ISSN : 2454-9150 Operational Performance Evaluation of Banks in...

International Journal for Research in Engineering Application & Management (IJREAM)

ISSN : 2454-9150 Vol-04, Issue-10, Jan 2019

216 | IJREAMV04I1046021 DOI : 10.18231/2454-9150.2018.1311 © 2019, IJREAM All Rights Reserved.

Operational Performance Evaluation of Banks in

India: A comparative study of Public and Private

Sector Banks *Dr. R.K. Sharma,

#Prof. Sourav Sharma

*Dean, School of Commerce and Management,

#Research Scholar, Sri Guru Granth Sahib World

University, Fatehgarh Sahib, Punjab, India.

Abstract: Banks in India have been undergoing major challenges in the dynamic environment over the past few years

because large numbers of policies has been developed and implemented by government related to banks in current

scenario. The objective of this study was overall analysis of Operational Performance of Banks in India and a

comparison was made between public and private sector banks based on the performances of various banks data like

branch expansion, deposit mobilisation, credit deployment. Operational performance is a measure of the profitability

and growth of the banks. Recording branch expansion, deposit mobilisation and credit deployment for the past period

help in projecting the growth and operational performance for the coming period of unbendable competition.

Measuring operational performance is the most important measure of the banks because it show the strength of Indian

financial system.. In this paper data can be analyzed with a support of income statement and balance sheet of banks

and Trends and progress report of RBI.

Keywords: AXIS, ICICI, SBI, PNB, ATM, EGR

I. INTRODUCTION

Economic development of any country is mainly influenced

by the growth of banking sector in that country. Banking

sector is instrumental in shaping the economic destiny of a

country. A well planned, organized, efficient and viable

banking system is a necessary concomitant of economic

and social infrastructure in an economy. The banking

system is one of the vital organs in financial system and it

plays very crucial role in economic development of a

country. A strong banking system is required in modern

society because it fulfills the financial requirement. The

banking system occupies an important role in a nation’s

economy. The bank is the most important financial

intermediaries in the economy as it connect surplus and

deficits economic agents. Banks are vital institutions in any

society as they significantly contribute to the development

of an economy through facilitations of business and

industry. A banking institution is indispensable in a modern

society. Finance greatly contributes to economic

development. Banking industry is the blood vascular

system in every economy. The performance of banks is

completely linked to the growth of the economy, while the

nature and quantum of growth is depends upon the banking

system. Banks play a significant role in the economic

development of a country. Banks have control over a

largest portion of the supply of money in circulation.

Nature and character of production in the country can be

influenced by the banks. In fact, banks are regarded as the

mainstay of the economic development of a country. Over

the years, especially after the nationalization, Indian

banking system has become quite complex and varied. No

longer is banking merely a process of financial

intermediation: it has evolved into a technology for

delivering a wide range of financial services.

The segment of financial system dealing with lending and

deposits of funds is represented by banking institutions.

Banks act as financial intermediaries, i.e. intermediaries of

saving and investment. The banking sector is laying greater

emphasis on providing improved services to their clients

and also upgrading their technology infrastructure, in order

to enhance the customer’s overall experience as well as

give banks a competitive edge. In the initial post

liberalization years, when private sector participation was

allowed in the banking sector many experts expressed

concerns about the public sector’s ability to sustain the

competitive pressure as new private sector banks brought

the necessary competition into the industry. But public

sector banks have not only withstood the pressure and also

improved for the better in the light of the tough

competition. Technology, customer focus, quality of service

etc. which were the distinguishing features of private sector

banks, have now become part of the public sector banks as

well.

Today, the bank management of India is facing a two

faceted challenge- to improve their profitability on the one

hand and to serve the public in new ways and means with




greater efficiency and effectiveness on the other. In the

noble task of fulfilling the socio- economic responsibilities,

commercial viability of the banking should not be ignored.

Although, profits are no longer the be-all and end- all of

banking business; nevertheless any concern for healthy

growth, long- term viability and lasting contribution of

banks must accord due emphasis on performance. It

becomes necessary to keep a continuous watch on the

performance of this vital sector of economy.

II. REVIEW OF LITERATURE

A number of studies have been conducted in India and

abroad to study the various aspects of operational

performance evaluation in the banking sector. These studies

have been reviewed critically with a view to understand the

research methodology, research findings etc. And to

identify the gap that exists in the literature in this area.

These studies have been placed in chronological order.

Uppal (2010) studied the extent of mobile banking in

Indian banking industry during 2000-07. The study

concluded that among all e-channels, ATM is the most

effective, while mobile banking does not hold a strong

position in public sector banks and old private sector banks.

In new private sector banks and foreign banks, mobile

banking is good enough with nearly 50 per cent average

branches providing mobile banking services. Mobile

banking customers are also the highest in banks providing

electronic services, which have a positive impact on net

profits and business per employee of these banks. Among

all, foreign banks are on the top position followed by new

private sector banks in providing mobile banking services;

and their efficiency is also much higher as compared to

other groups. The study also suggested some strategies to

improve mobile banking services.

Prasad and Ravinder (2011) analyzed the profitability of

four major banks in India, i.e., State Bank of India, Punjab

National Bank, ICICI Bank and HDFC Bank for the period

2005-06 to 2009-10. Statistical tools like arithmetic mean,

one-way ANOVA, Tukey HSD Test have been employed

for the purpose of study. The profitability of these banks

have been evaluated by using various parameters like

Operating Profit Margin, Gross Profit Margin, Net Profit

Margin, Earning per Share, Return on Equity, Return on

Assets, Price Earning Ratio and Dividend Payout Ratio.

The study revealed that State Bank of India performed

better in terms of earning per share and dividend payout

ratio, while Punjab National Bank performed better in terms

of operating profit margin and return on equity. The study

found that HDFC Bank outperformed in terms of gross

profit margin, net profit margin, return on assets and price

earning ratio. The study evidenced that ICICI Bank paid

highest portion of earning as dividends to shareholders.

Analysis ranked HDFC Bank on the top position followed

by Punjab National Bank, State Bank of India and ICICI

Bank.

Mishra et.al (2013) analyzed the soundness and the

efficiency of 12 public and private sector banks based on

market cap. CAMEL approach has been used over a period

of twelve years (2000-2011), and it is established that

private sector banks are at the top of the list, with their

performances in terms of soundness being the best. Public

sector banks like Union Bank and SBI have taken a back

seat and display low economic soundness in comparison.

The present study makes an attempt to measure the

efficiency change of these selected banks operating in India

during 2010-2012. By using frontier based non-parametric

technique, Data Envelopment Analysis (DEA), provides

significant insights on efficiency of different banks and

places private sector ones at an advantage situation and

thereby hints out the possibility of further improvisation of

most of the public sector banks. DEA results exhibit that

among the public sector banks, the performance of Bank of

India, Canara Bank and Punjab National Bank got

dampened in the last two years under study where as among

the private sector banks, except the case for Axis Bank

which was not found to be satisfactory at all, the remaining

private sector banks shows marked consistency at their

efficiency level during the period under study.

Mehotra et.al (2014) analysed the performance

management includes activities which ensure that goals are

consistently met in an effective and efficient manner.

Performance management can focus on the performance of

an organization, a department, employee, or even the

processes to build a product or service, as well as many

other areas. Professionals are often found discussing about

performance management practices in organization even

when they themselves are not aware of the proper meaning,

evaluation criteria and applicability of various performance

management practices. Performance management system is

ensured in every organization irrespective of the size,

nature and purpose of the organization. This study was

conducted in tier III cities like Bareilly, Moradabad, and

Rampur of Uttar Pradesh, where a large number of banks

providing financial and other banking services are present.

The focus of the study was on assessing the level of

awareness of banking professionals regarding various

performance appraisal methods.

Taneja et.al (2015) analysed the impact of employees’

fairness perception on their attitude and behavior. The study

used data from 219 employees belonging to two public

sector banks and two private sector banks in India, and

factor analysis was applied to confirm the structure of

justice and outcome measures. Multiple hierarchal

regression analysis was applied to establish the underlying

relationship between appraisal fairness perception and

employees’ reactions. The results reported that

informational and distributive justice predicted performance

appraisal system satisfaction and satisfaction with feedback.

All types of justice perception influence employees’

satisfaction with rater; distributive justice is a key




determinant of rater satisfaction, followed by interpersonal,

procedural and informational justice. Intention to quit is

negatively influenced by procedural fairness and

distributive fairness. None of the justice perception

predicted pay satisfaction and work performance.

Integrating previous justice researches, this study has

attempted to examine the importance of employees’

fairness perception. The results suggest that justice should

be of prime importance for organizations in order to

generate positive outcomes for performance appraisal

systems. The findings supported the current theories of

appraisal justice to cross-cultural boundaries.

