Sr.No.

Name of the Bank 2014-15 2015-16 2016-17 2017-18 2018-19

1 Andhra Bank 3.57 2.81 0.86 -16.77 -13.28
2 Bank of India 3.59 -13.65 -17.01 -33.33 -44.68
3 Bank of Baroda 7.17 -11.00 2.82 -4.83 0.77
4 Bank of Maharashtra 3.30 0.72 -10.12 -9.09 -38.59
5 Canara Bank 5.60 -5.75 2.29 -8.76 0.65
6 Central Bank of India 2.14 -5.10 -8.86 -19.15 -22.52
7 Indian Bank 5.84 3.94 7.70 6.45 1.53
8 Indian Overseas Bank -1.74 -11.12 -14.80 -29.08 -17.12
9 IDBI Bank Limited 2.72 -11.61 -16.13 -27.42 -59.58
10 Oriental Bank of Co 3.52 0.71 -5.16 -29.10 0.27
11 Punjab & Sind Bank 1.35 3.64 2.30 -8.72 -5.79
12 Punjab National Bank 5.87 -7.44 2.36 -21.59 -17.00
13 State Bank of India 7.49 5.19 4.97 -2.47 0.31
14 Syndicate Bank 6.42 -6.39 1.36 -13.10 -10.81
15 UCO Bank 5.33 -13.89 -10.04 -29.30 -27.27
16 Union Bank of India 5.00 3.77 1.48 -13.90 -7.65
17 IDFC First Bank Ltd 0.00 11.52 10.68 8.55 -15.09
18 United Bank of India 2.15 -2.47 1.89 -13.78 -21.16

Hypotheses of the
study
To validate the results of
the study, following
hypotheses have been
formulated,

H01: There is no
significance difference
among net profit margin
of the selected banks.

H02: There is no
significance difference
among return on equity
of the selected banks.
H03: There is no
significance difference
among interest income
to total income ratio of
the selected banks.
Averge Rank
-4.56 9 Anova: Single Factor
-21.02 17
-1.01 4 SUMMARY
-10.76 14 Groups Count Sum Average Variance
-1.19 5 Andhra Bank 5 -22.8116 -4.56232 93.75877
-10.70 13 Bank of India 5 -105.0856 -21.01711 346.8113
5.09 1 Bank of Baroda 5 -5.057941 -1.011588 49.80225
-14.77 15 Bank of Maharashtra 5 -53.78499 -10.757 276.7722
-22.41 18 Canara Bank 5 -5.974558 -1.194912 34.92458
-5.95 10 Central Bank of India 5 -53.47955 -10.69591 102.6891
-1.44 6 Indian Bank 5 25.46431 5.092862 5.809346
-7.56 12 Indian Overseas Bank 5 -73.86077 -14.77215 98.32994
3.10 3 IDBI Bank Limited 5 -112.0253 -22.40506 548.5147
-4.51 8 Oriental Bank of Commerce 5 -29.75852 -5.951704 177.2614
-15.03 16 Punjab & Sind Bank 5 -7.223138 -1.444628 29.87073
-2.26 7 Punjab National Bank 5 -37.80769 -7.561538 141.1492
3.13 2 State Bank of India 5 15.48288 3.096575 16.47974
-6.68 11 Syndicate Bank 5 -22.52688 -4.505376 67.7248
UCO Bank 5 -75.16611 -15.03322 198.5182
Union Bank of India 5 -11.30095 -2.260189 66.93267

IDFC First Bank Ltd 5 15.66942 3.133885 124.625

United Bank of India 5 -33.37506 -6.675013 107.2811

ANOVA
Source of Variation SS df MS F
Between Groups 5354.2582829 17 314.9564 2.279306
Within Groups 9949.0203879 72 138.1808

