall means

overall medians

Bank of Rajasthan

Ltd. 1.5 0.1 -2.58 -1.84 0.3 0.74 0.84 -0.1343 0.3 1.12 0.82 0.38 0.15 0.91 0.73 0.6850 0.7750 0.2224 0.3800

Catholic Syrian Bank

Ltd. 0.02 0.24 0.36 0.02 0.25 0.38 1.07 0.3343 0.25 1.17 1.31 0.24 0.13 0.36 0.61 0.6367 0.4850 0.4496 0.3343

City Union Bank Ltd.

1.32 1.23 1 0.87 1.3 1.17 1.28 1.1671 1.23 1.27 1.79 1.33 1.37 1.34 1.38 1.4133 1.3550 1.2698 1.2800

Dhanalakshmi Bank Ltd.

0.57 0.65 0.71 0.28 0.71 0.4 0.53 0.5500 0.57 0.71 0.71 -0.82 0.33 0.47 0.71 0.3517 0.5900 0.4720 0.5700

Federal Bank Ltd.

1.03 0.85 0.69 0.03 0.61 0.69 0.81 0.6729 0.69 0.86 0.9 0.54 1.09 1.17 1.13 0.9483 0.9950 0.7842 0.8100

Jammu & Kashmir Bank

Ltd. 0.53 0.59 0.91 1.14 1.14 1.32 1.77 1.0571 1.14 2.01 1.92 0.47 0.67 0.96 1.1 1.1883 1.0300 1.1151 1.1000

Karnataka Bank Ltd.

1.11 1.41 1.51 0.87 0.71 0.68 1.17 1.0657 1.11 1.19 1.26 1.17 1.18 1.09 1.25 1.1900 1.1850 1.1184 1.1700

Karur Vysya Bank Ltd.

2.11 1.86 1.73 1.19 1.9 1.7 2.12 1.8014 1.86 2.02 2.27 1.34 1.5 1.44 1.43 1.6667 1.4700 1.7514 1.8014

Lakshmi Vilas Bank Ltd.

0.9 1.4 1.31 0.79 1.14 1.02 1.06 1.0886 1.06 1.07 1.07 0.08 0.46 0.3 0.39 0.5617 0.4250 0.8759 1.0600

South Indian Bank Ltd.

0.22 0.33 0.68 0.17 0.58 0.8 0.95 0.5329 0.58 0.95 0.91 0.09 0.47 0.76 0.89 0.6783 0.8250 0.5942 0.5800

Tamilnad Mercantile Bank Ltd.

1.68 2.23 1.98 1.43 1.32 1.37 1.29 1.6143 1.43 1.35 1.59 1.47 1.66 1.49 1.43 1.4983 1.4800 1.5556 1.4700

Development Credit Bank

Ltd. 2.34 1.77 1.67 0.9 0.87 0.76 0.81 1.3029 0.9 0.78 0.32 -3.5 -2.28 0.14 0.51 -0.6717 0.2300 0.4862 0.8100

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HDFC Bank 2.04 2.23 2.23 1.89 1.02 1.35 1.25 1.7157 1.89 1.27 1.2 1.29 1.18 1.25 1.19 1.2300 1.2250 1.5330 1.2900

ICICI Bank 1.43 2.25 1.53 0.91 0.87 0.82 0.25 1.1514 0.91 1.13 1.31 1.2 1.01 0.9 1.04 1.0983 1.0850 1.1141 1.0400

IndusInd Bank Ltd.

2.42 2.06 1.81 0.6 0.7 0.47 0.5 1.2229 0.7 0.91 1.74 1.35 0.21 0.33 0.32 0.8100 0.6200 1.0229 0.7000

ANNEXURE: 4 - NET PROFIT TO TOTAL ASSETS FOREIGN BANKS

Name of the Bank

1995-96

1996-97

1997-98

1998-99

1999-2000

2000-01

2001-02

I means

II median

s

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

II means

II medians

overall means

overall medians

ABN-AMRO

Bank N.V. 1.43 2.08 2.33 2.2 1.58 0.4 1.72 1.6771 1.72 1.56 1.84 1.27 1.03 1.35 0.77 1.3033 1.3100 1.5305 1.5800

Abu Dhabi Commercial Bank Ltd.

