Appendix A - INFLIBNETshodhganga.inflibnet.ac.in/bitstream/10603/4516/15/15... · 2015-12-04 · Punjab & Sind Bank Punjab National Bank Union Bank Of India United Bank Of India State

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


continued…..

Model 1

BANK 1998 1999 2000


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




Dena Bank 0.914 0.986 0.927 0.934 0.985 0.948 0.923 0.940 0.982



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


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


289


continued…..

Model 1

BANK 2001 2002 2003


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




Dena Bank 0.824 0.828 0.995 0.799 0.863 0.926 0.888 0.889 0.999



Syndicate Bank 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



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


continued…..

Model 1

BANK 2004 2005 2006


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




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


Vijaya Bank 0.967 0.987 0.980 0.991 0.998 0.994 0.901 0.912 0.988



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


continued…..

Model 1

BANK 2007 2008 2009


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




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


Vijaya Bank 0.952 0.964 0.987 1.000 1.000 1.000 0.921 0.935 0.984


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


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


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



Vijaya Bank 0.289 0.682 0.423 0.453 0.593 0.763 0.603 0.620 0.973


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


293


continued….

Model 2

BANK 1998 1999 2000


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


0.591 0.707 0.836 0.459 0.810 0.566 0.490 0.668 0.733


0.617 0.790 0.782 0.525 1.000 0.525 0.503 1.000 0.503


Dena Bank 0.839 0.896 0.936 0.732 0.927 0.789 0.687 0.939 0.732


0.655 0.766 0.855 0.559 0.924 0.605 0.599 0.837 0.716


0.728 1.000 0.728 0.570 1.000 0.570 0.621 1.000 0.621


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



0.763 1.000 0.763 0.883 1.000 0.883 0.799 1.000 0.799


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


294


continued….

Model 2

BANK 2001 2002 2003


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


0.611 0.628 0.973 0.200 0.362 0.551 0.291 0.360 0.808


0.668 1.000 0.668 0.490 1.000 0.490 0.563 0.923 0.610


Dena Bank 0.739 0.768 0.963 0.223 0.446 0.500 0.289 0.423 0.683


0.746 0.767 0.973 0.200 0.412 0.485 0.290 0.420 0.690


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



0.791 0.940 0.842 0.539 0.731 0.737 0.465 0.819 0.567


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


295


continued….

Model 2

BANK 2004 2005 2006


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


0.493 0.534 0.924 0.488 0.502 0.973 0.662 0.671 0.987


0.876 1.000 0.876 0.481 0.501 0.959 0.601 0.630 0.954


Dena Bank 0.645 0.697 0.926 0.579 0.598 0.969 0.654 0.656 0.997


0.543 0.565 0.962 0.612 0.636 0.963 0.738 0.767 0.962


0.613 0.638 0.960 0.591 0.600 0.985 0.744 0.746 0.997


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



Vijaya Bank 0.587 0.636 0.922 0.616 0.621 0.992 0.657 0.659 0.997



0.601 1.000 0.601 0.830 1.000 0.830 1.000 1.000 1.000


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


0.522 0.816 0.640 1.000 1.000 1.000 1.000 1.000 1.000

296


continued….

Model 2

BANK 2007 2008 2009


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


0.752 0.759 0.991 0.757 0.785 0.964 0.653 0.676 0.966


0.694 0.719 0.965 0.715 0.718 0.995 0.650 0.657 0.990


Dena Bank 0.735 0.753 0.975 0.733 0.776 0.945 0.668 0.699 0.956


0.763 0.784 0.973 0.774 0.780 0.991 0.742 0.744 0.998


0.804 0.820 0.981 0.915 0.921 0.994 0.818 0.856 0.955


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


0.839 0.846 0.991 0.782 0.801 0.976 0.751 0.772 0.973


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



0.952 0.973 0.979


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


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


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


0.896 1.000 0.896 0.845 0.923 0.916 0.902 0.943 0.956


1.000 1.000 1.000 1.000 1.000 1.000 0.896 0.953 0.940


Dena Bank 0.995 1.000 0.995 1.000 1.000 1.000 0.963 0.966 0.997


1.000 1.000 1.000 1.000 1.000 1.000


0.884 1.000 0.884 1.000 1.000 1.000 1.000 1.000 1.000


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



Vijaya Bank 0.866 0.979 0.885 0.884 1.000 0.884 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


298


continued…..

