Lok Sabha Question No. 406 (UNSTARRED), answered on 2017-02-03
Subject: NPAs
Ministry: FINANCE
Asked by: LALLU SINGH, ANTO  ANTONY, C. N. JAYADEVAN, ELUMALAI VELLAIGOUNDER, A. ARUNMOZHITHEVAN, A.T. (NANA) PATIL

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

## LOK SABHA UNSTARRED QUESTION NO. 406

TO BE ANSWERED ON THE 3r FEBRUARY, 2017/ MAGHA 14, 1938 (SAKA)

## NPAs

406. SHRI LALLU SINGH

SHRI ANTO ANTONY:

SHRI C.N. JAYADEVAN:

SHRI V. ELUMALAI:

SHRI A: ARUNMOZHITHEVAN:

NANA PATIL :

Will the Minister of FINANCE be pleased to state:

- a) the percentage of Non-Performing Assets (NPAs) of publiclprivate sector banks during March 2014, 2015 and 2016 along with the percentage of NPAs recovered during the said period;
2. whether the Government has taken sector specific measures where incidence of NPAs is high and if So, the details thereof;
- b) whether the Public Sector banks have seen an increase of bad loans in gross NPAs in six months ending September; 2016 and a stressed assets from 11.5 to 12.3 per cent and if so, the details of NPAs recorded, bank-wise;
- d) whether the Reserve Bank of India (RBI) has proposes to deal with the NPAs situation with firmness but also with pragmatism, if the details thereof; and SO,
- e) whether the RBI has been working with the banks and the Government in this regard, if the details thereof? SO,

## ANSWER THE MINISTER OF STATE IN THE MINISTRY OF FINANCE

- (a) The details of Gross Advances, Gross Non-Performing Assets (GNPA) and Gross NPA ratio of Public Secto Banks (PSBs) and Private Sector Banks for last three years are as under:

| PUBLIC SECTOR BANKS (Rs. In crore)   | PUBLIC SECTOR BANKS (Rs. In crore)   | PUBLIC SECTOR BANKS (Rs. In crore)   | PUBLIC SECTOR BANKS (Rs. In crore)   |
|--------------------------------------|--------------------------------------|--------------------------------------|--------------------------------------|
|                                      | GROSS ADVANCES                       | GNPA                                 | GNPA RATIO                           |
| FY 2014                              | 45,90,458                            | 2,16,739                             | 4.72%                                |
| FY 2015                              | 49,17,228                            | 2,67,065                             | 5.43%                                |
| FY 2016                              | 51,04,915                            | 5,02,068                             | 9.83%                                |
| PRIVATE SECTOR BANKS (Rs: In crore)  | PRIVATE SECTOR BANKS (Rs: In crore)  | PRIVATE SECTOR BANKS (Rs: In crore)  | PRIVATE SECTOR BANKS (Rs: In crore)  |
|                                      | GROSS ADVANCES                       | GNPA                                 | GNPA RATIO                           |
| FY 2014                              | 12,10,661                            | 738 22,                              | 1.88                                 |
| FY 2015                              | 14,37,338                            | 31,576                               | 2.20                                 |
| FY 2016                              | 17,91,681                            | 48,380                               | 2.70                                 |

The details relating to Recovery of NPAs through SARFAESI Act; 2002, DRT Act, 1993 and Lok Adalats by the Public Sector Banks (PSBs) is as Annex-I.

- b) The details of Gross NPA, Gross NPA ratio and Gross NPA + Restructured advances ratio of Public Sector Banks (PSBs) is mentioned as under:

| PUBLIC SECTOR BANKS (Rs: In crore)      | PUBLIC SECTOR BANKS (Rs: In crore)   | PUBLIC SECTOR BANKS (Rs: In crore)   |
|-----------------------------------------|--------------------------------------|--------------------------------------|
|                                         | FY 2016                              | 2016 Sep-                            |
| GROSS NPA                               | 5,02,068                             | 5,89,502                             |
|                                         | 9.83                                 | 11.82                                |
| GROSS NPA + RESTRUCTURED ADVANCES RATIO | 14.40                                | 15.88                                |

Source: RBI

The details of Bank wise NPAs are at Annex-Il.

(c) to (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 Securitizatior 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' Forur (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).

Source: RBI

Annex NPAs of PSBs recovered through various channels

|                      | 2013-14              | 2013-14         | 2013-14          | 2014-15     | 2014-15         | 2014-15              | 2015-16              | 2015-16         | 2015-16          |
|----------------------|----------------------|-----------------|------------------|-------------|-----------------|----------------------|----------------------|-----------------|------------------|
| Channels of Recovery | No of cases referred | Amount involved | Amount recovered | No of cases | Amount involved | Amount recovered 931 | No of cases referred | Amount involved | Amount recovered |
| LokAdalat            | 11,67,059            | 17016           | 1414             | 25,96,351   | 27020           |                      | 42,44,800            | 69017           | 3134             |
| DRTs                 | 24,813               | 45350           | 4460             | 18397       | 53203           | 3484                 | 19,133               | 57439           | 5590             |
| SARFAESI             | 1,81,216             | 86783           | 22178            | 1,66,804    | 146306          | 23434                | 1,59,147             | 65008           | 11033            |
| Total                | 13,73,088            | 149149          | 28052            | 27,81,552   | 226529          | 27849                | 44,23,080            | 191464          | 19757            |