1.05 0.31 0.42 0.32 0.52 0.44 0.47 0.5043 0.44 0.17 0.49 -2.57 0.66 0.24 5.02 0.6683 0.3650 0.5656 0.4400

Bank of Bahrain &

Kuwait B.S.C.

1.6 0.64 -3.66 0.71 0.9 0.8 1.25 0.3200 0.8 1.06 0.12 -3.77 -1.51 -1.73 3.62 -0.3683 -0.6950 0.0767 0.7100

Citibank N.A.

2.02 0.57 1.1 0.92 1.44 1.47 1.51 1.2900 1.44 1.55 1.93 1.77 1.55 1.36 2.15 1.7183 1.6600 1.4713 1.4700

DBS Bank Ltd.

0.77 2.36 0.97 1.31 1.44 1.58 2.02 1.4929 1.44 2.01 -1.31 0.64 0.5 1.22 0.72 0.6300 0.6800 1.1442 1.3100

Deutsche Bank

1.13 1.73 0.9 1.12 1.23 1.4 1.69 1.3143 1.23 0.99 0.72 0.82 0.6 1.12 1.72 0.9950 0.9050 1.1810 1.1300

HSBC Ltd. 1.74 1.53 0.98 0.58 0.96 1.29 0.87 1.1357 0.98 0.72 1.55 1.21 1.37 1.54 1.57 1.3267 1.4550 1.2017 1.2100

Standard Chartered

Bank 2.43 0.77 1.04 0.04 1.81 1.5 2.02 1.3729 1.5 2.92 1.74 1.62 1.97 2.32 2.32 2.1483 2.1450 1.6915 1.7400

State Bank of Mauritius

Ltd. 5.21 3.56 4.47 1.81 1.48 1.05 0.85 2.6329 1.81 1.05 1.33 1.2 0.68 1.53 1.12 1.1517 1.1600 1.9855 1.4800

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ANNEXURE 5: OPERATING EXPENSES TO TOTAL ASSETS - Public Sector Banks

Name of the Bank

1995-96

1996-97

1997-98

1998-99

1999-2000

2000-01

2001-02 I means II means 2002-

03 2003-

04 2004-

05 2005-

06 2006-

07 2007-

08 II

means II

medians overall means

overall medians

Allahabad Bank

3.04 3.02 2.7 2.67 2.89 2.98 2.86 2.88 2.89 3.27 2.76 2.37 1.87 1.52 1.40 2.20 2.12 2.608 2.86

Andhra Bank

3.23 3.11 2.95 2.83 2.27 2.24 2.17 2.69 2.83 2.44 2.44 2.53 2.11 1.96 1.67 2.19 2.28 2.497714 2.44

Bank of Baroda

2.53 2.37 2.34 2.31 2.22 2.54 2.20 2.36 2.34 2.16 2.12 2.09 2.10 1.78 1.63 1.98 2.10 2.205905 2.22

Bank of India

2.72 2.77 2.52 2.37 2.51 2.93 2.19 2.57 2.52 2.16 2.06 2.03 1.88 1.84 1.48 1.91 1.96 2.303524 2.37

Bank of Maharashtra

3.73 3.41 3.21 3.06 2.76 2.84 2.23 3.03 3.06 2.07 1.74 2.19 2.11 1.91 1.74 1.96 1.99 2.606286 2.76

Canara Bank

2.74 2.63 2.34 2.56 2.48 2.51 2.21 2.50 2.51 2.13 1.91 1.91 1.77 1.55 1.55 1.80 1.84 2.219714 2.34

Central Bank of

India 3.4 3.19 3.05 3.11 3 3.06 2.72 3.08 3.06 2.67 2.46 2.46 2.30 1.81 1.41 2.19 2.38 2.718381 3

Corporation Bank

2.2 2.23 2.05 1.81 1.81 1.73 1.63 1.92 1.81 1.79 1.97 1.97 1.84 1.52 1.34 1.74 1.82 1.841524 1.81

