annexure i - shodhgangashodhganga.inflibnet.ac.in/bitstream/10603/92836/16/16_appendice… · 14...

Annexure I

Impact of Core Banking System implementation on Business performance and Profitability of selected Urban Cooperative Banks in Pune City

Questionnaire

Part – I (Bank profile) Sr.No. Description Response (Present status)

1 Name of the Bank 2 Status Multistate UCB / Scheduled UCB / UCB

3 Year of establishment 4 Present area of operation 5 Number of branches 6 Audit class

Part – II (Project initiation) Sr.No. Description Response

1 Month and Year in which decision was taken to implement CBS

2 Month and Year in which CBS project started

3 Year from which all braches got live in CBS

Part – III (Procedure followed for implementation of CBS)

Sr.No. Description Response 1 Whether any awareness training was

provided to Board Members Yes / No Senior Management Yes / No Middle Management Yes / No Staff Yes / No

2 Whether requirement specification document was prepared?

3 Was Core committee and Implementation committee or similar committees were setup for CBS project?

4 If yes, indicate name and designation of the person heading such committees

Name of committee Head (Name) Designation Name of committee Head (Name) Designation

5 Whether consulting services were hired?

5.1 If yes, please indicate name of the firm / individual

6 CBS ownership is based on Outright purchase model

348

Application service provider (ASP) model 7 Name of the vendor 8 Poduct name and version of the

software

9 Whether open tender or closed / limited tender system was followed for procurement of CBS application software?

10 Was Business Process Reengineering (BPR) exercise undertaken by the Bank?

11 Whether consultancy services were availed for BPR exercise?

11.1 If yes, please indicate name of the firm / individual

12 Who carried out Data migration? Bank team / Software vendor team / Outsourced 13 Whether migration audit was taken

up?

13.1 If yes, pl indicate name of the agency 14 Whether User Acceptance Test was

conducted before implementation?

Questions from 15 to 19 are applicable only if CBS software has been introduced with Outright purchase model

15 Data centre (DC) is owned by bank or being hired from other bank?

16 If hired, pl indicate name of bank from whom it is hired

17 What kind of arrangement is there for Disaster Recovery (DR) site?

18 Where it is located? 19 Whether Bank has obtained any

security certification such as ISO 27001 for DC and DR?

20 Implementation was done in phased

manner or all branches were taken-up in one go?

21 Whether training was provided by Application software vendor to

Staff

Middle Management Senior Management Board Members

22 Whether bank has separate IT Department?

23 Whether any special recruitment was taken-up after CBS project?

Pl enclose organization chart of IT Department

349

Part – IV (Investment details – Please use enclosed Excel worksheet to derive following figures)

Sr.No. Description Response

1 Capital expenditure on CBS project Amount in Lakhs ` 2

Revenue expenditure on CBS project Amount in Lakhs ` (Yearwise from year of introduction to current year)

Cost investment for CBS project Investment made in initial year and subsequent years towards AMC plus New purchase together may please be provided till current year (Please provide amount as Rupees in Lakhs) <<Year>> <<Year>> <<Year>>

Year ---->>> (A) Data Centre (DC) set-up

Physical infrastructure such as place, civil work, network cabling, electrical work, furniture, air-conditioning, fire detection system, fire estinguisihing system, access control system, video surveillance, UPS, Electricity generator etc Disaster Recovery Site (DRS) set-up

Physical infrastructure such as place, civil work, network cabling, electrical work, furniture, air-conditioning, security, UPS, Electricity generator etc

Fees paid to System Integrator (SI) agency / Implementation partner

Fees paid to Technical / Functional consultants DC+HO DR Branch Make (B) Hardware Server Production Stand-by MIS Application

350

Test and Development Mail DNS Anti-virus Any other Clients Thick+OS license Thin+OS license Storage SAN Switch Back-up (C ) Software Operating System (Server+CALs) Production server Stand-by server MIS server Application server Test and Development server Mail server DNS server Anti-virus server Any other server Application Software HO modules Branch module (For all branches) (D) Network cabling Networking equipments Router Switches (E) Network Management System (F) Interconnectivity Primary

351

Leased/ISDN/V-SAT/WiMax Stand-by Leased/ISDN/V-SAT/WiMax (G) Information Security and other equipments Intrusion Prevention System (IPS) Intrusion Detection System (IDS) Firewall Unified Threat Management System (UTM) Host Security Module (HSM) NTP Switch Load Balancing System Any other (H) Manpower / HR for IT

(I) Any other, pl specify Total (A+B+C+D+E+F+G+H+I)

Human Resources of IT Department to up-keep DC, DR and Branch operations Location Sr.No. Designation DC/DR/Branch

Services introduced after implementation of CBS Year wise cost towards AMC/Membership =====>>>> Please provide amount as Rupees in Lakhs

Year in which introduced

Initial investment

Year Year

Sr.No. Name of the product / service

1 Any Where Banking (AWB) 2 ATM 3 ATM Network 4 NFS

352

5 BANCs 6 Cashtree 7 Internet Banking 8 Mobile Banking 9 Tele Banking

10 ECS/EFT/NEFT 11 RTGS 12 NDS 13 Utility Bill Payment

14 Payment gateway (RuPay/VISA/Master/…)

15 Share trading 16 Credit Card Payments 17 Any other, please specify

Software Products introduced after implementation of CBS Year wise cost towards AMC/Membership =====>>>> Please provide amount as Rupees in Lakhs <<year>> <<year>>


Initial investment H/w plus S/w

Sr.No. Name of the software product 1 Risk Management Software

2 Assets Liability Management (ALM)

3 Anti Money Laundering (AML)

4 Customer Relationship Management (CRM)

5 Business Intelligence (BI)

6 Off Site Surveillance System (OSS)

7 Trade Finance 8 Treasury 9 NDS/PDO

10 RTGS 11 Workflow Management 12 Intranet 13 Any other, please specify

Name of the new customer friendly and innovative Deposit / Advances / Any other product / service introduced after implementation of CBS


Sr.No. Name of the product / service

353

Volume of business through technology based and other services Please provide amount as Rupees in Lakhs

Year Year

# Transactions Business # Transactions Business

Sr.No. Name of the product / service 1 Any Where Banking (AWB) 2 ATM 3 Bank's customer using Bank's

ATM

4 Bank's customer using other Bank's ATM

5 Other Bank's customer using Bank's ATM

6 Internet Banking 7 Mobile Banking 8 Tele Banking 10 ECS/EFT/NEFT 11 RTGS 9 Utility Bill Payment 10 Payment gateway

(RuPay/VISA/Master/…)

11 Share trading 12 Credit Card Payments 13 Bank assurance 14 Franking/Stamp papers 15 PAN card services 16 Depository services 17 Foreign exchange services 18 Any other, pl indicate

• This format would be useful for banks to monitor contribution of delivery

channels to overall performance of the business

354

Annexure II

Impact of Core Banking System implementation on Business performance and Profitability of selected Urban Cooperative Banks in Pune City

Interview Questionnaire

Name of the Bank: ____________________________________________ Date: ______________ (For Board of Directors)

1. Please tell me your name and about educational background 2. For how many years you are Director of this Bank? 3. What were the challenges before your Bank due to which decision was taken to introduce

CBS in your Bank? a. Survival strategy b. Customer expectations c. Cost reduction d. Control (Decision making information) e. Competition f. Improve profitability g. Increasing volume of business h. Introducing more customer friendly, innovative services and customized products i. Redeployment of existing manpower for more productive purposes j. Quick and efficient customer services k. Empowering front office employees with routinely required information l. Mitigating various types of Business Risks such as Interest Rate Risk, Market

risk, Operational Risk m. Any other

4. What was the approximate initial investment made by bank in CBS project? 5. How did the Bank mobilize resources for CBS implementation?

a. Own funds b. Reserves created exclusively for this project c. Borrowed funds d. Any other

6. What kinds of committees were constituted at the time of CBS implementation? Who headed those committees?

7. You were part of which committee set-up by your Bank at the time of CBS implementation?

8. How those committees helped in implementation of CBS? 9. Such committees, under what circumstances were required to be reconstituted during the

implementation period? 10. What were the norms on which Technical and Functional consultants were appointed by

the Bank? a. Selection criteria b. Procedure c. Cost d. Responsibilities e. Period f. Contract details

11. What kind of resistance the Bank faced from the following w.r.t. CBS implementation? a. Board b. Top Management c. Employees d. Any other

12. How the Bank could resolve those issues? 13. Who was designated as Project Sponsor? 14. How did the Bank select / appoint Project Manager (PM)?

355

15. What were the responsibilities of Project Manager? 16. To whom PM used to report and at what frequency? 17. What were the major problems brought to the notice of Board of Directors by PM? 18. What kind of changes the Bank was required to make on existing business processes such

as Sanctioning of Loan, Accepting Deposits and Investments etc while implementing CBS?

19. What are the factors considered for establishing separate IT Department? 20. How far the investment made in CBS yielded result in overall efficiency of the Bank? 21. Please tell about the benefits that Bank has got after implementation of CBS? 22. Any other issue you would like to share?

(For Project Manager) Name of the respondent: _______________________________________ Present Designation: _______________________________ Basic Information

1. Please tell about your Basic qualification, Banking related and IT related educational back-ground

2. How long you have been working with the Bank and in which capacities? 3. Have you worked with any other bank prior to joining this bank? In which capacity?

Selection and Responsibilities of Project Manager 4. How were you selected for the post of Project Manager? 5. What were your primary responsibilities as PM? 6. What steps were taken by you as a PM prior to the implementation of CBS? 7. Which documents were prepared by you as a PM?

Software environment prior to CBS and Data Migration 8. Which software was in use by the Bank prior to CBS implementation? 9. What kind of documentation was available w.r.t. Banking Software in use by the Bank,

prior to CBS implementation? a. Menu structures b. System flow charts c. Data flow diagrams d. Database structures

10. How did you ensure quality of data migrated to the new system? 11. On what basis migration audit was taken-up? 12. Who were the migration auditors? 13. How the agency for migration audit was selected?

a. Selection criteria b. Procedure c. Cost d. Contract details

CBS implementation 14. Who is your Core Banking Software vendor?


15. Who carried out implementation and roll out of CBS application software? a. CBS software vendor b. Implementation partner

16. If implementation partner was involved then how the bank selected such partner? a. Selection criteria b. Procedure c. Cost d. Contract details

17. What kinds of problems were faced by Implementation partner while achieving implementation schedule?

18. How those problems were taken care? 19. From whom did you purchase Hardware?

a. Selection criteria

356

b. Procedure c. Cost d. Scalability e. Contract details

20. From whom did you purchase Networking equipments? a. Selection criteria b. Procedure c. Cost d. Scalability e. Contract details

21. How did you assess the requirements of System Integrator (SI)? 22. Who carried out job of System Integration?


23. On what basis time limit for completion of project was fixed to SI? 24. How many times the extension in time limit was provided? 25. What were the reasons for such extension? 26. How many years the SI was with the bank after implementation of CBS? 27. What kind of issues the Bank faced after the contract was over? 28. What are the alternative mechanisms developed by the Bank? 29. What kind of consultancy (Technical / Functional) support was availed?


30. To what extent you are satisfied with regard to services and support from consultants (Technical / Functional)?

31. Whether the Bank has its own Data Centre and Disaster Recovery site? Who carried out the work of setting-up Data Centre?


32. What kinds of issues were faced by the Bank while setting-up Data Centre? 33. How those were taken care?

Gap analysis (Actual process vs. Software)

34. How the existing processes changed with processes available with Software? 35. What were the shortcomings in those existing systems? 36. To what extent CBS helped your Bank to overcome the shortcomings?

Scope of CBS 37. How did you ensure sufficient insights into features of new system introduced

a. Detailed product walk-through b. Comprehensive documentation c. Training by the vendor d. Any other

38. How the scope of CBS was defined? 39. Under what circumstances the scope got changed?

Areas of Customisation

40. Which CBS modules required customization? 41. To what extent it was essential / necessitated?

Review of implementation 42. What mechanisms were in place to assess progress of implementation of CBS? 43. Which techniques were used to assess the progress?

a. PERT charts b. Review meetings c. Action taken report

357

d. Any other, pl indicate 44. What are the areas in which deviation took place in terms of activity vs. implementation?

Time limit for implementation of CBS 45. What was the time limit set by the Bank for CBS implementation? 46. How much time it took to implement CBS? 47. What were the causes for such gaps in the time limits set? 48. Which new projects were initiated parallely during the implementation of CBS?

