Below is a profile of the smaller banks in the private sector, which are seen playing a major role in a sector consolidation.
JAMMU AND KASHMIR BANK LTD
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Total assets: 786.2 billion rupees ($12.7 billion)
Net bad loans %: 0.22
Capital Adequacy ratio: 12.69
Return on Equity %: 21
Return on Assets %: 1.74
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Total assets: 786.2 billion rupees ($12.7 billion)
Net bad loans %: 0.22
Capital Adequacy ratio: 12.69
Return on Equity %: 21
Return on Assets %: 1.74
FEDERAL BANK LTD
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Total assets: 745.94 billion rupees ($12 billion)
Net bad loans %: 0.74
Capital Adequacy ratio: 14.73
Return on Equity %: 12
Return on Assets %:1.20
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Total assets: 745.94 billion rupees ($12 billion)
Net bad loans %: 0.74
Capital Adequacy ratio: 14.73
Return on Equity %: 12
Return on Assets %:1.20
SOUTH INDIAN BANK LTD
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Total assets: 549.86 billion rupees ($8.9 billion)
Net bad loans %: 0.78
Capital Adequacy ratio: 12.42
Return on Equity %: 15
Return on Assets %: 1
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Total assets: 549.86 billion rupees ($8.9 billion)
Net bad loans %: 0.78
Capital Adequacy ratio: 12.42
Return on Equity %: 15
Return on Assets %: 1
KARUR VYSYA BANK LTD
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Total assets: 515.43 billion rupees ($8.3 billion)
Net bad loans %: 0.41
Capital Adequacy ratio: 12.60
Return on Equity %: 13
return on Assets %: 0.86
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Total assets: 515.43 billion rupees ($8.3 billion)
Net bad loans %: 0.41
Capital Adequacy ratio: 12.60
Return on Equity %: 13
return on Assets %: 0.86
KARNATAKA BANK LTD
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Total assets: 363.22 billion rupees ($5.9 billion)
Net bad loans %: 1.91
Capital Adequacy ratio: 13.20
Return on Equity %: 10
Return on Assets %: 0.71
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Total assets: 363.22 billion rupees ($5.9 billion)
Net bad loans %: 1.91
Capital Adequacy ratio: 13.20
Return on Equity %: 10
Return on Assets %: 0.71
TAMILNAD MERCANTILE BANK LTD
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Total assets: 263.98 billion rupees ($4.3 billion)
Net bad loans %: 1.22
Capital Adequacy ratio: 15.59
Return on Assets %: 1.19
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Total assets: 263.98 billion rupees ($4.3 billion)
Net bad loans %: 1.22
Capital Adequacy ratio: 15.59
Return on Assets %: 1.19
CITY UNION BANK LTD
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Total assets: 249.94 billion rupees ($4 billion)
Net bad loans %: 1.23
Capital Adequacy ratio: 15.01
Return on Equity %: 3
Return on Assets %: 1.44
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Total assets: 249.94 billion rupees ($4 billion)
Net bad loans %: 1.23
Capital Adequacy ratio: 15.01
Return on Equity %: 3
Return on Assets %: 1.44
LAKSHMI VILAS BANK LTD
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Total assets: 206.53 billion Indian rupees ($3.3 billion)
Net bad loans %: 3.44
Capital Adequacy ratio: 10.90
Return on Equity %: 6
Return on Assets %: 0.32
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Total assets: 206.53 billion Indian rupees ($3.3 billion)
Net bad loans %: 3.44
Capital Adequacy ratio: 10.90
Return on Equity %: 6
Return on Assets %: 0.32
RBL BANK
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Total assets: 181.98 billion Indian rupees ($2.9billion)
Net bad loans %: 0.31
Capital Adequacy ratio: 14.64
Return on Assets %: 0.67
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Total assets: 181.98 billion Indian rupees ($2.9billion)
Net bad loans %: 0.31
Capital Adequacy ratio: 14.64
Return on Assets %: 0.67
CATHOLIC SYRIAN BANK LTD
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Total assets: 153.16 billion rupees($2.5 billion)
Net bad loans %: 2.22
Capital Adequacy ratio: 11
Return on Assets %: 0.18
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Total assets: 153.16 billion rupees($2.5 billion)
Net bad loans %: 2.22
Capital Adequacy ratio: 11
Return on Assets %: 0.18
DHANLAXMI BANK LTD
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Total assets: 146.88 billion rupees ($2.4 billion)
Net bad loans %: 1.60
Capital Adequacy ratio: 8.67
Return on Equity %: -34
Return on Assets %: -1.86
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Total assets: 146.88 billion rupees ($2.4 billion)
Net bad loans %: 1.60
Capital Adequacy ratio: 8.67
Return on Equity %: -34
Return on Assets %: -1.86
DCB BANK LTD
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Total assets: 129.23 billion rupees($2.1 billion)
Net bad loans %: 0.91
Capital Adequacy ratio: 13.71
Return on Equity %: 13
Return on Assets %: 1.31
* Metrics as of March 2014, Capital Adequacy Ratio under Basel III
* Source: Indian Banks' Association, Thomson Reuters
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Total assets: 129.23 billion rupees($2.1 billion)
Net bad loans %: 0.91
Capital Adequacy ratio: 13.71
Return on Equity %: 13
Return on Assets %: 1.31
* Metrics as of March 2014, Capital Adequacy Ratio under Basel III
* Source: Indian Banks' Association, Thomson Reuters
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