ISSN : 2454-9150 Operational Performance Evaluation of Banks in...
Transcript of 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
International Journal for Research in Engineering Application & Management (IJREAM)
ISSN : 2454-9150 Vol-04, Issue-10, Jan 2019
217 | IJREAMV04I1046021 DOI : 10.18231/2454-9150.2018.1311 © 2019, IJREAM All Rights Reserved.
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
International Journal for Research in Engineering Application & Management (IJREAM)
ISSN : 2454-9150 Vol-04, Issue-10, Jan 2019
218 | IJREAMV04I1046021 DOI : 10.18231/2454-9150.2018.1311 © 2019, IJREAM All Rights Reserved.
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
International Journal for Research in Engineering Application & Management (IJREAM)
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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).
International Journal for Research in Engineering Application & Management (IJREAM)
ISSN : 2454-9150 Vol-04, Issue-10, Jan 2019
220 | IJREAMV04I1046021 DOI : 10.18231/2454-9150.2018.1311 © 2019, IJREAM All Rights Reserved.
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
International Journal for Research in Engineering Application & Management (IJREAM)
ISSN : 2454-9150 Vol-04, Issue-10, Jan 2019
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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
International Journal for Research in Engineering Application & Management (IJREAM)
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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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International Journal for Research in Engineering Application & Management (IJREAM)
ISSN : 2454-9150 Vol-04, Issue-10, Jan 2019
224 | IJREAMV04I1046021 DOI : 10.18231/2454-9150.2018.1311 © 2019, IJREAM All Rights Reserved.
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.
International Journal for Research in Engineering Application & Management (IJREAM)
ISSN : 2454-9150 Vol-04, Issue-10, Jan 2019
225 | IJREAMV04I1046021 DOI : 10.18231/2454-9150.2018.1311 © 2019, IJREAM All Rights Reserved.
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
Source: Compiled from various issues of Statistical Tables relating to Banks in India, Published by RBI.
International Journal for Research in Engineering Application & Management (IJREAM)
ISSN : 2454-9150 Vol-04, Issue-10, Jan 2019
226 | IJREAMV04I1046021 DOI : 10.18231/2454-9150.2018.1311 © 2019, IJREAM All Rights Reserved.
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
International Journal for Research in Engineering Application & Management (IJREAM)
ISSN : 2454-9150 Vol-04, Issue-10, Jan 2019
227 | IJREAMV04I1046021 DOI : 10.18231/2454-9150.2018.1311 © 2019, IJREAM All Rights Reserved.
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
International Journal for Research in Engineering Application & Management (IJREAM)
ISSN : 2454-9150 Vol-04, Issue-10, Jan 2019
228 | IJREAMV04I1046021 DOI : 10.18231/2454-9150.2018.1311 © 2019, IJREAM All Rights Reserved.
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
Source: Compiled from various issues of Statistical Tables relating to Banks in India, Published by RBI.
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
International Journal for Research in Engineering Application & Management (IJREAM)
ISSN : 2454-9150 Vol-04, Issue-10, Jan 2019
229 | IJREAMV04I1046021 DOI : 10.18231/2454-9150.2018.1311 © 2019, IJREAM All Rights Reserved.
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.
International Journal for Research in Engineering Application & Management (IJREAM)
ISSN : 2454-9150 Vol-04, Issue-10, Jan 2019
230 | IJREAMV04I1046021 DOI : 10.18231/2454-9150.2018.1311 © 2019, IJREAM All Rights Reserved.
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
International Journal for Research in Engineering Application & Management (IJREAM)
ISSN : 2454-9150 Vol-04, Issue-10, Jan 2019
231 | IJREAMV04I1046021 DOI : 10.18231/2454-9150.2018.1311 © 2019, IJREAM All Rights Reserved.
Source: Compiled from various issues of Statistical Tables relating to Banks in India, Published by RBI.
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