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Npa

Npa

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Published by Grishma Kothari

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Published by: Grishma Kothari on Aug 03, 2012
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05/10/2014

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Graph: 8.1

Source: Annexure – Table 11

Interpretation:

It is observed from the above graph there exist no particular relationship between net

profit & net NPA of public sector banks. There is constant increase in net profit from

2000-01 to 2003-04 & from 2005-06 to 2008-09. The average of percentage increase

in net profit YOY basis comes to 32.3%

On the contrary public sector banks have managed to reduce net NPA constantly from

2001-02 to 2005-06. Although the percentage of reduction over the previous year is

low compared to percentage of rise in profit over previous year. The average of

percentage decrease in net NPA YOY basis comes to 2.5%

2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09

Net NPA

27977

27958

24877

19335

16904

14566

15145

17726

21033

Net Profit4317

8301

12295

16546

15784

16539

20152

26592

34394

0

5000

10000

15000

20000

25000

30000

35000

40000

Amount in Rs. Crore

Comparison of Net Profit And Net NPA -
Public Sector Banks

N.R. INSTITUTE OF BUSINESS MANAGEMENT

88

Graph: 8.2

Source: Annexure – Table 12

Interpretation:

It is clearly observed from the line graph that there is continuous rise in net profit of

private sector banks over the years. The average of percentage increase in net profits

of private sector banks comes to approximately 34%.

On the contrary there is no continuous rise/fall in net NPA. But overall there is rise in

net NPA from 2000-01 to 2008-09. The average of percentage rise in net NPA comes

to almost 15%.

2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09

Net NPA

3700

6676

3963

4128

4212

3171

4028

5380

7418

Net Profit1142

1779

2958

3481

3533

4975

6465

9522

10868

0

2000

4000

6000

8000

10000

12000

Amount in Rs. Crore

Comparison of Net Profit And Net NPA -
Private Sector Banks

N.R. INSTITUTE OF BUSINESS MANAGEMENT

89

Graph: 8.3

Source: Annexure – Table 13

Interpretation:

The above line graph shows net profit of foreign banks is increasing throughout the

period from 2000-01 to 2008-09. The average of percentage increase in net profit

YOY basis comes to 32%. Whereas in case of net profit there is no continuous

upward or downward movement.

But overall there is rise in net NPA of foreign banks. The average of percentage

increase in net NPA YOY basis comes to approximately 25%. So this shows there is

positive relationship between net NPA & net profit of foreign banks.

2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09

Net NPA

785

920

903

933

639

808

927

1247

2973

Net Profit945

1492

1824

2243

3098

4109

5343

7544

8459

0

1000

2000

3000

4000

5000

6000

7000

8000

9000

Amount in Rs. Crore

Comparison of Net Profit And Net NPA -
Foreign Banks

N.R. INSTITUTE OF BUSINESS MANAGEMENT

90

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