Total 15303.278671 89
P-value F crit
0.008267 1.766577
Sr.No. Name of the Bank 2014-15 2015-16 2016-17 2017-18
1 Andhra Bank 1.78 1.75 1.79 1.88
2 Bank of India 6.70 -26.10 -7.78 -31.07
3 Bank of Baroda 9.21 -17.64 4.53 -7.64
4 Bank of Maharashtra 6.68 1.39 -24.92 -42.43
5 Canara Bank 11.06 -10.69 4.15 -16.74
6 Central Bank of India 1.62 1.57 1.59 1.48
7 Indian Bank 1.16 1.11 1.06 1.06
8 Indian Overseas Bank 1.67 1.66 1.68 1.63
9 IDBI Bank Limited 1.32 1.13 1.37 1.42
10 Oriental Bank of Commerce 1.60 1.47 1.50 1.71
11 Punjab & Sind Bank 1.61 1.54 1.42 1.38
12 Punjab National Bank 1.34 1.39 1.34 1.38
13 State Bank of India 11.17 7.74 7.25 -3.78
14 Syndicate Bank 1.82 2.08 1.87 1.65
15 UCO Bank 1.70 1.74 1.59 1.54
16 Union Bank of India 1.80 1.57 1.61 1.50
17 IDFC First Bank Ltd 0.00 0.30 0.65 0.66
18 United Bank of India 2.05 1.95 1.59 1.22
2018-19 Averge Rank
1.59 1.76 3 Anova: Single Factor
-24.57 -16.56 17
1.18 -2.07 15 SUMMARY
-207.99 -53.45 18 Groups Count Sum
1.40 -2.16 16 Andhra Bank 5 8.784958
1.32 1.52 8.5 Bank of India 5 -82.82
1.09 1.10 13 Bank of Baroda 5 -10.36
1.33 1.60 4 Bank of Maharashtra 5 -267.27
0.67 1.18 12 Canara Bank 5 -10.82
1.09 1.47 10 Central Bank of India 5 7.595185
1.65 1.52 8.5 Indian Bank 5 5.47739
1.31 1.35 11 Indian Overseas Bank 5 7.976676
0.48 4.57 1 IDBI Bank Limited 5 5.913333
1.45 1.77 2 Oriental Bank of Commerce 5 7.369817
1.15 1.54 7 Punjab & Sind Bank 5 7.606885
1.46 1.59 5 Punjab National Bank 5 6.761145
0.71 0.46 14 State Bank of India 5 22.86
0.95 1.55 6 Syndicate Bank 5 8.856142
UCO Bank 5 7.720842
Union Bank of India 5 7.9314
IDFC First Bank Ltd 5 2.315946
United Bank of India 5 7.755546

ANOVA
Source of Variation SS df
Between Groups 15215.3 17
Within Groups 33542.16 72

Total 48757.46 89
Average Variance
1.756992 0.010892
-16.564 245.9569
-2.072 113.7027
-53.454 7860.264
-2.164 128.1488
1.519037 0.014743
1.095478 0.001731
1.595335 0.021518
1.182667 0.093098
1.473963 0.056035
1.521377 0.013429
1.352229 0.001285
4.572 36.81047
1.771228 0.057639
1.544168 0.055437
1.58628 0.017834
0.463189 0.094009
1.551109 0.219464

