NPA research report

Applied Elective Lab: Banking (New) Subject Code -576495(76)
1
APPLIED ELECTIVE (BANKING NEW) REPORT
ON
A STUDY ON MOVEMENT OF NPAs OF SCHEDULED COMMERCIAL
BANKS IN INDIA
Submitted in partial fulfilment for the award of the degree
Master of Business Administration
Chhattisgarh Swami Vivekanand Technical University, Bhilai
Submitted by,
Sunita-Burman
MBA – Semester 4
Approved by- Guided by-
Dr. Souren Sarkar Ms. Lijy Susan
HeadFMS Sr. Asst. Professor

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DECLARATION
I the undersigned solemnly declare that the report of the research work entitled report A
STUDY ON MOVEMENT OF NPAs OF SCHEDULED COMMERCIAL BANKS IN INDIA is based on
my own work carried out during the course of my study under the supervision of Ms. Lijy Susan,
Faculty of Management Studies.
I assert that the statements made and conclusions drawn are an outcome of my
research work. I further declare that to the best of my knowledge and belief the report does
not contain any part of any work which has been submitted for the award of MBA degree in this
University or any other University of India or abroad.
Sunita Burman
Enrollment No

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ACKNOWLEDGEMENTS
I would like to express my deepest appreciation to all those who provided me the possibility to
complete this report. A special gratitude I give to my mentor Ms. Lijy Susan, whose
contribution in stimulating suggestions and encouragement helped me to coordinate my
project especially in writing this report.
Furthermore I would also like to acknowledge with much appreciation the crucial role of the
faculties of Faculty of Management Studies who gave the permission to use all required
resources and the necessary materials to complete the research work on A STUDY ON
MOVEMENT OF NPAs OF SCHEDULED COMMERCIAL BANKS IN INDIA. Last but not least, many
thanks go to my friends, who have invested their full effort in guiding me in achieving the goal. I
have to appreciate the guidance given by other faculties as well as the panels especially in our
presentation that has improved our presentation skills thanks to their comment and advices.

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TABLE OF CONTENTS
Declaration by the Student ……………………………………………………………………………………
Acknowledgments ………………………………………………………………………………………………..
Chapter 1. Introduction to the study
Chapter 2. Literature Review
Chapter 3. Industry Profile
Chapter 4. Research Methodology
Objectives
Research Plan
Sampling Plan
Period of study
Chapter 5. Data Tabulation, Analysis and Results
Type of Analysis used
Results of the Analysis
Chapter 6. Findings of the study
Chapter 7. Recommendations
Conclusions
References …………………………………………………

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CHAPTER-1
INTRODUCTION-
This paper analyzes `the movement of Non-Performing assets of Scheduled commercial banks
in India’. Commercial Banks are faced with the risk of default by the borrower in the payment of
either principal or interest. This risk in banking parlance is termed as ‘Credit Risk’ and accounts
where payment of interest and /or repayment of principal is not forthcoming are treated as
Non-Performing Assets, as per the Reserve Bank of India, an asset, including a leased asset,
becomes non-Performing when it ceases to generate income for the bank. A bank with a high
level of NPAs would be forced to incur carrying costs on non-income yielding assets. Other
consequences would be reduction in interest income, high level of provisioning (as banks are
required to keep aside a portion of their operating profit as provisions, as NPAs increases banks
have to increase the amount kept aside as provisions which will reduce their net profits)stress
on profitability and capital adequacy, gradual decline in ability to meet steady increase in cost,
increased pressure on Net Interest Margin (NIM) thereby reducing competitiveness, steady
erosion of capital resources and increased difficulty in augmenting capital resources.
Several statistical tests have been applied in order to measure the movement of the NPAs of
Scheduled Commercial banks in India like descriptive analysis, correlation analysis, graphical
study etc. The period for the study has been taken from April, 2005 to march, 2014 using yearly
net NPA values of banks. From the data analysis the result of Correlation confirmed that there
is a significant correlation between SBI & its associates and nationalized banks. For F.Y 2007-08,
banks faced highest no. of NPAs due to collapse of the Lehman brothers. The % increase in at
that period was nearly 61.1%. It is highly recommended that Public sector banks should focus
on giving fewer loans and more on reviving the bad debts for some years.

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CHAPTER-2
LITERATURE REVIEW-
Priyanka Mohnani et al (2013),in her research on’ Non-performing assets on selected publc and
private sector banks’, suggested that the magnitude of NPA was comparatively higher in public
sector banks compared to private sector banks.
Dr. Sonia Narula et al (2014), in her research on ‘Empirical study on non-performing assets of
banks’, suggested that when PNB Gross & NET NPA compared with total advances we get the
result that there is mismanagement on the side of PNB. While analyzing the impact of NPA level
on PNB we derived the conclusion that there is a positive relation between Net Profits and NPA
of PNB. It simply means that as profits increase NPA also increase. It is because of the
mismanagement on the side of bank.
M.Rajeev et al (2010), examines the trends of NPAs in India from various dimensions and
explains how mere recognition of the problem and self-monitoring has been able to reduce it to
a great extent. It also shows that public sector banks in India, which function to some extent
with welfare motives, have as good a record in reducing NPAs as their counterparts in the
private sector.
Dr. D. ganesan et al (2013), in his research ` Non- performing assets: a study on State Bank of
India’.The magnitude of NPA is comparatively higher in public sectors banks. To improve the
efficiency and profitability of banks the NPA need to be reduced and controlled. In this paper,
an effort has been made to evaluate the non-performance assets of the SBI since 2002, NPAs.
Dr. Ravindra N. Sonatakke et al (2013) conducted research on `Trend analysis of NPA in
scheduled commercial bank in India’. The paper underlines the in depth study of the conceptual
framework of Non Performing Asset commonly known as NPA in banking. It further discusses
the NPA trend in the scheduled commercial banks in India for the preceding period of five years
i.e. (2008 – 2012). Finally it covers the measures to be undertaken to reduce the menace of
NPA in banks.

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CHAPTER-3
INDUSTRY PROFILE-
Introduction to NPA of banks-
The business of banking essentially involves intermediation-acceptance of deposits and
channeling these deposits in to lending activities. Since the deposits received from the
depositors have to be repaid to them by the bank, they are known as banks’ ‘Liabilities’ and as
the loan given to the borrowers are to be received back from them, they are termed as banks’
‘Assets’ so assets are banks’ loans and advances. In the traditional banking business of lending
financed by deposits from customers, Commercial Banks are faced with the risk of default by
the borrower in the payment of either principal or interest. This risk in banking parlance is
termed as ‘Credit Risk’ and accounts where payment of interest and /or repayment of principal
is not forthcoming are treated as Non-Performing Assets, as per the Reserve Bank of India, an
asset, including a leased asset, becomes non-Performing when it ceases to generate income for
the bank. Existence of Non-Performing Asset is an integral part of banking and every bank has
some Non-Performing Assets in its advance portfolio. However, the high level of NPA is a cause
of worry to any financial institution.
An account is declared as NPA based on the recovery of installments and interest on loans and
advances and other aspects as per RBI norms. The updated norms to declare the account as
NPA are as follows as per RBI guidelines:-
An asset, including a leased asset, becomes non-performing when it ceases to generate income
for the bank.
A non-performing asset (NPA) is a loan or an advance where;
(i) Interest and/ or instalment of principal remain overdue for a period of more than 90
days in respect of a term loan,
(ii) The account remains ‘out of order’ in respect of an Overdraft/Cash Credit (OD/CC), if
the outstanding balance remains continuously in excess of the sanctioned limit/drawing power.
In cases where the outstanding balance in the principal operating account is less than the
sanctioned limit / drawing power, but there are no credits continuously for 90 days as on the
date of Balance Sheet or credits are not enough to cover the interest debited during the same
period, these accounts should be treated as 'out of order'.
(iii) The bill remains overdue for a period of more than 90 days in the case of bills
purchased and discounted,
(iv) The instalment of principal or interest thereon remains overdue for two crop seasons for
short duration crops,

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(v) The instalment of principal or interest thereon remains overdue for one
Crop season for long duration crops,
(vi) The amount of liquidity facility remains outstanding for more than 90 days, in respect of a
securitization transaction undertaken in terms of guidelines on securitization dated February 1,
2006.
(vii) In respect of derivative transactions, the overdue receivables representing positive
mark-to-market value of a derivative contract, if these remain unpaid for a period of 90 days
from the specified due date for payment.
Three types of NPA:
Sub-Standard NPA
When the account holder does not pay 3 installments continuously after 90 days up to 1
year. In this case bank has made 10% provision of funds from their profit to meet the losses
generated from NPA.
Doubtful NPA
There are 3 sub categories. I.e. up to 1 year (20% provision made by bank), Up to 2 year
(30% provision made), Up to 3 year (100% provision made by the bank).
Loss assets
In this case 100% provision is made by bank. The account can be written off and all the
assets will handed over to recovery agents for sale.
FACTORS RESPONSIBLE FOR NPAs-
The following factors confronting the borrowers are responsible for incidence of
NPAs in the banks:-
(i) Diversion of funds for expansion/modernization/setting up new projects/helping promoting
sister concerns.
(ii) Time/cost overrun while implementing projects.

