Académique Documents
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3.1 INTRODUCTION:
seven banks has been selected as sample for the study. The sample is
108
(sample) which have their Head Offices or Regional offices in Mumbai
are as follows:-
1. Bank of Maharashtra.
2. Bank of Baroda.
6. Bank of India.
7. Dena Bank.
The data for all 28 nationalized banks has been collected and tabulated
for analysis and interpretation. The data has also been collected and
tabulated for the sample banks for analysis. The data collection
data is presented in two parts: Part A: - Brief Profile of the sample and
The primary data has been collected from the internal report of Indian
109
3.1 BRIEF PROFILE OF SAMPLES:
A brief profile of the seven banks (sample) which have their Head
1. Bank of Baroda:
Bank of Baroda was started in the year 1908, under the Companies Act
has 2857 Indian Branches and 72 Foreign Branches. Its Head Office is
2. Bank of India:
Beginning with one office in Mumbai, the Bank has made a rapid
growth over the years. The Bank has 2884 branches in India. Its Head
office is at Mumbai.
3. Bank of Maharashtra:
1375 branches all over India. Its head office is at Pune while its
110
was nationalized in 1969, after which expanded rapidly. It has 3442
5. Dena Bank:
Dena Bank was founded on 26th May, 1938. It became a Public Ltd.
Company in December 1939 and later the name was changed to Dena
Bank Ltd. It got nationalized in 1969. It has 1160 branches all over
The origin of the State Bank of India goes back to the first decade of
the Bank of Bombay (15 April 1840) and the Bank of Madras (1 July
1843) were set up. These three banks remained at the apex of modern
May 1955 and the State Bank of India was constituted on 1 July 1955.
111
With more than 11,111 branches and a further 6500 branches of
associate bank branches, the SBI has extensive coverage. The bank
Gujarat, Andhra Pradesh, Assam, Bihar, Tamil Nadu, New Delhi, West
located in Mumbai.
A. PROFILE OF SAMPLES:
the table shows the data about the age of the bank, capital, number of
Table 3.1
Source: Compiled from Annual Reports and Websites of Banks and RBI.
Table 3.1 indicates clearly that Central Bank of India has the largest
112
RS.631.47 crores capital as on 31 st March 2008. Dena Bank has the
sample.
Table 3.1 also shows the age of the banks as on 31 st March 2008.
Accordingly, Bank of India which was started in 1906 is the oldest bank
among the sample. The second oldest bank in the sample is Bank of
Baroda which was established in 1908. The bank having the lowest
age among the sample is Dena Bank which was established in 1938.
March 2008 is also revealed in table 3.1. It shows clearly that State
Bank of India has the maximum number of offices i.e.1 0369 among the
of offices all over India. Dena Bank has 1098 number of offices which
The data regarding capital of the sample banks is taken from table 3.1.
following table:-
113
Table 3.2
S01-1000 3 43
1001-1S00 1 14
Total 7 100
Table 3.2 reveals that out of seven banks in the sample, 43 percent
banks viz. Bank of Baroda, Bank of Maharashtra and Dena Bank were
percent banks viz. Bank of India, Union Bank of India and State Bank
size). Only one bank viz. Central Bank was in capital-group of Rs.1 001-
1S00 crores (large size banks). Thus, 43 percent banks were small
size, and another 43 percent banks were from medium size. Only 14.3
The data regarding age of the sample banks is taken from table 3.1.
table:-
114
Table 3.3
51-75 2 29
76-100 3 43
Total 7 100
Table 3.3 reveals that out of seven banks in the sample, 29 percent of
the banks viz. Dena Bank and Bank of Maharashtra were from the age-
India, Central Bank of India and Union Bank of India were from the
viz. Bank of Baroda and Bank of India were from the age-group of (101
& above) years. Thus, Bank of Baroda and Bank of India were the
115
Table 3.4
1000-2000 2 29
2001-3000 3 43
Total 7 100
Table 3.4 reveals that out of seven banks in the sample, 29 percent of
the banks viz. Bank of Maharashtra and Dena Bank were from the
Baroda, Bank of India and Union Bank of India were from the group of
Bank of India and State Bank of India were from the group of (3001 &
above) offices. Thus, Central Bank of India and State Bank of India
had large number of offices viz. 3433 and 10369, among the sample
banks.
