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Bank NPA trend in 7 charts: Bad loans at state-run banks

may be peaking; select private peers see rise
Business (/category/business) Kishor Kadam (http://www.firstpost.com/author/kishork123) Nov 21, 2017 12:23:01 IST
Comment 1 Share 58

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Indian banks' gross non-performing assets (NPAs) or bad loans stood at Rs 8.40 lakh crore as on 30 September
2017. On quarter, the pile has grown only marginally - by 1.31 percent from Rs 8.29 lakh crore as on 30 June
2017. A report (https://in.reuters.com/article/india-banks/exclusive-no-respite-for-indian-banks-as-bad-loans-
hit-record-146-billion-idINKBN1CG0HE) in Reuters last month had put the gure at Rs 9.5 lakh crore, including
restructured loans, quoting RBI data obtained through an RTI query.

Taking note of the alarming bad loan situation, the government had
last month announced a Rs 2.11 lakh crore bank recapitalisation
plan to help state-run banks to come out of the mess. As much as
90 percent of these sticky assets are on the books of government-
owned banks.

A break-up of the NPAs shows that 21 PSBs, or public sector banks,

saw their bad loans remaining at at Rs 7.33 lakh crore compared
with June 2017 gures while that of 17 private banks surged by 10.5
(http://images. rstpost.com/wp-content/uploads/2017/11/rupee-
Representational image. Reuters.
bundles-reuters13.jpg) percent to Rs 1.06 lakh crore in September from Rs 96,201 crore.
Industry leader, State Bank of India which tops the NPA chart, has managed to restrict the rise in bad loans in the
September quarter as it marginally declined from Rs 1.88 lakh crore in June quarter to Rs 1.86 lakh crore in the
September quarter. Like SBI, most of the other PSBs' also managed to arrest the rise in bad loans during the
quarter. The trend may be an indication that the bad loans at these banks may be peaking. However, it has to be
seen whether the trend will sustain over the next few quarters.

However, gross NPAs of some private banks have risen signi cantly. Yes Bank's bad loans doubled from Rs 1,364
crore in June quarter to Rs 2,720 crore and Axis Bank's widened by 24 percent to Rs 27,402 crore from Rs 22,031
crore during the same period.

The following seven charts give us various aspects of India's bad loan crisis:

Gross NPAs in Rs cr

800000

700000

600000

500000

400000

300000

200000
Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17

Gross NPAs in Rs crore

  Combined gures for public and private banks; Data source: CapitalinePlus

 Share

Gross NPAs in Rs cr (https://infogram.com/362a2e74-2b87-48e6-8cea-e465370d174a) Infogram (https://infogram.com)

PSBs gross NPAs in Rs cr
800000

700000

600000

500000

400000

300000

200000

100000

0
Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17

Data source: CapitalinePlus

 Share

PSBs gross NPAs in Rs cr (https://infogram.com/18649fa7-d0ba-46d4-8c36-ceb916463521)

Infogram (https://infogram.com)

Private banks' gross NPAs in Rs cr

110000

100000

90000

80000

70000

60000

50000

40000

30000

20000
Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 Sep-17

Data source: CapitalinePlus

 Share

Private banks' gross NPAs in Rs cr (https://infogram.com/27cadce8-e84d-4f93-8d73-786a4eb9acc4) Infogram (https://infogram.com)

PSBs with higher gross NPAs (Rs cr)
SBI

PNB

IDBI Bank

Bank of India

Bank of Baroda

Canara Bank

Union Bank

Indian Overseas Bank

Central Bank

Oriental Bank

0 20000 40000 60000 80000 100000 120000 140000 160000 180000 200000

As on 30 September, 2017; Data Source: CapitalinePlus

 Share

PSBs with higher gross NPAs (Rs cr) (https://infogram.com/b8ce92cc-1b0d-43fa-a244-d3c20c90b5b5)

Infogram (https://infogram.com)

Private banks with higher gross NPAs (Rs cr)

