Statement of casa ratio, Basel I and Basel II ratio of PSU banks and private banks of India of 2010 and

2011.
Table Data of PSU Banks N Name of the Banks years Allahabad Banki Andhra Bankii Bank of Barodaiii Bank of Indiaiv Bank of Maharashtrav Canara Bankvi Central Bank of Indiavii Corporation Bankviii Dena Bankix Indian Bankx IDBI Bankxi CASA (In %) 2010 2011 Basel 1 (In %) 2010 2011 Basel 2 (In %) 2010 2011 12.96 13.62 14.38 13.93 12.84 13.02 14.36 12.94 36.9 21.80 34.50 40.4 24 35.17 10.82 15.00 23.01 24.15 10.77 12.90 11.33 11.75 12.78 13.43 11.68 15.37 12.77 12.71 13.31 14.52 12.17 13.35 15.38 12.23 14.11 13.41 13.56 13.64 14.23 8.54 6.04 6.83 9.25 8.16 10.87 4.89 5.84 6.35 8.69 9.77 4.78 5.33 6.12 4.61 4.86 5.07 4.51 4.93 5.40 5.42 9.77 5.02 5.61 8.48 8.33 4.46 3.84 Tier I capital (In %) 2010 2011 8.12 8.57 8.18 9.68 Tier II capital (In %) 2010 2011 5.50 4.39 5.57 4.70

1 2 3 4 5 6 7 8 9 10 11 12

17.12

29.06

35.63 34.36

10.65 11.04 12.16 12.83 10.83 12.16 10.83

5.97 7.14 6.24 8.03

Oriental Bank of Commercexii 13 Indian Overseas Bankxiii 14 Punjab National Bankxiv 15 Punjab and Sind bankxv 16 Syndicate Bankxvi 1`7 State Bank of Indiaxvii 18 Union Bank of Indiaxviii 19 United Bank of Indiaxix
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12.30 12.54

29.97

32.72

14.26 13.28

14.78

14.55

8.36 8.67

7.45 8.16

5.90 6.11

5.83 6.39

38.10

14.16

12.42

11.74

11.94 11.20

13.10 11.74 13.39 12.51

12.94 13.04 11.98 12.95 13.05

6.89 7.70 7.68 8.35 9.31

4.85 5.42

4.24 4.59 3.73

47.89

12.00

10.69

7.91

8.69

4.60

4.26

38.1

40.8

11.02

11.16

12.80

20 21

Vijaya Bank
xx

24.62

25.25

11.79 11.35

12.59 11.87

12.50 13.21

13.88 13.71

UCO Bankxxi

7.28 7.69 6.06 7.05

8.96 9.88 7.46 8.61

4.51 4.81 5.29 6.16

3.65 4.00 4.49 5.19

Table 2: Data of Private Banks S N Name of the Banks CASA (In %) years Old private banks 1 Bank of Rajasthan
xxii

Basel I (in %)

Basel II (in %)

Tier I capital (In %)

Tier II capital In (in %) 2010 2011

2010 2011

2010

2011

2010

2011

2010

2011

7.74

12.00 7.52

11.50

3 4

5 6 7

8 9 10

11

Catholic Syrian bank ltd.xxiii City union 12.09 bank ltd.xxiv Dhanlaksh 12.47 mi bank ltd.xxv Federal 17.27 bank ltd.xxvi ING Vysya 32.58 34.64 14.91 bank ltd.xxvii Jammu and 40.48 14.81 Kashmir bank ltd.xxviii Karnataka bank ltd.xxix Karur vysya 23.28 bank ltd.xxx Lakshmi 14.21 Vilas bank ltd.xxxi Nainital bank ltd.
xxxii

10.82 11.22 8.07

9.42

2.75

1.80

11.09 13.46 12.75 11.15 10.30 0.94 12.41 11.84 1.05 10.8 12.99 11.80

0.79 0.91

15.39 18.36 16.79 15.27 13.79 2.00 16.92 15.63 1.44 12.94 9.36 13.30 15.89 13.72 11.91 10.99 2.90 12.79 11.33 3.10

