• BALWANT KUMAR BARI

The objective of this research paper is to know the difference of mean score among the three Regional Rural Banks such as Prathma Bank, Purvanchal Grameen Bank and Aryavrat Grameen Bank (Sometimes Grameen Bank of Aryavrat) with respect to various parameters like Spread Ratio, Burden Ratio, Net Interest to Total Income, Operating Profits to Total Assets, Return on Assets, Return on Net Worth and Provision Coverage Ratio. Design/methodology/approach-Three Regional Rural Banks such as Prathma Bank, Purvanchal Grameen Bank and Aryavrat Grameen Bank operating in Uttar Pradesh (India)was considered for the analysis. The data were taken from Annual Reports of RRBs andReserve Bank of India website. The parameters like Spread Ratio, Burden Ratio, Net Interest to Total Income, Operating Profits to Total Assets, Return on Assets, Return on Net Worth and Provision Coverage Ratio.The Descriptive statistics, ANOVA and Post Hoc Tools were used to examine the difference of mean score among the three Regional Rural Bank such as Prathma Bank, Purvanchal Grameen Bank and Aryavrat Grameen Bank. The study covers the period ranging from 2007-2008 to 2016-2017. Findings-The study reveals that there exists a statistically significant difference among three RRB’s such as Prathma Bank, Purvanchal Grameen Bank and Aryavrat Grameen Bank with respect to Burden Ratio, Operating Profits to Total Assets, Return on Assets and Return on Net Worth and also there was no significant difference among three RRB’s with respect to Spread Ratio, Net Interest to Total Income, and Provision Coverage Ratio.. Research limitations- Thelimitation in this research paper was the financial data of Regional Rural Bank during 2007-2008 to 2016-2017time period. Practical implications- The results thus imply that mean score of difference among three RRB’s such as Prathma Bank, Purvanchal Grameen Bank and Aryavrat Grameen Bank with respect to various parameters like Spread Ratio, Burden Ratio, Net Interest to Total Income, Operating Profits to Total Assets, Return on Assets, Return on Net Worth and Provision Coverage Ratio. Originality/value-This research paper analysis results are derived with the help of a software statistical package SPSS 23.0 by using Descriptive statistics, One Way ANOVA and Post Hoc Multiple Comparison.

Spread Ratio, Burden Ratio, Net Interest to Total Income, Operating Profits to Total Assets, Return on Assets, Return on Net Worth and Provision Coverage Ratio

"“Critical Performance Evaluation of Regional Rural Banks in Uttar Pradesh : A Comparison of Prathma Bank, Purvanchal Grameen Bank and Aryavrat Grameen Bank”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.380-400, June-2019, Available :http://www.jetir.org/papers/JETIR1907T27.pdf

"“Critical Performance Evaluation of Regional Rural Banks in Uttar Pradesh : A Comparison of Prathma Bank, Purvanchal Grameen Bank and Aryavrat Grameen Bank”", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp380-400, June-2019, Available at : http://www.jetir.org/papers/JETIR1907T27.pdf