Dena Bank 3.07 2.99 2.75 2.54 2.44 3.24 2.44 2.78 2.75 2.54 2.25 2.56 2.11 1.94 1.68 2.18 2.18 2.538762 2.54

Indian Bank 2.86 2.8 2.67 2.61 2.68 2.79 2.40 2.69 2.68 2.13 2.71 2.08 2.27 2.22 1.99 2.23 2.18 2.505143 2.67

Indian Overseas

Bank 2.76 2.73 2.55 2.75 2.74 2.89 2.50 2.70 2.74 2.30 2.14 2.28 2.13 1.69 1.46 2.00 2.14 2.42419 2.55

Oriental Bank of

Commerce 2.14 2.19 2.03 1.97 1.74 1.94 1.64 1.95 1.97 1.71 1.57 1.47 1.64 1.35 1.19 1.49 1.52 1.766667 1.74

Punjab National

Bank 3.21 3.04 2.84 2.97 2.82 2.95 2.47 2.90 2.95 2.39 2.32 2.60 2.08 2.05 1.77 2.20 2.20 2.624 2.82

Syndicate Bank

3.47 3.5 3.29 3.41 3.13 3.81 3.24 3.41 3.41 3.15 2.51 2.43 2.35 1.55 1.40 2.23 2.39 2.937143 3.24

UCO Bank 3.27 3.16 2.89 2.87 2.65 2.73 2.67 2.89 2.87 2.48 2.33 1.99 1.90 1.59 1.45 1.96 1.95 2.516095 2.67

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Union Bank of India

2.8 2.77 2.62 2.51 2.47 2.62 2.18 2.57 2.62 1.99 1.86 1.74 1.57 1.44 1.28 1.65 1.66 2.202476 2.47

United Bank of India

2.99 2.81 2.58 2.4 2.39 2.52 3.33 2.72 2.58 2.44 2.60 2.42 2.45 1.84 1.66 2.24 2.43 2.515143 2.52

Vijaya Bank 3.36 3.26 2.95 2.8 2.97 3.07 2.61 3.00 2.97 2.92 2.07 1.84 1.98 1.54 1.25 1.93 1.91 2.572857 2.92

State Bank of India

3.09 2.94 2.63 2.65 2.41 2.63 2.07 2.63 2.63 2.11 2.27 2.19 2.37 2.09 1.75 2.13 2.15 2.430762 2.41

State Bank of Bikaner &

Jaipur 3.46 2.97 3.29 3.24 2.85 3.08 2.58 3.07 3.08 2.50 2.62 2.66 2.76 2.18 1.82 2.42 2.56 2.810476 2.85

State Bank of

Hyderabad 3.05 2.81 2.52 2.9 2.42 2.46 1.88 2.58 2.52 1.73 1.74 1.92 2.01 1.65 1.30 1.73 1.74 2.232476 2.42

State Bank of Indore

3.67 3.56 3.41 3.4 3.07 2.72 2.28 3.16 3.40 2.18 2.16 1.94 1.92 1.67 1.47 1.89 1.93 2.667238 2.72

State Bank of Mysore

3.82 3.44 3.43 3.57 3.41 3.68 3.03 3.48 3.44 2.89 2.69 2.89 2.63 2.09 1.87 2.51 2.66 3.090857 3.41

State Bank of Patiala

2.52 2.5 2.51 2.41 2.34 2.62 2.05 2.42 2.50 1.86 1.67 1.52 1.48 1.39 1.20 1.52 1.50 2.066095 2.34

State Bank of

Travancore 2.97 2.84 2.38 2.22 2.37 2.48 2.02 2.47 2.38 1.93 1.88 1.74 1.98 1.70 1.56 1.80 1.81 2.194571 2.22

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ANNEXURE 5: OPERATING EXPENSES TO TOTAL ASSETS - Private Sector Banks

Name of the Bank

1995-96

1996-97

1997-98

1998-99

1999-2000

2000-01

2001-02

I means II means 2002-

03 2003-

04 2004-

05 2005-

06 2006-

07 2007-

08 II means II medians overall means

overall medians

Bank of Rajasthan

Ltd. 2.23 2.64 2.87 3.25 3.23 3.04 3.02 2.90 3.02 2.59 2.15 2.13 2.59 2.07 1.71 2.21 2.14 2.629143 2.64

Catholic Syrian Bank

Ltd. 3.14 3.37 3.03 2.8 2.96 2.71 2.56 2.94 2.96 2.66 2.73 2.57 3.15 2.59 2.54 2.71 2.63 2.847238 2.8

City Union Bank Ltd.