116
Table 3.5
1000-15000 2 29
15001 -30000 1 14
Total 7 100
Table 3.5 reveals that out of seven banks in the sample, 29 percent of
the banks viz. Bank of Maharashtra and Dena Bank were from the
Bank of India was the only bank from the group of (2001-3000)
Bank of India, Central Bank of India and State Bank of India were from
the group of (30001 & above) employees. Thus, Bank of Baroda, Bank
of India, Central Bank of India and State Bank of India had large
B. DATA ANALYSIS:
The data collected from all 28 nationalized banks, seven sample Banks
117
Table 3.6
Chart 3.1
--
I/)
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£:: 300
400
Co) I/)
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'0 ~ 200
·tc
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z - 100
o
2000- 2001- 2002- 2003- 2004- 2005- 2006- 2007-
2001 2002 2003 2004 2005 2006 2007 2008
Year
118
Chart 3.2
-
a::
c
::s
0
E
2000
0
« 2000- 2001- 2002- 2003- 2004- 2005- 2006- 2007-
2001 2002 2003 2004 2005 2006 2007 2008
Year
Table 3.6 reveals that the number of students taking educational loans
education loans per year. This indicates that there is an increase in the
nationalized banks.
Table 3.6 also reveals that the amount disbursed from 2000-2001
119
average amount disbursed as education loans is Rs. 2695 crores per
the amount disbursed by nationalized banks per year. Also, though the
year-on-year basis.
Banks:
120
Table 3.7
Growth in Educational Loans Disbursed (Compound Annual
Growth Rate in %)
CAGR CAGR CAGR
2000- 2003- 2004- 2007- 2001- 2005- 2000-
Year
2001 2004 2005 2008 2004 2008 2008
(%) (%) (%)
Number
of 48694 107829 210617 336758 30 17 35
Accounts
Amount
31
(Rs. 668 1983 2782 5635 43 26
Crore)
Source: Compiled from Reserve Bank of India, Indian Banks'
Association.
Table 3.7 reveals the growth of educational loans in terms of number of
121
about 43 percent. Comparatively, the growth in the amount disbursed
nationalized banks.
Banks:
Table 3.8
Progress of Educational Loans (Outstanding)
Amount
Outstanding Number of Percent Rs. in Percent
as on ..... Accounts Change Crores Change
31.03.2001 112000 - 1028 -
31.03.2002 157000 40 1527 49
31.03.2003 239000 52 2870 88
31.03.2004 347000 45 4179 46
31.03.2005 468207 35 6713 61
31.03.2006 679945 45 10012 49
31.03.2007 944397 39 14283 43
31.03.2008 1246870 32 19817 39
Total 4194419 - 60429
Average 524302 41 7554 53
Source: Compiled from Reserve Bank of India, Indian Banks'
Association.
122
The data is presented in the Charts as follows:-
Chart 3.3
1400 1246.87
0 _ 1200
-C-c 0 1000
:J C
oo 0m 800
o :J 600
<C 0
-01- .c 400 157
112
o 200
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0 -r-----r
Chart 3.4
-
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s::: 10000 6713
:J
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E 5000 1028
«
0
Table 3.8 reveals that the total number of accounts outstanding for
123
of accounts outstanding for educational loans grew as high as 52
Table 3.8 also reveals that amount outstanding for educational loans
nationalized banks.
124
Table 3.9
125
Table 3.9 reveals that the total number of accounts for educational
State Bank of India has the highest number of accounts i.e. 214773 for
Bank of India has come out to be the leader in all 28 banks which has
2008. State Bank of Indore and lOBI Bank disbursed educational loans
thereby sharing the lowest i.e. 0 percent each in the total number of
Table 3.9 reveals that the total amount for educational loans disbursed
by all nationalized banks from 2004 to 2008 is Rs. 15886 crores. The
loans during 2004 and 2008 is Rs.567 crores. The table indicates that
banks from 2004 to 2008, State Bank of India has the highest share of
126
crores during 2004 and 2008 and has 8 percent share in total
nationalized banks:
table:-
127
Table 3.10
Year wise data for Educational loans disbursed by all 28 Banks
(No. of accounts)
128
Table 3.10 reveals that the total number of accounts for educational
borrowers for educational loans is observed in lOBI Bank for all the four
2008.