Issues faced CBS software

49. What sort of issues you came across with CBS software in addition to those identified during Gap analysis and while defining scope of the project?

50. What mechanism was present to solve such issues? Inter Departmental Coordination

51. Which Departments were involved in CBS implementation 52. What kind of role and responsibilities were assigned to those Departments? 53. What sort of issues you faced in terms of inter-departmental coordination? 54. How could you resolve those issues?

Funds 55. What was the total cost of CBS project anticipated at the beginning of the implementation? 56. How much cost was actually spent? 57. How far was management willing to spend additional amount?

Manpower 58. What was the projected manpower in implementation of CBS? 59. How many of them were actually involved in implementation of CBS? 60. How did you manage the inadequate manpower in implementation of CBS? 61. What kind of behavioral issues you faced amongst team members and also amongst

various Departments? 62. How could you resolve such issues? 63. What kind of technical and functional expertise was available for you during CBS

implementation? 64. How far it was adequate?

Post CBS implementation 65. How was the overall support provided by the consultants? 66. How many years the SI/IP was with the Bank after implementing CBS? 67. What issues were faced by the Bank after contract was over? 68. What were the alternative mechanisms developed within the Bank? 69. What are the lessons that you learnt while designing / implementation / post

implementation? Support from Management

70. How was the overall support provided by the Management in terms of a. Time required for CBS implementation b. Moral support c. Training opportunities d. Incentives e. Consultants f. Manpower g. Funds

Any other thing you would like to share

***** (For IT Head) Name of the respondent: _______________________________________ Designation: ________________________________ Basic Information

1. Please tell about your Basic qualification, banking related and IT related educational back-ground

2. How long you have been working with this Bank and in which capacities? 3. Have you worked with any other Bank prior to joining this Bank? In what capacity?

358

4. What was the level of automation at your previous Bank? 5. What kind of business applications were implemented in your previous organizations

during your tenure there? 6. What was your role during CBS implementation? 7. What are your primary responsibilities as IT Manager? 8. Whether the hardware available at the time of CBS implementation was capable of

running new system? Scalability of CBS

9. Under which other Operating environment your CBS application is capable of running? 10. Load of how many more users / transactions it can take without compromising on speed

that it offer at present? Software issues

11. What kind of arrangements Bank had, to avail necessary support from the software vendor during the implementation and in post implementation period?

12. What types of issues were faced by the Bank with CBS application software during warranty and in post warranty period?

13. What were the mechanisms to solve those issues? 14. In case of not receiving timely support from the software vendor, what kinds of provisions

were available in contract / agreement? 15. How many times Bank was required to impose penalties on account of support and other

issues to your software vendor? Complaint resolution

16. What is the mechanism to lodge complaints from users regarding CBS? 17. What kind of complaints you receive normally from users after introduction of CBS?

a. Availability of power b. Speed and performance of application c. Hardware d. Networking e. Storage f. Any other

18. What is the frequency of such complaints? 19. How much time is taken to resolve the complaints? 20. How do you ensure timely and quality Technical support to the Bank employees?

Manpower in IT 21. What is the Setup / Structure of IT Department of your Bank? 22. What kind of expert manpower available with you in IT Department? 23. How often employees of IT Department are provided training of latest developments

happening in their respective field? 24. What kind of system your Bank has, to gauge performance of team members of IT

Department? 25. How adequate is the existing manpower in IT Department to manage the CBS? 26. What are the issues which could be resolved at the IT Department itself? 27. For what kind of issues, your Bank still needs to depend upon the software vendor?

AMC 28. Which components of CBS are under AMC?

29. Items which are not covered under AMC / reasons 30. What is the cost of AMC of each component? 31. How do you ensure the low cost of AMC services? 32. What are the contractual aspects of AMC?

Technology obsolescence 33. For how many years the systems deployed at the time of implementation are expected to

last? 34. What is the plan of action for system up-gradation? 35. What is the anticipated cost of system up-gradation? 36. What kinds of provisions are thought of by the management for system up-gradation?

IT security 37. What kind of system is in place to take care of issues relating to Information Security? 38. What kind of consultancy support was availed for Information Security?

a. Selection criteria

359

b. Procedure c. Cost d. Contract details

39. Whether Data Centre operations have ISO 27001 / BS17799 kind of certification? 40. How Information Security policy has been communicated by your Bank to employees?

Violation and penalties 41. Under what circumstances the violation takes place in the system usage? 42. What are the preventive measures prescribed by the management? 43. What are the penalties for violating prescribed norms?

Disaster recovery site 44. Where is your Disaster Recovery Site (DRS)? 45. What is the procedure to shift over to DRS? 46. How secure it is? 47. What is the arrangement made with regard to Business Continuity Plan / Disaster

Recovery (BCP/DR)? 48. What is the role of management in it? 49. How often you carry out mock exercise to ensure DR functionality?

Support of management 50. How far the management is taking interest in the CBS? 51. To what extent management encouraged you in new initiatives?

Overall 52. What do you feel about the CBS implementation in your bank? 53. What are the other issues confronted by you during the course of managing CBS? 54. What kind of projects / new initiatives you are planning to propose to the management of

your Bank? 55. Any other issue you would like to share?

(For Employees) Name of the respondent: _______________________________________ Designation: ___________________________ Branch name: ___________________________ Background

1. Since when you are working with this Bank? 2. Can you brief about your background and past experience

CBS Implementation 3. What kind of awareness you had about need and benefits of Core Banking System (CBS)

before implementation of the same in your Bank? 4. How far your willingness and that of your colleagues, helped the Bank in adopting CBS? 5. What kind of training was provided to you in use of computers and CBS application? 6. How far it is easy to work with CBS application implemented by your Bank? 7. What measures you would like to suggest in making CBS more user friendly?

Post CBS implementation Support by IT Department 8. How many times you come across intermittent errors while using CBS? 9. What mechanism is in place to report issues relating to CBS? 10. What is the time taken to resolve the same? 11. How you are informed after resolving the errors?

Complementary products to CBS 12. How do you get access to routinely required information by you such as circulars, notices,

personal advances etc 13. Is there any system for reducing paper work and speeding-up approval procedures in your

Bank? Improvement in Performance

14. Customer Service Do you have “May I Help You” counter at your branch? How customers of Branch are informed about Time-norms for various services offered by the Bank? What are the timings of your branch? Is it Morning/Evening type or only Morning? Please rate improvement in following services to Customers in post CBS implementation period

360

Un-satisfactory Satisfactory Good Very

Good Excellent

Sr.No.

Description

1 Payment of Cash 2 Receipt of Cash 3 Issuing DD 4 Money transfer (MT/TT/EFT

etc)

5 Passbook updating 6 Issuing Statement of Account 7 Issuing Chequebook 8 Sanctioning of Loan 9 Intimation of maturity of Term

Deposits

10 Issue / Renewal of Term Deposit 11 Ability to provide information

required by Customers, when desired by them or proactively

12 13 14

15. Branch Operations

Un-satisfactory Satisfactory Good Very Good

Excellent

Sr.No.

Description

1 Appraisal of Loan proposals 2 Improved recovery 3 Increase in Accounts 4 Marketing of products 5 Reduction in operating expenses

and establishment expenses

6 Increase in Volume of business 7 Increase in non-interest income 8 Improved cash management 9 Quick availability of decision

making information

10 HO reporting 11 12 13

361

16. Back office operations

Un-satisfactory Satisfactory Good Very Good

Excellent

Sr.No.

Description

1 Balancing of books 2 Interest application 3 Charges application 4 Day begin 5 Day end 6 Back-up 7 Clearing 8 Customer grievances 9 10 11 CBS benefits perceived by Branch staff

17. How do you feel about the CBS implementation in your Bank? Would you like to share any other benefits you have got due to CBS implementation not covered above?

*****

362

Annexure III CBS Software vendor details (partial list) Sr.No. Name and Address Contact details Website 1 Infosys Limited

Building No. 31, Plot No. 44 Electronic City, Hosur Road Bangalore – 560 100 India

Mobile: +91 98452 19809 Telephone: +91 80 2852 1747

www.infosys.com

2 Infrasoft Technologies Limited Technosoft Knowledge Gateway Building, Ground Floor, B-14, Road No. 1, Wagle Industrial Estate, Thane(West) – 400 604 India

Telephone: +91-22-6649 2222 Fax: +91-22-6649 2223

www.infrasofttech.com

3 Datavision Software Solutions Uchil Heights, Jagdishnagar, RajBhavan Road, Aundh, Pune – 411 007 India

Telephone: +91-20-2569 0661 / 2/ 3 / 4 Fax: +91-20-2569 0684

www.datavsn.com

4 Temenos India Pvt. Ltd 304, Vinayak Chambers 4th Raod Khar (West) Mumbai 400052

Telephone: +91 22 260 54543

www.temeno.com

5 Nucleus Software Exports Ltd. A-39, Sector-62, Noida - 201307 Uttar Pradesh

Telephone: + 91-120-4031400 Fax: +91- 120- 4031672

www.nucleussoftware.com

6 Trust systems Plot No.11/4, IT Park, Gayatri Nagar, Nagpur - 440022 Maharashtra , India

www.trustbankcbs.com

7 Polaris FT Limited Polaris House, 244, Anna Salai Chennai - 600006. INDIA

Telephone: 91-44-39874000

www.polarisft.com

8 Tata Consultancy Services Unit 6, No. 78, 79 & 83 Whitefield, Bangalore - 560 066

Telephone: +91-80-6725 3000

www.tcs.com

9 Perfect Software Solutions (Clt) Pvt Ltd. 6/1240 C, Ist Floor, Mootolikandy Road, Near Red Cross Road, Calicut 673 032. Kerala, India.

www.perfectlimited.com

363

http://www.infosys.com/

http://www.infrasofttech.com/

http://www.datavsn.com/

10 ESDS Software Solution Pvt. Ltd. Plot No. B- 24 & 25, NICE Industrial Area, Satpur MIDC, Nashik 422 007.

Telephone: +91-253- 6636500

www.esds.co.in

11 LIST Software Pvt. Ltd. Rahul Complex. Opp. Tata Petrol Pump, Guest House, Vishrambag, Sangli - 416 415.

Telephone: +91-233- 2303221, 2304306, 2304857

www.listspl.co.in

12 C-Edge Technologies Ltd. Palm Center, Banyan Park, Suren Road, Andheri (E), Mumbai 400093, India.

Telephone: + 91-22- 67784236

www.cedge.in

13 Thinksoft Global Services Limited Type II, UNIT-5, Dr. Vikram Sarabhai Instronics Estate, Thiruvanmiyur, Chennai - 600 041.

Telephone: +91-44-4392 3200 Fax : +91 44 4392 3258

www.thinksoftglobal.com

14 HCL Technologies Limited Magarpatta City SEZ, Tower 7, Level Upper Ground, Wing A & B Magarpatta City, Village Hadapsar, Taluka Haveli District Pune Maharashtra India

Telephone: +91-20-30910001/2

www.hcltech.com

15 Oracle India Private Limited DLF Building No 8, Tower C Ground & 7th Floor DLF Cyber City, DLF Phase - II Gurgaon - 122002, Haryana

Telephone: +91-124-4328000 Fax: +91 124 4328101

www.oracle.com

364

Annexure IV

Awareness training to BOD, Senior Executives, Middle Mgmt and Staff

Committee formation (Core Committee and Implementation Committee)

Appointment of consultants (Technical and Functional)

System requirement specifications

Request for Information

Vendor briefing

Request for Proposal (RFP)

Vendor presentations

365

Place Purchase Order to the selected vendor

Arrange detailed product walk through

Gap analysis (what is available vs. required)

Business Process Reengineering, Implementation plan

During Vendor presentations Implementation committee / Bank team needs to ensure

a) Suitability b) User interface c) Parameterization d) Level of customization required e) Reporting requirements f) Product development tools g) Scalability h) Flexibility to adopt best practices i) Proven technology j) Compatibility with add on software k) Straight through processing l) Quality certifications such as ISO, CMM m) Similar installations

Based on presentations mentioned above, vendor ranking needs to be done. Vendors who score above 80% should be short listed for commercial negotiations. Management needs to finalize vendor for supply Core Banking Software, based on Vendor ranking and affordability of the cost.