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(iii) External factors like raw-material shortage, raw-material/Input price escalation, power
shortage, industrial recession, excess capacity, natural calamities like floods, accident etc.
(iv) Business failure like product failing to capture market, inefficient management,
strike/strained labor relations, wrong technology, technical problem, product obsolescence,
etc.
(v) Failure, non-payment/over dues in other countries, recession in other countries,
externalization problems, adverse exchange rate, etc.
(vi) Government policies like excise, import duty changes, deregulation, and pollution control
orders, etc.
(vii) Willful default, siphoning of funds, fraud, misappropriation, and promoters/management
disputes etc.
Besides above, factors such as deficiencies on the part of the banks viz. deficiencies in credit
appraisal, monitoring and follow-up; delay in release of limits; delay in settlement of
payments/subsidies by Government bodies, etc. are also attributed for the incidence of NPAs.
IMPLICATIONS OF NPAs-
For an Economy:
Developing of sound and healthy financial institutions, especially banks, is an essential
condition for maintaining over all stability of the financial system of the country. The high level
of NPAs in banks and financial institutions has been a matter of grave concern to the public as
bank credit is the catalyst to the economic growth of the country and any bottleneck in the
smooth flow of credit, one cause for which is the mounting NPAs, is bound to create adverse
repercussions on the economy. When the loans taken are not repaid, much of the funds go out
of financial system and the cycle of lending- repaying-borrowing is broken. The banks have also
to repay their depositors and others from whom the money had been borrowed. If the
borrowers do not pay, the banks have to borrow additional funds to repay the depositors and
creditors. This leads to a situation where banks are reluctant to lend fresh funds to new
projects or the on-going projects thus choking the system. Once the credit to various sectors of
the economy slows down, the economy is badly hurt. There is slowdown in GDP growth and
industrial output and fall in the profit margins of the corporates which resultantly cause
depression in the market.

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For Banking:
The most important business implication of the NPAs is that it leads to credit risk management
assuming priority over other aspects of bank’s functioning. The bank’s whole machinery would
thus be pre-occupied with recovery procedures rather than concentrating on expanding
business. A bank with a high level of NPAs would be forced to incur carrying costs on non-
income yielding assets. Other consequences would be reduction in interest income, high level
of provisioning (as banks are required to keep aside a portion of their operating profit as
provisions, as NPAs increases banks have to increase the amount kept aside as provisions which
will reduce their net profits)stress on profitability and capital adequacy, gradual decline in
ability to meet steady increase in cost, increased pressure on Net Interest Margin (NIM) thereby
reducing competitiveness, steady erosion of capital resources and increased difficulty in
augmenting capital resources. NPAs generate a vicious cycle of effects on the sustainability and
growth of the banking system, and if not managed properly could lead to bank failure.
SARFAESI Act and Rules
SARFAESI Act (The Securitization and Reconstruction of Financial Assets and Enforcement of
Security Interest Act, 2002) was enacted to regulate securitization and reconstruction of
financial assets and enforcement of security interest created in respect of Financial Assets to
enable realization of such assets.
The SARFAESI Act provides for the manner for enforcement of security interests by a secured
creditor without the intervention of a court or tribunal. If any borrower fails to discharge his
liability in repayment of any secured debt within 60 days of notice from the date of notice by
the secured creditor, the secured creditor is conferred with powers under the SARFAESI Act to
a) take possession of the secured assets of the borrower, including transfer by way of lease,
assignment or sale, for realizing the secured assets
b) takeover of the management of the business of the borrower including the right to transfer
by way of lease, assignment or sale for realizing the secured assets,
c) appoint any person to manage the secured assets possession of which is taken by the
secured creditor, and

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d) require any person, who has acquired any of the secured assets from the borrower and from
whom money is due to the borrower, to pay the secured creditor so much of the money as if
sufficient to pay the secured debt.
The Central Government has prescribed Security Interest (Enforcement) Rules, 2002 pursuant
to the powers conferred on it under the SARFAESI Act. The foregoing enforcement measures
must be exercised by a secured creditor in accordance with the Enforcement Rules and are
further subject to guidelines issued by the RBI.
In exercise of powers conferred by SARFAESI Act, 2002, Reserve Bank of India has issued
guidelines to registration, measures of asset reconstruction, prudential norms, acquisition of
financial assets etc., namely 'The Securitisation Companies and Reconstruction Companies
(Reserve Bank) Guidelines and Directions, 2003'.
Scheduled commercial bank in India-
A scheduled bank, in India, refers to a bank which is listed in the 2ndSchedule of the
Reserve Bank of India Act, 1934. Banks not under this Schedule are called non-scheduled
banks. Scheduled banks are usually private, foreign and nationalized banks operating in India.
Scheduled Commercial Banks (Public Sector)
At present, there are 27 Public Sector Banks in India including SBI (plus its 5 associates) and 19
nationalized banks. Further, there are two banks which have been categorized by RBI as “Other
Public Sector Banks”. IDBI and Bhartiya Mahila Bank come under this category.
SBI & Associates State Bank of India with its around 17,000 branches and around 200 foreign
offices, is India’s largest banking and financial services company by assets. With over 2 lakh
employees, SBI is banker to millions of Indians. This bank got birth in the British Era. Its first
parents were three presidency banks viz. Bank of Calcutta (later Bank of Bengal), Bank of
Bombay and the Bank of Madras. In 1921, these three presidency banks were merged in one
entity called “Imperial Bank of India”. The Imperial Bank of India was nationalized in 1955 and
was renamed a State Bank of India. Thus, State bank of India is the oldest Bank of India. In 1959,
there were eight associates of SBI. The current five associate banks of SBI are:
State Bank of Bikaner & Jaipur
State Bank of Hyderabad
State Bank of Mysore
State Bank of Patiala

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State Bank of Travancore
Apart from the above, the SBI also has seven non-banking subsidiaries viz. SBI Capital Markets
Ltd, SBI Funds Management Pvt Ltd, SBI Factors & Commercial Services Pvt Ltd, SBI Cards &
Payments Services Pvt. Ltd. (SBICPSL), SBI DFHI Ltd, SBI Life Insurance Company Limited and SBI
General Insurance.
Nationalized Banks
There are 19 nationalized banks in India as follows:
 Allahabad Bank
 Andhra Bank
 Bank of Baroda
 Bank of India
 Bank of Maharashtra
 Canara Bank
 Central Bank of India
 Corporation Bank
 Dena Bank
 Indian Bank
 Indian Overseas Bank
 Oriental Bank of Commerce
 Punjab & Sind Bank
 Punjab National Bank
 Syndicate Bank
 UCO Bank
 Union Bank of India
 United Bank of India
 Vijaya Bank
Other Public Sector Banks
Further, there are two scheduled commercial banks in India, which have been classified as
“other Public Sector Banks”. These are
 IDBI
 Bhartiya Mahila Bank.

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Scheduled Commercial Banks (Private Banks)
In private sector banks, most of the capital is in private hands. There are two types of private
sector banks in India viz. Old Private Sector Banks and New Private Sector Banks.
Old Private Banks There is 13 old private sector banks as follows:
 Catholic Syrian Bank
 City Union Bank
 Dhanlaxmi Bank
 Federal Bank
 ING Vysya Bank
 Jammu and Kashmir Bank
 Karnataka Bank
 Karur Vysya Bank
 Lakshmi Vilas Bank
 Nainital Bank
 Ratnakar Bank
 South Indian Bank
 Tamilnad Mercantile Bank
Out of the above banks, the Nainital Bank is a subsidiary of the Bank of Baroda, which has
98.57% stake in it. Some other old generation private sector banks in India have merged with
other banks. For example, Lord Krishna Bank merged with Centurion Bank of Punjab in 2007;
Sangli Bank merged with ICICI Bank in 2006; Centurion Bank of Punjab merged with HDFC in
2008.
New Private Sector Banks
The new private sector banks were incorporated as per the revised guidelines issued by the RBI
regarding the entry of private sector banks in 1993. At present, there are seven new private
sector banks as follows:
 Axis Bank
 Development Credit Bank (DCB Bank Ltd)
 HDFC Bank

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 ICICI Bank
 IndusInd Bank
 Kotak Mahindra Bank
 Yes Bank
Apart from the above, there are two banks which are yet to commence operation. These
have obtained ‘in-principle’ licenses from RBI. They are IDFC Bandhan Bank of Bandhan
Financial Services.
Foreign Banks
As of December 2014, there are 43 foreign banks from 26 countries operating as branches in
India and 46 banks from 22 countries operating as representative offices in India. Most of the
foreign banks in India are niche players. RBI policy towards presence of foreign banks in India is
based upon two cardinal principles viz. reciprocity and single mode of presence.

