Lok Sabha Question No. 67 (STARRED), answered on 2022-12-12
Subject: Write off of Bank NPAs
Ministry: FINANCE
Asked by: K. Subbarayan

## GOVERNMENT OF INDIA MINISTRY OF FINANCE

## LOK SABHA STARRED QUESTION NO. *67 ANSWERED ON 12.12.2022

## Write off of Bank NPAs

## *67.  Shri Subbarayan K.:

Will the Minister of FINANCE be pleased to state:

- (a) the  details  of  amount  written  off  in  respect  of  Non-Performing  Assets  (NPAs)  of banks between the years 2019 to 2022, account and bank-wise; and
- (b) the percentage of education loans to the total NPAs?

## ANSWER

## FINANCE MINISTER (SMT. NIRMALA SITHARAMAN)

- (a) and (b): A statement is laid on the Table of the House.

*****

Statement referred to in reply to parts (a) and (b) in respect of Lok Sabha Starred Question No. *67 for reply on 12.12.2022 regarding Write off of Bank NPAs asked by Shri Subbarayan K.

(a) and (b): As per Reserve Bank of India (RBI) guidelines and poli cy approved by banks' Boards, NPAs, including, inter-alia ,  those in respect of which full provisioning has been made  on  completion  of  four  years,  are  removed  from  the  balance-sheet  of  the  bank concerned by way of write-off. Banks evaluate/consider the impact of write-offs as part of their regular exercise to clean up their balance-sheet, avail of tax benefit and optimise capital,  in  accordance  with  RBI  guidelines  and  policy  approved  by  their  Boards.  The borrowers of written-off loans continue to be liable for repayment and the process of recovery  of  dues  from  the  borrower  in  written-off  loan  accounts  continues.  Banks continue  to  pursue  recovery  actions  initiated  in  written-off  accounts  through  various recovery  mechanisms  available,  such  as  filing  of  a  suit  in  civil  courts  or  in  Debts Recovery  Tribunals,  action  under  the  Securitisation  and  Reconstruction  of  Financial Assets  and  Enforcement  of  Security  Interest  Act,  2002,  filing  of  cases  in  the  National Company  Law  Tribunal  under  the  Insolvency  and  Bankruptcy  Code,  2016,  through negotiated  settlement/compromise,  and  through  sale  of  non-performing  assets.  Bankwise details of NPAs written off by scheduled commercial banks (SCBs) during 2019 to 2022 are at Annex-1 . Further, RBI has informed that under the provisions of section 45E of the Reserve Bank of India Act, 1934, RBI is prohibited from disclosing borrower-wise credit information.

As per RBI data on domestic operations, as on 31.3.2022, 0.82% of gross NPAs of SCBs pertain to education loans.

*****

## Lok Sabha Starred question no. *67, regarding Write off of Bank NPAs

## Amounts written off by Scheduled Commercial Banks

Amounts in crore Rs.

| Bank                                              | FY 2018-19   | FY 2019-20   | FY 2020-21              | FY 2021-22              |
|---------------------------------------------------|--------------|--------------|-------------------------|-------------------------|
| AB Bank Limited                                   | 9            | 0            | 0                       | 0                       |
| Abu Dhabi Commercial Bank PJSC                    | 22           | 64           | 0                       | --                      |
| American Express Banking Corporation              | 166          | 180          | 127                     | 215                     |
| AU Small Finance Bank Limited                     | 20           | 47           | 115                     | 188                     |
| Australia and New Zealand Banking Group Limited   | 0            | 75           | 0                       | 0                       |
| Axis Bank Limited                                 | 8,278        | 9,019        | 12,018                  | 9,126                   |
| Bandhan Bank Limited                              | 277          | 655          | 2,038                   | 3,247                   |
| Bank of Bahrain and Kuwait B.S.C.                 | 0            | 5            | 61                      | 9                       |
| Bank of Baroda (BoB)                              | 13,102       | 15,912       | 14,782                  | 17,967                  |
| Dena Bank                                         | 4,672        |              |                         | Merged with BoB         |
| Vijaya Bank                                       | 1,518        |              |                         |                         |
| Bank of Ceylon                                    | 0            | 0            | 1                       | 0                       |
| Bank of India                                     | 7,405        | 7,618        | 8,815                   | 10,443                  |
| Bank of Maharashtra                               | 5,127        | 5,698        | 4,931                   | 3,118                   |
| Bank of Nova Scotia                               | 26           | 0            | 0                       | 0                       |
| Barclays Bank PLC                                 | 0            | 52           | 73                      | 163                     |
| BNP Paribas                                       | 0            | 0            | 0                       | 1                       |
| Canara Bank                                       | 14,267       | 7,498        | 7,642                   | 8,210                   |
| Syndicate Bank                                    | 6,775        | 4,934        | Merged with Canara Bank | Merged with Canara Bank |
| Central Bank of India                             | 10,375       | 4,169        | 5,992                   | 1,236                   |
| Citibank N.A.                                     | 505          | 559          | 370                     | 576                     |
| City Union Bank Limited                           | 264          | 374          | 412                     | 629                     |
| Cooperatieve Rabobank U.A.                        | 80           | 123          | 0                       | 175                     |
| Credit Agricole Corporate and Investment Bank     | 251          | 0            | 0                       | 0                       |
| Credit Suisse AG                                  | 0            | 260          | 0                       | 0                       |
| CSB Bank Limited                                  | 301          | 215          | 138                     | 110                     |
| DBS Bank India Limited (DBIL)                     | 17           | 184          | 139                     | 438                     |
| Lakshmi Vilas Bank Limited                        | 261          | 19           | 108                     | Merged with DBIL        |
| DCB Bank Limited                                  | 67           | 120          | 126                     | 88                      |
| Deutsche Bank AG                                  | 169          | 105          | 485                     | 213                     |
| Equitas Small Finance Bank Limited                | 61           | 72           | 245                     | 360                     |
| ESAF Small Finance Bank Limited                   | 89           | 29           | 0                       | 74                      |
| Federal Bank Limited                              | 186          | 734          | 398                     | 929                     |
| Fincare Small Finance Bank Limited                | 10           | 45           | 28                      | 370                     |
| HDFC Bank Limited                                 | 4,568        | 8,254        | 9,289                   | 9,405                   |
| Hongkong and Shanghai Banking Corporation Limited | 359          | 119          | 185                     | 234                     |

