THE MINISTER OF STATE IN THE MINISTRY OF FINANCE
(a) and (b): The Reserve Bank of India (RBI) is the supervisor of the banking system and releases a Financial Stability Report (FSR), which contains, inter alia, its projections of gross non-performing assets (NPAs) based on macro stress tests. While the latest FSR, of January 2021, does not contain projections in respect of overall stressed advances, stressed retail advances and deposit rates, as per the report, the gross NPA ratio of scheduled commercial banks (SCBs), under the baseline scenario, may increase from 7.5 per cent in September 2020 to 13.5 per cent by September 2021.
As per RBI inputs, the said gross NPA ratio has been arrived at without factoring in the impact of the policy actions under way, viz., RBI’s resolution framework for COVID-19-related stress and one-time restructuring of loans to micro, small and medium enterprises (MSMEs), which aim to facilitate revival of real sector activities and mitigate the pandemic’s impact on borrowers. Under the said framework/scheme, resolution/restructuring of eligible loan accounts is permitted without asset classification downgrade. Therefore, the actual movement of gross NPA ratio of SCBs will depend on the extent to which the benefit of the said framework/scheme is availed of by the eligible borrowers and facilitates revival and mitigates the pandemic’s impact on borrowers.
Bank-wise details of stressed advances as a percentage of the overall advances and stressed retail advances as a percentage of the retail advances of SCBs, as at the end of each of the last five financial years and at the end of December 2020, as per RBI data, are at Annex.
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Annex
Lok Sabha Unstarred Question no. 3107, regarding Stressed Assets of Banks
Stressed advances (gross NPAs + Restructured standard advances)as a percentage of thegross advances and
stressed retail advances as a percentage of the retail advances of Scheduled Commercial Banks
Bank Stressed advances as percentage of the gross advances Stressed retail advances as percentage of the retail advances
31.3.
2016 31.3.
2017 31.3.
2018 31.3.
2019 31.3.
2020 31.12.2020 31.3.
2016 31.3.
2017 31.3.
2018 31.3.
2019 31.3.
2020 31.12.2020
AB Bank Limited 14.2 12.6 16.0 - - - - - - - - -
Abu Dhabi Commercial Bank PJSC 1.1 1.0 1.1 3.5 - - 1.2 1.1 1.1 1.3 - -
American Express Banking Corporation 1.7 1.3 1.7 3.7 2.0 2.2 1.7 1.8 2.6 2.9 2.4 2.5
Australia and New Zealand Banking Group Limited - - - 4.3 0.8 1.0 - - - - - -
Axis Bank Limited 5.1 6.6 7.0 5.2 4.2 2.9 0.7 0.9 1.3 0.8 0.7 0.3
Bandhan Bank Limited 0.2 0.5 1.3 2.0 1.5 1.1 0.2 0.5 1.4 2.2 1.4 1.3
