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286
Appendix – A
287
Table A1
Efficiency Calculations using DEAP 2.1 program for Model -1(Technical Efficiency)
Model 1
BANK 1995 1996 1997
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.626 0.844 0.742 0.859 0.884 0.971 0.917 0.928 0.987
Andhra Bank 0.612 0.833 0.734 0.880 0.898 0.981 0.988 0.995 0.993
Bank Of Baroda 0.688 0.996 0.690 0.824 1.000 0.824 0.938 0.988 0.950
Bank Of India 0.673 0.969 0.694 0.892 1.000 0.892 0.905 0.969 0.934 Bank Of Maharashtra 0.611 0.874 0.699 0.850 0.964 0.882 0.912 0.919 0.992
Canara Bank 0.703 1.000 0.703 0.942 0.999 0.943 0.922 1.000 0.922 Central Bank Of India 0.628 0.883 0.712 0.905 0.944 0.959 0.881 1.000 0.881
Corporation Bank 0.741 1.000 0.741 0.980 1.000 0.980 1.000 1.000 1.000
Dena Bank 0.681 0.947 0.718 0.960 0.979 0.980 0.824 0.828 0.995
Indian Bank 0.777 1.000 0.777 0.638 0.659 0.968 0.797 0.813 0.980 Indian Overseas Bank 0.720 0.974 0.739 0.854 1.000 0.854 0.950 0.969 0.980 Oriental Bank Of Commerce 0.764 1.000 0.764 0.981 1.000 0.981 0.987 1.000 0.987
Punjab & Sind Bank 0.657 0.850 0.773 0.786 0.801 0.981 0.903 0.905 0.998 Punjab National Bank 0.729 1.000 0.729 0.802 1.000 0.802 0.949 1.000 0.949
Syndicate Bank 0.602 0.911 0.661 0.940 0.969 0.970 1.000 1.000 1.000
Uco Bank 0.614 0.838 0.733 0.830 0.853 0.974 0.901 0.914 0.986 Union Bank Of India 0.707 1.000 0.707 0.823 1.000 0.823 0.973 1.000 0.973 United Bank Of India 0.530 0.692 0.765 0.770 0.785 0.980 1.000 1.000 1.000
Vijaya Bank 0.739 0.922 0.802 0.824 0.839 0.982 0.946 0.947 0.998
State Bank of India 0.691 1.000 0.691 0.962 1.000 0.962 0.924 1.000 0.924
Axis Bank Ltd. 0.702 0.917 0.766 0.880 0.885 0.995 1.000 1.000 1.000 Centurion Bank Of Punjab Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 0.891 0.909 0.980 Development Credit Bank Ltd. 1.000 1.000 1.000 0.986 1.000 0.986
H D F C Bank Ltd. 0.641 1.000 0.641 0.976 0.989 0.987 1.000 1.000 1.000
I C I C I Bank Ltd. 0.693 0.876 0.791 0.895 0.909 0.985 0.970 0.971 0.999
Indusind Bank Ltd. 0.943 0.956 0.986 1.000 1.000 1.000 0.925 0.932 0.992 Kotak Mahindra Bank Ltd.
288
Efficiency Calculations using DEAP 2.1 program for Model -1(Technical Efficiency)
continued…..
Model 1
BANK 1998 1999 2000
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.947 0.962 0.984 0.964 0.999 0.964 0.922 0.982 0.938
Andhra Bank 0.939 0.954 0.985 0.969 0.994 0.975 0.944 0.952 0.992
Bank Of Baroda 0.939 1.000 0.939 0.930 1.000 0.930 0.969 1.000 0.969
Bank Of India 0.909 1.000 0.909 0.859 0.995 0.863 0.899 0.941 0.956 Bank Of Maharashtra 0.970 1.000 0.970 0.938 0.981 0.956 0.952 0.963 0.988
Canara Bank 0.899 0.987 0.911 0.925 1.000 0.925 0.909 0.961 0.946 Central Bank Of India 0.930 1.000 0.930 0.928 1.000 0.928 0.922 1.000 0.922
Corporation Bank 1.000 1.000 1.000 0.986 1.000 0.986 1.000 1.000 1.000
Dena Bank 0.914 0.986 0.927 0.934 0.985 0.948 0.923 0.940 0.982
Indian Bank 0.754 0.843 0.894 0.694 0.723 0.959 0.760 0.816 0.931 Indian Overseas Bank 0.975 1.000 0.975 0.899 0.943 0.953 0.919 0.934 0.984 Oriental Bank Of Commerce 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Punjab & Sind Bank 0.936 0.936 1.000 0.936 0.948 0.988 0.926 0.930 0.995 Punjab National Bank 0.971 1.000 0.971 0.952 1.000 0.952 0.944 0.983 0.960
Syndicate Bank 0.919 0.949 0.968 0.942 0.994 0.947 0.975 1.000 0.975
Uco Bank 0.809 0.849 0.953 0.828 0.895 0.925 0.904 0.921 0.982
Union Bank Of India 0.946 1.000 0.946 0.930 1.000 0.930 0.943 0.962 0.980
United Bank Of India 0.953 1.000 0.953 1.000 1.000 1.000 1.000 1.000 1.000
Vijaya Bank 0.893 0.905 0.987 0.904 0.938 0.963 0.953 0.959 0.993
State Bank of India 0.952 1.000 0.952 0.893 1.000 0.893 0.942 1.000 0.942
Axis Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Centurion Bank Of Punjab Ltd. 1.000 1.000 1.000 0.948 0.949 0.999 0.962 0.971 0.991 Development Credit Bank Ltd. 0.970 1.000 0.970 0.957 1.000 0.957 0.961 1.000 0.961
H D F C Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
I C I C I Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 0.989 0.990 0.998
Indusind Bank Ltd. 1.000 1.000 1.000 0.949 0.968 0.980 0.947 0.954 0.993 Kotak Mahindra Bank Ltd.
289
Efficiency Calculations using DEAP 2.1 program for Model -1(Technical Efficiency)
continued…..
Model 1
BANK 2001 2002 2003
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.917 0.928 0.987 0.907 0.939 0.966 0.892 0.910 0.981
Andhra Bank 0.988 0.995 0.993 1.000 1.000 1.000 0.988 0.989 0.999
Bank Of Baroda 0.938 0.988 0.950 0.951 0.991 0.959 0.964 0.983 0.980
Bank Of India 0.905 0.969 0.934 0.931 1.000 0.931 0.948 1.000 0.948 Bank Of Maharashtra 0.912 0.919 0.992 0.955 0.955 1.000 0.969 0.970 0.998
Canara Bank 0.922 1.000 0.922 0.954 1.000 0.954 0.995 1.000 0.995 Central Bank Of India 0.881 1.000 0.881 0.933 1.000 0.933 0.916 1.000 0.916
Corporation Bank 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Dena Bank 0.824 0.828 0.995 0.799 0.863 0.926 0.888 0.889 0.999
Indian Bank 0.797 0.813 0.980 0.866 0.885 0.978 0.922 0.922 1.000 Indian Overseas Bank 0.950 0.969 0.980 0.944 0.956 0.987 1.000 1.000 1.000 Oriental Bank Of Commerce 0.987 1.000 0.987 0.975 0.984 0.990 1.000 1.000 1.000
Punjab & Sind Bank 0.903 0.905 0.998 0.890 0.894 0.996 0.890 0.943 0.944 Punjab National Bank 0.949 1.000 0.949 0.958 1.000 0.958 0.987 1.000 0.987
Syndicate Bank 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Uco Bank 0.901 0.914 0.986 0.890 0.946 0.941 0.913 0.917 0.995 Union Bank Of India 0.973 1.000 0.973 0.988 0.997 0.991 0.979 0.987 0.992 United Bank Of India 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Vijaya Bank 0.946 0.947 0.998 0.975 0.977 0.998 0.970 0.971 0.999
State Bank of India 0.924 1.000 0.924 0.978 1.000 0.978 0.948 1.000 0.948
Axis Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Centurion Bank Of Punjab Ltd. 0.891 0.909 0.980 0.706 0.735 0.960 0.813 0.842 0.966 Development Credit Bank Ltd. 0.986 1.000 0.986 0.925 0.976 0.948 0.971 1.000 0.971
H D F C Bank Ltd. 1.000 1.000 1.000 0.998 1.000 0.998 0.999 1.000 0.999
I C I C I Bank Ltd. 0.970 0.971 0.999 0.938 0.971 0.966 1.000 1.000 1.000
Indusind Bank Ltd. 0.925 0.932 0.992 0.924 0.939 0.985 0.941 0.954 0.987 Kotak Mahindra Bank Ltd. 1.000 1.000 1.000
290
Efficiency Calculations using DEAP 2.1 program for Model -1(Technical Efficiency)
continued…..
Model 1
BANK 2004 2005 2006
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.921 0.968 0.952 0.960 0.961 1.000 1.000 1.000 1.000
Andhra Bank 0.960 0.983 0.976 1.000 1.000 1.000 0.998 1.000 0.998
Bank Of Baroda 0.915 0.993 0.921 0.917 0.970 0.945 0.933 0.954 0.978
Bank Of India 0.931 0.984 0.946 0.867 0.913 0.950 0.924 0.947 0.976 Bank Of Maharashtra 0.948 0.952 0.996 0.878 0.881 0.996 0.887 0.896 0.990
Canara Bank 0.948 1.000 0.948 0.937 0.978 0.958 0.977 1.000 0.977 Central Bank Of India 0.956 1.000 0.956 0.908 0.949 0.957 0.913 0.921 0.991
Corporation Bank 1.000 1.000 1.000 0.963 0.965 0.998 0.980 0.985 0.995
Dena Bank 0.879 0.906 0.970 0.849 0.853 0.995 0.880 0.887 0.993
Indian Bank 0.915 0.949 0.964 0.940 0.942 0.998 0.969 0.970 0.998 Indian Overseas Bank 0.937 0.960 0.976 0.961 0.980 0.981 1.000 1.000 1.000 Oriental Bank Of Commerce 0.995 1.000 0.995 1.000 1.000 1.000 1.000 1.000 1.000 Punjab & Sind Bank 0.859 0.895 0.960 0.825 0.839 0.983 0.983 1.000 0.983 Punjab National Bank 0.921 1.000 0.921 0.953 1.000 0.953 0.974 1.000 0.974
Syndicate Bank 0.917 0.964 0.951 0.943 0.956 0.987 0.975 0.976 0.999
Uco Bank 0.955 0.957 0.999 0.915 0.917 0.997 0.965 0.970 0.996 Union Bank Of India 1.000 1.000 1.000 0.939 0.972 0.966 0.966 0.981 0.986 United Bank Of India 1.000 1.000 1.000 1.000 1.000 1.000 0.911 0.920 0.990
Vijaya Bank 0.967 0.987 0.980 0.991 0.998 0.994 0.901 0.912 0.988
State Bank of India 0.900 1.000 0.900 0.927 1.000 0.927 0.938 1.000 0.938
Axis Bank Ltd. 0.926 0.944 0.980 0.965 0.971 0.994 0.986 1.000 0.986 Centurion Bank Of Punjab Ltd. 0.668 0.689 0.969 1.000 1.000 1.000 1.000 1.000 1.000 Development Credit Bank Ltd. 0.853 1.000 0.853 0.698 0.942 0.741 0.690 1.000 0.690
H D F C Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
I C I C I Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Indusind Bank Ltd. 1.000 1.000 1.000 0.979 1.000 0.979 0.976 1.000 0.976 Kotak Mahindra Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
291
Efficiency Calculations using DEAP 2.1 program for Model -1(Technical Efficiency)
continued…..
Model 1
BANK 2007 2008 2009
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 1.000 1.000 1.000 1.000 1.000 1.000 0.935 0.935 0.999
Andhra Bank 0.972 0.981 0.990 0.975 0.975 1.000 0.966 0.969 0.997
Bank Of Baroda 0.944 0.970 0.974 0.951 0.961 0.989 0.967 0.974 0.992
Bank Of India 0.958 0.978 0.980 0.994 1.000 0.994 1.000 1.000 1.000 Bank Of Maharashtra 0.931 0.942 0.988 0.975 0.977 0.998 0.954 0.955 1.000
Canara Bank 0.967 1.000 0.967 0.963 1.000 0.963 0.982 1.000 0.982 Central Bank Of India 0.944 0.949 0.995 0.937 0.939 0.998 0.967 1.000 0.967
Corporation Bank 0.987 0.991 0.996 0.997 0.997 1.000 1.000 1.000 1.000
Dena Bank 0.940 0.951 0.989 0.970 0.983 0.987 0.952 0.992 0.959
Indian Bank 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Indian Overseas Bank 1.000 1.000 1.000 1.000 1.000 1.000 0.966 0.972 0.994 Oriental Bank Of Commerce 0.961 0.961 1.000 0.930 0.933 0.997 1.000 1.000 1.000 Punjab & Sind Bank 0.985 1.000 0.985 1.000 1.000 1.000 1.000 1.000 1.000 Punjab National Bank 0.985 1.000 0.985 1.000 1.000 1.000 0.986 1.000 0.986
Syndicate Bank 0.970 0.981 0.988 1.000 1.000 1.000 1.000 1.000 1.000
Uco Bank 0.919 0.922 0.996 0.937 0.940 0.997 0.950 0.952 0.998 Union Bank Of India 0.948 0.960 0.988 0.993 1.000 0.993 1.000 1.000 1.000 United Bank Of India 0.944 0.955 0.989 0.941 0.949 0.991 0.909 0.910 0.999
Vijaya Bank 0.952 0.964 0.987 1.000 1.000 1.000 0.921 0.935 0.984
State Bank of India 0.950 1.000 0.950 0.960 1.000 0.960 0.965 1.000 0.965
Axis Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Centurion Bank Of Punjab Ltd. 1.000 1.000 1.000 Development Credit Bank Ltd. 0.961 1.000 0.961 1.000 1.000 1.000 0.797 1.000 0.797
H D F C Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
I C I C I Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Indusind Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Kotak Mahindra Bank Ltd. 0.950 0.990 0.960 0.966 1.000 0.966 1.000 1.000 1.000
292
Table A2
Efficiency Calculations using DEAP 2.1 program for Model -2(Technical efficiency)
Model 2
BANK 1995 1996 1997
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.366 0.732 0.500 0.528 0.759 0.695 0.662 0.776 0.853
Andhra Bank 0.362 0.709 0.510 0.480 0.632 0.759 0.597 0.660 0.905
Bank Of Baroda 0.449 1.000 0.449 0.629 1.000 0.629 0.788 1.000 0.788
Bank Of India 0.398 0.837 0.475 0.630 0.968 0.651 0.956 1.000 0.956 Bank Of Maharashtra
0.350 0.678 0.516 0.445 0.663 0.671 0.634 0.711 0.892
Canara Bank 0.386 0.828 0.466 0.555 0.858 0.647 0.662 0.953 0.695 Central Bank Of India
0.353 0.721 0.489 0.500 0.711 0.703 0.581 0.782 0.743
Corporation Bank 0.269 0.600 0.448 0.475 0.647 0.734 0.686 0.864 0.794
Dena Bank 0.396 0.780 0.508 0.583 0.788 0.740 0.754 0.836 0.902
Indian Bank 0.493 1.000 0.493 0.657 0.956 0.687 0.733 0.835 0.878 Indian Overseas Bank
0.417 0.842 0.495 0.572 0.839 0.681 0.661 0.780 0.847
Oriental Bank Of Commerce
0.422 0.885 0.477 0.598 0.935 0.639 0.739 1.000 0.739
Punjab & Sind Bank 0.369 0.715 0.515 0.527 0.700 0.753 0.649 0.702 0.925 Punjab National Bank
0.332 1.000 0.332 0.463 1.000 0.463 0.685 0.901 0.761
Syndicate Bank 0.271 0.543 0.500 0.428 0.593 0.722 0.608 0.716 0.849
Uco Bank 0.316 0.634 0.499 0.397 0.546 0.728 0.524 0.617 0.849
Union Bank Of India 0.369 0.747 0.494 0.482 0.811 0.594 0.694 0.929 0.748
United Bank Of India 0.279 0.548 0.509 0.360 0.479 0.751 0.486 0.502 0.969
Vijaya Bank 0.289 0.682 0.423 0.453 0.593 0.763 0.603 0.620 0.973
State Bank of India 0.454 1.000 0.454 0.688 1.000 0.688 0.834 1.000 0.834
Axis Bank Ltd. 0.846 1.000 0.846 0.704 0.705 0.998 0.631 0.884 0.713 Centurion Bank Of Punjab Ltd.