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CHAPTER-4
RESEARCH OBJECTIVES-
 To analyze the movement of NPAs of scheduled commercial banks in India.
 To analyze the Gross NPA to Gross advances ratio % of scheduled commercial banks in
India.
 To determine the trends in NPA movement for a period of 10 years in SCBs in India.
 To evaluate the performance of different banks on the basis of NPAs.
RESEARCH METHODOLOGY-
Research design Descriptive
Period of study April 2005- March 2014
Data collection Secondary data
Sources of data RBI website, bank websites etc
Sampling design probability sampling
Sampling type Systematic sampling
Data analysis techniques Graphs, descriptive statistics etc.
Type of data Quantitative data
Descriptive research design- It is considered conclusive in nature due to its quantitative nature.
Unlike exploratory research, descriptive research is preplanned and structured in design so the
information collected can be statistically inferred on a population.
Period of study- For the evaluation of NPAs time period from April 2010 to April 2015 was selected.
The calculation was made on yearly Net NPA values.
Application of Statistical tool- For calculation correlation test and descriptive statistics was applied.
Sources of data- Data from RBI website is taken for NPA movement and GNPA/ Advances ratios.

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CHAPTER-5
DATA ANALYSIS AND INTERPRETATION-
This table specifies the net NPA amounts in millions for four different types of banks i.e. -State
bank & its associates, private sector banks, nationalized banks, & foreign banks for F.Y. 2005 to
F.Y. 2014.
STATE BANKOF INDIA & ITS
ASSOCIATES
PRIVATESECTOR
BANKS
NATIONALISED
BANKS
FOREIGN
BANKS
total
2014 418151 88611 888086 31724 1426572
2013 281007 59944 619362 26626 986939
2012 202366 44012 391546 14124 652048
2011 147906 44322 212640 13125 417993
2010 128303 65060 168131 29772 391266
2009 108691 74120 102863 29967 315641
2008 85089 56469 93275 12466 247299
2007 63593 40282 40282 9275 153432
2006 60721 31703 84934 8076 185434
2005 63629 42116 105407 6391 217543
Total 1559456 546639 2706526 181546 4994167

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From the above graph, we analyzed that nationalized banks has the highest amt of NPAs in
millions, in the year 2014, SBI and its associates has the highest no. of NPAs in the year 2014,
both private banks and foreign banks also has the highest no. of NPAs in the year2014.
Years Total NPAs in millions %increase
2014 1426572 44.5%
2013 986939 51.3%
2012 652048 55.99%
2011 417993 6.83%
2010 391266 23.9%
2009 315641 27.6%
2008 247299 61.1%
2007 153432 -17.2%
2006 185434 -14.76%
2005 217543
From the above table we analyzed that F.Y. 2007-08 faced the highest % increase in total NPAs
of all the banks taken altogether. It was the period of collapse of Lehman Brothers which
affected the Indian economy.
0
100000
200000
300000
400000
500000
600000
700000
800000
900000
1000000
2014 2013 2012 2011 2010 2009 2008 2007 2006 2005
Amt.inMillions
No of years
Movement of NPAs of scheduled commercial bank in India
STATE BANK OF INDIA & ITS ASSOCIATES PRIVATE SECTOR BANKS
NATIONALISED BANKS FOREIGN BANKS

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INTERPRETATION-
Mean - This is the average of all NPAs in millions over 10 years. Means can only be computed for data
that are interval or ratio. For example: age, GPA, BMI, quantitative data. The mean is calculated by
adding up all of the valid scores and dividing the total by the number of valid scores. It is highest for
nationalized banks.
Median- Thisfigure isthe value thatseparatesthe higherhalf of a sample fromthe lower half.The valid
data issortedin ascendingorder,andif there isan oddnumberof data points,the medianisthe middle
number;howeverif there isanevennumberof datapoints,the medianisthe average of the middle two
numbers. The median is used for ordinal, interval or ratio data.
Standard Deviation (Std. Deviation) - This figure represents the distribution or spread of data points
fromthe meanvalue.Standarddeviationisameasure of the tendencyof individual values to vary from
the mean value.
Minimum - This figure represents the lowest chosen valid value from all values of NPAs.
Maximum - This figure represents the highest chosen valid value from all NPAs.
The skewness measure is greater than 0 when the distribution is skewed.
SBI & Asso. Pvt sector Nationalised Foreign
Mean 155945.6 Mean 54663.9 Mean 270652.6 Mean 18154.6
Standard
Error
36628.52022 Standard
Error
5559.847922 Standard Error 88556.19 Standard
Error
3202.60407
Median 118497 Median 50395.5 Median 136769 Median 13624.5
Standard
Deviation
Deviation
Deviation
280039.3 Standard
Deviation
10127.5233
Sample
Variance
13416484932 Sample
Variance
309119089.2 Sample
Variance
7.84E+10 Sample
Variance
102566728
Kurtosis 2.00751018 Kurtosis -0.105456832 Kurtosis 1.586836 Kurtosis -1.9664041
Skewness 1.533855625 Skewness 0.72556887 Skewness 1.548363 Skewness 0.34684418
Range 357430 Range 56908 Range 847804 Range 25333
Minimum 60721 Minimum 31703 Minimum 40282 Minimum 6391
Maximum 418151 Maximum 88611 Maximum 888086 Maximum 31724
Sum 1559456 Sum 546639 Sum 2706526 Sum 181546
Count 10 Count 10 Count 10 Count 10

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The kurtosis measure is 0 for a normal distribution. Positive values of nationalized banks and SBI & its
associates imply a leptokurtic distribution, while negative values of private sector banks and foreign
banks imply a platykurtic distribution.
The graph shows a linear trend in the NPA values over 10 years, which is highest for the
year2014.
For private sector banks, the graph show s a deliberate increase in the amount of NPAs form
the year2006 to 2009,and a reduction in NPAs during the years 2009 to 2012 showing a linear
trend increasing from 2005-2014.
418151
281007
202366
147906
128303
108691
85089
63593 60721 63629
0
50000
100000
150000
200000
250000
300000
350000
400000
450000
2 0 1 4 2 0 1 3 2 0 1 2 2 0 1 1 2 0 1 0 2 0 0 9 2 0 0 8 2 0 0 7 2 0 0 6 2 0 0 5
S TATE BANK OF IN DIA & ITS AS SOCIATES
STATE BANK OF INDIA & ITS ASSOCIATES Linear (STATE BANK OF INDIA & ITS ASSOCIATES)
88611
59944
44012
44322
65060
74120
56469
40282
31703
42116
0
10000
20000
30000
40000
50000
60000
70000
80000
90000
100000
2 0 1 4 2 0 1 3 2 0 1 2 2 0 1 1 2 0 1 0 2 0 0 9 2 0 0 8 2 0 0 7 2 0 0 6 2 0 0 5
NPAsamountinmillions
Years
P RIVATE S ECTOR BAN KS

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For nationalized banks, the graph shows a gradual increase in NPA from the year 2011 to 2014,
showing a linear trend data.
For foreign banks, the amount of NPAs shows a head and shoulder movement of trends from
the period 2005-2014.
31724
26626
14124 13125
29772 29967
12466
9275 8076
6391
0
5000
10000
15000
20000
25000
30000
35000
2 0 1 4 2 0 1 3 2 0 1 2 2 0 1 1 2 0 1 0 2 0 0 9 2 0 0 8 2 0 0 7 2 0 0 6 2 0 0 5
NPAsamtinmillions
Years
FOREIGN BANKS
FOREIGN BANKS Linear (FOREIGN BANKS)
888086
619362
391546
212640
168131
102863 93275
40282
84934 105407
2 0 1 4 2 0 1 3 2 0 1 2 2 0 1 1 2 0 1 0 2 0 0 9 2 0 0 8 2 0 0 7 2 0 0 6 2 0 0 5
N
P
A
Years
NATIONALISED BANKS
NATIONALISED BANKS Linear (NATIONALISED BANKS)