Model 3

BANK 1998 1999 2000


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


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


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



Vijaya Bank 0.855 0.878 0.974 0.878 0.901 0.975 0.937 0.945 0.991


Axis Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000


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


continued…..

Model 3

BANK 2001 2002 2003


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



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


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



Vijaya Bank 0.926 0.927 0.999 0.950 0.951 0.999 0.963 0.970 0.993


Axis Bank Ltd. 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000


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



300


continued…..

Model 3

BANK 2004 2005 2006


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


0.909 0.971 0.937 0.887 0.893 0.993


0.966 0.980 0.986 0.918 0.921 0.997 0.887 0.891 0.996


Dena Bank 0.909 0.909 1.000 0.868 0.885 0.981 0.913 0.916 0.997


0.950 0.953 0.997 0.974 0.974 1.000 0.994 0.998 0.997


0.999 1.000 0.999 1.000 1.000 1.000 0.984 0.989 0.995


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


0.950 1.000 0.950 0.963 0.966 0.998 1.000 1.000 1.000


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



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


1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000

301


continued…..

Model 3

BANK 2007 2008 2009


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


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



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


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



Vijaya Bank 0.956 0.965 0.991 1.000 1.000 1.000 0.920 0.930 0.988



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



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


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


0.907 1.000 0.907 0.851 0.929 0.916 0.902 0.943 0.956


1.000 1.000 1.000 1.000 1.000 1.000 0.896 0.953 0.940


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


0.890 1.000 0.890 1.000 1.000 1.000 1.000 1.000 1.000


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



Vijaya Bank 0.866 0.972 0.890 0.877 1.000 0.877 1.000 1.000 1.000



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


303


continued….

Model 4

BANK 1998 1999 2000


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


0.861 0.937 0.919 1.000 1.000 1.000 0.992 1.000 0.992


0.890 0.972 0.916 0.873 0.944 0.925 1.000 1.000 1.000


Dena Bank 0.956 0.959 0.997 0.941 0.942 1.000 0.912 0.916 0.996


1.000 1.000 1.000 0.929 0.970 0.958 0.918 0.920 0.998


1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000 1.000


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


0.963 0.993 0.970 0.948 0.996 0.952 0.925 0.925 1.000


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



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


304


continued….

Model 4

BANK 2001 2002 2003


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


1.000 1.000 1.000 0.974 1.000 0.974 0.938 0.944 0.994


0.894 0.954 0.937 1.000 1.000 1.000 1.000 1.000 1.000


Dena Bank 0.838 0.842 0.995 0.848 0.849 0.999 0.880 0.885 0.995


0.921 0.947 0.973 0.940 0.946 0.994 0.976 1.000 0.977


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


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


0.967 0.967 0.999 0.967 0.967 1.000 0.962 0.988 0.974


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


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


1.000 1.000 1.000

305


continued….

Model 4

BANK 2004 2005 2006


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


0.929 0.974 0.953 0.873 0.881 0.990


0.986 0.993 0.993 0.954 0.958 0.996 0.853 0.860 0.992


Dena Bank 0.895 0.904 0.990 0.829 0.858 0.966 0.825 0.834 0.989


0.957 0.958 0.999 0.979 0.980 0.999 1.000 1.000 1.000


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


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


0.970 1.000 0.970 0.942 0.942 1.000 1.000 1.000 1.000


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


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


1.000 1.000 1.000 1.000 1.000 1.000 0.985 1.000 0.985

306


continued….

