Lok Sabha Question No. 1135 (UNSTARRED), answered on 2016-07-22
Subject: Bank Loans
Ministry: FINANCE
Asked by: SHIVKUMAR CHANABASAPPA UDASI

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

## LOK SABHA UNSTARRED QUESTION NO. 1135

## TO BE ANSWERED ON THE 22 th July, 2016/ Ashadha 31, 1938 (SAKA)

## Bank Loans QUESTION

## 1135. SHRI SHIV KUMAR UDASI:

Will the Minister of FINANCE be pleased to state: (a) the amount of loans provided by the Public Sector Banks (PSBs) to individuals, industries, corporate houses during each of the last three years and the current year, bank-wise; (b) the details of outstanding loans/Non Performing Assets (NPAs) during each of the last three years and the current year; and (c) the progress of the recovery of such loans during the said period and the measures taken/proposed to be taken to reduce the NPAs of banks?

## ANSWER

The Minister of State in the Ministry of Finance (SHRI SANTOSH KUMAR GANGWAR) (a) to (c): The bank wise amount of loans provided by the Public Sector Banks (PSBs) to individuals, industries, corporate houses during the last three years are at Annexed - I, II & III. The details of outstanding loans/ Non-Performing Assets (NPAs) and Recovery during the last three years and current year is Annexed - IV. The Government has taken specific measures to address issues in sectors such as Infrastructure (Power, Roads etc.), Steel and Textiles where incidence of NPAs is high. The government has also approved establishment of six (6) new Debt Recovery Tribunals (DRTs), to speed up the recovery of bad loans of the banking sector, in addition to existing thirty three. RBI has also undertaken steps which include (i) Formations of Joint Lenders' Forum (JLF) for revitalizing stressed assets in the system, (ii) Flexible Structuring for long term project loans to Infrastructure and Core Industries, and (iii) Strategic Debt Restructuring (SDR) scheme. (iv) Scheme for Sustainable Structuring of Stressed Assets. The Government has recently issued advisory to banks to take action against guarantors in event of default by borrower under relevant section of SARFAESI Act, Indian Contract Act & RDDB&FI Act, since in the event of default; the liability of the guarantor is co-extensive with the borrower.

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## Lok Sabha Unstarred Question No. 2108 for 22.07.2016.

## TABLE 1: CREDIT TO INDIVIDUALS BY PUBLIC SECTOR BANKS

As on 31st March of the year

Annex - I

## Amount in rupees thousands

|                                  | Amount Outstanding   | Amount Outstanding   | Amount Outstanding   |   Amount Outstanding |
|----------------------------------|----------------------|----------------------|----------------------|----------------------|
| Bank                             | 2012                 | 2013                 | 2014                 |                 2015 |
| STATE BANK OF INDIA              | 1940629730           | 3201674711           | 3526572636           |           3869063034 |
| STATE BANK OF BIKANER AND JAIPUR | 94833823             | 188771624            | 205958138            |            238925640 |
| STATE BANK OF HYDERABAD          | 170402117            | 301651465            | 348866901            |            403319289 |
| STATE BANK OF MYSORE             | 132278547            | 130130124            | 154107248            |            180641517 |
| STATE BANK OF PATIALA            | 127465561            | 171908484            | 239302831            |            263286173 |
| STATE BANK OF TRAVANCORE         | 175091308            | 314741952            | 302675355            |            303089987 |
| BANK OF BARODA                   | 323097637            | 493847422            | 580442427            |            685790422 |
| ALLAHABAD BANK                   | 150946037            | 316170853            | 339705612            |            335959722 |
| BANK OF INDIA                    | 294189099            | 497025129            | 640328554            |            742663051 |
| BANK OF MAHARASHTRA              | 133402571            | 220679479            | 245488099            |            313490883 |
| CANARA BANK                      | 1874579176           | 2217244432           | 2030348353           |            881740611 |
| DENA BANK                        | 80599079             | 120669101            | 144267869            |            164476853 |
| INDIAN BANK                      | 223920939            | 438886982            | 413012853            |            487111069 |
| INDIAN OVERSEAS BANK             | 271430248            | 502143092            | 550307485            |            568398516 |
| CENTRAL BANK OF INDIA            | 228212791            | 367467076            | 485732102            |            579784223 |
| UNION BANK OF INDIA              | 222013718            | 366551828            | 454506203            |            562709332 |
| PUNJAB NATIONAL BANK             | 448144210            | 709413267            | 975900356            |           1079735968 |
| UNITED BANK OF INDIA             | 100808956            | 155900488            | 164491419            |            172761111 |
| UCO BANK                         | 451825521            | 549665786            | 514587797            |            509601060 |
| BHARTIYA MAHILA BANK             |                      |                      |                      |               307613 |
| SYNDICATE BANK                   | 258703801            | 437803309            | 486321975            |            565974185 |
| ANDHRA BANK                      | 137275157            | 258622897            | 321371765            |            339017517 |
| CORPORATION BANK                 | 133708746            | 233343634            | 304583067            |            362331262 |
| ORIENTAL BANK OF COMMERCE        | 186677886            | 1194477292           | 295729158            |            327396796 |
| PUNJAB AND SIND BANK             | 65782738             | 90713507             | 155287982            |            131842989 |
| VIJAYA BANK                      | 112210063            | 133326585            | 153780396            |            217329125 |
| I.D.B.I. LTD.                    | 287243997            | 294066529            | 330641920            |            430599160 |
| TOTAL                            | 8625473456           | 13906897048          | 14364318501          |          14717347108 |

