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