The net non-performing assets (NPAs) of scheduled commercial banks (SCBs) went up by 7.96 per cent to Rs 32,468 crore in fiscal 2001 from Rs 30,073 crore in 2000. Gross NPAs of these banks rose by 5.75 per cent to Rs 63,883 crore at the end of March 2001 from Rs 60,408 crore a year ago.
Gross NPAs of public sector banks (PSBs) have gone up by only 3.28 per cent to Rs 54,773 crore in 2000-01 from Rs 53,033 crore in 1999-2000.
In comparison, gross NPAs of private sector banks have shot up by 26.84 per cent to Rs 6,039 crore from Rs 4,761 crore, while in case of foreign banks the increase is 17.48 per cent to Rs 3,071 crore from Rs 2,614 crore.
Gross NPAs as a percentage of gross advances of PSBs have declined from 13.98 per cent in 1999-2000 to 12.39 per cent. The net NPAs as a percentage of net advances have also declined from 7.42 per cent to 6.74 per cent.
Of the 27 PSBs, the net NPAs to net advances ratio has seen a substantial rise in the case of Dena Bank (from 13.81 per cent in 1999-2000 to 18.29 per cent 2000-01) and Punjab & Sind Bank (from 9.40 per cent to 12.27 per cent). This ratio has declined in the case of weak banks such as Indian Bank (from 16.18 per cent to 10.07 per cent), UCO Bank (from 8.75 per cent to 6.35 per cent), United Bank of India (from 12.85 per cent to 10.47 per cent) and Allahabad Bank (from 12.17 per cent to 11.21 per cent).
In the case of private sector banks, both the gross NPAs to gross advances ratio and the net NPAs to net advances ratio have gone up from 8.17 per cent (1999-2000) to 8.48 per cent (2000-01) and from 5.41 per cent to 5.44 per cent, respectively.
Of the 31 private sector banks (both old and new), the net NPAs to net advances ratio has gone up significantly in the case of SBI Commercial & International Bank (from 13.97 per cent to 22.56 per cent), Nedungadi Bank (from 15.79 per cent to 20.65 per cent), United Western Bank (from 4.82 per cent to 9.22 per cent), Global Trust Bank (from 0.87 per cent to 3.75 per cent), IDBI Bank (from 1.96 per cent to 5.24) and Karnataka Bank Ltd (from 5.73 per cent to 6.93 per cent).
In the case of foreign banks, the gross NPAs to gross advances ratio as well as the net NPAs to net advances ratio have come down from 6.99 per cent (in 1999-2000) to 6.76 per cent and from 2.41 per cent to 1.86 per cent, respectively.
Of the 42 foreign banks, there is a marked increase in the net NPAs to net advances ratio in the case of Bank of Bahrain & Kuwait BSC (from 7.72 per cent to 11.51 per cent), Bank of Ceylon (from 25.86 per cent to 34.15 per cent), Commerzbank (from 7.34 per cent to 13.64 per cent), Dresdner Bank AG (from 16.57 per cent to 24.05 per cent), Oman International Bank SAOG (from 33.79 per cent to 37.12 per cent), Overseas Chinese Banking Corporation (from 12.74 per cent to 18.45 per cent), The Siam Commercial Bank (from 5.17 per cent to 39.12 per cent) and the State Bank of Mauritius (from 8.06 per cent to 16.18 per cent).
Incremental net NPAs of PSBs have declined from Rs 1,975.9 crore (1999-00) to Rs 1,781.2 crore in 2000-01. However, in the case of private sector banks, the incremental NPAs have shot up from Rs 88 crore to Rs 1069.7 crore.