Mohd Mustafa1 et.al (2017) analysed the operational

efficiency, service quality and managerial effectiveness are

the main areas to observe the performance of a bank. The

financial performance of a bank can be measured as the

achievement of the bank in terms of profitability position,

service quality, customer satisfaction and other relevant

aspects. The profitability of a bank denotes the efficiency

with which a bank deploys its total resources to optimize its

net profits and thus serve as an index to the degree of asset

utilization and managerial effectiveness. At present, the

Indian banking system faces a number of difficult

challenges. In such a scenario, the present study is an

attempt to measure the financial performance of the second

largest public sector bank of India i.e. Punjab National

Bank. This study is entirely based on secondary data and

different ratios have been applied to evaluate the financial

performance of the bank along with regression analysis

with the help of SPSS 20.0. The study concluded that the

selected bank has performed well on the sources of growth

rate and financial efficiency but profitability position has

been found poor during the study period.

OBJECTIVES OF THE STUDY

The objective of the study is as follows:

1. To assess the operational performance of public and

private sector banks by following operational

performance indicator:

i) Branch Expansion

ii) Deposit Mobilization

iii) Credit Deployment

2. To compare the operational performance of public

and private sector banks working in India.

III. DATA AND METHODOLOGY

STATEMENT OF PROBLEM

In India the public and private sector banks play a vital role

in the economy. They indirectly motivate the each other’s

and foreign sector banks by offering a healthy competition

to each others. Today public and private sector banks help

in introducing a high degree of professional management

and marketing concept into banking. It helps both to

develop similar skill and technology. The Public and

private sector banks provide a healthy and positive

competition on general efficiency levels in the banking

system. The public and private sector banks help the Indian

companies and the government agencies to meet their

financial requirements from international capital markets.

In this way they help to a large extent in the promotion of

trade and industry in the country. The public and private

sector banks are always trying to innovate new products

avenues (new schemes, services, etc.) and make the indus-

tries to achieve expertise in their respective fields by

offering quality service and guidance. They introduce new

technology in the banking service. Thus, they lead the other

banks in various new fields, for example, introduction of

computerised operations, credit card business, ATM

service, etc. The importance of public and private sector

banks in Indian financial system over the last 15 years has

been tremendous. Performance evaluation is the primary

goal of all banks because of tough competition in the

financial market. Without evaluating the performance the

banks will not survive in the long run.

SCOPE OF THE STUDY

The study will cover a period of 16 years from 2001-02 to

2016-17.

RESEARCH DESIGN

The research design used for the study is descriptive and

analytical in nature.

SAMPLE SIZE

All private sector banks and all public sector banks have

been selected for the study purpose. The detail of these

banks as given below:

Sr. No Name of Private Banks Name of Public Banks

1 HDFC Bank SBI

2 ICICI Bank Bank of Baroda

3 Kotak Mahindra Bank Punjab National Bank

4 Axis Bank Central Bank

5 Indusind Bank Canara Bank

6 Yes Bank Bank of India

7 IDFC Bank Indian Bank

8 RBL Bank IDBI Bank

9 Federal Bank Union Bank




10 City Union Bank Vijaya Bank

11 Karur Vysya Syndicate Bank

12 DCB Bank IOB

13 South Indian Bank Ltd. Corporation Bank

14 Karnataka Bank UCO Bank

15 JK Bank Allahabad Bank

16 Lakshni Vilas Oriental Bank

17 Dhanlaxmi Bank Andhra Bank

18 RETF Gold Bank of Maharashtra

19 Nainital Bank Ltd. United Bank

20 Capital Small Finance Bank

Ltd.

Dena Bank

21 Krishna Bhima Samrudhi

Local Area Bank Ltd.

Punjab and Sind Bank

22 Equitas Small Finance Ltd.

23 Subhadra Local Area Bank

Ltd.

24 Coastal Local Area Bank

Ltd.

25 Bandhan Bank Ltd.

26 Catholic Syrian Bank Ltd.

(Source:http://www.rbi.ord.in/banksinindia.aspx dated 25

May 2017)

DATA TYPE AND SOURCE OF DATA

COLLECTION

Secondary data will be used to fulfill the objective of this

study and data will be collected from various sources such

as Statistical Tables relating to Banks of India, Trends and

progress of Banks in India, RBI Monthly Bulletin Published

by RBI and Annual reports of banks.

IV. TOOLS AND TECHNIQUES USED

After reviewing the related literature the various indicators

were identified to access the performance of private sector

banks. Various statistical tools will be applied to analyze

the secondary data. To assess and compare the operational

performance of public and private sector banks, Branch

Expansion, Deposit Mobilisation, Credit Development will

analysed. Mean, standard deviation, coefficient of variation,

EGR are used for assessing operational performance and

profit performance.

OPERATIONAL PERFORMANCE OF PUBLIC AND

PRIVATE SECTOR BANKS IN INDIA

The present chapter undertakes the analysis in terms of

operational performance and growth of public and private

sector banks in India by taking into consideration the

following variables:

1. Branch Expansion

2. Deposit Mobilization

3. Credit Deployment

BRANCH EXPANSION

Indian banking system is largely branch banking system.

The branch expansion policy of the banking sector seeks to

achieve two extensive objectives, narrowing down regional

imbalances and providing banking facilities to pastoral and

mistreated areas. The policy mainly focuses on opening

more offices in rural, and semi- urban areas and centers

which have few or no branches. As per fresh set of

guidelines released by RBI, banks need to open at least

25% of their banking outlets in a year in unbanked rural

centers. The Reserve Bank of India has permitted the

opening of mini branches across the country.

BRANCH EXPANSION IN PUBLIC SECTOR BANKS

IN INDIA

The data relating to branch expansion of public sector

banks in India, their exponential growth rate, Standard

Deviation and coefficient of variation are presented in

Table 1 The number of public sector bank branches shows a

constant growth in public sector banks working in India.

The exponential growth rate of branches for all the public

sector banks, as computed at the end of March 2017, was

3.834 per cent. At the end of March 2017, Corporation

Bank showed the premier exponential growth (8.802%),

followed by Andhra Bank (6.53%). Lowest exponential

growth rate was witnessed in the case of Central Bank of

India (2.656%), followed by Bank of Maharashtra

(2.806%). In 2017, State Bank of India recorded the

maximum number of branches (17170), followed by Punjab

National Bank (6938).The reason for maximum number of

branches of SBI is merger of all state banks in to State

Bank of India. The minimum number of branches was

recorded in the case of Punjab and Sind Bank (1466), and

followed by Dena Corporate Centre (1874). In the year

2001, maximum number of branches were witnessed in the

case of State Bank of India (9072), and followed by Punjab

National Bank (3878). The minimum number of branches

were witnessed in the case of State Bank of Mysore (603),

followed by State Bank of Travancore (671). All the public

sector banks taken together under study had average

number of 60178 branches. Maximum average number of

branches had been recorded for State Bank of India

(12160), followed by Punjab National Bank (4946), while

minimum average branches had been recorded in the case

of State Bank of Mysore (701), followed by State Bank of

Travancore (802).




The coefficient of variation regarding branch expansion in

public sector banks was highest in the case of Corporation

Bank (49.19%), followed by Canara Bank (36.66%), while

it was lowest in Central Bank of India (16.05%), and

followed by State Bank of Mysore (16.27%).

BRANCH EXPANSION IN PRIVATE SECTOR

BANKS IN INDIA

The data relating to branch expansion of private sector

banks in India, their exponential growth rate, Standard

Deviation and coefficient of variation were presented in

Table 2 The number of private sector bank branches shown

a regular expansion in private sector banks working in

India. The exponential growth rate of branches for all

private sector banks, as computed at the end of March 2017

was 15.37 per cent. At the end of March 2017, Equities

small Finance Bank Limited registered the premier

exponential growth (27.89 %) followed by Kotak Mahindra

Bank Limited (27.52%) and Yes Bank (26.94%). Lowest

exponential growth rate was witnessed in the case of RBL

Bank Limited (1.94%), followed by Catholic Syrian Bank

Limited (2.56%) and Dhanluxmi Bank Limited (3.76%). In

the year 2001, the maximum number of branches were

recorded in the case of Federal Bank (411), followed by

Jammu and Kashmir Bank limited (383) and ICICI Bank

(354). 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 2001, maximum

number of branches were witnessed in the case of Federal

Bank Limited (411), followed by Jammu and Kashmir

Bank Limited (383) and South Indian Bank Limited (372).

The minimum number of branches were witnessed in the

case of Krishna Bhima Samruddhi Local Area Bank

Limited and Subhadra Local Area Bank Limited (02),

followed by Costal Local Area Bank Limited (04) and

Capital Small Finance Bank Limited (08). Maximum

average number of branches were recorded in the case of

ICICI Bank (1954), followed by HDFC Bank (1792) and

Axis Bank (1186), while minimum average number of

branches were recorded in the case of South Indian Bank

Limited (06), followed by Krishna Bhima Samruddhi Local

Area Bank Limited (22) and Capital Small Finance Bank

Limited (27). All the private sector banks taken together

under study recorded an average number of 10855

branches.