Model 4

BANK 2007 2008 2009


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


0.902 0.917 0.983 0.888 0.898 0.990 0.934 0.966 0.967


0.930 0.932 0.999 0.969 0.973 0.996 1.000 1.000 1.000


Dena Bank 0.864 0.889 0.972 0.847 0.860 0.984 0.905 0.951 0.952


1.000 1.000 1.000 1.000 1.000 1.000 0.964 0.970 0.994


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


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


1.000 1.000 1.000 0.933 0.958 0.973 0.983 0.986 0.997


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



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


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


% of Total 12.9% 4.3% 2.9% 20.0%

HIGH Count 140.0 26.0 18.0 184.0


% of Total 50.0% 9.3% 6.4% 65.7%

Total

Count 203.0 42.0 35.0 280.0


% of Total 72.5% 15.0% 12.5% 100.0%


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


% of Total 2.9% 11.4% 5.7% 20.0%

HIGH Count 30.0 108.0 46.0 184.0


% 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


% of Total 4.3% 2.9% 7.1% 5.7% 20.0%

HIGH Count 56 20 64 44 184


% 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

%


314

Table C5: X133 * Length of Association (in yrs)


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


% of Total 1.4% 6.4% 12.1% 20.0%

HIGH Count 38.0 66.0 80.0 184.0


% 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%


315



Table C8:X233 * Age (in Years)

Age (in Years)


X233 LOW Count 8.0 4.0 4.0 16.0


% of Total 2.9% 1.4% 1.4% 5.7%

MEDIUM Count 6.0 8.0 12.0 26.0


% of Total 2.1% 2.9% 4.3% 9.3%

HIGH Count 38.0 82.0 118.0 238.0


% of Total 13.6% 29.3% 42.1% 85.0%

Total

Count 52.0 94.0 134.0 280.0


% of Total 18.6% 33.6% 47.9% 100.0%


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


% of Total 5.0% 3.6% 0.7% 9.3%

HIGH Count 100.0 76.0 62.0 238.0


% 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

%


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


% of Total 41.4% 27.9% 15.0% 84.3%

Total

Count 140.0 84.0 56.0 280.0


% of Total 50.0% 30.0% 20.0% 100.0%



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


% of Total 28.4% 61.2% 88.1% 177.6% Total

Count 52.0 94.0 134.0 280.0


% of Total 38.8% 70.1% 100.0% 209.0% Value of chi - square = 12.01, at 4 d.f., p=0.017

318



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


% of Total 6.4% 5.0% 2.9% 14.3%

HIGH Count 98.0 72.0 54.0 224.0


% of Total 35.0% 25.7% 19.3% 80.0%

Total

Count 118.0 92.0 70.0 280.0


% of Total 42.1% 32.9% 25.0% 100.0%


X333 * Length of Association (in yrs)

No X2 test has been done

320



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


% of Total 10.4% 11.9% 7.5% 29.9%

HIGH Count 34.0 74.0 118.0 226.0


% of Total 25.4% 55.2% 88.1% 168.7%

Total

Count 52.0 94.0 134.0 280.0


% of Total 38.8% 70.1% 100.0% 209.0%




321


Age (in Years)


X433 LOW Count 72.0 12.0 12.0 96.0


% of Total 25.7% 4.3% 4.3% 34.3%

MEDIUM Count 60.0 8.0 10.0 78.0


% of Total 21.4% 2.9% 3.6% 27.9%

HIGH Count 76.0 22.0 8.0 106.0


% of Total 27.1% 7.9% 2.9% 37.9%

Total

Count 208.0 42.0 30.0 280.0


% of Total 74.3% 15.0% 10.7% 100.0%


Table C17: X433 *Educational ( Edl) Qualification

Edl Qualification

Total Graduate Post Graduate Professional

X433 LOW Count 26.0 48.0 22.0 96.0


% of Total 9.3% 17.1% 7.9% 34.3%

MEDIUM Count 8.0 44.0 26.0 78.0


% of Total 2.9% 15.7% 9.3% 27.9%

HIGH Count 10.0 64.0 32.0 106.0


% of Total 3.6% 22.9% 11.4% 37.9%

Totall

Count 44.0 156.0 80.0 280.0


% of Total 15.7% 55.7% 28.6% 100.0%


322

Table C18: X433 * Yearly Income (Rs in lakhs)




323

Table C20: X433 * Frequency of transaction (monthly)


