Private Sector Bank Analysis

( Crore)
As on March 31
S.No
Banks
12
RBL Bank
14
Axis Bank Ltd.
15
Development Credit Bank Ltd.
16
HDFC Bank Ltd.
17
18
ICICI Bank Ltd.

Indusind Bank Ltd.
19
Kotak Mahindra Bank Ltd.
20
YES Bank
No. of Branches
Deposit
Investment
Advances
197
24,349
14,436
21,229
2904
357,968
122,006
338,774
12,609
4,471
10,465
450,796
166,460
365,495
4450
1000
1333
421,426
93,000
138,643
186,580
24,859
51,260
387,522
68,788
118,665
860
111,720
46,605
75,550
Asset
Gross NPA
Net NPA
Interest
Income
Other Income
Total Income
Interest
Expense
39,161
208
125
2,744
490
3,234
1,925.00
2,371
35,479
8,365
43,844
21,254.46
525,468
16,132
186
106
1,422
166
1,588
914.20
590,503
3,438
896
48,470
8,996
57,466
26,074.23
646,129
109,116
192,260
15,095
563
6,256
210
1,104
49,091
9,692
16,384
12,176
2,404
2,612
61,267
12,096
18,996
30,051.53
6,271.69
9,483.00
136,170
313
88
11,572
2,046
13,618
8,084.17
Statement II : Private Sector Banks : Assets/Gross and Net Non-Performing Assets

As on March 31
S.No
1
2
3
4
5
6
7
8
9
10
11
12
13
I
II
14
15
16
17
18
19
20
II
III
( Crore)
Banks
City Union Bank Ltd.

ING Vysya Bank Ltd.
Tamilnad Mercantile Bank Ltd.
The Catholic Syrian Bank Ltd.
Dhanlaxmi Bank Ltd
The Federal Bank Ltd.
The Jammu & Kashmir Bank Ltd.
The Karnataka Bank Ltd.
The Karur Vysya Bank Ltd.
The Lakshmi Vilas Bank Ltd.
Nainital Bank Ltd.
RBL Bank
The South Indian Bank Ltd.
TOTAL OF 13 PVT BANKS [I]
NEW PRIVATE SECTOR BANKS
Axis Bank Ltd.
HDFC Bank Ltd.
ICICI Bank Ltd.
Indusind Bank Ltd.
YES Bank
TOTAL OF 7 NEW PVT BANKS [II]
TOTAL OF 20 PVT BANKS [I+II]
Asset
Gross NPA
Net NPA
27,871.13
N.A.
29,749.00
15,762.27
14,351.91
82,850.48
76,085.00
51,836.60
53,152.48
24,705.44
5,977.93
27,104.67
59,116.32
468,563.22
335.82
N.A.
319.00
474.81
558.29
1,057.73
2,764.08
944.00
677.78
454.62
77.41
111.23
643.45
8,418.22
232.79
N.A.
136.00
364.59
252.63
373.27
1,236.32
624.00
280.97
302.49
0.00
38.59
357.05
4,198.70
461,932.39
16,132.31
590,503.08
646,129.29
109,115.92
106,012.00
136,170.04
2,065,995.03
2,534,558.26
4,110.19
186.07
3,438.38
15,094.69
562.92
1,237.00
313.40
24,942.65
33,360.87
1,316.71
105.70
896.28
6,255.53
210.48
609.00
87.72
9,481.42
13,680.12
Statement III : Private Sector Banks : Income

As on March 31
S.No
( Crore)
Banks
1
2
3
4
5
6
7
8
9
10
11
12
13
I
II
14
15
16
17

ING Vysya Bank Ltd.
Dhanlaxmi Bank Ltd
Nainital Bank Ltd.
RBL Bank
Axis Bank Ltd.
HDFC Bank Ltd.
ICICI Bank Ltd.
18
19
20
II
III
Indusind Bank Ltd.

YES Bank
Interest Other Income

Total Income
Income
2,698.86
N.A.
2,835.53
1,544.55
1,283.59
7,419.47
7,061.00
4,698.42
5,395.88
2,214.53
507.55
1,953.09
5,286.22
42,898.68
404.10
N.A.
291.88
878.31
593.00
507.00
580.84
284.03
49.20
403.41
497.07
4,701.13
3,102.96
N.A.
3,127.41
1,671.90
1,368.54
8,297.77
7,654.00
5,205.41
5,976.72
2,498.56
556.75
2,356.49
5,783.29
47,599.81
35,478.60
1,422.42
48,469.91
49,091.14
8,365.04
165.72
8,996.34
12,176.13
43,843.64
1,588.14
57,466.25
61,267.27
9,691.96
9,719.00
11,572.01
165,445.04
208,343.72
2,403.87
2,028.00
2,046.46
36,181.55
40,882.68
12,095.83
11,747.00
13,618.46
201,626.59
249,226.40
127.34
84.95
Statement IV : Private Sector Banks : Expenditure