The coefficient of variation regarding branch expansion in

private sector banks was highest in the case of YES Bank

(114.58%), followed by Kotak Mahindra Bank Limited

(114.14%) and Indusind Bank Limited (95.81%), while the

ratio was lowest in RBL Bank Limited (8.27%), and

followed by IDFC Bank Limited (11.28%) and Catholic

Syrian Bank Limited (14.82%).

V. DEPOSIT MOBILIZATION

Deposit mobilization is a vital purpose of commercial

banks. Commercial banks have to stimulate resources in the

form of deposits for beneficial lending. In fact, the growth

rate and market share of a bank depends mainly upon its

deposits mobilization effort. Mutually, banks grasp the

major resources through deposits. Banks are able to

produce 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 of credit creation also depends on the quantum,

types and possession of deposits. Size of the deposits,

decide the sketch of lending activities of the bank system in

the country. While size is important, the composition and

source of deposit is more important from the feature of cost

and intermediation. Since their lending and profit earning

capacities depend upon deposits with banks.

DEPOSIT MOBILIZATION BY PUBLIC SECTOR

BANKS IN INDIA

There was raise in the deposits mobilized by Public Sector

Banks operating in India during the period of study. The

data relating to deposits mobilized by public sector banks

has been presented in Table no 3 State Bank of Patiala

(82.071%) recorded the highest exponential growth in

deposit mobilized during the study period. During the same

period, Punjab and Sind Bank showed the lowest

exponential growth (13.97%) in deposit mobilized. At the

end of March 2017, State Bank of India mobilized the

maximum amount of deposits (Rs. 204475139 lakh). On the

other hand, Punjab and Sind Bank showed lowest level of

deposits (Rs. 8554016 lakh). Average deposits for the years

2001 to 2017 of all public sector banks taken together under

study were Rs. 675743812.1 lakh. State Bank of Patiala had

highest average deposits (Rs. 330480366 lakh), followed by

State Bank of India (Rs. 82966327 lakh) and Bank of

Borada (Rs. 27170383 lakh). On the other hand, State Bank

of Indore recorded lowest average deposits (Rs. 1623479

lakh), followed by State Bank of Mysore (Rs. 3308710

lakh) and State Bank of Jaipur (Rs. 4188354 lakh).

Maximum variation in deposits was witnessed by State

Bank of Patiala (129.7171.33 % C.V.), followed by Bank of

Borada (78.35 % C.V.) and Andhra Bank (75.08% C.V.),

whereas minimum variation was recorded for State Bank of

Indore (56.41% C.V.), followed by Central Bank of India

(62.10% C.V.) and UCO Bank (63.85% C.V.).

DEPOSIT MOBILIZATION BY PRIVATE SECTOR

BANKS IN INDIA

Table 4 portrays an increasing trend in the deposits

mobilized by private sector banks operating in India during

the period 2001 to 2017. In 2017, highest deposit

mobilization was found in the case of HDFC Bank

(Rs.64364000 lakh), followed by ICICI Bank (Rs.

49003900 lakh) and Axis Bank (Rs. 49003900 lakh). The




least deposit mobilization was found in Subhadra Local

Area Bank Limited (Rs. 3964.28 lakh), followed by Capital

Small Finance Bank Limited (Rs. 237821 lakh) and Equitas

Small Finance Bank Limited (Rs. 670018.52 lakh). At the

end of March 2001, ICICI Bank mobilized the maximum

amount of deposits (Rs. 1637821 lakh), followed by HDFC

Bank (Rs. 1165811 lakh) and Jammu and Kashmir Bank

Limited (Rs. 1116808 lakh). On the other hand, Subhadra

Local Area Bank Limited showed lowest level of deposits

of (Rs. 731 lakh), followed by Capital Small Finance Bank

Limited (Rs. 11577 lakh) and YES Bank (Rs. 25635 lakh).

IDFC Bank Limited recorded the highest exponential

growth rate (91.90%) in deposit mobilized during the study

period, followed by Equities Small Finance Bank Limited

(49.04%) and Tamilnad Mercantile Bank Limited

(48.46%). During the same study period, Catholic Syrian

Bank Limited showed the lowest exponential growth rate

(11.08%) in deposit mobilized with Subhadra Local Area

Bank Limited ahead at (11.14%) and DCB Bank Limited

(11.39%). Axis Bank, HDFC Bank and ICICI Bank,

Bandhan Bank Limited and YES 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 2001 to 2017 of all private sector banks taken

together under study amounted to Rs. 90081663 lakh. The

maximum average deposits were recorded in the case of

ICICI Bank (Rs. 21785915 lakh), followed by HDFC Bank

(Rs. 20078045 lakh) and Axis Bank (Rs. 14711214 lakh),

whereas minimum average deposits Shown by Subhadra

Local Area Bank Limited (Rs. 2819 lakh), followed by

Coastal Local Area Bank Limited (Rs. 10682 lakh) and

Capital Small Finance Bank Limited (Rs. 72449 lakh).

The coefficient of variation regarding deposits in private

sector banks was highest in RBL Bank Limited (153.51%),

followed by the Kotak Mahindra Bank Limited (128.32%)

and YES Bank (116.71%), while it was lowest in the case

of Equitas Small Finance Bank Limited (45.72%), and

followed by Bandhan Bank Limited (50.84%) and Jammu

and Kashmir Bank Limited (56.71%).

CREDIT DEPLOYMENT BY PUBLIC SECTOR

BANKS IN INDIA

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.

CREDIT DEPLOYMENT BY PUBLIC SECTOR

BANKS IN INDIA

The data relating to credit deployment by public sector

banks has been presented in Table 5 Public sector banks

witnessed the moderate growth in credit. The annual growth

rate of credit extended ranged from 14.34 per cent of all

public sector banks under study. The annual growth rate of

credit was highest in the case of State Bank of Indore

(23.95%), followed by Andhra Bank (19.98%), and Vijaya

Bank (19.16%), while it was lowest in the case of Central

Bank of India (13.33%), and followed by State Bank of

Hydrabad (14.69%) and Dena Corporate Centre (15.74%).

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 Indore

(23.95%), Andhra Bank (19.98%), Vijaya Bank (19.16%),

and State Bank of Mysore (18.39%), State Bank of Patiala

(18.03%), and State Bank of Travancore (16.77%). The

banks showing lower exponential growth in credit as

compared to overall exponential growth of all public sector

banks were, Central Bank of India (13.33%), and followed

by State Bank of Hydrabad (14.69%) and Dena Corporate

Centre (15.74%), Indian Overseas Bank (15.98%), Union

Bank of India (16.51%). At the end of March 2017,

maximum credit extended by State Bank of India (Rs.

157107838 lakh), while the minimum credit extended by

Punjab and Sind Bank (Rs. 5833453 lakh). Average credit

deployment for the years 2001 to 2017 of all public sector

banks taken together under study stood at Rs. 195611246

lakh. State Bank of India exhibited highest average credit

(Rs. 65513735 lakh), followed by Punjab National Bank

(Rs. 19108958 lakh) and Bank of India (Rs. 17875675

lakh), whereas State Bank of Indore recorded lowest

average credit (Rs. 1190872 lakh), followed by State Bank

of Mysore (Rs.2551302 lakh) and State Bank of Hydrabad

(Rs. 3003546 lakh).

Maximum variations in credit deployment were witnessed

by Bank of Borada (85.96% C.V.), followed by Bank of

Maharashtra (96.98% C.V.) and Corporation Bank (96.9 %

C.V.). However, minimum variation had been registered for

State Bank of Hydrabad (53.08% C.V.), followed by State

Bank of Indore (59.27% C.V.) and State Bank of Patiala

(64.22% C.V.).

CREDIT DEPLOYMENT BY PRIVATE SECTOR

BANKS IN INDIA

The data relating to credit deployment by private sector

banks has been presented in Table 6 Private sector banks

witnessed the high growth in credit as compare to public

sector banks. The annual growth rate of credit extended




ranged from 17.69 per cent of all private sector banks under

study. The annual growth rate of credit was highest in the

case of YES Bank (49.01%), followed by HDFC Bank

(34.85%) and RBL Bank Limited (33.23%), while it was

lowest in the case of Subhadra Local Area Bank Limited

(8.87%) followed by Equitas Small Finance Bank Limited

(9.74%) and Jammu and Kashmir Bank Limited

(11.24%).In 2001, highest credit deployment was found in

the case of ICICI Bank (Rs.703146 lakh), followed by

Kotak Mahindra Bank Limited (Rs.505635 lakh) and Fedral

Bank Limited (Rs. 485413 lakh). The least credit

deployment was found in the case of Subhadra Local Area

Bank Limited (Rs. 698.46 lakh), followed by Costal local

Area Bank Limited (Rs. 1592.63 lakh) and Capital Small

Finance Bank Limited (Rs. 10563.86 lakh). At the end of

March 2017, maximum credit was extended by HDFC

Bank (Rs. 55456800 lakh), while the lowest credit was

extended by Subhadra Local Area Bank Limited (Rs.