1.000 1.000 1.000 0.987 1.000 0.987 0.339 1.000 0.339
Development Credit Bank Ltd.
0.631 0.631 1.000 1.000 1.000 1.000
H D F C Bank Ltd. 0.143 0.146 0.986 0.601 0.606 0.993 0.700 0.731 0.958
I C I C I Bank Ltd. 0.293 0.308 0.952 1.000 1.000 1.000 0.905 0.997 0.908
Indusind Bank Ltd. 0.904 1.000 0.904 1.000 1.000 1.000 1.000 1.000 1.000 Kotak Mahindra Bank Ltd.
293
Efficiency Calculations using DEAP 2.1 program for Model -2(Technical efficiency)
continued….
Model 2
BANK 1998 1999 2000
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.630 0.857 0.734 0.564 0.965 0.585 0.559 1.000 0.559
Andhra Bank 0.644 0.749 0.860 0.536 0.897 0.597 0.519 0.666 0.778
Bank Of Baroda 0.779 1.000 0.779 0.602 1.000 0.602 0.643 1.000 0.643
Bank Of India 0.928 1.000 0.928 0.743 1.000 0.743 0.726 1.000 0.726 Bank Of Maharashtra
0.591 0.707 0.836 0.459 0.810 0.566 0.490 0.668 0.733
Canara Bank 0.669 0.957 0.699 0.555 1.000 0.555 0.645 0.933 0.692 Central Bank Of India
0.617 0.790 0.782 0.525 1.000 0.525 0.503 1.000 0.503
Corporation Bank 0.767 0.807 0.950 0.687 0.995 0.690 0.782 1.000 0.782
Dena Bank 0.839 0.896 0.936 0.732 0.927 0.789 0.687 0.939 0.732
Indian Bank 0.776 0.834 0.930 0.588 0.757 0.776 0.518 0.748 0.693 Indian Overseas Bank
0.655 0.766 0.855 0.559 0.924 0.605 0.599 0.837 0.716
Oriental Bank Of Commerce
0.728 1.000 0.728 0.570 1.000 0.570 0.621 1.000 0.621
Punjab & Sind Bank 0.630 0.724 0.870 0.541 0.647 0.836 0.526 0.698 0.753 Punjab National Bank
0.688 1.000 0.688 0.578 0.796 0.726 0.541 0.789 0.686
Syndicate Bank 0.647 0.769 0.842 0.597 1.000 0.597 0.619 0.909 0.682
Uco Bank 0.636 0.685 0.928 0.510 0.664 0.769 0.503 0.724 0.694
Union Bank Of India 0.673 0.883 0.762 0.484 0.857 0.565 0.636 0.854 0.744 United Bank Of India
0.460 0.806 0.571 0.352 1.000 0.352 0.166 1.000 0.166
Vijaya Bank 0.546 0.625 0.874 0.487 0.808 0.602 0.540 0.720 0.749
State Bank of India 0.832 1.000 0.832 0.654 1.000 0.654 0.630 1.000 0.630
Axis Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Centurion Bank Of Punjab Ltd.
0.763 1.000 0.763 0.883 1.000 0.883 0.799 1.000 0.799
Development Credit Bank Ltd.
0.885 0.891 0.993 0.747 0.755 0.989 0.882 0.935 0.944
H D F C Bank Ltd. 0.645 0.645 0.999 0.668 0.671 0.996 0.643 0.701 0.917
I C I C I Bank Ltd. 0.732 0.734 0.996 1.000 1.000 1.000 0.596 0.799 0.746
Indusind Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Kotak Mahindra Bank Ltd.
294
Efficiency Calculations using DEAP 2.1 program for Model -2(Technical efficiency)
continued….
Model 2
BANK 2001 2002 2003
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.746 0.766 0.974 0.189 0.399 0.474 0.295 0.425 0.695
Andhra Bank 0.645 0.658 0.980 0.242 0.412 0.587 0.341 0.468 0.728
Bank Of Baroda 0.800 0.954 0.838 0.250 0.483 0.518 0.352 0.484 0.727
Bank Of India 0.971 1.000 0.971 0.289 0.580 0.498 0.436 0.613 0.710 Bank Of Maharashtra
0.611 0.628 0.973 0.200 0.362 0.551 0.291 0.360 0.808
Canara Bank 0.743 0.923 0.805 0.259 0.543 0.477 0.382 0.512 0.745 Central Bank Of India
0.668 1.000 0.668 0.490 1.000 0.490 0.563 0.923 0.610
Corporation Bank 0.847 0.981 0.864 0.360 0.517 0.695 0.440 0.476 0.925
Dena Bank 0.739 0.768 0.963 0.223 0.446 0.500 0.289 0.423 0.683
Indian Bank 0.674 0.696 0.969 0.185 0.429 0.433 0.263 0.391 0.673 Indian Overseas Bank
0.746 0.767 0.973 0.200 0.412 0.485 0.290 0.420 0.690
Oriental Bank Of Commerce
0.725 0.863 0.840 0.340 0.484 0.703 0.420 0.461 0.911
Punjab & Sind Bank
0.640 0.658 0.973 0.172 0.346 0.499 0.648 0.858 0.756
Punjab National Bank
0.777 0.807 0.963 0.226 0.475 0.475 0.325 0.484 0.671
Syndicate Bank 0.792 0.837 0.947 0.183 0.379 0.483 0.261 0.468 0.558
Uco Bank 0.723 0.749 0.965 0.184 0.463 0.397 0.289 0.446 0.648 Union Bank Of India
0.790 0.829 0.953 0.246 0.413 0.596 0.397 0.513 0.775
United Bank Of India
0.270 1.000 0.270 0.521 1.000 0.521 0.776 1.000 0.776
Vijaya Bank 0.704 0.724 0.972 0.176 0.328 0.537 0.241 0.380 0.634
State Bank of India 0.730 1.000 0.730 0.195 1.000 0.195 0.287 1.000 0.287
Axis Bank Ltd. 0.882 1.000 0.882 1.000 1.000 1.000 0.580 0.593 0.977 Centurion Bank Of Punjab Ltd.
0.791 0.940 0.842 0.539 0.731 0.737 0.465 0.819 0.567
Development Credit Bank Ltd.
0.979 0.984 0.995 0.558 0.570 0.979 0.546 0.624 0.874
H D F C Bank Ltd. 0.654 0.722 0.906 0.508 0.590 0.861 0.556 0.567 0.981
I C I C I Bank Ltd. 0.714 1.000 0.714 1.000 1.000 1.000 1.000 1.000 1.000
Indusind Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Kotak Mahindra Bank Ltd.
295
Efficiency Calculations using DEAP 2.1 program for Model -2(Technical efficiency)
continued….
Model 2
BANK 2004 2005 2006
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.587 0.613 0.957 0.569 0.578 0.985 0.656 0.668 0.981
Andhra Bank 0.638 0.680 0.938 0.727 0.731 0.995 0.709 0.720 0.985
Bank Of Baroda 0.558 0.564 0.989 0.574 0.597 0.961 0.690 0.718 0.961
Bank Of India 0.711 0.716 0.993 0.765 0.789 0.969 0.757 0.780 0.970 Bank Of Maharashtra
0.493 0.534 0.924 0.488 0.502 0.973 0.662 0.671 0.987
Canara Bank 0.623 0.626 0.995 0.676 0.699 0.967 0.745 0.766 0.974 Central Bank Of India
0.876 1.000 0.876 0.481 0.501 0.959 0.601 0.630 0.954
Corporation Bank 0.665 0.710 0.937 0.752 0.758 0.993 0.806 0.807 0.999
Dena Bank 0.645 0.697 0.926 0.579 0.598 0.969 0.654 0.656 0.997
Indian Bank 0.536 0.566 0.947 0.565 0.587 0.962 0.588 0.609 0.965 Indian Overseas Bank
0.543 0.565 0.962 0.612 0.636 0.963 0.738 0.767 0.962
Oriental Bank Of Commerce
0.613 0.638 0.960 0.591 0.600 0.985 0.744 0.746 0.997
Punjab & Sind Bank 0.895 0.945 0.946 0.508 0.509 0.997 0.568 0.573 0.992 Punjab National Bank
0.597 0.600 0.994 0.627 0.656 0.955 0.669 0.702 0.954
Syndicate Bank 0.539 0.559 0.963 0.618 0.644 0.959 0.724 0.759 0.954
Uco Bank 0.584 0.606 0.963 0.604 0.624 0.968 0.741 0.765 0.968
Union Bank Of India 0.647 0.660 0.979 0.707 0.726 0.974 0.794 0.808 0.983
United Bank Of India 1.000 1.000 1.000 1.000 1.000 1.000 0.560 0.580 0.965
Vijaya Bank 0.587 0.636 0.922 0.616 0.621 0.992 0.657 0.659 0.997
State Bank of India 0.551 1.000 0.551 0.609 1.000 0.609 0.727 1.000 0.727
Axis Bank Ltd. 0.674 0.678 0.993 0.648 0.656 0.988 0.688 0.777 0.885 Centurion Bank Of Punjab Ltd.
0.601 1.000 0.601 0.830 1.000 0.830 1.000 1.000 1.000
Development Credit Bank Ltd.
0.606 0.892 0.679 0.914 1.000 0.914 0.679 1.000 0.679
H D F C Bank Ltd. 0.722 0.726 0.994 0.788 0.816 0.965 0.703 0.706 0.995
I C I C I Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Indusind Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 0.813 1.000 0.813 Kotak Mahindra Bank Ltd.
0.522 0.816 0.640 1.000 1.000 1.000 1.000 1.000 1.000
296
Efficiency Calculations using DEAP 2.1 program for Model -2(Technical efficiency)
continued….
Model 2
BANK 2007 2008 2009
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.793 0.795 0.997 0.751 0.768 0.978 0.690 0.702 0.983
Andhra Bank 0.752 0.752 0.999 0.749 0.776 0.965 0.741 0.760 0.974
Bank Of Baroda 0.748 0.779 0.960 0.757 0.759 0.998 0.743 0.747 0.995
Bank Of India 0.795 0.830 0.958 0.817 0.818 0.999 0.751 0.752 1.000 Bank Of Maharashtra
0.752 0.759 0.991 0.757 0.785 0.964 0.653 0.676 0.966
Canara Bank 0.785 0.807 0.973 0.752 0.753 1.000 0.738 0.739 0.999 Central Bank Of India
0.694 0.719 0.965 0.715 0.718 0.995 0.650 0.657 0.990
Corporation Bank 0.819 0.844 0.971 0.844 0.852 0.990 0.936 1.000 0.936
Dena Bank 0.735 0.753 0.975 0.733 0.776 0.945 0.668 0.699 0.956
Indian Bank 0.660 0.691 0.956 0.701 0.703 0.998 0.699 0.699 0.999 Indian Overseas Bank
0.763 0.784 0.973 0.774 0.780 0.991 0.742 0.744 0.998
Oriental Bank Of Commerce
0.804 0.820 0.981 0.915 0.921 0.994 0.818 0.856 0.955
Punjab & Sind Bank 0.646 0.667 0.968 0.793 0.832 0.953 0.701 0.730 0.960 Punjab National Bank
0.750 0.806 0.930 0.772 0.776 0.995 0.730 0.736 0.991
Syndicate Bank 0.745 0.755 0.987 0.728 0.738 0.986 0.705 0.736 0.957
Uco Bank 0.812 0.830 0.979 0.745 0.753 0.988 0.683 0.689 0.991 Union Bank Of India
0.839 0.846 0.991 0.782 0.801 0.976 0.751 0.772 0.973
United Bank Of India
0.656 0.658 0.998 0.639 0.659 0.969 0.645 0.664 0.970
Vijaya Bank 0.736 0.759 0.970 0.721 0.784 0.920 0.648 0.670 0.967
State Bank of India 0.831 1.000 0.831 0.835 1.000 0.835 0.724 1.000 0.724
Axis Bank Ltd. 0.798 0.809 0.987 0.820 0.825 0.994 0.738 0.767 0.962 Centurion Bank Of Punjab Ltd.
0.952 0.973 0.979
Development Credit Bank Ltd.
0.870 1.000 0.870 0.794 1.000 0.794 0.691 1.000 0.691
H D F C Bank Ltd. 0.826 0.831 0.994 0.690 0.690 1.000 0.682 0.688 0.991
I C I C I Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Indusind Bank Ltd. 0.950 1.000 0.950 0.967 1.000 0.967 0.761 1.000 0.761 Kotak Mahindra Bank Ltd.
1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
297
Table A3
Efficiency Calculations using DEAP 2.1 program for Model -3 (X- efficiency)
Model 3
BANK 1995 1996 1997
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.899 0.899 1.000 0.968 0.971 0.996 0.940 0.946 0.993
Andhra Bank 0.896 1.000 0.896 1.000 1.000 1.000 0.868 0.910 0.953
Bank Of Baroda 1.000 1.000 1.000 0.934 0.975 0.958 0.945 0.962 0.982
Bank Of India 0.943 0.969 0.974 1.000 1.000 1.000 0.981 1.000 0.981 Bank Of Maharashtra
0.896 1.000 0.896 0.845 0.923 0.916 0.902 0.943 0.956
Canara Bank 0.997 1.000 0.997 0.996 1.000 0.996 0.934 0.989 0.944 Central Bank Of India
1.000 1.000 1.000 1.000 1.000 1.000 0.896 0.953 0.940
Corporation Bank 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Dena Bank 0.995 1.000 0.995 1.000 1.000 1.000 0.963 0.966 0.997
Indian Bank 1.000 1.000 1.000 0.677 0.679 0.996 1.000 1.000 1.000 Indian Overseas Bank
1.000 1.000 1.000 1.000 1.000 1.000
Oriental Bank Of Commerce
0.884 1.000 0.884 1.000 1.000 1.000 1.000 1.000 1.000
Punjab & Sind Bank 1.000 1.000 1.000 0.861 1.000 0.861 0.847 0.880 0.963 Punjab National Bank
0.962 1.000 0.962 0.985 1.000 0.985 0.994 1.000 0.994
Syndicate Bank 0.738 0.859 0.859 0.838 0.915 0.916 0.870 0.929 0.936
Uco Bank 0.919 1.000 0.919 0.914 1.000 0.914 0.773 0.812 0.953
Union Bank Of India 0.856 0.996 0.860 0.904 0.940 0.962 0.968 0.979 0.989
United Bank Of India 0.932 1.000 0.932 0.846 1.000 0.846 1.000 1.000 1.000
Vijaya Bank 0.866 0.979 0.885 0.884 1.000 0.884 1.000 1.000 1.000
State Bank of India 0.955 1.000 0.955 1.000 1.000 1.000 1.000 1.000 1.000
Axis Bank Ltd. 0.902 0.909 0.993 0.864 1.000 0.864 0.984 1.000 0.984 Development Credit Bank Ltd.
