SBI : State Bank of India PNB : Punjab National Bank BOB : Bank of Baroda BOI : Bank of India CB : Canara Bank HDFC : Housing Development Finance Corporation ICICI : Industrial Credit and Investment Corporation of India KMB : Kotak Mahindra Bank Ltd AB : AXIS Bank IB : IndusInd Bank ROA : Return on Assets ROE : Return on Equity CAR : Capital Adequacy Ratio NPLR : Non-Performing Loan Ratio LA/TA : Liquid Asset/ Total Asset LA/TD : Liquid Asset /Total Deposits CV : Control Variable BIS : Bank of International Settlements RBI : Reserve Bank of India CB : Commercial Bank NIM : Net Interest Margin BCBS : Banking Committee on Banking Supervision HDFC : Housing Development Finance Corporation ICICI Bank : Industrial credit and Investment Corporation of India AB : Axis Bank KMB : Kotak Mahindra Bank Ltd P-Value : Probability Value