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Profitability of the Indian Scheduled Commercial Banks: A Case Analysis

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  • A Ramachandran
  • N Kavitha

Abstract

In view of the importance of improving the profitability performance of the banking sector in recent years, a census study has been adopted by covering all the Indian scheduled commercial banks, which have been divided into three groups viz., the SBI group, the Nationalized Banks group and the Private Banks group with two sessions, i.e., Period I and Period II by dividing the 10 year-study period into the first five years and the last five years. The step-wise multiple regression analysis was adopted for the study. An analysis of the SBI group reveals that in both the periods of study, the variable provisions and contingencies to total expenses occupied a prominent place. The nationalized banks group showed a position of provisions and contingencies to total expenses in the first half of the study period and Capital Adequacy Ratio (CAR) during the second half of the study period. In relation to the private banks group, it has changed from other interest expenses ratio to capital adequacy ratio.

Suggested Citation

  • A Ramachandran & N Kavitha, 2009. "Profitability of the Indian Scheduled Commercial Banks: A Case Analysis," The IUP Journal of Bank Management, IUP Publications, vol. 0(3 & 4), pages 129-139, August & .
    • Handle: RePEc:icf:icfjbm:v:8:y:2009:i:3&4:p:129-139
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