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Loan Recoverability of Banks 

As per Reserve Bank of India (RBI) guidelines, banks are to have a loan recover policy, prepared and duly vetted by their boards. A number of mechanisms are available to banks to effect recovery, such as filing of a suit in Civil courts or in Debts Recovery Tribunals and action under the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act. In addition, the Insolvency and Bankruptcy Code, 2016 has been enacted for time-bound resolution of stressed assets. Further, the Banking Regulation Act, 1949 has been amended to provide for authorisation by the Government to RBI, for issuing directions to banks to initiate the insolvency resolution process under the Code, and in pursuance of such directions, banks have filed applications in case of severs/large credit exposures before the National Company Law Tribunal. Further, keeping in view the enactment of the Code, RBI has recently issued a Revised Framework for Resolution of Stressed Assets, which provides for time-bound resolution of high-value stressed accounts.

As per data reported by PSBs, 1,77,614 properties have been attached and auctioned by them and an amount of Rs. 15,196 crore has been recovered during the financial years 2014-15 to 2017-18 (till 31.12.2017).

As per RBI data on global operations, as on 31.12.2017, the details of Gross Loans and Advances of Scheduled Commercial Banks, are given below.

Gross Loans and Advances of Scheduled Commercial Banks, as on 31.12.2017

 

Amounts in crore Rupees
Bank Name Gross Loans and Advances
AB Bank Limited 5
Abu Dhabi CommercialBank PJSC 1,48
AllahabadBank 1,61,79
AmericanExpress Banking Corp. 4,46
Andhra Bank 1,51,49
Australiaand New Zealand Banking Group Limited 2,21
Axis Bank Limited 4,32,35
Bandhan Bank Limited 23,13
Bank of America, NationalAssociation 13,18
Bank of Bahrain and Kuwait B.S.C. 1,29
Bank of Baroda 4,28,71
Bank of Ceylon 31
Bank of India 3,79,53
Bank of Maharashtra 95,169
Bank of Nova Scotia 3,880
Barclays Bank PLC 10,500
BNP Paribas 20,037
Canara Bank 3,88,518
CapitalSmall Finance Bank Limited 1,583
CatholicSyrianBank Ltd. 9,772
CentralBank of India 1,79,702
CitibankN.A 57,597
CityUnionBank Limited 26,089
CooperatieveRabobankU.A. 2,277
CorporationBank 1,37,049
CreditAgricoleCorporateAnd Investment Bank 4,796
CreditSuisse AG 929
CTBC Bank CoLtd.. 520
DBS Bank Ltd. 18,605
DCB Bank Limited 18,799
Dena Bank 72,443
Deutsche Bank AG 38,472
Doha Bank QSC 631
Emirates NBD Bank (P.J.S.C.) 277
Equitas Small Finance Bank Limited 7,166
Federal Bank Ltd. 85,922
First Abu Dhabi Bank PJSC
FirstrandBank Ltd. 319
HDFC Bank Ltd. 6,36,640
Hongkongand Shanghai Banking Corpn.Ltd. 45,655
ICICI Bank Limited 5,27,145
IDBI Bank Limited 2,04,768
IDFC Bank Limited 49,398
Indian Bank 1,53,120
Indian Overseas Bank 1,51,536
IndusInd Bank Ltd. 1,29,449
Industrialand CommercialBank of China 839
IndustrialBank of Korea 83
Jammu & Kashmir Bank Ltd. 61,853
JP Morgan Chase Bank NationalAssociation 10,209
JSC VTB Bank 12
KarnatakaBank Ltd. 44,917
Karur VysyaBank Ltd. 44,836
KEB Hana Bank 244
Kotak MahindraBank Ltd. 1,61,086
Krung Thai Bank PublicCompanyLimited 5
LakshmiVilas Bank Ltd. 25,231
Mashreq Bank PSC 167
Mizuho Bank Ltd. 9,141
NainitalBank Ltd. 3,463
NationalAustraliaBank 204
OrientalBank of Commerce 1,62,512
Pt Bank MaybankIndonesia TBK 143
Punjab and Sind Bank 64,273
Punjab NationalBank 4,74,952
Qatar NationalBank SAQ
RBL Bank Limited 37,113
Sberbank 206
SBM Bank (Mauritius) Ltd. 1,266
Shinhan Bank 5,227
Societe Generale 2,582
Sonali Bank 35
South Indian Bank Ltd. 52,184
Standard CharteredBank 72,956
State Bank of India 19,24,592
SumitomoMitsui Banking Corporation 6,812
SyndicateBank 2,19,449
TamilnadMercantileBank Ltd. 22,227
The Bank of Tokyo-MitsubishiUFJ Ltd. 9,821
The DhanalakshmiBank Ltd. 6,409
The RoyalBank of Scotland PLC 115
UCO Bank 1,22,948
UnionBank of India 3,14,474
United Bank of India 68,250
United Overseas Bank Ltd. 807
VijayaBank 1,10,622
Westpac Banking Corporation 796
Woori Bank 960
Yes Bank Ltd. 1,72,894
Source: RBI (global operations)

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