2.33 2.27 2.07 2.06 1.99 1.82 1.68 2.03 2.06 1.52 1.41 1.79 1.70 1.68 1.48 1.60 1.60 1.859429 1.82

Dhanalakshmi Bank Ltd.

2.47 2 2.36 2.17 2.15 2.87 2.68 2.39 2.36 2.84 2.48 2.62 2.87 2.55 2.39 2.63 2.59 2.479714 2.47

Federal Bank Ltd.

2.41 2.06 1.88 1.88 2.33 1.98 1.89 2.06 1.98 1.82 1.87 1.87 1.77 1.62 1.44 1.73 1.80 1.924095 1.88

Jammu & Kashmir Bank

Ltd. 1.98 1.99 1.75 1.78 1.51 1.3 1.59 1.70 1.75 1.55 1.38 1.32 1.31 1.30 1.23 1.35 1.32 1.562667 1.55

Karnataka Bank Ltd.

2.42 2.48 2.18 1.89 1.84 1.58 1.68 2.01 1.89 1.52 1.46 1.58 1.37 1.46 1.58 1.50 1.49 1.796 1.68

Karur Vysya Bank Ltd.

2.11 1.86 1.73 1.19 1.9 1.7 2.10 1.80 1.86 1.69 2.21 2.16 1.94 1.74 1.48 1.87 1.84 1.831238 1.86

Lakshmi Vilas Bank Ltd.

0.9 1.4 1.31 0.79 1.14 1.02 2.47 1.29 1.14 2.26 2.19 2.23 2.04 1.75 1.79 2.04 2.12 1.581333 1.4

South Indian Bank Ltd.

0.22 0.33 0.68 0.17 0.58 0.8 1.84 0.66 0.58 1.86 2.09 1.97 2.09 1.60 1.45 1.84 1.92 1.128 0.8

Tamilnad Mercantile Bank Ltd.

1.68 2.23 1.98 1.43 1.32 1.37 1.99 1.71 1.68 1.97 2.31 2.22 2.13 2.08 1.90 2.10 2.11 1.866952 1.97

Development Credit Bank

Ltd. 2.34 1.77 1.67 0.9 0.87 0.76 1.95 1.47 1.67 2.23 2.41 3.54 4.01 3.25 3.15 3.10 3.20 2.132381 1.95

HDFC Bank 2.04 2.23 2.23 1.89 1.02 1.35 1.76 1.79 1.89 1.90 1.91 2.11 2.30 2.65 2.81 2.28 2.21 1.991905 1.91

ICICI Bank 1.43 2.25 1.53 0.91 0.87 0.82 0.60 1.20 0.91 1.88 2.05 1.97 1.99 1.94 2.04 1.98 1.98 1.492762 1.53

IndusInd Bank Ltd.

1.46 1.58 1.51 1.41 1.13 1.19 0.93 1.32 1.41 1.19 1.44 1.70 1.80 1.64 1.73 1.58 1.67 1.429048 1.44

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ANNEXURE 5: OPERATING EXPENSES TO TOTAL ASSETS – FOREIGN BANKS

Name of the Bank

1995-96

1996-97

1997-98

1998-99

1999-2000

2000-01

2001-02

I means

II means

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

II means

II medians

overall means

overall medians

ABN-AMRO

Bank N.V. 1.92 3.23 2.85 2.08 1.83 2.57 3.62 2.59 2.57 3.47 4.43 3.68 3.18 3.40 3.57 3.62 3.52 2.999048 3.18

Abu Dhabi Commercial Bank Ltd.