1.000 1.000 1.000 0.967 1.000 0.967
H D F C Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000
I C I C I Bank Ltd. 0.912 0.926 0.985 0.955 1.000 0.955 1.000 1.000 1.000
Indusind Bank Ltd. 0.969 0.969 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Kotak Mahindra Bank Ltd.
298
Efficiency Calculations using DEAP 2.1 program for Model -3 (X- efficiency)
continued…..
Model 3
BANK 1998 1999 2000
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.965 0.988 0.976 0.994 0.994 0.999 0.933 0.934 0.998
Andhra Bank 0.901 0.929 0.970 0.959 0.959 1.000 0.960 0.962 0.999
Bank Of Baroda 0.974 1.000 0.974 0.967 1.000 0.967 0.977 0.995 0.982
Bank Of India 0.980 1.000 0.980 0.960 0.969 0.991 0.938 0.940 0.998
Bank Of Maharashtra 0.939 1.000 0.939 1.000 1.000 1.000 0.997 1.000 0.997
Canara Bank 1.000 1.000 1.000 0.981 0.986 0.995 0.956 0.957 0.999
Central Bank Of India 0.885 0.945 0.936 0.892 0.949 0.939 1.000 1.000 1.000
Corporation Bank 1.000 1.000 1.000 0.996 1.000 0.996 1.000 1.000 1.000
Dena Bank 0.948 0.952 0.995 0.959 0.959 1.000 0.958 0.964 0.994
Indian Bank 0.962 0.963 0.999 0.747 0.770 0.969 0.846 0.863 0.981
Indian Overseas Bank 1.000 1.000 1.000 0.929 0.974 0.954 0.920 0.924 0.997
Oriental Bank Of Commerce
1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Punjab & Sind Bank 0.911 0.917 0.993 1.000 1.000 1.000 0.999 1.000 0.999
Punjab National Bank 0.990 0.996 0.994 1.000 1.000 1.000 0.969 0.978 0.991
Syndicate Bank 0.863 0.917 0.941 0.977 0.977 1.000 0.974 0.975 0.999
Uco Bank 1.000 1.000 1.000 1.000 1.000 1.000 0.983 1.000 0.983
Union Bank Of India 0.977 1.000 0.978 0.951 1.000 0.951 0.931 0.932 0.999
United Bank Of India 0.832 0.874 0.952 0.886 0.898 0.986 1.000 1.000 1.000
Vijaya Bank 0.855 0.878 0.974 0.878 0.901 0.975 0.937 0.945 0.991
State Bank of India 1.000 1.000 1.000 0.992 1.000 0.992 1.000 1.000 1.000
Axis Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Development Credit Bank Ltd.
0.970 1.000 0.970 0.957 1.000 0.957 0.959 1.000 0.959
H D F C Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
I C I C I Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Indusind Bank Ltd. 1.000 1.000 1.000 0.956 0.960 0.995 0.954 0.974 0.980
Kotak Mahindra Bank Ltd.
299
Efficiency Calculations using DEAP 2.1 program for Model -3 (X- efficiency)
continued…..
Model 3
BANK 2001 2002 2003
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.967 0.972 0.995 0.942 0.945 0.997 0.940 0.940 1.000
Andhra Bank 0.984 0.984 0.999 1.000 1.000 1.000 1.000 1.000 1.000
Bank Of Baroda 1.000 1.000 1.000 1.000 1.000 1.000 0.958 0.981 0.976
Bank Of India 0.959 0.968 0.991 0.989 1.000 0.989 0.989 1.000 0.989
Bank Of Maharashtra 1.000 1.000 1.000 0.980 1.000 0.980 0.951 0.951 1.000
Canara Bank 1.000 1.000 1.000 0.994 1.000 0.994 0.990 1.000 0.990
Central Bank Of India 0.890 0.949 0.938 1.000 1.000 1.000 1.000 1.000 1.000
Corporation Bank 0.995 1.000 0.995 1.000 1.000 1.000 1.000 1.000 1.000
Dena Bank 0.851 0.855 0.996 0.867 0.868 1.000 0.905 0.909 0.996
Indian Bank 0.908 0.912 0.995 0.947 0.987 0.960 0.991 0.992 0.998
Indian Overseas Bank 0.929 0.944 0.983 0.944 0.947 0.997 0.974 0.978 0.996
Oriental Bank Of Commerce
0.960 1.000 0.960 0.985 0.985 1.000 0.976 0.982 0.994
Punjab & Sind Bank 0.965 1.000 0.965 0.943 1.000 0.943 0.974 0.998 0.976
Punjab National Bank 0.976 1.000 0.976 0.950 1.000 0.950 0.996 1.000 0.996
Syndicate Bank 1.000 1.000 1.000 0.963 0.980 0.982 1.000 1.000 1.000
Uco Bank 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Union Bank Of India 0.973 0.974 1.000 0.975 0.977 0.998 0.970 0.981 0.989
United Bank Of India 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Vijaya Bank 0.926 0.927 0.999 0.950 0.951 0.999 0.963 0.970 0.993
State Bank of India 1.000 1.000 1.000 1.000 1.000 1.000 0.971 1.000 0.971
Axis Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Development Credit Bank Ltd.
0.956 1.000 0.956 0.923 1.000 0.923 1.000 1.000 1.000
H D F C Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
I C I C I Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Indusind Bank Ltd. 0.928 0.944 0.983 0.940 0.974 0.965 0.954 0.982 0.971
Kotak Mahindra Bank Ltd.
300
Efficiency Calculations using DEAP 2.1 program for Model -3 (X- efficiency)
continued…..
Model 3
BANK 2004 2005 2006
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.978 0.978 1.000 0.979 0.984 0.994 1.000 1.000 1.000
Andhra Bank 0.985 0.985 1.000 1.000 1.000 1.000 0.996 1.000 0.996
Bank Of Baroda 1.000 1.000 1.000 0.913 0.936 0.975 0.934 0.948 0.984
Bank Of India 0.968 0.987 0.980 0.881 0.890 0.990 0.974 0.977 0.997 Bank Of Maharashtra
0.909 0.971 0.937 0.887 0.893 0.993
Canara Bank 0.972 1.000 0.972 0.953 0.968 0.984 0.969 1.000 0.969 Central Bank Of India
0.966 0.980 0.986 0.918 0.921 0.997 0.887 0.891 0.996
Corporation Bank 0.991 1.000 0.991 0.963 0.965 0.998 0.979 0.984 0.995
Dena Bank 0.909 0.909 1.000 0.868 0.885 0.981 0.913 0.916 0.997
Indian Bank 1.000 1.000 1.000 0.998 0.998 0.999 0.997 0.998 0.999 Indian Overseas Bank
0.950 0.953 0.997 0.974 0.974 1.000 0.994 0.998 0.997
Oriental Bank Of Commerce
0.999 1.000 0.999 1.000 1.000 1.000 0.984 0.989 0.995
Punjab & Sind Bank 0.887 0.963 0.920 1.000 1.000 1.000 1.000 1.000 1.000 Punjab National Bank
0.962 1.000 0.962 1.000 1.000 1.000 0.965 0.997 0.968
Syndicate Bank 0.969 0.973 0.997 0.928 0.930 0.998 0.981 0.982 0.999
Uco Bank 0.924 0.980 0.942 0.913 0.915 0.998 0.929 0.930 0.999 Union Bank Of India
0.950 1.000 0.950 0.963 0.966 0.998 1.000 1.000 1.000
United Bank Of India
1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Vijaya Bank 0.995 0.995 1.000 0.978 0.987 0.991 0.894 0.904 0.989
State Bank of India 0.968 1.000 0.968 0.991 1.000 0.991 0.989 1.000 0.989
Axis Bank Ltd. 0.998 0.998 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Development Credit Bank Ltd.
0.931 1.000 0.931 0.680 1.000 0.680
H D F C Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
I C I C I Bank Ltd. 1.000 1.000 1.000 0.974 1.000 0.974 0.990 1.000 0.990
Indusind Bank Ltd. 1.000 1.000 1.000 0.979 1.000 0.979 0.974 1.000 0.974 Kotak Mahindra Bank Ltd.
1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
301
Efficiency Calculations using DEAP 2.1 program for Model -3 (X- efficiency)
continued…..
Model 3
BANK 2007 2008 2009
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 1.000 1.000 1.000 0.932 0.978 0.953 0.927 0.935 0.991
Andhra Bank 0.971 0.978 0.992 0.941 0.941 0.999 0.958 0.968 0.990
Bank Of Baroda 0.943 0.966 0.977 0.901 0.950 0.948 0.975 0.977 0.998
Bank Of India 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Bank Of Maharashtra
0.930 0.940 0.990 0.872 0.874 0.999 0.921 0.939 0.980
Canara Bank 0.967 1.000 0.967 0.909 1.000 0.909 0.979 1.000 0.979
Central Bank Of India 0.937 0.937 1.000 0.970 0.974 0.996 1.000 1.000 1.000
Corporation Bank 0.980 0.990 0.990 0.951 0.952 0.999 0.987 0.989 0.997
Dena Bank 0.949 0.951 0.998 0.917 0.921 0.995 0.944 0.979 0.964
Indian Bank 1.000 1.000 1.000 0.897 0.899 0.998 1.000 1.000 1.000
Indian Overseas Bank 1.000 1.000 1.000 1.000 1.000 1.000 0.966 0.969 0.997 Oriental Bank Of Commerce
0.952 0.955 0.997 0.855 0.895 0.956 1.000 1.000 1.000
Punjab & Sind Bank 1.000 1.000 1.000 0.982 0.991 0.991 1.000 1.000 1.000 Punjab National Bank
0.969 0.995 0.973 0.919 0.970 0.948 0.980 0.994 0.986
Syndicate Bank 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Uco Bank 0.925 0.925 1.000 0.886 0.904 0.980 0.956 0.959 0.996
Union Bank Of India 1.000 1.000 1.000 0.929 0.965 0.963 0.993 0.998 0.995
United Bank Of India 1.000 1.000 1.000 0.966 0.985 0.981 0.886 0.959 0.924
Vijaya Bank 0.956 0.965 0.991 1.000 1.000 1.000 0.920 0.930 0.988
State Bank of India 0.985 1.000 0.985 0.990 1.000 0.990 1.000 1.000 1.000
Axis Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Development Credit Bank Ltd.
0.881 1.000 0.881 0.954 1.000 0.954 0.815 1.000 0.815
H D F C Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
I C I C I Bank Ltd. 0.981 1.000 0.981 0.910 1.000 0.910 0.937 0.965 0.972
Indusind Bank Ltd. 1.000 1.000 1.000 0.977 1.000 0.977 0.916 1.000 0.916
Kotak Mahindra Bank Ltd.
1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
302
Table A4
Efficiency Calculations using DEAP 2.1 program for Model -4(profit Efficiency)
Model 4
BANK 1995 1996 1997
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.887 0.888 0.999 0.982 0.982 1.000 0.940 0.946 0.993
Andhra Bank 0.852 1.000 0.852 1.000 1.000 1.000 0.868 0.910 0.953
Bank Of Baroda 1.000 1.000 1.000 0.933 0.963 0.968 0.945 0.962 0.982
Bank Of India 0.932 0.960 0.970 1.000 1.000 1.000 0.981 1.000 0.981 Bank Of Maharashtra
0.907 1.000 0.907 0.851 0.929 0.916 0.902 0.943 0.956
Canara Bank 0.989 0.998 0.991 0.985 0.985 1.000 0.934 0.989 0.944 Central Bank Of India
1.000 1.000 1.000 1.000 1.000 1.000 0.896 0.953 0.940
Corporation Bank 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Dena Bank 0.976 1.000 0.976 1.000 1.000 1.000 0.963 0.966 0.997
Indian Bank 1.000 1.000 1.000 0.677 0.682 0.993 Indian Overseas Bank
1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Oriental Bank Of Commerce
0.890 1.000 0.890 1.000 1.000 1.000 1.000 1.000 1.000
Punjab & Sind Bank 1.000 1.000 1.000 0.849 1.000 0.849 0.847 0.880 0.963 Punjab National Bank
0.975 1.000 0.975 0.985 1.000 0.985 0.994 1.000 0.994
Syndicate Bank 0.719 0.844 0.852 0.833 0.906 0.919 0.870 0.929 0.936
Uco Bank 0.924 1.000 0.924 0.902 1.000 0.902 0.773 0.812 0.953
Union Bank Of India 0.853 0.991 0.861 0.912 0.937 0.973 0.968 0.979 0.989
United Bank Of India 0.932 1.000 0.932 0.831 1.000 0.831 1.000 1.000 1.000
Vijaya Bank 0.866 0.972 0.890 0.877 1.000 0.877 1.000 1.000 1.000
State Bank of India 0.978 1.000 0.978 1.000 1.000 1.000 1.000 1.000 1.000
Axis Bank Ltd. 0.876 0.883 0.992 0.882 1.000 0.882 0.984 1.000 0.984 Development Credit Bank Ltd.
1.000 1.000 1.000 0.967 1.000 0.967
H D F C Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000
I C I C I Bank Ltd. 0.914 0.926 0.987 0.961 1.000 0.961 1.000 1.000 1.000
Indusind Bank Ltd. 0.945 0.946 0.999 1.000 1.000 1.000 1.000 1.000 1.000 Kotak Mahindra Bank Ltd.
303
Efficiency Calculations using DEAP 2.1 program for Model -4(profit Efficiency)
continued….
Model 4
BANK 1998 1999 2000
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.954 0.975 0.979 0.985 0.986 0.999 0.927 0.927 0.999
Andhra Bank 0.850 0.886 0.960 0.914 0.918 0.996 0.933 0.935 0.999
Bank Of Baroda 0.935 0.978 0.956 0.948 0.974 0.973 0.962 0.978 0.984
Bank Of India 0.987 1.000 0.987 0.904 0.923 0.980 0.908 0.909 0.999 Bank Of Maharashtra
0.861 0.937 0.919 1.000 1.000 1.000 0.992 1.000 0.992
Canara Bank 1.000 1.000 1.000 0.956 0.960 0.996 0.923 0.923 1.000 Central Bank Of India
0.890 0.972 0.916 0.873 0.944 0.925 1.000 1.000 1.000
Corporation Bank 1.000 1.000 1.000 0.979 1.000 0.979 0.985 0.987 0.998
Dena Bank 0.956 0.959 0.997 0.941 0.942 1.000 0.912 0.916 0.996
Indian Bank 0.953 0.955 0.998 0.731 0.758 0.964 0.823 0.846 0.973 Indian Overseas Bank
1.000 1.000 1.000 0.929 0.970 0.958 0.918 0.920 0.998
Oriental Bank Of Commerce
1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Punjab & Sind Bank 0.882 0.888 0.992 1.000 1.000 1.000 0.985 1.000 0.985 Punjab National Bank
0.947 0.955 0.992 1.000 1.000 1.000 0.961 0.969 0.992
Syndicate Bank 0.840 0.917 0.917 0.940 0.943 0.997 0.949 0.949 1.000
Uco Bank 1.000 1.000 1.000 1.000 1.000 1.000 0.954 1.000 0.954 Union Bank Of India
0.963 0.993 0.970 0.948 0.996 0.952 0.925 0.925 1.000
United Bank Of India
0.814 0.875 0.931 0.850 0.867 0.981 1.000 1.000 1.000
Vijaya Bank 0.827 0.857 0.965 0.864 0.889 0.972 0.910 0.918 0.991
State Bank of India 1.000 1.000 1.000 0.999 1.000 0.999 1.000 1.000 1.000
Axis Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Development Credit Bank Ltd.