Table C21:X533 * Gender



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


% of Total 0.7% 4.3% 4.3% 9.3%

MEDIUM Count 24.0 36.0 20.0 80.0


% of Total 8.6% 12.9% 7.1% 28.6%

HIGH Count 18.0 108.0 48.0 174.0


% of Total 6.4% 38.6% 17.1% 62.1%

Total

Count 44.0 156.0 80.0 280.0


% of Total 15.7% 55.7% 28.6% 100.0%




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


% of Total 2.9% 2.1% 1.4% 2.9% 9.3% MEDIUM Count 26 24.0 12.0 18.0 80.0


% of Total 9.3% 8.6% 4.3% 6.4% 28.6% HIGH Count 40 14.0 76.0 44.0 174.0


% of Total 14.3% 5.0% 27.1% 15.7% 62.1% Total

Count 74 44.0 92.0 70.0 280.0


% of Total 26.4% 15.7% 32.9% 25.0% 100.0%


325





326



Table C27: X633 * Age (in Years)

Age (in Years)


X633 LOW Count 34.0 8.0 10.0 52.0


% of Total 12.8% 3.0% 3.8% 19.5%

MEDIUM Count 70.0 12.0 10.0 56.0


% of Total 26.3% 4.5% 3.8% 21.1%

HIGH Count 104.0 22.0 10.0 184.0


% 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


% of Total 2.1% 7.9% 8.6% 18.6%

MEDIUM Count 26.0 42.0 24.0 92.0


% of Total 9.3% 15.0% 8.6% 32.9%

HIGH Count 12.0 92.0 32.0 136.0


% of Total 4.3% 32.9% 11.4% 48.6%

Total

Count 44.0 156.0 80.0 280.0


100.0%

% of Total 15.7% 55.7% 28.6% 100.0

%


328

Table C29:X633 * 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


% of Total 2.9% 3.6% 5.0% 7.1% 18.6%

MEDIUM Count 28 24.0 16.0 24.0 92.0


% of Total 10.0% 8.6% 5.7% 8.6% 32.9%

HIGH Count 38 10.0 62.0 26.0 136.0


% of Total 13.6% 3.6% 22.1% 9.3% 48.6%

Total

Count 74 44.0 92.0 70.0 280.0


100.0% 100.0% 100.0%

100.0%

% of Total 26.4% 15.7% 32.9% 25.0% 100.0

%


329





330




Age (in Years)


X733 LOW Count 86.0 22.0 22.0 130.0


% of Total 30.7% 7.9% 7.9% 46.4%

MEDIUM Count 52.0 10.0 6.0 68.0


% of Total 18.6% 3.6% 2.1% 24.3%

HIGH Count 70.0 10.0 2.0 82.0


% 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

%


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


% of Total 13.6% 20.7% 12.1% 46.4%

MEDIUM Count 4.0 40.0 24.0 68.0


% of Total 1.4% 14.3% 8.6% 24.3%

HIGH Count 6.0 54.0 22.0 82.0


% of Total 2.1% 19.3% 7.9% 29.3%

Total

Count 48.0 152.0 80.0 280.0


100.0%

% of Total 17.1% 54.3% 28.6% 100.0

%


332



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


% of Total 11.4% 10.0% 12.1% 12.9% 46.4%

MEDIUM Count 18 8.0 22.0 20.0 68.0


% of Total 6.4% 2.9% 7.9% 7.1% 24.3%

HIGH Count 24 8.0 36.0 14.0 82.0


% 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

%


333





334




Age (in Years)


X833 LOW Count 32.0 4.0 2.0 38.0


% of Total 11.4% 1.4% 0.7% 13.6%

MEDIUM Count 86.0 12.0 12.0 110.0


% 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


% of Total 74.3% 15.0% 10.7% 100.0%


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


% of Total 0.7% 7.9% 5.0% 13.6%

MEDIUM Count 30.0 68.0 12.0 110.0


% of Total 10.7% 24.3% 4.3% 39.3%

HIGH Count 12.0 66.0 54.0 132.0


% of Total 4.3% 23.6% 19.3% 47.1%

Total

Count 44.0 156.0 80.0 280.0


100.0%

% of Total 15.7% 55.7% 28.6% 100.0

%



336


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


% of Total 4.3% 1.4% 1.4% 6.4% 13.6%

MEDIUM Count 32 26.0 30.0 22.0 110.0


% of Total 11.4% 9.3% 10.7% 7.9% 39.3%

HIGH Count 30 14.0 58.0 30.0 132.0


% of Total 10.7% 5.0% 20.7% 10.7% 47.1%

Total

Count 74 44.0 92.0 70.0 280.0


% of Total 26.4% 15.7% 32.9% 25.0% 100.0%


337

Table C42:X833 * Length of Association (in yrs)


