Lok Sabha Question No. 372 (STARRED), answered on 2017-08-11
Subject: Non-Performing Assets
Ministry: FINANCE
Asked by: KALYAN BANERJEE

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

## LOK SABHA

TO BE ANSWERED ON THE 11th AUGUST, 2017 / SHRAVANA 20, 1939 (SAKA)

## NON-PERFORMING ASSETS

## *372: SHRI KALYAN BANERJEE:

Will the Minister of FINANCE be pleased to state:

- a) whether the net Non-Performing Assets (NPA) of the State Bank of India has come down to 3.71 per cent and if so, the details thereof;
- b) whether the Government Departments Undertakings are the defaulters causing NPA; top
- c) if the details of NPAs of Public Sector and Private Sector Banks during the last five years and the current year; SO,
- d) the action   taken/being taken by the Government to sober down the NPAs therein; and
- e) the salient features of the report of the oversight committee for speedy resolution of 100 large non-performing corporate loan accounts?

## ANSWER FINANCE MINISTER

(SHRI ARUN JAITLEY)

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

## 20174 SHRAVANA 20, 1939 (SAKA REGARDING NON-PERFORMNG ASSETS BY SHRI KALYAN BANERJEE

- (a) to (e): The Net Non-Performing Assets (NNPA) of the State Bank of India as on March 31,2017 are 3.72% of Total Advances. There is no Government Departmentlundertaking in the 25 NPAs of the bank as on March 31,2017 . top

The details of Non-Performing Assets (NPAs) of Public Sector and Private Sector banks during the last five years and the current year are as under:

| Data on NPAS of Public Sector Banks and Private Sector Banks during the last Five Financial Years and Gross NPA Ratio   | Data on NPAS of Public Sector Banks and Private Sector Banks during the last Five Financial Years and Gross NPA Ratio   | Data on NPAS of Public Sector Banks and Private Sector Banks during the last Five Financial Years and Gross NPA Ratio   | Data on NPAS of Public Sector Banks and Private Sector Banks during the last Five Financial Years and Gross NPA Ratio   | Data on NPAS of Public Sector Banks and Private Sector Banks during the last Five Financial Years and Gross NPA Ratio   | Data on NPAS of Public Sector Banks and Private Sector Banks during the last Five Financial Years and Gross NPA Ratio   |
|-------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------------------------------------------------------------------------|
|                                                                                                                         | 2013                                                                                                                    | 2014                                                                                                                    | 2015                                                                                                                    | 2016                                                                                                                    | 2017                                                                                                                    |
| Public Sector Banks (PSBs)- Gross NPA                                                                                   | 1,55,890                                                                                                                | 2,16,739                                                                                                                | 2,67,065                                                                                                                | 5,02,068                                                                                                                | 6,41,057                                                                                                                |
| Gross NPA Ratio                                                                                                         | 3.84                                                                                                                    | 4.72                                                                                                                    | 5.43                                                                                                                    | 9.83                                                                                                                    | 12.47                                                                                                                   |
| Private Sector Banks- Gross NPA                                                                                         | 19,986                                                                                                                  |                                                                                                                         | 31,576                                                                                                                  | 48,380                                                                                                                  | 842 73,E                                                                                                                |
| Gross NPA Ratio                                                                                                         | 1.91                                                                                                                    | 1.88                                                                                                                    | 2.20                                                                                                                    | 2.70                                                                                                                    | 3.51                                                                                                                    |

Source: RBI

Banks have been  provided tools like Corporate Debt  Restructuring, formation of JLFs, Flexible structuring for long term project loans (5/25 scheme) , Strategic Debt Restructuring (SDR) and Sustainable Structuring of Stressed Assets (S4A) for faster resolution of Stressed Assets .

Sector specific measures for sectors like Roads (one time fund infusion by NHAI intervention in the stalled project) , Power sector (UDAY scheme) , Steel sector (notification of Minimum Import Price) have also been taken to give a boost to the sector so that stress be reduced. In 2016, the Central Government has enacted the Insolvency and Bankruptcy Code, 2016 (Code) for time bound and court supervised resolution of stressed assets.

RBI has constituted an Overseeing Committee (OC) for   overseeing the resolution of accounts following under schematic resolution with the objective of giving comfort to lenders by introducing third party vetting of the resolution process.

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