Bank of America, National Association - 0.8 - - - - - - - - - -
Bank of Bahrain and Kuwait B.S.C. 8.7 5.7 1.2 4.6 4.8 0.9 0.7 0.7 0.8 2.2 2.1 1.9
Bank of Baroda (BoB) 16.2 14.9 14.8 11.0 10.5 8.7 5.8 4.7 1.3 2.1 2.2 2.7
Dena Bank 15.6 20.7 24.6 22.3 Amalgamated
into BoB 4.3 6.9 4.9 4.3 Amalgamated
into BoB
Vijaya Bank 8.9 7.7 6.8 6.9 1.1 0.8 0.7 0.8
Bank of Ceylon 0.5 0.4 0.3 1.1 5.8 4.8 10.0 15.1 14.7 - - -
Bank of India 18.8 16.9 18.5 16.3 15.7 14.5 1.9 3.7 3.4 3.1 3.0 2.5
Bank of Maharashtra 13.3 19.3 20.9 17.0 14.1 9.4 2.8 2.7 3.4 3.7 3.4 3.0
Bank of Nova Scotia 6.7 5.9 2.4 2.8 3.6 13.8 - - - - - -
Barclays Bank PLC 1.1 0.8 0.7 1.9 3.2 3.6 1.3 - - - - -
BNP Paribas 0.1 0.0 0.0 0.1 0.1 0.1 - - - - - -
Canara Bank 13.5 12.8 13.0 9.8 8.7 7.9 2.6 2.3 1.9 1.5 1.5 1.4
Syndicate Bank 10.1 11.6 14.1 13.1 11.7 Amalgamated
into Canara Bank 5.5 5.4 3.4 4.0 3.6 Amalgamated
into Canara Bank
Catholic Syrian Bank Limited 7.9 7.4 7.9 5.1 3.8 2.2 3.4 4.3 5.4 3.6 1.8 1.1
Central Bank of India 17.7 22.7 22.4 20.3 20.3 18.0 6.1 11.0 5.5 7.7 6.3 4.7
Citibank N.A. 1.4 1.6 1.6 1.4 1.5 1.1 2.0 2.3 2.6 2.9 2.5 1.7
City Union Bank Limited 3.3 3.5 3.3 3.3 4.8 4.6 3.1 4.8 4.2 2.8 3.3 1.8
Cooperatieve Rabobank U.A. 1.1 22.1 6.9 3.1 6.5 17.3 - - - - - -
Credit Agricole Corporate and Investment Bank 4.2 6.2 9.1 0.1 0.1 0.1 - - - - - -
Credit Suisse AG - - - 18.2 - - - - - - - -
CTBC Bank Company Limited 11.3 9.7 1.6 0.4 0.2 0.2 - - - - - -
DBS Bank India Limited 9.6 5.9 5.6 3.6 2.7 2.6 - - 0.3 0.3 1.0 1.7
DCB Bank Limited 1.9 2.0 2.0 2.0 3.5 5.0 1.1 1.4 1.7 1.5 1.9 3.7
Deutsche Bank AG 0.5 2.8 2.6 2.9 2.9 2.1 1.3 2.4 2.9 6.2 8.6 8.0
Doha Bank Q.P.S.C - 2.2 1.4 0.9 0.9 1.2 - - - - - -
Federal Bank Limited 5.2 4.1 4.0 3.5 3.1 3.4 1.9 1.7 2.1 1.9 2.0 1.6
Firstrand Bank Limited 13.2 9.1 - 6.8 6.3 21.6 - - - - - -
HDFC Bank Limited 1.0 1.1 1.5 1.4 1.3 1.5 1.4 1.5 1.7 2.4 0.7 1.4
Hongkong and Shanghai Banking Corporation Limited 1.5 1.9 1.8 0.9 0.9 0.8 2.5 3.5 3.6 2.7 2.6 2.4
ICICI Bank Limited 7.9 8.1 7.4 6.0 5.2 4.0 0.9 0.8 1.2 1.1 1.3 0.9
IDBI Bank Limited 16.2 25.4 28.2 27.0 25.6 22.9 1.3 1.3 1.3 1.2 1.3 2.5
IDFC First Bank Limited 11.3 5.2 4.6 2.9 3.5 2.7 - 0.0 0.1 2.3 1.8 2.3
Indian Bank 11.6 11.0 8.9 8.7 8.3 10.5 4.5 3.7 3.8 3.3 3.8 3.8
Allahabad Bank 15.8 17.2 17.5 18.2 17.6 Amalgamated
into Indian Bank 8.6 3.2 4.6 4.4 5.3 Amalgamated
into Indian Bank
Indian Overseas Bank 23.5 28.0 27.7 22.5 14.7 11.8 9.9 10.3 3.1 4.3 3.1 2.1
IndusInd Bank Limited 1.5 1.4 1.3 2.3 2.4 2.5 3.3 4.2 3.0 2.2 2.5 4.2
Industrial and Commercial Bank of China 4.2 6.5 5.1 3.9 8.6 - - - - - - -
Jammu and Kashmir Bank Limited 13.3 21.5 17.7 13.7 11.6 9.4 1.1 3.0 2.0 1.1 1.2 0.8
