Lok Sabha Question No. 49 (STARRED), answered on 2016-11-18
Subject: Non-Performing Assets
Ministry: FINANCE
Asked by: C.S. PUTTARAJU, KAMAL NATH

## GOVERNMENT OF INDIA MINISTRY OF FINANCE DEPARTMENT OF FINANCIAL SERVICES

LOK SABHA STARRED QUESTION NO. *49

TO BE ANSWERED ON THE 18 TH  NOVEMBER, 2016/ KARTIKA 27, 1938 (SAKA)

## NON PERFORMING ASSETS

*49: SHRI C.S PUTTA RAJU SHRI KAMAL NATH

Will the Minister of FINANCE be pleased to state:

- a) the  amount/percentage  of  the  gross  and  aggregate  Non-Performing  Assets  (NPAs) against  total  debts  of  each  of  the  public/private  sector  banks  as  of  September,  2016 along with the details of top 20 NPA accounts in banking sector;
- b) the amount of debt and details of debtors whose accounts have not yet been classified as NPAs but rescheduled by banks during the last three years and current year;
- c) whether the banks resort to rescheduling of loans so as to escape from being classified as  NPAs,  and  if  so,  the  details  thereof  along  with  the  recovery  affected  for  the  bad loans, during the above period;
- d) the top 10 sectors who  have  the highest NPAs  outstanding  and  the highest rescheduling of loans; and
- e) the  steps  taken/being  taken  by  the  Government  to  reduce  NPAs  of  banks  in  this regard?

ANSWER FINANCE MINISTER (SHRI ARUN JAITELY)

(a) to (e): A statement is laid on the Table of the House.

## ************

STATEMENT AS REFERRED TO IN REPLY TO PARAs (A) TO (E) OF LOK SABHA STARRED QUESTION NO. *49 FOR ANSWER ON 18 th  NOVEMBER, 2016/ KARTIKA 27, 1938 (SAKA) REGARDING NON PERFORMING ASSETS BY SHRI C.S PUTTA RAJU AND SHRI KAMAL NATH.

- a) The amount/percentage of Gross Non-Performing Assets (NPAs) against total debts of each of the public/private sector banks alongwith outstanding in Top-20 NPA accounts as on 30 th  June, 2016 is at Annex- I .
- b) The details of loans/debts restructured during the last 3 years and current year is at Annex- II .
- c)  RBI's Income Recognition and Assets Classification norms (IRAC) permit rescheduling of loans wherein there is financial viability and reasonable certainty of repayment from the borrower as per terms of rescheduling package.
- d)  The details of Top 10 Sectors with highest NPA is at Annex- III .

(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).