2722.77 lakh). Average credit deployed from the year 2001

to 2017 of all private sector banks taken together under

study amounted to Rs. 75487967 lakh. The maximum

average credit deployment was recorded in ICICI Bank (Rs.

21259243 lakh), followed by HDFC Bank (Rs. 15996725

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

minimum credit had been registered for Subhadra Local

Area Bank Limited (Rs. 2674 lakh), followed by Costal

local Area Bank Limited (Rs. 8539 lakh).

The coefficient of variations regarding credit in private

sector banks was highest in the case of RBLB Bank

(157.33%), followed by YES Bank (124.51%) and Kotak

Mahindra Bank Limited (111.09%), while lowest variations

had been recorded by IDFC Bank limited (20.72%), Equitas

Small Finance Bank Limited (35.36%) and Bandhan Bank

Limited (36.25%).

VI. CONCLUSION

From the above analysis, it is concluded that the total

number of branches witnessed a stable growth during

the entire period covered by the study (2001 to 2017)

both in the case of public and private sector banks.

This will show the progress if Indian Banking system

in the country.

Both Public and private sector banks in India have

shown great achievement in the field of deposit

mobilization. Deposits of public sector banks recorded

an exponential growth rate of 30.781 per cent while

private sector banks recorded 17.91 per cent during the

study period. The growth in deposits is also influenced

by demonetization.

Both Public and private sector banks under study have

shown reasonable growth in credit deployment. The

annual growth rate of credit deployed ranged from 13%

to 19% in the case of public sector banks and 8 % to

34% for private sector banks under study.

The total deposits of public sector banks in India

moved from Rs.9936008 lakh in 2001 to Rs.

727632408 lakh in 2017 under study, while total

deposits of private sector banks under study moved

from Rs. 9637178 lakh in 2001 to Rs. 259365429 lakh

in 2017.

The total credit deployment in the case of public sector

banks increased from Rs. 41061635 lakh in 2001 to Rs.

350478454 lakh in 2017.The credit deployment in the

case of Private Sector Banks increased from Rs.

5333199.95 lakh in 2001 to Rs. 216933635.4 lakh in

2017.

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Mahamaya Publishing House, New Delhi.

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JBM) e-ISSN: 2278-487X, p-ISSN: 2319-7668.

Volume 13, Issue 4 (Sep. - Oct. 2013), PP 45-50

www.iosrjournals.org

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H. K. Publishers, Delhi.

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ksinindia.aspx#IB

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Finance Mumbai, (issues of relevant years)

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economy/

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2/B0601020515.pdf

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92923

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65767

http://www.iosrjournals.org/

https://www.ibef.org/industry/banking-india.aspx

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https://www.rbi.org.in/commonman/english/scripts/banksinindia.aspx#IB

http://www.herald.co.zw/role-of-banks-in-the-economy/

http://www.herald.co.zw/role-of-banks-in-the-economy/

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http://www.ijbmi.org/papers/Vol(6)1/Version-2/B0601020515.pdf

https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2692923







TABLE NO-I Branch Expansion in Public Sector Banks in India

Sr No. Year 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Mean SD CV EGR

1 SBI 9072 9085 9081 9084 9086 9143 9270 10183 11472 12495 13675 14097 14816 15869 16333 16784 17170 12160 3068.67 25.24 4.068

2 SBBJ 790 793 794 805 813 816 830 847 857 867 965 1056 1135 1168 1241 1360 NA 946 180.082 19.04 3.691

3 SBOH 878 885 895 904 915 930 939 992 1022 1132 1286 1396 1502 1632 1897 2000 NA 1200 365.305 30.44 5.643

4 SBOM 603 603 604 616 627 634 637 650 664 689 693 726 779 812 850 1037 NA 701 114.102 16.27 3.686

5 SBOP 723 723 738 742 745 753 766 802 848 890 967 1082 1168 1216 1387 1445 NA 937 238.671 25.47 4.726

6 SBOT 671 675 671 679 689 694 707 713 730 753 812 889 943 986 1064 1157 NA 802 152.196 18.98 3.696

7 AB 1901 1915 1924 1926 1930 1932 2006 2135 2217 2261 2387 2496 2675 2840 3107 3209 3246 2359 471.19 19.97 3.4

8 An. B 1019 1069 1100 1112 1123 1148 1194 1363 1425 1549 1639 1705 1798 1863 1897 1953 2803 1515 450.711 29.74 6.53

9 BOB 2668 2668 2680 2680 2680 2687 2727 2845 2915 3088 3345 3769 4016 4297 4851 5330 5422 3451 952.585 27.6 4.531

10 BOI 2534 2548 1548 2550 2551 2563 2635 2845 2935 3093 3286 3645 3970 4225 4369 4562 4963 3225 892.557 27.68 4.291

11 BOM 1218 1220 1233 1256 1280 1287 1331 1365 1407 1436 1493 1589 1728 1854 1880 1891 1897 1492 252.181 16.9 2.806

12 CB 2404 2408 2424 2476 2519 2551 2588 2690 2740 3050 3263 3600 3728 4755 5682 5849 6083 3459 1268.31 36.66 5.973

13 CBOI 3110 3115 3117 3121 3130 3143 3184 3324 3533 3587 3689 3941 4294 4385 4469 4677 4730 3679 590.532 16.05 2.656

14 Co.B 653 659 685 726 769 794 884 964 1035 1108 1356 1568 1707 2021 2298 2440 2517 1305 641.938 49.19 8.802

15 DCC 1096 1033 1036 1036 1042 1039 1034 1071 1093 1124 1234 1342 1464 1633 1739 1846 1874 1279 301.021 23.54 3.409

16 IBB 1424 1320 1342 1358 1369 1395 1438 1524 1612 1758 1863 1958 2092 2253 2412 2565 2682 1786 448.807 25.13 4.035

17 IOB 1436 1446 1433 1481 1520 1523 1651 1879 1927 2022 2367 2568 2992 3265 3381 3397 3373 2215 759.736 34.29 5.483

18 OBC 932 969 988 1033 1138 1161 1224 1344 1422 1530 1763 1864 1930 2126 2251 2351 2353 1552 496.245 31.98 5.955

19 PNB 3878 3858 3871 3889 4005 4028 4039 4178 4327 4735 5278 5670 5874 6201 6560 6760 6938 4946 1114.08 22.52 3.702

20 SB 1733 1749 1741 1788 1817 1897 2072 2188 2246 2328 2495 2709 2986 3249 3552 3764 3933 2485 729.011 29.33 5.254

21 UBI 2054 2022 2020 2032 2050 2095 2210 2361 2558 2805 3016 3201 3511 3871 4081 4200 4282 2845 827.498 29.08 4.699

22 Un.BI 1314 1305 1299 1302 1306 1316 1324 1399 1445 1526 1763 1892 1929 2001 2004 2011 2053 1599 304.856 19.06 2.828

23 P &SB 746 842 859 926 978 1021 1058 1087 1098 1112 1128 1157 1198 1223 1258 1286 1466 1085 175.204 16.15 4.313

24 UCOB 1721 1715 1710 1718 1730 1749 1857 1945 2058 2139 2236 2456 2614 2894 3020 3077 3104 2220 516.765 23.28 3.755

25 VB 842 827 843 879 910 924 978 1053 1101 1157 1242 1300 1359 1512 1618 1863 2031 1202 358.045 29.78 5.656

Total 45420 45453 44634 46119 46722 47223 48583 51747 54687 58234 63241 67676 72208 78151 83201 86814 82920 60178 14856.9 24.69 3.834

Source: Compiled from various issues of Statistical Tables relating to Banks in India, Published by RBI.