0.966 1.000 0.966 0.952 1.000 0.952 0.963 1.000 0.963
H D F C Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
I C I C I Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Indusind Bank Ltd. 1.000 1.000 1.000 0.937 0.940 0.997 0.933 0.950 0.982 Kotak Mahindra Bank Ltd.
304
Efficiency Calculations using DEAP 2.1 program for Model -4(profit Efficiency)
continued….
Model 4
BANK 2001 2002 2003
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.976 0.982 0.994 0.949 0.952 0.997 0.925 0.926 1.000
Andhra Bank 0.967 0.967 1.000 1.000 1.000 1.000 0.975 0.981 0.994
Bank Of Baroda 0.990 0.991 0.999 0.999 1.000 0.999 0.950 0.994 0.957
Bank Of India 0.929 0.937 0.991 0.969 0.999 0.970 0.975 0.997 0.978 Bank Of Maharashtra
1.000 1.000 1.000 0.974 1.000 0.974 0.938 0.944 0.994
Canara Bank 0.977 0.979 0.999 0.965 0.982 0.983 0.966 1.000 0.966 Central Bank Of India
0.894 0.954 0.937 1.000 1.000 1.000 1.000 1.000 1.000
Corporation Bank 0.974 1.000 0.974 1.000 1.000 1.000 0.989 0.994 0.995
Dena Bank 0.838 0.842 0.995 0.848 0.849 0.999 0.880 0.885 0.995
Indian Bank 0.885 0.888 0.996 0.920 0.967 0.951 0.986 0.989 0.998 Indian Overseas Bank
0.921 0.947 0.973 0.940 0.946 0.994 0.976 1.000 0.977
Oriental Bank Of Commerce
0.951 1.000 0.951 0.978 0.979 1.000 0.980 0.999 0.981
Punjab & Sind Bank
0.959 1.000 0.959 0.938 1.000 0.938 0.952 0.977 0.974
Punjab National Bank
0.976 1.000 0.976 0.950 1.000 0.950 0.999 1.000 0.999
Syndicate Bank 0.986 0.991 0.995 0.938 0.959 0.979 0.999 0.999 1.000
Uco Bank 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Union Bank Of India
0.967 0.967 0.999 0.967 0.967 1.000 0.962 0.988 0.974
United Bank Of India
1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Vijaya Bank 0.904 0.907 0.997 0.931 0.932 0.999 0.951 0.958 0.992 State Bank of India
1.000 1.000 1.000 1.000 1.000 1.000 0.963 1.000 0.963
Axis Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Development Credit Bank Ltd.
0.950 1.000 0.950 0.928 1.000 0.928 1.000 1.000 1.000
H D F C Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
I C I C I Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Indusind Bank Ltd. 0.907 0.926 0.980 0.929 0.964 0.964 0.952 0.987 0.964 Kotak Mahindra Bank Ltd.
1.000 1.000 1.000
305
Efficiency Calculations using DEAP 2.1 program for Model -4(profit Efficiency)
continued….
Model 4
BANK 2004 2005 2006
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 0.958 0.959 0.999 0.993 0.998 0.995 1.000 1.000 1.000
Andhra Bank 0.955 0.958 0.997 0.945 0.955 0.990 0.970 0.980 0.989
Bank Of Baroda 1.000 1.000 1.000 0.899 0.936 0.961 0.873 0.883 0.989
Bank Of India 0.954 0.983 0.970 0.865 0.880 0.983 0.950 0.956 0.993 Bank Of Maharashtra
0.929 0.974 0.953 0.873 0.881 0.990
Canara Bank 0.956 1.000 0.956 0.913 0.941 0.970 0.936 0.965 0.970 Central Bank Of India
0.986 0.993 0.993 0.954 0.958 0.996 0.853 0.860 0.992
Corporation Bank 0.991 0.994 0.997 0.914 0.918 0.996 0.927 0.936 0.991
Dena Bank 0.895 0.904 0.990 0.829 0.858 0.966 0.825 0.834 0.989
Indian Bank 1.000 1.000 1.000 0.992 0.997 0.996 0.926 0.929 0.997 Indian Overseas Bank
0.957 0.958 0.999 0.979 0.980 0.999 1.000 1.000 1.000
Oriental Bank Of Commerce
1.000 1.000 1.000 1.000 1.000 1.000 0.994 1.000 0.994
Punjab & Sind Bank
0.898 0.969 0.926 1.000 1.000 1.000 1.000 1.000 1.000
Punjab National Bank
0.963 1.000 0.963 1.000 1.000 1.000 0.939 0.970 0.969
Syndicate Bank 0.940 0.942 0.998 0.916 0.920 0.996 0.940 0.941 0.999
Uco Bank 0.926 0.971 0.953 0.901 0.902 0.998 0.929 0.930 0.999 Union Bank Of India
0.970 1.000 0.970 0.942 0.942 1.000 1.000 1.000 1.000
United Bank Of India
1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
Vijaya Bank 0.961 0.970 0.991 0.938 0.957 0.980 0.861 0.877 0.982 State Bank of India
0.980 1.000 0.980 1.000 1.000 1.000 0.975 1.000 0.975
Axis Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Development Credit Bank Ltd.
0.935 1.000 0.935 0.665 1.000 0.665
H D F C Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
I C I C I Bank Ltd. 1.000 1.000 1.000 0.937 1.000 0.937 0.975 1.000 0.975
Indusind Bank Ltd. 1.000 1.000 1.000 0.898 1.000 0.898 0.951 1.000 0.951 Kotak Mahindra Bank Ltd.
1.000 1.000 1.000 1.000 1.000 1.000 0.985 1.000 0.985
306
Efficiency Calculations using DEAP 2.1 program for Model -4(profit Efficiency)
continued….
Model 4
BANK 2007 2008 2009
crste vrste scale crste vrste scale crste vrste scale
Allahabad Bank 1.000 1.000 1.000 0.979 1.000 0.979 0.952 0.966 0.985
Andhra Bank 0.929 0.941 0.988 0.924 0.932 0.992 0.937 0.957 0.979
Bank Of Baroda 0.920 0.932 0.987 0.886 0.932 0.950 0.961 0.962 0.999
Bank Of India 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Bank Of Maharashtra
0.902 0.917 0.983 0.888 0.898 0.990 0.934 0.966 0.967
Canara Bank 0.932 0.989 0.943 0.902 1.000 0.902 0.952 1.000 0.952 Central Bank Of India
0.930 0.932 0.999 0.969 0.973 0.996 1.000 1.000 1.000
Corporation Bank 0.940 0.951 0.988 0.931 0.935 0.995 0.979 0.981 0.998
Dena Bank 0.864 0.889 0.972 0.847 0.860 0.984 0.905 0.951 0.952
Indian Bank 0.913 0.919 0.993 0.827 0.827 0.999 0.950 0.966 0.984 Indian Overseas Bank
1.000 1.000 1.000 1.000 1.000 1.000 0.964 0.970 0.994
Oriental Bank Of Commerce
0.912 0.912 1.000 0.867 0.888 0.977 1.000 1.000 1.000
Punjab & Sind Bank
0.956 1.000 0.956 0.916 0.938 0.977 1.000 1.000 1.000
Punjab National Bank
0.970 0.987 0.983 0.934 0.975 0.958 0.988 0.992 0.996
Syndicate Bank 1.000 1.000 1.000 1.000 1.000 1.000 0.991 1.000 0.991
Uco Bank 0.901 0.903 0.998 0.878 0.888 0.989 0.927 0.937 0.990 Union Bank Of India
1.000 1.000 1.000 0.933 0.958 0.973 0.983 0.986 0.997
United Bank Of India
1.000 1.000 1.000 0.939 0.984 0.955 0.877 0.954 0.919
Vijaya Bank 0.899 0.914 0.984 1.000 1.000 1.000 0.893 0.915 0.976
State Bank of India 0.986 1.000 0.986 1.000 1.000 1.000 1.000 1.000 1.000
Axis Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 Development Credit Bank Ltd.
0.828 1.000 0.828 0.915 1.000 0.915 0.798 1.000 0.798
H D F C Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
I C I C I Bank Ltd. 0.987 1.000 0.987 0.941 1.000 0.941 0.948 0.961 0.986
Indusind Bank Ltd. 0.989 1.000 0.989 1.000 1.000 1.000 0.927 1.000 0.927 Kotak Mahindra Bank Ltd.
1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000
307
Appendix-B
308
QUESTIONNAIRE ON THE CUSTOMER PERCEPTION OF SERVICE QUALITY IN THE
FACE OF COMMERCIAL BANK MERGERS AND ACQUISITIONS IN INDIA
Based on your experiences as a customer of a bank, please indicate how strongly you agree or
disagree with each of the following items by using the following scale. 1 = strongly disagree; 2= Disagree; 3 = Neither agree or disagree; 4= Agree; 5= Strongly agree
(Either encircle or tick your choice)
If you have no knowledge of bank mergers and acquisitions (referred to as mergers in the questionnaire) please do not fill out the questionnaire! Mergers improve dependability of bank service(say,
improvement in after –sales service) (X133) 1 2 3 4 5
It results in increase in number of services provided (X233) 1 2 3 4 5
It increases the range of products available (X333)
1 2 3 4 5
It results in larger loan limits (X433) 1 2 3 4 5
After merger better accessibility to conventional banking
services(not online) is possible (X533)
1 2 3 4 5
Online banking does not improves after merger (X633) 1 2 3 4 5
Service time is not reduced after merger (X733) 1 2 3 4 5
Safety of deposits increases after merger (X833)
1 2 3 4 5
Bank mergers result in less competitive interest rates (X933)
1 2 3 4 5
Mergers generally do not result in fee reduction for different
services (X1033) 1 2 3 4 5
Goodwill of the bank is not enhanced after merger (X1133) 1 2 3 4 5
Post merger, banks get quickly technologically advanced
(X1233) 1 2 3 4 5
More number of ATMs after merger help in improving
customer service. (X1333) 1 2 3 4 5
Customer relationship management does not get better after
merger (X1433) 1 2 3 4 5
Mergers result in change of staff which gives an impersonal
feel (X1533) 1 2 3 4 5
Mergers results in big players and reduces competition
(X1633) 1 2 3 4 5
I don’t like cross selling (ex: banks selling insurance
products) undertaken by the merged bank (X1733) 1 2 3 4 5
Merged banks provide innovative products and redefine the
way banks interact with customers. (X1833) 1
2 3 4 5
309
Communication about merger to the customers in general is
not very important (X1933) 1 2 3 4 5
I prefer to switch to some other bank if my bank gets merged (X2033)
1 2 3 4 5
Please provide the following information:
1) Name ……………………………………….
2) Email ID:
3) Gender:
Male Female
4) Age:
(i) 18-29 (ii) 30-44 (iii) 45-64 (iv) 65 and older
5) How long have you been a customer of the bank?
(i) Less than 2 years (ii) 2 to 5 years (iii) 5 to 10 years (iv) More than 10 years
6) Frequency of bank transactions( in a month):
(i) Once (ii) Twice (iii) 3 to 5 times (iv) More than 5 times
7) Qualification/Education:
(i) +2 (ii) Graduate (iii) Post graduate (iv) Professional degree holder
8) Yearly income:
(i) less than 1.5 lakh (ii) 1.5 to 2.5 lakh (iii) 2.5 to 5 lakh (iv) More than 5 lakh
9) Have you ever experienced effects of merger or acquisition with your bank?
(i) Yes (ii) No
How will the bank service be affected after merger?
(i) Get better (ii) Remain about the same (iii) Get worse (iv) Don’t know
Which of the following do you think is apt? (i) PSU Banks should merge with private sector banks
(ii) PSU Banks should merge with PSU banks
(iii) Private sector Banks should merge with private sector banks
(iv) Merger should not take place at all (Banks should grow only on their own-Organic
growth)
Signature: Date: Name of your bank: Bank Branch: Bank branch before merger, if any:
Thank you for your time!
