Lok Sabha Question No. 3628 (UNSTARRED), answered on 2018-03-16
Subject: NPAs of Big Industries
Ministry: FINANCE
Asked by: CHANDRAKANT BHAURAO KHAIRE

## GOVERNMENT  OF INDIA

## MINISTRY  OF FINANCE DEPARTMENT  OF FINANCIAL SERVICES LOK SABHA UNSTARRED  QUESTION  NO: 3628

TO BE ANSWERED  ON THE 16 th  MARCH, 2018/PHALGUNA 25, 1939 (SAKA)

## QUESTION NPAs OF BIG INDUSTRIES

## 3628:  SHRI CHANDRAKANT  KHAIRE:

Will  the Minister  of FINANCE  be pleased to state:

- a) whether   the  percentage   of  Non-Performing Assets  (NPAs)   in  big  industries   has  been increasing  during  the last three  years;
- b) if so, the reasons  therefor  and the NPAs  of big industries,  industry/bank-wise; and
- c) the details  of percentage  of loan  provided  to big industries  and out of which  the total  loan given by  the nationalized  banks,  bank-wise?

## ANSWER

## To be answered by THE MINISTER  OF STATE  IN THE  MINISTRY  OF FINANCE (SHIV PRATAP  SHUKLA)

- (a):  As  per  Reserve   Bank of  India's   (RBI)  data  for  domestic   operations,   the  gross  Nonperforming  Assets (GNPAs)  under the 'Industry-Large'  category  for Scheduled  Commercial Banks  were   Rs.  1,23,232 crore   as  on  31.3.2015,   and  increased   to  Rs.  5,27,876 crore   as  on 31.12.2017  (provisional  data).
- Bank-wise  gross Non-performing  Assets (GNPAs)  and GNPA  ratios  of Scheduled  Commercial Banks  for  the  'Industry-Large'   category,   as  on  31.12.2017,   are  at  Annexure-I.   As  regard industry-wise  NPAs  of big industries,  RBI has stated that  data is not available.
- (b):  RBI  initiated   Asset  Quality Review   (AQR)   in  2015,  with   a  view   to  have  clean   and  fully provisioned bank balance-sheets by March  2017. Under this, restructured loans with performance   issues  and  potentially weak   loans  were   identified   as  Non-Performing Assets (NPAs).   AQR   revealed   high   NPAs.   The  increase   in  NPAs   in  advances   to  large   industry   is primarily due to AQR  and subsequent  transparent  recognition  by  banks.
- (c): As per RBI data for domestic  operations,  the share of 'Industry-Large'  category  advances outstanding  in the aggregate gross loans and advances of Scheduled  Commercial Banks,  as on 31.12.2017,   was  29.61  per  cent.   Bank-wise   details   of  advances   outstanding   to  'IndustriesLarge'  category,    gross  loans  and  advances,   and  the  percentage   share  of  gross  advances   to 'Industries-Large'   category to  gross  loans  and  advances  of  Nationalised Banks,   as  on 31.12.2017,  are at Annexure-II.