366

BPR and implementation plan approval from Board

Finalize vendor for setting up physical infrastructure of Data Centre and Disaster Recovery Site and start

the work OR

Agreement for sharing of Data Centre and DRS

Data conversion for pilot branch, data cleansing, purification and validity check

Ensure successful installation by cross checking financial statements, important reports and then

replicate the same process at other branches

Migration audit

System integration, connect all branches to Centralized server

User acceptance test (UAT)

Request vendor to rectify issues raised in UAT and decide cut off date

Switch over to Core Banking Software

367

Annexure V

Table 5.1.9 (a) - Employee productivity performance (VSBL)

(Amount ` in Lakhs) Pre-CBS Parameter* 2003-04 2004-05 2005-06 2006-07 AVG S.D. C.V.%

E 209 209 207 227 213 9.38 4.40 D 25,983.75 27,708.04 32,418.67 37,989.19 31,024.91 5380.79 17.34 D/E 124.32 132.57 156.61 167.35 145.22 20.13 13.87 G% 6.64 18.13 6.86 10.54 CR 16,056.67 16,955.11 21,309.92 25,371.86 19,923.39 4296.14 21.56 CR/E 76.83 81.12 102.95 111.77 93.17 16.87 18.11 G% 5.60 26.90 8.57 13.69 BUS/E 201.15 213.70 259.56 279.12 238.38 36.99 15.52 G% 6.24 21.46 7.54 11.75 TEX 3,099.56 2,683.68 2,793.31 3,459.15 3,008.93 347.94 11.56 TEX/E 14.83 12.84 13.49 15.24 14.10 1.12 7.96 G% -13.42 5.09 12.93 1.53 TER 3,191.52 2,826.53 2,966.48 3,748.84 3,183.34 405.87 12.75 TER/E 15.27 13.52 14.33 16.51 14.91 1.29 8.62 G% -11.44 5.97 15.24 3.26 ESTB 306.72 295.29 332.23 420.30 338.64 56.59 16.71 ESTB/E 1.47 1.41 1.60 1.85 1.58 0.20 12.35 G% -3.73 13.60 15.36 8.41 SPR 267.61 675.52 936.54 1,353.30 808.24 455.87 56.40 SPR/E 1.28 3.23 4.52 5.96 3.75 1.99 53.02 G% 152.43 39.98 31.77 74.73 BRD -17.57 478.55 577.37 938.34 494.17 394.26 79.78 BRD/E -0.08 2.29 2.79 4.13 2.28 1.76 77.09 G% 21.82 48.20 35.01 NP 91.96 142.85 173.18 289.79 174.45 83.88 48.08 NP/E 0.44 0.68 0.84 1.28 0.81 0.35 43.48 G% 55.34 22.40 52.59 43.44

Source: Annual reports of the bank

* E: Employees, D: Deposits, CR: Credit, BUS: Business, TEX: Total Expenditure, TER: Total Earning, ESTB: Establishment Expenses, SPR: Spread, BRD: Burden, NP: Net Profit, G%: Y-o-Y Growth in %

368

Table 5.1.9 (b) - Employee productivity performance (VSBL)

(Amount ` in Lakhs) Post-CBS

Parameter* 2007-08 2008-09 2009-10 2010-11 AVG S.D. C.V.% Growth #

E 252 259 267 268 262 7.51 2.87 22.77 D 50,334.99 58,801.77 69,689.78 71,753.05 62,644.90 9981.52 15.93 D/E 199.74 227.03 261.01 267.74 238.88 31.59 13.23 64.50 G% 13.66 14.97 2.58 10.40 CR 33,340.33 38,571.19 38,550.24 42,776.42 38,309.55 3863.18 10.08 CR/E 132.30 148.92 144.38 159.61 146.31 11.31 7.73 57.04 G% 12.56 -3.05 10.55 6.69 BUS/E 332.04 375.96 405.39 427.35 385.19 41.21 10.70 61.58 G% 13.22 7.83 5.42 8.82 TEX 4,582.51 6,315.19 7,088.13 6,689.41 6,168.81 1103.62 17.89 TEX/E 18.18 24.38 26.55 24.96 23.52 3.67 15.61 66.79 G% 34.09 8.88 -5.98 12.33 TER 4,934.98 6,905.20 7,518.63 7,721.96 6,770.19 1271.78 18.78 TER/E 19.58 26.66 28.16 28.81 25.80 4.24 16.45 73.07 G% 36.14 5.62 2.32 14.69 ESTB 461.16 646.76 595.97 810.86 628.69 144.51 22.99 ESTB/E 1.83 2.50 2.23 3.03 2.40 0.50 20.92 51.25 G% 36.46 -10.61 35.55 20.46 SPR 1,814.75 2,246.31 1,607.85 2,876.15 2,136.27 560.40 26.23 SPR/E 7.20 8.67 6.02 10.73 8.16 2.03 24.89 117.54 G% 20.44 -30.57 78.21 22.69 BRD 1039.28 1656.30 1177.35 1408.60 1,320.38 270.86 20.51 BRD/E 4.12 6.39 4.41 5.26 5.05 1.02 20.21 121.12 G% 55.06 -31.05 19.20 14.40 NP 352.47 589.98 430.19 1,032.52 601.29 304.01 50.56 NP/E 1.40 2.28 1.61 3.85 2.29 1.11 48.58 182.40 G% 62.86 -29.27 139.12 57.57



# Growth is calculated using average performance during Pre-CBS and Post-CBS period in percentage form

369

Table 5.1.9 (c) - Employee productivity performance (VSBL)

Pre-CBS Post-CBS

AVG CAGR EGR AVG CAGR EGR EGR growth

E 213 2.09 2.75 262 1.55 2.05 -0.70 D/E 145.22 7.71 9.91 238.88 7.60 9.77 -0.14 CR/E 93.17 9.83 12.50 146.31 4.80 6.26 -6.24 BUS/E 238.38 8.53 10.92 385.19 6.51 8.41 -2.51 TEX/E 14.10 0.68 0.90 23.52 8.24 10.56 9.65 TER/E 14.91 1.98 2.61 25.80 10.14 12.87 10.26 ESTB/E 1.58 5.98 7.75 2.40 13.39 16.76 9.01 SPR/E 3.75 46.89 51.27 8.16 10.49 13.30 -37.97 BRD/E 2.28 21.76 29.54 5.05 6.25 8.08 -21.45 NP/E 0.81 30.51 35.51 2.29 28.83 33.77 -1.73



Table 5.1.10 – Summary of employee productivity (VSBL)

(Amount ` in Lakhs) Parameter Pre-CBS

Period Avg Post-CBS period Avg

% Growth

E 213 262 22.77 D 31,024.91 62,644.90 D/E 145.22 238.88 64.50 CR 19,923.39 38,309.55 CR/E 93.17 146.31 57.04 BUS/E 238.38 385.19 61.58 TEX 3,008.93 6,168.81 TEX/E 14.10 23.52 66.79 TER 3,183.34 6,770.19 TER/E 14.91 25.80 73.07 ESTB 338.64 628.69 ESTB/E 1.58 2.40 51.25 SPR 808.24 2,136.27 SPR/E 3.75 8.16 117.54 BRD 494.17 1320.38 BRD/E 2.28 5.05 121.12 NP 174.45 601.29 NP/E 0.81 2.29 182.40



370

Table 5.1.11 (a) - Branch productivity performance (VSBL)

(Amount ` in Lakhs) Pre-CBS Parameter* 2003-04 2004-05 2005-06 2006-07 AVG S.D. C.V.% BR 14 14 14 14 14 0 0.00 D 25983.75 27708.04 32418.67 37989.19 31024.91 5380.79 17.34 D/BR 1855.98 1979.15 2315.62 2713.51 2216.07 384.34 17.34 G% 6.64 17.00 17.18 13.61 CR 16056.67 16955.11 21309.92 25371.86 19923.39 4296.14 21.56 CR/BR 1146.91 1211.08 1522.14 1812.28 1423.10 306.87 21.56 G% 5.60 25.68 19.06 16.78 BUS/BR 3002.89 3190.23 3837.76 4525.79 3639.16 690.88 18.98 G% 6.24 20.30 17.93 14.82 TEX 3048.67 2653.35 2676.70 3396.47 2943.80 351.95 11.96 TEX/BR 217.76 189.53 191.19 242.61 210.27 25.14 11.96 G% -12.97 0.88 26.89 4.93 TER 3191.52 2826.53 2966.48 3748.84 3183.34 405.87 12.75 TER/BR 227.97 201.90 211.89 267.77 227.38 28.99 12.75 G% -11.44 4.95 26.37 6.63 ESTB 306.72 295.29 332.23 420.30 338.64 56.59 16.71 ESTB/BR 21.91 21.09 23.73 30.02 24.19 4.04 16.71 G% -3.73 12.51 26.51 11.76 NP 91.96 142.85 173.18 289.79 174.45 83.88 48.08 NP/B 6.57 10.20 12.37 20.70 12.46 5.99 48.08 G% 55.34 21.23 67.33 47.97


* BR: Branches, D: Deposits, CR: Credit, BUS: Business, TEX: Total Expenditure, TER: Total Earning, ESTB: Establishment Expenses, SPR: Spread, NP: Net Profit, G%: Y-o-Y Growth in %

371

Table 5.1.11 (b) - Branch productivity performance (VSBL) (Amount ` in Lakhs)

Post-CBS Parameter* 2007-08 2008-09 2009-10 2010-11 AVG S.D. C.V.% Growth# BR 14 15 16 16 15 0.96 6.28 8.93 D 50334.99 58801.77 69689.78 71753.05 62644.90 9981.52 15.93 D/BR 3595.36 3920.12 4355.61 4484.57 4088.91 408.15 9.98 84.51 G% 9.03 11.11 2.96 7.70 CR 33340.33 38571.19 38550.24 42776.42 38309.55 3863.18 10.08 CR/BR 2381.45 2571.41 2409.39 2673.53 2508.95 138.03 5.50 76.30 G% 7.98 -6.30 10.96 4.21 BUS/BR 5976.81 6491.53 6765.00 7158.09 6597.86 496.25 7.52 81.30 G% 8.61 4.21 5.81 6.21 TEX 4582.51 6315.19 7088.13 6689.41 6168.81 1103.62 17.89 TEX/BR 327.32 421.01 443.01 418.09 402.36 51.25 12.74 91.35 G% 28.62 5.22 -5.63 9.41 TER 4934.98 6905.20 7518.63 7721.96 6770.19 1271.78 18.78 TER/BR 352.50 460.35 469.91 482.62 441.35 59.93 13.58 94.10 G% 30.60 2.08 2.70 11.79 ESTB 461.16 646.76 595.97 810.86 628.69 144.51 22.99 ESTB/BR 32.94 43.12 37.25 50.68 41.00 7.69 18.75 69.49 G% 30.90 -13.61 36.06 17.78 NP 352.47 589.98 430.19 1032.52 601.29 304.01 50.56 NP/B 25.18 39.33 26.89 64.53 38.98 18.16 46.60 212.85 G% 56.23 -31.64 140.01 54.87




Table 5.1.11 (c) - Branch productivity performance (VSBL) Pre-CBS Post-CBS


BR 14 0.00 0.00 15 3.39 4.45 4.45 D/BR 2216.07 9.96 12.66 4088.91 5.68 7.37 -5.29 CR/BR 1423.10 12.12 15.25 2508.95 2.93 3.86 -11.39 BUS/BR 3639.16 10.80 13.67 6597.86 4.61 6.01 -7.66 TEX/BR 210.27 2.74 3.60 402.36 6.31 8.16 4.56 TER/BR 227.38 4.11 5.36 441.35 8.17 10.47 5.11 ESTB/BR 24.19 8.19 10.50 41.00 11.37 14.36 3.86 NP/B 12.46 33.24 38.26 38.98 26.53 31.38 -6.88



372

Table 5.1.12 – Summary of branch productivity (VSBL)



Parameter Pre-CBS Period

Avg

Post-CBS period

Avg

% Growth

BR 14 15 8.93 D 31024.91 62644.90 D/BR 2216.07 4088.91 84.51 CR 19923.39 38309.55 CR/BR 1423.10 2508.95 76.30 BUS/BR 3639.16 6597.86 81.30 TEX 2943.80 6168.81 TEX/BR 210.27 402.36 91.35 TER 3183.34 6770.19 TER/BR 227.38 441.35 94.10 ESTB 338.64 628.69 ESTB/BR 24.19 41.00 69.49 NP 174.45 601.29 NP/B 12.46 38.98 212.85

373

Table 5.1.13 (a) - Profitability performance (VSBL)