Table C43:X833 * Frequency of transaction (monthly)


338




Age (in Years)


X933 LOW Count 84.0 14.0 4.0 102.0


% of Total 30.0% 5.0% 1.4% 36.4%

MEDIUM Count 29.0 9.0 6.0 44.0


% of Total 10.4% 3.2% 2.1% 15.7%

HIGH Count 94.0 18.0 22.0 134.0


% of Total 33.6% 6.4% 7.9% 47.9%

Total

Count 207.0 41.0 32.0 280.0


% of Total 73.9% 14.6% 11.4% 100.0%


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


% of Total 0.4% 0.7% 5.7% 8.9% 15.7%

HIGH Count 8 30.0 68.0 28.0 134.0


% 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

%



340


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


% of Total 11.4% 3.6% 12.1% 9.3% 36.4%



% of Total 1.4% 1.4% 6.4% 6.4% 15.7%

HIGH Count 38 30 40 26 134


% 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

%



341





342



Age (in Years)


X1033 LOW Count 126.0 22.0 22.0 170.0


MEDIUM Count 40.0 12.0 2.0 54.0


% of Total 14.3% 4.3% 0.7% 19.3%

HIGH Count 42.0 8.0 6.0 56.0


Total

Count 208.0 42.0 30.0 280.0


% of Total 74.3% 15.0% 10.7% 100.0%



343

Edl Qualification

Total Graduat

e

Post Graduat

e Profession

al

X1033 LOW Count 30.0 92.0 48.0 170.0


% of Total 10.7% 32.9% 17.1% 60.7%

MEDIUM Count 12.0 32.0 10.0 54.0


% of Total 4.3% 11.4% 3.6% 19.3%

HIGH Count 2.0 32.0 22.0 56.0


% of Total 0.7% 11.4% 7.9% 20.0%

Total

Count 44.0 156.0 80.0 280.0


100.0%

% of Total 15.7% 55.7% 28.6% 100.0

%


344



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


% of Total 20.9% 8.6% 19.4% 11.5% 60.4%



% of Total 3.6% 3.6% 7.9% 4.3% 19.4%

HIGH Count 6 10 16 24 56


% of Total 2.1% 3.6% 5.7% 8.6% 20.0%

Total

Count 74 44 92 70 278


100.0% 100.0% 100.0%

100.0%

% of Total 26.6% 15.8% 33.1% 25.2% 100.0

%


345





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


% of Total 0.8% 4.5% 16.5% 20.3% 42.1%

Total

Count 21.0 32.0 94.0 133.0 280.0


% 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


Value of Chi - square = 0.067, at 2d.f., p=0.967


Age (in Years)


X1133 LOW Count 32.0 10.0 8.0 50.0


% of Total 11.4% 3.6% 2.9% 17.9%

MEDIUM Count 54.0 10.0 10.0 74.0


HIGH Count 122.0 22.0 12.0 156.0


% of Total 43.6% 7.9% 4.3% 55.7%

Total

Count 208.0 42.0 30.0 280.0


% of Total 74.3% 15.0% 10.7% 100.0%


347


Edl Qualification

Total Graduate Post


X1133 LOW Count 10.0 20.0 20.0 50.0


% of Total 3.6% 7.1% 7.1% 17.9%

MEDIUM Count 24.0 30.0 20.0 74.0


% of Total 8.6% 10.7% 7.1% 26.4%

HIGH Count 10.0 106.0 40.0 156.0


% of Total 3.6% 37.9% 14.3% 55.7%

Total

Count 44.0 156.0 80.0 280.0


% of Total 15.7% 55.7% 28.6% 100.0%




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


% of Total 2.1% 3.6% 7.1% 5.0% 17.9%



% of Total 6.4% 7.9% 5.0% 7.1% 26.4%

HIGH Count 50 12 58 36 156


% of Total 17.9% 4.3% 20.7% 12.9% 55.7%

Total

Count 74 44 92 70 280


% 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





349




NO X2 test

350

Table C63:X1233 *Educational( Edl) Qualification

Edl Qualification

Total Graduat

e Post


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


% 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


% of Total 15.7% 55.7% 28.6% 100.0%


Table C64:X1233 * Yearly Income (Rs in lacs)


