Top Banks in India

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The banking in India started with the establishment of the General Bank of India in 1786. Later the Bank of Hindustan was also established. However, both the banks are not in functional state currently. It's the State Bank of India, which is currently the oldest bank in India in existence, established in 1806.


Since the beginning, due to huge market potential, a number of banking companies have come up in India, which include both, public sector as well as private sector banks. However, the list of top 10 banking companies in India has mostly been dominated by the State Bank of India (SBI).

Since the initial days, the State Bank of India has dominated the Indian banking industry accounting for nearly 20% of the Indian banking system's deposit base. It also has got almost 20% of the credit portfolio.

The recent economic slowdown, like many other industries, also affected the Indian banking industry. However, it showed resilience to the global recession.

List of Top 10 Banking Companies in India



Following is the list of top 10 banking companies in India:

State Bank of India (Figures (2008-09) are in crore, unless specified other)

No. of offices 11447
No. of employees 205896
Business per employee (in ` lakh) 556.00
Profit per employee (in ` lakh) 4.74
Capital and Reserves & surplus 57948
Deposits 742073
Investments 275954
Advances 542503
Interest income 63788
Other income 12691
Interest expended 42915
Operating expenses 15649
Cost of Funds (CoF) 5.85
Return on advances adjusted to CoF 3.83
Wages as % to total expenses 16.64
Return on Assets 1.04
CRAR 14.25
Net NPA ratio 1.76

 

HDFC Bank



(Figures (2008-09) are in crore, unless specified other)

No. of offices 1400
No. of employees 52687
Business per employee (in ` lakh) 446.00
Profit per employee (in ` lakh) 4.18
Capital and Reserves & surplus 14652
Deposits 142812
Investments 58818
Advances 98883
Interest income 16332
Other income 3291
Interest expended 8911
Operating expenses 5533
Cost of Funds (CoF) 6.83
Return on advances adjusted to CoF 8.12
Wages as % to total expenses 15.50
Return on Assets 1.28
CRAR 15.69
Net NPA ratio 0.63

 

Axis Bank



(Figures (2008-09) are in crore, unless specified other)

No. of offices 786
No. of employees 20624
Business per employee (in ` lakh) 1060.00
Profit per employee (in ` lakh) 10.02
Capital and Reserves & surplus 10215
Deposits 117374
Investments 46330
Advances 81557
Interest income 10835
Other income 2897
Interest expended 7149
Operating expenses 2858
Cost of Funds (CoF) 5.88
Return on advances adjusted to CoF 4.69
Wages as % to total expenses 9.97
Return on Assets 1.44
CRAR 13.69
Net NPA ratio 0.40

 

Bank of India



(Figures (2008-09) are in crore, unless specified other)

No. of offices 2934
No. of employees 40155
Business per employee (in ` lakh) 833.00
Profit per employee (in ` lakh) 7.49
Capital and Reserves & surplus 13495
Deposits 189708
Investments 52607
Advances 142909
Interest income 16347
Other income 3052
Interest expended 10848
Operating expenses 3094
Cost of Funds (CoF) 5.79
Return on advances adjusted to CoF 4.00
Wages as % to total expenses 13.90
Return on Assets 1.49
CRAR 13.01
Net NPA ratio 0.44

 

Punjab National Bank



(Figures (2008-09) are in crore, unless specified other)

No. of offices 4323
No. of employees 54780
Business per employee (in ` lakh) 654.92
Profit per employee (in ` lakh) 5.64
Capital and Reserves & surplus 14654
Deposits 209760
Investments 63385
Advances 154703
Interest income 19326
Other income 2920
Interest expended 12295
Operating expenses 4206
Cost of Funds (CoF) 6.05
Return on advances adjusted to CoF 4.62
Wages as % to total expenses 17.72
Return on Assets 1.39
CRAR 14.03
Net NPA ratio 0.17

 

Bank of Baroda



(Figures (2008-09) are in crore, unless specified other)

No. of offices 2916
No. of employees 36838
Business per employee (in ` lakh) 914.00
Profit per employee (in ` lakh) 6.05
Capital and Reserves & surplus 12836
Deposits 192397
Investments 52446
Advances 143986
Interest income 15092
Other income 2758
Interest expended 9968
Operating expenses 3576
Cost of Funds (CoF) 5.36
Return on advances adjusted to CoF 3.58
Wages as % to total expenses 17.34
Return on Assets 1.09
CRAR 14.05
Net NPA ratio 0.31

 

ICICI Bank Limited

(Figures (2008-09) are in crore, unless specified other)

No. of offices 1408
No. of employees 34596
Business per employee (in ` lakh) 1154.00
Profit per employee (in ` lakh) 11.00
Capital and Reserves & surplus 49883
Deposits 218348
Investments 103058
Advances 218311
Interest income 31093
Other income 7604
Interest expended 22726
Operating expenses 7045
Cost of Funds (CoF) 5.97
Return on advances adjusted to CoF 4.09
Wages as % to total expenses 6.62
Return on Assets 0.98
CRAR 13.96
Net NPA ratio 2.09

 

Union Bank of India



(Figures (2008-09) are in crore, unless specified other)

No. of offices 2569
No. of employees 29014
Business per employee (in ` lakh) 694.00
Profit per employee (in ` lakh) 6.28
Capital and Reserves & surplus 8740
Deposits 138703
Investments 42997
Advances 96534
Interest income 11889
Other income 1483
Interest expended 8076
Operating expenses 2214
Cost of Funds (CoF) 6.15
Return on advances adjusted to CoF 4.27
Wages as % to total expenses 11.19
Return on Assets 1.27
CRAR 12.01
Net NPA ratio 0.34

 

Citibank

(Figures (2008-09) are in crore, unless specified other)

No. of offices 41
No. of employees 4795
Business per employee (in ` lakh) 1880.10
Profit per employee (in ` lakh) 45.12
Capital and Reserves & surplus 11518
Deposits 51677
Investments 24519
Advances 39920
Interest income 6840
Other income 3582
Interest expended 2429
Operating expenses 2587
Cost of Funds (CoF) 3.57
Return on advances adjusted to CoF 9.04
Wages as % to total expenses 17.56
Return on Assets 2.12
CRAR 13.23
Net NPA ratio 2.63

 

Canara Bank

(Figures (2008-09) are in crore, unless specified other)

No. of offices 2740
No. of employees 44090
Business per employee (in ` lakh) 780.17
Profit per employee (in ` lakh) 4.97
Capital and Reserves & surplus 12208
Deposits 186893
Investments 57777
Advances 138219
Interest income 17119
Other income 2311
Interest expended 12401
Operating expenses 3065
Cost of Funds (CoF) 6.75
Return on advances adjusted to CoF 3.69
Wages as % to total expenses 12.14
Return on Assets 1.06
CRAR 14.1
Net NPA ratio 1.09

 

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