129
Table 3.11
130
Table 3.11 reveals that the total amount for educational loans
and 2008 is Rs.567 crores. The table indicates that State Bank of India
has provided maximum educational loans in all four years i.e. Rs.1016
in Urban areas and Rural and Semi Urban Areas, by all 28 banks from
131
Table 3.12
Educational Loans disbursed by all 28 banks in Urban areas and
Rural and Semi Urban Areas (Number of Accounts)
No. of Accounts (2004-2008)
Rural and
S. Urban Percent Percent
Name of the Bank Total Semi-urban
No. Areas to Total to Total
areas
1 Allahabad Bank 21907 14185 1 7722 1
2 Andhra Bank 48121 29403 2 18718 2
3 Bank of Baroda 48448 29896 3 18552 2
4 Bank of India 58207 34261 3 23946 2
5 Bank of Maharashtra 13832 8985 1 4847 0
6 Canara Bank 206493 100531 8 105962 9
7 Central Bank of India 27624 19608 2 8016 1
8 Corporation Bank 39079 21351 2 17728 2
9 Dena Bank 10503 6854 1 3649 0
10 Indian Bank 102588 49518 4 53070 4
11 Indian Overseas Bank 56179 22711 2 33468 3
12 lOBI Bank 2036 1238 0 798 0
Oriental Bank of
13 27187 21537 2 5650 1
Commerce
14 Punjab & Sind Bank 6174 3094 0 3080 0
15 Punjab National Bank 24816 15920 1 8896 1
16 Syndicate Bank 60079 30179 3 29900 3
17 UCO Bank 16834 9089 1 7745 1
18 Union Bank of India 46262 30932 3 15330 1
19 United Bank of India 18062 9378 1 8684 1
20 Vijaya Bank 20733 11737 1 8996 1
21 State Bank of India 214773 127728 11 87045 7
State Bank of
22 10095 6864 1 3231 0
Bikaner & Jaipur
State Bank of
23 Hyderabad
25072 12832 1 12240 1
24 State Bank of Mysore 12892 6822 1 6070 1
25 State Bank of Indore 2711 2196 0 515 0
26 State Bank of Patiala 10942 7595 1 3347 0
State Bank of
27 Saurashtra* 7578 - 0 - 0
State Bank of
28 Travancore 75918 13612 1 62306 5
Total 1215145 648350 53 559709 46
* Figures not available
Source: Indian Banks' Association
132
Table 3.12 reveals that from 2004 to 2008, the total number of
areas while 559709 students were from rural and semi-urban areas.
Out of total number of borrowers for all 28 banks, 53 percent were from
Table 3.12 also shows that amongst all nationalized banks, State Bank
for educational loans during 2004 and 2008. Out of this, 127728
students were from urban areas and 87045 borrowers were from rural
from State Bank of India and 9 percent borrowers were from Canara
Bank. In Urban areas, lOBI bank, Punjab & Sind Bank, and State Bank
loans during 2004 and 2008 viz. 1238, 3094 and 2196 respectively.
133
2004-2008 i.e. 1238. Whereas in rural and semi-urban areas, Bank of
Maharashtra, Dena Bank, lOBI bank, Punjab & Sind Bank, State Bank
The data related to amount disbursed in Urban and Rural & Semi
following table:-
134
Table 3.13
Educational Loans disbursed by all 28 banks in Urban areas and
Rural & Semi Urban Areas (Amount)
Amount Rs. Crore (2004-2008)
--~.
Rural and
S. Urban Percent Percent
Name of the Bank Total Semi-Urban
No. areas to Total to Total
areas
1 Allahabad Bank 402 261 2 141 1
2 Andhra Bank 643 380 2 263 2
3 Bank of Baroda 805 521 3 284 2
4 Bank of India 975 649 4 326 2
5 Bank of Maharashtra 268 196 1 73 0
6 Canara Bank 1223 661 4 563 4
7 Central Bank of India 457 326 2 131 1
8 Corporation Bank 352 241 2 111 1
9 Dena Bank 172 107 1 65 0
10 Indian Bank 1167 656 4 511 3
11 Indian Overseas Bank 621 299 2 322 2
12 lOBI Bank 23 15 0 8 0
- - f - - - - - f--
Oriental Bank of
13 445 345 2 100 1
Commerce - - f - - - f--
14 Punjab & Sind Bank 171 91 1 80 1
15 Punjab National Bank 584 346 2 238 2
16 Syndicate Bank 827 500 3 327 2
17 UCO Bank 280 150 1 130 1
- - --
18 Union Bank of India 553 398 3 155 1
19 United Bank of India 249 129 1 119 1
20 Vijaya Bank 284 185 1 99 1
21 State Bank of India 3577 2573 16 1005 6
State Bank of Bikaner
22 186 128 1 57 0
& Jaipur
State Bank of
23 Hyderabad
421 231 1 190 1
24 State Bank of Mysore 165 89 1 76 0
25 State Bank of Indore 32 26 0 7 0
26 State Bank of Patiala 265 208 1 57 0
- - f - - - - - 1--.