45000

40000

35000

30000

25000

20000

15000

10000

5000

0
nk

nk

nk

nk

nk

nk

nk

nk

nk
dr
Ba

Ba

Ba

Ba

Ba

Ba

Ba

Ba

Ba
in
ah
I

is

ya

FC

an
ra
IC

Ye
DF
Ax

M
&

di
de
ID
IC

Vy
J
H

In
k

Fe
ta

ur

h
Ko

ut
r
Ka

So

As on 30 September 2017; Data source: CapitalinePlus

 Share

Private banks with higher gross NPAs (Rs cr) (https://infogram.com/79d88e06-2b0e-4ed0-b624-b52fe767b25f) Infogram (https://infogram.com)
PSBs with high gross NPAs as % to advances
26
24
22
20
18
16
14
12
10
8
6
4
2
0
nk

nk

nk

nk

nk

nk

nk

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an
ah
Ba

Ba

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ad
tra

ta
of
a

io
ite
UC
ID

se

De

ab
n

at
nk

ie
Un

Ce
er

h
or
Or
Ba

la
Ov

rp

Al
Co
an
di
In

As on 30 September 2017; Data source: CapitalinePlus

 Share

PSBs with high gross NPAs as % to advances (https://infogram.com/9bcc5243-86c6-47e8-80f5-0819c1a205fb)

Infogram (https://infogram.com)

Pvt banks with higher gross NPAs as % to

advances
11
10

9
8
7
6
5
4
3

2
1
0
nk

nk

nk

nk

nk

nk

nk

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an

an
Ba

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Ba

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Ba

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Ba
IB

iB
K

is

ya

ka

an

n
m
IC

ila

io
F
Ax
&

ta

di
ax

ID
IC

Un
Vy
iV
J

In
na
l
an

ty
ur

h
r
Ka
Dh

ut
h

Ci
r
ks

Ka

So
La

Create interactive charts and graphs like this one Try Infogram for free! ×
As on 30 September 2017; Data source: CapitalinePlus

 Share

Pvt banks with higher gross NPAs as % to advances (https://infogram.com/9e8e5521-3a6d-41e6-838a-3143e1145b4e)

Infogram (https://infogram.com)

Published Date: Nov 21, 2017 12:18 PM | Updated Date: Nov 21, 2017 12:23 PM

Also See
 5 reasons why desi dishes are the best!.
SBI wrote off bad loans worth Rs Lead by PSBs, NPAs soar 34.5% in Rot in PSBs Part 2: PNB, Nirav Modi,
20,339 crore in 2016-17, highest December quarter, pain to linger on: Vikram Kothari aren’t the rst; India’s #Partnered
among all public sector banks Care report PSBs have long been beaten by frauds

(http://www. rstpost.com/business/sbi- (http://www. rstpost.com/business/lead- (http://www. rstpost.com/india/rot-in-

wrote-off-bad-loans-worth-rs-20339- by-psbs-npas-soar-34-5-in-december- psbs-part-2-pnb-nirav-modi-vikram-
crore-in-2016-17-highest-among-all- quarter-pain-to-linger-on-care-report- kothari-arent-the- rst-indias-psbs-
public-sector-banks-4345987.html) 4349237.html) have-long-been-beaten-by-frauds-
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1 Comment Sort by Newest

Add a comment...

Gulzara Singh Azad · Self-employed at Self-employed

NPAs yaerwise ,Bankwise ,Sector wise ,Regionwise can thorw up some indictaotrs as to where goof up,inadvertantly or deliberaly ,took place.I sincerely wish
that our Lok Sabha as wellas Rajya Sbha discuss this matter very thoughly and let the Nation know as to which party Congress or BJP both are answerable
for this goof up.There is no ponit in throwning mud at each other and drown thw Truth in the Chaos.May the Almighy help the Nation get a Truthful
understanding now that Data is avaible with Deccan Chronicle ,Jai Hind.
Like · Reply · 17 February 2018 02:34

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