Productivity and Profitability of State Bank of India and its Associate Banks in changingScenario of Indian Economy

State Bank of India and its Associate Banks are functioning in a changed statutory, regulatory, and global competitive market environment. These public sector banks have adopted a market and customer focus business culture in a competitive market. Therefore bank management of these banks has been highly sensitized for productivity and profitability performance with commitment to social responsibilities. So, an attempt is made to analyze the productivity and profitability performance of these banks in an emerging scenario of post economic and banking sector reforms.S.B. Of Bikaner and Jaipur, and S.B. of Travancore have shown a positive relationship between productivity of human resources, branch productivity and profitability for the period under study.

S.B. of Hyderabad, S. B. Indore, S.B. of Mysore and S.B. of Patiala have shown an inverse relationship between productivity of human resources, branch productivity and profitability for the period under study. Their profitability was adversely affected due to an increase in their Assets Burden Ratio (ABR) for the period under study. These banks should sensitize their personnel for recovery drive, effectively practice risk management, risk based supervision, and risk based audit and governance.