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NPA’S AT INDIA’S TOP SIX PRIVATE

BANKS
INTRODUCTION

• In 2015 Reserve bank of India conducted the asset quality review on non
performing assets
• The quarter ended March 2018 as these banks adjusted to the RBI’s new stressed
asset framework on bad loans
• The banks included in the comparison are HDFC Bank, ICICI Bank, Axis Bank, Kotak
Mahindra Bank, Yes Bank and IndusInd Bank
• The total NPA’S of six banks were in march 2018 Rs 1,05,075 crore compared to
sep2015 Rs.28,035
• The entire banking system the total gross NPA stood at Rs 8.8 lakh crore
• ICICI bank and axis bank are the highest NPA’s as Rs 54,063 crore and Rs
34,249 crores
NPA RATIOS ?
NEW RULES BY RBI

• The new rules by the RBI in February withdrew all existing stressed asset
schemes
• The new framework asks lenders to finalise a resolution plan within 180 days
starting from the first day of default. If they fail to pay , the account must be
referred for insolvency proceedings

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