Paper Title
Determinants Of Public Sector Banks’ Profitability - Evidences From India

Abstract
The objective of this research paper is to examine factors affecting profitability of public sector banks in India. These banks have predominant presence in Indian Banking sector. Financial well being of these banks is a matter of concern not only for the banks but also for their large customer base, policy makers and economy as a whole. This research encompasses six variables viz. Capital Adequacy Ratio, Growth in Net Profits ,Yield on Advances , Cash To Deposits, Employee Cost to Total expenses , Total Debt to Total Equity and Profit After Tax to Total Income. These variables have been critically examined over a period of ten years using various statistical techniques including multiple regression analysis. The study revealed that Yield on Advances was the most important determinant of profitability followed by Total Debt to Total Equity. Cash To Deposits ratio is found to have moderate influence on the profitability while other variables viz. Capital Adequacy Ratio, Growth in Net Profits and Employee Cost to Total expenses are found to be statistically insignificant as far as their influence on profitability of public sector banks is concerned. Keywords - Advances, Banks, India, Profitability, Yield