1.18 1.22 1.41 0.97 1.1 0.44 0.49 0.97 1.10 0.79 0.56 2.43 2.03 2.38 4.63 2.14 2.21 1.446857 1.1

Bank of Bahrain &

Kuwait B.S.C.

1.62 1.49 1.54 1.82 1.75 1.72 1.39 1.62 1.62 1.71 1.92 2.20 2.60 2.28 2.29 2.17 2.24 1.837905 1.72

Citi Bank 2.27 1.86 1.96 2.19 2.32 2.82 3.59 2.43 2.27 4.01 2.92 3.28 2.79 3.07 2.31 3.06 3.00 2.672667 2.43

DBS Bank Ltd.

2.36 4.12 2.78 2.18 1.7 1.58 1.53 2.32 2.18 2.36 1.15 1.31 1.23 1.22 0.97 1.37 1.23 1.932762 1.7

Deutsche Bank AG

3.65 3.05 3.38 3.42 3.89 3.9 3.43 3.53 3.43 2.89 2.00 2.56 3.87 4.20 4.29 3.30 3.38 3.432762 3.43

HSBC Ltd. 2.72 2.81 2.71 2.8 2.35 2.66 2.63 2.67 2.71 2.94 2.47 2.50 2.74 2.88 2.83 2.73 2.79 2.694571 2.71

Standard Chartered

Bank 5.15 4.38 4.11 5.11 3.29 3.03 2.22 3.90 4.11 1.98 2.26 2.26 2.61 2.38 2.79 2.38 2.32 3.305238 3.03

State Bank of Mauritius

Ltd. 5.15 4.38 4.11 5.11 3.29 3.03 1.19 3.75 4.11 1.21 1.08 1.01 1.09 1.25 1.42 1.18 1.15 2.745429 3.03

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ANNEXURE 6: INTEREST EXPENSES TO TOTAL ASSETS: Public Sectors

Name of the Bank

1995-96

1996-97

1997-98

1998-99

1999-2000

2000-01

2001-02

I means

I medians

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

II nd means

II medians

overall means

overall medians

Allahabad Bank

6.13 6.66 6.42 6.34 6.5 6.29 6.23 6.3671 6.3400 5.92 4.56 4.03 3.96 4.63 5.42 4.7533 4.595 5.71981 6.23

Andhra Bank

6.42 6.55 6.56 6.2 6.49 6.74 6.95 6.5586 6.5500 5.84 4.87 3.71 3.7 3.99 5.07 4.5300 4.43 5.746571 6.42

Bank of Baroda

6.54 6.78 6.19 6.22 5.98 6.03 5.75 6.2129 6.1900 5.23 4.2 3.65 3.42 3.79 4.4 4.1150 3.995 5.37219 5.98

Bank of India

5.86 6.25 5.72 5.9 6.19 6.15 5.4 5.9243 5.9000 5.1 4.24 4 3.92 3.88 4.54 4.2800 4.12 5.264952 5.72

Bank of Maharashtra

5.92 6.11 5.8 6.02 6.57 6.03 6.57 6.1457 6.0300 5.64 4.44 4.52 4.81 4.17 4.8 4.7300 4.66 5.571714 5.92

Canara Bank

6.03 6.39 6.37 6.51 6.27 5.62 6.31 6.2143 6.3100 5.39 4.35 4.01 3.86 4.42 5.91 4.6567 4.385 5.597619 6.03

Central Bank of

India 6.13 6.42 6.2 6.32 6.09 5.96 5.93 6.1500 6.1300 5.56 4.64 4.13 4.02 4.04 4.66 4.5083 4.385 5.492 5.96

Corporation Bank

5.9 6.24 5.7 6.55 6.84 6.21 5.59 6.1471 6.2100 4.99 4.24 3.3 3.46 3.89 4.61 4.0817 4.065 5.325143 5.7

Dena Bank 6.3 6.59 6.44 7.09 6.94 7.08 6.72 6.7371 6.7200 5.97 5.16 4.32 3.91 4.02 4.7 4.6800 4.51 5.913143 6.44