As on March 31
S.No
1
2
3
4
5
6
7
8
9
10
11
12
13
I
II
14
15
16
17
18
19
20
II
III
( Crore)
Banks

ING Vysya Bank Ltd.
Dhanlaxmi Bank Ltd
Nainital Bank Ltd.
RBL Bank
Axis Bank Ltd.
HDFC Bank Ltd.
ICICI Bank Ltd.
Indusind Bank Ltd.
YES Bank
* excludes provisions & contingencies
Interest
Expense
Operating
1,891.49 Expense
518.82
Total
2,410.31
Expense
N.A.
1,952.10
1,188.58
984.75
5,039.06
4,410.00
3,530.00
3,929.97
1,687.88
337.71
1,396.72
3,919.99
30,268.25
N.A.
567.94
433.24
367.21
1,630.93
1,409.00
902.00
1,103.45
434.25
113.64
599.65
981.30
9,061.43
N.A.
2,520.05
1,621.81
1,351.96
6,669.99
5,819.00
4,432.00
5,033.42
2,122.13
451.35
1,996.37
4,901.29
39,329.68
21,254.46
914.20
26,074.23
30,051.53
6,271.69
5,496.00
8,084.17
98,146.28
128,414.53
9,203.75
396.49
13,987.55
11,495.83
2,725.93
3,254.00
2,284.71
43,348.25
52,409.68
30,458.21
1,310.69
40,061.78
41,547.36
8,997.62
8,750.00
10,368.88
141,494.53
180,824.21
Statement V : Private Sector Banks : Profit

As on March 31
S.No
Banks
1
2
3
4
5
6
7
8
9
10
11
12
13
I
II
14
15
16
17
18

ING Vysya Bank Ltd.
Dhanlaxmi Bank Ltd
Nainital Bank Ltd.
RBL Bank
Axis Bank Ltd.
HDFC Bank Ltd.
ICICI Bank Ltd.
Indusind Bank Ltd.
19
20
II
III

YES Bank
Operating Profit
Provisions and Contingencies
2013
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
2014
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
1,899.75
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
2015
692.65
N.A.
607.37
50.08
16.58
1,627.78
1,835.00
773.41
943.29
376.44
105.40
360.12
882.00
8,270.13
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
2013
201.43
379.73
249.43
69.31
48.78
616.39
755.66
287.26
298.51
159.57
45.75
64.22
346.31
3,522.34
2014
233.90
469.69
312.28
68.46
257.98
641.51
717.29
376.01
408.20
249.34
31.43
86.02
376.84
4,228.95
2015
297.63
N.A.
227.97
103.25
258.05
622.03
1,327.23
322.00
487.68
244.15
38.23
152.95
574.80
4,655.97
13,385.43
277.45
17,404.47
19,719.91
3,098.21
4,123.70
24.07
4,701.34
4,873.76
778.28
5,238.42
36.60
5,881.70
6,784.10
1,187.94
6,027.62
86.26
7,188.56
8,544.56
1,304.50
2,997.00
3,249.59
60,132.06
68,402.19
795.89
841.01
16,138.04
19,660.38
1,074.63
1,131.48
1,070.19
1,244.22
21,273.58
25,502.53
25,527.20
30,183.16
( Crore)
Net Profit
2013
322.02
612.96
440.28
32.67
2.62
838.17
1,055.10
348.08
550.32
91.57
51.06
92.47
502.27
4,939.59
2014
347.07
657.85
300.77
26.88
(251.91)
838.89
1,182.47
311.03
429.60
59.66
65.43
92.67
507.50
4,567.90
2015
395.02
N.A.
379.40
(53.17)
(241.47)
1,005.75
508.00
451.00
455.61
132.29
67.18
207.17
307.20
3,613.99
5,179.43
102.06
6,726.28
8,325.47
1,061.18
6,217.67
151.36
8,478.38
9,810.48
1,408.02
7,357.82
191.18
10,215.92
11,175.35
1,793.72
1,360.72
1,300.68
24,055.83
28,995.43
1,502.52
1,617.78
29,186.20
33,754.10
1,866.00
2,005.36
34,605.36
38,219.35
Statement VI : Private Sector Banks : Ratios