(Amount ` in Lakhs) Pre-CBS Parameter* 2003-04 2004-05 2005-06 2006-07 AVG

WF 28,752.26 30,415.46 36,016.46 42,703.97 34,472.04 IE 2,570.82 2,689.89 2,837.61 3,569.91 2,917.06 IE/WF 8.94 8.84 7.88 8.36 8.51 IP 2,303.21 2,014.37 1,901.07 2,216.61 2,108.82 IP/WF 8.01 6.62 5.28 5.19 6.28 SPR 267.61 675.52 936.54 1,353.30 808.24 SPR/WF 0.93 2.22 2.60 3.17 2.23 NIE 603.13 615.19 706.24 1,117.27 760.46 NIE/WF 2.10 2.02 1.96 2.62 2.17 NII 620.70 136.64 128.87 178.93 266.29 NII/WF 2.16 0.45 0.36 0.42 0.85 BRD -17.57 478.55 577.37 938.34 494.17 BRD/WF -0.06 1.57 1.60 2.20 1.33 NP 91.96 142.85 173.18 289.79 174.45 TI 3,191.52 2,826.53 2,966.48 3,748.84 3,183.34 TD 25,983.75 27,708.04 32,418.67 37,989.19 31,024.91 NP/TI 2.88 5.05 5.84 7.73 5.38 NP/TD 0.35 0.52 0.53 0.76 0.54 NP/WF 0.32 0.47 0.48 0.68 0.49


* WF: Working fund, IE: Interest Earned, IP: Interest Paid, SPR: Spread, NIE: Non Interest Expenditure, NII: Non Interest Income, BRD: Burden, NP: Net Profit, TI: Total Income, TD: Total Deposit

374

Table 5.1.13 (b) - Profitability performance (VSBL) (Amount ` in Lakhs)

Post-CBS Parameter 2007-08 2008-09 2009-10 2010-11 AVG Growth #

WF 55,947.82 65,978.42 78,411.81 81,046.45 70,346.13 IE 4,672.44 6,289.21 6,888.82 7,476.63 6,331.78 IE/WF 8.35 9.53 8.79 9.23 8.97 0.47 IP 2,857.69 4,042.90 5,280.97 4,600.48 4,195.51 IP/WF 5.11 6.13 6.73 5.68 5.91 -0.36 SPR 1,814.75 2,246.31 1,607.85 2,876.15 2,136.27 SPR/WF 3.24 3.40 2.05 3.55 3.06 0.83 NIE 1,301.82 2,272.29 1,807.16 1,653.93 1,758.80 NIE/WF 2.33 3.44 2.30 2.04 2.53 0.35 NII 262.54 615.99 629.81 245.33 438.42 NII/WF 0.47 0.93 0.80 0.30 0.63 -0.22 BRD 1,039.28 1,656.30 1,177.35 1,408.60 1,320.38 BRD/WF 1.86 2.51 1.50 1.74 1.90 0.57 NP 352.47 589.98 430.19 1,032.52 601.29 TI 4,934.98 6,905.20 7,518.63 7,721.96 6,770.19 TD 50,334.99 58,801.77 69,689.78 71,753.05 62,644.90 NP/TI 7.14 8.54 5.72 13.37 8.69 3.32 NP/TD 0.70 1.00 0.62 1.44 0.94 0.40 NP/WF 0.63 0.89 0.55 1.27 0.84 0.35

Source: Annual reports of the bank * WF: Working fund, IE: Interest Earned, IP: Interest Paid, SPR: Spread, NIE: Non Interest Expenditure, NII: Non Interest Income, BRD: Burden, NP: Net Profit, TI: Total Income, TD: Total Deposit


375

Table 5.2.9 (a) - Employee productivity performance (MSBL) (Amount ` in Lakhs)

Pre-CBS Parameter* 2004-05 2005-06 2006-07 2007-08 Average S.D. C.V.% E 239 235 230 221 231 7.76 3.36 D 25195.69 29804.03 34209.04 35731.20 31234.99 4746.29 15.20 D/E 105.42 126.83 148.73 161.68 135.67 24.77 18.26 G% 20.30 17.28 8.70 15.43 CR 16153.17 18477.69 21550.58 22455.60 19659.26 2891.68 14.71 CR/E 67.59 78.63 93.70 101.61 85.38 15.22 17.82 G% 16.34 19.17 8.44 14.65 BUS/E 173.01 205.45 242.43 263.29 221.05 39.97 18.08 G% 18.75 18.00 8.60 15.12 TEX 2511.57 2851.49 3189.22 3865.85 3104.53 578.05 18.62 TEX/E 10.51 12.13 13.87 17.49 13.50 2.99 22.18 G% 15.47 14.28 26.15 18.63 TER 2580.38 2973.74 3340.80 4040.83 3233.94 621.11 19.21 TER/E 10.80 12.65 14.53 18.28 14.07 3.20 22.74 G% 17.21 14.79 25.88 19.29 ESTB 475.32 463.38 567.14 567.97 518.45 56.91 10.98 ESTB/E 1.99 1.97 2.47 2.57 2.25 0.31 13.93 G% -0.85 25.05 4.22 9.47 SPR 951.09 1029.48 1190.02 1390.76 1140.34 194.32 17.04 SPR/E 3.98 4.38 5.17 6.29 4.96 1.02 20.57 G% 10.08 18.11 21.63 16.61 BRD 620.67 425.77 693.08 854.99 648.63 177.96 27.44 BRD/E 2.60 1.81 3.01 3.87 2.82 0.86 30.36 G% -30.23 66.32 28.38 21.49 NP 68.76 122.21 151.55 174.94 129.37 45.80 35.41 NP/E 0.29 0.52 0.66 0.79 0.56 0.22 38.14 G% 80.76 26.70 20.13 42.53



376

Table 5.2.9 (b) - Employee productivity performance (MSBL)

(Amount ` in Lakhs) Post-CBS Parameter* 2008-09 2009-10 2010-11 Average S.D. C.V.% Growth# E 220 213 208 214 6.03 2.82 -7.60 D 35173.85 48076.15 41931.58 41727.19 6453.58 15.47 D/E 159.88 225.71 201.59 195.73 33.30 17.02 44.27 G% 41.17 -10.68 15.24 CR 22436.76 27008.06 25978.32 25141.05 2397.91 9.54 CR/E 101.99 126.80 124.90 117.89 13.81 11.71 38.08 G% 24.33 -1.50 11.41 BUS/E 261.87 352.51 326.49 313.62 46.67 14.88 41.88 G% 34.61 -7.38 13.62 TEX 3960.93 5175.77 4705.28 4613.99 612.54 13.28 TEX/E 18.00 24.30 22.62 21.64 3.26 15.06 60.30 G% 34.96 -6.90 14.03 TER 4279.64 5184.66 5095.49 4853.26 498.77 10.28 TER/E 19.45 24.34 24.50 22.76 2.87 12.60 61.85 G% 25.13 0.64 12.89 ESTB 625.02 819.47 924.75 789.75 152.06 19.25 ESTB/E 2.84 3.85 4.45 3.71 0.81 21.85 65.02 G% 35.42 15.56 25.49 SPR 1527.28 1453.82 2210.64 1730.58 417.36 24.12 SPR/E 6.94 6.83 10.63 8.13 2.16 26.59 64.06 G% -1.68 55.71 27.02 BRD 1012.34 1444.93 1820.43 1425.90 404.38 28.36 BRD/E 4.60 6.78 8.75 6.71 2.08 30.93 137.80 G% 47.42 29.02 38.22

NP 318.68 8.90 390.23 239.27 202.69 84.71 NP/E 1.45 0.04 1.88 1.12 0.96 85.53 98.76 G% -97.12 4390.01 2146.45




377

Table 5.2.9 (c) - Employee productivity performance (MSBL)

Pre-CBS Post-CBS

Average CAGR EGR Average CAGR EGR EGR growth

E 231 -1.94 -2.61 214 -1.85 -2.80 -0.19 D/E 135.67 11.28 14.26 195.73 8.03 11.59 -2.66 CR/E 85.38 10.73 13.59 117.89 6.99 10.13 -3.46 BUS/E 221.05 11.07 14.00 313.62 7.63 11.03 -2.97 TEX/E 13.50 13.59 16.99 21.64 7.91 11.41 -5.57 TER/E 14.07 14.08 17.56 22.76 7.99 11.53 -6.03 ESTB/E 2.25 6.62 8.55 3.71 16.10 22.39 13.85 SPR/E 4.96 12.14 15.28 8.13 15.25 21.29 6.02 BRD/E 2.82 10.48 13.29 6.71 23.90 32.14 18.86 NP/E 0.56 28.79 33.74 1.12 9.00 12.93 -20.81



Table 5.2.10 – Summary of employee productivity (MSBL)


Period Avg

Post-CBS period Avg

% Growth

E 231 214 -7.60 D 31234.99 41727.19 D/E 135.67 195.73 44.27 CR 19659.26 25141.05 CR/E 85.38 117.89 38.08 BUS/E 221.05 313.62 41.88 TEX 3104.53 4613.99 TEX/E 13.50 21.64 60.30 TER 3233.94 4853.26 TER/E 14.07 22.76 61.85 ESTB 518.45 789.75 ESTB/E 2.25 3.71 65.02 SPR 1140.34 1730.58 SPR/E 4.96 8.13 64.06 BRD 648.63 1425.90 BRD/E 2.82 6.71 137.80 NP 129.37 239.27 NP/E 0.56 1.12 98.76


* E: Employees, D: Deposits, CR: Credit, BUS: Business, TEX: Total Expenditure, TER: Total Earning, ESTB: Establishment Expenses, SPR: Spread, BRD: Burden, NP: Net Profit, G%:Y-o-Y Growth in %

378

Table 5.2.11 (a) - Branch productivity performance (MSBL)

(Amount ` in Lakhs) Pre-CBS

Parameter* 2004-05 2005-06 2006-07 2007-08 Average S.D. C.V.% BR 11 11 11 11 11.00 0.00 0.00 D 25195.69 29804.03 34209.04 35731.20 31234.99 4746.29 15.20 D/BR 2290.52 2709.46 3109.91 3248.29 2839.54 431.48 15.20 18.29 14.78 4.45 12.51 CR 16153.17 18477.69 21550.58 22455.60 19659.26 2891.68 14.71 CR/BR 1468.47 1679.79 1959.14 2041.42 1787.21 262.88 14.71 14.39 16.63 4.20 11.74 BUS/BR 3758.99 4389.25 5069.06 5289.71 4626.75 693.92 15.00 16.77 15.49 4.35 12.20 TEX 2511.57 2851.49 3189.22 3865.85 3104.53 578.05 18.62 TEX/BR 228.32 259.23 289.93 351.44 282.23 52.55 18.62 13.53 11.84 21.22 15.53 TER 2580.38 2973.74 3340.80 4040.83 3233.94 621.11 19.21 TER/BR 234.58 270.34 303.71 367.35 293.99 56.46 19.21 15.24 12.34 20.95 16.18 ESTB 475.32 463.38 567.14 567.97 518.45 56.91 10.98 ESTB/BR 43.21 42.13 51.56 51.63 47.13 5.17 10.98 -2.51 22.39 0.15 6.68 NP 68.76 122.21 151.55 174.94 129.37 45.80 35.41 NP/BR 6.25 11.11 13.78 15.90 11.76 4.16 35.41 77.73 24.01 15.43 39.06


* BR: Branches, D: Deposits, CR: Credit, BUS: Business, TEX: Total Expenditure, TER: Total Earning, ESTB: Establishment Expenses, NP: Net Profit

379

Table 5.2.11 (b) - Branch productivity performance (MSBL)

(Amount ` in Lakhs) Post-CBS

Parameter* 2008-09 2009-10 2010-11 Average S.D. C.V.% Growth# BR 11 11 11 11.00 0.00 0.00 0.00 D 35173.85 48076.15 41931.58 41727.19 6453.58 15.47 D/BR 3197.62 4370.56 3811.96 3793.38 586.69 15.47 33.59 36.68 -12.78 11.95 CR 22436.76 27008.06 25978.32 25141.05 2397.91 9.54 CR/BR 2039.71 2455.28 2361.67 2285.55 217.99 9.54 27.88 20.37 -3.81 8.28 BUS/BR 5237.33 6825.84 6173.63 6078.93 798.48 13.14 31.39 30.33 -9.56 10.39 TEX 3960.93 5175.77 4705.28 4613.99 612.54 13.28 TEX/BR 360.08 470.52 427.75 419.45 55.69 13.28 48.62 30.67 -9.09 10.79 TER 4279.64 5184.66 5095.49 4853.26 498.77 10.28 TER/BR 389.06 471.33 463.23 441.21 45.34 10.28 50.07 21.15 -1.72 9.71 ESTB 625.02 819.47 924.75 789.75 152.06 19.25 ESTB/BR 56.82 74.50 84.07 71.80 13.82 19.25 52.33 31.11 12.85 21.98 NP 318.68 8.90 390.23 239.27 202.69 84.71 NP/BR 28.97 0.81 35.48 21.75 18.43 84.71 84.96 -97.21 4284.61 2093.70