State Bank of
27
Saurashtra*
172 - 0 - 0
State Bank of
28 Travancore
567 137 1 430 3
Total 15886 9856 62 5875 37
* Figures not available
Source: Indian Banks' Association
135
Table 3.13 shows that the total amount disbursed by all nationalized
Table 3.13 also reveals that State Bank of India had disbursed the
Rs.1005 crores was disbursed in rural and semi-urban areas. Thus, out
and semi-urban areas, State Bank of India had disbursed the highest 6
to rural and semi-urban areas. lOBI Bank and State Bank of Indore
136
respectively. However, out of total amount disbursed in urban areas,
during 2004 and 2008. However, out of total amount disbursed in rural
Rural and Semi Urban Areas, sample banks from 2004 to 2008 is
Table 3.14
Educational Loans disbursed by Sample Banks in Urban areas
and Rural and Semi Urban Areas (number of accounts)
No. of Accounts (2004 to 2008)
Rural and
S. Urban Percent Percent
Name of the Bank Total Semi Urban
No. Areas to Total to Total
Areas
1 Bank of Baroda 48448 29896 7 18552 4
2 Bank of India 58207 34261 8 23946 6
Bank of
3 13832 8985 2 4847 1
Maharashtra
Central Bank
4 27624 19608 5 8016 2
of India
5 Dena Bank 10503 6854 2 3649 1
Union Bank
6 46262 30932 7 15330 4
of India
State Bank
7 214773 127728 30 87045 21
of India
Total 419649 258264 62 161385 38
Average 59950 36895 23055
Source: Indian Banks' Association.
137
The data is presented in the chart as follows:-
Chart 3.5
sample banks from 2004 to 2008 is 419649. Out of this, the total
138
semi-urban areas are 23055 . Among the sample banks under study,
during 2004 and 2008, State Bank of India had the highest number of
State bank of India, 127728 students were from urban areas and
87045 borrowers were from rural and semi-urban areas. Out of the
Bank of India, 34261 students were from urban areas and 23946
borrowers were from rural and semi-urban areas. Thus, Bank of India
sample banks, Dena Bank had the lowest number of borrowers for
educational loans during 2004 and 2008. Out of 10503 borrowers for
urban areas while 3649 borrowers were from rural and semi-urban
areas. Thus, out of the total 62 percent borrowers for educational loans
Bank had a mere 2 percent borrowers from Urban areas. While, out of
139
had lowest 1 percent borrowers from rural and semi-urban areas.
Overall, for all the banks among the sample, higher number of
from rural and semi-urban areas. This indicates that there are more
Semi-Urban areas:
The data related to amount disbursed in Urban and Rural and Semi
following table:-
Table 3.15
Educational Loans disbursed by Sample Banks in Urban areas
and Rural and Semi Urban Areas (Amount)
Amount Rs. Crore 2004 to 2008
Rural &
S. Urban Percent Percent
Name of the Bank Total Semi Urban
No. Areas to Total to Total
Areas
1 Bank of Baroda 805 521 8 284 4
2 Bank of India 975 649 10 326 5
Bank of
3 268 196 3 73 1
Maharashtra
Central Bank
4 457 326 5 131 2
of India
5 Dena Bank 172 107 2 65 1
Union Bank
6 553 398 6 155 2
of India
State Bank
7 3577 2573 38 1005 15
of India
Total 6808 4770 70 2038 30
Average 973 681 291
Source: Indian Banks' Association.
140
The data is presented in the chart as follows:-
Chart 3.6
3000
...