310
Appendix – C
311
Table C1: X133 * Gender
Value of Chi - square = 14.353, at 2 d.f., p=0.001
Table C2: X133 * Age (in Years) Cross tabulation
Age (in Years)
Total 18-29 30-44 45 and more
X133 LOW Count 27.0 4.0 9.0 40.0
% within Age (in Years) 13.3% 9.5% 25.7% 14.3%
% of Total 9.6% 1.4% 3.2% 14.3%
MEDIUM Count 36.0 12.0 8.0 56.0
% within Age (in Years) 17.7% 28.6% 22.9% 20.0%
% of Total 12.9% 4.3% 2.9% 20.0%
HIGH Count 140.0 26.0 18.0 184.0
% within Age (in Years) 69.0% 61.9% 51.4% 65.7%
% of Total 50.0% 9.3% 6.4% 65.7%
Total
Count 203.0 42.0 35.0 280.0
% within Age (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 72.5% 15.0% 12.5% 100.0%
Value of Chi - square = 7.72, at 4 d.f., p=0.102
312
Table C3 X133 * Educational(Edl) Qualification
Edl Qualification
Total Graduat
e
Post Graduat
e Professiona
l
X133 LOW Count 6.0 16.0 18.0 40.0
% within Edl Qualification 13.6% 10.3% 22.5% 14.3%
% of Total 2.1% 5.7% 6.4% 14.3%
MEDIUM Count 8.0 32.0 16.0 56.0
% within Edl Qualification 18.2% 20.5% 20.0% 20.0%
% of Total 2.9% 11.4% 5.7% 20.0%
HIGH Count 30.0 108.0 46.0 184.0
% within Edl Qualification 68.2% 69.2% 57.5% 65.7%
% of Total 10.7% 38.6% 16.4% 65.7%
Total
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0%
100.0%
% of Total 15.7% 55.7% 28.6% 100.0
%
Value of chi - square = 6.81, at 4 d.f., p=0.146
313
Table C4:X133 * yearly Income(Rs in lakhs)
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0
lakhs
More than 5 lakhs
X133 LOW Count 6 16 8 10 40
% within yearly Income(Rs in lakhs) 8.1% 36.4% 8.7% 14.3% 14.3%
% of Total 2.1% 5.7% 2.9% 3.6% 14.3%
MEDIUM Count 12 8 20 16 56
% within yearly Income(Rs in lakhs) 16.2% 18.2% 21.7% 22.9% 20.0%
% of Total 4.3% 2.9% 7.1% 5.7% 20.0%
HIGH Count 56 20 64 44 184
% within yearly Income(Rs in lakhs) 75.7% 45.5% 69.6% 62.9% 65.7%
% of Total 20.0% 7.1% 22.9% 15.7% 65.7%
Total
Count 74 44 92 70 280
% within yearly Income(Rs in lakhs) 100.0%
100.0% 100.0% 100.0%
100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0
%
Value of chi - square = 24.190, at 6 d.f., p=0.000
314
Table C5: X133 * Length of Association (in yrs)
Value of Chi - square = 29.154, at 6 d.f., p=0.000
Table C6:X133 * Frequency of transaction(monthly)
Frequency of transaction(monthly)
Total 1-2
times 3-5
times >5
times
X133 LOW Count 10.0 10.0 20.0 40.0
% within Frequency of Transaction (monthly) 19.2% 10.6% 14.9% 14.3%
% of Total 3.6% 3.6% 7.1% 14.3%
MEDIUM Count 4.0 18.0 34.0 56.0
% within Frequency of Transaction (monthly) 7.7% 19.1% 25.4% 20.0%
% of Total 1.4% 6.4% 12.1% 20.0%
HIGH Count 38.0 66.0 80.0 184.0
% within Frequency of Transaction (monthly) 73.1% 70.2% 59.7% 65.7%
% of Total 13.6% 23.6% 28.6% 65.7%
Total
Count 52.0 94.0 134.0 280.0
% within Frequency of Transaction (monthly)
100.0% 100.0% 100.0% 100.0%
% of Total 18.6% 33.6% 47.9% 100.0%
Value of chi - square = 9.17, at 4 d.f., p=0.057
315
Table C7: X233 * Gender
Value of Chi - square = 2.645, at 2 d.f., p=0.266
Table C8:X233 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X233 LOW Count 8.0 4.0 4.0 16.0
% within Age (in Years) 15.4% 4.3% 3.0% 5.7%
% of Total 2.9% 1.4% 1.4% 5.7%
MEDIUM Count 6.0 8.0 12.0 26.0
% within Age (in Years) 11.5% 8.5% 9.0% 9.3%
% of Total 2.1% 2.9% 4.3% 9.3%
HIGH Count 38.0 82.0 118.0 238.0
% within Age (in Years) 73.1% 87.2% 88.1% 85.0%
% of Total 13.6% 29.3% 42.1% 85.0%
Total
Count 52.0 94.0 134.0 280.0
% within Age (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 18.6% 33.6% 47.9% 100.0%
Value of chi - square = 12.0, at 4 d.f., p=0.017
X233 * Educational (Edl) Qualification
No x2 test
316
Table C9: X233 * Yearly Income(Rs in lakhs)
Yearly Income(Rs in lakhs)
Total < 2.5 2.5 - 5.0 >5
X233 LOW Count 4.0 6.0 6.0 16.0
% within Yearly Income(Rs in lakhs) 3.4% 6.5% 8.6% 5.7%
% of Total 1.4% 2.1% 2.1% 5.7%
MEDIUM Count 14.0 10.0 2.0 26.0
% within Yearly Income(Rs in lakhs) 11.9% 10.9% 2.9% 9.3%
% of Total 5.0% 3.6% 0.7% 9.3%
HIGH Count 100.0 76.0 62.0 238.0
% within Yearly Income(Rs in lakhs) 84.7% 82.6% 88.6% 85.0%
% of Total 25.0% 19.0% 15.5% 59.5%
Total
Count 118.0 92.0 70.0 280.0
% within Yearly Income(Rs in lakhs)
100.0%
100.0%
100.0%
100.0%
% of Total 42.1% 32.9% 25.0% 100.0
%
Value of chi - square = 6.60, at 4 d.f., p=0.159
317
Table C10:X233 * Length of Association(in yrs)
Length of Association(in yrs)
Total Up to 5 6-10 > 10
X233 LOW Count 12.0 2.0 4.0 18.0
% within Length of Association(in yrs) 8.6% 2.4% 7.1% 6.4%
% of Total 4.3% 0.7% 1.4% 6.4%
MEDIUM Count 12.0 4.0 10.0 26.0
% within Length of Association(in yrs)) 8.6% 4.8% 17.9% 9.3%
% of Total 4.3% 1.4% 3.6% 9.3%
HIGH Count 116.0 78.0 42.0 236.0
% within Length of Association(in yrs) 82.9% 92.9% 75.0% 84.3%
% of Total 41.4% 27.9% 15.0% 84.3%
Total
Count 140.0 84.0 56.0 280.0
% within Length of Association(in yrs) 100.0% 100.0% 100.0% 100.0%
% of Total 50.0% 30.0% 20.0% 100.0%
Value of chi - square = 10.9, at 4 d.f., p=0.028
Table C11:X233 * Frequency of transaction(monthly)
Frequency of transaction(monthly) Total 1-2 times 3-4 times >5 times
X1933 LOW Count 8.0 4.0 4.0 16.0
% within Frequency of transaction(in Years) 15.4% 4.3% 3.0% 5.7%
% of Total 6.0% 3.0% 3.0% 11.9% MEDIUM Count 6.0 8.0 12.0 26.0
% within Frequency of transaction (in Years) 11.5% 8.5% 9.0% 9.3%
% of Total 4.5% 6.0% 9.0% 19.4% HIGH Count 38.0 82.0 118.0 238.0
% within Frequency of transaction (in Years) 73.1% 87.2% 88.1% 85.0%
% of Total 28.4% 61.2% 88.1% 177.6% Total
Count 52.0 94.0 134.0 280.0
% within Frequency of transaction (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 38.8% 70.1% 100.0% 209.0% Value of chi - square = 12.01, at 4 d.f., p=0.017
318
Table C12: X333 * Gender
Value of Chi - square = 4.249, at 6 d.f., p=0.119
X333 * Age (in Years)
No X2 test has been done.
X333 *Educational ( Edl) Qualification
No X2 test.
319
ble C13:X333 * Yearly Income(Rs in lacs)
Yearly Income(Rs in lakhs)
Total Up to 2.5 2.5 - 5.0 >5
X333 LOW Count 2.0 6.0 8.0 16.0
% within Yearly Income(Rs. in lakhs) 1.7% 6.5% 11.4% 5.7%
% of Total 0.7% 2.1% 2.9% 5.7%
MEDIUM Count 18.0 14.0 8.0 40.0
% within Yearly Income(Rs. in lakhs) 15.3% 15.2% 11.4% 14.3%
% of Total 6.4% 5.0% 2.9% 14.3%
HIGH Count 98.0 72.0 54.0 224.0
% within Yearly Income(Rs. in lakhs) 83.1% 78.3% 77.1% 80.0%
% of Total 35.0% 25.7% 19.3% 80.0%
Total
Count 118.0 92.0 70.0 280.0
% within Yearly Income(Rs. in lakhs) 100.0% 100.0% 100.0% 100.0%
% of Total 42.1% 32.9% 25.0% 100.0%
Value of chi - square = 8.22, at 4 d.f., p=0.084
X333 * Length of Association (in yrs)
No X2 test has been done
320
Table C14:X333 * Frequency of transaction(monthly)
Frequency of transaction(monthly)
Total 1-2 times 3-5
times >5 times
LOW Count 4.0 4.0 6.0 14.0
% within Frequency of transaction(monthly) 7.7% 4.3% 4.5% 5.0%
% of Total 3.0% 3.0% 4.5% 10.4%
MEDIUM Count 14.0 16.0 10.0 40.0
% within Frequency of transaction(monthly) 26.9% 17.0% 7.5% 14.3%
% of Total 10.4% 11.9% 7.5% 29.9%
HIGH Count 34.0 74.0 118.0 226.0
% within Frequency of transaction(monthly) 65.4% 78.7% 88.1% 80.7%
% of Total 25.4% 55.2% 88.1% 168.7%
Total
Count 52.0 94.0 134.0 280.0
% within Frequency of transaction(monthly) 100.0% 100.0% 100.0% 100.0%
% of Total 38.8% 70.1% 100.0% 209.0%
Value of chi - square = 14.1, at 4 d.f., p=0.007
Table C15: X433 * Gender
Value of Chi - square = 4.036, at 2 d.f., p=0.133
321
Table C16:X433 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X433 LOW Count 72.0 12.0 12.0 96.0
% within Age (in Years) 34.6% 28.6% 40.0% 34.3%
% of Total 25.7% 4.3% 4.3% 34.3%
MEDIUM Count 60.0 8.0 10.0 78.0
% within Age (in Years) 28.8% 19.0% 33.3% 27.9%
% of Total 21.4% 2.9% 3.6% 27.9%
HIGH Count 76.0 22.0 8.0 106.0
% within Age (in Years) 36.5% 52.4% 26.7% 37.9%
% of Total 27.1% 7.9% 2.9% 37.9%
Total
Count 208.0 42.0 30.0 280.0
% within Age (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 74.3% 15.0% 10.7% 100.0%
Value of chi - square = 5.69, at 4 d.f., p=0.224
Table C17: X433 *Educational ( Edl) Qualification
Edl Qualification
Total Graduate Post Graduate Professional
X433 LOW Count 26.0 48.0 22.0 96.0
% within Edl Qualification 59.1% 30.8% 27.5% 34.3%
% of Total 9.3% 17.1% 7.9% 34.3%
MEDIUM Count 8.0 44.0 26.0 78.0
% within Edl Qualification 18.2% 28.2% 32.5% 27.9%
% of Total 2.9% 15.7% 9.3% 27.9%
HIGH Count 10.0 64.0 32.0 106.0
% within Edl Qualification 22.7% 41.0% 40.0% 37.9%
% of Total 3.6% 22.9% 11.4% 37.9%
Totall
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0% 100.0%
% of Total 15.7% 55.7% 28.6% 100.0%
Value of chi - square = 14.8, at 4 d.f., p=0.005
322
Table C18: X433 * Yearly Income (Rs in lakhs)
Value of Chi - square = 16.519, at 6 d.f., p=0.011
Table C19: X433 * Length of Association (in yrs)
Value of Chi - square = 14.158, at 6 d.f., p=0.028
323
Table C20: X433 * Frequency of transaction (monthly)
Value of Chi - square = 9.831, at 6 d.f., p=0.132
Table C21:X533 * Gender
Value of Chi - square = 14.078, at 2 d.f., p=0.001
X533 * Age (in Years)
NO X2 has been done
324
Table C22: X533 * Educational (Edl) Qualification
Edl Qualification
Total Graduate Post
Graduate Professional
X533 LOW Count 2.0 12.0 12.0 26.0
% within Edl Qualification 4.5% 7.7% 15.0% 9.3%
% of Total 0.7% 4.3% 4.3% 9.3%
MEDIUM Count 24.0 36.0 20.0 80.0
% within Edl Qualification 54.5% 23.1% 25.0% 28.6%
% of Total 8.6% 12.9% 7.1% 28.6%
HIGH Count 18.0 108.0 48.0 174.0
% within Edl Qualification 40.9% 69.2% 60.0% 62.1%
% of Total 6.4% 38.6% 17.1% 62.1%
Total
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0% 100.0%
% of Total 15.7% 55.7% 28.6% 100.0%
Value of chi - square = 21.2, at 4 d.f., p=0.000
Table C23:X533 * yearly Income(Rs in lakhs)
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0 lakhs
More than 5 lakhs
X533 LOW Count 8 6.0 4.0 8.0 26.0
% within yearly Income(Rs in lakhs) 10.8% 13.6% 4.3% 11.4% 9.3%
% of Total 2.9% 2.1% 1.4% 2.9% 9.3% MEDIUM Count 26 24.0 12.0 18.0 80.0
% within yearly Income(Rs in lakhs) 35.1% 54.5% 13.0% 25.7% 28.6%
% of Total 9.3% 8.6% 4.3% 6.4% 28.6% HIGH Count 40 14.0 76.0 44.0 174.0
% within yearly Income(Rs in lakhs) 54.1% 31.8% 82.6% 62.9% 62.1%
% of Total 14.3% 5.0% 27.1% 15.7% 62.1% Total
Count 74 44.0 92.0 70.0 280.0
% within yearly Income(Rs in lakhs) 100.0% 100.0% 100.0% 100.0% 100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0%
Value of Chi - square = 36.810, at 6 d.f., p=0.000
325
Table C24: X533 * Length of Association (in yrs)
Value of Chi - square = 24.342, at 6 d.f., p=0.000
Table C25: X533 * Frequency of transaction (monthly)
Value of Chi - square = 14.144, at 6 d.f., p=0.028
326
Table C26: X633 * Gender
Value of Chi - square = 1.530, at 2 d.f., p=0.465
Table C27: X633 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X633 LOW Count 34.0 8.0 10.0 52.0
% within Age (in Years) 16.3% 19.0% 33.3% 17.8%
% of Total 12.8% 3.0% 3.8% 19.5%
MEDIUM Count 70.0 12.0 10.0 56.0
% within Age (in Years) 33.7% 28.6% 33.3% 19.2%
% of Total 26.3% 4.5% 3.8% 21.1%
HIGH Count 104.0 22.0 10.0 184.0
% within Age (in Years) 50.0% 52.4% 33.3% 63.0%
% of Total 39.1% 8.3% 3.8% 69.2%
Total
Count 208.0 42.0 30.0 292.0
% within Age (in Years)
100.0%
100.0% 100.0%
100.0%
% of Total 78.2% 15.8% 11.3% 109.8
%
Value of chi - square =6.0, at 4 d.f., p=0.199
327
Table C28: X633 * Educational(Edl) Qualification
Edl Qualification
Total Graduate Post
Graduate Profession
al
X633 LOW Count 6.0 22.0 24.0 52.0
% within Edl Qualification 13.6% 14.1% 30.0% 18.6%
% of Total 2.1% 7.9% 8.6% 18.6%
MEDIUM Count 26.0 42.0 24.0 92.0
% within Edl Qualification 59.1% 26.9% 30.0% 32.9%
% of Total 9.3% 15.0% 8.6% 32.9%
HIGH Count 12.0 92.0 32.0 136.0
% within Edl Qualification 27.3% 59.0% 40.0% 48.6%
% of Total 4.3% 32.9% 11.4% 48.6%
Total
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0%
