It was found that private/foreign banks had higher Tier-I Capital than public sector banks, while public sector banks had higher Tier-II Capital than private/foreign banks. It was also found that private/foreign banks had higher Capital Adequacy Ratio than public sector banks. In particular, these differences were statistically significant in 2011.
2.ASSET QUALITY: Table 2 shows the Gross Non-performing Assets, Net Nonperforming Assets, and Net Non-performing Assets to Total Advances Ratio of public and private/foreign banks. It was found that public sector banks had higher Gross Non-performing Assets and Net Non-performing Assets than private/foreign banks, and that these differences were statistically significant. On the other hand, there was no significant difference in the Net Non-performing Assets to Total Advances Ratio of public and private/foreign …show more content…
It was found that private/foreign banks had higher Total Investments to Total Assets Ratio than public sector banks, while public sector banks had higher Total Advances to Total Deposits Ratio than private/foreign banks; however, these differences were not statistically significant. It was found that private/foreign banks had higher Sales per Employee than public sector banks, and that these differences were statistically significant. It was also found that private/foreign banks had higher Profit After Tax per Employee than public sector banks, but that these differences were not statistically significant.
4.EARNINGS AND PROFITABILITY: Table 4 shows the Return on Net Worth, Operating Profit to Average Working Fund Ratio, Profit After Tax to Total Assets Ratio of public and private/foreign banks. It was found that public sector banks had higher Return on Net Worth than private/foreign banks, and that these differences were statistically significant. On the other hand, it was found that private/foreign banks had higher Operating Profit to Average Working Fund Ratio and Profit After Tax to Total Assets Ratio than public sector banks, though the differences were not statistically