You may need to clarify what you mean by growth. In a banking context, growth might mean increase in customer deposits, which could consist of increase in the number of depositors, increase in average deposits or both. This could arise from increased market share and/or expansion into new markets. You will find these in the Liabilities section of the balance sheet. Or you might mean increase in lending, which could consist of increase in borrowers, diversification into different borrowing markets, increase in borrowed amounts etc. You will find these in the Assets section of the balance sheet. Once you clarify what you mean by 'growth', you will know where to look.

@christopher Thanks for your response. I have found diverse parameters for assessing growth but is there a unified index or widely used parameter/index.

Dear Shivinder,

more than happy to discuss as I have more than 20 years of professional experience in banking industry and I´m doing my phd focused on banking and finance. Please find my email adress in case I can help you [email protected]

In any case, for your benefit, you can use Total loans to customers (if you are focused on credit activities), or total assets. If you are assessing revenues, you can analyze total operating revenues (as includes both interest and commissions or other revenues).

Regards

Enrique

The parameters are:

Return on assets ratio

Return on equity ratio

Ratio of non-interest income to total income

Annual change in the number of depositors

Annual change in the number of bank branches

Try to use bank size. You track growth by analysis how the variable changes over time. To get bank size, you calculate the natural logarithm of bank assets. However you need to explain what you mean by growth in his context

Thanks a lot for all your wonderful responses. I have been able to complete the analysis using total assets and total loans for bank growth.. special thanks Mr. Gomez for his inputs