Annexure-I

Amounts

****

| Bank                                       | GrossNPAs   | Gross NPAratio(%)   |
|--------------------------------------------|-------------|---------------------|
| ABBank Limited                             | 9           | 46.26               |
| AbuDhabiCommercialBank PJSC                | 23          | 2.54                |
| AllahabadBank                              | 14,652      | 36.94               |
| AmericanExpress BankingCorp.               | 0           | -                   |
| AndhraBank                                 | 15,259      | 29.29               |
| AustraliaandNewZealandBankingGroup Limited | 0           | 0                   |
| AxisBank Limited                           | 12,242      | 11.8                |
| BandhanBankLimited                         | 0           | -                   |
| Bank ofAmerica, NationalAssociation        | 110         | 1.35                |
| Bank ofBahrain&KuwaitB.S.C.                | 19          | 1.54                |
| Bank ofBaroda                              | 16,803      | 22.65               |
| Bank ofCeylon                              | 0           | 0                   |
| Bank ofIndia                               | 24,120      | 29.37               |
| Bank ofMaharashtra                         | 9,393       | 36.58               |
| Bank ofNovaScotia                          | 94          | 3.12                |
| BarclaysBank Plc                           | 78          | 2.66                |
| BNPParibas                                 | 0           | 0                   |
| CanaraBank                                 | 21,605      | 21.36               |
| CapitalSmallFinanceBankLimited             | 0           | -                   |
| CatholicSyrianBank Ltd                     | 55          | 49.43               |
| CentralBankof India                        | 21,940      | 34.97               |
| CitibankN.A.                               | 196         | 1.7                 |
| CityUnionBank Limited                      | 196         | 10.54               |
| Commonwealth Bank ofAustralia              | 0           | -                   |
| CooperativeRabobankU.A.                    | 170         | 11.28               |
| Corporation Bank                           | 13,758      | 23.91               |
| CreditAgricoleCorporateand Investment Bank | 384         | 8.85                |
| CreditSuisseAG                             | 0           | 0                   |
| CTBC Bank Co., Ltd.                        | 5           | 1.85                |
| DBS BankLtd.                               | 1,144       | 10.89               |
| DCBBank Limited                            | 84          | 6.43                |
| DenaBank                                   | 6,954       | 30.33               |
| DeutscheBank AG                            | 562         | 4.11                |
| DohaBank QSC                               | 0           | 0                   |
| EmiratesNBDBank (P.J.S.C.)                 | 0           | 0                   |
| EquitasSmallFinanceBank Limited            | 0           | -                   |
| FederalBank Ltd.                           | 310         | 2.85                |
| FirstAbuDhabiBank PJSC                     | 0           | -                   |
| FirstrandBank Ltd                          | 0           | 0                   |
| HDFCBankLtd.                               | 1,112       | 0.74                |

| HongkongandShanghaiBankingCorpn.Ltd.    | 365     | 2.02   |
|-----------------------------------------|---------|--------|
| HSBCBank OmanS.A.O.G.                   | 0       | -      |
| ICICIBank Limited                       | 24,957  | 20.83  |
| IDBI BankLimited                        | 34,411  | 42.69  |
| IDFCBank Limited                        | 2,715   | 7.83   |
| IndianBank                              | 6,568   | 16.41  |
| IndianOverseasBank                      | 19,593  | 44.29  |
| IndusIndBankLtd.                        | 300     | 1.12   |
| Industrialand CommercialBank ofChina    | 46      | 10.24  |
| IndustrialBankof Korea                  | 0       | 0      |
| Ing VysyaBankLtd.                       | 0       | -      |
| Jammu&KashmirBank Ltd.                  | 4,482   | 28.48  |
| JP MorganChaseBank National Association | 0       | 0      |
| JSCVTBBank                              | 9       | 100    |
| KarnatakaBank Ltd                       | 590     | 16.2   |
| KarurVysyaBank Ltd                      | 1,512   | 16.3   |
| KBCBankNV                               | 0       | -      |
| KEB HanaBank                            | 0       | 0      |
| KotakMahindraBank Ltd.                  | 0       | -      |
| KrungThaiBank PublicCompanyLimited      | 0       | -      |
| LakshmiVilasBank Ltd.                   | 628     | 14.13  |
| MashreqBank PSC                         | 0       | -      |
| Mizuho Bank Ltd.                        | 6       | 0.13   |
| NainitalBankLtd.                        | 25      | 19.07  |
| NationalAustraliaBank                   | 0       | -      |
| OrientalBankof Commerce                 | 17,502  | 39.1   |
| Pt.Bank Maybank IndonesiaTbk            | 18      | 14.28  |
| Punjaband SindBank                      | 3,273   | 18.32  |
| PunjabNationalBank                      | 32,710  | 26.67  |
| QatarNationalBank Saq                   | 0       | -      |
| RBLBank Limited                         | 135     | 1.61   |
| Sberbank                                | 92      | 44.62  |
| SbmBank (Mauritius) Ltd.                | 0       | -      |
| ShinhanBank                             | 0       | 0      |
| SocieteGenerale                         | 70      | 2.83   |
| SonaliBank                              | 0       | -      |
| SouthIndianBank Ltd.                    | 1,054   | 10.54  |
| StandardCharteredBank                   | 6,120   | 32.88  |
| StateBank ofIndia                       | 143,526 | 25.09  |
| SumitomoMitsuiBankingCorporation        | 0       | 0      |
| SyndicateBank                           | 10,055  | 24.25  |
| TamilnadMercantileBank Ltd.             | 753     | 20.62  |

