THE MINISTER OF STATE IN THE MINISTRY OF FINANCE
(a) The details of Gross Advances, Gross Non-Performing Assets (GNPA) and Gross NPA ratio of Public Sector Banks (PSBs) and Private Sector Banks for last three years are as under.
PUBLIC SECTOR BANKS (Rs. In crore)
, GROSS ADVANCES, GNPA, GNPA RATIO
FY 2014, 45,90,458, 2,16,739, 4.72%
FY 2015, 49,17,228, 2,67,065, 5.43%
FY 2016, 51,04,915, 5,02,068, 9.83%
PRIVATE SECTOR BANKS (Rs. In crore)
GROSS ADVANCES GNPA GNPA RATIO
FY 2014 12,10,661 22,738 1.88
FY 2015 14,37,338 31,576 2.20
FY 2016 17,91,681 48,380 2.70
The details relating to Recovery of NPAs through SARFAESI Act, 2002, DRT Act, 1993 and Lok Adalats by the Public Sector Banks (PSBs) is as Annex-I.
b) The details of Gross NPA, Gross NPA ratio and Gross NPA + Restructured advances ratio of Public Sector Banks (PSBs) is mentioned as under:
PUBLIC SECTOR BANKS (Rs. In crore)
FY 2016 Sep- 2016
GROSS NPA 5,02,068 5,89,502
GROSS NPA RATIO 9.83 11.82
GROSS NPA + RESTRUCTURED ADVANCES RATIO 14.40 15.88
Source: RBI
The details of Bank wise NPAs are at Annex-II.
(c) to (e): The Government has taken sector specific measures (Infrastructure, Power, Road, textiles, Steel etc.) where incidence of NPA is high. The Insolvency and Bankruptcy code (IBC) has been enacted and Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act (SARFAESI) and The Recovery of Debts due to Banks and Financial Institutions (RDDBFI) Act have been amended to improve resolution/recovery of bank loans. Six new Debt Recovery Tribunals (DRTs) have been established for improving recovery. RBI has provided a number of tools in this regard- Corporate Debt Restructuring (CDR), Formation of Joint Lenders’ Forum (JLF), Flexible Structuring for long term project loans to Infrastructure and Core industries (5/25 Scheme), Strategic Debt Restructuring Scheme (SDR) and Sustainable Structuring of Stressed Assets (S4A).
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Annex - I
NPAs of PSBs recovered through various channels
(Amount in Rs. Crore)
2013-14 2014-15 2015-16
Channels of Recovery No of cases referred Amount involved Amount recovered No of cases referred Amount involved Amount recovered No of cases referred Amount involved Amount recovered
LokAdalat 11,67,059 17016 1414 25,96,351 27020 931 42,44,800 69017 3134
DRTs 24,813 45350 4460 18397 53203 3484 19,133 57439 5590
SARFAESI 1,81,216 86783 22178 1,66,804 146306 23434 1,59,147 65008 11033
Total 13,73,088 149149 28052 27,81,552 226529 27849 44,23,080 191464 19757
Source: RBI
ANNEX- II
GROSS NPAs AND GNPA RATIO OF PUBLIC SECTOR BANKS DURING THE LAST YEAR AND CURRENT YEAR (Rs. In Crore)
SR. NO. PUBLIC SECTOR BANKS GROSS NPAs GNPA RATIO
Mar-16 Sep-16 Mar-16 Sep-16
1 Allahabad Bank 15,124 18,852 10.22 12.96
2 Andhra Bank 11,444 16,263 8.39 11.49
3 Bank of Baroda 33,508 35,467 11.93 13.33
4 Bank of India 43,124 44,040 16.06 16.05
5 Bank of Maharashtra 10,386 14,434 9.34 14.08
6 Bharatiya Mahila Bank Ltd. 1 3 0.22 0.51
7 Canara Bank 29,435 31,466 9.36 10.00
8 Central Bank of India 22,721 25,718 11.95 13.70
9 Corporation Bank 14,544 15,611 9.98 10.81
10 Dena Bank 8,560 10,825 9.98 13.79
11 IDBI Bank Limited 20,037 25,973 9.96 12.71
12 Indian Bank 8,328 8,970 6.55 7.43
13 Indian Overseas Bank 26,597 31,073 17.11 21.48
14 Oriental Bank of Commerce 14,702 18,383 9.57 12.36
15 Punjab & Sind Bank 4,229 5,328 6.48 8.63
16 Punjab National Bank 54,424 54,640 14.35 15.17
17 Syndicate Bank 11,974 14,141 7.12 8.43
18 UCO Bank 20,106 21,424 16.93 18.46
19 Union Bank of India 23,143 27,891 9.20 11.07
20 United Bank of India 9,471 11,134 13.26 16.26
21 Vijaya Bank 6,027 6,491 6.64 7.07
22 State Bank of Bikaner & Jaipur 3,603 7,669 4.82 10.50
23 State Bank of Hyderabad 6,591 15,307 5.75 13.66
24 State Bank of India 90,388 97,356 7.27 8.10
25 State Bank of Mysore 3,636 7,174 6.56 13.01
26 State Bank of Patiala 6,767 15,997 7.87 19.08
27 State Bank of Travancore 3,200 7,872 4.78 11.55
TOTAL 5,02,068 5,89,502 9.83 11.82
Source: RBI Data for Sep- 2016 (Audited)
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