1.60 1.16 4.55 2.31 2.39

12.37 13.33 12.16 14.41 14.82 13.39 10.78 2.41

12

Ratnakar bank ltd.xxxiii

35

36.01 59.42 34.07 56.41 35.43 58.91 0.58 33.53 55.93 0.54

0.51 0.48

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13

14

15

South Indian bank ltd.xxxiv Tamilnad mercantile bank ltd.xxxv United western bankxxxvi New private banks Bank of Punjab ltd.xxxvii Centurion bank of Punjabxxxviii HDFC bank ltd.xxxix ICICI bank ltd.xl Indusind bank ltd.xli xlii Kotak Mahindra bank ltd. Axis bankxliii

21.64 14.73 13.17 15.39 14.01 11.89 10.60 2.84 12.42 11.27 2.97 15.13 14.46

2.57 2.74 0.85

3 4 5 6

41.7 0 23.6 7

51.0 16.54 15.32 17.4 16.22 13.26 12.23 4.18 0 45.00 19.41 19.54 13.1 6.37 7 27.15 15.33 15.89 9.65 12.29 5.68 18.4 19.9 15.4 18

3.99

3.60

3.00 1.90

40.3 9

41.10

15.8 6

13.00

http://www.allahabadbank.com/pdfs/annual-report2010-11.pdf page 17 http://andhrabank.in/Download/Annual%20Report/AnnualReport2010-2011.pdf iii http://www.bankofbaroda.com/download/annualreport.pdf iv http://www.moneycontrol.com/annual-report/bankofindia/directors-report/BOI#BOI v http://www.bankofmaharashtra.in/downdocs/Bank's_Annual_Report_for_FY_2010-11.pdf vi http://www.canarabank.com/english/downloads/Canara-Bank-Annual-Report-2010-11.pdf vii http://www.centralbankofindia.co.in/upload/March%2031,%202011%20Press%20Analyst%20meet.pdf page 25 viii http://www.corpbank.com/uploadedfiles/custom/CorpBankAR2011-Low-Res.pdf page 23 ix http://www.moneycontrol.com/annual-report/denabank/chairmans-speech/DB#DB x http://www.indianbank.in/pdfs/fin/mar11/audited_financial_result_mar_2011.pdf xi http://www.idbi.com/pdf/Annual_Report_10-11.pdf page 111 xii https://www.obcindia.co.in/obcnew/upload/obc/MainMenuEnglishLevel-3_YlYResult310311.pdf xiii http://www.iob.in/uploads/CEDocuments/IOB%20Annual%20Report%202011.pdf page 35 CASA, page 117 CAR xiv http://www.pnbindia.in/new/Upload/En/financial_results-MARCH2011.pdf xv http://www.psbindia.com/downloads/Annual_Report_2010_2011.pdf page 48 xvi http://www.syndicatebank.in/downloads/Annual-Report_2010-11.pdf page 19 casa page 121 car xvii http://www.statebankoftravancore.com/new/SBT-AR-Eng-2011.pdf page 41 xviii http://www.moneycontrol.com/annual-report/unionbankindia/directors-report/UBI01#UBI01 xix http://www.unitedbankofindia.com/PageMenuDocs/annual_2011.pdf page 41 casa page 124 car
ii