| TheBank ofTokyo-Mitsubishi UFJLtd.   | 6      |    0.1 |
|--------------------------------------|--------|--------|
| TheDhanalakshmiBank Ltd.             | 96     |  11.32 |
| TheRoyalBank ofScotlandPlc.          | 115    | 100    |
| UCOBank                              | 15,768 |  40.21 |
| UnionBankof India                    | 22,239 |  26.61 |
| UnitedBank ofIndia                   | 9,269  |  41.43 |
| UnitedOverseasBank Ltd.              | 80     |  16.9  |
| VijayaBank                           | 4,855  |  30.1  |
| WestpacBankingCorporation            | 0      |   0    |
| WooriBank                            | 0      |   0    |
| Yes Bank Ltd.                        | 2,656  |   3.28 |

Source: RBI (domestic operations, provisional data for Dec-2017)

## Lok Sabha Unstarred  Question  No. 3628,  for  16.3.2018

| Sr. No.   | Bank                    | 'Industry-Large' category Advances Outstanding   | Gross Loans & Advances   |   Percentage of 'Industry-Large' category Advances Outstandingin Gross Loans &Advances(%) |
|-----------|-------------------------|--------------------------------------------------|--------------------------|-------------------------------------------------------------------------------------------|
| 1         | AllahabadBank           | 39,663                                           | 1,49,545                 |                                                                                     26.52 |
| 2         | AndhraBank              | 52,102                                           | 1,51,492                 |                                                                                     34.39 |
| 3         | Bank ofBaroda           | 74,200                                           | 3,14,976                 |                                                                                     23.56 |
| 4         | Bank ofIndia            | 82,116                                           | 2,80,670                 |                                                                                     29.26 |
| 5         | Bank ofMaharashtra      | 25,680                                           | 95,169                   |                                                                                     26.98 |
| 6         | CanaraBank              | 1,01,168                                         | 3,57,163                 |                                                                                     28.33 |
| 7         | CentralBankof India     | 62,739                                           | 1,79,702                 |                                                                                     34.91 |
| 8         | Corporation Bank        | 57,541                                           | 1,37,049                 |                                                                                     41.99 |
| 9         | DenaBank                | 22,928                                           | 72,443                   |                                                                                     31.65 |
| 10        | IndianBank              | 40,018                                           | 1,46,729                 |                                                                                     27.27 |
| 11        | IndianOverseasBank      | 44,235                                           | 1,39,515                 |                                                                                     31.71 |
| 12        | OrientalBankof Commerce | 44,759                                           | 1,62,512                 |                                                                                     27.54 |
| 13        | Punjab&SindBank         | 17,866                                           | 64,273                   |                                                                                     27.8  |
| 14        | PunjabNationalBank      | 1,22,662                                         | 4,28,427                 |                                                                                     28.63 |
| 15        | SyndicateBank           | 41,458                                           | 1,75,872                 |                                                                                     23.57 |
| 16        | UCOBank                 | 39,213                                           | 1,04,378                 |                                                                                     37.57 |
| 17        | UnionBankof India       | 83,585                                           | 2,81,028                 |                                                                                     29.74 |
| 18        | UnitedBank ofIndia      | 22,372                                           | 68,250                   |                                                                                     32.78 |
| 19        | VijayaBank              | 16,128                                           | 1,10,622                 |                                                                                     14.58 |
| Total     | Total                   | 9,90,435                                         | 34,19,813                |                                                                                     28.96 |

Source:  RBI (domestic operations, provisional data for Dec-2017)

****

Advances outstanding  under  the 'Industry-Large' category and Gross Loans & Advances of Nationalised Banks, as on 31.12.2017

Amounts  in crore Rs.