As on March 31
S.No
1
2
3
4
5
6
7
8
9
10
11
12
13
I
II
14
15
16
17
18
19
20
II
III
Banks

ING Vysya Bank Ltd.
Dhanlaxmi Bank Ltd
Nainital Bank Ltd.
RBL Bank
Axis Bank Ltd.
HDFC Bank Ltd.
ICICI Bank Ltd.
Indusind Bank Ltd.
YES Bank
Credit Deposit Ratio
Investment Deposit Ratio
2013
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
2014
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
2015
2013
74.62 Err:509
N.A.
Err:509
75.38 Err:509
65.44 Err:509
61.94 Err:509
72.41 Err:509
67.80 Err:509
68.86 Err:509
80.80 Err:509
74.45 Err:509
47.84 Err:509
87.19 Err:509
72.03 Err:509
72.56 Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
94.64 Err:509
83.00 Err:509
81.08 Err:509
91.95 Err:509
73.97 Err:509
85.59 Err:509
67.62 Err:509
86.07 Err:509
83.31 Err:509
2014
Err:509
N.A.
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Spread as % to Ass
2015
26.44
N.A.
29.91
34.91
39.17
34.46
38.21
34.75
28.58
27.79
25.79
59.29
32.20
34.58
2013
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
34.08
35.45
36.93
44.27
26.73
36.97
41.72
37.97
37.27
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
(In Per cent)
Spread as % to Assets
2014
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
2015
2.90
N.A.
2.97
2.26
2.08
2.87
3.48
2.25
2.76
2.13
2.84
2.05
2.31
2.70
3.08
3.15
3.79
2.95
3.13
3.98
2.56
3.26
3.15
Statement VII : Private Sector Banks : Ratios

As on March 31
S.No
Banks
1
2
3
4
5
6
7
8

ING Vysya Bank Ltd.
Dhanlaxmi Bank Ltd
10
11
12
13
I
II
14
15
16
17
18
19
20
II
III

Nainital Bank Ltd.
RBL Bank
Axis Bank Ltd.
HDFC Bank Ltd.
ICICI Bank Ltd.
Indusind Bank Ltd.
YES Bank
Opr.Exp as % to Total
Expenses
Return on Assets
Capital Adequacy Ratio Basel II
In Percent
Capital Adequacy Ratio Basel III
2013
2013
2014
2015
2013
2014
2015
2013
2014
2015
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
21.53
N.A.
22.54
26.71
27.16
24.45
24.21
20.35
21.92
20.46
1.58
1.26
2.00
0.25
0.02
1.35
1.70
0.89
1.35
0.54
1.44
1.20
1.19
0.18
-1.86
1.20
1.74
0.71
0.86
0.32
1.49
N.A.
1.38
-0.34
-1.77
1.32
0.70
0.91
0.88
0.61
13.98
13.24
15.01
12.29
11.06
14.73
12.83
13.22
14.41
12.32
15.11
16.76
15.73
N.A.
10.00
N.A.
12.91
13.30
12.77
10.93
16.59
N.A.
13.91
N.A.
9.71
N.A.
12.67
12.67
14.63
11.57
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
25.18
30.04
20.02
23.04
1.30
1.06
1.17
1.48
0.67
1.00
1.26
1.02
0.56
14.34
17.11
13.91
15.02
N.A.
12.53
14.71
N.A.
12.06
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
Err:509
30.22
30.25
34.91
27.67
30.30
37.19
22.03
30.64
28.98
1.70
1.06
1.90
1.70
1.63
1.81
1.50
1.78
1.31
2.00
1.78
1.81
1.80
1.61
1.83
1.37
2.00
1.86
1.90
1.98
1.71
17.00
13.61
16.80
18.74
15.36
16.05
N.A.
12.62
13.84
16.10
12.78
13.96
1.06
4.60
12.07
15.05
N.A.
12.78
N.A.
0.99
4.10
2014
N.A.
N.A.
N.A.
N.A.
N.A.
N.A.
N.A.
N.A.
N.A.
15.01
14.63
15.59
N.A.
N.A.
N.A.
N.A.
N.A.
N.A.
N.A.
16.07
13.71
16.07
17.70
13.83
18.83
14.40
11.00
8.67
15.14
12.69
13.20
12.60
N.A. 10.90
14.43 15.13
N.A. 14.64
N.A. 12.42
Statement VIII : Private Sector Banks : Ratios

As on March 31
S.No
1
2
3
4
5
6
7
8
9
10
11
12
13
I
II
14
15
16
17
18
19
20
II
III
(in %)
Banks