CP
...u
0
2500 K:I Amount
I/) disbursed in
-
a:
c
J
0
2000
Urban areas
E 1500
<t
§Amount
1000 disbursed in
rural and
500 semi-urban
areas
0
loans by sample banks during 2004 and 2008 is Rs.6808 crores. Out
141
crores while in rural and semi-urban areas it is RS.291 crores. Among
the sample banks under study, State Bank of India disbursed the
highest amount of educational loans during 2004 and 2008. Out of total
RS.1005 crores was disbursed in rural and semi-urban areas. Thus, out
banks in urban areas during 2004 and 2008, State Bank of India had
Rs.975 crores towards educational loans during 2004 and 2008. Out of
semi-urban areas. Among the sample banks, Dena Bank had the
142
Dena Bank had disbursed a mere 2 percent amount. Whereas, it
areas. Overall, for all the banks among the sample, higher amount of
as follows:
Table 3.16
143
Chart 3.7
-UI
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::l
0
u
20000
15000
15174 15184
-
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0
10000
5000
0
2004-05 2005-06 2006-07 2007-08
Year
Chart 3.8
200
-C
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o 100
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«
o
2004-05 2005-06 2006-07 2007-08
Year
Table 3.16 reveals that the total number of borrowers for educational
loans from Bank of Baroda during 2004 and 2008 was 48448. The
144
Baroda is 12112 per year in the country. The number of students taking
taking educational loans from Bank of Baroda per year. Similarly, the
during 2004 and 2008 was Rs.805 crores. The amount of educational
145
12. Progress of educational loans provided by Bank of India:
follows:
Table 3.17
Chart 3.9
-U)
c:
J
0
20000
15000
18774
u
u
-
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10000
5000
0
2004-05 2005-06 2006-07 2007-08
Year
146
Chart 3.10
-
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a::
c 200
::l
0
E 100
<
0
2004-05 2005-06 2006-07 2007-08
Year
Table 3.17 reveals that the total number of borrowers for educational
loans from Bank of India during 2004 and 2008 was 58207. The
of India per year. This indicates that there is an increase in the number
India. The table also shows that the total amount disbursed by Bank of
147
as high as 109 percent over 2004-2005. It increased by a low 31
loans by Bank of India per year. This indicates that there is an increase
year.
Maharashtra is as follows:-
Table 3.18
Number of Amount
Year Accounts Change Rs. in Crores Chanae
2004-05 2081 - 32 -
2005-06 3391 63 55 74
2006-07 4307 27 82 49
2007-08 4053 -6 99 21
148
Chart 3.11
-
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(,)
5000
4000
(,)
-
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3000
2000
z 1000
0
2004-05 2005-06 2006-07 2007-08
Year
Chart 3.12
-
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a: 60
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::::J 40
0
E
« 20
0
2004-05 2005-06 2006-07 2007-08
Year
Table 3.18 reveals that the total number of borrowers for educational
loans from Bank of Maharashtra during 2004 and 2008 was 13832.
149
increased from 2081 in 2004-2005 to 4053 borrowers in 2007-2008.
fram Bank of Maharashtra. The table also shows that the total amount
India is as follows:-
150
Table 3.19
Chart 3.13
10886
12000 , . . . . - - - - - - - - - - - - - - - - . . . . . ,
-E 10000
5
(,)
8000
~
-
o
~
6000
4000
2000
3580
o
2004-05 2005-06 2006-07 2007-08
Year
151
Chart 3.14
-
ui
a:
c 100
::J
0
E
0< 50
0
2004-05 2005-06 2006-07 2007-08
Year
Table 3.19 reveals that the total number of borrowers for educational
loans from Central Bank of India during 2004 and 2008 was 27624.
Bank of India is 6906 per year in the country. The number of borrowers
Central Bank of India per year. This indicates that there is an increase
from Central Bank of India. The table also shows that the total amount
disbursed by Central Bank of India during 2004 and 2008 was Rs. 457
152
Rs.114 crores per year. The amount disbursed in 2006-2007
follows:-
Table 3.20
153
Chart 3.15
5000
-rn
£:
:::J
0
u
4000
3000
4091
-
0
z
m
0
2000
1000
0
2004-05 2005-06 2006-07 2007-08
Year
Chart 3.16
60
0
--
G)
rn
50
40
-
a:
£:
:::J
0
30
20
E
« 10
0
2004-05 2005-06 2006-07 2007-08
Year
Table 3.20 reveals that the total number of borrowers for educational
loans from Dena Bank during 2004 and 2008 was 10503. The average
154
per year in the country. The number of borrowers increased from 2128
Bank per year. This indicates that the number of students taking
educational loans from Dena Bank has reduced per year. The table
also shows that the total amount disbursed by Dena Bank during 2004
and 2008 was RS.172 crores. The average amount disbursed by Dena
per year.
is as follows:-
155
Table 3.21
Chart 3.17
-t/)
c:
J
0
()
12000
9000
-
()
as
0 6000
0
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0
2004-05 2005-06 2006-07 2007-08
Year
156
Chart 3.18
...