Source:

Reserve Bank of India

## Notes:

1. The amount in the year 2012 corresponds to accounts with credit limit more than 2 lakhs.
2. The amount in the years 2013-2015 corresponds to all credit accounts irrespective of credit limit.

## TABLE 2: CREDIT TO INDUSTRIAL SECTOR BY PUBLIC SECTOR BANKS

## As on 31st March of the year

Annex - II

Amount in rupees thousands

|                                  | Amount Outstanding   | Amount Outstanding   | Amount Outstanding   |   Amount Outstanding |
|----------------------------------|----------------------|----------------------|----------------------|----------------------|
| Bank                             | 2012                 | 2013                 | 2014                 |                 2015 |
| STATE BANK OF INDIA              | 3547457308           | 4410900618           | 5088157463           |           5357465518 |
| STATE BANK OF BIKANER AND JAIPUR | 225038746            | 272957880            | 405830016            |            315502904 |
| STATE BANK OF HYDERABAD          | 389355853            | 457685632            | 465731265            |            498203095 |
| STATE BANK OF MYSORE             | 198107712            | 222341014            | 251165599            |            256417581 |
| STATE BANK OF PATIALA            | 342013536            | 429451924            | 405924462            |            410629535 |
| STATE BANK OF TRAVANCORE         | 194675452            | 245785641            | 272141037            |            262448849 |
| BANK OF BARODA                   | 829256952            | 934464258            | 1123236021           |           1211822703 |
| ALLAHABAD BANK                   | 579221624            | 647153189            | 695481152            |            729229165 |
| BANK OF INDIA                    | 805270706            | 922019100            | 1105003498           |           1221713199 |
| BANK OF MAHARASHTRA              | 208350588            | 346579704            | 419964799            |            467575689 |
| CANARA BANK                      | 1143507277           | 1148260366           | 1307773513           |           1411497071 |
| DENA BANK                        | 238603791            | 280175466            | 331055154            |            354238765 |
| INDIAN BANK                      | 341097011            | 387312660            | 452020400            |            435172513 |
| INDIAN OVERSEAS BANK             | 598176688            | 671716760            | 721853655            |            737683091 |
| CENTRAL BANK OF INDIA            | 686163117            | 842304408            | 850199640            |            876493298 |
| UNION BANK OF INDIA              | 672497306            | 746800634            | 850305233            |            917605786 |
| PUNJAB NATIONAL BANK             | 1154694604           | 1235643367           | 1421302769           |           1617355710 |
| UNITED BANK OF INDIA             | 285340420            | 299788586            | 323894226            |            326726735 |
| UCO BANK                         | 525074853            | 563016731            | 536715653            |            514851767 |
| BHARTIYA MAHILA BANK             |                      |                      |                      |               666242 |
| SYNDICATE BANK                   | 87374072             | 53390546             | 491466335            |            618350240 |
| ANDHRA BANK                      | 418256713            | 490966752            | 509230118            |            581825818 |
| CORPORATION BANK                 | 489652896            | 583302329            | 607215927            |            597861275 |
| ORIENTAL BANK OF COMMERCE        | 583855850            | 577752733            | 619800280            |            642579371 |
| PUNJAB AND SIND BANK             | 194677216            | 245598081            | 260633255            |            259957939 |
| VIJAYA BANK                      | 141191339            | 374679937            | 419283553            |            442816904 |
| I.D.B.I. LTD.                    | 923709315            | 1037712204           | 1034378043           |           1036547117 |
| TOTAL                            | 15802620945          | 18427760520          | 20969763066          |          22103237880 |

Source: Reserve Bank of India.