ING Vysya Bank Ltd.
Dhanlaxmi Bank Ltd
Nainital Bank Ltd.
RBL Bank
AVERAGE OF 13 PVT BANKS [I]
Axis Bank Ltd.
HDFC Bank Ltd.
ICICI Bank Ltd.
Indusind Bank Ltd.
YES Bank
AVERAGE OF 7 PVT BANKS [I]
AVERAGE OF 20 PVT BANKS
( Crore)
Business Per Employee Profit Per Employee

Net NPA to Net Advances
2013
2014
2015
2013
2014
2015
2013
2014
0.63
1.23
1.30
9.38
9.06
9.65
9.00
8.00
0.03
0.28
6.44
6.66
6.28
6.54
N.A.
N.A.
0,66
1.22
0.67
11.33
10.75
10.84
13.88
8.35
7.36
7.71
7.89
1.16
0.94
1.12
2.22
3.85
3.36
3.80
3.29
6.75
7.74
9.00
10.00
-10.37
0.98
10.75
9.97
11.15
9.00
8.00
0.74
0.73
0.14
0.22
2.77
10.49
12.35
11.89
11.00
12.62
1.51
9.66
9.59
10.52
5.00
4.00
1.91
1.98
0.37
0.41
0.78
10.14
10.55
11.30
8.18
5.85
2.43
3.44
1.85
8.63
9.23
10.85
2.91
1.81
0.00
0.00
0.00
7.48
8.73
9.88
7.00
9.00
0.11
0.31
0.27
7.39
6.97
8.23
5.00
3.00
0.78
12.01
11.99
11.54
8.00
7.00
0.78
0.96
Err:509 Err:509
1.42
0.36
0.75
0.20
0.77
0.31
0.64
0.01
Err:509
Err:509
0.44
0.91
0.27
0.97
0.33
1.08
0.05
Err:509
Err:509
0.46
1.01
0.20
1.61
0.31
0.92
0.12
0.69
0.82
12.15
6.74
7.50
7.35
8.41
6.86
17.74
12.30
6.89
8.90
7.47
7.17
6.78
15.58
13.71
6.96
10.10
8.32
7.19
7.05
16.86
15.00
5.00
10.00
14.00
9.22
10.00
21.02
15.42
6.00
12.00
14.00
9.03
10.00
20.45
( in lakhs)
Per Employee
2015
9.00
N.A.
9.21
-1.78
-10.60
9.38
5.48
6
6.45
3.82
9.00
6.00
4.00
17.07
6.00
10.00
16.00
11.00
20.96
S.No
1
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
Banks
Dhanlaxmi Bank Ltd
Nainital Bank Ltd.
RBL Bank
Axis Bank Ltd.
HDFC Bank Ltd.
ICICI Bank Ltd.
Indusind Bank Ltd.
YES Bank
Deposit Per Branch

49.74
52.67
33.58
44.22
56.66
123.60
123.27
94.70
93.00
104.01
129.91
CD Ratio
74.62%
75.38%
65.44%
61.94%
72.41%
67.80%
68.86%
80.80%
74.45%
47.84%
87.19%
72.03%
94.64%
83.00%
81.08%
91.95%
73.97%
85.59%
67.62%
Net NPA
Business per Employee
Profit per Employee

Private Sector Bank Analysis

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Private Sector Bank Analysis

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( Crore)

Axis Bank Ltd.

Development Credit Bank Ltd.

HDFC Bank Ltd.

ICICI Bank Ltd.

Kotak Mahindra Bank Ltd.

Statement II : Private Sector Banks : Assets/Gross and Net Non-Performing Assets

City Union Bank Ltd.

Statement III : Private Sector Banks : Income

City Union Bank Ltd.

Indusind Bank Ltd.

Interest Other Income

Statement IV : Private Sector Banks : Expenditure

City Union Bank Ltd.

Statement V : Private Sector Banks : Profit

City Union Bank Ltd.

Kotak Mahindra Bank Ltd.

Provisions and Contingencies

Statement VI : Private Sector Banks : Ratios

City Union Bank Ltd.

Credit Deposit Ratio

Investment Deposit Ratio

(In Per cent)

Statement VII : Private Sector Banks : Ratios

City Union Bank Ltd.

The Karur Vysya Bank Ltd.

The Lakshmi Vilas Bank Ltd.

Capital Adequacy Ratio Basel II

Statement VIII : Private Sector Banks : Ratios

City Union Bank Ltd.

Business Per Employee Profit Per Employee

Deposit Per Branch

Business per Employee

Profit per Employee

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