NON-PERFORMING ASSETS

GROSS NPA RATIO

Particulars 2019 2018 2017
SBI 172,750.36 223,427.46 112,342.99
In (%) 7.53% 10.91% 6.90%
CANARA BANK 39,224.12 47,468.47 34,202.04
In (%) 8.83% 11.84% 9.63%
IDBI 50,027.94 55,588.26 44,752.59
In (%) 27.47% 27.95% 21.25%
BANK OF BARODA 73,139.70 69,968.95 69,713.95
In (%) 10.43% 10.25% 10.28%

INTERPRETATION: With the help of the graph we can say that SBI has lower gross NPA
than other peer competitors and thus it would be better for the company’s performance.
 NET NPA RATIO
Particulars 2019 2018 2017
SBI 65,894.74 110,854.70 58,277.38
In (%) 3.01% 5.73% 3.71%
CANARA BANK 22,955.11 28,542.40 21,648.98
In (%) 5.37% 7.48% 6.33%
IDBI 14,837.44 28,665.14 25,205.80
In (%) 10.11% 16.69% 13.21%
BANK OF BARODA 26,504.00 24,894.38 25,030.29
In (%) 4.05% 3.91% 3.95%

INTERPRETATION: With the help of the graph we can say that SBI and Bank of Baroda
has lower net NPA than other peer competitors and thus it would be better for the company’s
performance.
 CAPITAL ADEQUACY RATIO
Particulars 2019 2018 2017
SBI 12.72% 12.60% 13.11%
CANARA BANK 11.90% 13.22% 12.86%
IDBI 11.58% 10.41% 10.70%
BANK OF BARODA 13.42% 12.13% 13.17%

INTERPRETATION: With the help of the graph we can say that SBI and Bank of Baroda
has higher capital adequacy ratio than other peer competitors and thus it would be better for
the company’s performance.

PROVISION COVERAGE RATIO

Particulars 2019 2018 2017
SBI 61.85% 50.38% 48.12%
CANARA BANK 40.91% 39.52% 36.31%
IDBI 70.34% 51.58% 56.32%
BANK OF BARODA 67.63% 58.42% 57.67%
INTERPRETATION: With the help of the graph we can say that IDBI and Bank of Baroda
has higher provision coverage ratio than other peer competitors and thus it would be better
for the company’s performance.