Indian Bank 7.94 8.47 6.95 6.68 6.45 6.05 5.83 6.9100 6.6800 4.84 3.96 3.57 3.89 4.3 4.48 4.1733 4.13 5.8 6.05

Indian Overseas

Bank 6.71 7.99 6.95 7.09 6.61 6.31 6.21 6.8386 6.7100 5.5 4.55 4.12 3.94 3.98 5.19 4.5467 4.335 5.913238 6.31

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Oriental Bank of

Commerce 5.95 6.93 6.48 6.87 7.11 7.27 6.42 6.7186 6.8700 6.15 4.5 3.79 4.27 4.7 5.68 4.8483 4.6 5.980571 6.42

Punjab National

Bank 6.63 6.96 6.78 6.03 6.54 6.02 5.97 6.4186 6.5400 5.06 4.06 3.53 3.39 3.71 4.39 4.0233 3.885 5.468571 6.02

Syndicate Bank

5.6 5.95 5.84 6.51 5.94 6.01 5.59 5.9200 5.9400 4.84 3.51 3.96 3.55 4.36 5.45 4.2783 4.16 5.264667 5.6

UCO Bank 5.6 6.04 5.88 6.01 6.05 5.9 5.77 5.8929 5.9000 5.47 4.34 3.92 4.51 4.84 5.59 4.7783 4.675 5.447524 5.77

Union Bank of India

6.27 6.87 6.55 6.52 6.73 6.45 6.04 6.4900 6.5200 5.5 4.77 4.01 3.92 4.47 5.13 4.6333 4.62 5.749333 6.27

United Bank of India

5.98 6.28 6.45 6.44 6.59 6.6 6.29 6.3757 6.4400 5.77 5 4.18 4.03 3.96 4.88 4.6367 4.53 5.684381 6.28

Vijaya Bank 6.73 6.19 5.82 6.15 6.33 6.28 6.52 6.2886 6.2800 5.39 4.58 3.78 4.25 4.13 5.44 4.5950 4.415 5.610571 6.15

State Bank of India

5.69 6.13 5.83 5.86 5.84 5.63 5.95 5.8471 5.8400 5.62 4.73 4.02 4.13 3.92 4.43 4.4750 4.28 5.29781 5.69

State Bank of Bikaner &

Jaipur 5.67 5.72 6.3 6.19 5.95 5.85 5.59 5.8957 5.8500 4.93 4.26 3.72 3.54 4.16 5.13 4.2900 4.21 5.250381 5.67

State Bank of

Hyderabad 6.21 6.44 6.13 5.77 6.21 5.9 5.74 6.0571 6.1300 5.05 4.48 3.9 4.07 4.35 5.34 4.5317 4.415 5.45181 5.77

State Bank of Indore

6.1 6.59 6.09 6.05 5.93 5.79 6.05 6.0857 6.0500 5.45 4.54 3.6 3.77 4.58 5.65 4.5983 4.56 5.488381 5.93

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ANNEXURE 6: INTEREST EXPENSES TO TOTAL ASSETS: Pvt sector banks

Name of the Bank

1995-96

1996-97

1997-98

1998-99

1999-2000

2000-01

2001-02

I means

I medians

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

II nd means

II medians

overall means

overall medians

Bank of Rajasthan

Ltd. 6.49 7.82 7.89 7.78 7.69 7.12 6.73 7.3600 7.6900 4.76 3.7 3.37 3.22 3.63 4.66 3.8900 3.665 5.994 6.73

Catholic Syrian Bank

Ltd. 7.9 9.73 9.51 9.01 8.18 7.75 7.36 8.4914 8.1800 6.67 5.45 5.01 4.57 4.75 5.32 5.2950 5.165 7.192095 7.75

City Union Bank Ltd.

6.97 8 8.49 8.72 8.38 7.23 7.06 7.8357 8.0000 6.37 5.64 5.14 4.52 4.34 5.39 5.2333 5.265 6.805714 7.06

Dhanalakshmi Bank Ltd.