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


% of Total 0.0% 2.1% 2.1% 4.3% 8.6%



% of Total 9.3% 7.9% 9.3% 7.9% 34.3%

HIGH Count 48 16 60 36 160


% of Total 17.1% 5.7% 21.4% 12.9% 57.1%

Total

Count 74 44 92 70 280


% of Total 26.4% 15.7% 32.9% 25.0% 100.0%


351





352





353



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


% of Total 2.0% 2.6% 0.7% 5.2%

HIGH Count 108.0 92.0 70.0 270.0


% of Total 38.6% 32.9% 25.0% 96.4%

Total

Count 118.0 104.0 84.0 306.0


% of Total 38.6% 34.0% 27.5% 100.0%


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


% of Total 3.6% 0.7% 4.6% 8.9%

MEDIUM Count 4.0 8.0 6.0 18.0


% of Total 1.4% 2.9% 2.1% 6.4%

HIGH Count 126.0 72.0 39.0 237.0


% of Total 45.0% 25.7% 13.9% 84.6%

Total

Count 140.0 82.0 58.0 280.0


% of Total 50.0% 29.3% 20.7% 100.0%


355



Total 1-2 times 3-4 times

>5 times

X1333 LOW Count 16.0 6.0 6.0 28.0


% of Total 12.0% 4.5% 4.5% 21.1%

MEDIUM Count 7.0 6.0 6.0 19.0


% of Total 5.3% 4.5% 4.5% 14.3%

HIGH Count 31.0 81.0 121.0 233.0


% of Total 23.3% 60.9% 91.0% 175.2%

Total

Count 54.0 93.0 133.0 280.0


% of Total 40.6% 69.9% 100.0% 210.5%




356


Age (in Years)


X1433 LOW Count 44.0 10.0 8.0 62.0


% of Total 15.7% 3.6% 2.9% 22.1%

MEDIUM Count 66.0 16.0 10.0 92.0


% of Total 23.6% 5.7% 3.6% 32.9%

HIGH Count 98.0 16.0 12.0 126.0


Total

Count 208.0 42.0 30.0 280.0


% of Total 74.3% 15.0% 10.7% 100.0%



Edl Qualification

Total Graduat

e Post-

Graduate Professiona

l

X1433 LOW Count 20.0 32.0 10.0 62.0


% of Total 7.1% 11.4% 3.6% 22.1%

MEDIUM Count 18.0 48.0 26.0 92.0


% of Total 6.4% 17.1% 9.3% 32.9%

HIGH Count 6.0 76.0 44.0 126.0


% of Total 2.1% 27.1% 15.7% 45.0%

Total

Count 44.0 156.0 80.0 280.0


100.0%

% of Total 15.7% 55.7% 28.6% 100.0

%


357



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


% of Total 8.6% 6.5% 3.6% 3.6% 22.3%



% of Total 5.0% 6.5% 11.5% 9.4% 32.4%

HIGH Count 36 8 48 34 126


% of Total 12.9% 2.9% 17.1% 12.1% 45.0%

Total

Count 74 44 90 70 278


100.0% 100.0%

100.0% 100.0% 100.0%

% of Total 26.6% 15.8% 32.4% 25.2% 100.0%


358





359




Age (in Years)