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GROSS NPA TO GROSS ADVANCES RATIO %
The table shows the GNPA/ advances ratio % of the different banks in India from a period of 10
years i.e. April 2005- march 2014. The data was taken from RBI website.
STATE BANK OF INDIA & ITS
ASSOCIATES
PRIVATE SECTOR
BANKS
NATIONALISED
BANKS
FOREIGN
BANKS
2014 4.96 1.78 4.09 3.86
2013 4.42 1.79 3.24 2.96
2012 4.36 2.08 2.67 2.68
2011 3.12 2.45 1.97 2.54
2010 2.82 2.97 2.03 4.26
2009 2.56 2.91 1.75 4.3
2008 2.58 2.47 2.06 1.89
2007 2.59 2.2 2.69 1.89
2006 3.51 2.43 3.81 2.08
2005 5.32 3.86 5.36 3
4.96
4.42 4.36
3.12
2.82
2.56 2.58 2.59
3.51
5.32
1.78 1.79
2.08
2.45
2.97
2.91 2.47
2.2
2.43
3.86
4.09
3.24
2.67
1.97 2.03
1.75
2.06
2.69
3.81
5.36
3.86
2.96
2.68
2.54
4.26 4.3
1.89 1.89
2.08
3
2014 2013 2012 2011 2010 2009 2008 2007 2006 2005
GNPA ratios of SCBs IN INDIA
STATE BANK OF INDIA & ITS ASSOCIATES PRIVATE SECTOR BANKS NATIONALISED BANKS FOREIGN BANKS

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From the above graph, we can say that in the F.Y 2005,2006,2007,2008 foreign banks
performed well in comparison to other banks in GNPA ratios, in the F.Y. 2009, 2010, 2011
nationalized banks was successful in lowering the GNPA ratios with respect to other banks, and
in the F.Y. 2012, 2013, 2014 private banks are proving to be best in terms of lowered GNPA
ratios.
From the above graph, we found that during the years 2014,2013,2012 private sector banks
had the lowest Gross NPA/ Gross advances ratio% compared to other banks. During the year
2011,2010, 2009 nationalized banks has the lowest ratio% compared to other banks and has
performed quite well and during the years 2008,2007,2006 and 2005 we found that foreign
banks had considerable low ratio% of Gross NPA/Gross advances compared to other banks
during the same period.
0
1
2
3
4
5
6
2014 2013 2012 2011 2010 2009 2008 2007 2006 2005
Gross NPA/GROSS Advances ratio%
STATE BANK OF INDIA & ITS ASSOCIATES PRIVATE SECTOR BANKS
NATIONALISED BANKS FOREIGN BANKS

23
Correlation matrix-
STATE BANK OF
INDIA & ITS
ASSOCIATES
PRIVATE SECTOR
BANKS
NATIONALISED
BANKS
FOREIGN
BANKS
ASSOCIATES
1
PRIVATE SECTOR BANKS 0.00519284 1
NATIONALISED BANKS 0.83830964 0.235112884 1
FOREIGN BANKS 0.129079174 0.215722759 -0.074503262 1
From the above matrix, we found that the correlation of NPA ratio of different banks is as
banks Correlation coefficient Strength of correlation
SBI & Asso. And Pvt. Sector banks 0.005 Weak
SBI & Asso. And Nationalized banks 0.83 Very strong
SBI & Asso. And foreign banks 0.12 Modest
Pvt.sector and nationalized banks 0.23 Modest
Pvt. Sector and foreign banks 0.21 Modest
Nationalized and foreign banks -0.07 Negative
A positive correlation indicates the extent to which the NPAs of SBI & Associates and
Nationalized banks increase or decrease in parallel.
3.83
3.23
2.94
2.352.52.312.26
2.52
3.35
4.91
0
1
2
3
4
5
6
2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015
AMTINMILLIONS
years
GrossNPA/ Gross advances ratio of all scheduledcommercial banksin
India

24
From the above graph, we found that during the period of 2005-2014, year 2008 has the lowest
Gross NPA/ Gross advances ratio % for all scheduled commercial banks in India. And year 2005
has the highest ratio of Gross NPA/ Gross advances by different scheduled commercial banks in
India.
EVALUATION OF PERFORMANCE OF BANKS ON THE BASIS OF NPAs
Year SBI &
Associates
Private banks Nationalized
banks
Foreign banks Performance
of industry
2014 bad good Bad Below average Below
average
2013 Bad good Below average Above average Below
average
2012 Bad good Above average Above average Above
average
2011 Below average Above average Good Above average Above
average
2010 Above average Above average Good Bad Above
average
2009 Above average Above average Good Bad Above
average
2008 Above average Above average Good Good Above
average
2007 Above average Above average Above average Good Above
average
2006 below average Above average Below average Above average Below
average
2005 Very bad Below average Very bad average bad
Considered- GNPA/Advances ratio % of 1-2 as good performance, 2-3 as above average
performing , 3 as average performing, 3-4 as below average performing, 4-5 as bad performers,
more than 5 as very bad performing banks.

25
CHAPTER-6
FINDINGS-
 The nationalized bankshave the highestNPAsamountingtorupees 2,706,526 millioncompared
to other banks for a period of 10 years.
 For F.Y 2007-08, banksfacedhighestno.of NPAsdue to collapse of the Lehman brothers. The %
increase in at that period was nearly 61.1%.
 In the year 2013-14, SBI and its associates has the highest NPA ratio of 4.96 %, in the year2005,
bothprivate sectorbanksand nationalized hasthe highestNPA ratioof 3.86% and 5.36%. In the
year, 2010, foreign banks have the highest NPA ratio of 4.26%.
 We analyzed that during the period of 2005-2014, year 2008 has the lowest Gross NPA/
Gross advances ratio % for all scheduled commercial banks in India.
 By analyzing the correlation coefficients of different banks, we found that the
correlation of SBI and its associates and nationalized banks is very strong that is 83%.

26
CHAPTER-7
RECOMMENDATIONS-
 The Nationalized banks should work towards controlling the amount of NPAs,
which affects its performance with other banks.
 The various measures that can help to reduce NPAs are by knowing banks’
customers credit rating performance, their background, their income stability
and ranking them accordingly.
 Applying for CIBIL Membership which is available to the following institutions:
1. CreditInstitutions (banks,RRBs,Co-operative bank,NBFC,PublicFinancial
Institution,HousingFinance Institutionetc.companiesengagedinthe business
of creditcards andothersimilarcards andcompaniesdealingwithdistribution
of creditinany othermanneror anyother institutionwhichthe Reserve Bank
may specify,fromtime totime,forthispurpose)
2. Insurance Companies
3. Companiesprovidingcellularortelephoneservices
4. CreditRatingAgencies
5. AssetReconstructionCompanies
6. TelecomCompanies
 Lok Adalats: It is for the recovery of small loans. According to RBI guidelines issued in
2001, they cover NPA up to Rs. 0.5 million, both suits filed and non- suit filed are
covered
 Compromise settlement: It is a scheme which provides a simple mechanism for
recovery of NPA. It is applied to advances below Rs. 1 billion.
 Credit Information Bureau: A credit Information Bureau helps banks by maintaining a
data of an individual defaulter and provides this information to all banks so that they
may avoid lending to him/her.
 Debt recovery tribunals: The debt recovery tribunal act was passed by Indian
Parliament in 1993 with the objective of facilitating the banks and financial institutions
for speedy recovery of dues in cases where the loan amount is Rs. 1 million and above.

27
.
CONCLUSION-
For determining movement of NPAs of Scheduled commercial bank in India. I employed
NPA data of different banks from April 2005-2014. The correlation test, descriptive
statistics indicates that the Gross NPA to Gross Advances ratio of SBI and its associates
and nationalized banks is strong around 83%. The study also revealed that In the year
2013-14, SBI and its associates has the highest NPA ratio of 4.96 %, in the year2005,
both private sector banks and nationalized has the highest NPA ratio of 3.86% and
5.36%. In the year, 2010, foreign banks have the highest NPA ratio of 4.26%. It is highly
recommended that Public sector banks should focus on giving fewer loans and more on
reviving the bad debts for some years.

28
REFERENCES-
Citation from websites-
www. rbi.org.in
www.yahoofinance.com
Citation from journals-
Meenakshi Raeev,H.m.(2010). Bankingsectorreformsand NPA-A studyof Indaincommercial banks.
InstituteforSocial and EconomicChange .
PriyankaMohnani,M. D. (2013). A studyof non-performingassetsonselectedpublicandprivate sector
banks. Internationaljournalof science and reearch .
Singh,D.S. (2014). Empirical studyonnon performingassetsof Bank. InternationalJournalof Advance
Research in computerscience and managementstudies .