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xx

http://vijayabank.com/vijaya/export/sites/vijaya-bank-internet/interneten/menus/announcements/Annual_Report_AGM/V_B_Annual_Report_English.pdf page 102 casa page 164 car xxi http://www.ucobank.com/annual-report-10-11.pdf page 41
xxii xxiii xxiv xxv

http://www.csb.co.in/uploadedfiles/customimages/CSB%20BS%202010-11%20final.pdf page 29 http://www.cityunionbank.com/PageMenuDocs/ANNUAL_REPORT_2010-11.pdf page 41

http://www.federal-bank.com/otherfiles/images/Annual%20Report2010-2011.pdf http://www.ingvysyabank.com/pdf's/Corporate%20Presentation%20-%20April%202011.pdf xxviii http://www.jkbank.net/pdfs/annrep/plugin-AnnualReport2010-11pdf4.pdf page 38 xxix http://www.moneycontrol.com/annual-report/karnatakabank/directors-report/KB04#KB04 xxx http://www.kvb.co.in/global/annual_report.html xxxi http://www.lvbank.com/UserFiles/File/LVBAnnualReport201011.pdf
xxvii xxxii xxxiii xxxiv

xxvi

http://www.ratnakarbank.co.in/pdfs/fi/Annual%20Report%202010-11.pdf page 55 http://www.southindianbank.com/UserFiles/AnnualReport_2010_11.pdf page 47

xxxv

http://www.tnmbonline.com/doc/b2p3_20110331.pdf

xxxvi xxxvii xxxviii xxxix xl

http://www.hdfcbank.com/common/pdf/corporate/Bank-Annual-Report-2011-Part1.pdf http://wiseinvestmentideas.blogspot.in/2011/05/icici-bank-q4-fy-2011-results-summary.html xli www.indusind.com/indusind/wcms/en/.../annual-reports/index.html xlii http://ir.kotak.com/downloads/annual-reports-2010-11/pdf/Annual-Report-2010-2011.pdf xliii http://wiseinvestmentideas.blogspot.in/2011/05/axis-bank-annual-report-fy-2011-review.html

Basel I
It is created in 1988 by the Basel committee in Basel in Switzerland. It sets the minimum requirements of capital for banks. It also known as Basel accord. It was enforced by the law in group of ten (G-10) countries in 1992.Figure Error! Main Document
Only.http://en.wikipedia.org/wiki/Basel_II

Following are the main purpose of Basel I are as follow. y Strengthen the stability of international banking sectors. y Decreases the competitive inequality among international banking banks. Basel I sets a definition of a bank capital which is now a days known as capital ratio.

Basel I define a capital based on two tiers.

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Tier I (core capital) - it includes share holders equity and declared reserves (loan loss reserves).

Tier II (supplementary capital) all others capital such as gain on investment assets, long term debts maturity more than five years and hidden reserves

A set of international banking regulations put forth by the Basel Committee on Bank Supervision, which set out the minimum capital requirements of financial institutions with the goal of minimizing credit risk. Banks that operate internationally are required to maintain a minimum amount (8%) of capital based on a percent of risk-weighted assets Read more: http://www.investopedia.com/terms/b/basel_I.asp#ixzz1n5wYDHNw

Definition of 'Basel II'

A set of banking regulations put forth by the Basel Committee on Bank Supervision, which regulates finance and banking internationally. Basel II attempts to integrate Basel capital standards with national regulations, by setting the minimum capital requirements of financial institutions with the goal of ensuring institution liquidity.
Read more: http://www.investopedia.com/terms/b/baselii.asp#ixzz1n5wfeMXr

Definition of 'Basel Accord'

A set of agreements set by the Basel Committee on Bank Supervision (BCBS), which provides recommendations on banking regulations in regards to capital risk, market risk and operational risk. The purpose of the accords is to ensure that financial institutions have enough capital on account to meet obligations and absorb unexpected losses. Read more: http://www.investopedia.com/terms/b/basel_accord.asp#ixzz1n5x0qlZJ

Basel II

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It is the second Basel accord. Issued by Basel committee on banking supervision. It is published in June 2004 to creation international standards for banking regulators to control how much capital bank need to put asides to guard against types of financial and operational risk banks.

Figure Error! Main Document Only.http://www.policyarchive.org/handle/10207/bitstreams/11484.pdf

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