100.0%
% of Total 15.7% 55.7% 28.6% 100.0
%
Value of chi - square = 27.8, at 4 d.f., p=0.000
328
Table C29:X633 * Yearly Income (Rs in lakhs)
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0
lakhs
More than 5 lakhs
X633 LOW Count 8 10.0 14.0 20.0 52.0
% within yearly Income(Rs in lakhs) 10.8% 22.7% 15.2% 28.6% 18.6%
% of Total 2.9% 3.6% 5.0% 7.1% 18.6%
MEDIUM Count 28 24.0 16.0 24.0 92.0
% within yearly Income(Rs in lakhs) 37.8% 54.5% 17.4% 34.3% 32.9%
% of Total 10.0% 8.6% 5.7% 8.6% 32.9%
HIGH Count 38 10.0 62.0 26.0 136.0
% within yearly Income(Rs in lakhs) 51.4% 22.7% 67.4% 37.1% 48.6%
% of Total 13.6% 3.6% 22.1% 9.3% 48.6%
Total
Count 74 44.0 92.0 70.0 280.0
% within yearly Income(Rs in lakhs) 100.0%
100.0% 100.0% 100.0%
100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0
%
Value of Chi - square = 35.494, at 6 d.f., p=0.000
329
Table C30: X633 * Length of Association (in yrs)
Value of Chi - square = 15.091, at 6 d.f., p=0.020
Table C31: X633 * Frequency of transaction (monthly)
Value of Chi - square = 10.400, at 6 d.f., p=0.109
330
Table C32: X733 * Gender
Value of Chi - square = 2.826, at 2 d.f., p=0.243
Table C33: X733 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X733 LOW Count 86.0 22.0 22.0 130.0
% within Age (in Years) 41.3% 52.4% 73.3% 46.4%
% of Total 30.7% 7.9% 7.9% 46.4%
MEDIUM Count 52.0 10.0 6.0 68.0
% within Age (in Years) 25.0% 23.8% 20.0% 24.3%
% of Total 18.6% 3.6% 2.1% 24.3%
HIGH Count 70.0 10.0 2.0 82.0
% within Age (in Years) 33.7% 23.8% 6.7% 29.3%
% of Total 25.0% 3.6% 0.7% 29.3%
Total
Count 208.0 42.0 30.0 280.0
% within Age (in Years) 100.0
% 100.0
% 100.0% 100.0
%
% of Total 74.3% 15.0% 10.7% 100.0
%
Value of chi - square = 13.5, at 4 d.f., p=0.009
331
Table C34:X733 * Educational (Edl) Qualification
Edl Qualification
Total Graduat
e Post
Graduate Profession
al
X733 LOW Count 38.0 58.0 34.0 130.0
% within Edl Qualification 79.2% 38.2% 42.5% 46.4%
% of Total 13.6% 20.7% 12.1% 46.4%
MEDIUM Count 4.0 40.0 24.0 68.0
% within Edl Qualification 8.3% 26.3% 30.0% 24.3%
% of Total 1.4% 14.3% 8.6% 24.3%
HIGH Count 6.0 54.0 22.0 82.0
% within Edl Qualification 12.5% 35.5% 27.5% 29.3%
% of Total 2.1% 19.3% 7.9% 29.3%
Total
Count 48.0 152.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0%
100.0%
% of Total 17.1% 54.3% 28.6% 100.0
%
Value of chi - square = 26.7, at 4 d.f., p=0.000
332
Table C35:X733 * yearly Income(Rs in lakhs)
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0 lakhs
More than 5 lakhs
X733 LOW Count 32 28.0 34.0 36.0 130.0
% within yearly Income(Rs in lakhs) 43.2% 63.6% 37.0% 51.4% 46.4%
% of Total 11.4% 10.0% 12.1% 12.9% 46.4%
MEDIUM Count 18 8.0 22.0 20.0 68.0
% within yearly Income(Rs in lakhs) 24.3% 18.2% 23.9% 28.6% 24.3%
% of Total 6.4% 2.9% 7.9% 7.1% 24.3%
HIGH Count 24 8.0 36.0 14.0 82.0
% within yearly Income(Rs in lakhs) 32.4% 18.2% 39.1% 20.0% 29.3%
% of Total 8.6% 2.9% 12.9% 5.0% 29.3%
Total
Count 74 44.0 92.0 70.0 280.0
% within yearly Income(Rs in lakhs) 100.0% 100.0% 100.0% 100.0%
100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0
%
Value of Chi - square = 13.541, at 6 d.f., p=0.035
333
Table C36: X733 * Length of Association (in yrs)
Value of Chi - square = 21.367, at 6 d.f., p=0.002
Table C37: X733 * Frequency of transaction (monthly)
Value of Chi - square = 16.914, at 6 d.f., p=0.010
334
Table C38:X833 * Gender
Value of Chi - square = 8.576, at 2 d.f., p=0.014
Table C39: X833 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X833 LOW Count 32.0 4.0 2.0 38.0
% within Age (in Years) 15.4% 9.5% 6.7% 13.6%
% of Total 11.4% 1.4% 0.7% 13.6%
MEDIUM Count 86.0 12.0 12.0 110.0
% within Age (in Years) 41.3% 28.6% 40.0% 39.3%
% of Total 30.7% 4.3% 4.3% 39.3%
HIGH Count 90.0 26.0 16.0 132.0
% within Age (in Years) 43.3% 61.9% 53.3% 47.1% % of Total 32.1% 9.3% 5.7% 47.1%
Total
Count 208.0 42.0 30.0 280.0
% within Age (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 74.3% 15.0% 10.7% 100.0%
Value of chi - square = 6.37, at 4 d.f., p=0.173
335
Table C40:X833 * Educational(Edl) Qualification
Edl Qualification
Total Graduat
e Post
Graduate Professiona
l
X833 LOW Count 2.0 22.0 14.0 38.0
% within Edl Qualification 4.5% 14.1% 17.5% 13.6%
% of Total 0.7% 7.9% 5.0% 13.6%
MEDIUM Count 30.0 68.0 12.0 110.0
% within Edl Qualification 68.2% 43.6% 15.0% 39.3%
% of Total 10.7% 24.3% 4.3% 39.3%
HIGH Count 12.0 66.0 54.0 132.0
% within Edl Qualification 27.3% 42.3% 67.5% 47.1%
% of Total 4.3% 23.6% 19.3% 47.1%
Total
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0%
100.0%
% of Total 15.7% 55.7% 28.6% 100.0
%
Value of chi - square = 37.2, at 4 d.f., p=0.000
Table C41:X833 * yearly Income(Rs in lakhs)
336
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0
lakhs
More than 5 lakhs
X833 LOW Count 12 4.0 4.0 18.0 38.0
% within yearly Income(Rs in lakhs) 16.2% 9.1% 4.3% 25.7% 13.6%
% of Total 4.3% 1.4% 1.4% 6.4% 13.6%
MEDIUM Count 32 26.0 30.0 22.0 110.0
% within yearly Income(Rs in lakhs) 43.2% 59.1% 32.6% 31.4% 39.3%
% of Total 11.4% 9.3% 10.7% 7.9% 39.3%
HIGH Count 30 14.0 58.0 30.0 132.0
% within yearly Income(Rs in lakhs) 40.5% 31.8% 63.0% 42.9% 47.1%
% of Total 10.7% 5.0% 20.7% 10.7% 47.1%
Total
Count 74 44.0 92.0 70.0 280.0
% within yearly Income(Rs in lakhs) 100.0% 100.0% 100.0% 100.0% 100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0%
Value of Chi - square = 29.320, at 6 d.f., p=0.000
337
Table C42:X833 * Length of Association (in yrs)
Value of Chi - square = 16.076, at 6 d.f., p=0.013
Table C43:X833 * Frequency of transaction (monthly)
Value of Chi - square = 14.681, at 6 d.f., p=0.023
338
Table C44:X933 * Gender
Value of Chi - square = 0.809, at 2 d.f., p=0.667
Table C45:X933 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X933 LOW Count 84.0 14.0 4.0 102.0
% within Age (in Years) 40.6% 34.1% 12.5% 36.4%
% of Total 30.0% 5.0% 1.4% 36.4%
MEDIUM Count 29.0 9.0 6.0 44.0
% within Age (in Years) 14.0% 22.0% 18.8% 15.7%
% of Total 10.4% 3.2% 2.1% 15.7%
HIGH Count 94.0 18.0 22.0 134.0
% within Age (in Years) 45.4% 43.9% 68.8% 47.9%
% of Total 33.6% 6.4% 7.9% 47.9%
Total
Count 207.0 41.0 32.0 280.0
% within Age (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 73.9% 14.6% 11.4% 100.0%
Value of chi - square = 11.0, at 4 d.f., p=0.027
339
Table C46:X933 * Edl Qualification
Edl Qualification
Total +2 Graduat
e
Post Graduat
e Profession
al
X933 LOW Count 4 6.0 66.0 26.0 102.0
% within Edl Qualification 30.8% 15.8% 44.0% 32.9% 36.4%
% of Total 1.4% 2.1% 23.6% 9.3% 36.4%
MEDIUM Count 1 2.0 16.0 25.0 44.0
% within Edl Qualification 7.7% 5.3% 10.7% 31.6% 15.7%
% of Total 0.4% 0.7% 5.7% 8.9% 15.7%
HIGH Count 8 30.0 68.0 28.0 134.0
% within Edl Qualification 61.5% 78.9% 45.3% 35.4% 47.9%
% of Total 2.9% 10.7% 24.3% 10.0% 47.9%
Total
Count 13.0 38.0 150.0 79.0 280.0
% within Edl Qualification
100.0% 100.0% 100.0% 100.0%
100.0%
% of Total 4.6% 13.6% 53.6% 28.2% 100.0
%
Value of chi - square = 36.5, at 6 d.f., p=0.000
Table C47:X933 * yearly Income(Rs in lakhs)
340
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0 lakhs
More than 5 lakhs
X933 LOW Count 32 10 34 26 102
% within yearly Income(Rs in lakhs) 43.2% 22.7% 37.0% 37.1% 36.4%
% of Total 11.4% 3.6% 12.1% 9.3% 36.4%
MEDIUM Count 4 4 18 18 44
% within yearly Income(Rs in lakhs) 5.4% 9.1% 19.6% 25.7% 15.7%
% of Total 1.4% 1.4% 6.4% 6.4% 15.7%
HIGH Count 38 30 40 26 134
% within yearly Income(Rs in lakhs) 51.4% 68.2% 43.5% 37.1% 47.9%
% of Total 13.6% 10.7% 14.3% 9.3% 47.9%
Total
Count 74 44 92 70 280
% within yearly Income(Rs in lakhs)
100.0% 100.0% 100.0% 100.0%
100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0
%
Value of Chi - square = 20.818, at 6 d.f., p=0.002
Table C48:X933 * Length of Association (in yrs)
341
Value of Chi - square = 15.918, at 6 d.f., p=0.014
Table C49:X933 * Frequency of transaction (monthly)
Value of Chi - square = 4.004, at 6 d.f., p=0.676
Table C50: X1033 * Gender
342
Value of Chi - square = 12.707, at 2 d.f., p=0.002
Table C51:X1033 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X1033 LOW Count 126.0 22.0 22.0 170.0
% within Age (in Years) 60.6% 52.4% 73.3% 60.7% % of Total 45.0% 7.9% 7.9% 60.7%
MEDIUM Count 40.0 12.0 2.0 54.0
% within Age (in Years) 19.2% 28.6% 6.7% 19.3%
% of Total 14.3% 4.3% 0.7% 19.3%
HIGH Count 42.0 8.0 6.0 56.0
% within Age (in Years) 20.2% 19.0% 20.0% 20.0% % of Total 15.0% 2.9% 2.1% 20.0%
Total
Count 208.0 42.0 30.0 280.0
% within Age (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 74.3% 15.0% 10.7% 100.0%
Value of chi - square = 5.65, at 4 d.f., p=0.227
Table C52:X1033 * Educational (Edl) Qualification
343
Edl Qualification
Total Graduat
e
Post Graduat
e Profession
al
X1033 LOW Count 30.0 92.0 48.0 170.0
% within Edl Qualification 68.2% 59.0% 60.0% 60.7%
% of Total 10.7% 32.9% 17.1% 60.7%
MEDIUM Count 12.0 32.0 10.0 54.0
% within Edl Qualification 27.3% 20.5% 12.5% 19.3%
% of Total 4.3% 11.4% 3.6% 19.3%
HIGH Count 2.0 32.0 22.0 56.0
% within Edl Qualification 4.5% 20.5% 27.5% 20.0%
% of Total 0.7% 11.4% 7.9% 20.0%
Total
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0%
100.0%
% of Total 15.7% 55.7% 28.6% 100.0
%
Value of chi - square = 11.5, at 4 d.f., p=0.021
344
Table C53:X1033 * yearly Income(Rs in lakhs)
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0
lakhs
More than 5 lakhs
X1033 LOW Count 58 24 54 32 168
% within yearly Income(Rs in lakhs) 78.4% 54.5% 58.7% 45.7% 60.4%
% of Total 20.9% 8.6% 19.4% 11.5% 60.4%
MEDIUM Count 10 10 22 12 54
% within yearly Income(Rs in lakhs) 13.5% 22.7% 23.9% 17.1% 19.4%
% of Total 3.6% 3.6% 7.9% 4.3% 19.4%
HIGH Count 6 10 16 24 56
% within yearly Income(Rs in lakhs) 8.1% 22.7% 17.4% 34.3% 20.1%
% of Total 2.1% 3.6% 5.7% 8.6% 20.0%
Total
Count 74 44 92 70 278
% within yearly Income(Rs in lakhs) 100.0%
100.0% 100.0% 100.0%
100.0%
% of Total 26.6% 15.8% 33.1% 25.2% 100.0
%
Value of Chi - square = 21.429, at 6 d.f., p=0.002
345
Table C54: X1033 * Length of Association (in yrs)
Value of Chi - square = 1.094, at 6 d.f., p=0.982
Table C55:X1033 * Frequency of transaction(monthly)
Frequency of transaction(monthly)
Total once twice 3-5
times more than
5
X1033 LOW Count 16.0 22.0 58.0 74.0 170.0
% within Frequency of transaction(in Years) 76.2% 68.8% 61.7% 55.6% 60.7%
% of Total 12.0% 16.5% 43.6% 55.6% 127.8%
MEDIUM Count 4.0 4.0 14.0 32.0 54.0
% within Frequency of transaction (in Years) 19.0% 12.5% 14.9% 24.1% 19.3%
% of Total 3.0% 3.0% 10.5% 24.1% 40.6%
HIGH Count 1.0 6.0 22.0 27.0 56.0
% within Frequency of transaction (in Years) 4.8% 18.8% 23.4% 20.3% 20.0%
% of Total 0.8% 4.5% 16.5% 20.3% 42.1%
Total
Count 21.0 32.0 94.0 133.0 280.0
% within Frequency of transaction (in Years) 100.0% 100.0% 100.0% 100.0% 100.0%
% of Total 15.8% 24.1% 70.7% 100.0% 210.5% Value of chi - square = 8.04, at 6 d.f., p=0.235
346
Table C56:X1133 * Gender
Value of Chi - square = 0.067, at 2d.f., p=0.967
Table C57:X1133 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X1133 LOW Count 32.0 10.0 8.0 50.0
% within Age (in Years) 15.4% 23.8% 26.7% 17.9%
% of Total 11.4% 3.6% 2.9% 17.9%
MEDIUM Count 54.0 10.0 10.0 74.0
% within Age (in Years) 26.0% 23.8% 33.3% 26.4% % of Total 19.3% 3.6% 3.6% 26.4%
HIGH Count 122.0 22.0 12.0 156.0
% within Age (in Years) 58.7% 52.4% 40.0% 55.7%
% of Total 43.6% 7.9% 4.3% 55.7%
Total
Count 208.0 42.0 30.0 280.0
% within Age (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 74.3% 15.0% 10.7% 100.0%
Value of chi - square = 10.325, at 4 d.f., p=0.262
347
Table C58:X1133 * Educational(Edl) Qualification
Edl Qualification
Total Graduate Post
Graduate Professional
X1133 LOW Count 10.0 20.0 20.0 50.0
% within Edl Qualification 22.7% 12.8% 25.0% 17.9%
