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conclusion that whether these norms are suitable for Indian banks and whether they serve the whole purpose of protecting the banks with its sophisticated approaches which will in turn protect them and the economy from a major collapse. Fig 1: Basel III Compared to Basel II

Figure 1 conclusion that whether these norms are suitable for Indian banks and whether they serve the whole purpose of protecting the banks with its sophisticated approaches which will in turn protect them and the economy from a major collapse. Fig 1: Basel III Compared to Basel II

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Table 2: Return on Equity (%) Table 3 shows NIM of 13 selected banks from FY2010-11 to FY2016-17. It was observed that the NIM fluctuated for City Union Bank Ltd. throughout the period but remained stable maintain an average of 2.96%. ING Vysya Bank maintained NIM at 0.02% throughout the five years which is very less in comparison to other banks. It has been observed from the table that NIM of all banks is stable and doesn’t fluctuate much. The average ratio of all banks ranged from 2.09% to 3.37% with an exception of ING Vysya Bank for which NIM was recorded to be 0.02%.
Table 2: Return on Equity (%) Table 3 shows NIM of 13 selected banks from FY2010-11 to FY2016-17. It was observed that the NIM fluctuated for City Union Bank Ltd. throughout the period but remained stable maintain an average of 2.96%. ING Vysya Bank maintained NIM at 0.02% throughout the five years which is very less in comparison to other banks. It has been observed from the table that NIM of all banks is stable and doesn’t fluctuate much. The average ratio of all banks ranged from 2.09% to 3.37% with an exception of ING Vysya Bank for which NIM was recorded to be 0.02%.
Table 3: Net Interest Margin (%)
Table 3: Net Interest Margin (%)
Table 5: Net Profit Ratio (%)
Table 5: Net Profit Ratio (%)
Table 4: Cost to Income Ratio (%) Table 5 shows the year on year change in the Net Profit Ratio of the selected banks with an average of last seven years. It is observed that the NPR of City Union Bank has decreased from 17.65% during FY2011 to 15.84% during FY2017. ING Vysya showed a good growth with increasing NPR throughout the period under review while as the NPR for Tamil Nadu Mercantile Bank decreased from 18.30% during FY2011 to 9.37% during FY2017. The ratio for Catholic Syrian bank shows many ups and downs as was recorded to be 1.60% during FY2011 which decreased to a level of -10.10% during FY2016 but regained to be positive during FY2017 as the same was recorded to be 0.12% during the said year to maintain average of -0.74%. Dhanlaxmi Bank is showing poor performance as NPR has been highly unstable recording an average of -8.48% for the years under review. The NPR of Federal bank has decreased from 14.48% during FY2011 to 9.57% during FY2017 but was stable and performing good. The ratio of The J&K Bank has shown a positive growth from 16.56% during FY2011 to 17.45% during FY2014 but the same highly deteriorated to an alarming level of -24.41% during FY2017. The NPR of Karnataka Bank and Karur Vysya Bank decreased from 8.63% and 18.73% during FY2011 to 8.07% and 10.77% during FY2017 respectively. The NPR of Lakshmi Vilas Bank decreased from 9.49% during FY2011 to mere 3.00% during FY2014 but improved to 8.99% during FY17. The ratio for Nainital Bank also decreased from 17.79% during FY2011 to 8.66% during FY2017. The only bank that showed the upward trend was RBL for which ratio increased from 6.51% during FY2011 to 12.01% during FY2017. South Indian Bank also showed the negative growth of NPR which decreased from 11.96% during FY2011 to 6.71% during FY2017.
