Page 38 - Banking Finance AUGUST 2015

ARTICLE

Non-performing assets of the banking industry and infrastructure sectors, namely textiles, chemi-
Sector in India cals, iron and steel, food processing, construction and tele-
communication age experiencing a rise in NPAs. Overall NPAs
During 2012-13, the deteriorating asset quality of the banking of the banking sector increased from 2.36 percent of total
sector emerged as a major concern, with gross NPAs of banks credit advanced in March 2011 to 3.90 percent of total
registering a sharp increase. The gross NPAs to gross credit advanced in March 2014 (provisional).
advances ratio shot up to 3.6 percent in 2012-13 from 3.1
percent during the corresponding period of the previous year. While there has been particularly sharp for the infrastruc-
ture sector, with NPAs as a percentage of credit advanced
The deterioration in asset quality was most perceptible for increasing from 3.23 percent in March 2011 to 8.22 per-
the State Bank of India (SBI) Group with its NPA ratio reach- cent in March 2014 ( Provisional).
ing a high of 4075 percent at end of March 2013. With their
gross non-performing assets (GNPA) ratio reaching about GNPAs of Public Sector Banks (PSBs) have shown a rising
3.6 percent by end March 2013, the nationalized banks trend, increasing by almost four times from March 2010 (Rs.
were positioned next to the SBI group. The sectoral distri- 59,972 crore) to March 2014 (Rs.2,04,249 crore)
bution shared a growing proportion of priority sector NPAs (provisional). As a percentage of credit advanced, NPAs were
in 2012-13. at 4.4 percent in March 2014 (provisional) compared to 2.09
percent in 2008-09.
Because of the slowdown and high levels of leverage, some

Gross NPAs of Scheduled Commercial Banks

(A) Status of Gross NPAs and Gross Advances of Publics Sector Banks

Banks Gross NPAs As on March 31, 2013 (Amount in ` Million)
Gross Advances
Public Sector Banks (1) Gross NPAs to Gross
State Bank of India (2) Advances Ratio (%)
State Bank of Bikaner and Jaipur 511894
State Bank of Hyderabad 21195 10785571 (3)
State Bank of Mysore 31860 584737
State Bank of Patiala 20806 920231 4.75
State Bank of Travancore 24530 459805 3.62
SBI and its Associates 17499 754598 3.46
Allahabad Bank 683885 4.52
Andhra Bank 627784 3.25
Bank of Baroda 51370 14188827 2.56
Bank of India 37145 1309363 4.42
Bank of Maharashtra 79826 1001378 3.92
Canara Bank 87653 3328113 3.71
Central Bank of India 11376 2929679 2.40
Corporation Bank 62602 763972 2.99
84562 2439358 1.49
20482 1762337 2.57
1193540 4.80
1.72

38 | 2015 | AUGUST | BANKING FINANCE