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Profit, losses, GNPAs of Public Sector Banks 

Asset Quality Review (AQR) carried-out in 2015 for clean and fully provisioned bank balance-sheets revealed high incidence of NPAs. Expected losses on stressed loans, not provided for earlier under flexibility given to restructured loans, were reclassified as NPAs and provided for. PSBs initiated cleaning-up by recognising NPAs and provided for expected losses. The gross NPA ratio for Public Sector Banks (PSBs) as a category is 14.6% in the financial year (FY) 2017-18, as per Reserve Bank of India (RBI) data. In the last 25 financial years, the gross NPA ratio for PSBs was highest in FY 1993-94 at 24.8% and was also higher in six other financial years.

Bank-wise details of gross NPAs as of March 2018, and operating profit, provision done and net profit/loss in FY 2017-18, are given below.

        Amounts in crore Rs.
S. No. Bank As on 31.3.2018 * FY 2017-18 **
Gross NPA ratio (%) Operating profit Provisioning done Net profit

(amounts with a minus sign are losses) ***

1 Allahabad Bank 16.0 3,438 8,113 -4,674
2 Andhra Bank 17.1 5,361 8,774 -3,413
3 Bank of Baroda 12.3 12,006 14,437 -2,432
4 Bank of India 16.6 7,139 13,183 -6,044
5 Bank of Maharashtra 19.5 2,191 3,337 -1,146
6 Canara Bank 11.8 9,548 13,770 -4,222
7 Central Bank of India 21.5 2,733 7,838 -5,105
8 Corporation Bank 17.4 3,950 8,004 -4,054
9 Dena Bank 22.0 1,171 3,094 -1,923
10 IDBI Bank Limited 28.0 7,905 16,142 -8,238
11 Indian Bank 7.4 5,001 3,742 1,259
12 Indian Overseas Bank 25.3 3,629 9,929 -6,299
13 Oriental Bank of Commerce 17.6 3,703 9,575 -5,872
14 Punjab & Sind Bank 11.2 1,145 1,889 -744
15 Punjab National Bank 18.4 10,294 22,577 -12,283
16 State Bank of India 10.9 59,511 66,058 -6,547
17 Syndicate Bank 11.5 3,864 7,087 -3,223
18 UCO Bank 24.6 1,334 5,771 -4,436
19 Union Bank of India 15.7 7,540 12,787 -5,247
20 United Bank of India 24.1 1,025 2,479 -1,454
21 Vijaya Bank 6.3 3,098 2,371 727

 

Sources: * RBI (global operations, provisional data for Mar-2018)

** Banks

***While banks have posted operating profits, their net losses are primarily on account of continuing ageing provision for NPAs recognised as a result of AQR initiated in 2015 and subsequent transparent recognition by banks.

This was stated by Shri Shiv Pratap Shukla, Minister of State for Finance in written reply to a question in Rajya Sabha

About question in Rajya Sabha

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