Post Recession Performance Analysis of Indian Banks: A Study for 2008-2012

Performance of banking sector has a very significant influence on the economic growth. Post 2008 has been a very significant time period not only in the context of Indian economy but also for the whole world economy. During this time period, most o world economies were going through a phase of recovery, while some were still struggling with the impact of recession. This article makes an attempt to study the performance of banks in India during this crucial time period. We have classified the banking sector in India in 5 different categories, like nationalized banks, SBI & associates, new private banks, old private banks and foreign banks. Aggregate data relating to all the categories of banks have been collected on eight very significant parameters like cost of deposit, return on advances, net profit, return on assets, return on equity, Net NPA as % to Net Advances, Spread as a % of total assets and capital adequacy ratio as per Basel 1. An attempt has been made to analyze and compare the performance of the banks on the basis of these parameters in the post recession period.