0
200
en 150
-
a:
s::
::s
0
E
100
C3: 50
0
2004-05 2005-06 2006-07 2007-08
Year
Table 3.21 reveals that the total number of borrowers for educational
loans from Union Bank of India during 2004 and 2008 was 46262. The
India. The table also shows that the total amount disbursed by Union
Bank of India during 2004 and 2008 was Rs. 553 crores. The average
amount disbursed by Union Bank of India is Rs. 138 crores per year.
157
The amount disbursed in 2006-2007 increased to Rs.140 crores,
educational loans by Union Bank of India per year. This indicates that
is as follows:-
Table 3.22
158
Chart 3.19
-t/)
c:
:::s
0
80000
60000
60878 58442
48444
(.)
(.)
-
«
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0
0
40000
20000
0
2004-05 2005-06 2006-07 2007-08
Year
Chart 3.20
-
a:
c:
:::s
0
800
400
E
« 0
2004-05 2005-06 2006-07 2007-08
Year
Table 3.22 reveals that the total number of borrowers for educational
loans from State Bank of India during 2004 and 2008 was 214773. The
159
i.e. by -4 percent in 2006-2007 over 2005-2006. It reduced further by -
educational loans from State Bank of India per year. This indicates
of educational loans from State Bank of India. The table also shows
that the total amount disbursed by State Bank of India during 2004 and
2008 was Rs. 3577 crores. The average amount disbursed by State
Bank of India is Rs. 894 crores per year. The amount disbursed in
loans by State Bank of India per year. This indicates that there is an
160
Table 3.23
161
and Union Bank of India. Yet, the increase in number of accounts of
Dena Bank had the lowest number of borrowers for educational loans
percent. However, except for Dena Bank among the sample, all other
The table also reveals that the amount of educational loans disbursed
162
Rs.72 crores in 2004-2005 to Rs.196 crores in 2007-2008 thereby
163
Table 3.24
Amount Outstanding for Priority Sector Advances (PSA) and
Educational loans (EL) of all 28 banks
(Amount Rs. Crore)
As on March As on March I
I
As on March As on March
2005 2006
--
! 2007 2008
r
Name of the Bank PSA EL PSA EL PSA EL PSA EL
Allahabad Bank 9592 111 12453 208 16554 324 18774 463
,
Andhra Bank 7070 511 8924 677 , 11427 905 13298 1168
Bank of Baroda 13524 281 18740 436 25291 677 31681 917
Bank of India 17682 291 22611 467 ! 28735 720 32827 1018
Bank of
5465 68 7206 105 9576 168 11147 249
Maharashtra
Canara Bank 24777 719 30937 955 I
I 37844 1252 43202 1737
--
Central Bank
14272 181 17897 257 I 22496 380 25230 569
of India I
Corporation Bank 6579 101 9044 157 11564 261 13071 449
Dena Bank 4755 57 6074 105 7629 162 8096 210
IDBI Bank* - - 6872 - 9557 1 15233 39
Indian Bank 8105 162 10675 376 13335 692 14965 1149
Indian Overseas
10450 318 14114 417 17290 539 20303 732
Bank
Oriental Bank of
11081 209 13399 287 15955 406 18464 583
Commerce I
Punjab & Sind Bank 3096 47 i 3994 70 5032 101 6045 148
(----
Punjab National I
164
Table 3.24 reveals that the total amount outstanding for priority sector
Bank of India has the highest amount outstanding for priority sector
Among the sample banks under study, State Bank of India has the
165
on March 2005, Rs.226ll crores as on March 2006, Rs.28735 crores
Dena Bank has the lowest amount outstanding for priority sector
as on 31 st March 2008:
166
Table 3.25
ELasa
%of
S. No. Name of the Bank PSA EL PSA
1 Allahabad Bank 18774 463 2.5
2 Andhra Bank 13298 1168 8.8
3 Bank of Baroda 31681 917 2.9
4 Bank of India 32827 1018 3.1
5 Bank of Maharashtra 11147 249 2.2
6 Canara Bank 43202 1737 4.0
7 Central Bank of India 25230 569 2.3
8 Corporation Bank 13071 449 3.4
9 Dena Bank 8096 210 2.6
10 lOBI Bank 15233 39 0.3
11 Indian Bank 14965 1149 7.7
12 Indian Overseas Bank 20303 732 3.6
13 Oriental Bank of Commerce 18464 583 3.2
14 Punjab & Sind Bank 6045 148 2.4
15 Punjab National Bank 43412 1035 2.4
16 Syndicate Bank 21841 852 3.9
17 UCO Bank 29803 333 1.1
18 Union Bank of India 10041 677 6.7
19 United Bank of India 20452 277 1.4
20 Vijaya Bank 11506 311 2.7
21 State Bank of India 133202 4413 3.3
State Bank of Bikaner &
22 Jaipur 10373 187 1.8
23 State Bank of Hyderabad 12727 598 4.7
24 State Bank of Mysore 7753 274 3.5
25 State Bank of Indore 6960 117 1.7
26 State Bank of Patiala 11656 173 1.5
27 State Bank of Saurashtra 4875 86 1.8
28 State Bank of Travancore 12025 1052 8.7
Total 608963 19817 3.3
Source: Indian Banks' Association, Reserve Bank of India.