(Amount in Rs Crore)

| SR: NO:                                                                     | PUBLIC SECTOR BANKS                                                         | In Crore) GROSS NPAs                                                        | In Crore) GROSS NPAs                                                        | GNPA RATIO                                                                  | GNPA RATIO                                                                  |
|-----------------------------------------------------------------------------|-----------------------------------------------------------------------------|-----------------------------------------------------------------------------|-----------------------------------------------------------------------------|-----------------------------------------------------------------------------|-----------------------------------------------------------------------------|
| SR: NO:                                                                     | PUBLIC SECTOR BANKS                                                         | Mar-16                                                                      | Sep-16                                                                      | Mar-16                                                                      | Sep-16                                                                      |
|                                                                             | Allahabad Bank                                                              | 15,124                                                                      | 18,852                                                                      | 10.22                                                                       | 12.96                                                                       |
|                                                                             | Andhra Bank                                                                 | 11,444                                                                      | 16,263                                                                      | 8.39                                                                        | 11.49                                                                       |
|                                                                             | Bank of Baroda                                                              | 33,508                                                                      | 35,467                                                                      | 11.93                                                                       | 13.33                                                                       |
|                                                                             | Bank of India                                                               | 43,124                                                                      | 44,040                                                                      | 16.06                                                                       | 16.05                                                                       |
| 5                                                                           | Bank of Maharashtra                                                         | 10,386                                                                      | 14,434                                                                      |                                                                             | 14.08                                                                       |
| 6                                                                           | Bharatiya Mahila Bank Ltd:                                                  | 1                                                                           | 3                                                                           | 0.22                                                                        | 0.51                                                                        |
| 7                                                                           | Canara Bank                                                                 | 29,435                                                                      | 31,466                                                                      | 9.36                                                                        | 10.00                                                                       |
| 8                                                                           | Central Bank of India                                                       | 22,721                                                                      | 25,718                                                                      | 11.95                                                                       | 13.70                                                                       |
|                                                                             | Corporation Bank                                                            |                                                                             | 15,611                                                                      | 9.98                                                                        | 10.81                                                                       |
| 10                                                                          | Dena Bank                                                                   | 8,560                                                                       | 10,825                                                                      | 9.98                                                                        | 13.79                                                                       |
| 11                                                                          | IDBI Bank Limited                                                           | 20,037                                                                      | 25,973                                                                      | 9.96                                                                        | 12.71                                                                       |
| 12                                                                          | Indian Bank                                                                 | 8,328                                                                       | 8,970                                                                       | 6.55                                                                        | 7.43                                                                        |
| 13                                                                          | Indian Overseas Bank                                                        | 26,597                                                                      | 31,073                                                                      | 17.11                                                                       | 21.48                                                                       |
|                                                                             | Oriental Bank of Commerce                                                   | 14,702                                                                      | 18,383                                                                      | 9.57                                                                        |                                                                             |
| 15                                                                          | Punjab & Sind Bank                                                          | 4,229                                                                       | 5,328                                                                       | 6.48                                                                        | 8.63                                                                        |
| 16                                                                          | Punjab National Bank                                                        |                                                                             | 54,640                                                                      | 14.35                                                                       | 15.17                                                                       |
| 17                                                                          | Syndicate Bank                                                              | 11,974                                                                      | 14,141                                                                      | 7.12                                                                        | 8.43                                                                        |
| 18                                                                          | UCO Bank                                                                    | 20,106                                                                      | 21,424                                                                      | 16.93                                                                       | 18.46                                                                       |
| 19                                                                          | Union Bank of India                                                         | 23,143                                                                      | 27,891                                                                      | 9.20                                                                        | 11.07                                                                       |
| 20                                                                          | United Bank of India                                                        | 9,471                                                                       | 11,134                                                                      | 13.26                                                                       | 16.26                                                                       |
| 21                                                                          | Bank Vijaya                                                                 | 6,027                                                                       | 6,491                                                                       | 6.64                                                                        | 7.07                                                                        |
| 22                                                                          | State Bank of Bikaner & Jaipur                                              | 3,603                                                                       | 7,669                                                                       | 4.82                                                                        | 10.50                                                                       |
| 23                                                                          | State Bank of Hyderabad                                                     | 6,591                                                                       | 15,307                                                                      | 5.75                                                                        | 13.66                                                                       |
| 24                                                                          | State Bank of India                                                         | 90,388                                                                      | 97,356                                                                      | 7.27                                                                        | 8.10                                                                        |
| 25                                                                          | State Bank of Mysore                                                        | 3,636                                                                       | 7,174                                                                       | 6.56                                                                        | 13.01                                                                       |
| 26                                                                          | State Bank of Patiala                                                       | 6,767                                                                       | 15,997                                                                      | 7.87                                                                        | 19.08                                                                       |
| 27                                                                          | State Bank of Travancore                                                    | 3,200                                                                       | 7,872                                                                       | 4.78                                                                        | 11.55                                                                       |
| TOTAL 5,02,068 5,89,502 9.83 11.82 Source: RBI Data for 2016 (Audited) Sep- | TOTAL 5,02,068 5,89,502 9.83 11.82 Source: RBI Data for 2016 (Audited) Sep- | TOTAL 5,02,068 5,89,502 9.83 11.82 Source: RBI Data for 2016 (Audited) Sep- | TOTAL 5,02,068 5,89,502 9.83 11.82 Source: RBI Data for 2016 (Audited) Sep- | TOTAL 5,02,068 5,89,502 9.83 11.82 Source: RBI Data for 2016 (Audited) Sep- | TOTAL 5,02,068 5,89,502 9.83 11.82 Source: RBI Data for 2016 (Audited) Sep- |