Table no-2 Branch Expansion in Private Sector Banks in India

Sr No. Year 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Mean SD CV

1 Axis 86 110 140 190 247 349 491 626 786 983 1390 1622 1947 2402 2589 2904 3304 1186 1049.632 88.48433

2 CSBL 284 284 289 294 300 312 330 346 360 360 364 372 390 430 426 429 426 353 52.2874 14.82465

3 CUBL 111 120 123 129 136 141 163 182 209 224 246 300 375 425 475 525 550 261 147.4175 56.52

4 DCBB 58 61 63 65 67 68 68

77 80 88 92 98 102 124 160 198 262 102 54.30224 53.32976

5 DHAN 155 159 163 169 173 178 181 181 181 268 289 294 294 280 280 280 280 224 56.62076 25.29705

6 FBL 411 413 420 434 454 466 531 601 611 671 771 978 1128 1174 1247 1252 1252 754 327.8363 43.49319

7 HDFC 131 171 201 240 446 515 639 745 1408 1725 1986 2544 3062 3403 4014 4520 4715 1792 1573.328 87.79441

8 ICICI 354 358 446 489 508 557 703 1249 1409 1699 2500 2750 3100 3753 4050 4450 4850 1954 1543.213 78.96048

9 IND BL 32 40 53 88 116 137 172 182 182

210 300 500 500 602 801 1000 1200 360 344.6695 95.81522

10 JKB 383 398 412 424 435 445 480 491 491

572 626 704 777 817 857 865 873 591 178.8291 30.24868

11 KBL 352 356 366 374 386 400 415 436 451 469

478 503 550 600 675 725 773 489 128.5107 26.29271

12 KVBL 208 212 214 228 233 243 268 312 335 369

451 551 554 572 629 667 735 399 177.2293 44.4324

13 KMBL 28 34 39 42 54 65 105 178 217 250 322 356 438 605 684 1333 1369 360 410.8369 114.14

14 LVBL 210 212 217 219 222 223 231 236 247 266

289 328 361 400 459 502 504 302 101.8512 33.77575

15 NBL 58 61 63 65 68 79 80 87 92 101

108 112 116 121 121 123 130 93 24.2233 25.98082

16 RBLB 158 163 178 182 189 193 199 199 201 203 205 205 208 208 210 212 215 196 16.2065 8.278559

17 SIBL 372 380 393 408 422 424 466 489 519 572

598 608 672 794 834 850 863 568 170.2441 29.94702

18 TMBL 160 162 166 171 173 174 184 201 214 217

230 251 267 301 352 408 508 243 95.36174 39.17391

19 YES 22 24 25 27 28 30 40 67 117 150 214 356 430 560 630 860 1000 269 308.6977 114.5821

20 BBL NA NA NA NA NA NA NA NA NA NA NA NA NA 501 681 765 840 697 126.2386 18.11821

21 CSFBL 8 12 13 13 15 18 20 21 24 25

27 29 34 37 38 47 73 27 15.51001 58.07715

22 CLABL 4 8 10 12 13 14 17 17 18 20 21 23 28 30 50 50 45 22 13.66809 61.14671

23 KBSL 2 3 5 5 7 8 9 9 11 11 14 15 16 16 17 22 27 12 6.56245 56.63028

24 SLABL 2 3 3 3 4 4 4 5 5 5

6 8 8 9 10 11 11 6 2.87935 48.46431

25 IDFCB NA NA NA NA NA NA NA NA NA NA NA NA NA NA 56 67 74 66 7.408704 11.28229

26 ESFBL NA NA NA NA NA NA NA 45 85 98 137 159 187 207 264 399 412 199 119.2301 59.82442

Total 3588.806 3743.975 4002.728 4271 4696 5043 5796 6982 8253 9556 11664 13666 15544 18371 20609 23464 25291 10855 7129.02 65.67267





DEPOSIT MOBILIZATION BY PUBLIC SECTOR BANKS IN INDIA (Rs. In Lakh)

Sr

No. Year 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Mean SD CV EGR

1 SBI

25770

25

27056

014

296123

28

318618

67

367047

53

380046

05

435521

09

537403

95

742073

12

804116

23

9339328

1

1043647

36

1202739

57

1394408

51

1576793

24

1730722

44

204475

139 8296632

7

5704107

6.13

68.7520

805

31.43

78

2

SBB

J

13360

5

11661

00

132336

3

156423

1

190384

1

216936

2

284804

9

341084

3

392244

2

460588

4 5385233 6157209 7211622 7387473 8423927 9400485 NA 4188354

2765866.

983

66.0370

823

32.78

69

3

SBO

H

17489

3

17402

75

205989

4

242578

5

289295

1

340245

9

415026

7

501083

0

624489

1

729707

2 7958695 8635856 9856323

1132567

8

1301661

8.73

1371740

6.53 NA 6244368

4067969.

625

65.1462

145

33.75

19

4

SBO

I 69440

79184

5 921681

104186

6

138070

7

166607

1

199764

9

246988

1

283319

8

306244

8 NA NA NA NA NA NA NA 1623479

915895.7

439

56.4156

339

52.30

62

5

SBO

M 96427

85248

5 901312

110836

9

135851

7

163687

5

220223

5

274623

9

329157

7

388800

0 4322547 5018630 5696904 6156032 6606376 7056829 NA 3308710

2210049.

308

66.7949

007

33.13

56

6

SBO

P

13352

8

13947

10

178696

8

224732

8

264956

7

337777

1

391836

3

485705

4

600061

9

645519

4

6806605

12

7941660

12

8867208

38

8967315

63

9270492

24

1069536

611 NA 3304803

66

4286896

78.8

129.717

14

82.07

13

7

SBO

T

13541

8

13459

67

159262

8

197213

7

241330

1

259965

2

309840

1

353538

9

420419

2

508833

9 5815792 7146983 8462372 8933668 9107694

1011188

0 NA 4722738

3073683.

792

65.0826

616

33.31

44

8 AB

21025

1

22665

94

254633

8

314766

1

407620

8

484996

9

595436

6

716163

8

849717

9

106055

75

1318870

0

1595930

0

1787420

0

1908430

0

1934240

0

2006440

0

201870

00 1029506

3

6978518.

492

67.7850

944

33.01

35

9

An.

B

16733

8

18490

77

210618

5

229405

1

275507

1

339224

2

414540

2

494365

5

593900

3

776882

1 9215628

1058512

2

1237955

8

1418451

2

1550122

4

1743024

0

201870

22 7932009

5955483.

996

75.0816

607

34.92

5

10 BOB

58616

1

61804

46

663663

7

729673

2

813334

6

936619

9

124915

98

152034

13

192396

95

241261

93

3054394

8

3848711

1

4738833

4

5688943

9

6175595

2

5740378

7

601675

17

2717038

3

2128876

9.55

78.3528

509 33.57

11 BOI

55225

3

59710

60

644536

0

710031

1

788214

5

939320

3

119881

73

150011

98

189708

48

229761

94

2988858

1

3182160

3

3818395

9

4769740

5

5319066

3

5130045

2

540032

01

2425685

9

1806595

0.49

74.4776

982

33.16

58

12

BO

M

16518

3

19130

63

221757

5

264459

3

288441

7

269062

0

339193

4

417583

3

522549

2

633040

7 6684474 7652865 9433693 1680309

1221189

4

1389898

2

139052

84 5712154

4225469.

556

73.9733

13

31.92

46

13 CB

56874

2

64030

01

720948

2

863445

6

967959

1

116803

24

142381

44

154072

42

186892

52

234651

44

2394366

4

3270537

3

3558559

9

4207228

2

4738401

0

4797915

6

495275

24 2324547

0

1577707

8.99

67.8716

289

32.20

43

14

CB

OI

41854

0

47137

38

511651

2

559086

0

607516

8

664826

6

827762

8

110319

66

131271

86

162107

47

1793560

2

1961733

3

2260383

1

2400689

9

2555723

9

2661841

9

296671

19 1430688

5

8885662.

016

62.1075

917

30.51

45

15

Co.

B

18752

0

18924

27

217245

7

231909

3

272331

6

328765

3

423568

9

554244

2

739839

1

927336

7

1167475

0

1361422

0

1660054

5

1933930

1

1993458

2

2051708

4

220559

62 9574635

7431712.

159

77.6187

497

34.71

16

16

DC

C

17991

4

15354

69

164912

6

183491

8

208965

5

236230

7

276899

1

339431

9

430506

1

513442

8 6420962 7716680 9720715

1100276

9

1159360

8

1174309

6

113942

77 5579194

3998626.

272

71.6703

237

29.59

89

17 IB

21737

6

24038

84

270159

3

304444

0

348084

3

408055

2

470909

1

610459

5

725818

3

882276

6

1058041

8

1208038

0

1419801

6

1622748

2

1692252

7

1782858

4

182509

28 8759509

5925288.

009

67.6440

633

31.90

3

18 IOB

27707

6

31808

48

366985

9

414825

9

442412

3

505293

2

687404

2

843255

9

100115

89

110794

71

1452287

5

1784341

8

2021353

5

2279760

9

2460487

2

2245142

4

211342

63 1180698

6

7937927.

636

67.2307

73

31.11

41

19

OB

C

26794

4

28488

39

298090

9

356735

0

478503

3

501974

6

639959

7

778567

0

983688

6

120257

59

1390542

6

1559649

2

1758975

2

1934889

6

2040097

0

2089148

2

219339

39 1089321

7

7103161.

754

65.2071

993

31.69

43

20 PNB

58822

1

64123

48

758135

0

879164

0

103166

89

119684

92

139859

68

166457

22

209760

51

249329

80

3128987

3

3795884

8

3915600

6

4513967

5

5013786

4

5530511

3

621704

02 2607983

8

1851215

2.9

70.9826

229

33.81

44

21 SB

27441

1

28548

33

306605

4

425848

2

462945

7

536244

0

786335

7

951708

0

115885

14

117025

79

1355960

8

1579410

6

1853558

9

2123433

0

2553881

0

2617353

4

260560

86

1223583

9

8431095.