380

Table 5.2.11 (c) - Branch productivity performance (MSBL)

Pre-CBS Post-CBS Average CAGR EGR Average CAGR EGR EGR

growth BR 11.00 0.00 0.00 11.00 0.00 0.00 0.00 D/BR 2839.54 9.13 11.65 3793.38 4.49 5.86 -5.79 CR/BR 1787.21 8.58 10.98 2285.55 3.73 4.89 -6.10 BUS/BR 4626.75 8.92 11.39 6078.93 4.20 5.48 -5.90 TEX/BR 282.23 11.38 14.38 419.45 4.40 5.74 -8.64 TER/BR 293.99 11.87 14.95 441.21 4.46 5.82 -9.13 ESTB/BR 47.13 4.55 5.94 71.80 10.29 13.06 7.12 NP/BR 11.76 26.30 31.13 21.75 5.19 6.75 -24.38



Table 5.2.12 – Summary of branch productivity (MSBL) (Amount ` in Lakhs)

Parameter Pre-CBS Period Avg

Post-CBS period Avg

% Growth

BR 11.00 11.00 0.00 D 31234.99 41727.19 D/BR 2839.54 3793.38 33.59 CR 19659.26 25141.05 CR/BR 1787.21 2285.55 27.88 BUS/BR 4626.75 6078.93 31.39 TEX 3104.53 4613.99 TEX/BR 282.23 419.45 48.62 TER 3233.94 4853.26 TER/BR 293.99 441.21 50.07 ESTB 518.45 789.75 ESTB/BR 47.13 71.80 52.33 NP 129.37 239.27 NP/BR 11.76 21.75 84.96



381

Table 5.2.13 (a) - Profitability performance (MSBL)

(Amount ` in Lakhs) Pre-CBS Parameter* 2004-05 2005-06 2006-07 2007-08 AVG WF 29761.86 35209.76 41015.23 42125.56 37028.10 IE 2466.71 2694.55 3112.98 3651.25 2981.37 IE/WF 8.29 7.65 7.59 8.67 8.05 IP 1515.62 1665.07 1922.96 2260.49 1841.04 IP/WF 5.09 4.73 4.69 5.37 4.97 SPR 951.09 1029.48 1190.02 1390.76 1140.34 SPR/WF 3.20 2.92 2.90 3.30 3.08 NIE 734.34 704.96 920.90 1244.57 901.19 NIE/WF 2.47 2.00 2.25 2.95 2.42 NII 113.67 279.19 227.82 389.58 252.57 NII/WF 0.38 0.79 0.56 0.92 0.66 BRD 620.67 425.77 693.08 854.99 648.63 BRD/WF 2.09 1.21 1.69 2.03 1.75 NP 68.76 122.21 151.55 174.94 129.37 TI 2580.38 2973.74 3340.80 4040.83 3233.94 TD 25195.69 29804.03 34209.04 35731.20 31234.99 NP/TI 2.66 4.11 4.54 4.33 3.91 NP/TD 0.27 0.41 0.44 0.49 0.40 NP/WF 0.23 0.35 0.37 0.42 0.34


382

Table 5.2.13 (b) - Profitability performance (MSBL)

(Amount ` in Lakhs) Post-CBS Parameter 2008-09 2009-10 2010-11 AVG Growth # WF 41849.11 55237.04 49640.07 48908.74 IE 3871.38 4466.13 4857.20 4398.24 IE/WF 9.25 8.09 9.78 9.04 0.99 IP 2344.10 3012.31 2646.56 2667.66 IP/WF 5.60 5.45 5.33 5.46 0.49 SPR 1527.28 1453.82 2210.64 1730.58 SPR/WF 3.65 2.63 4.45 3.58 0.50 NIE 1420.60 2163.46 2058.72 1880.93 NIE/WF 3.39 3.92 4.15 3.82 1.40 NII 408.26 718.53 238.29 455.03 NII/WF 0.98 1.30 0.48 0.92 0.26 BRD 1012.34 1444.93 1820.43 1425.90 BRD/WF 2.42 2.62 3.67 2.90 1.15 NP 318.68 8.90 390.23 239.27 TI 4279.64 5184.66 5095.49 4853.26 TD 35173.85 48076.15 41931.58 41727.19 NP/TI 7.45 0.17 7.66 5.09 1.18 NP/TD 0.91 0.02 0.93 0.62 0.21 NP/WF 0.76 0.02 0.79 0.52 0.18




383

Table 5.3.9 (a) - Employee productivity performance (SVCBL)

(Amount ` in Lakhs) Pre-CBS Parameter* 2002-03 2003-04 2004-05 2005-06 AVG S.D. C.V.% E 167 160 158 151 159 6.58 4.14 D 15026.75 16305.39 17292.48 18410.60 16758.81 1439.77 8.59 D/E 89.98 101.91 109.45 121.92 105.81 13.40 12.66 G% 13.26 7.40 11.40 10.68 CR 9142.13 9873.83 9748.62 11456.60 10055.30 987.34 9.82 CR/E 54.74 61.71 61.70 75.87 63.51 8.87 13.97 G% 12.73 -0.02 22.97 11.89 BUS/E 144.72 163.62 171.15 197.80 169.32 22.00 12.99 G% 13.06 4.60 15.57 11.08 TEX 1909.24 1857.02 1949.88 1823.18 1884.83 55.98 2.97 TEX/E 11.43 11.61 12.34 12.07 11.86 0.42 3.52 G% 1.52 6.33 -2.16 1.90 TER 2398.97 2457.30 2216.24 2233.07 2326.40 120.07 5.16 TER/E 14.37 15.36 14.03 14.79 14.63 0.57 3.92 G% 6.91 -8.67 5.43 1.22 ESTB 278.98 292.61 299.64 292.45 290.92 8.64 2.97 ESTB/E 1.67 1.83 1.90 1.94 1.83 0.12 6.39 G% 9.47 3.70 2.12 5.10 SPR 829.92 774.56 617.67 839.49 765.41 102.57 13.40 SPR/E 4.97 4.84 3.91 5.56 4.82 0.68 14.17 G% -2.59 -19.25 42.21 6.79 BRD 255.86 138.69 351.31 429.60 293.87 125.50 42.71 BRD/E 1.53 0.87 2.22 2.85 1.87 0.86 45.83 G% -43.42 156.51 27.95 47.01 NP 489.68 600.23 266.36 409.86 441.53 140.47 31.81 NP/E 2.93 3.75 1.69 2.71 2.77 0.85 30.68 G% 27.94 -55.06 61.01 11.29



384

Table 5.3.9 (b) - Employee productivity performance (SVCBL) (Amount ` in Lakhs)

Post-CBS Parameter* 2006-07 2007-08 2008-09 2009-10 AVG S.D. C.V.% Growth# E 157 155 147 149 152.00 4.76 3.13 -4.40 D 18652.99 21665.14 23675.13 31707.86 23925.28 5583.80 23.34 42.76 D/E 118.81 139.78 161.06 212.80 158.11 40.34 25.51 49.42 G% 17.65 15.22 32.13 CR 12941.49 15150.40 16872.06 21152.84 16529.20 3476.99 21.04 64.38 CR/E 82.43 97.74 114.78 141.97 109.23 25.51 23.36 72.00 G% 18.58 17.42 23.69 BUS/E 201.24 237.52 275.83 354.77 267.34 65.76 24.60 57.89 G% 18.03 16.13 28.62 TEX 2033.74 2143.14 2454.81 2845.31 2369.25 364.07 15.37 25.70 TEX/E 12.95 13.83 16.70 19.10 15.64 2.80 17.92 31.87 G% 6.74 20.78 14.35 TER 2326.09 2727.69 3358.18 3815.67 3056.91 660.55 21.61 31.40 TER/E 14.82 17.60 22.84 25.61 20.22 4.90 24.23 38.14 G% 18.78 29.81 12.10 ESTB 357.67 396.75 389.65 432.82 394.22 30.84 7.82 35.51 ESTB/E 2.28 2.56 2.65 2.90 2.60 0.26 9.95 41.74 G% 12.36 3.56 9.59 SPR 1137.48 1498.05 1740.68 1774.34 1537.64 293.80 19.11 100.89 SPR/E 7.25 9.66 11.84 11.91 10.16 2.21 21.72 110.90 G% 33.40 22.52 0.57 BRD 614.47 557.27 447.31 407.04 506.52 95.97 18.95 72.37 BRD/E 3.91 3.60 3.04 2.73 3.32 0.53 16.04 77.89 G% -8.14 -15.36 -10.22 NP 292.30 584.49 903.36 970.36 687.63 312.73 45.48 55.74 NP/E 1.86 3.77 6.15 6.51 4.57 2.18 47.63 65.02 G% 102.54 62.97 5.97




385

Table 5.3.9 (c) - Employee productivity performance (SVCBL)

Pre-CBS Post-CBS Parameter* AVG CAGR EGR AVG CAGR EGR EGR

growth E 159 -2.49 -3.36 152.00 -1.30 -1.74 1.61 D/E 105.81 7.89 10.13 158.11 15.69 19.43 9.30 CR/E 63.51 8.50 10.88 109.23 14.56 18.12 7.24 BUS/E 169.32 8.12 10.41 267.34 15.23 18.90 8.49 TEX/E 11.86 1.37 1.82 15.64 10.19 12.94 11.12 TER/E 14.63 0.73 0.97 20.22 14.66 18.24 17.27 ESTB/E 1.83 3.77 4.93 2.60 6.26 8.10 3.17 SPR/E 4.82 2.84 3.74 10.16 13.23 16.56 12.82 BRD/E 1.87 16.73 20.63 3.32 -8.60 -11.98 -32.62 NP/E 2.77 -1.91 -2.57 4.57 36.76 41.74 44.31



Table 5.3.10 – Summary of employee productivity (SVCBL)

(Amount ` in Lakhs) Parameter* Pre-CBS

Period Avg Post-CBS period Avg

% Growth

E 159 152 -4.40 D 16758.81 23925.38 42.76 D/E 105.81 158.11 49.42 CR 10055.30 16529.20 64.38 CR/E 63.51 109.23 72.00 BUS/E 169.32 267.34 57.89 TEX 1884.83 2369.25 25.70 TEX/E 11.86 15.64 31.87 TER 2326.40 3056.91 31.40 TER/E 14.63 20.22 38.14 ESTB 290.92 394.22 35.51 ESTB/E 1.83 2.60 41.74 SPR 765.41 1537.64 100.89 SPR/E 4.82 10.16 110.90 BRD 293.87 506.52 72.37 BRD/E 1.87 3.32 77.89 NP 441.53 687.63 55.74 NP/E 2.77 4.57 65.02


• E: Employees, D: Deposits, CR: Credit, BUS: Business, TEX: Total Expenditure, TER: Total Earning, ESTB: Establishment Expenses, SPR: Spread, BRD: Burden, NP: Net Profit, G%: Y-o-Y Growth in %

386

Table 5.3.11 (a) - Branch productivity performance (SVCBL) (Amount ` in Lakhs)