**************

| GROSS NPAs OF PUBLIC AND PRIVATE SECTOR BANKS DURING JUNE 30, 2016 (Rs. In Crore)   | GROSS NPAs OF PUBLIC AND PRIVATE SECTOR BANKS DURING JUNE 30, 2016 (Rs. In Crore)   | GROSS NPAs OF PUBLIC AND PRIVATE SECTOR BANKS DURING JUNE 30, 2016 (Rs. In Crore)   | GROSS NPAs OF PUBLIC AND PRIVATE SECTOR BANKS DURING JUNE 30, 2016 (Rs. In Crore)   | GROSS NPAs OF PUBLIC AND PRIVATE SECTOR BANKS DURING JUNE 30, 2016 (Rs. In Crore)   |
|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------|
| SR. NO.                                                                             | BANKS                                                                               | TOTAL ADVANCES                                                                      | GROSS NPA                                                                           | PERCENTAGE                                                                          |
| 1                                                                                   | Allahabad Bank                                                                      | 1,45,328                                                                            | 18,769                                                                              | (%) 12.92                                                                           |
| 2                                                                                   | Andhra Bank                                                                         | 1,37,228                                                                            | 14,137                                                                              | 10.30                                                                               |
| 3                                                                                   | Bank of Baroda                                                                      | 2,69,115                                                                            | 35,604                                                                              | 13.23                                                                               |
| 4                                                                                   | Bank of India                                                                       | 2,74,391                                                                            | 43,935                                                                              | 16.01                                                                               |
| 5                                                                                   | Bank of Maharashtra                                                                 | 1,03,148                                                                            | 13,040                                                                              | 12.64                                                                               |
| 6                                                                                   | Bharatiya Mahila Bank Ltd.                                                          | 627                                                                                 | 3                                                                                   | 0.40                                                                                |
| 7                                                                                   | Canara Bank                                                                         | 3,11,615                                                                            | 30,480                                                                              | 9.78                                                                                |
| 8                                                                                   | Central Bank of India                                                               | 1,85,719                                                                            | 25,107                                                                              | 13.52                                                                               |
| 9                                                                                   | Corporation Bank                                                                    | 1,42,787                                                                            | 15,726                                                                              | 11.01                                                                               |
| 10                                                                                  | Dena Bank                                                                           | 81,114                                                                              | 9,636                                                                               | 11.88                                                                               |
| 11                                                                                  | IDBI Bank Limited                                                                   | 2,02,304                                                                            | 21,724                                                                              | 10.74                                                                               |
| 12                                                                                  | Indian Bank                                                                         | 1,22,173                                                                            | 8,690                                                                               | 7.11                                                                                |
| 13                                                                                  | Indian Overseas Bank                                                                | 1,49,217                                                                            | 30,239                                                                              | 20.26                                                                               |
| 14                                                                                  | Oriental Bank of Commerce                                                           | 1,50,301                                                                            | 17,209                                                                              | 11.45                                                                               |
| 15                                                                                  | Punjab & Sind Bank                                                                  | 63,134                                                                              | 4,566                                                                               | 7.23                                                                                |
| 16                                                                                  | Punjab National Bank                                                                | 3,56,958                                                                            | 55,003                                                                              | 15.41                                                                               |
| 17                                                                                  | Syndicate Bank                                                                      | 1,67,759                                                                            | 13,475                                                                              | 8.03                                                                                |
| 18                                                                                  | UCO Bank                                                                            | 1,15,166                                                                            | 21,495                                                                              | 18.66                                                                               |
| 19                                                                                  | Union Bank of India                                                                 | 2,42,935                                                                            | 25,560                                                                              | 10.52                                                                               |
| 20                                                                                  | United Bank of India                                                                | 70,781                                                                              | 10,104                                                                              | 14.28                                                                               |
| 21                                                                                  | Vijaya Bank                                                                         | 90,199                                                                              | 6,589                                                                               | 7.31                                                                                |
| 22                                                                                  | State Bank of Bikaner & Jaipur                                                      | 74,033                                                                              | 4,593                                                                               | 6.20                                                                                |
| 23                                                                                  | State Bank of Hyderabad                                                             | 1,12,420                                                                            | 9,436                                                                               | 8.39                                                                                |
| 24                                                                                  | State Bank of India                                                                 | 11,93,325                                                                           | 93,137                                                                              | 7.80                                                                                |
| 25                                                                                  | State Bank of Mysore                                                                | 55,228                                                                              | 4,323                                                                               | 7.83                                                                                |
| 26                                                                                  | State Bank of Patiala                                                               | 85,239                                                                              | 11,365                                                                              | 13.33                                                                               |
| 27                                                                                  | State Bank of Travancore                                                            | 68,276                                                                              | 6,401                                                                               | 9.38                                                                                |
| 28                                                                                  | Catholic Syrian Bank Ltd.                                                           | 7,859                                                                               | 455                                                                                 | 5.79                                                                                |
| 29                                                                                  | City Union Bank Ltd.                                                                | 21,216                                                                              | 555                                                                                 | 2.62                                                                                |
| 30                                                                                  | Dhanlaxmi Bank Limited                                                              | 6,771                                                                               | 475                                                                                 | 7.02                                                                                |
| 31                                                                                  | Federal Bank Ltd.                                                                   | 59,408                                                                              | 1,747                                                                               | 2.94                                                                                |
|                                                                                     |                                                                                     |                                                                                     |                                                                                     | -                                                                                   |
| 32 33 Bank Ltd. 34                                                                  | ING Vysya Bank Ltd. Jammu & Kashmir Karnataka Bank Ltd.                             | - 50,640 35,412                                                                     | 4,715 1,389                                                                         | 9.31 3.92 1.78                                                                      |
| 35                                                                                  | Karur Vysya Bank Ltd.                                                               | 39,382                                                                              | 702                                                                                 |                                                                                     |
| 36                                                                                  | Lakshmi Vilas Bank Ltd.                                                             | 20,183                                                                              | 432                                                                                 | 2.14                                                                                |
| 38                                                                                  | Ratnakar Bank Ltd.                                                                  | 22,373                                                                              | 253                                                                                 | 1.13                                                                                |
| 39                                                                                  | South Indian Bank Ltd.                                                              | 41,705                                                                              | 1,652                                                                               | 3.96                                                                                |
| 40                                                                                  | Tamilnad Mercantile Bank Ltd.                                                       | 22,329                                                                              | 489                                                                                 | 2.19                                                                                |
| 41                                                                                  | Axis Bank Ltd.                                                                      |                                                                                     |                                                                                     | 2.63                                                                                |
|                                                                                     |                                                                                     | 3,00,173                                                                            | 7,909                                                                               |                                                                                     |
| 42                                                                                  | Bandhan Bank Ltd.                                                                   | 13,358                                                                              | 29                                                                                  | 0.22                                                                                |
| 43                                                                                  | DCB Bank Ltd                                                                        | 13,464                                                                              | 231                                                                                 | 1.72                                                                                |
| 44                                                                                  | HDFC Bank Ltd.                                                                      | 4,40,955                                                                            | 4,724                                                                               | 1.07                                                                                |
| 46                                                                                  | IndusInd Bank Ltd.                                                                  | 93,667                                                                              | 861                                                                                 | 0.92                                                                                |
|                                                                                     |                                                                                     |                                                                                     | 845                                                                                 | 0.82                                                                                |
| 48                                                                                  | Yes Bank Ltd                                                                        | 1,03,411                                                                            |                                                                                     |                                                                                     |
| 49 TOP 20                                                                           | IDFC Bank Limited                                                                   | 49,714                                                                              | 3,030                                                                               | 6.09                                                                                |
| NPA ACCOUNTS OF PUBLIC SECTOR BANKs (PSBs) AS ON JUNE                               |                                                                                     |                                                                                     | 30, 2016                                                                            |                                                                                     |