967

68.9049

25

32.92

12

22 UBI

36142

2

39793

86

447486

2

505589

4

618305

8

740943

0

851802

3

103858

65

138702

84

170039

74

2024612

9

2228689

5

2637615

7

2976755

4

3168699

2

3427200

1

378391

58

1645394

6

1166450

9.25

70.8918

649

33.73

51

23

Un.

BI

18364

7

19610

66

210312

9

227582

1

253483

8

292497

7

371666

6

469707

1

545359

0

681803

2 7784480 8911626

1006515

4

1115097

1

1088176

0

1164042

8

126939

25 6223364

3932268.

902

63.1855

884

30.30

94

24

P

&SB

10555

98

11904

71

124826

1

132236

2

136420

3

169245

8

193187

5

248314

1

346756

5

491550

9 5972319 6312396 7064150 8473016 8671472 9124996

855401

6 4402577

3029102.

303

68.8029

385

13.97

04

25

UC

OB

22264

1

26848

77

313433

9

392442

6

494702

3

545437

3

648600

1

799089

5

100221

56

122415

55

1452776

0

1540034

9

1734310

5

1995335

5

2143367

1

2071182

4

201284

51 1097687

1

7009457.

488

63.8566

101

32.51

43

26 VB

13143

4

14680

51

170198

1

210150

6

256179

8

277092

9

376044

9

479520

2

545354

2

619317

5 7324832 8305551 9701724

1242961

6

1263433

5

1254407

2

133011

95 6304670

4327635.

091

68.6417

372

33.45

16

Tota

l

99360

08

96056

874

106960

183

121574

438

140829

619

158263

907

193504

067

236470

137

300034

698

352435

236

1086746

089

1264139

094

1428235

638

1512454

985

1611268

009

1780794

530

727632

408

6757438

12.1

6187444

84.7

91.5649

501

30.78

07




Table 4 DEPOSIT MOBILIZATION BY PRIVATE SECTOR BANKS IN INDIA

Sr

No. Year 2001 2002 2003 2004 2005 2006

200

7 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Mean SD CV EGR

1 Axis

909220 122872

1

169647

2

209539

1

317119

9

401135

3

587

856

0

87626

22

117374

11

141300

22 2201045

0 18923780

252613

59

280944

56

322441

94

357967

56

414379

00 147112

14

1377

3261

93.624

23

26.961

06

2 CSBL 277581 319137 350620 388046 402111 428885

474

859

53176

1 633283 697835

872567 1060487

123416

3

136738

6

144744

9

144384

0

149156

0 789504

4528

65.1

57.360

7

11.081

23

3 CUBL 161162 197371 231737 284665 309523 351774

469

933

64249

6 820662

102845

9

1291428

.51 1634075.62

203047

6

220168

9

240749

6

271581

3

301157

4

112432

2

1036

274

92.168

78 20.08

4 DCBB 343049 369176 365709 447418 389476 312400

441

520

60748

5 464689 478733

633556 561017 836384

103251

6

126091

3

149259

9

192890

0 703855

4639

80.4

65.919

85

11.396

64

5 DHAN 149434 165724 183789 215577 233884 253268

308

796

36084

3 496880 709848

1025263 1180441

112021

3

121332

1

123816

8

113537

6

112936

8 654129

4486

38.9

68.585

69

13.474

72

6 FBL

766544 886531 109474

2

134766

9

151928

8

178787

4

215

844

4

25913

35

321981

9

360579

5 4301478 4893712

576148

6

597312

8

708249

9

791717

1

976645

6

380435

1

2717

357

71.427

61

17.239

78

7 HDFC

116581

1

176538

1

223760

7

304088

6

363542

5

557968

2

682

979

4

10076

860

142811

58

167404

44 2085864

1 24670645

296246

98

367337

48

450795

64

546424

19

643640

00 200780

45

1980

1654

98.623

42

28.491

95

8 ICICI

163782

1

320851

1

481693

1

681085

9

998187

8

165083

16

230

510

19

24443

104

218347

83

202016

60 2256021

1 25549996

292613

63

331913

66

361562

73

421425

71

490039

00 217859

15

1370

2372

62.895

55

23.665

27

9 IND BL

718713 840012 859787 112002

7

131142

8

150063

0

176

448

1

19037

41

221102

6

267101

7 3436537 4236155

541167

2

605022

9

741343

6

930003

5

126572

22

372977

3

3416

493

91.600

56

19.635

88

10 JKB

111680

8

129111

1

146749

0

186613

9

216449

7

234846

4

251

942

8

28593

26

330041

1

372371

6 4467594 5334690

642206

2

693358

6

657561

9

693902

5

724630

9 391625

1

2221

160

56.716

47

12.398

02

11 KBL

607550 700148 829172 940695 108370

5

132431

7

140

374

4

17016

19

203332

8

237306

5 2733645 3160832

360562

2

405828

3

460086

1

504882

1

567331

1 246345

4

1631

801

66.240

36

14.984

93

12 KVBL 361525 418006 512192 591148 667219 757684

934

031

12550

00

151014

0

192718

5 2472185 3211159

386529

8

437576

8

446902

7

500789

0

536998

1 221796

7

1787

947

80.611

97

18.369

46

13 KMBL 125635 251648 325486 458625 658634 786593

926

583

11532

64

140325

6

168644

2 2926097 3853652

510287

7

590723

3

748603

1

138643

02

157425

86

368582

0

4729

800

128.32

42

35.245

5

14 LVBL 227764 247692 277050 329581 349593 433637

501

987

56184

8 736091 907538

1114951 1411414

156189

8

185728

8

219642

1

254309

6

305533

5

107724

6

8861

82.2

82.263

67

17.617

88

15 NBL 53508 60801 66871 75880 93327 112504

148

065

17900

0 213723 250749

290876 330632

372362.

91

464958.

04

534404.

29

531058.

66

685278.

51 262588

1959

69.5

74.629

98

17.277

72

16 RBLB 31568 35986 45893 52658 68959 73569

876

39

11010

7 130705 158504 204216 473933 834052

115986

0

170992

5

243486

5

345880

9.2 651250

9997

56.5

153.51

35

34.115

81

17 SIBL

466855 591970 686127 828002 849232 957865

122

392

1

15156

12

180923

4

230115

2 2972108 3650053

442623

0

474910

9

519124

9

557207

3

661174

9

261191

4

2027

401

77.621

26

18.017

36

18 TMBL 319807 372999 408458 440428 482688 520287

601

988

76702

5 956604

116393

0 1380845 1713700 202400

226460

0

256500

0

303688

7

321901

5

120098

0

9994

77.6

83.221

84

15.525

32

19 YES 25635 34265 42653 55635 66303 291038

822

039

13273

42

161694

2

267985

2 4539900 4915200

669560

0

741920

0

911760

0

111720

00

142874

00

382991

8

4469

958

116.71

16

48.467

88

20 BBL NA NA NA NA NA NA NA NA NA NA NA NA NA 786982

102867

9

120887

5

232286

6 133685

1

6796

88.5

50.842

52

43.445

34

21 CSFBL

11577 18699 22568 28965.

63

39759.

37

40658.6

5

458

65.6

2

52156

.85

57869.6

5 59569

64791.95 81966.3

10865.3

2 126414 150678 181413 237821 72449

6458

7.31

89.148

3

20.792

85

22 CLABL

1896.3

4

2689.5

4

2975.3

9

3286.0

1

3786.5

2 3975.28

463

5.92

5552.

69 7342.22

10096.5

5 12178.66 15113.61

17360.2

1

18629.3

6

28962.0

6

32439.5

6 NA 10682

9519

.242

89.110

66

20.839

96




23 KBSL 156984 186956 268534 298716 315987 355628

456

862

56894

2 689751 765860 873256 987101

115148

7

131616

8

163104

8

185962

6

196930

5 814836

5887

77.7

72.257

21

17.126

08

24 SLABL 731 953 1033 1146

1358.9

6 1784.68

198

7.65

2204.

5 2671.47 2941.63 3448.92 3925.16 4072.32 4223.19 5054.85 6425.18 3964.28 2819

1632

.047

57.891

63

11.149

31

25 IDFCB NA NA NA NA NA NA NA NA NA NA NA NA NA 568910 659852 821900

402080

0

151786

6

1671

900

110.14

81

91.906

48

26 ESFBL NA NA NA NA NA NA NA

20236

5.4

216753.

4

236021.

4 256235.4 282342.4

306873.

8

325685.

3

485621.

2

570183.

4

670018.