Pre-CBS Parameter* 2002-03 2003-04 2004-05 2005-06 AVG S.D. C.V.% BR 11 11 11 11 11 0 0 D 15026.75 16305.39 17292.48 18410.60 16758.81 1439.77 8.59 D/BR 1366.07 1482.31 1572.04 1673.69 1523.53 130.89 8.59 G% 8.51 6.05 6.47 7.01 CR 9142.13 9873.83 9748.62 11456.60 10055.30 987.34 9.82 CR/BR 831.10 897.62 886.24 1041.51 914.12 89.76 9.82 G% 8.00 -1.27 17.52 8.09 BUS/BR 2197.17 2379.93 2458.28 2715.20 2437.65 214.96 8.82 G% 8.32 3.29 10.45 7.35 TEX 1909.24 1857.02 1949.88 1823.18 1884.83 55.98 2.97 TEX/BR 173.57 168.82 177.26 165.74 171.35 5.09 2.97 G% -2.74 5.00 -6.50 -1.41 TER 2398.97 2457.30 2216.24 2233.07 2326.40 120.07 5.16 TER/BR 218.09 223.39 201.48 203.01 211.49 10.92 5.16 G% 2.43 -9.81 0.76 -2.21 ESTB 278.98 292.61 299.64 292.45 290.92 8.64 2.97 ESTB/BR 25.36 26.60 27.24 26.59 26.45 0.79 2.97 G% 4.89 2.40 -2.40 1.63 NP 489.68 600.23 266.36 409.86 441.53 140.47 31.81 NP/B 44.52 54.57 24.21 37.26 40.14 12.77 31.81 G% 22.58 -55.62 53.87 6.94



387

Table 5.3.11 (b) - Branch productivity performance (SVCBL)

(Amount ` in Lakhs) Post-CBS Parameter* 2006-07 2007-08 2008-09 2009-10 AVG S.D. C.V.% %Growth BR 11 11 11 12 11 0.50 4.44 2.27 D 18652.99 21665.14 23675.13 31707.86 23925.28 5583.80 23.34 42.76 D/BR 1695.73 1969.56 2152.28 2642.32 2114.97 398.50 18.84 38.82 G% 16.15 9.28 22.77 CR 12941.49 15150.40 16872.06 21152.84 16529.20 3476.99 21.04 64.38 CR/BR 1176.50 1377.31 1533.82 1762.74 1462.59 247.85 16.95 60.00 G% 17.07 11.36 14.92 BUS/BR 2872.23 3346.87 3686.11 4405.06 3577.56 644.79 18.02 46.76 G% 16.53 10.14 19.50 TEX 2033.74 2143.14 2454.81 2845.31 2369.25 364.07 15.37 25.70 TEX/BR 184.89 194.83 223.16 237.11 210.00 24.28 11.56 22.56 G% 5.38 14.54 6.25 TER 2326.09 2727.69 3358.18 3815.67 3056.91 660.55 21.61 31.40 TER/BR 211.46 247.97 305.29 317.97 270.67 49.86 18.42 27.98 G% 17.27 23.11 4.15 ESTB 357.67 396.75 389.65 432.82 394.22 30.84 7.82 35.51 ESTB/BR 32.52 36.07 35.42 36.07 35.02 1.70 4.84 32.41 G% 10.93 -1.79 1.82 NP 292.30 584.49 903.36 970.36 687.63 312.73 45.48 55.74 NP/B 26.57 53.14 82.12 80.86 60.67 26.38 43.48 51.16 G% 99.96 54.56 -1.53




388

Table 5.3.11 (c) - Branch productivity performance (SVCBL)


growth BR 11 0.00 0.00 11 2.20 2.90 2.90 D/BR 1523.53 5.21 6.77 2114.97 11.73 14.78 8.02 CR/BR 914.12 5.80 7.52 1462.59 10.64 13.48 5.96 BUS/BR 2437.65 5.43 7.06 3577.56 11.28 14.26 7.20 TEX/BR 171.35 -1.15 -1.54 210.00 6.42 8.29 9.83 TER/BR 211.49 -1.78 -2.39 270.67 10.74 13.60 15.99 ESTB/BR 26.45 1.19 1.57 35.02 2.63 3.46 1.88 NP/B 40.14 -4.35 -5.93 60.67 32.08 37.10 43.03



Table 5.3.12 – Summary of branch productivity (SVCBL)


Period Avg

Post-CBS

period Avg

% Growth

BR 11 11 2.27 D 16758.81 23925.28 42.76 D/BR 1523.53 2114.97 38.82 CR 10055.30 16529.20 64.38 CR/BR 914.12 1462.59 60.00 BUS/BR 2437.65 3577.56 46.76 TEX 1884.83 2369.25 25.70 TEX/BR 171.35 210.00 22.56 TER 2326.40 3056.91 31.40 TER/BR 211.49 270.67 27.98 ESTB 290.92 394.22 35.51 ESTB/BR 26.45 35.02 32.41 NP 441.53 687.63 55.74 NP/B 40.14 60.67 51.16



# Growth is calculated using average performance during Pre-CBS and Post-CBS period in

389

Table 5.3.13 (a) - Profitability performance (SVCBL)

(Amount ` in Lakhs)

Pre-CBS Parameter* 2002-03 2003-04 2004-05 2005-06 AVG WF 18049.91 20494.12 21929.21 24740.90 21303.54 IE 2201.68 2126.37 2047.18 2088.7 2115.98 IE/WF 12.20 10.38 9.34 8.44 10.09 IP 1371.76 1351.81 1429.51 1249.21 1350.57 IP/WF 7.60 6.60 6.52 5.05 6.44 SPR 829.92 774.56 617.67 839.49 765.41 SPR/WF 4.60 3.78 2.82 3.39 3.65 NIE 453.15 469.62 520.37 573.97 504.28 NIE/WF 2.51 2.29 2.37 2.32 2.37 NII 197.29 330.93 169.06 144.37 210.41 NII/WF 1.09 1.61 0.77 0.58 1.02 BRD 255.86 138.69 351.31 429.60 293.87 BRD/WF 1.42 0.68 1.60 1.74 1.36 NP 489.68 600.23 266.36 409.86 441.53 TI 2398.97 2457.30 2216.24 2233.07 2326.40 TD 15026.75 16305.39 17292.48 18410.60 16758.81 NP/TI 20.41 24.43 12.02 18.35 18.80 NP/TD 3.26 3.68 1.54 2.23 2.68 NP/WF 2.71 2.93 1.21 1.66 2.13



390

Table 5.3.13 (b) - Profitability performance (SVCBL)

(Amount ` in Lakhs) Post-CBS Parameter 2006-07 2007-08 2008-09 2009-10 AVG Growth WF 24867.74 28898.60 30884.29 40614.21 31316.21 IE 2157.57 2521.50 3071.13 3448.90 2799.78 IE/WF 8.68 8.73 9.94 8.49 8.96 -1.13 IP 1020.09 1023.45 1330.45 1674.56 1262.14 IP/WF 4.10 3.54 4.31 4.12 4.02 -2.42 SPR 1137.48 1498.05 1740.68 1774.34 1537.64 SPR/WF 4.57 5.18 5.64 4.37 4.94 1.29 NIE 782.99 763.46 734.36 773.81 763.66 NIE/WF 3.15 2.64 2.38 1.91 2.52 0.14 NII 168.52 206.19 287.05 366.77 257.13 NII/WF 0.68 0.71 0.93 0.90 0.81 -0.21 BRD 614.47 557.27 447.31 407.04 506.52 BRD/WF 2.47 1.93 1.45 1.00 1.71 0.35 NP 292.30 584.49 903.36 970.36 687.63 TI 2326.09 2727.69 3358.18 3815.67 3056.91 TD 18652.99 21665.14 23675.13 31707.86 23925.28 NP/TI 12.57 21.43 26.90 25.43 21.58 2.78 NP/TD 1.57 2.70 3.82 3.06 2.79 0.11 NP/WF 1.18 2.02 2.92 2.39 2.13 0.00



391

Table 5.4.9 (a) - Employee productivity performance (JSBL)


Parameter* 2001-02 2002-03 2003-04 2004-05 AVG S.D. C.V.% E 1109 1109 1109 1044 1093 32.50 2.97 D 165339.48 156811.07 163114.05 160537.57 161450.54 3662.85 2.27 D/E 149.09 141.40 147.08 153.77 147.84 5.13 3.47 G% -5.16 4.02 4.55 1.14 CR 113599.65 108806.00 98147.51 95058.58 103902.94 8744.79 8.42 CR/E 102.43 98.11 88.50 91.05 95.02 6.40 6.73 G% -4.22 -9.80 2.88 -3.71 BUS/E 251.52 239.51 235.58 244.82 242.86 6.91 2.84 G% -4.78 -1.64 3.92 -0.83 TEX 19264.10 18495.26 15688.31 16313.39 17440.27 1710.61 9.81 TEX/E 17.37 16.68 14.15 15.63 15.96 1.40 8.79 G% -3.99 -15.18 10.46 -2.90 TER 20714.55 18918.96 16466.31 16348.18 18112.00 2101.10 11.60 TER/E 18.68 17.06 14.85 15.66 16.56 1.68 10.15 G% -8.67 -12.96 5.46 -5.39 ESTB 2652.23 2513.28 2251.02 2243.72 2415.06 201.79 8.36 ESTB/E 2.39 2.27 2.03 2.15 2.21 0.16 7.03 G% -5.24 -10.43 5.88 -3.26 SPR 2120.94 986.09 830.97 2713.89 1662.97 906.38 54.50 SPR/E 1.91 0.89 0.75 2.60 1.54 0.88 57.07 G% -53.51 -15.73 246.93 59.23 BRD 670.49 562.39 52.97 1844.09 782.49 757.23 96.77 BRD/E 0.60 0.51 0.05 1.77 0.73 0.73 99.99 G% -16.12 -90.58 3598.14 1163.81

NP -5130.77 -3056.06 769.34 34.77 -1845.68 2746.59 -

148.81

NP/E -4.63 -2.76 0.69 0.03 -1.66 2.48 -

148.88 G% -40.44 -125.17 -95.20 -86.94



392

Table 5.4.9 (b) - Employee productivity performance (JSBL)

(Amount ` in Lakhs) Post-CBS Parameter* 2005-06 2006-07 2007-08 2008-09 AVG S.D. C.V.% Growth E 1017 980 946 912 964 45.07 4.68 -11.81 D 172447.97 185196.67 217218.76 244559.47 204855.72 32485.76 15.86 26.88 D/E 169.57 188.98 229.62 268.16 214.08 43.88 20.50 44.81 G% 11.45 21.51 16.78 CR 105267.85 120279.52 126576.65 154274.47 126599.62 20501.11 16.19 21.84 CR/E 103.51 122.73 133.80 169.16 132.30 27.58 20.84 39.23 G% 18.57 9.02 26.43 BUS/E 273.07 311.71 363.42 437.32 346.38 71.03 20.51 42.63 G% 14.15 16.59 20.33 TEX 14746.70 16262.96 26168.07 25062.95 20560.17 5887.44 28.64 17.89 TEX/E 14.50 16.59 27.66 27.48 21.56 6.99 32.44 35.13 G% 14.45 66.69 -0.65 TER 17801.97 17923.32 26944.04 27301.07 22492.60 5348.43 23.78 24.19 TER/E 17.50 18.29 28.48 29.94 23.55 6.57 27.88 42.22 G% 4.48 55.73 5.10 ESTB 2217.12 2137.63 2203.85 2598.65 2289.31 209.14 9.14 -5.21 ESTB/E 2.18 2.18 2.33 2.85 2.39 0.32 13.31 7.96 G% 0.05 6.80 22.31 SPR 3435.12 4292.77 4582.70 6461.75 4693.09 1275.81 27.18 182.21 SPR/E 3.38 4.38 4.84 7.09 4.92 1.57 31.83 220.10 G% 29.69 10.59 46.26 BRD -178.12 1624.08 3386.43 2934.70 1941.77 1598.73 82.33 148.15 BRD/E -0.18 1.66 3.58 3.22 2.07 1.71 82.78 182.99 G% -1046.21 116.01 -10.11 NP 3055.21 1660.35 775.92 2238.54 1932.51 960.19 49.69 -204.70 NP/E 3.00 1.69 0.82 2.45 1.99 0.95 47.60 -219.80 -43.60 -51.59 199.26




393

Table 5.4.9 (c) - Employee productivity performance (JSBL)

Pre-CBS Post-CBS

Parameter* AVG CAGR EGR AVG CAGR EGR EGR growth

E 1093 -1.50 -2.01 964 -2.69 -3.63 -1.62 D/E 147.84 0.78 1.03 214.08 12.14 15.28 14.25 CR/E 95.02 -2.90 -3.93 132.30 13.07 16.37 20.30 BUS/E 242.86 -0.67 -0.90 346.38 12.49 15.70 16.60 TEX/E 15.96 -2.61 -3.53 21.56 17.33 21.31 24.84 TER/E 16.56 -4.31 -5.88 23.55 14.36 17.89 23.76 ESTB/E 2.21 -2.64 -3.56 2.39 6.92 8.93 12.49 SPR/E 1.54 7.98 10.23 4.92 20.35 24.69 14.46 BRD/E 0.73 30.74 35.74 2.07 24.76 33.18 -2.56 NP/E -1.66 - - 1.99 - - -