| THE AMOUNT OF TOP 20 NPA ACCOUNTS OF PSBs IS Rs.1,54,866 Crores   |
|-------------------------------------------------------------------|
| Source: RBI                                                       |

| ANNEXURE- II                                                                                                                      | ANNEXURE- II                                                                                                                      | ANNEXURE- II                                                                                                                      | ANNEXURE- II                                                                                                                      | ANNEXURE- II                                                                                                                      |
|-----------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                                   |                                                                                                                                   |                                                                                                                                   |                                                                                                                                   | (Rs. in Crore)                                                                                                                    |
| DATA ON RESTRUCTURED ACCOUNTS FOR PUBLIC SECTOR BANKs (PSBs) AND SCHEDULED COMMERCIAL BANKs (SCBs) FOR LAST THREE FINANCIAL YEARS | DATA ON RESTRUCTURED ACCOUNTS FOR PUBLIC SECTOR BANKs (PSBs) AND SCHEDULED COMMERCIAL BANKs (SCBs) FOR LAST THREE FINANCIAL YEARS | DATA ON RESTRUCTURED ACCOUNTS FOR PUBLIC SECTOR BANKs (PSBs) AND SCHEDULED COMMERCIAL BANKs (SCBs) FOR LAST THREE FINANCIAL YEARS | DATA ON RESTRUCTURED ACCOUNTS FOR PUBLIC SECTOR BANKs (PSBs) AND SCHEDULED COMMERCIAL BANKs (SCBs) FOR LAST THREE FINANCIAL YEARS | DATA ON RESTRUCTURED ACCOUNTS FOR PUBLIC SECTOR BANKs (PSBs) AND SCHEDULED COMMERCIAL BANKs (SCBs) FOR LAST THREE FINANCIAL YEARS |
|                                                                                                                                   | 2013-14                                                                                                                           | 2014-15                                                                                                                           | 2015-16                                                                                                                           | Jun-16                                                                                                                            |
| PUBLIC SECTOR BANKS                                                                                                               | 3,29,215                                                                                                                          | 3,84,142                                                                                                                          | 2,32,881                                                                                                                          | 2,13,903                                                                                                                          |
| SCHEDULED COMMERCIAL BANKS                                                                                                        | 3,57,907                                                                                                                          | 4,19,526                                                                                                                          | 2,66,539                                                                                                                          | 2,44,174                                                                                                                          |
| Source: RBI                                                                                                                       |                                                                                                                                   |                                                                                                                                   |                                                                                                                                   |                                                                                                                                   |