Table 3.25 reveals that for all nationalized banks, the total amount
167
608963 crores. Also, for all nationalized banks, the total amount
observed in lOBI Bank i.e. 0.3 percent. The amount outstanding for
Among the sample banks under study, Union Bank of India has the
168
Central Bank of India is Rs.25230 crores and amount outstanding for
Table 3.26
As on As on As on As on
S. Name of
March March March March Mean S.D.
No. the Bank
2005 2006 2007 2008
1 Bank of
Baroda 2.1 2.3 2.7 2.9 2.5 0.37
Bank of
2
India 1.6 2.1 2.5 2.5 2.2 0.43
Bank of
3
Maharashtra 1.2 1.5 1.8 2.2 1.7 0.43
Central
4 Bank of
India 1.3 1.4 1.7 2.3 1.7 0.45
5
Dena Bank 1.2 1.7 2.1 2.6 1.9 0.59
Union Bank
6
of India 5.1 4.9 4.9 6.7 5.4 0.87
State Bank
7
of India 2.5 2.9 3 3.3 2.9 0.33
Source: Reserve Bank of India, Indian Banks' Association.
Table 3.26 reveals that the highest Mean of 5.4 is observed in Union
Bank of India and the lowest Mean of 1.7 is observed in both i.e. Bank
169
clearly reveals that in each bank except for Union Bank of India,
Table 3.27
Amount Outstanding
(Amount Rs. in Crores)
Educational Education
Priority Sector Loans Loans as a
As on March Advances Advances %age of PSA
2001 127478 1028 0.81
2002 149116 1527 1.02
2003 171485 2870 1.67
2004 244456 4179 1.71
2005 310727 6713 2.16
2006 409791 10012 2.44
2007 521181 14283 2.74
2008 608963 19817 3.25
Source: Reserve Bank of IndIa, IndIan Banks' AssocIation.
Table 3.27 reveals the amount outstanding for priority sector advances
170
outstanding for Educational loans of all nationalized banks as on March
Table 3.28
Amount Outstanding
(Amount Rs. in Crores)
Priority Sector Educational
Advances Loans Advances
As on March X values Yvalues
2001 127478 1028
2002 149116 1527
2003 171485 2870
2004 244456 4179
2005 310727 6713
2006 409791 10012
2007 521181 14283
2008 608963 19817
Source: Reserve Bank of India, Indian Banks' Association.
171
Results:
Nationalized Banks.
Nationalized Banks.
Table 3.28 reveals that X values and Y values show a strong positive
The progress of education loans is available with two samples i.e. all
the Nationalized banks and seven sample banks. Hence, Z test can be
172
Table 3.29
Total 204.4
Average 29.2
banks.
173
:.Ho= Ps = PN
Where PI = 29.2%
P2 =31.1%
29.2 -31.1
:. Z = ----r========
/29.2x70.8 + 31.1x~8~
-V 7 28
29.2 -31.1
= ----.=:::::=:========
206;.36 + 21~~.79
-1.9
= ---:-jr=29=5=.3=3=+=7=6=.5=3
174
-1.9
=
..)371.86
-1.9
=
19.28
= -0.0985
The calculated value -0.0985 is lower than the table value of 1.96. As
Ho is two sided in the given question, a two tailed test can be applied
z ~ 1.96
175