7.01 7.89 8.55 8.15 7.74 8.1 7.34 7.8257 7.8900 6.46 4.98 4.5 4.45 4.34 5.29 5.0033 4.74 6.701048 7.34

Federal Bank Ltd.

7.26 8.64 7.71 9.56 9.23 7.73 7.55 8.2400 7.7300 6.33 5.1 4.09 4.05 4.32 5.07 4.8267 4.695 6.840667 7.55

Jammu & Kashmir Bank

Ltd. 5.22 5.96 5.88 5.73 5.66 5.66 6.23 5.7629 5.7300 5.36 4.25 3.9 3.94 3.95 4.96 4.3933 4.1 5.212857 5.66

Karnataka Bank Ltd.

6.4 7.48 7.56 7.71 8.08 7.52 7.76 7.5014 7.5600 7.09 6 4.18 4.36 5.16 5.7 5.4150 5.43 6.670762 7.48

State Bank of Mysore

6.4 6.79 6.5 6.56 6.26 6.39 6.33 6.4614 6.4000 5.74 4.38 3.76 3.8 4.07 5.24 4.4983 4.225 5.672095 6.33

State Bank of Patiala

5.79 6.76 6.01 5.85 5.62 5.16 4.88 5.7243 5.7900 4.58 3.96 3.67 3.55 4.34 5.79 4.3150 4.15 5.164952 5.62

State Bank of

Travancore 8.22 8.49 7.81 7.2 7.06 6.35 6.24 7.3386 7.2000 5.58 4.4 3.85 4.22 4.47 5.62 4.6900 4.435 6.269905 6.35

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Karur Vysya Bank Ltd.

8 7.39 7.29 7.91 7.5 7.21 6.22 7.3600 7.3900 5.61 4.93 4.24 4.08 4.7 5.25 4.8017 4.815 6.338667 7.21

Lakshmi Vilas Bank Ltd.

7.55 7.82 6.88 7.64 7.03 7.07 7.36 7.3357 7.3600 6.34 5.3 4.73 4.4 5.13 5.86 5.2933 5.215 6.520381 7.03

South Indian Bank Ltd.

7.77 9.1 8.53 8.71 7.88 7.49 7.02 8.0714 7.8800 6.28 5.19 4.77 4.17 4.46 5.35 5.0367 4.98 6.844762 7.49

Tamilnad Mercantile Bank Ltd.

6.19 7.02 7.12 7.1 7.26 6.95 6.77 6.9157 7.0200 6.4 6.33 5.01 4.95 4.83 5.63 5.5250 5.32 6.366381 6.77

Development Credit Bank

Ltd. 4.67 6.32 6.37 7.09 6.21 7.61 6.87 6.4486 6.3700 6.52 4.76 5.01 5.4 4.32 5.12 5.1883 5.065 5.939238 6.32

HDFC Bank 7.14 4.8 4.86 5.27 3.19 4.83 4.51 4.9429 4.8300 3.92 2.86 2.56 2.62 3.48 3.67 3.1850 3.17 4.23219 4.51

ICICI Bank 7.34 6.57 5.66 6.09 5.52 4.24 1.5 5.2743 5.6600 7.44 5.6 3.92 3.82 4.75 5.87 5.2333 5.175 5.283619 5.6

IndusInd Bank Ltd.

7.12 8.71 8.54 7.76 6.27 6.58 5.36 7.1914 7.1200 5.64 4.44 4.6 4.95 5.87 6.79 5.3817 5.295 6.462762 6.58

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ANNEXURE 6: INTEREST EXPENSES TO TOTAL ASSETS: Foreign Banks

Name of the Bank

1995-96

1996-97

1997-98

1998-99

1999-2000

2000-01

2001-02

I means

I medians

2002-03

2003-04

2004-05

2005-06

2006-07

2007-08

II nd means

II medians

overall means

overall medians

ABN-AMRO

Bank N.V. 7.18 6.67 6.42 5.94 4.83 6.23 5.9 6.1671 6.2300 3.5 2.94 2.17 2.8 3.64 3.99 3.1733 3.22 4.97381 5.9

Abu Dhabi Commercial Bank Ltd.