Table 4: Cost to Income Ratio (%) Table 5 shows the year on year change in the Net Profit Ratio of the selected banks with an average of last seven years. It is observed that the NPR of City Union Bank has decreased from 17.65% during FY2011 to 15.84% during FY2017. ING Vysya showed a good growth with increasing NPR throughout the period under review while as the NPR for Tamil Nadu Mercantile Bank decreased from 18.30% during FY2011 to 9.37% during FY2017. The ratio for Catholic Syrian bank shows many ups and downs as was recorded to be 1.60% during FY2011 which decreased to a level of -10.10% during FY2016 but regained to be positive during FY2017 as the same was recorded to be 0.12% during the said year to maintain average of -0.74%. Dhanlaxmi Bank is showing poor performance as NPR has been highly unstable recording an average of -8.48% for the years under review. The NPR of Federal bank has decreased from 14.48% during FY2011 to 9.57% during FY2017 but was stable and performing good. The ratio of The J&K Bank has shown a positive growth from 16.56% during FY2011 to 17.45% during FY2014 but the same highly deteriorated to an alarming level of -24.41% during FY2017. The NPR of Karnataka Bank and Karur Vysya Bank decreased from 8.63% and 18.73% during FY2011 to 8.07% and 10.77% during FY2017 respectively. The NPR of Lakshmi Vilas Bank decreased from 9.49% during FY2011 to mere 3.00% during FY2014 but improved to 8.99% during FY17. The ratio for Nainital Bank also decreased from 17.79% during FY2011 to 8.66% during FY2017. The only bank that showed the upward trend was RBL for which ratio increased from 6.51% during FY2011 to 12.01% during FY2017. South Indian Bank also showed the negative growth of NPR which decreased from 11.96% during FY2011 to 6.71% during FY2017.
Table 4 shows the Cost to Income ratio of selected 13 sommercial Banks from FY2011 to FY2017. It is observed ‘rom the table that CIR of City Union Bank Ltd. was 4.84% turing FY2011 which abruptly increased up to 7.01% during 2014 but improved to 3.85% during FY2015 which again showed increasing trend and was recorded at 6.46% during FY2017. For ING Vysya, the ratio was slightly fluctuating, ecording an average of 12.46% for 7 years. The CIR for Tamil Nadu Mercantile bank was 8.00% during FY2010-2011 which increased slightly to 8.14% during FY2017. The CIR of Catholic Syrian Bank was recorded at 28.15% during FY2011 ind the same improved to 12.11% during FY2017. The Ratio ‘or Dhanlaxmi bank showed slight fluctuations but maintained he same at 21.81% during FY2011 as well as FY2017. The CIR of Federal Bank Ltd. is showing increasing trend which was recorded at 7.88% during FY2011 and 13.00% during deteriorated over t increased from 10 FY2017. The CIR Bank has improved FY2017. Similarly, the ratio of The J&K Bank is h he period under review as the same h as as .62% during FY2011 to 18.21% during of Karnataka Bank and Lakshmi Vil from 10.85% and 8.56% during FY20 to 9.54% and 5.22% during FY2017 respectively. The ratio for Karur Vysya Bank increased from 7.50% during FY20 to 8.94% during recorded at 40.12% during FY2011 which was the highest 1 FY2017. The CIR for RBL Bank w comparison to other selected banks for the year, however t same improved remarkably to 8.10% during FY2017. T ratio for South India Bank has shown improvement from 10.87 during FY2011 to 7.88% during FY2017. as 1 1 as in he ne
Table 4 shows the Cost to Income ratio of selected 13 sommercial Banks from FY2011 to FY2017. It is observed ‘rom the table that CIR of City Union Bank Ltd. was 4.84% turing FY2011 which abruptly increased up to 7.01% during 2014 but improved to 3.85% during FY2015 which again showed increasing trend and was recorded at 6.46% during FY2017. For ING Vysya, the ratio was slightly fluctuating, ecording an average of 12.46% for 7 years. The CIR for Tamil Nadu Mercantile bank was 8.00% during FY2010-2011 which increased slightly to 8.14% during FY2017. The CIR of Catholic Syrian Bank was recorded at 28.15% during FY2011 ind the same improved to 12.11% during FY2017. The Ratio ‘or Dhanlaxmi bank showed slight fluctuations but maintained he same at 21.81% during FY2011 as well as FY2017. The CIR of Federal Bank Ltd. is showing increasing trend which was recorded at 7.88% during FY2011 and 13.00% during deteriorated over t increased from 10 FY2017. The CIR Bank has improved FY2017. Similarly, the ratio of The J&K Bank is h he period under review as the same h as as .62% during FY2011 to 18.21% during of Karnataka Bank and Lakshmi Vil from 10.85% and 8.56% during FY20 to 9.54% and 5.22% during FY2017 respectively. The ratio for Karur Vysya Bank increased from 7.50% during FY20 to 8.94% during recorded at 40.12% during FY2011 which was the highest 1 FY2017. The CIR for RBL Bank w comparison to other selected banks for the year, however t same improved remarkably to 8.10% during FY2017. T ratio for South India Bank has shown improvement from 10.87 during FY2011 to 7.88% during FY2017. as 1 1 as in he ne