| Bank                                    | FY 2018-19   | FY 2019-20   | FY 2020-21              | FY 2021-22              |
|-----------------------------------------|--------------|--------------|-------------------------|-------------------------|
| ICICI Bank Limited                      | 11,557       | 10,952       | 9,507                   | 10,148                  |
| IDBI Bank Limited                       | 15,918       | 5,936        | 8,392                   | 2,889                   |
| IDFC First Bank Limited                 | 1,272        | 1,510        | 1,433                   | 4,202                   |
| Indian Bank                             | 2,872        | 3,032        | 8,371                   | 8,347                   |
| Allahabad Bank                          | 4,219        | 9,120        | Merged with Indian Bank | Merged with Indian Bank |
| Indian Overseas Bank                    | 7,794        | 16,405       | 4,618                   | 3,769                   |
| IndusInd Bank Limited                   | 1,923        | 2,539        | 4,055                   | 4,385                   |
| Industrial and Commercial Bank of China | 0            | 43           | 35                      | 0                       |
| Jammu and Kashmir Bank Limited          | 923          | 65           | 1,185                   | 758                     |
| Jana Small Finance Bank Limited         | --           | 300          | 233                     | 585                     |
| Karnataka Bank Limited                  | 808          | 904          | 1,060                   | 585                     |
| Karur Vysya Bank Limited                | 447          | 961          | 619                     | 879                     |
| KEB Hana Bank                           | 0            | 0            | 12                      | 0                       |
| Kotak Mahindra Bank Limited             | 220          | 936          | 628                     | 1,230                   |
| Nainital Bank Limited                   | 1            | 0            | 1                       | 119                     |
| Natwest Markets PLC                     | 115          | 0            | 0                       | 0                       |
| North East Small Finance Bank Limited   | --           | 8            | 0                       | 81                      |
| PT Bank Maybank Indonesia TBK           | 0            | 0            | 0                       | 18                      |
| Punjab and Sind Bank                    | 1,635        | 1,781        | 71                      | 1,134                   |
| Punjab National Bank (PNB)              | 12,253       | 13,365       | 15,877                  | 18,312                  |
| Oriental Bank of Commerce               | 6,457        | 3,351        | Merged with PNB         | Merged with PNB         |
| United Bank of India                    | 5,365        | 1,728        |                         |                         |
| RBL Bank Limited                        | 320          | 1,253        | 1,675                   | 2,294                   |
| Sberbank                                | 0            | 0            | 0                       | 50                      |
| SBM Bank (India) Limited                | 0            | 45           | 12                      | 19                      |
| South Indian Bank Limited               | 287          | 874          | 1,135                   | 700                     |
| Standard Chartered Bank                 | 2,309        | 3,111        | 1,697                   | 1,325                   |
| State Bank of India                     | 58,905       | 52,362       | 34,402                  | 19,666                  |
| Suryoday Small Finance Bank Limited     | 34           | 48           | 97                      | 231                     |
| Tamilnad Mercantile Bank Limited        | 264          | 366          | 393                     | 321                     |
| The Dhanalakshmi Bank Limited           | 3            | 103          | 14                      | 83                      |
| UCO Bank                                | 4,420        | 12,479       | 9,410                   | 3,851                   |
| Ujjivan Small Finance Bank Limited      | 178          | 64           | 74                      | 789                     |
| Union Bank of India (UBI)               | 7,771        | 8,417        | 16,983                  | 19,484                  |
| Andhra Bank                             | 2,280        | 4,195        |                         |                         |
| Corporation Bank                        | 5,989        | 3,814        | Merged with UBI         | Merged with UBI         |
| United Overseas Bank Limited            | 0            | 55           | 0                       | 0                       |
| Utkarsh Small Finance Bank Limited      | 30           | 56           | 35                      | 219                     |
| Woori Bank                              | 0            | 13           | 0                       | 0                       |
| Yes Bank Limited                        | 469          | 6,842        | 12,240                  | 971                     |

Source: RBI, Global Operations