52 355210

1624

04.3

45.720

64

49.044

81

Total

963717

8

131944

88

167938

97

217214

42

277992

61

387421

87

510

561

82

62181

611

703845

33

785104

34

7800058

0.9 110501946

135120

875

158194

736

182766

024

217417

460

259365

429

900816

63

7601

7239

84.387

03

17.916

17


643640

00

2204.5 2671.47

294

1.63

3448.

92 3925.16 4072.32 4223.19 5054.85 6425.18 3964.28

CREDIT DEPLOYMENT BY PUBLIC SECTOR BANKS IN INDIA (Rs. In Lakh)

Sr

No.

Yea

r 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Mean SD CV

EG

R

1

SBI 113590

27

120806

47

137758

46

157933

54

202374

46

261800

93

337336

49 41676820

542503

20

631914

15 7567194

5

8675

7889

104561

655

120982

872

130002

639

146370

042

157107

838

655137

35 48801139.03

74.489

94

17.

842

93

2

SBB

J 516813 593133 677333 859655

120361

9

158958

0

205262

2 2507594

298507

1

351763

9 4120665

4924

433

575349

7

641720

9

695484

2

729274

6 NA

324790

3 2316558.051

71.324

73

19.

299

1

3

SB

OH 709149 842259 966260

118136

8

155997

4

208630

2

281092

5 3184875

326791

7

338248

4 3444200

4065

300

459810

0

508620

0

532960

0

554180

0 NA 300354

5 1594321.956

53.081

35

14.

690

53

4

SB

OI 342748 428915 518295 640606 904066

118759

7

153513

8 1822433

216121

1

236770

8 NA NA NA NA NA NA NA

119087

2 705776.3675

59.265

53

23.

954

26

5

SB

OM 428671 491450 526067 630672 878125

117541

6

164655

3 2102715

256160

5

295358

6 3402981

3983

531

449325

7

494819

5

520258

6

539541

8 NA

255130

2 1764661.745

69.167

11

18.

393

19

6

SB

OP 683339 867879

107464

0

130863

4

153592

7

221800

2

287697

6 3640004

436341

2

463472

3 5143319

6293

449

737997

9

759365

6

786421

3

821857

1 NA 410604

5 2636744.686

64.216

16

18.

034

96

7

SB

OT 639750 743551 917066

111324

3

148483

4

188664

0

247862

8 2813662

327109

3

384612

6 4604423

5534

595

674836

2

694046

1

687206

1

654662

7 NA 352757

0 2303340.09

65.295

37

16.

770

68

8 AB

958270 109925

0

125436

0

153415

4

211508

3

291477

7

412900

4 4972047

588017

6

724370

0 9362489

1111

4510

129489

65

138006

57

149876

84

152372

05

158103

00

737427

2 5420405.939

73.504

28

19.

149

1

9

An.

B

742317 967772 115129

4

128854

7

175168

4

221004

3

278890

7 3423839

441392

6

561135

1 7143536

8322

298

983733

0

107644

20

125954

73

130787

89

136846

33 586918

6 4519229.425

76.999

26

19.

978

31

10

BO

B

274206

8

336629

9

353480

8

356008

8

434003

8

599117

8

836208

7 10670132

143985

90

175035

29 2286736

2873

7729

328185

76

397005

81

428065

14

383770

18

383259

22 175012

88 15044158.02

85.960

29

17.

920

25

11 BOI

318231

4

383107

8

426331

8

458559

0

555288

9

651737

5

849359

0 11347633

142909

37

168490

71 2130961

8

2488

3334

289367

50

370733

54

402025

54

359188

95

366481

67

178756

75 13125468.31

73.426

42

16.

501

58

12

BO

M

667253 825512 950814 117315

1

130616

5

164697

3

229193

9 2928581

342907

7

403147

0 4688077

5605

976

754707

8

889204

0

985991

0

107562

67

955152

3

447951

8 3448116.367

76.975

16

18.

096

32

13 CB

278317

7

331267

1

404716

0

476386

2

604214

0

794256

9

985056

9 10723804

138219

40

169334

63 2112682

9

2324

8982

242176

62

301067

48

330035

51

324714

82

342008

76 163880

87 11047034.47

67.408

93

16.

975

13




14

CB

OI

188333

8

212875

1

231592

2

228041

1

272773

2

374834

8

517954

7 7299743

854832

0

105383

49 1297254

1

1475

1285

171935

84

177315

17

188477

53

180009

59

139398

77

941694

0 6260729.021

66.483

69

13.

326

94

15

Co.

B

866610 109874

1

120291

7

138897

2

185463

7

239624

3

299496

5 3918557

485121

6

632025

6 8685040

1004

6902

118716

65

137086

30

145066

03

140322

24

140356

79

669293

3 5147119.766

76.903

8

19.

011

28

16

DC

C

700190 752296 843560 941179 113085

9

142312

4

183033

9 2302398

288779

6

354624

4 4482805

5669

254

657812

2

775537

7

789343

1

823283

3

725746

2 377807

5 2778899.629

73.553

33

15.

737

22

17 IB

943391 109083

6

122749

9

141260

9

183801

1

224846

4

290581

2 3983871

514652

8

621461

3 7524991

9032

360

105642

55

122208

99

125863

55

129049

08

127699

28 615384

3 4516894.728

73.399

58

17.

684

3

18 IOB

130955

1

151623

4

174470

0

202948

6

252051

9

347562

0

470602

8 6040182

748852

7

789991

6 1118329

8

1407

2443

160364

12

175887

77

171756

02

160860

67

140458

62

852466

0 6000098.92

70.385

2

15.

984

95

19

OB

C

110764

1

141578

7

156772

4

196807

6

252992

0

335772

5

441384

7 5456583

685003

7

834893

0 9590822

1119

7769

128955

06

139079

84

145261

30

148799

9

157706

00

684665

2 5059950.713

73.904

02

18.

056

68

20

PN

B

280290

5

343694

2

402281

2

472247

3

604127

5

746273

7

965965

2 11950157

154702

99

186601

21 2421066

7

2937

7476

308725

21

349269

13

380534

40

412325

80

419493

15 191089

58 13925281.88

72.873

06

18.

425

38

21 SB

131161

6

148846

6

163053

5

206469

3

267292

1

364662

4

516704

4 6405101

815322

7

904063

6 1067819

2

1236

2018

147569

02

173912

41

202719

82

201368

49

199669

35

924382

2 6846212.039

74.062

57

18.

551

36

22 UBI

175053

5

213833

1

255148

4

294259

1

401050

8

533799

5

623864

3 7426691

965342

3

119315

30 1509860

8

1778

8208

208102

19

229104

43

255654

57

267354

00

286466

58

124433

37 9254998.512

74.377

14

19.

088

26

23

Un.

BI

573935 682271 735169 796334 113896

8

155223

1

221563

2 2785811

353935

5

423300

4 5350244

6304

329

689086

6

657675

1

667630

4

680602

0

661393

0 373359

7 2491892.239

66.742

39

16.

506

41

24

P

&S

B

476482

518087 557674 589209 603001 893503

117212

2 1834331

246153

5

326391

1 4263785

4615

141

514307

9

572390

7

638701

8

639160

7

583345

3

314071

0 2237242.392

71.233

65

16.

947

91

25

UC

OB

100854

4

128053

7

159231

0

206264

4

276557

1

373775

8

469889

1 5508189

688038

6

825045

3 9907081

1155

4001

128282

86

149584

21

147350

87

125905

37

119724

45

743124

4 4844926.736

65.196

72

16.

722

75

26 VB

572001 619666 789134 110453

0

143357

9

166640

1

242235

5 3168922

354681

1

415066

8 4871863

5790

374

697657

6

815040

3

866958

6

889869

6

945488

9 425214

4 3085448.554

72.562

18

19.

162

95

Tot

al

410616

35

476173

61

544387

01

627361

31

801794

91

104493

318

136655

464

16989467

5

214572

735

254464

896

1993416

45

2600

0898

4

296472

716

340829

524

366222

495

345922

962

350478

454 195611

246 114806402.4

58.691

11

14.

340

89

Source: Compiled from various issues of Statistical Tables relating to Banks in India,

Published by RBI.