10.12 9.17 7.51 6.67 8.88 5.56 9.11 8.1457 8.8800 8.78 7.51 7.07 14.66 4.07 4.62 7.7850 7.29 8.050381 8.145714

Bank of Bahrain &

Kuwait B.S.C.

6.25 9.41 10.17 9.18 8.6 8.21 7.37 8.4557 8.6000 6.4 4.71 3.63 4.47 3.68 3.53 4.4033 4.075 6.844381 7.37

Citibank N.A.

6.26 6.85 6.6 7.08 5.97 5.03 5.13 6.1314 6.2600 4.08 3.12 2.22 2.21 2.56 2.76 2.8250 2.66 4.817429 5.13

DBS Bank Ltd.

4.54 7.31 6.94 8.68 5.02 6.06 4.83 6.1971 6.0600 5.11 2.23 0.6 1.9 3.99 4.33 3.0267 3.11 4.91981 5.02

Deutsche Bank AG

6.55 4.76 5.66 4.79 5.12 4.63 4.41 5.1314 4.7900 3.03 2.66 2.84 3.06 2.64 2.17 2.7333 2.75 4.149429 4.63

HSBC Ltd. 5.79 6.65 5.12 5.61 5.09 5.44 5.21 5.5586 5.4400 4.2 2.85 2.31 2.21 2.21 2.66 2.7400 2.485 4.423238 5.12

Standard Chartered

Bank 5.81 6.29 7.27 7.17 6.27 5.4 4.61 6.1171 6.2700 3.93 3.12 2.98 2.59 2.8 2.9 3.0533 2.94 4.90181 5.4

State Bank of Mauritius

Ltd. 1.12 1.18 1.91 4.72 4.96 5.95 6.57 3.7729 4.7200 3.61 3.8 4.98 5.5 4.81 5.65 4.7250 4.895 4.216857 4.72

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T.Veerabhadra Rao, Research Scholar (Roll No.0503PH1312)

List of Articles Published:

1. ‘RISK MANAGEMENT BY REGULATION: SOME PERSPECTIVES’

published in the Icfai Journal of Banking Law,ISSN 0972-7884, Vol.V,

No.3, July 2007 (Page Nos.53 to 59).

The following Publication also carried the above article:

i) RISK MANAGEMENT IN BANKS: CURRENT DEVELOPMENTS(ISBN

978-81-314-1999-1) Published by Icfai University Press,2008 Page

Nos. 38-45.

ii) INDIAN FINANCIAL MARKETS – THE REGULATORY

PERSPECTIVES(ISBN: 978-81-314-1434-7) I,2008Icfai University

Press,2008 Page Nos. 29-37

2. ‘BANKS MERGERS AND ACQUISITIONS’ Article by T.Veerabhadra

Rao and A.Ramachandra Aryasri(Supervisor)ISBN: 978-81-8323-026-

1 Excel Books, 2008 Page Nos.117-123.

PAPERS PRESENTED AT SEMINARS:

1. ‘INDIAN BANKING SECTOR – EMERGING TRENDS’ paper presented

at the UGC National Seminar on ‘Financial Markets in India –

Problems and Prospects held on 18/19th March, 2005 at University

Arts & Science College, Kakatiya University, Warangal.

2. ‘A ROAD MAP TO MERGERS AND CONSOLIDATION –

OVERCOMING THE IMPEDIMENTS’ paper presented at the 4th

National Seminar on ‘Banks’ Mergers & Consolidation: Implications

and Impediments’ held on 11th & 12 February 2007 at the Siva Sivani

Institute of Management, Kompally, Secunderabad.

3. ‘LEADERSHIP THROUGH GOVERNANCE-THE CASE OF THE

RESERVE BANK OF INDIA’ paper presented at the National

Conference on ‘Leadership & Corporate Governance in Turbulent

Times (Under UGC-SAP) held by the School of Management Studies,

University of Hyderabad on 18.3.2011. The paper has been adjusted

as the best and awarded I prize.