X1533 LOW Count 96.0 10.0 14.0 120.0


% of Total 34.3% 3.6% 5.0% 42.9%

MEDIUM Count 58.0 14.0 10.0 82.0


% of Total 20.7% 5.0% 3.6% 29.3%

HIGH Count 54.0 18.0 6.0 78.0


Total

Count 208.0 42.0 30.0 280.0


% of Total 74.3% 15.0% 10.7% 100.0%


360


Edl Qualification

Total Graduat

e

Post Graduat

e Professiona

l

X1533 LOW Count 20.0 76.0 24.0 120.0


% of Total 5.2% 19.8% 6.3% 31.3%

MEDIUM Count 14.0 38.0 82.0 134.0


% of Total 3.6% 9.9% 21.4% 34.9%

HIGH Count 10.0 42.0 78.0 130.0


% of Total 2.6% 10.9% 20.3% 33.9%

Total

Count 44.0 156.0 184.0 384.0


100.0%

% of Total 11.5% 40.6% 47.9% 100.0

%


361



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


% of Total 11.4% 8.6% 12.9% 10.0% 42.9%



% of Total 6.4% 2.9% 11.4% 8.6% 29.3%

HIGH Count 24 12 24 18 78


% of Total 8.6% 4.3% 8.6% 6.4% 27.9%

Total

Count 74 44 92 70 280


100.0% 100.0% 100.0%

100.0%

% of Total 26.4% 15.7% 32.9% 25.0% 100.0

%


362





363


Value of Chi - square = .056, at 6 d.f., p=0.972


Age (in Years)


X1633 LOW Count 68.0 4.0 10.0 82.0


MEDIUM Count 22.0 16.0 6.0 44.0


% of Total 7.9% 5.7% 2.1% 15.7%

HIGH Count 118.0 22.0 14.0 154.0


Total

Count 208.0 42.0 30.0 280.0


% of Total 74.3% 15.0% 10.7% 100.0%


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


% of Total 5.7% 17.1% 6.4% 29.3%

MEDIUM Count 8.0 24.0 12.0 44.0


% of Total 2.9% 8.6% 4.3% 15.7%

HIGH Count 20.0 84.0 50.0 154.0


% of Total 7.1% 30.0% 17.9% 55.0%

Total

Count 44.0 156.0 80.0 280.0


% of Total 15.7% 55.7% 28.6% 100.0%


365



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


% of Total 10.0% 5.7% 6.4% 7.1% 29.3%



% of Total 1.4% 3.6% 6.4% 4.3% 15.7%

HIGH Count 42 18 56 38 154


% of Total 15.0% 6.4% 20.0% 13.6% 55.0%

Total

Count 74 44 92 70 280


100.0%

100.0%

100.0% 100.0% 100.0%

% of Total 26.4% 15.7% 32.9% 25.0% 100.0%


366





367




Age (in Years)


X1733 LOW Count 78.0 8.0 4.0 90.0


% of Total 27.9% 2.9% 1.4% 32.1%

MEDIUM Count 38.0 10.0 10.0 58.0


HIGH Count 92.0 24.0 16.0 132.0


% of Total 32.9% 8.6% 5.7% 47.1%

Total

Count 208.0 42.0 30.0 280.0


% of Total 74.3% 15.0% 10.7% 100.0%

Value of chi - square = 12, at 4 d.f., p=0.017

368


Edl Qualification

Total Graduat

e

Post Graduat

e Profession

al

X1733 LOW Count 20.0 52.0 18.0 90.0


% 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


% of Total 5.7% 26.4% 15.0% 47.1%

Total

Count 44.0 156.0 80.0 280.0


100.0%

% of Total 15.7% 55.7% 28.6% 100.0

%


369



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


% of Total 9.3% 5.0% 8.6% 9.3% 32.1%



% of Total 2.9% 3.6% 10.7% 3.6% 20.7%

HIGH Count 40 20 38 34 132


% of Total 14.3% 7.1% 13.6% 12.1% 47.1%

Total

Count 74 44 92 70 280


% of Total 26.4% 15.7% 32.9% 25.0% 100.0%


370




Value of Chi - square = 6.470 , at 6 d.f., p=0.373

371




Age (in Years)


