1/31/2018 Bank NPA trend in 7 charts: Bad loans at state-run banks may be peaking; select private peers see

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

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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 0 Share 56

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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
close
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
LIVE Bangladesh Vs Sri Lank
their bad loans remaining at at Rs 7.33 lakh crore compared with
BAN Vs SL June
| Jan 31, 2018
Live Coverage
(http://www.firstpost.com/firstcricket/sp
2017 gures while that of 17 private banks surged by 10.5bangladesh-vs-sri-lanka-1st-test-at-ch
percent to Rs
score-and-updates-4328035.html)

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1/31/2018 Bank NPA trend in 7 charts: Bad loans at state-run banks may be peaking; select private peers see rise - Firstpost
(http://images. rstpost.com/wp-content/uploads/2017/11/rupee-
Representational image. Reuters.
bundles-reuters13.jpg)
1.06 lakh crore in September from Rs 96,201 crore.

Budget jargon explain

Industry leader, State Bank of India which tops the NPA chart, has managed to restrict the rise in bad loans in the 2018
(http://www.firstpost.c
September quarter as it marginally declined from Rs 1.88 lakh crore in June quarter to Rs 1.86 lakh crore budget-indiabulls-
in the
4326805.htm
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.
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However, gross NPAs of some private banks have risen signi cantly. Yes Bank's bad loans doubled from Rs 1,364
ENGLISH
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:

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1/31/2018 Bank NPA trend in 7 charts: Bad loans at state-run banks may be peaking; select private peers see rise - Firstpost

Gross NPAs in Rs cr
this Net ix sho

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800000

700000

600000

500000

400000
Cricket Scores
300000 Current & Recent Upco

ICC Under-19 World Cup, 20

200000 SA Vs BAN
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 South Africa Under-19 beat
Under-19 by 8 wickets ()
Gross NPAs in Rs crore
Create interactive charts and graphs like this one Try Infogram for free! × ICC Under-19 World Cup, 20
PAK Vs IND
  Combined gures for public and private banks; Data source: CapitalinePlus
India Under-19 beat Pakistan
by 203 runs
 Share (http://www.firstpost.com/fir
news/highlights-icc-u-19-wo
2018-india-vs-pakistan-supe
semi-final-full-cricket-score-
Gross NPAs in Rs cr (https://infogram.com/362a2e74-2b87-48e6-8cea-e465370d174a) Infogram (https://infogram.com) 203-runs-4326163.html)

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
close

Data source: CapitalinePlus

 Share

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

Infogram (https://infogram.com)

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1/31/2018 Bank NPA trend in 7 charts: Bad loans at state-run banks may be peaking; select private peers see rise - Firstpost

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
Create interactive charts and graphs like this one Try Infogram for free! ×
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

Replay Oriental Bank

0 20000 40000 60000 80000 100000 120000 140000 160000 180000 200000
Create interactive charts and graphs like this one Try Infogram for free! ×
As on 30 September, 2017; Data Source: CapitalinePlus
close

 Share

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

Infogram (https://infogram.com)

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1/31/2018 Bank NPA trend in 7 charts: Bad loans at state-run banks may be peaking; select private peers see rise - Firstpost

Private banks with higher gross NPAs (Rs cr)

45000

40000

35000

30000

25000

20000

15000

10000

5000

0
k

nk

nk

ra

nk

nk

nk

nk
n

n
nd
Ba

Ba

Ba

Ba

Ba

Ba

Ba

Ba

Ba
i
ah
I

is

ya

FC

an
ra
IC

Ye
DF
Ax

M
&

ys

di
de
ID
IC

J
H

In
ak

rV

Fe

h
t

ru
Ko

ut
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

nk
n
ah
Ba

Ba

Ba

Ba

Ba

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M
BI

as

na

al

d
ra
of

io
ite

ba
UC

nt
ID

se

De
nt

t
nk

ha
ie
Un

ra
Ce
er

Or
Ba

la
Ov

rp

Al
Co
an
di
In

As on 30 September 2017; Data source: CapitalinePlus

close

 Share

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

Infogram (https://infogram.com)

http://www.firstpost.com/business/bank-npa-trend-in-7-charts-bad-loans-at-state-run-banks-may-be-peaking-select-private-peers-see-rise-4218813.html 5/7
1/31/2018 Bank NPA trend in 7 charts: Bad loans at state-run banks may be peaking; select private peers see rise - Firstpost

Pvt banks with higher gross NPAs as % to

advances
11

10

0
k

nk

nk

nk

nk

nk

nk
n

an

an

n
Ba

Ba

Ba

Ba

Ba

Ba

Ba

Ba
IB

iB
K

ya

FC

n
xm
IC

ila

ak

io
Ax
&

di
ID
IC

Un
Vy
iV

at
la
J

In
an

rn
hm

ty
r

th
ru

Ka
Dh

Ci
u
ks

Ka

So
La

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

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