MS F P-value F crit
895.0176 1.921202 0.029426 1.766577
465.8633
Sr.No. Name of the Bank 2014-15 2015-16 2016-17 2017-18
1 Andhra Bank 0.92 0.92 0.89 0.88
2 Bank of India 0.91 0.92 0.85 0.87
3 Bank of Baroda 0.91 0.90 0.86 0.87
4 Bank of Maharashtra 0.93 0.93 0.89 0.88
5 Canara Bank 0.91 0.90 0.85 0.86
6 Central Bank of India 0.93 0.93 0.90 0.90
7 Indian Bank 0.92 0.90 0.88 0.88
8 Indian Overseas Bank 0.92 0.90 0.85 0.83
9 IDBI Bank Limited 0.88 0.89 0.87 0.77
10 Oriental Bank of Commerce 0.90 0.92 0.87 0.86
11 Punjab & Sind Bank 0.95 0.95 0.93 0.93
12 Punjab National Bank 0.89 0.89 0.84 0.84
13 State Bank of India 0.87 0.85 0.83 0.83
14 Syndicate Bank 0.91 0.90 0.87 0.89
15 UCO Bank 0.91 0.92 0.89 0.93
16 Union Bank of India 0.90 0.90 0.87 0.87
17 IDFC First Bank Ltd 0.00 0.90 0.89 0.89
18 United Bank of India 0.85 0.87 0.81 0.79
2018-19 Averge Rank
0.90 4.51 4 Anova: Single Factor
0.89 4.44 8
0.89 4.43 9 SUMMARY
0.88 4.50 5 Groups Count Sum Average
0.88 4.38 12 Andhra Bank 5 4.506994 0.901399
0.90 4.56 2 Bank of India 5 4.441132 0.888226
0.91 4.49 6 Bank of Baroda 5 4.426153 0.885231
0.81 4.31 14 Bank of Maharashtra 5 4.498609 0.899722
0.87 4.27 15 Canara Bank 5 4.384527 0.876905
0.87 4.42 10.5 Central Bank of India 5 4.564282 0.912856
0.91 4.68 1 Indian Bank 5 4.488236 0.897647
0.87 4.33 13 Indian Overseas Bank 5 4.309258 0.861852
0.87 4.26 16 IDBI Bank Limited 5 4.270014 0.854003
0.91 4.48 7 Oriental Bank of Commerce 5 4.424556 0.884911
0.90 4.54 3 Punjab & Sind Bank 5 4.678137 0.935627
0.88 4.42 10.5 Punjab National Bank 5 4.333806 0.866761
0.93 3.61 18 State Bank of India 5 4.258004 0.851601
0.78 4.11 17 Syndicate Bank 5 4.475842 0.895168
UCO Bank 5 4.542818 0.908564
Union Bank of India 5 4.41944 0.883888
IDFC First Bank Ltd 5 3.610275 0.722055
United Bank of India 5 4.10892 0.821784

ANOVA
Source of Variation SS df MS
Between Groups 0.181883 17 0.010699
Within Groups 0.701802 72 0.009747

Total 0.883685 89
Variance
0.000264
0.000781
0.000382
0.000645
0.0007
0.000306
0.000377
0.002271
0.002451
0.000639
0.000256
0.000527
0.000363
0.0003
0.000253
0.000256
0.163145
0.001533

F P-value F crit
1.097642 0.373049 1.766577
 Interest Income to
Net Profit Margin Return on Equity
Sr.No. Bank Total Income
Avg Rank Avg Rank Avg Rank
1 Andhra Bank -4.56 9 1.76 3 0.90 4
2 Bank of India -21.02 17 -16.56 17 0.89 8
3 Bank of Baroda -1.01 4 -2.07 15 0.89 9
4 Bank of Maharashtra -10.76 14 -53.45 18 0.90 5
5 Canara Bank -1.19 5 -2.16 16 0.88 12
6 Central Bank of India -10.70 13 1.52 8.5 0.91 2
7 Indian Bank 5.09 1 1.30 12 0.90 6
8 Indian Overseas Bank -14.77 15 1.60 4 0.86 14
9 IDBI Bank Limited -22.41 18 1.18 13 0.85 15
10 Oriental Bank of Commerce -5.95 10 1.47 10 0.88 10
11 Punjab & Sind Bank -1.44 6 1.52 8.5 0.94 1
12 Punjab National Bank -7.56 12 1.35 11 0.87 13
13 State Bank of India 3.10 3 4.57 1 0.85 16
14 Syndicate Bank -4.51 8 1.77 2 0.90 7
15 UCO Bank -15.03 16 1.54 7 0.91 3
16 Union Bank of India -2.26 7 1.59 5 0.88 11
17 IDFC First Bank Ltd 3.13 2 0.46 14 0.72 18
18 United Bank of India -6.68 11 1.55 6 0.82 17
 Group
Avg Rank
-0.63 7
-12.23 17
-0.73 8
-21.10 18
-0.83 9
-2.75 13
2.43 2
-4.11 14
-6.79 16
-1.20 10
0.34 4
-1.78 12
2.84 1
-0.61 6
-4.19 15
0.07 5
1.44 3
-1.43 11