Performance of Banking Through Credit Deposit Ratio in Public Sector Banks in India
Performance of Banking Through Credit Deposit Ratio in Public Sector Banks in India
Performance of Banking Through Credit Deposit Ratio in Public Sector Banks in India
I.
INTRODUCTION
Literature Review
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IRACST- International Journal of Research in Management & Technology (IJRMT), ISSN: 2249-9563
Vol.6, No.4, July-August 2016
IV.
HYPOTHESIS
15
IRACST- International Journal of Research in Management & Technology (IJRMT), ISSN: 2249-9563
Vol.6, No.4, July-August 2016
Source: RBI Reports RBI Annual Report, A Profile of Banks, 2014- 15.
182
-.16
1.67
.7777
.33892
ROE
182
-21.73
30.64
13.6405
6.74515
NIM
182
.82
3.62
2.4538
.47287
CD
182
58.98
92.03
74.3902
5.57415
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IRACST- International Journal of Research in Management & Technology (IJRMT), ISSN: 2249-9563
Vol.6, No.4, July-August 2016
Pearson Correlation
Sig. (1-tailed)
ROE
NIM
CD
ROE
.867
**
.000
NIM
.498
CD
**
.013
.000
182
182
182
182
.867**
.372**
.019
Sig. (1-tailed)
.000
.000
.401
182
182
182
.242**
Pearson Correlation
.498** .372**
Unstandardized
Coefficients
.431
Pearson Correlation
182
Sig. (1-tailed)
.000
.000
.001
182
182
182
182
Pearson Correlation
.013
.019
.242**
Sig. (1-tailed)
.431
.401
.001
182
182
182
182
Model
Std. Error
1 (Constant)
.719
.338
.001
.005
CD
Standardized
Coefficients
Beta
Sig.
2.128 .035
.013
.174 .862
B. Hypothesis 2
: There is no significant impact of CDR on ROE of Indian
public sector banks.
Simple Linear Regression
HYPOTHESES TESTING
A. Hypothesis 1
: There is no significant impact of CDR on ROA of Indian
public sector banks.
Simple Linear Regression
Regression analysis is a commonly applied data analysis
technique for measuring the linear relationships between 2 or
more variables (Hair et al., 2003). From the table 7 the
regression equation is
Std. Error
1 (Constant)
11.958
6.727
.023
.090
CD
Standardized
Coefficients
Beta
Sig.
1.778 .077
.019
.251 .802
C. Hypothesis 3
: There is no significant impact of CDR on NIM of Indian
public sector banks.
Simple Linear Regression
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IRACST- International Journal of Research in Management & Technology (IJRMT), ISSN: 2249-9563
Vol.6, No.4, July-August 2016
Standardized
Coefficients
Model
Std. Error
1 (Constant)
.930
.458
.020
.006
CD
Beta
Sig.
2.031 .044
.242
3.339 .001
Rejected
CONCLUSION
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