29
APPENDICES-
BANK WISE AND BANK GROUP-WISE GROSS NON-PERFORMING ASSETS,
GROSS ADVANCES AND GROSS NPA RATIO OF SCHEDULED COMMERCIAL BANKS
(Amount in ` Million)
As on March 31
Year Banks Gross
NPAs
Gross
Advances
Gross
NPAs to
Gross
Advances
Ratio (%)
State Bank of India & its
Associates
2014 State Bank of Bikaner & Jaipur 27328 653327 4.18
State Bank of Hyderabad 58242 988269 5.89
State Bank of India 616054 12451224 4.95
State Bank of Mysore 28189 508621 5.54
State Bank of Patiala 37584 778114 4.83
State Bank of Travancore 30769 707820 4.35
Associates
STATE BANK OF INDIA & ITS ASSOCIATES 798165 16087376 4.96
Nationalised Banks Allahabad Bank 80681 1409055 5.73
Andhra Bank 58576 1106490 5.29
Bank of Baroda 118759 4036994 2.94
Bank of India 118686 3762282 3.15
Bank of Maharashtra 28599 903687 3.16
Bharatiya Mahila Bank Ltd. - 885 -
Canara Bank 75702 3034310 2.49
Central Bank of India 115000 1833212 6.27
Corporation Bank 47368 1386425 3.42
Dena Bank 26160 786219 3.33

30
IDBI Bank Limited 99602 2033757 4.90
Indian Bank 45622 1243587 3.67
Indian Overseas Bank 90205 1810810 4.98
Oriental Bank of Commerce 56179 1407651 3.99
Punjab and Sind Bank 25535 578577 4.41
Punjab National Bank 188801 3596458 5.25
Syndicate Bank 46111 1762411 2.62
UCO Bank 66214 1531632 4.32
Union Bank of India 95637 2343316 4.08
United Bank of India 71180 679817 10.47
Vijaya Bank 19859 824248 2.41
Nationalised Banks NATIONALISED BANKS 1474474 36071821 4.09
Private Sector Banks Axis Bank 30014 2324988 1.29
Catholic Syrian Bank ltd 3336 88540 3.77
City Union Bank limited 2931 162236 1.81
DCB Bank Limited 1385 82122 1.69
Dhanlaxmi Bank 4858 81198 5.98
Federal Bank 10874 441573 2.46
HDFC Bank 27754 3049632 0.91
ICICI Bank 105058 3472115 3.03
IndusInd Bank 6208 555386 1.12
ING Vysya Bank 2630 360293 0.73
Jammu & Kashmir Bank ltd 7834 471375 1.66
Karnataka Bank ltd 8359 286239 2.92
Karur Vysya Bank 2792 342260 0.82
Kotak Mahindra Bank ltd 10594 535170 1.98
Lakshmi Vilas Bank 5465 130377 4.19
Nainital Bank 611 24693 2.47
South Indian Bank 4326 364031 1.19
Tamilnad Mercantile Bank ltd 4280 173657 2.46

31
The Ratnakar Bank Limited 778 98823 0.79
Yes Bank ltd. 1749 557818 0.31
Private Sector Banks PRIVATE SECTOR BANKS 241835 13602528 1.78
Foreign Banks AB Bank Limited 70 661 10.59
Abu Dhabi Commercial Bank 231 11363 2.03
American Express Banking Corp. 195 21315 0.92
Antwerp Diamond Bank NV 503 7320 6.87
Australia and New Zealand Banking
Group Limited
185 20658 0.90
Bank Internasional Indonesia - 515 -
Bank of America N.A. - 85151 -
Bank of Bahrain & Kuwait B.S.C. 803 7726 10.39
Bank of Ceylon 14 1627 0.89
Bank of Nova Scotia 1935 47509 4.07
Bank of Tokyo-Mitsubishi UFJ Ltd - 58330 -
Barclays Bank Plc 4639 84759 5.47
BNP Paribas 163 124476 0.13
Citibank N.A. 14842 573028 2.59
Commonwealth Bank of Australia - 3420 -
Credit Agricole 174 26166 0.66
Credit Suisse AG - 8581 -
CTBC Bank 78 3150 2.46
DBS Bank ltd. 21156 157264 13.45
Deutsche Bank AG 1673 291546 0.57
FirstRand Bank ltd 342 2331 14.65
Hongkong and Shanghai Banking
Corpn.Ltd.
6724 407805 1.65
HSBC Bank Oman S.A.O.G. - 14 -
Industrial and Commercial Bank of China - 4356 -
JP Morgan Chase Bank N.A. 234 44487 0.53
JSC VTB Bank - 1256 -

32
Krung Thai Bank Public Company Limited - 128 -
Mashreq bank PSC 0 1782 0.00
Mizuho Bank ltd 1503 71939 2.09
National Australia Bank - 3791 -
Rabo bank International - 8516 -
Royal Bank of Scotland N.V. 1136 112545 1.01
Sberbank 200 3310 6.04
Shinhan Bank - 13102 -
Societe Generale 4 26557 0.02
Sonali Bank 29 205 14.14
Standard Chartered Bank 57826 739100 7.82
State Bank of Mauritius ltd 1019 6131 16.61
Sumitomo Mitsui Banking Corporation - 8558 -
UBS AG - - -
United Overseas Bank ltd - 2134 -
Westpac Banking Corporation - 1750 -
Woori Bank - 1398 -
Foreign Banks FOREIGN BANKS 115678 2995755 3.86
2014 ALL SCHEDULED COMMERCIAL BANKS 2630152 68757479 3.83
Associates
Associates
Andhra Bank 37145 1001378 3.71
Bank of Baroda 79826 3328113 2.40

33
Bank of India 87653 2929679 2.99
Canara Bank 62602 2439358 2.57
Dena Bank 14524 664569 2.19
Indian Bank 35655 1071559 3.33
Syndicate Bank 29785 1494227 1.99
UCO Bank 71301 1315691 5.42
Vijaya Bank 15329 705135 2.17
Federal Bank 15540 451946 3.44
HDFC Bank 20481 2413061 0.85
ICICI Bank 96078 2984163 3.22
ING Vysya Bank 1214 318916 0.38

34
Yes Bank ltd. 943 470869 0.20
Group Limited
281 24048 1.17
Bank Internasional Indonesia - - -
Bank of America N.A. - 76230 -
BNP Paribas 163 77536 0.21
Citibank N.A. 13587 526288 2.58
CTBC Bank 522 3019 17.29
DBS Bank ltd. 5820 141111 4.12

35
FirstRand Bank ltd 237 2831 8.38
Corpn.Ltd.
6408 362305 1.77
National Australia Bank - 1636 -
Sberbank - 370 -
Sumitomo Mitsui Banking Corporation - - -
UBS AG - 9741 -
United Overseas Bank ltd - 358 -
Westpac Banking Corporation - - -
Woori Bank - - -
Associates

36
Associates
Andhra Bank 17980 846840 2.12
Bank of Baroda 38818 2054536 1.89
Bank of India 51697 1779502 2.91
Canara Bank 38901 2224944 1.75
Dena Bank 9565 571592 1.67
Indian Bank 16715 863104 1.94
Syndicate Bank 30507 1109533 2.75
UCO Bank 40197 1078399 3.73
Vijaya Bank 17185 586710 2.93

37
Federal Bank 13008 388113 3.35
HDFC Bank 18149 1909689 0.95
ICICI Bank 92926 1923338 4.83
ING Vysya Bank 1495 288335 0.52
Yes Bank ltd. 839 380550 0.22
Foreign Banks AB Bank Limited - 684 -
Group Limited
- 13187 -
Bank of America N.A. 7 61833 0.01
BNP Paribas 275 62075 0.44
Citibank N.A. 8464 475257 1.78

38
CTBC Bank 163 2918 5.59
DBS Bank ltd. 2147 129815 1.65
FirstRand Bank ltd - 2416 -
Corpn.Ltd.
7201 360121 2.00
Mashreq bank PSC - 523 -
National Australia Bank - - -
Sberbank - - -
UBS AG - 6312 -
United Overseas Bank ltd - - -
Associates

39
Associates
Andhra Bank 9956 721545 1.38
Bank of Baroda 27862 1718015 1.62
Bank of India 43566 1651472 2.64
Canara Bank 29818 2027240 1.47
Dena Bank 8422 451634 1.86
Indian Bank 7200 725873 0.99
Syndicate Bank 25891 975346 2.65
UCO Bank 30902 932462 3.31
Vijaya Bank 12592 492222 2.56

40
Federal Bank 11483 328956 3.49
HDFC Bank 16603 1567053 1.06
ICICI Bank 98160 1691818 5.80
ING Vysya Bank 1516 236619 0.64
SBI Commercial & International Bank ltd 20 2714 0.75
Yes Bank ltd. 805 344350 0.23

41
BNP Paribas 113 54620 0.21
Citibank N.A. 8387 409429 2.05
Credit Suisse AG - - -
CTBC Bank 29 2350 1.23
DBS Bank ltd. 835 76123 1.10
Corpn.Ltd.
9955 281474 3.54
UBS AG - 6851 -
United Overseas Bank ltd - - -
Associates

