A STUDY ON THE PERFORMANCE OF SBI AND ASSOCIATE BANKS IN INDIA

Management

The present study focuses on the bank specific determinants of Profitability of SBI and its Associates. The study has employed multiple regression analysis using the time series data for the study period 2006 -20017. ROA, ROE & NIM are assumed as dependent variable and GNPA, CAR, CADR, ROI, GNPA, COD, ITA are chosen as independent variable. The most interesting result for profitability measure return on average assets is that CAR which has reported a negative insignificant relationship with ROA which is not in line with the previous studies .For SBI and its associates, these are the major determinants of profitability GNPA, CAR, CADR, ROI, GNPA and CAR. For State Bank of INDIA, these are the major determinants of profitability and ICTA. For State Bank of GNPA, CAR, CADR, ROI, GNPA, COD, ITA Bikaner and Jaipur, these are the major determinants of Profitability, ICTA, IITA, NIITA and CAR. For State Bank of Hyderabad, these are the major determinants of profitability NIM, ICAR, CADR, ITA and CAR. IITA, NPA. For State Bank of Mysore, these are the major determinants of profitability NIM, NIITA and CAR. For State Bank of Patiala, these are the major determinants of profitability IITA, NIITA, ICAR, NIM and CAR. For State Bank of Travancore, these are the major determinants of profitability, ITA, IITA, CAR and .Additional aspects in the analyses, would help to even better understanding of the determinants of bank profitability.

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