CREDIT DEPLOYMENT BY PRIVATE SECTOR BANKS IN INDIA

Sr

No. Year 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 Mean SD CV EGR EGR

1 Axis

48211

2 535230 717992 936295

156029

2

223142

3

368764

8

596611

4

815567

7

104340

95

169759

54

142407

83

196965

96

230066

76

281083

03

338773

72

373069

00

122305

57

123205

53

100.73

58

0.3123

21

31.232

1

2 CSBL

12629

7 121093 147070 189824 228933 269487 301264 331356 368384 446694

622002 776769 885152 870736 947196 785265 811893 484083 303141

62.621

67

0.1233

28

12.332

81

3 CUBL 87642 101105 121447 154697 201296 254953 332923 453706 564525 683346

925546

121374

6

152460

6

160968

4

179655

0

210569

2

238326

9 853808

768865

.7

90.051

38

0.2292

88

22.928

84

4 DCBB

20657

3 225925 248837 243952 215606 186732 265852 406880 327402 345971

528442 428169 658609 814019

104650

6

129213

9

158180

0 530789

418027

.4

78.755

84

0.1356

77

13.567

71

5 DHAN 88010 91771 108049 113860 141015 159435 183950 210203 319606 500626

906515 875805 777706 793596 766981 695268 644635 433943

318819

.5

73.470

37

0.1325

28

13.252

78

6 FBL

48541

3 518911 621752 770053 882259

117364

7

148991

0

189046

6

223918

8

269501

1

319532

3

377559

9

440967

0

434361

0

512849

9

580901

4

733362

7

275070

3

208698

9

75.871

12

0.1849

51

18.495

12

7 HDFC

46366

6 681372

117548

6

177445

1

255663

0

350612

6

469447

8

634268

9

988830

5

125830

59

159982

67

195420

03

239720

64

303000

27

365495

03

464593

96

554568

00

159967

25

171256

10

107.05

7

0.3485

26

34.852

61

8 ICICI

70314

6

470348

7

532794

1

620955

1

914051

5

146163

11

195865

60

225616

08

218310

85

181205

60

216365

90

253727

66

290249

44

338702

65

387522

07

435263

94

464232

00

212592

43

138159

15

64.987

8

0.2993

63

29.936

33

9

IND

BL

42368

8 557420 534785 730116 899975 931047

110842

0

127953

1

157706

4

205505

9

261656

5

350639

5

443206

1

551018

4

687882

0

884193

4

113080

51 312888

9

324663

0

103.76

3

0.2278

53

22.785

29

10 JKB

47629

0 642389 801095 928493

115171

4

144831

1

170799

4

188826

1

209304

1

230572

3

498161

1

501932

9

445858

2

463846

0

392004

1

330774

2

261936

4 249343

8

159349

8

63.907

66

0.1124

24

11.242

38

11 KBL

28282

2 341755 389970 466791 628744 779157 955268

108419

7

118100

4

144356

8

173482

7

207207

0

252076

8

283454

9

316799

9

339024

5

370036

5 158671

2

115245

5

72.631

65

0.1743

45

17.434

5

12 KVBL

22541

5 246003 334440 402324 461981 555544 704048 942153

104098

8

134470

0

178144

6

239491

9

294801

3

339921

3

361089

4

390843

8

409077

2

167007

6

141355

4

84.640

12

0.1986

06

19.860

59

13

KMB

L

50563

5 615364 726535 850634 905615

115632

8

124563

2

145262

8

163245

6

193493

2

293293

1

390792

3

484689

8

530276

3

661607

1

118665

30

136082

13

353571

1

392785

2

111.09

09

0.2284

93

22.849

32

14 LVBL

14802

3 156525 176370 203871 231771 295281 361271 385879 524583 627750

809442

101186

8

117028

0

128891

9

163520

2

196437

4

237289

1 786135

688100

.7

87.529

55

0.1893

49

18.934

89

15 NBL 12038 13080 17238 23551 36321 60347 79507 99486 113146 128842

158482 176582

215519

.2

243704

.3

255684

.6

268608

.4

320820

.3 130762

101137

.3

77.344

46

0.2277

41

22.774

09

16 RBLB 29853 31567 38256 42658 46823 48721 53052 58579 80111 117044 190517 413227 637621 983505

144498

3

212290

8

294490

4 546137 859275

157.33

69

0.3323

86

33.238

64

17 SIBL

24683

6 323105 361294 419682 536526 637023 791892

104537

5

118520

3

158229

2

204887

3

272807

4

318155

4

362298

6

373916

4

410857

5

463894

7 183514

1

151683

1

82.654

72

0.2012

29

20.122

87

18 TMBL

15883

5 177266 195998 211398 262624 312639 404672 533132 657169 828761

108714

1

138970

0

162560

0

171440

0

193360

0

225777

1

219723

2 938114

761217

.9

81.143

43

0.1784

42

17.844

17

19 YES 22365 30568 39865 54686 76098 240709 628973 943027

124030

9

221931

2

343636

4

379890

0

470000

0

556330

0

755500

0

982100

0

132263

00

315275

2

392577

0

124.51

88

0.4901

91

49.019

07

20 BBL NA NA NA NA NA NA NA NA NA NA NA NA NA 698534 986354

124375

5

168390

8

115313

8

418094

.9

36.257

15

0.3408

4

34.083

99

21

CSFB

L 10564 15865 20659

25689.

67

31759.8

5

34589.

1

38756.

85

38965.1

5

40456.

82 41284

41871.

06

51625.7

5

75535.

64 75161 92930 114940 136960 52212

35400.

08

67.800

09

0.1736

76

17.367

59

22

CLAB

L

1592.

63

2356.4

5

2645.8

2

3045.1

6 3245.82

3568.5

5 3956.7 4260.98

5669.7

6 8373.91

10011.

54

12619.3

9

15623.

62

15152.

16

20508.

01 23998 NA 8539

7055.2

64

82.621

29

0.1982

22

19.822

22

23 KBSL

14568

6 158975 226598 268536 298753 318659 389657 512643 625389 715689 785643 826471 958101

110230

4

129100

3

142888

4

147366

8 678039

445575

.8

65.715

39

0.1556

1

15.561

02

24

SLAB

L 698 897 987 1060 1258.64

1456.8

9

1651.6

5 1707.55

2313.1

9 2541.99

3553.9

5 4312.39

4496.2

4

5029.5

1

5429.1

3

5344.5

1

2722.7

7 2674

1680.3

29

62.835

96

0.0887

53

8.8752

93

25

IDFC

B NA NA NA NA NA NA NA NA NA NA NA NA NA 345862 436800 571600 502620 464221

96203.

77

20.723

72

0.1326

93

13.269

32

26

ESFB

L NA NA NA NA NA NA NA

78564.2

1

89568.

15

92456.4

2

98564.

19

102583.

5

115681

.1

123895

.8

137628

.1

222682

.4 163773 122540

43338.

88

35.367

22

0.0974

77

9.7476

76

Total

53332

00

102920

30

123353

09

150252

17

204997

55

292214

95

390173

36

485114

11

557826

43

612576

90

835064

82

936422

39

1.13E+

08

1.33E+

08

1.57E+

08

1.9E+0

8

2.17E+

08

755373

17

658956

17

87.235

85

0.1769

06

17.690

61





Sr. No Name of Bank Short Name

Sr. No Name of Bank Short Name

1 State Bank of India SBI

1 Axis bank Ltd. Axis

2 State Bank of Jaipur SBBJ

2 Catholic Syrian bank Ltd. CSBL

3 State Bank of Travancore SBOH

3 City Union Bank Ltd. CUBL

4 State Bank of Mysore SBOM

4 DCB Bank Ltd DCBB

5 State Bank of Patiala SBOP

5 Dhanlaxmi Bank Ltd. DHAN

6 State Bank of Travancore SBOT

6 Federal Bank Ltd. FBL

7 Allahabad Bank AB

7 HDFC Bank Ltd. HDFC

8 Andhra Bank An. B

8 ICICI Bank Ltd. ICICI

9 Bank of Baroda BOB

9 Indusind Bank Ltd. IND BL

10 Bank of India BOI

10 Jammu & Kashmir Bank Ltd. JKB

11 Bank of Maharashtra BOM

11 Karnataka Bank Ltd. KBL

12 Canara Bank CB

12 Karur Vysya Bank Ltd KVBL

13 Central Bank of India CBOI

13 Kotak Mahindra Bank Ltd. KMBL

14 Corporation Bank Co.B

14 Lakshmi Vilas Bank Ltd. LVBL

15 Dena Corporate Centre DCC

15 Nainital bank Ltd. NBL

16 Indian Bank IBB

16 RBL Bank Ltd. RBLB

17 Indian Overseas Bank IOB

17 South Indian Bank Ltd. SIBL

18 Oriental Bank of Commerce OBC

18 Tamilnad Mercantile Bank Ltd. TMBL

19 Punjab National Bank PNB

19 YES Bank Ltd. YES

20 Syndicate Bank SB

20 Bandhan Bank Limited BBL

21 Union Bank of India UBI

21 Capital Small Finance Bank Ltd. CSFBL

22 United Bank of India Un.BI

22 Coastal Local Area Bank Ltd. CLABL

23 Punjab & Sind Bank P &SB

23 Krishna Bhima Samruddhi Local Area Bank Ltd. KBSL

24 UCO Bank UCOB

24 Subhadra Local Area Bank Ltd. SLABL

25 Vijaya Bank VB

25 IDFC Bank Limited IDFCB

26 Equitas Small Finance Bank Ltd. ESFBL

ISSN : 2454-9150 Operational Performance Evaluation of Banks in...

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