Lok Sabha Question No. 171 (UNSTARRED), answered on 2018-02-02
Subject: Non Performing Assets
Ministry: FINANCE
Asked by: DODDAALAHALLI KEMPEGOWDA SURESH

## GOVERNMENT  OF INDIA

## MINISTRY  OF FINANCE DEPARTMENT  OF FINANCIAL SERVICES LOK SABHA

UNSTARRED  QUESTION  NO: 171

TO BE ANSWERED  ON THE 2 ND  FEBRUARY,  2018/MAGHA  13, 1939 (SAKA)

## QUESTION NON-PERFORMING  ASSETS

## 171:   SHRI D.K.  SURESH:

Will  the Minister  of FINANCE  be pleased to state:

- a) the  details   of  the  estimated   bad  loans   of  Public   Sector   Banks   termed   as  Non Performing  Assets (NPAs)  during  the last three  years,  bank-wise;
- b) the proportionate  share of the NPAs  of the corporate  sector and farmers  during  the said period,  sector-wise;
- c) whether   the  banks   are  encouraging   only   corporate   sector  whereas   farmers   are discouraged  to take  loans  for agriculture, if so, the details  thereof;  and
- d) whether  the Government  has waived  off the loans for the corporate  sector but not for farmers,  if so, the details  thereof  and the response  of the Government  in this regard?

## ANSWER

## To be answered by THE MINISTER  OF STATE  IN THE  MINISTRY  OF FINANCE

## (SHIV PRATAP  SHUKLA)

- (a) and (b): As per Reserve  Bank of India's  (RBI) data on domestic  operations,  bankwise Gross Non-performing  Assets (GNPAs)  of Public  Sector Banks (PSBs) and   the proportionate   shares  of  GNPAs   of  Industry   and  Agriculture and  Allied   Activities  in total   GNPAs   of  PSBs,  as  on  31.3.2015,   31.3.2016,   31.3.2017   and  30.9.2017,   are  at Annexure.
- (d) No corporate  loan waiver  has been done by  the Government.  Banks write-off  loans based on RBI guidelines  and their  Board-approved  policy.
- (c) As per RBI data, the Agriculture and Allied  Activities  Advances  Outstanding  rose to Rs. 8,84,996 crore  as on 31.3.2017,  as compared  to Rs. 6,69,529 crore  as on 31.3.2015.

**********

Annexure

Amounts

| Sr.No.   | Bank                       | GrossNPA        | GrossNPA        | GrossNPA        | GrossNPA        |
|----------|----------------------------|-----------------|-----------------|-----------------|-----------------|
| Sr.No.   | Bank                       | As on 31.3.2015 | As on 31.3.2016 | As on 31.3.2017 | As on 30.9.2017 |
| 1        | AllahabadBank              | 8,274           | 15,124          | 20,520          | 21,310          |
| 2        | Andhra Bank                | 6,877           | 11,444          | 17,670          | 19,839          |
| 3        | Bank ofBaroda              | 13,921          | 33,508          | 34,935          | 38,652          |
| 4        | Bank ofIndia               | 20,245          | 43,124          | 42,724          | 39,671          |
| 5        | Bank ofMaharashtra         | 6,402           | 10,386          | 17,189          | 17,239          |
| 6        | BhartiyaMahilaBank         | 0               | 1               | 55              | -               |
| 7        | CanaraBank                 | 12,490          | 29,435          | 31,801          | 36,537          |
| 8        | CentralBank ofIndia        | 11,873          | 22,721          | 27,251          | 31,641          |
| 9        | Corporation Bank           | 7,107           | 14,544          | 17,045          | 20,685          |
| 10       | DenaBank                   | 4,393           | 8,560           | 12,619          | 13,201          |
| 11       | IDBI Bank Limited          | 12,654          | 20,037          | 38,223          | 45,097          |
| 12       | IndianBank                 | 5,366           | 8,328           | 9,588           | 9,408           |
| 13       | IndianOverseasBank         | 13,153          | 26,597          | 32,521          | 33,010          |
| 14       | OrientalBankof Commerce    | 7,666           | 14,702          | 22,859          | 26,432          |
| 15       | Punjab&SindBank            | 3,082           | 4,229           | 6,298           | 6,822           |
| 16       | PunjabNationalBank         | 25,318          | 54,424          | 53,121          | 55,257          |
| 17       | SyndicateBank              | 5,904           | 11,974          | 15,662          | 18,211          |
| 18       | UCOBank                    | 9,782           | 20,106          | 21,699          | 23,329          |
| 19       | UnionBank ofIndia          | 12,672          | 23,143          | 30,928          | 35,294          |
| 20       | UnitedBank ofIndia         | 6,553           | 9,471           | 10,952          | 12,893          |
| 21       | VijayaBank                 | 2,443           | 6,027           | 6,382           | 6,649           |
| 22       | StateBank ofBikaner&Jaipur | 2,945           | 3,603           | 10,677          | -               |
| 23       | StateBank ofHyderabad      | 4,985           | 6,591           | 18,212          | -               |
| 24       | StateBank ofIndia          | 54,107          | 90,388          | 1,05,549        | 1,78,628        |
| 25       | StateBank ofMysore         | 2,136           | 3,636           | 9,915           | -               |
| 26       | StateBank ofPatiala        | 4,360           | 6,767           | 17,847          | -               |
| 27       | StateBank ofTravancore     | 2,357           | 3,200           | 8,817           | -               |

| S. No.   | Data category                    | Proportionateshare ofGNPAsbydata category in totalGNPAsofPSBs   | Proportionateshare ofGNPAsbydata category in totalGNPAsofPSBs   | Proportionateshare ofGNPAsbydata category in totalGNPAsofPSBs   | Proportionateshare ofGNPAsbydata category in totalGNPAsofPSBs   |
|----------|----------------------------------|-----------------------------------------------------------------|-----------------------------------------------------------------|-----------------------------------------------------------------|-----------------------------------------------------------------|
|          |                                  | As on 31.3.2015                                                 | As on 31.3.2016                                                 | As on 31.3.2017                                                 | As on 30.9.2017                                                 |
| 1.       | Industry                         | 60.92%                                                          | 69.27%                                                          | 73.33%                                                          | 74.28%                                                          |
| 2.       | Agriculture and AlliedActivities | 13.09%                                                          | 9.55%                                                           | 8.89%                                                           | 8.58%                                                           |

Note:  RBI has apprised  that  information  on share of NPAs  of farmers  is not available,  and that  data on asset quality,  e.g.,  outstanding  GNPAs,  are not collected  under  the nomenclature as 'corporate'.

Source: Reserve Bank of India