X1833 LOW Count 96.0 22.0 12.0 130.0


MEDIUM Count 64.0 8.0 10.0 82.0


% of Total 22.9% 2.9% 3.6% 29.3%

HIGH Count 48.0 12.0 8.0 68.0


% of Total 17.1% 4.3% 2.9% 24.3%

Total

Count 208.0 42.0 30.0 280.0


% of Total 74.3% 15.0% 10.7% 100.0%


372


Edl Qualification

Total Graduat

e

Post Graduat

e Professiona

l

X1833 LOW Count 14.0 68.0 48.0 130.0


% of Total 5.0% 24.3% 17.1% 46.4%

MEDIUM Count 26.0 38.0 18.0 82.0


% of Total 9.3% 13.6% 6.4% 29.3%

HIGH Count 4.0 50.0 14.0 68.0


% of Total 1.4% 17.9% 5.0% 24.3%

Total

Count 44.0 156.0 80.0 280.0


100.0%

% of Total 15.7% 55.7% 28.6% 100.0

%


373



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


% of Total 10.7% 7.9% 15.0% 12.9% 46.4%



% of Total 9.3% 4.3% 10.7% 5.0% 29.3%

HIGH Count 18 10 20 20 68


% of Total 6.4% 3.6% 7.1% 7.1% 24.3%

Total

Count 74 44 92 70 280


% of Total 26.4% 15.7% 32.9% 25.0% 100.0%


374





375





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


% of Total 7.1% 38.6% 21.4% 67.1%

MEDIUM Count 2.0 16.0 8.0 26.0


% of Total 0.7% 5.7% 2.9% 9.3%

HIGH Count 22.0 32.0 12.0 66.0


% of Total 7.9% 11.4% 4.3% 23.6%

Total

Count 44.0 156.0 80.0 280.0


100.0%

% of Total 15.7% 55.7% 28.6% 100.0

%


377



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


% of Total 15.7% 8.6% 25.7% 17.1% 67.1%



% of Total 3.6% 1.4% 1.4% 2.1% 8.6%

HIGH Count 20 16 16 16 68


% of Total 7.1% 5.7% 5.7% 5.7% 24.3%

Total

Count 74 44 92 70 280


% of Total 26.4% 15.7% 32.9% 25.0% 100.0%


378





Total 1-2 3-4 5 or more

X1933 LOW Count 30.0 68.0 90.0 188.0


% of Total 22.4% 50.7% 67.2% 140.3%

MEDIUM Count 4.0 12.0 8.0 24.0


% of Total 3.0% 9.0% 6.0% 17.9%

HIGH Count 18.0 14.0 36.0 68.0


% of Total 13.4% 10.4% 26.9% 50.7%

Total

Count 52.0 94.0 134.0 280.0


% of Total 38.8% 70.1% 100.0% 209.0%


379




Age (in Years)


X2033 LOW Count 16.0 7.0 1.0 24.0


MEDIUM Count 74.0 14.0 12.0 100.0


% of Total 26.4% 5.0% 4.3% 35.7%

HIGH Count 118.0 20.0 18.0 156.0


Total

Count 208.0 41.0 31.0 280.0


% of Total 74.3% 14.6% 11.1% 100.0%


380


Edl Qualification

Total Graduat

e

Post Graduat

e Professiona

l

X2033 LOW Count 6.0 14.0 6.0 26.0


% of Total 2.1% 5.0% 2.1% 9.3%

MEDIUM Count 18.0 56.0 24.0 98.0


% of Total 6.4% 20.0% 8.6% 35.0%

HIGH Count 20.0 86.0 50.0 156.0


% of Total 7.1% 30.7% 17.9% 55.7%

Total

Count 44.0 156.0 80.0 280.0


100.0%

% of Total 15.7% 55.7% 28.6% 100.0

%


381



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


% of Total 1.4% 2.1% 2.1% 3.6% 9.3% MEDIUM Count 20 22 30 26 98


% of Total 7.1% 7.9% 10.7% 9.3% 35.0% HIGH Count 50 16 56 34 156


% of Total 17.9% 5.7% 20.0% 12.1% 55.7% Total

Count 74 44 92 70 280


% of Total 26.4% 15.7% 32.9% 25.0% 100.0%




382



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

Documents

Appendix A - INFLIBNETshodhganga.inflibnet.ac.in/bitstream/10603/4516/15/15... · 2015-12-04 · Punjab & Sind Bank Punjab National Bank Union Bank Of India United Bank Of India State