JPMorgan Chase Bank National Association 9.6 13.2 - - - - - - - - - -
JSC VTB Bank 22.8 54.6 - - - - - - - - - -
Karnataka Bank Limited 8.0 7.0 5.5 5.0 5.5 4.3 1.8 1.0 1.2 1.9 1.8 1.3
Karur Vysya Bank Limited 4.7 5.6 7.1 8.9 9.1 8.7 1.9 2.2 2.3 2.2 2.2 5.0
KEB Hana Bank - - - 11.0 5.9 3.5 - - - - - -
Kotak Mahindra Bank Limited 2.7 2.7 2.4 2.2 2.3 2.4 1.1 1.4 1.3 1.4 2.0 2.6
Lakshmi Vilas Bank Limited 6.5 4.7 10.2 15.5 25.4 25.9 0.6 1.2 1.8 1.5 3.6 3.7
Mizuho Bank Limited 0.1 0.1 0.1 0.1 0.1 0.1 - - - - - -
MUFG Bank Limited 1.3 0.1 0.9 0.6 - - - - - - - -
Nainital Bank Limited 5.4 5.6 5.2 10.8 13.1 12.6 3.0 3.0 2.5 2.2 2.5 2.3
PT Bank Maybank Indonesia TBK - 9.8 15.8 13.9 14.3 20.7 - - - - - -
Punjab and Sind Bank 12.6 12.9 11.8 12.3 15.0 14.9 4.9 6.1 6.6 6.7 5.9 9.7
Punjab National Bank (PNB) 19.7 16.7 20.8 16.2 14.9 13.4 3.1 3.5 4.7 3.9 4.1 3.1
Oriental Bank of Commerce 17.3 17.4 18.1 12.9 13.1 Amalgamated into PNB 7.0 2.0 1.9 1.2 1.9 Amalgamated into PNB
United Bank of India 22.8 23.4 24.8 18.6 15.5 3.2 3.2 3.1 3.6 5.0
RBL Bank Limited 1.1 1.3 1.4 1.5 3.7 3.0 0.8 1.1 0.9 1.0 1.2 0.0
Sberbank 29.6 43.4 42.6 55.0 75.4 87.1 - - - - - -
SBM Bank (India) Limited 16.1 16.1 15.1 22.2 8.6 4.2 8.0 9.8 2.8 2.8 0.9 0.5
Shinhan Bank - - - 1.5 1.4 1.7 - - - - - -
Societe Generale - 5.9 3.9 11.5 6.9 6.9 - - - - - -
Sonali Bank 12.8 18.2 9.2 15.5 16.3 13.7 12.8 18.2 9.2 15.5 16.3 13.7
South Indian Bank Limited 6.1 3.1 3.7 5.3 6.3 6.8 1.4 2.0 1.9 1.6 1.5 1.3
Standard Chartered Bank 14.1 10.5 11.8 9.1 6.4 6.4 1.7 2.3 2.4 2.9 4.0 3.7
State Bank of India (SBI) 10.3 10.4 12.7 8.7 7.2 5.5 0.8 0.6 1.2 1.0 1.1 1.1
State Bank of Bikaner and Jaipur 11.6 18.7 Merged into SBI 1.5 1.8 Merged into SBI
State Bank of Hyderabad 10.0 23.2 0.8 2.0
State Bank of Mysore 9.7 27.8 1.7 7.3
State Bank of Patiala 16.4 27.1 1.0 1.9
State Bank of Travancore 10.0 18.4 2.0 2.3
Bharatiya Mahila Bank Limited 0.2 9.5 0.5 0.9
Tamilnad Mercantile Bank Limited 6.6 7.5 5.2 5.3 4.0 3.8 1.6 1.8 1.6 1.0 0.8 0.7
The Dhanalakshmi Bank Limited 6.7 5.1 7.9 8.1 6.4 6.3 7.7 3.4 3.3 4.2 5.8 3.8
The Royal Bank of Scotland PLC - 99.2 100.0 - - - 0.7 - - - - -
UCO Bank 16.9 23.3 27.8 26.4 17.8 10.7 7.5 8.8 7.5 5.3 6.3 3.8
Union Bank of India (UBI) 12.6 13.4 16.3 15.7 15.0 14.7 4.9 1.6 2.7 2.8 3.4 2.8
Andhra Bank 16.6 17.5 18.1 16.5 16.1 Amalgamated into UBI 1.5 1.7 1.8 2.2 4.0 Amalgamated into UBI
Corporation Bank 15.9 15.8 18.5 16.1 14.9 3.3 3.8 7.1 7.9 9.3
United Overseas Bank Limited - 6.8 26.6 24.0 9.6 14.1 - - - - - -
Woori Bank - - - 0.7 - - - - - - - -
Yes Bank Limited 1.3 2.0 1.4 3.5 17.8 16.8 0.3 0.3 0.3 1.1 1.2 0.5
Source: Reserve Bank of India
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