42
State Bank of Indore 4929 239494 2.06
Associates
Andhra Bank 4879 565054 0.86
Bank of Baroda 21961 1335888 1.64
Bank of India 44812 1351940 3.31
Canara Bank 25045 1632910 1.53
Dena Bank 6420 357214 1.80
Indian Bank 4586 599633 0.76
UCO Bank 16650 775683 2.15
Vijaya Bank 9945 419345 2.37
Bank of Rajasthan Ltd 2938 84898 3.46

43
Federal Bank 8210 276345 2.97
HDFC Bank 18072 1252834 1.44
ICICI Bank 92674 1421006 6.52
ING Vysya Bank 2242 185095 1.21
Yes Bank ltd. 602 222403 0.27

44
BNP Paribas 681 38057 1.79
Citibank N.A. 12754 371461 3.43
CTBC Bank 31 2038 1.54
DBS Bank ltd. 760 40512 1.88
Corpn.Ltd.
16833 246149 6.84
JSC VTB Bank - 97 -
UBS AG - 250 -
Associates

45
Associates
Andhra Bank 3681 444276 0.83
Bank of Baroda 18429 1448449 1.27
Bank of India 24709 1447316 1.71
Canara Bank 21680 1390369 1.56
Dena Bank 6208 291854 2.13
Indian Bank 4592 518306 0.89
UCO Bank 15395 696691 2.21
Vijaya Bank 6988 358746 1.95

46
Federal Bank 5895 229068 2.57
HDFC Bank 19839 1002394 1.98
ICICI Bank 96493 2236211 4.32
ING Vysya Bank 2094 167544 1.25
Yes Bank ltd. 849 124469 0.68
BNP Paribas 751 37531 2.00
Citibank N.A. 20869 409562 5.10

47
CTBC Bank - 1501 -
DBS Bank ltd. 344 27423 1.26
Corpn.Ltd.
15401 287377 5.36
JSC VTB Bank - 97 -
Societe Generale - 3658 -
State Bank of Mauritius ltd - 3027 -
UBS AG - - -
Associates
State Bank of Saurashtra 1790 123090 1.45
Associates

48
Andhra Bank 3720 345560 1.08
Bank of Baroda 19810 1076720 1.84
Bank of India 19310 1147930 1.68
Canara Bank 14160 1076550 1.32
Dena Bank 5730 233810 2.45
Indian Bank 4870 402280 1.21
UCO Bank 16520 556270 2.97
Vijaya Bank 5120 320190 1.60
Centurion Bank of Punjab 5400 164550 3.28
Federal Bank 4690 193270 2.43
HDFC Bank 9040 640320 1.41

49
ICICI Bank 75800 2298920 3.30
ING Vysya Bank 1160 146630 0.79
Yes Bank ltd. 110 94320 0.12
Antwerp Diamond Bank NV - 4760 -
BNP Paribas 340 38050 0.89
Citibank N.A. 10110 389150 2.60
CTBC Bank 10 1290 0.78
DBS Bank ltd. 50 23680 0.21

50
Corpn.Ltd.
6970 304670 2.29
Societe Generale - 3850 -
Associates
Associates
Andhra Bank 3970 282330 1.41
Bank of Baroda 20920 847140 2.47
Bank of India 21000 867910 2.42

51
Canara Bank 14930 989730 1.51
Dena Bank 7440 182580 4.07
Indian Bank 5460 295020 1.85
UCO Bank 15060 474710 3.17
Vijaya Bank 5640 246440 2.29
Federal Bank 4510 152770 2.95
HDFC Bank 6450 473870 1.36
ICICI Bank 41260 1981930 2.08
ING Vysya Bank 1260 119890 1.05

52
Lord Krishna Bank 830 10550 7.87
Sangli Bank 770 2640 29.17
Yes Bank ltd. - 62900 -
Bank Internasional Indonesia - 10 -
Barclays Bank Plc - 1730 -
BNP Paribas 390 23800 1.64
Citibank N.A. 6940 332190 2.09
CTBC Bank 30 1190 2.52
DBS Bank ltd. - 12300 -

53
Corpn.Ltd.
3950 234380 1.69
HSBC Bank Oman S.A.O.G. 1550 1570 98.73
Sonali Bank - - -
Associates
Associates
Andhra Bank 4369 224814 1.94
Bank of Baroda 23901 613604 3.90
Bank of India 24792 666622 3.72

54
Canara Bank 17926 796652 2.25
Dena Bank 9494 147478 6.44
Indian Bank 6690 229770 2.91
UCO Bank 12347 378169 3.27
Vijaya Bank 5402 170618 3.17
Bharat Overseas Bank 667 20798 3.21
Federal Bank 5631 121798 4.62
HDFC Bank 4965 354026 1.40
ICICI Bank 22226 1476253 1.51
ING Vysya Bank 1809 102320 1.77

55
United Western Bank 4910 42787 11.47
Bank Internasional Indonesia 3 74 3.37
BNP Paribas 410 18949 2.17
Citibank N.A. 5282 247500 2.13
CTBC Bank 35 1001 3.53

56
Corpn.Ltd.
3175 170323 1.86
JP Morgan Chase Bank N.A. - 757 -
Associates
Associates
Andhra Bank 4409 179058 2.46
Bank of Baroda 33218 455291 7.30
Bank of India 31559 576008 5.48

57
Canara Bank 23706 609848 3.89
Dena Bank 11475 118651 9.67
Indian Bank 7420 178708 4.15
UCO Bank 13994 282339 4.96
Vijaya Bank 4316 146828 2.94
Bank of Punjab 2400 25447 9.43
Bharat Overseas Bank 578 16799 3.44
Federal Bank 6778 93028 7.29
Ganesh Bank of Kurundwad 191 1057 18.07
HDFC Bank 4270 259367 1.65
ICICI Bank 27704 930446 2.98
ING Vysya Bank 1943 90816 2.14

58
United Western Bank 4502 41983 10.72
Bank Internasional Indonesia 352 529 66.54
Bank of Tokyo-Mitsubishi UFJ Ltd 1 5589 0.02
Citibank N.A. 5050 184354 2.74
CTBC Bank 177 728 24.31

59
Corpn.Ltd.
4093 129666 3.16
JP Morgan Chase Bank N.A. - 1500 -
UFJ Bank - 1023 -
MOVEMENT OF NON-PERFORMING ASSETS (NPAs)
OF SCHEDULED COMMERCIAL BANKS
(Amount in ` Million)
Year As on March 31
Bank Gross NPAs Net NPAs
As on
March
31(
previous
year )
Addition
during
the Year
Reduction
during
the Year
Write-
off
during
the
Year
As on
March
31(
current
year )
As on
March
31(
previous
year )
As on
March
31(
current
year )
(1) (2) (3) (4) (5) (6) (7)

60
2014 STATE BANK OF BIKANER &
JAIPUR
21195 21235 11108 3995 27328 13033 17709
STATE BANK OF HYDERABAD 31860 48218 21837 - 58242 14487 29849
STATE BANK OF INDIA 511894 412167 179182 128825 616054 219565 310961
STATE BANK OF MYSORE 20806 20975 13593 - 28189 12088 16303
STATE BANK OF PATIALA 24530 40640 27587 - 37584 11942 24045
STATE BANK OF TRAVANCORE 17499 49322 36052 - 30769 9886 19285
ASSOCIATES
627785 592558 289358 132820 798165 281000 418151
AXIS BANK 23934 25476 8745 9202 31464 7041 10246
CATHOLIC SYRIAN BANK LTD 2109 3904 2677 - 3336 993 1932
CITY UNION BANK LIMITED 1731 4562 3363 - 2931 964 1973
DCB BANK LIMITED 2150 971 1736 - 1385 491 740
DHANLAXMI BANK 3803 4881 3825 - 4858 2610 3019
FEDERAL BANK 15540 5226 5178 4714 10874 4319 3216
HDFC BANK 23346 46218 24854 14817 29893 4690 8200
ICICI BANK 96078 45314 14564 21770 105058 22306 32980
INDUSIND BANK 4578 6242 2804 1808 6208 1368 1841
ING VYSYA BANK 1214 3352 1419 517 2630 91 1020
JAMMU & KASHMIR BANK LTD 6438 4106 2710 - 7834 553 1020
KARNATAKA BANK LTD 6389 6539 4568 - 8359 3778 5380
KARUR VYSYA BANK 2859 1478 1545 - 2792 1087 1399
KOTAK MAHINDRA BANK LTD 7581 9342 4268 2061 10594 3114 5736
LAKSHMI VILAS BANK 4599 6687 5821 - 5465 2838 4434
NAINITAL BANK 673 135 197 - 611 - -
SOUTH INDIAN BANK 4339 6284 6297 - 4326 2495 2817
TAMILNAD MERCANTILE BANK 2145 6843 4707 - 4280 1068 2093