Table 5.4.10 – Summary of employee productivity (JSBL)

(Amount ` in Lakhs) Parameter* Pre-CBS

Period Avg

Post-CBS period Avg

% Growth

E 1093 964 -11.81 D 161450.54 204855.72 D/E 147.84 214.08 44.81 CR 103902.94 126599.62 CR/E 95.02 132.30 39.23 BUS/E 242.86 346.38 42.63 TEX 17440.27 20560.17 TEX/E 15.96 21.56 35.13 TER 18112.00 22492.60 TER/E 16.56 23.55 42.22 ESTB 2415.06 2289.31 ESTB/E 2.21 2.39 7.96 SPR 1662.97 4693.09 SPR/E 1.54 4.92 220.10 BRD 782.49 1941.77 BRD/E 0.73 2.07 182.99 NP -1845.68 1932.51 NP/E -1.66 1.99 219.80



394

Table 5.4.11 (a) - Branch productivity performance (JSBL) (Amount ` in Lakhs)

Pre-CBS Parameter* 2001-02 2002-03 2003-04 2004-05 AVG S.D. C.V.% BR 40 40 40 39 40 0.50 1.26 D 165339.48 156811.07 163114.05 160537.57 161450.54 3662.85 2.27 D/BR 4133.49 3920.28 4077.85 4116.35 4061.99 97.30 2.40 G% -5.16 4.02 0.94 -0.06 CR 113599.65 108806.00 98147.51 95058.58 103902.94 8744.79 8.42 CR/BR 2839.99 2720.15 2453.69 2437.40 2612.81 199.35 7.63 G% -4.22 -9.80 -0.66 -4.89 BUS/BR 6973.48 6640.43 6531.54 6553.75 6674.80 204.59 3.07 G% -4.78 -1.64 0.34 -2.03 TEX 19264.10 18495.26 15688.31 16313.39 17440.27 1710.61 9.81 TEX/BR 481.60 462.38 392.21 418.29 438.62 40.74 9.29 G% -3.99 -15.18 6.65 -4.17 TER 20714.55 18918.96 16466.31 16348.18 18112.00 2101.10 11.60 TER/BR 517.86 472.97 411.66 419.18 455.42 49.78 10.93 G% -8.67 -12.96 1.83 -6.60 ESTB 2652.23 2513.28 2251.02 2243.72 2415.06 201.79 8.36 ESTB/BR 66.31 62.83 56.28 57.53 60.74 4.68 7.70 G% -5.24 -10.43 2.23 -4.48 NP -5130.77 -3056.06 769.34 34.77 -1845.68 2746.59 -148.81 NP/BR -128.27 -76.40 19.23 0.89 -46.14 68.67 -148.84 G% -40.44 -125.17 -95.36 -86.99



395

Table 5.4.11 (b) - Branch productivity performance (JSBL) (Amount ` in Lakhs)

Post-CBS Parameter* 2005-06 2006-07 2007-08 2008-09 AVG S.D. C.V.% Growth BR 39 39 39 39 39.00 0.00 0.00 -1.89 D 172447.97 185196.67 217218.76 244559.47 204855.72 32485.76 15.86 26.88 D/BR 4421.74 4748.63 5569.71 6270.76 5252.71 832.97 15.86 29.31 G% 7.39 17.29 12.59 CR 105267.85 120279.52 126576.65 154274.47 126599.62 20501.11 16.19 21.84 CR/BR 2699.18 3084.09 3245.56 3955.76 3246.14 525.67 16.19 24.24 G% 14.26 5.24 21.88 BUS/BR 7120.92 7832.72 8815.27 10226.51 8498.85 1345.03 15.83 27.33 G% 10.00 12.54 16.01 TEX 14746.70 16262.96 26168.07 25062.95 20560.17 5887.44 28.64 17.89 TEX/BR 378.12 417.00 670.98 642.64 527.18 150.96 28.64 20.19 G% 10.28 60.91 -4.22 TER 17801.97 17923.32 26944.04 27301.07 22492.60 5348.43 23.78 24.19 TER/BR 456.46 459.57 690.87 700.03 576.73 137.14 23.78 26.64 G% 0.68 50.33 1.33 ESTB 2217.12 2137.63 2203.85 2598.65 2289.31 209.14 9.14 -5.21 ESTB/BR 56.85 54.81 56.51 66.63 58.70 5.36 9.14 -3.35 G% -3.59 3.10 17.91 NP 3055.21 1660.35 775.92 2238.54 1932.51 960.19 49.69 -204.70 NP/BR 78.34 42.57 19.90 57.40 49.55 24.62 49.69 -207.40 G% -45.66 -53.27 188.50




396

Table 5.4.11 (c) - Branch productivity performance (JSBL)


growth BR 40 -0.63 -0.84 39.00 0.00 0.00 0.84 D/BR 4061.99 -0.10 -0.14 5252.71 9.13 11.65 11.78 CR/BR 2612.81 -3.75 -5.10 3246.14 10.03 12.74 17.84 BUS/BR 6674.80 -1.54 -2.07 8498.85 9.47 12.06 14.13 TEX/BR 438.62 -3.46 -4.70 527.18 14.18 17.68 22.38 TER/BR 455.42 -5.15 -7.05 576.73 11.28 14.25 21.30 ESTB/BR 60.74 -3.49 -4.73 58.70 4.05 5.29 10.02 NP/BR -46.14 - - 49.55 -7.48 -10.37 -



Table 5.4.12 – Summary of branch productivity (JSBL)


Period Avg

Post-CBS period

Avg

% Growth

BR 40 39 -1.89 D 161450.54 204855.72 26.88 D/BR 4061.99 5252.71 29.31 CR 103902.94 126599.62 21.84 CR/BR 2612.81 3246.14 24.24 BUS/BR 6674.80 8498.85 27.33 TEX 17440.27 20560.17 17.89 TEX/BR 438.62 527.18 20.19 TER 18112.00 22492.60 24.19 TER/BR 455.42 576.73 26.64 ESTB 2415.06 2289.31 -5.21 ESTB/BR 60.74 58.70 -3.35 NP -1845.68 1932.51 -204.70 NP/BR -46.14 49.55 -207.40




397

Table 5.4.13 (a) - Profitability performance (JSBL)


Parameter* 2001-02 2002-03 2003-04 2004-05 AVG WF 194757.11 189690.68 196293.13 193796.81 193634.43 IE 17521.07 15823.93 13051.07 13435.47 14957.89 IE/WF 9.00 8.34 6.65 6.93 7.73 IP 15400.13 14837.84 12220.10 10721.58 13294.91 IP/WF 7.91 7.82 6.23 5.53 6.87 SPR 2120.94 986.09 830.97 2713.89 1662.97 SPR/WF 1.09 0.52 0.42 1.40 0.86 NIE 3863.97 3657.42 3415.24 4756.80 3936.60 NIE/WF 1.98 1.93 1.77 2.45 2.03 NII 3193.48 3095.03 3415.24 2912.71 3154.12 NII/WF 1.64 1.63 1.74 1.50 1.63 BRD 670.49 562.39 52.97 1844.09 782.49 BRD/WF 0.34 0.30 0.03 0.95 0.40 NP -5130.77 -3056.06 769.34 34.77 -1845.68 TI 20714.55 18918.96 16466.31 16348.18 18112.00 TD 165339.48 156811.07 163114.05 160537.57 161450.54 NP/TI -24.77 -16.15 4.67 0.21 -9.01 NP/TD -3.10 -1.95 0.47 0.02 -1.14 NP/WF -2.63 -1.61 0.39 0.02 -0.96 Source: Annual reports of the bank

* WF: Working fund, IE: Interest Earned, IP: Interest Paid, SPR: Spread, NIE: Non Interest

Expenditure, NII: Non Interest Income, BRD: Burden, NP: Net Profit, TI: Total Income, TD:

Total Deposit

398

Table 5.4.13 (b) - Profitability performance (JSBL)

(Amount ` in Lakhs) Post-CBS Parameter 2005-06 2006-07 2007-08 2008-09 AVG Growth WF 203076.06 219706.21 245766.95 276559.09 236277.08 IE 12951.18 14703.96 17844.29 22711.11 17052.64 IE/WF 6.38 6.69 7.26 8.21 7.14 -0.59 IP 9516.06 10411.19 13261.59 16249.36 12359.55 IP/WF 4.69 4.74 5.40 5.88 5.17 -1.70 SPR 3435.12 4292.77 4582.70 6461.75 4693.09 SPR/WF 1.69 1.95 1.86 2.34 1.96 1.10 NIE 4672.67 4843.44 12486.18 7524.66 7381.74 NIE/WF 2.30 2.20 5.08 2.72 3.08 1.04 NII 4850.79 3219.36 9099.75 4589.96 5439.97 NII/WF 2.39 1.47 3.70 1.66 2.30 0.68 BRD -178.12 1624.08 3386.43 2934.70 1941.77 BRD/WF -0.09 0.74 1.38 1.06 0.77 0.37 NP 3055.21 1660.35 775.92 2238.54 1932.51 TI 17801.97 17923.32 26944.04 27301.07 22492.60 TD 172447.97 185196.67 217218.76 244559.47 204855.72 NP/TI 17.16 9.26 2.88 8.20 9.38 18.39 NP/TD 1.77 0.90 0.36 0.92 0.99 2.12 NP/WF 1.50 0.76 0.32 0.81 0.85 1.81




399

Table 5.5.9 (a) - Employee productivity performance (CCBL)


Parameter* 1999-00 2000-01 2001-02 2002-03 AVG S.D. C.V.% E 1156 1196 1244 1237 1208 40.76 3.37 D 135393.25 171255.36 209193.44 226282.79 185531.21 40571.78 21.87 D/E 117.12 143.19 168.16 182.93 152.85 28.92 18.92 G% 22.26 17.44 8.78 16.16 CR 75591.98 101737.31 112520.09 119336.51 102296.47 19220.89 18.79 CR/E 65.39 85.06 90.45 96.47 84.34 13.47 15.97 G% 30.09 6.33 6.66 14.36 BUS/E 182.51 228.25 258.61 279.40 237.20 42.07 17.74 G% 25.06 13.30 8.04 15.47 TEX 16941.10 20436.45 25602.68 30228.21 23302.11 5829.18 25.02 TEX/E 14.65 17.09 20.58 24.44 19.19 4.26 22.20 G% 16.60 20.45 18.73 18.59 TER 19065.85 22903.72 28425.64 33234.46 25907.42 6214.40 23.99 TER/E 16.49 19.15 22.85 26.87 21.34 4.51 21.15 G% 16.11 19.32 17.58 17.67 ESTB 1698.35 1936.18 2612.67 2578.92 2206.53 460.06 20.85 ESTB/E 1.47 1.62 2.10 2.08 1.82 0.32 17.74 G% 10.19 29.73 -0.73 13.06 SPR 5571.31 5855.72 9671.42 12708.26 8451.68 3398.13 40.21 SPR/E 4.82 4.90 7.77 10.27 6.94 2.61 37.65 G% 1.59 58.79 32.14 30.84 BRD 2478.56 2202.81 3459.22 3767.01 2976.90 753.76 25.32 BRD/E 2.14 1.84 2.78 3.05 2.45 0.56 22.66 G% -14.10 50.98 9.51 15.46 NP 2124.75 2467.25 2822.95 3006.24 2605.30 390.77 15.00 NP/E 1.84 2.06 2.27 2.43 2.15 0.26 11.94 G% 12.24 10.00 7.10 9.78



400

Table 5.5.9 (b) - Employee productivity performance (CCBL) (Amount ` in Lakhs)

Post-CBS Parameter

* 2003-04 2004-05 2005-06 2006-07 AVG S.D. C.V.% Growth# E 1242 1269 1265 1571 1337 156.62 11.72 10.64