| ANNEXURE- III                               | ANNEXURE- III                                  | ANNEXURE- III                               | ANNEXURE- III                               | ANNEXURE- III                               | ANNEXURE- III                               | ANNEXURE- III                               | ANNEXURE- III                               |
|---------------------------------------------|------------------------------------------------|---------------------------------------------|---------------------------------------------|---------------------------------------------|---------------------------------------------|---------------------------------------------|---------------------------------------------|
| (Rs. in Crore)                              | (Rs. in Crore)                                 | (Rs. in Crore)                              | (Rs. in Crore)                              | (Rs. in Crore)                              | (Rs. in Crore)                              | (Rs. in Crore)                              | (Rs. in Crore)                              |
| TOP 10 SECTORS HAVING HIGHEST NPAs FOR SCBs | TOP 10 SECTORS HAVING HIGHEST NPAs FOR SCBs    | TOP 10 SECTORS HAVING HIGHEST NPAs FOR SCBs | TOP 10 SECTORS HAVING HIGHEST NPAs FOR SCBs | TOP 10 SECTORS HAVING HIGHEST NPAs FOR SCBs | TOP 10 SECTORS HAVING HIGHEST NPAs FOR SCBs | TOP 10 SECTORS HAVING HIGHEST NPAs FOR SCBs | TOP 10 SECTORS HAVING HIGHEST NPAs FOR SCBs |
|                                             |                                                | 2016-03 (MAR)                               | 2016-03 (MAR)                               | 2016-03 (MAR)                               | 2016-06 (JUN)                               | 2016-06 (JUN)                               | 2016-06 (JUN)                               |
| SR. NO.                                     |                                                | Total Advances (Outstanding) - Funded       | Gross NPAs at end of the period             | NPA Ratio (%)                               | Total Advances (Outstanding) - Funded       | Gross NPAs at end of the period             | NPA Ratio (%)                               |
| 1                                           | Basic Metal and Metal Products                 | 3,88,078                                    | 1,24,882                                    | 32.18                                       | 4,33,018                                    | 1,49,278                                    | 34.47                                       |
| 2                                           | Textiles                                       | 1,80,660                                    | 29,643                                      | 16.41                                       | 2,14,574                                    | 37,383                                      | 17.42                                       |
| 3                                           | Beverages (excluding Tea & Coffee) and Tobacco | 20,597                                      | 2,954                                       | 14.34                                       | 18,785                                      | 3,195                                       | 17.01                                       |
| 4                                           | Gems and Jewellery                             | 74,101                                      | 11,195                                      | 15.11                                       | 81,657                                      | 13,414                                      | 16.43                                       |
| 5                                           | Construction                                   | 89,690                                      | 13,695                                      | 15.27                                       | 92,671                                      | 14,944                                      | 16.13                                       |
| 6                                           | Other Industries                               | 4,15,132                                    | 30,396                                      | 7.32                                        | 2,13,844                                    | 32,293                                      | 15.10                                       |
| 7                                           | Mining and Quarrying                           | 36,932                                      | 4,102                                       | 11.11                                       | 34,763                                      | 5,218                                       | 15.01                                       |
| 8                                           | Spinning Mills                                 | 20,681                                      | 3,236                                       | 15.65                                       | 23,102                                      | 3,266                                       | 14.14                                       |
| 9                                           | Wood and Wood Products                         | 8,879                                       | 1,326                                       | 14.94                                       | 10,310                                      | 1,361                                       | 13.20                                       |
| 10                                          | Paper and Paper Products                       | 35,663                                      | 4,716                                       | 13.22                                       | 38,145                                      | 4,982                                       | 13.06                                       |
| Source: RBI                                 | Source: RBI                                    | Source: RBI                                 | Source: RBI                                 | Source: RBI                                 | Source: RBI                                 | Source: RBI                                 | Source: RBI                                 |