TABLE 3: CREDIT TO PRIVATE CORPORATE SECTOR BY PUBLIC SECTOR BANKS

## As on 31st March of the year

Annex - III

Amount in rupees thousands

|                                  | Amount Outstanding   | Amount Outstanding   | Amount Outstanding   |   Amount Outstanding |
|----------------------------------|----------------------|----------------------|----------------------|----------------------|
| Bank                             | 2012                 | 2013                 | 2014                 |                 2015 |
| STATE BANK OF INDIA              | 1555394069           | 1849668125           | 2037807924           |           1956828043 |
| STATE BANK OF BIKANER AND JAIPUR | 244630592            | 266716656            | 331636572            |            352012102 |
| STATE BANK OF HYDERABAD          | 156323839            | 176402025            | 174680407            |            198856441 |
| STATE BANK OF MYSORE             | 216307074            | 57599642             | 62744515             |             72606795 |
| STATE BANK OF PATIALA            | 335798866            | 410749373            | 383208996            |            347857357 |
| STATE BANK OF TRAVANCORE         | 245034745            | 116425238            | 318516908            |            305825465 |
| BANK OF BARODA                   | 1032403450           | 1178325571           | 1480689980           |           1626023609 |
| ALLAHABAD BANK                   | 251385507            | 514964354            | 360156605            |            744360777 |
| BANK OF INDIA                    | 481014264            | 911724900            | 1250478588           |           1342985179 |
| BANK OF MAHARASHTRA              | 190903601            | 110291174            | 163083927            |            198189522 |
| CANARA BANK                      |                      |                      | 423613912            |           1353738471 |
| DENA BANK                        | 286006665            | 337937022            | 391332556            |            405913433 |
| INDIAN BANK                      | 160458080            | 164141580            | 198960139            |            215872295 |
| INDIAN OVERSEAS BANK             | 455478916            | 529447252            | 605326709            |            562269040 |
| CENTRAL BANK OF INDIA            | 835981226            | 984243641            | 959008535            |            950506759 |
| UNION BANK OF INDIA              | 957088713            | 1069497151           | 1099677415           |           1273836285 |
| PUNJAB NATIONAL BANK             | 1481834093           | 1522531245           | 1591801364           |           1720406149 |
| UNITED BANK OF INDIA             | 275283482            | 284297395            | 294044221            |            290510402 |
| UCO BANK                         | 408030029            | 494863712            | 708332930            |            684448093 |
| BHARTIYA MAHILA BANK             |                      |                      |                      |              1603285 |
| SYNDICATE BANK                   | 390577789            | 480224295            | 572366794            |            739797224 |
| ANDHRA BANK                      | 193932051            | 253876515            | 266851249            |            313743070 |
| CORPORATION BANK                 | 638396168            | 720198462            | 788774549            |            805338473 |
| ORIENTAL BANK OF COMMERCE        | 294528844            | 89665                | 293686962            |            306044060 |
| PUNJAB AND SIND BANK             | 229058411            | 240155117            | 239330904            |            285588908 |
| VIJAYA BANK                      | 208531276            | 93014541             | 217624312            |            337967192 |
| I.D.B.I. LTD.                    | 991101051            | 979088901            | 1172089785           |           1170912799 |
| TOTAL                            | 12515482801          | 13746473552          | 16385826758          |          18564041228 |

Source: Reserve Bank of India.

## Notes:

1. The amount in the year 2012 corresponds to accounts with credit limit more than 2 lakhs.
2. The amount in the years 2013-2015 corresponds to all credit accounts irrespective of credit limit
3. Private corporate sector includes Private Financial Corporations and Private Non-Financial Corporations.

