Lok Sabha Question No. 3132 (UNSTARRED), answered on 2018-01-05
Subject: Written Off Loans
Ministry: FINANCE
Asked by: C. N. JAYADEVAN, K. MARAGATHAM

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

## LOK SABHA

UNSTARRED  QUESTION  NO: 3132 TO BE ANSWERED  ON THE 05 th  JANUARY, 2018/PAUSHA  15, 1939 (SAKA)

## QUESTION WRITTEN OFF LOANS

## 3132:  SHRI C.N. JAYADEVAN: SHRIMATI K.  MARAGATHAM:

Will  the Minister  of FINANCE  be pleased to state:

- (a) whether  all scheduled  commercial  banks  wrote  off Rs. 2,25,180 crore  cumulatively in the  five  year   period   ended  March,   2016,  if  so,  the  details   thereof,   public/private sector,  bank-wise;
- (b) whether   this  was  just a  technical   exercise   to  clean   up  accounts,   if  so,  the  details thereof;
- (c) whether   the  Public   Sector   Banks   (PSBs)  have  written  off  loans   worth   Rs.  55,356 crore  in the first  half of the fiscal year  2017-18 which  is 54 percent  higher  than  the last year;  and
- (d) if so, the details  thereof?

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

## ANSWER

## (SHIV PRATAP  SHUKLA)

(a) and (b):  As per Reserve  Bank  of India (RBI) data,  the cumulative  write-off  (including compromise)  of Scheduled  Commercial  Banks (SCBs), for the five- year  period  ending March 2016, was Rs. 2,30,287 crore.  The bank-wise  written-off  amount  of Public  and Private  Sector  Banks  for financial  years  2011-12 to 2015-16 is at Annexure.

Writing  off of non-performing  assets is a regular  exercise  conducted  by  banks  to clean  up their  balance  sheet,  and achieving  taxation  efficiency.

(c) and (d):  As per RBI data,  Public  Sector  Banks (PSBs) have written  off an amount  of Rs. 53,625 crore,  in the first  half of the financial  year  2017-18. The  amount  written  off by PSBs in the financial  year  2016-17 was Rs. 81,683 crore.

**********

Public and Private  Sector Banks Amounts  Written-Off  (including compromise)

|   Sr.No. | Bank                          | 2011-12   | 2012-13   | 2013-14   | 2014-15   | 2015-16   |
|----------|-------------------------------|-----------|-----------|-----------|-----------|-----------|
|        1 | AllahabadBank                 | 1,001     | 1,352     | 782       | 2,109     | 2,097     |
|        2 | AndhraBank                    | 169       | 334       | 263       | 1,124     | 1,179     |
|        3 | Bank ofBaroda                 | 1,215     | 2,356     | 964       | 1,563     | 1,664     |
|        4 | Bank ofIndia                  | 2,415     | 2,415     | 1,767     | 801       | 2,374     |
|        5 | Bank ofMaharashtra            | 395       | 663       | 401       | 264       | 903       |
|        6 | CanaraBank                    | 1,460     | 1,535     | 1,591     | 1,472     | 3,387     |
|        7 | CentralBank ofIndia           | 629       | 1,061     | 1,995     | 1,386     | 1,279     |
|        8 | Corporation Bank              | 565       | 709       | 463       | 779       | 477       |
|        9 | DenaBank                      | 194       | 237       | 479       | 515       | 1,488     |
|       10 | IDBI Bank Ltd.                | 319       | 383       | 1,393     | 1,609     | 5,459     |
|       11 | IndianBank                    | 506       | 520       | 628       | 550       | 926       |
|       12 | IndianOverseasBank            | 1,166     | 1,642     | 1,474     | 3,131     | 2,578     |
|       13 | OrientalBank ofCommerce       | 933       | 1,416     | 1,252     | 925       | 1,668     |
|       14 | Punjaband SindBank            | 39        | 50        | 204       | 263       | 335       |
|       15 | PunjabNationalBank            | 126       | 997       | 1,947     | 6,587     | 7,340     |
|       16 | SyndicateBank                 | 891       | 1,297     | 1,025     | 1,527     | 1,995     |
|       17 | UCOBank                       | 391       | 617       | 1,423     | 1,401     | 1,573     |
|       18 | UnionBank ofIndia             | 938       | 1,129     | 913       | 931       | 792       |
|       19 | UnitedBankof India            | 233       | 1,094     | 481       | 761       | 649       |
|       20 | VijayaBank                    | 214       | 543       | 296       | 791       | 510       |
|       21 | StateBankof Bikanerand Jaipur | 275       | 463       | 399       | 363       | 1,399     |
|       22 | StateBankof Hyderabad         | 265       | 343       | 31        | 355       | 1,569     |
|       23 | StateBankof India             | 744       | 5,594     | 13,177    | 21,313    | 15,763    |
|       24 | StateBankof Mysore            | 165       | 275       | 403       | 740       | 588       |
|       25 | StateBankof Patiala           | 120       | 28        | 463       | 755       | 1,156     |
|       26 | StateBankof Travancore        | 182       | 176       | 196       | 526       | 398       |
|       27 | AxisBankLtd.                  | 666       | 800       | 896       | 1,210     | 3,234     |
|       28 | DevelopmentCreditBank Ltd.    | 37        | 66        | 125       | 47        | 60        |
|       29 | HDFCBank Ltd.                 | 941       | 1,136     | 1,429     | 1,840     | 1,854     |
|       30 | ICICI BankLtd.                | 1,183     | 1,646     | 2,177     | 1,696     | 2,955     |
|       31 | IndusIndBankLtd.              | 71        | 144       | 181       | 602       | 290       |
|       32 | KotakMahindraBank Ltd.        | 99        | 133       | 206       | 99        | 289       |
|       33 | Yes Bank Ltd.                 | 26        | 107       | 74        | 53        | 258       |
|       34 | CatholicSyrianBank Ltd.       | 33        | 26        | 1         | 111       | 142       |
|       35 | CityUnionBank Ltd.            | 52        | 102       | 133       | 148       | 125       |
|       36 | FederalBank Ltd.              | 108       | 11        | 468       | 233       | 452       |
|       37 | INGVysyaBank Ltd.             | 52        | 69        | 52        | 363       | 0         |
|       38 | Jammu&KashmirBank Ltd.        | 114       | 87        | 7         | 25        | 328       |
|       39 | KarnatakaBank Ltd.            | 203       | 192       | 146       | 219       | 305       |
|       40 | KarurVysyaBankLtd.            | 16        | 137       | 69        | 151       | 948       |
|       41 | LakshmiVilasBankLtd.          | 11        | 28        | 231       | 15        | 172       |
|       42 | NainitalBank Ltd.             | 4         | 0         | 0         | 0         | 0         |
|       43 | RBLBank                       | 0         | 18        | 1         | 5         | 73        |
|       44 | SouthIndianBank Ltd.          | 26        | 144       | 164       | 43        | 321       |
|       45 | TamilnadMercantileBank Ltd.   | 48        | 48        | 30        | 276       | 99        |
|       46 | TheDhanalakshmiBank Ltd.      | 2         | 1         | 70        | 180       | 112       |

Amount in

Source:  RBI

crore  Rupees