Table 7: Statistics of Profitability Ratios
Table 7: Statistics of Profitability Ratios
Table 6: Operating Profit to Total Assets Bank (14.15%) while as Dhanlaxmi Bank is the poor performer with Average NPR of -8.48%. The top performing banks with respect to operating Profit to Total Advances ratio is City Union Bank (2.67%) followed by Tamilnad Mercantile bank (2.61%) and The J&K Bank (2.33%) while as Dhanlaxmi Bank is the poor performer. Table 7 shows the descriptive statistics of the extracted profitability ratios of the selected banks depicting their minimum and maximum values throughout a period of 7 years with their standard deviation and variance. On the basis of these values, best and poor performing banks with respect to specific Profitability ratio mean is shown in Table 8. Top performer banks in respect of average ROE are City Union bank (19.58%) followed by Tamilnad Mercantile Bank Ltd. (17.05%) and South Indian Bank (14.24%). Best performer bank in respect of NIM is Tamilnad Mercantile Bank (3.37%), followed by Nainital Bank (3.36%) and The J&K Bank (3.23%). City Union Bank is the best performer with respect to the CIR (5.15%) followed by Lakshmi Vilas Bank (8.01%) and Karur Vysya Bank Ltd (8.09%). Top performing bank with respect to average NPR is City Union Bank (15.44%) followed by Nainital bank (15.35%) and Tamilnad Mercantile
Table 6: Operating Profit to Total Assets Bank (14.15%) while as Dhanlaxmi Bank is the poor performer with Average NPR of -8.48%. The top performing banks with respect to operating Profit to Total Advances ratio is City Union Bank (2.67%) followed by Tamilnad Mercantile bank (2.61%) and The J&K Bank (2.33%) while as Dhanlaxmi Bank is the poor performer. Table 7 shows the descriptive statistics of the extracted profitability ratios of the selected banks depicting their minimum and maximum values throughout a period of 7 years with their standard deviation and variance. On the basis of these values, best and poor performing banks with respect to specific Profitability ratio mean is shown in Table 8. Top performer banks in respect of average ROE are City Union bank (19.58%) followed by Tamilnad Mercantile Bank Ltd. (17.05%) and South Indian Bank (14.24%). Best performer bank in respect of NIM is Tamilnad Mercantile Bank (3.37%), followed by Nainital Bank (3.36%) and The J&K Bank (3.23%). City Union Bank is the best performer with respect to the CIR (5.15%) followed by Lakshmi Vilas Bank (8.01%) and Karur Vysya Bank Ltd (8.09%). Top performing bank with respect to average NPR is City Union Bank (15.44%) followed by Nainital bank (15.35%) and Tamilnad Mercantile
Table 6 indicates the average of Operating Profit to Total Assets Ratio of the selected banks from FY2011 to FY2017. It has been observed that the ratio did not fluctuate much among various banks except the Catholic Syrian Bank and Dhanlaxmi Bank for which ratio turned to be negative once in seven years. However, a common observation made in the trend of Operating Profit to Total Assets is that the ratio decreased during FY2014 as compared to FY2013 in almost all banks.
Table 6 indicates the average of Operating Profit to Total Assets Ratio of the selected banks from FY2011 to FY2017. It has been observed that the ratio did not fluctuate much among various banks except the Catholic Syrian Bank and Dhanlaxmi Bank for which ratio turned to be negative once in seven years. However, a common observation made in the trend of Operating Profit to Total Assets is that the ratio decreased during FY2014 as compared to FY2013 in almost all banks.
Table 8: Performance of Selected Banks on the Basis of Mean Profitability Ratios
Table 8: Performance of Selected Banks on the Basis of Mean Profitability Ratios
Related topics:
Financial Risk ManagementCapital AdequacyReturn on EquityNet Interest MarginNet Profit MarginNet Profit Ratio
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