D 248275.89 285127.67 336702.09 426555.96 324165.40 77296.31 23.84 74.72

D/E 199.90 224.69 266.17 271.52 240.57 34.25 14.24 57.39

12.40 18.46 2.01

CR 140218.44 158127.02 196596.71 244837.93 184945.03 46341.47 25.06 80.79

CR/E 112.90 124.61 155.41 155.85 137.19 21.82 15.91 62.66

10.37 24.72 0.28

BUS/E 312.80 349.29 421.58 427.37 377.76 56.01 14.83 59.26

11.67 20.69 1.37

TEX 28778.12 25110.99 29249.45 49437.64 33144.05 11018.78 33.25 42.24

TEX/E 23.17 19.79 23.12 31.47 24.39 4.98 20.42 27.08

-14.60 16.85 36.10

TER 35847.24 29089.58 34261.96 55469.53 38667.08 11567.30 29.92 49.25

TER/E 28.86 22.92 27.08 35.31 28.54 5.15 18.04 33.76

-20.58 18.15 30.36

ESTB 2720.83 2831.81 3218.06 3709.72 3120.11 447.13 14.33 41.40

ESTB/E 2.19 2.23 2.54 2.36 2.33 0.16 6.82 28.25

1.86 14.00 -7.18

SPR 7394.22 9371.30 11177.03 12434.37 10094.23 2195.56 21.75 19.43

SPR/E 5.95 7.38 8.84 7.91 7.52 1.21 16.02 8.38

24.04 19.65 -10.42

BRD -3484.15 4444.21 2943.56 -144.73 939.72 3513.95 373.93 -68.43

BRD/E -2.81 3.50 2.33 -0.09 0.73 2.79 381.13 -70.12

-224.84 -33.56 -103.96

NP 7069.14 3978.57 5012.49 6031.84 5523.01 1328.58 24.06 111.99

NP/E 5.69 3.14 3.96 3.84 4.16 1.09 26.12 93.35

-44.92 26.39 -3.10 -3.10 -3.10 -3.10 -3.10




401

Table 5.5.9 (c) - Employee productivity performance (CCBL)

Pre-CBS Post-CBS

Parameter AVG CAGR EGR AVG CAGR EGR EGR growth

E 1208 1.71 2.26 1337 6.05 7.83 5.58 D/E 152.85 11.79 14.86 240.57 7.96 10.21 -4.66 CR/E 84.34 10.21 12.96 137.19 8.39 10.75 -2.22 BUS/E 237.20 11.23 14.19 377.76 8.11 10.40 -3.79 TEX/E 19.19 13.64 17.04 24.39 7.95 10.20 -6.84 TER/E 21.34 12.97 16.27 28.54 5.17 6.72 -9.55 ESTB/E 1.82 9.14 11.67 2.33 1.89 2.50 -9.17 SPR/E 6.94 20.83 25.23 7.52 7.38 9.49 -15.74 BRD/E 2.45 9.17 11.70 0.73 -57.43 - - NP/E 2.15 7.23 9.31 4.16 -9.37 -13.12 -22.43



Table 5.5.10 – Summary of employee productivity (CCBL)


Period Avg

Post-CBS period Avg

% Growth

E 1208 1337 10.64 D 185531.21 324165.40 D/E 152.85 240.57 57.39 CR 102296.47 184945.03 CR/E 84.34 137.19 62.66 BUS/E 237.20 377.76 59.26 TEX 23302.11 33144.05 TEX/E 19.19 24.39 27.08 TER 25907.42 38667.08 TER/E 21.34 28.54 33.76 ESTB 2206.53 3120.11 ESTB/E 1.82 2.33 28.25 SPR 8451.68 10094.23 SPR/E 6.94 7.52 8.38 BRD 2976.90 939.72 BRD/E 2.45 0.73 -70.12 NP 2605.30 5523.01 NP/E 2.15 4.16 93.35


E: Employees, D: Deposits, CR: Credit, BUS: Business, TEX: Total Expenditure, TER: Total Earning, ESTB: Establishment Expenses, SPR: Spread, BRD: Burden, NP: Net Profit, G%: Y-o-Y Growth in %

402

Table 5.5.11 (a) - Branch productivity performance (CCBL)


Parameter* 1999-00 2000-01 2001-02 2002-03 AVG S.D. C.V.% BR 36 41 42 46 41 4.11 9.97 D 135393.25 171255.36 209193.44 226282.79 185531.21 40571.78 21.87 D/BR 3760.92 4176.96 4980.80 4919.19 4459.47 591.86 13.27 G% 11.06 19.24 -1.24 9.69 CR 75591.98 101737.31 112520.09 119336.51 102296.47 19220.89 18.79 CR/BR 2099.78 2481.40 2679.05 2594.27 2463.62 255.72 10.38 G% 18.17 7.97 -3.16 7.66 BUS/BR 5860.70 6658.36 7659.85 7513.46 6923.09 834.69 12.06 G% 13.61 15.04 -1.91 8.91 TEX 16941.10 20436.45 25602.68 30228.21 23302.11 5829.18 25.02 TEX/BR 470.59 498.45 609.59 657.14 558.94 88.83 15.89 G% 5.92 22.30 7.80 12.01 TER 19065.85 22903.72 28425.64 33234.46 25907.42 6214.40 23.99 TER/BR 529.61 558.63 676.80 722.49 621.88 92.47 14.87 G% 5.48 21.15 6.75 11.13 ESTB 1698.35 1936.18 2612.67 2578.92 2206.53 460.06 20.85 ESTB/BR 47.18 47.22 62.21 56.06 53.17 7.33 13.79 G% 0.10 31.73 -9.88 7.32 NP 2124.75 2467.25 2822.95 3006.24 2605.30 390.77 15.00 NP/BR 59.02 60.18 67.21 65.35 62.94 3.96 6.29 G% 1.96 11.69 -2.77 3.63



403

Table 5.5.11 (b) - Branch productivity performance (CCBL) (Amount ` in Lakhs)

Post-CBS Parameter* 2003-04 2004-05 2005-06 2006-07 AVG S.D. C.V.% Growth#

BR 46 48 57 80 57.75 15.59 26.99 40.00 D 248275.89 285127.67 336702.09 426555.96 324165.40 77296.31 23.84 74.72 D/BR 5397.30 5940.16 5907.05 5331.95 5644.12 324.11 5.74 26.56 G% 10.06 -0.56 -9.74 CR 140218.44 158127.02 196596.71 244837.93 184945.03 46341.47 25.06 80.79 CR/BR 3048.23 3294.31 3449.07 3060.47 3213.02 193.87 6.03 30.42 G% 8.07 4.70 -11.27 BUS/BR 8445.53 9234.47 9356.12 8392.42 8857.14 508.84 5.74 27.94 G% 9.34 1.32 -10.30 TEX 28778.12 25110.99 29249.45 49437.64 33144.05 11018.78 33.25 42.24 TEX/BR 625.61 523.15 513.15 617.97 569.97 60.06 10.54 1.97 G% -16.38 -1.91 20.43 TER 35847.24 29089.58 34261.96 55469.53 38667.08 11567.30 29.92 49.25 TER/BR 779.29 606.03 601.09 693.37 669.94 84.32 12.59 7.73 G% -22.23 -0.82 15.35 ESTB 2720.83 2831.81 3218.06 3709.72 3120.11 447.13 14.33 41.40 ESTB/BR 59.15 59.00 56.46 46.37 55.24 6.04 10.94 3.90 G% -0.26 -4.30 -17.86 NP 7069.14 3978.57 5012.49 6031.84 5523.01 1328.58 24.06 111.99 NP/BR 153.68 82.89 87.94 75.40 99.98 36.17 36.18 58.84 G% -46.06 6.09 -14.26




404

Table 5.5.11 (c) - Branch productivity performance (CCBL)

Pre-CBS Post-CBS


BR 41 6.32 8.17 79 12.14 18.45 10.28 D/BR 4459.47 6.94 8.95 6326.07 4.95 -0.41 -9.36 CR/BR 2463.62 5.43 7.05 3828.74 7.78 0.13 -6.92 BUS/BR 6923.09 6.41 8.28 10154.82 6.03 -0.21 -8.49 TEX/BR 558.94 8.71 11.13 603.86 1.02 -0.41 -11.54 TER/BR 621.88 8.07 10.35 694.98 -0.06 -3.89 -14.25 ESTB/BR 53.17 4.41 5.75 57.04 2.39 -8.11 -13.87 NP/BR 62.94 2.58 3.40 91.11 -5.63 -23.74 -27.13


• BR: Branches, D: Deposits, CR: Credit, BUS: Business, TEX: Total Expenditure, TER: Total Earning, ESTB: Establishment Expenses, SPR: Spread, NP: Net Profit, G%: Y-o-Y Growth in %

Table 5.5.12 – Summary of branch productivity (CCBL) (Amount ` in Lakhs)

Parameter Pre-CBS Period

Avg

Post-CBS period

Avg

% Growth

BR 41 57 40.00 D 185531.21 324165.40 74.72 D/BR 4459.47 5644.12 26.56 CR 102296.47 184945.03 80.79 CR/BR 2463.62 3213.02 30.42 BUS/BR 6923.09 8857.14 27.94 TEX 23302.11 33144.05 42.24 TEX/BR 558.94 569.97 1.97 TER 25907.42 38667.08 49.25 TER/BR 621.88 669.94 7.73 ESTB 2206.53 3120.11 41.40 ESTB/BR 53.17 55.24 3.90 NP 2605.30 5523.01 111.99 NP/BR 62.94 99.98 58.84




405

Table 5.5.13 (a) - Profitability performance (CCBL)

(Amount ` in Lakhs) Pre-CBS Parameter* 1999-00 2000-01 2001-02 2002-03 AVG WF 154945.36 195111.86 237220.09 266411.00 213422.08 IE 18527.27 21776.57 27701.2 32368.58 25093.41 IE/WF 11.96 11.16 11.68 12.15 11.74 IP 12955.96 15920.85 18029.78 19660.32 16641.73 IP/WF 8.36 8.16 7.60 7.38 7.88 SPR 5571.31 5855.72 9671.42 12708.26 8451.68 SPR/WF 3.60 3.00 4.08 4.77 3.86 NIE 3017.14 3329.96 4183.66 4632.89 3790.91 NIE/WF 1.95 1.71 1.76 1.74 1.79 NII 538.58 1127.15 724.44 865.88 814.01 NII/WF 0.35 0.58 0.31 0.33 0.39 BRD 2478.56 2202.81 3459.22 3767.01 2976.90 BRD/WF 1.60 1.13 1.46 1.41 1.40 NP 2124.75 2467.25 2822.95 3006.24 2605.30 TI 19065.85 22903.72 28425.64 33234.46 25907.42 TD 135393.25 171255.36 209193.44 226282.79 185531.21 NP/TI 11.14 10.77 9.93 9.05 10.22 NP/TD 1.57 1.44 1.35 1.33 1.42 NP/WF 1.37 1.26 1.19 1.13 1.24

Source: Annual reports of the bank * WF: Working fund, IE: Interest Earned, IP: Interest Paid, SPR: Spread, NIE: Non Interest

Expenditure, NII: Non Interest Income, BRD: Burden, NP: Net Profit, TI: Total Income, TD:

Total Deposit

406

Table 5.5.13 (b) - Profitability performance (CCBL) (Amount ` in Lakhs)

Post-CBS Parameter* 2003-04 2004-05 2005-06 2006-07 AVG Growth WF 296539.43 339722.53 403969.21 492816.29 383261.87 IE 26823.74 26831.23 30572.38 34665.34 29723.17 IE/WF 9.05 7.90 7.57 7.03 7.89 -3.85 IP 19429.52 17459.93 19395.35 22230.97 19628.94 IP/WF 6.55 5.14 4.80 4.51 5.25 -2.62 SPR 7394.22 9371.30 11177.03 12434.37 10094.23 SPR/WF 2.49 2.76 2.77 2.52 2.64 -1.23 NIE 5539.35 6702.56 6633.14 20659.46 9883.63 NIE/WF 1.87 1.97 1.64 4.19 2.42 0.63 NII 9023.50 2258.35 3689.58 20804.19 8943.91 NII/WF 3.04 0.66 0.91 4.22 2.21 1.82 BRD -3484.15 4444.21 2943.56 -144.73 939.72 BRD/WF -1.17 1.31 0.73 -0.03 0.21 -1.19 NP 7069.14 3978.57 5012.49 6031.84 5523.01 TI 35847.24 29089.58 34261.96 55469.53 38667.08 TD 248275.89 285127.67 336702.09 426555.96 324165.40 NP/TI 19.72 13.68 14.63 10.87 14.73 4.50 NP/TD 2.85 1.40 1.49 1.41 1.79 0.36 NP/WF 2.38 1.17 1.24 1.22 1.50 0.27




407

annexure i - shodhgangashodhganga.inflibnet.ac.in/bitstream/10603/92836/16/16_appendice… · 14...

Documents