61
LTD
THE RATNAKAR BANK LIMITED 259 640 121 - 778 69 305
YES BANK LTD. 943 3987 2438 743 1749 70 261
PRIVATE SECTOR BANKS 210705 192187 101836 55632 245424 59944 88611
ALLAHABAD BANK 51370 60212 30902 - 80680 41268 57218
ANDHRA BANK 37145 28324 6892 - 58576 24092 33425
BANK OF BARODA 79826 68339 29406 - 118759 41920 60348
BANK OF INDIA 93095 91766 58074 - 126788 60326 76795
BANK OF MAHARASHTRA 11376 25893 8670 - 28599 3929 18073
BHARATIYA MAHILA BANK LTD. 0 - - - - - -
CANARA BANK 62602 84436 71336 - 75702 52781 59655
CENTRAL BANK OF INDIA 84560 75690 45250 - 115000 49880 66500
CORPORATION BANK 20482 35557 8672 - 47368 14109 31806
DENA BANK 14525 24199 12563 - 26160 9172 18189
IDBI BANK LIMITED 64500 57060 21958 - 99602 31004 49023
INDIAN BANK 35655 28323 18356 - 45622 23843 27637
INDIAN OVERSEAS BANK 66080 69024 44899 - 90205 40272 56581
ORIENTAL BANK OF
COMMERCE
41840 40271 25932 - 56179 29027 39044
PUNJAB AND SIND BANK 15369 16196 6030 - 25535 11104 19186
PUNJAB NATIONAL BANK 134658 108100 53957 - 188801 72365 99170
SYNDICATE BANK 29785 36951 20625 - 46111 11248 27206
UCO BANK 71301 39616 44703 - 66214 40693 35564
UNION BANK OF INDIA 63138 54789 13165 9126 95637 33534 53403
UNITED BANK OF INDIA 29638 80073 38531 - 71180 19700 46641
VIJAYA BANK 15329 21739 17210 - 19859 9097 12624

62
NATIONALISED BANKS 1022272 1046558 577129 9126 1482576 619362 888086
AB BANK LIMITED 57 70 57 - 70 44 53
ABU DHABI COMMERCIAL
BANK
0 249 - - 249 - 75
AMERICAN EXPRESS BANKING
CORP.
446 1720 1971 - 195 319 110
ANTWERP DIAMOND BANK NV 503 - - - 503 - -
AUSTRALIA AND NEW ZEALAND
BANKING GROUP LIMITED
281 - 95 - 185 - -
BANK INTERNASIONAL
INDONESIA
0 - - - - - -
BANK OF AMERICA N.A. 0 - - - - - -
BANK OF BAHRAIN & KUWAIT
B.S.C.
523 987 531 177 803 234 565
BANK OF CEYLON 15 - 1 - 14 - -
BANK OF NOVA SCOTIA 579 1393 38 - 1935 350 1164
BANK OF TOKYO-MITSUBISHI
UFJ LTD
87 8 - - 95 8 8
BARCLAYS BANK PLC 5543 1805 2709 - 4639 1473 887
BNP PARIBAS 163 - - - 163 - -
CITIBANK N.A. 13587 6519 5265 - 14842 7667 7013
COMMONWEALTH BANK OF
AUSTRALIA
0 - - - - - -
CREDIT AGRICOLE 6 168 - - 174 - 84
CREDIT SUISSE AG 0 - - - - - -
CTBC BANK 522 314 759 - 78 268 19
DBS BANK LTD. 5820 17677 369 1972 21156 3290 15440
DEUTSCHE BANK AG 1544 374 244 - 1673 287 254
FIRSTRAND BANK LTD 220 122 - - 342 - -
HONGKONG AND SHANGHAI
BANKING CORPN.LTD.
6408 3058 2743 - 6724 1190 1098

63
HSBC BANK OMAN S.A.O.G. 0 - - - - - -
INDUSTRIAL AND COMMERCIAL
BANK OF CHINA
0 - - - - - -
JP MORGAN CHASE BANK N.A. 244 - 10 - 234 - -
JSC VTB BANK 0 - - - - - -
KRUNG THAI BANK PUBLIC
COMPANY LIMITED
0 - - - - - -
MASHREQ BANK PSC 0 - - - - - -
MIZUHO BANK LTD 1253 288 38 - 1503 877 1080
NATIONAL AUSTRALIA BANK 0 - - - - - -
RABO BANK INTERNATIONAL 0 - - - - - -
ROYAL BANK OF SCOTLAND
N.V.
2796 160 1820 - 1136 365 -57
SBERBANK 200 - - - 200 170 170
SHINHAN BANK 0 - - - - - -
SOCIETE GENERALE 7 - 3 - 4 - -
SONALI BANK 15 15 1 - 29 2 8
STANDARD CHARTERED BANK 38801 30084 11058 - 57826 10098 3063
STATE BANK OF MAURITIUS
LTD
350 2764 370 1725 1019 154 688
SUMITOMO MITSUI BANKING
CORPORATION
0 - - - - - -
UBS AG 0 - - - - - -
UNITED OVERSEAS BANK LTD 0 - - - - - -
WESTPAC BANKING
CORPORATION
0 - - - - - -
WOORI BANK 0 - - - - - -
FOREIGN BANKS 79971 67775 28082 3874 115790 26796 31724
JAIPUR
16515 16279 6966 4633 21195 9454 13041

64
ASSOCIATES
482144 425368 219147 60580 627785 202366 281007
AXIS BANK 18063 20234 5843 8520 23934 4726 7041
DCB BANK LIMITED 2418 753 1021 - 2150 302 491
DHANLAXMI BANK 1043 5048 2288 - 3803 580 2610
FEDERAL BANK 13008 8070 5424 115 15540 1990 4319
HDFC BANK 19994 31378 16506 11520 23346 3523 4690
ICICI BANK 94753 35871 18088 16459 96078 18608 22306
INDUSIND BANK 3471 5278 2731 1440 4578 947 1368
ING VYSYA BANK 1495 1939 1531 689 1214 525 91
JAMMU & KASHMIR BANK LTD 5166 4550 3278 - 6438 493 553
KARUR VYSYA BANK 3210 2005 2357 - 2859 788 1087
NAINITAL BANK 310 574 212 - 673 - -
TAMILNAD MERCANTILE BANK
LTD
1775 1854 1484 - 2145 626 1068

65
YES BANK LTD. 839 2437 1259 1074 943 175 70
ALLAHABAD BANK 20590 58919 28139 - 51370 10917 41268
ANDHRA BANK 17980 27417 8252 - 37145 7559 24092
BANK OF BARODA 44648 68438 33260 - 79826 15436 41920
BANK OF INDIA 64709 75781 47394 - 93095 38425 60326
CANARA BANK 40318 58193 35909 - 62602 33863 52781
DENA BANK 9565 11198 6238 - 14525 5717 9172
INDIAN BANK 18508 28925 11778 - 35655 11968 23843
ORIENTAL BANK OF
COMMERCE
35805 32133 26098 - 41840 24590 29027
SYNDICATE BANK 31827 21420 23462 - 29785 11854 11248
UCO BANK 40862 51616 21177 - 71301 22639 40693
VIJAYA BANK 17185 16014 17869 - 15329 9980 9097
AB BANK LIMITED 0 57 - - 57 - 44
BANK
31 0 31 - 0 - -

66
CORP.
234 681 469 - 446 176 319
ANTWERP DIAMOND BANK NV 996 - 494 - 503 174 -
0 281 - - 281 - -
BANK INTERNASIONAL
INDONESIA
0 - - - - - -
BANK OF AMERICA N.A. 7 - 7 - - - -
B.S.C.
277 491 245 0 523 176 234
BANK OF NOVA SCOTIA 96 668 185 - 579 - 350
UFJ LTD
82 5 - - 87 8 8
BNP PARIBAS 275 - 26 86 163 41 -
CITIBANK N.A. 8464 10421 5298 - 13587 4238 7667
AUSTRALIA
0 - - - - - -
CREDIT AGRICOLE 9 - 3 - 6 - -
CTBC BANK 163 393 34 - 522 92 268
DBS BANK LTD. 2147 4236 148 415 5820 774 3290
DEUTSCHE BANK AG 1348 371 175 - 1544 114 287
FIRSTRAND BANK LTD 0 220 - - 220 - -
BANKING CORPN.LTD.
7201 2005 2797 - 6408 2203 1190
BANK OF CHINA
0 - - - - - -

