Table 4 Descriptive statistics of banks... | Emerald Publishing

Table 4

Descriptive statistics of banks in India, 2013–2022

		(1)	(2)	(3)	(4)	(5)	(6)
Variables	Description	N	Mean	Median	Standard deviation	Minimum	Maximum
TA	Total Assets INR Million	426	330,406.18	161,890.00	553,886.02	1,117.45	4,987,597.41
NLTA	Natural Log of Total Assets	426	11.90	11.99	1.36	7.02	15.42
T20DEP	Top 20 Depositors Share	426	12.44	10.62	8.30	2.92	71.29
T20ADV	Top 20 Borrowers Share	426	14.16	13.16	8.22	0.57	99.83
NIM	Net Interest Margin	426	2.78	2.58	0.99	1.02	9.62
NNPAR	Net nonperforming assets ratio	426	3.51	2.65	3.13	0.00	16.89
CDR	Credit-to-deposits ratio	426	75.65	74.29	27.04	42.39	556.02
GDPR	Gross domestic product growth rate	426	5.92	32.18	3.69	−5.78	9.69
REP	Repo rate	426	6.42	6.46	1.25	4.00	7.86
CASAR	Current account and savings account ratio	426	33.18	32.18	9.74	5.21	60.68
CTAR	Cash-to-total assets ratio	426	0.09	0.07	0.06	0.03	0.52
NLZScore	Natural log of Z-Score	419	−0.75	−0.72	2.01	−6.20	4.87
SLSS	Lending to sensitive sector-to-total assets ratio	426	0.11	0.11	0.05	0.00	0.28
SPRIO	Lending to priority sector-to-total assets ratio	426	0.22	0.21	0.08	0.01	0.67
SUSL	Unsecured lending-to-total assets ratio	426	0.08	0.07	0.07	0.00	0.63
LLPOPR	Loan loss provision-to-operating profits ratio	426	1.02	0.47	11.39	−73.42	198.52

		(1)	(2)	(3)	(4)	(5)	(6)
Variables	Description	N	Mean	Median	Standard deviation	Minimum	Maximum
TA	Total Assets INR Million	426	330,406.18	161,890.00	553,886.02	1,117.45	4,987,597.41
NLTA	Natural Log of Total Assets	426	11.90	11.99	1.36	7.02	15.42
T20DEP	Top 20 Depositors Share	426	12.44	10.62	8.30	2.92	71.29
T20ADV	Top 20 Borrowers Share	426	14.16	13.16	8.22	0.57	99.83
NIM	Net Interest Margin	426	2.78	2.58	0.99	1.02	9.62
NNPAR	Net nonperforming assets ratio	426	3.51	2.65	3.13	0.00	16.89
CDR	Credit-to-deposits ratio	426	75.65	74.29	27.04	42.39	556.02
GDPR	Gross domestic product growth rate	426	5.92	32.18	3.69	−5.78	9.69
REP	Repo rate	426	6.42	6.46	1.25	4.00	7.86
CASAR	Current account and savings account ratio	426	33.18	32.18	9.74	5.21	60.68
CTAR	Cash-to-total assets ratio	426	0.09	0.07	0.06	0.03	0.52
NLZScore	Natural log of Z-Score	419	−0.75	−0.72	2.01	−6.20	4.87
SLSS	Lending to sensitive sector-to-total assets ratio	426	0.11	0.11	0.05	0.00	0.28
SPRIO	Lending to priority sector-to-total assets ratio	426	0.22	0.21	0.08	0.01	0.67
SUSL	Unsecured lending-to-total assets ratio	426	0.08	0.07	0.07	0.00	0.63
LLPOPR	Loan loss provision-to-operating profits ratio	426	1.02	0.47	11.39	−73.42	198.52

Source(s): Authors' estimates