Annex-IV

| SR. NO.   | BANKS                                     |          |          |          |          | GROSS NPAs   | GROSS NPAs   | GROSS NPAs   | GROSS NPAs   |
|-----------|-------------------------------------------|----------|----------|----------|----------|--------------|--------------|--------------|--------------|
| SR. NO.   | BANKS                                     | Mar-13   | Mar-14   | Mar-15   | Mar-16   | Mar-13       | Mar-14       | Mar-15       | Mar-16       |
| 1         | Allahabad Bank                            | 4,962    | 7,961    | 8,274    | 12,780   | 490          | 967          | 827          | 2,465        |
| 2         | Andhra Bank                               | 3,714    | 5,858    | 6,877    | 10,647   | 343          | 324          | 1,019        | 729          |
| 3         | Bank of Baroda                            | 6,551    | 9,894    | 13,921   | 33,730   | 626          | 1,292        | 1,508        | 1,481        |
| 4         | Bank of India                             | 7,152    | 10,274   | 20,245   | 40,369   | 1,245        | 3,003        | 3,145        | 3,555        |
| 5         | Bank of Maharashtra Bharatiya Mahila Bank | 1,138    | 2,860    | 6,402    | 11,024   | 199          | 365          | 430          | 645          |
| 6         | Ltd.                                      |          | 0        | 0        | 1        |              | 0            | 0            | 0            |
| 7         | Canara Bank                               | 5,786    | 7,371    | 12,490   | 23,349   | 1,204        | 2,689        | 1,896        | 1,279        |
| 8         | Central Bank of India                     | 8,456    | 11,500   | 11,873   | 21,921   | 1,130        | 1,764        | 2,483        | 3,087        |
| 9         | Corporation Bank                          | 2,048    | 4,737    | 7,107    | 13,404   | 124          | 228          | 318          | 477          |
| 10        | Dena Bank                                 | 1,452    | 2,616    | 4,393    | 8,311    | 227          | 416          | 595          | 728          |
| 11        | IDBI Bank Limited                         | 6,450    | 9,949    | 12,654   | 25,718   | 251          | 766          | 1,159        | 875          |
| 12        | Indian Bank                               | 3,255    | 4,284    | 5,366    | 8,272    | 346          | 1,079        | 1,122        | 526          |
| 13        | Indian Overseas Bank Oriental Bank of     | 5,621    | 7,838    | 13,153   | 25,156   | 630          | 2,022        | 1,557        | 1,806        |
| 14        | Commerce                                  | 4,184    | 5,618    | 7,666    | 14,678   | 754          | 913          | 1,010        | 1,149        |
| 15        | Punjab & Sind Bank                        | 1,537    | 2,554    | 3,082    | 4,205    | 117          | 211          | 190          | 217          |
| 16        | Punjab National Bank                      | 13,255   | 18,611   | 25,318   | 50,043   | 1,942        | 2,020        | 2,259        | 6,009        |
| 17        | Syndicate Bank                            | 2,816    | 4,264    | 5,904    | 11,542   | 730          | 805          | 1,055        | 1,260        |
| 18        | UCO Bank                                  | 6,905    | 6,275    | 9,782    | 19,453   | 828          | 2,015        | 1,629        | 0            |
| 19        | Union Bank of India                       | 6,143    | 9,142    | 12,672   | 21,780   | 1,247        | 765          | 1,130        | 844          |
| 20        | United Bank of India                      | 2,964    | 7,118    | 6,553    | 8,528    | 375          | 1,084        | 1,237        | 1,095        |
| 21        | Vijaya Bank                               | 1,533    | 1,986    | 2,443    | 5,983    | 336          | 436          | 646          | 288          |
| 22        | State Bank of Bikaner & Jaipur            | 2,119    | 2,733    | 2,945    | 3,603    | 246          | 472          | 575          | 756          |
| 23        | State Bank of Hyderabad                   | 3,186    | 5,824    | 4,985    | 6,591    | 567          | 543          | 1,981        | 2,503        |
| 24        | State Bank of India                       | 48,378   | 57,819   | 54,107   | 82,910   | 4,766        | 7,738        | 9,235        | 4,392        |
| 25        | State Bank of Mysore                      | 2,081    | 2,819    | 2,136    | 2,851    | 241          | 555          | 1,014        | 490          |
| 26        | State Bank of Patiala                     | 2,453    | 3,758    | 4,360    | 6,767    | 385          | 568          | 1,411        | 1,405        |
| 27        | State Bank of Travancore                  | 1,750    | 3,077    | 2,357    | 3,200    | 484          | 657          | 1,804        | 1,474        |
| 27        | PUBLIC SECTOR BANKS                       | 1,55,890 | 2,16,739 | 2,67,065 | 4,76,816 | 19,832       | 33,698       | 41,236       | 39,534       |

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