% of Total 3.6% 7.1% 7.1% 17.9%
MEDIUM Count 24.0 30.0 20.0 74.0
% within Edl Qualification 54.5% 19.2% 25.0% 26.4%
% of Total 8.6% 10.7% 7.1% 26.4%
HIGH Count 10.0 106.0 40.0 156.0
% within Edl Qualification 22.7% 67.9% 50.0% 55.7%
% of Total 3.6% 37.9% 14.3% 55.7%
Total
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0% 100.0%
% of Total 15.7% 55.7% 28.6% 100.0%
Value of chi - square = 34.6, at 4 d.f., p=0.000
Table C59:X1133 * yearly Income(Rs in lakhs)
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0 lakhs
More than 5 lakhs
X1133 LOW Count 6 10 20 14 50
% within yearly Income(Rs in lakhs) 8.1% 22.7% 21.7% 20.0% 17.9%
% of Total 2.1% 3.6% 7.1% 5.0% 17.9%
MEDIUM Count 18 22 14 20 74
% within yearly Income(Rs in lakhs) 24.3% 50.0% 15.2% 28.6% 26.4%
% of Total 6.4% 7.9% 5.0% 7.1% 26.4%
HIGH Count 50 12 58 36 156
% within yearly Income(Rs in lakhs) 67.6% 27.3% 63.0% 51.4% 55.7%
% of Total 17.9% 4.3% 20.7% 12.9% 55.7%
Total
Count 74 44 92 70 280
% within yearly Income(Rs in lakhs) 100.0% 100.0% 100.0% 100.0% 100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0%
value of Chi - square = 28.723, at 6 d.f., p=0.000
348
Table C60: X1133 * Length of Association (in yrs)
Value of Chi - square = 59.966, at 6 d.f., p=0.000
Table C61:X1133 * Frequency of transaction (monthly)
Value of Chi - square = 9.600, at 6 d.f., p=0.143
349
Table C62:X1233 * Gender
Value of Chi - square = 14.706, at 6 d.f., p=0.001
X1233 * Age (in Years)
NO X2 test
350
Table C63:X1233 *Educational( Edl) Qualification
Edl Qualification
Total Graduat
e Post
Graduate Professional
X1233 LOW Count 4.0 12.0 8.0 24.0
% within Edl Qualification 9.1% 7.7% 10.0% 8.6% % of Total 1.4% 4.3% 2.9% 8.6%
MEDIUM Count 28.0 52.0 16.0 96.0
% within Edl Qualification 63.6% 33.3% 20.0% 34.3%
% of Total 10.0% 18.6% 5.7% 34.3%
HIGH Count 12.0 92.0 56.0 160.0
% within Edl Qualification 27.3% 59.0% 70.0% 57.1% % of Total 4.3% 32.9% 20.0% 57.1%
Total
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0% 100.0%
% of Total 15.7% 55.7% 28.6% 100.0%
Value of chi - square = 25.5, at 4 d.f., p=0.000
Table C64:X1233 * Yearly Income (Rs in lacs)
yearly Income(Rs in lakhs)
Total less than 1.5 lakhs
1.5-2.5 lakhs
2.5 - 5.0 lakhs
More than 5 lakhs
X1233 LOW Count 0 6 6 12 24
% within yearly Income(Rs in lakhs) 0.0% 13.6% 6.5% 17.1% 8.6%
% of Total 0.0% 2.1% 2.1% 4.3% 8.6%
MEDIUM Count 26 22 26 22 96
% within yearly Income(Rs in lakhs) 35.1% 50.0% 28.3% 31.4% 34.3%
% of Total 9.3% 7.9% 9.3% 7.9% 34.3%
HIGH Count 48 16 60 36 160
% within yearly Income(Rs in lakhs) 64.9% 36.4% 65.2% 51.4% 57.1%
% of Total 17.1% 5.7% 21.4% 12.9% 57.1%
Total
Count 74 44 92 70 280
% within yearly Income(Rs in lakhs) 100.0% 100.0% 100.0% 100.0% 100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0%
Value of Chi - square = 23.983, at 6 d.f., p=0.000
351
Table C65: X1233 * Length of Association (in yrs)
Value of Chi - square = 21.431, at 6 d.f., p=0.002
Table C66:X1233 * Frequency of transaction (monthly)
Value of Chi - square = 19.595, at 6 d.f., p=0.003
352
Table C67:X1333 * Gender
Value of Chi - square = 0.122, at 2 d.f., p=0.941
Table C68:X1333 * Age (in Years)
Value of Chi - square = 3.138, at 6 d.f., p=0.791
353
Table C69:X1333 * Educational (Edl) Qualification
Value of Chi - square = 7.768, at 6 d.f., p=0.256
Table C70:X1333 * Yearly Income(Rs. in lacs)
Yearly Income(Rs. in lakhs)
Total Less than 2.5 lakhs
2.5 - 5.0 lakhs
Mote than 5 lakhs
X1333 LOW Count 4.0 4.0 12.0 20.0
% within Yearly income(Rs. in lakhs) 3.4% 3.8% 14.3% 6.5%
% of Total 1.3% 1.3% 3.9% 6.5%
MEDIUM Count 6.0 8.0 2.0 16.0
% within Yearly income(Rs. in lakhs) 5.1% 7.7% 2.4% 5.2%
% of Total 2.0% 2.6% 0.7% 5.2%
HIGH Count 108.0 92.0 70.0 270.0
% within Yearly income(Rs. in lakhs) 91.5% 88.5% 83.3% 88.2%
% of Total 38.6% 32.9% 25.0% 96.4%
Total
Count 118.0 104.0 84.0 306.0
% within Yearly income(Rs. in lakhs) 100.0% 100.0% 100.0% 100.0%
% of Total 38.6% 34.0% 27.5% 100.0%
Value of chi - square = 16.3, at 4 d.f., p=0.003
354
Table C71:X1333 * Length of Association(in yrs)
Length of association (in yrs)
Total Up to 5 6-10 > 10
X1333 LOW Count 10.0 2.0 13.0 25.0
% within Length of Association(in yrs) 7.1% 2.4% 22.4% 8.9%
% of Total 3.6% 0.7% 4.6% 8.9%
MEDIUM Count 4.0 8.0 6.0 18.0
% within Length of Association(in yrs) 2.9% 9.8% 10.3% 6.4%
% of Total 1.4% 2.9% 2.1% 6.4%
HIGH Count 126.0 72.0 39.0 237.0
% within Length of Association(in yrs) 90.0% 87.8% 67.2% 84.6%
% of Total 45.0% 25.7% 13.9% 84.6%
Total
Count 140.0 82.0 58.0 280.0
% within Length of Association(in yrs) 100.0% 100.0% 100.0% 100.0%
% of Total 50.0% 29.3% 20.7% 100.0%
Value of chi - square = 24.41, at 4 d.f., p=0.000
355
Table C72:X1333 * Frequency of transaction(monthly)
Frequency of transaction(monthly)
Total 1-2 times 3-4 times
>5 times
X1333 LOW Count 16.0 6.0 6.0 28.0
% within Frequency of transaction(monthly) 29.6% 6.5% 4.5% 10.0%
% of Total 12.0% 4.5% 4.5% 21.1%
MEDIUM Count 7.0 6.0 6.0 19.0
% within Frequency of transaction(monthly) 13.0% 6.5% 4.5% 6.8%
% of Total 5.3% 4.5% 4.5% 14.3%
HIGH Count 31.0 81.0 121.0 233.0
% within Frequency of transaction(monthly) 57.4% 87.1% 91.0% 83.2%
% of Total 23.3% 60.9% 91.0% 175.2%
Total
Count 54.0 93.0 133.0 280.0
% within Frequency of transaction(monthly) 100.0% 100.0% 100.0% 100.0%
% of Total 40.6% 69.9% 100.0% 210.5%
Value of chi - square = 35.5, at 4 d.f., p=0.000
Table C73:X1433 * Gender
Value of Chi - square = 1.363, at 2 d.f., p=0.506
356
Table C74: X1433 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X1433 LOW Count 44.0 10.0 8.0 62.0
% within Age (in Years) 21.2% 23.8% 26.7% 22.1%
% of Total 15.7% 3.6% 2.9% 22.1%
MEDIUM Count 66.0 16.0 10.0 92.0
% within Age (in Years) 31.7% 38.1% 33.3% 32.9%
% of Total 23.6% 5.7% 3.6% 32.9%
HIGH Count 98.0 16.0 12.0 126.0
% within Age (in Years) 47.1% 38.1% 40.0% 45.0% % of Total 35.0% 5.7% 4.3% 45.0%
Total
Count 208.0 42.0 30.0 280.0
% within Age (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 74.3% 15.0% 10.7% 100.0%
Value of chi - square = 1.67, at 4 d.f., p=0.796
Table C75:X1433 * Educational(Edl) Qualification
Edl Qualification
Total Graduat
e Post-
Graduate Professiona
l
X1433 LOW Count 20.0 32.0 10.0 62.0
% within Edl Qualification 45.5% 20.5% 12.5% 22.1%
% of Total 7.1% 11.4% 3.6% 22.1%
MEDIUM Count 18.0 48.0 26.0 92.0
% within Edl Qualification 40.9% 30.8% 32.5% 32.9%
% of Total 6.4% 17.1% 9.3% 32.9%
HIGH Count 6.0 76.0 44.0 126.0
% within Edl Qualification 13.6% 48.7% 55.0% 45.0%
% of Total 2.1% 27.1% 15.7% 45.0%
Total
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0%
100.0%
% of Total 15.7% 55.7% 28.6% 100.0
%
Value of chi - square = 27.3, at 4 d.f., p=0.000
357
Table C76:X1433 * yearly Income(Rs in lakhs)
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0
lakhs
More than 5 lakhs
X1433 LOW Count 24 18 10 10 62
% within yearly Income(Rs in lakhs) 32.4% 40.9% 11.1% 14.3% 22.3%
% of Total 8.6% 6.5% 3.6% 3.6% 22.3%
MEDIUM Count 14 18 32 26 90
% within yearly Income(Rs in lakhs) 18.9% 40.9% 35.6% 37.1% 32.4%
% of Total 5.0% 6.5% 11.5% 9.4% 32.4%
HIGH Count 36 8 48 34 126
% within yearly Income(Rs in lakhs) 48.6% 18.2% 53.3% 48.6% 45.3%
% of Total 12.9% 2.9% 17.1% 12.1% 45.0%
Total
Count 74 44 90 70 278
% within yearly Income(Rs in lakhs)
100.0% 100.0%
100.0% 100.0% 100.0%
% of Total 26.6% 15.8% 32.4% 25.2% 100.0%
Value of Chi - square = 32.375, at 6 d.f., p=0.000
358
Table C77: X1433 * Length of Association (in yrs)
Value of Chi - square = 37.705, at 6 d.f., p=0.000
Table C78:X1433 * Frequency of transaction (monthly)
Value of Chi - square = 10.015, at 6 d.f., p=0.124
359
Table C79:X1533 * Gender
Value of Chi - square = 2.609, at 2 d.f., p=0.271
Table C80:X1533 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X1533 LOW Count 96.0 10.0 14.0 120.0
% within Age (in Years) 46.2% 23.8% 46.7% 42.9%
% of Total 34.3% 3.6% 5.0% 42.9%
MEDIUM Count 58.0 14.0 10.0 82.0
% within Age (in Years) 27.9% 33.3% 33.3% 29.3%
% of Total 20.7% 5.0% 3.6% 29.3%
HIGH Count 54.0 18.0 6.0 78.0
% within Age (in Years) 26.0% 42.9% 20.0% 27.9% % of Total 19.3% 6.4% 2.1% 27.9%
Total
Count 208.0 42.0 30.0 280.0
% within Age (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 74.3% 15.0% 10.7% 100.0%
Value of chi - square = 9.05, at 4 d.f., p=0.06
360
Table C81:X1533 * Educational (Edl) Qualification
Edl Qualification
Total Graduat
e
Post Graduat
e Professiona
l
X1533 LOW Count 20.0 76.0 24.0 120.0
% within Edl Qualification 45.5% 48.7% 13.0% 31.3%
% of Total 5.2% 19.8% 6.3% 31.3%
MEDIUM Count 14.0 38.0 82.0 134.0
% within Edl Qualification 31.8% 24.4% 44.6% 34.9%
% of Total 3.6% 9.9% 21.4% 34.9%
HIGH Count 10.0 42.0 78.0 130.0
% within Edl Qualification 22.7% 26.9% 42.4% 33.9%
% of Total 2.6% 10.9% 20.3% 33.9%
Total
Count 44.0 156.0 184.0 384.0
% within Edl Qualification 100.0% 100.0% 100.0%
100.0%
% of Total 11.5% 40.6% 47.9% 100.0
%
Value of chi - square = 55.4, at 4 d.f., p=0.000
361
Table C82:X1533 * yearly Income(Rs in lakhs)
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0
lakhs
More than 5 lakhs
X1533 LOW Count 32 24 36 28 120
% within yearly Income(Rs in lakhs) 43.2% 54.5% 39.1% 40.0% 42.9%
% of Total 11.4% 8.6% 12.9% 10.0% 42.9%
MEDIUM Count 18 8 32 24 82
% within yearly Income(Rs in lakhs) 24.3% 18.2% 34.8% 34.3% 29.3%
% of Total 6.4% 2.9% 11.4% 8.6% 29.3%
HIGH Count 24 12 24 18 78
% within yearly Income(Rs in lakhs) 32.4% 27.3% 26.1% 25.7% 27.9%
% of Total 8.6% 4.3% 8.6% 6.4% 27.9%
Total
Count 74 44 92 70 280
% within yearly Income(Rs in lakhs) 100.0%
100.0% 100.0% 100.0%
100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0
%
Value of Chi - square = 6.638, at 6 d.f., p=0.356
362
Table C83:X1533 * Length of Association (in yrs)
Value of Chi - square = 25.175, at 6 d.f., p=0.000
Table C84: X1533 * Frequency of transaction (monthly)
Value of Chi - square = 12.880, at 6 d.f., p=0.045
363
Table C85:X1633 * Gender
Value of Chi - square = .056, at 6 d.f., p=0.972
Table C86:X1633 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X1633 LOW Count 68.0 4.0 10.0 82.0
% within Age (in Years) 32.7% 9.5% 33.3% 29.3% % of Total 24.3% 1.4% 3.6% 29.3%
MEDIUM Count 22.0 16.0 6.0 44.0
% within Age (in Years) 10.6% 38.1% 20.0% 15.7%
% of Total 7.9% 5.7% 2.1% 15.7%
HIGH Count 118.0 22.0 14.0 154.0
% within Age (in Years) 56.7% 52.4% 46.7% 55.0% % of Total 42.1% 7.9% 5.0% 55.0%
Total
Count 208.0 42.0 30.0 280.0
% within Age (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 74.3% 15.0% 10.7% 100.0%
Value of chi - square = 24.4, at 4 d.f., p=0.000
364
Table C87:X1633 *Educational Qualification( Edl) Qualification
Edl Qualification
Total Graduat
e
Post Graduat
e Profession
al
X1633 LOW Count 16.0 48.0 18.0 82.0
% within Edl Qualification 36.4% 30.8% 22.5% 29.3%
% of Total 5.7% 17.1% 6.4% 29.3%
MEDIUM Count 8.0 24.0 12.0 44.0
% within Edl Qualification 18.2% 15.4% 15.0% 15.7%
% of Total 2.9% 8.6% 4.3% 15.7%
HIGH Count 20.0 84.0 50.0 154.0
% within Edl Qualification 45.5% 53.8% 62.5% 55.0%
% of Total 7.1% 30.0% 17.9% 55.0%
Total
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0% 100.0%
% of Total 15.7% 55.7% 28.6% 100.0%
Value of chi - square = 3.92, at 4 d.f., p=0.417
365
Table C88:X1633 * yearly Income(Rs in lakhs)
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0
lakhs More than
5 lakhs
X1633 LOW Count 28 16 18 20 82
% within yearly Income(Rs in lakhs) 37.8% 36.4% 19.6% 28.6% 29.3%
% of Total 10.0% 5.7% 6.4% 7.1% 29.3%
MEDIUM Count 4 10 18 12 44
% within yearly Income(Rs in lakhs) 5.4% 22.7% 19.6% 17.1% 15.7%
% of Total 1.4% 3.6% 6.4% 4.3% 15.7%
HIGH Count 42 18 56 38 154
% within yearly Income(Rs in lakhs) 56.8% 40.9% 60.9% 54.3% 55.0%
% of Total 15.0% 6.4% 20.0% 13.6% 55.0%
Total
