Fee-based incomes of 19 private banks rose 43.5% to Rs 7,510 crore during the first half of the current fiscal as against the Rs 12, 382 crore or 34.5% of 26 public sector banks (PSBs). However, the fee-based incomes of private banks to the total incomes at the aggregate level showed a decrease during April-September 2007 when compared to the previous year?s first half period. In the case of PSBs, fee-based to total income ratio showed a marginal increase, but the ratio was lower than private sector banks. The aggregate total income of 19 private sector banks have increased by 48.2% from Rs 27,185 crore in April-September 2006, to Rs 40,298 crore in April-September 2007. Their total fee-based incomes increased by 43.5% during the study period, decreasing the fee-based to total income ratio from 19.25% in April-September 2006 to 18.64% in April-September 2007. State-run banks, in contrast, appeared less concerned about fee-based incomes. It has achieved a 33% growth in total income during April-September 2007, and the fee-based income has increased by 34.5% to Rs 12,382 crore during April-September 2007, from Rs 9,204 crore during April-September 2006. But the fee-based to total income ratio increased marginally from 11.09% to 11.21% during the study period. Significant increase in the ratio was seen in the case of Indian Bank. The fee-based to total income ratio of Indian Bank increased from 10.62% in April-September 2006 to 14.46% in April-September 2007.