Count 74 44 92 70 280
% within yearly Income(Rs in lakhs)
100.0%
100.0%
100.0% 100.0% 100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0%
Value of Chi - square = 15.135, at 6 d.f., p=0.019
366
Table C89: X1633 * Length of Association (in yrs)
Value of Chi - square = 23.026, at 6 d.f., p=0.001
Table C90:X1633 * Frequency of transaction (monthly)
Value of Chi - square = 10.264, at 6 d.f., p=0.114
367
Table C91: X1733 * Gender
Value of Chi - square = 2.385, at 6 d.f., p=0.304
Table C92: X1733 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X1733 LOW Count 78.0 8.0 4.0 90.0
% within Age (in Years) 37.5% 19.0% 13.3% 32.1%
% of Total 27.9% 2.9% 1.4% 32.1%
MEDIUM Count 38.0 10.0 10.0 58.0
% within Age (in Years) 18.3% 23.8% 33.3% 20.7% % of Total 13.6% 3.6% 3.6% 20.7%
HIGH Count 92.0 24.0 16.0 132.0
% within Age (in Years) 44.2% 57.1% 53.3% 47.1%
% of Total 32.9% 8.6% 5.7% 47.1%
Total
Count 208.0 42.0 30.0 280.0
% within Age (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 74.3% 15.0% 10.7% 100.0%
Value of chi - square = 12, at 4 d.f., p=0.017
368
Table C93:X1733 * Educational (Edl) Qualification
Edl Qualification
Total Graduat
e
Post Graduat
e Profession
al
X1733 LOW Count 20.0 52.0 18.0 90.0
% within Edl Qualification 45.5% 33.3% 22.5% 32.1%
% of Total 7.1% 18.6% 6.4% 32.1%
MEDIUM Count 8.0 30.0 20.0 58.0
% within Edl Qualification) 18.2% 19.2% 25.0% 20.7%
% of Total 2.9% 10.7% 7.1% 20.7%
HIGH Count 16.0 74.0 42.0 132.0
% within Edl Qualification 36.4% 47.4% 52.5% 47.1%
% of Total 5.7% 26.4% 15.0% 47.1%
Total
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0%
100.0%
% of Total 15.7% 55.7% 28.6% 100.0
%
Value of chi - square = 7.39, at 4 d.f., p=0.116
369
Table C94:X1733 * yearly Income(Rs in lakhs)
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0
lakhs
More than 5 lakhs
X1733 LOW Count 26 14 24 26 90
% within yearly Income(Rs in lakhs) 35.1% 31.8% 26.1% 37.1% 32.1%
% of Total 9.3% 5.0% 8.6% 9.3% 32.1%
MEDIUM Count 8 10 30 10 58
% within yearly Income(Rs in lakhs) 10.8% 22.7% 32.6% 14.3% 20.7%
% of Total 2.9% 3.6% 10.7% 3.6% 20.7%
HIGH Count 40 20 38 34 132
% within yearly Income(Rs in lakhs) 54.1% 45.5% 41.3% 48.6% 47.1%
% of Total 14.3% 7.1% 13.6% 12.1% 47.1%
Total
Count 74 44 92 70 280
% within yearly Income(Rs in lakhs) 100.0% 100.0% 100.0% 100.0% 100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0%
Value of Chi - square = 14.544, at 6 d.f., p=0.024
370
Table C95: X1733 * Length of Association (in yrs)
Value of Chi - square = 23.834, at 6 d.f., p=0.001
Table C96: X1733 * Frequency of transaction (monthly)
Value of Chi - square = 6.470 , at 6 d.f., p=0.373
371
Table C97: X1833 * Gender
Value of Chi - square = 2.000, at 2 d.f., p=0.368
Table C98:X1833 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X1833 LOW Count 96.0 22.0 12.0 130.0
% within Age (in Years) 46.2% 52.4% 40.0% 46.4% % of Total 34.3% 7.9% 4.3% 46.4%
MEDIUM Count 64.0 8.0 10.0 82.0
% within Age (in Years) 30.8% 19.0% 33.3% 29.3%
% of Total 22.9% 2.9% 3.6% 29.3%
HIGH Count 48.0 12.0 8.0 68.0
% within Age (in Years) 23.1% 28.6% 26.7% 24.3%
% of Total 17.1% 4.3% 2.9% 24.3%
Total
Count 208.0 42.0 30.0 280.0
% within Age (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 74.3% 15.0% 10.7% 100.0%
Value of chi - square = 2.93, at 4 d.f., p=0.569
372
Table C99:X1833 * Educational(Edl) Qualification
Edl Qualification
Total Graduat
e
Post Graduat
e Professiona
l
X1833 LOW Count 14.0 68.0 48.0 130.0
% within Edl Qualification 31.8% 43.6% 60.0% 46.4%
% of Total 5.0% 24.3% 17.1% 46.4%
MEDIUM Count 26.0 38.0 18.0 82.0
% within Edl Qualification 59.1% 24.4% 22.5% 29.3%
% of Total 9.3% 13.6% 6.4% 29.3%
HIGH Count 4.0 50.0 14.0 68.0
% within Edl Qualification 9.1% 32.1% 17.5% 24.3%
% of Total 1.4% 17.9% 5.0% 24.3%
Total
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0%
100.0%
% of Total 15.7% 55.7% 28.6% 100.0
%
Value of chi - square = 30.9, at 4 d.f., p=0.000
373
Table C100:X1833 * yearly Income(Rs in lakhs)
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0
lakhs
More than 5 lakhs
X1833 LOW Count 30 22 42 36 130
% within yearly Income(Rs in lakhs) 40.5% 50.0% 45.7% 51.4% 46.4%
% of Total 10.7% 7.9% 15.0% 12.9% 46.4%
MEDIUM Count 26 12 30 14 82
% within yearly Income(Rs in lakhs) 35.1% 27.3% 32.6% 20.0% 29.3%
% of Total 9.3% 4.3% 10.7% 5.0% 29.3%
HIGH Count 18 10 20 20 68
% within yearly Income(Rs in lakhs) 24.3% 22.7% 21.7% 28.6% 24.3%
% of Total 6.4% 3.6% 7.1% 7.1% 24.3%
Total
Count 74 44 92 70 280
% within yearly Income(Rs in lakhs) 100.0% 100.0% 100.0% 100.0% 100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0%
Value of Chi - square = 5.215, at 6 d.f., p=0.517
374
Table C101: X1833 * Length of Association (in yrs)
Value of Chi - square = 36.901, at 6 d.f., p=0.000
Table C102:X1833 * Frequency of transaction (monthly)
Value of Chi - square = 8.700, at 6 d.f., p=0.191
375
Table C103: X1933 * Gender
Value of Chi - square = 10.470, at 2 d.f., p=0.005
Table C104:X1933 * Age (in Years)
Value of Chi - square = 22.842, at 6 d.f., p=0.001
376
Table C105:X1933 *Educational( Edl) Qualification
Edl Qualification
Total Graduat
e
Post Graduat
e Professiona
l
X1933 LOW Count 20.0 108.0 60.0 188.0
% within Edl Qualification 45.5% 69.2% 75.0% 67.1%
% of Total 7.1% 38.6% 21.4% 67.1%
MEDIUM Count 2.0 16.0 8.0 26.0
% within Edl Qualification 4.5% 10.3% 10.0% 9.3%
% of Total 0.7% 5.7% 2.9% 9.3%
HIGH Count 22.0 32.0 12.0 66.0
% within Edl Qualification 50.0% 20.5% 15.0% 23.6%
% of Total 7.9% 11.4% 4.3% 23.6%
Total
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0%
100.0%
% of Total 15.7% 55.7% 28.6% 100.0
%
Value of chi - square = 21.3, at 4 d.f., p=0.000
377
Table C106:X1933 * yearly Income(Rs in lakhs)
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0
lakhs
More than 5 lakhs
X1933 LOW Count 44 24 72 48 188
% within yearly Income(Rs in lakhs) 59.5% 54.5% 78.3% 68.6% 67.1%
% of Total 15.7% 8.6% 25.7% 17.1% 67.1%
MEDIUM Count 10 4 4 6 24
% within yearly Income(Rs in lakhs) 13.5% 9.1% 4.3% 8.6% 8.6%
% of Total 3.6% 1.4% 1.4% 2.1% 8.6%
HIGH Count 20 16 16 16 68
% within yearly Income(Rs in lakhs) 27.0% 36.4% 17.4% 22.9% 24.3%
% of Total 7.1% 5.7% 5.7% 5.7% 24.3%
Total
Count 74 44 92 70 280
% within yearly Income(Rs in lakhs) 100.0% 100.0% 100.0% 100.0% 100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0%
Value of Chi - square = 12.174, at 6 d.f., p=0.058
378
Table C107:X1933 * Length of Association (in yrs)
Value of Chi - square = 50.753, at 6 d.f., p=0.000
Table C108:X1933 * Frequency of transaction(monthly)
Frequency of transaction(monthly)
Total 1-2 3-4 5 or more
X1933 LOW Count 30.0 68.0 90.0 188.0
% within Frequency of transaction(monthly) 57.7% 72.3% 67.2% 67.1%
% of Total 22.4% 50.7% 67.2% 140.3%
MEDIUM Count 4.0 12.0 8.0 24.0
% within Frequency of transaction(monthly) 7.7% 12.8% 6.0% 8.6%
% of Total 3.0% 9.0% 6.0% 17.9%
HIGH Count 18.0 14.0 36.0 68.0
% within Frequency of transaction(monthly) 34.6% 14.9% 26.9% 24.3%
% of Total 13.4% 10.4% 26.9% 50.7%
Total
Count 52.0 94.0 134.0 280.0
% within Frequency of transaction(monthly) 100.0% 100.0% 100.0% 100.0%
% of Total 38.8% 70.1% 100.0% 209.0%
Value of chi - square = 10.2, at 4 d.f., p=0.038
379
Table C109: X2033 * Gender
Value of Chi - square = 1.231, at 2 d.f., p=0.540
Table C110:X2033 * Age (in Years)
Age (in Years)
Total 18-29 30-44 45 and more
X2033 LOW Count 16.0 7.0 1.0 24.0
% within Age (in Years) 7.7% 17.1% 3.2% 8.6% % of Total 5.7% 2.5% 0.4% 8.6%
MEDIUM Count 74.0 14.0 12.0 100.0
% within Age (in Years) 35.6% 34.1% 38.7% 35.7%
% of Total 26.4% 5.0% 4.3% 35.7%
HIGH Count 118.0 20.0 18.0 156.0
% within Age (in Years) 56.7% 48.8% 58.1% 55.7% % of Total 42.1% 7.1% 6.4% 55.7%
Total
Count 208.0 41.0 31.0 280.0
% within Age (in Years) 100.0% 100.0% 100.0% 100.0%
% of Total 74.3% 14.6% 11.1% 100.0%
Value of chi - square = 5.21, at 4 d.f., p=0.267
380
Table C111:X2033 * Educational(Edl) Qualification
Edl Qualification
Total Graduat
e
Post Graduat
e Professiona
l
X2033 LOW Count 6.0 14.0 6.0 26.0
% within Edl Qualification 13.6% 9.0% 7.5% 9.3%
% of Total 2.1% 5.0% 2.1% 9.3%
MEDIUM Count 18.0 56.0 24.0 98.0
% within Edl Qualification 40.9% 35.9% 30.0% 35.0%
% of Total 6.4% 20.0% 8.6% 35.0%
HIGH Count 20.0 86.0 50.0 156.0
% within Edl Qualification 45.5% 55.1% 62.5% 55.7%
% of Total 7.1% 30.7% 17.9% 55.7%
Total
Count 44.0 156.0 80.0 280.0
% within Edl Qualification 100.0% 100.0% 100.0%
100.0%
% of Total 15.7% 55.7% 28.6% 100.0
%
Value of chi - square = 3.74, at 4 d.f., p=0.443
381
Table C112:X2033 * yearly Income(Rs in lakhs)
yearly Income(Rs in lakhs)
Total
less than 1.5
lakhs 1.5-2.5 lakhs
2.5 - 5.0 lakhs
More than 5 lakhs
X2033 LOW Count 4 6 6 10 26
% within yearly Income(Rs in lakhs) 5.4% 13.6% 6.5% 14.3% 9.3%
% of Total 1.4% 2.1% 2.1% 3.6% 9.3% MEDIUM Count 20 22 30 26 98
% within yearly Income(Rs in lakhs) 27.0% 50.0% 32.6% 37.1% 35.0%
% of Total 7.1% 7.9% 10.7% 9.3% 35.0% HIGH Count 50 16 56 34 156
% within yearly Income(Rs in lakhs) 67.6% 36.4% 60.9% 48.6% 55.7%
% of Total 17.9% 5.7% 20.0% 12.1% 55.7% Total
Count 74 44 92 70 280
% within yearly Income(Rs in lakhs) 100.0% 100.0% 100.0% 100.0% 100.0%
% of Total 26.4% 15.7% 32.9% 25.0% 100.0%
Value of Chi - square = 15.056, at 6 d.f., p=0.020
Table C113: X2033 * Length of Association (in yrs)
Value of Chi - square = 31.775, at 6 d.f., p=0.000
382
Table C114:X2033 * Frequency of transaction (monthly)
Value of Chi - square = 7.626, at 6 d.f., p=0.267
Publications 1. D S Prasad and Sandhya Goyal (2008) Issues in Bank Mergers: An
Indian Perspective, ICFAI Reader, June, 2008.(N)
2. D S Prasad and K S L Lavanya (2005) Technology Management in
Banks, Professional Banker,October,2005(ICFAI Publication))N)
3. D S Prasad and Vaishali Anand(2008) Research Paper on Human
Resource Management-Focus on Measurement Issues and Metrics
Development, HRD News Letter, August 2008(Vol.24,issue: 5)(ISSN-
0974-1720)(N)
4. D S Prasad and Priyanka Radia(2008) Wealth Management and
Alternative Investment Strategies/Options, FINSIGHTS (Vol 1:Issue no.
2,April-June 2008)(ICFAI Publication)(N)
5. D S Prasad(2010) Post-merger performance: An examination of
select commercial banks in India(2010) Journal of Managerial
Finance and Research(Vol.6, No:1,Jan-June 2010) (ISSN 0976-
7096)(N)
6. D S Prasad (2011) Application of Data Envelopment Analysis: Approach
to Evaluation of Commercial Bank mergers in India, Business Vision:
Management & Business Journal, Vol. 7, issue no.1, Jan-March, 2011.(N)
7. D S Prasad and D. Raghunatha Reddy(2010) Book Review on “Mergers,
Acquisitions and Corporate Restructuring Edited by Chandrasekhar K
and Viswanath S R” South Asian Journal of Management,Vol.17(1)
pp.160-171.(I)
8. D S Prasad(2005) Book Review on “Profit by Investing in Real Estate Tax
Liens by Larry B Loftis” Professional Banker,Novemebr,2005(ICFAI
Publication)(I)
9. D S Prasad(2006) Book Review on “Cross-Border Debt Restructurings:
Innovative Approaches for Creditors, Corporates and Sovereigns by
Esteban C Buljevich” (Euromoney Books publication) Professional
Banker,July,2006(ICFAI Publication)(N)
10. D S Prasad and D. Raghunatha Reddy (2005) Book Review on
“Undue Influence: Charles R Geisst” Professional
Banker,December,2005(ICFAI Publication)(I)
N: National, I: International
D. Subrahmanya Prasad Dr.D.Raghunatha Reddy
(Research Scholar) (Supervisor)
Journal of Managerial Finance and Research Publication Attachments
Title Page
Title 1, Title 2, Contents Page (Journal of Managerial Finance and Research).pdf
Article
Article 5 - Journal of Managerial Finance and Research (Volume 6, Issue, January-June 2010).pdf
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