67
JSC VTB BANK 0 - - - - - -
COMPANY LIMITED
0 - - - - - -
MIZUHO BANK LTD 63 1190 - - 1253 - 877
N.V.
3465 535 1204 - 2796 933 365
SBERBANK 0 - - - - - -
SONALI BANK 8 9 2 - 15 0 2
LTD
210 166 - 26 350 71 154
SUMITOMO MITSUI BANKING
CORPORATION
0 - - - - - -
UBS AG 0 - - - - - -
WESTPAC BANKING
CORPORATION
0 - - - - - -
WOORI BANK 0 - - - - - -
FOREIGN BANKS 62966 41519 24187 527 79771 14122 26626
JAIPUR
8354 15719 4808 2751 16515 3413 9454

68
ASSOCIATES
303928 341218 152807 10194 482144 147906 202366
AXIS BANK 15994 18419 9692 6659 18063 4104 4726
DCB BANK LIMITED 2636 682 899 - 2418 412 302
DHANLAXMI BANK 671 918 546 - 1043 275 580
FEDERAL BANK 11483 6953 4345 1084 13008 1907 1990
HDFC BANK 16943 15749 3285 9413 19994 2964 3523
ICICI BANK 100343 29861 23616 11835 94753 24074 18608
INDUSIND BANK 2659 2865 1342 710 3471 728 947
ING VYSYA BANK 1554 1728 1267 520 1495 918 525
JAMMU & KASHMIR BANK LTD 5188 3147 2026 1143 5166 532 493
KARUR VYSYA BANK 2282 1740 812 - 3210 139 788
NAINITAL BANK 214 282 187 - 310 - -
LTD
1411 1763 1399 - 1775 293 626
YES BANK LTD. 805 644 346 264 839 92 175

69
ALLAHABAD BANK 16479 22321 18210 - 20590 7364 10917
ANDHRA BANK 9956 12873 4849 - 17980 2737 7559
BANK OF BARODA 31525 34433 21311 - 44648 7909 15436
BANK OF INDIA 50739 57454 43484 - 64709 19478 38425
CANARA BANK 31374 45898 36955 - 40318 23299 33863
DENA BANK 8422 7222 6079 - 9565 5490 5717
INDIAN BANK 7403 18795 7690 - 18508 3970 11968
ORIENTAL BANK OF
COMMERCE
19205 38976 22376 - 35805 9382 24590
SYNDICATE BANK 25990 31563 25726 - 31827 10308 11854
UCO BANK 31504 24012 10748 3906 40862 18246 22639
VIJAYA BANK 12592 20570 15977 - 17185 7412 9980
AB BANK LIMITED 0 - - - - - -
BANK
127 4 90 10 31 52 -
CORP.
203 217 185 - 234 162 176

70
ANTWERP DIAMOND BANK NV 996 - - - 996 182 174
0 - - - - - -
BANK INTERNASIONAL
INDONESIA
0 - - - - - -
BANK OF AMERICA N.A. 7 - - - 7 - -
B.S.C.
105 228 55 0 277 34 176
BANK OF NOVA SCOTIA 96 - - - 96 - -
UFJ LTD
73 38 29 - 82 8 8
BNP PARIBAS 113 164 3 - 275 - 41
CITIBANK N.A. 8387 7084 7006 - 8464 4928 4238
AUSTRALIA
0 - - - - - -
CREDIT AGRICOLE 1989 - 1979 - 9 - -
CTBC BANK 29 164 30 - 163 25 92
DBS BANK LTD. 834 1394 59 23 2147 233 774
DEUTSCHE BANK AG 1785 196 632 - 1348 331 114
FIRSTRAND BANK LTD 0 - - - - - -
BANKING CORPN.LTD.
9955 4723 7477 - 7201 2487 2203
BANK OF CHINA
0 - - - - - -
JSC VTB BANK 0 - - - - - -

71
COMPANY LIMITED
0 - - - - - -
MIZUHO BANK LTD 63 - - - 63 - -
N.V.
6145 1457 4137 - 3465 1737 933
SBERBANK 0 - - - - - -
SOCIETE GENERALE 12 - - - 12 - -
SONALI BANK 7 - - - 7 2 2
LTD
180 99 67 3 210 130 71
UBS AG 0 - - - - - -
WOORI BANK 0 - - - - - -
FOREIGN BANKS 50687 44937 32622 36 62966 12847 14124
JAIPUR
6119 6167 2274 1658 8354 2702 3413
ASSOCIATES
230396 227122 111864 41726 303928 125622 147906
AXIS BANK 13180 14483 4987 6682 15994 4190 4104

72
DCB BANK LIMITED 3192 507 1063 - 2636 1076 412
DHANLAXMI BANK 775 411 515 - 671 419 275
FEDERAL BANK 8210 8758 5485 - 11483 1288 1907
HDFC BANK 18168 14510 4049 11685 16943 3921 2964
ICICI BANK 94807 28656 23120 - 100343 38411 24074
INDUSIND BANK 2555 1904 693 1107 2659 1018 728
ING VYSYA BANK 2345 2360 1590 1561 1554 2218 918
KARUR VYSYA BANK 2353 536 607 - 2282 310 139
NAINITAL BANK 234 153 173 - 214 - -
SBI COMMERCIAL &
INTERNATIONAL BANK LTD
33 - 1 12 20 4 4
LTD
1150 1001 739 - 1411 200 293
YES BANK LTD. 602 498 178 117 805 130 92
ALLAHABAD BANK 12218 17471 13210 - 16479 4702 7364
ANDHRA BANK 4879 7947 2869 - 9956 957 2737
BANK OF BARODA 24007 18970 11452 - 31525 6023 7909
BANK OF INDIA 48827 29084 29795 - 48116 22075 19450

73
CANARA BANK 25903 35084 29613 - 31374 17997 23299
DENA BANK 6420 7587 5584 - 8422 4275 5490
INDIAN BANK 5101 9539 7237 - 7403 1449 3970
ORIENTAL BANK OF
COMMERCE
14688 15560 11042 - 19205 7238 9382
SYNDICATE BANK 20068 15930 10008 - 25990 9632 10308
UCO BANK 16664 27299 6596 5864 31504 9663 18246
VIJAYA BANK 9945 13623 10975 - 12592 5818 7412
AB BANK LIMITED 27 - 27 - - 13 -
BANK
141 77 10 80 127 3 52
CORP.
174 263 234 - 203 139 162
ANTWERP DIAMOND BANK NV 996 0 - - 996 639 182
BANK INTERNASIONAL
INDONESIA
0 - - - - - -
B.S.C.
109 11 16 - 105 91 20

74
BANK OF NOVA SCOTIA 96 1 1 - 96 - -
UFJ LTD
73 - 0 - 73 8 8
BNP PARIBAS 681 - 240 329 113 - -
CITIBANK N.A. 12754 10796 15163 - 8387 7845 4928
AUSTRALIA
0 - - - - - -
CREDIT AGRICOLE 2772 - 782 2 1989 1381 -
CTBC BANK 31 35 37 - 29 28 25
DBS BANK LTD. 760 583 148 361 834 400 233
DEUTSCHE BANK AG 2608 947 1770 - 1785 1023 331
BANKING CORPN.LTD.
16833 2776 9653 - 9955 5431 2487
JP MORGAN CHASE BANK N.A. 953 - 681 - 272 291 291
JSC VTB BANK 0 - - - - - -
COMPANY LIMITED
0 - - - - - -
MIZUHO BANK LTD 63 - - - 63 - -
N.V.
6854 5482 6191 - 6145 2609 1737
SONALI BANK 8 - - - 7 3 2

75
LTD
188 - - 8 180 169 130
UBS AG 0 - - - - - -
FOREIGN BANKS 71336 35274 55143 779 50687 29772 13125
JAIPUR
4903 5167 3726 226 6119 2529 2702
STATE BANK OF INDORE 2887 4020 1978 - 4929 1927 2681
ASSOCIATES
184139 151168 79852 20131 235325 108691 128303
AXIS BANK 8978 18007 3497 10308 13180 3271 4190
BANK OF RAJASTHAN LTD 1609 1635 257 50 2938 570 1335
DCB BANK LIMITED 2900 1932 1640 - 3192 1270 1076
DHANLAXMI BANK 644 522 391 - 775 282 419
FEDERAL BANK 5895 7474 5160 - 8210 681 1288
HDFC BANK 19515 26109 4970 22487 18168 6276 3921
ICICI BANK 96493 64169 65856 - 94807 45539 38411
INDUSIND BANK 2550 2216 1516 695 2555 1791 1018
ING VYSYA BANK 2094 4100 1553 2296 2345 2004 2218

76
KARUR VYSYA BANK 2059 1209 915 - 2353 258 309
NAINITAL BANK 187 280 233 - 234 - -
SBI COMMERCIAL &
46 6 10 9 33 2 4
LTD
1204 829 883 - 1150 221 200
YES BANK LTD. 849 1134 554 826 602 412 130
ALLAHABAD BANK 10783 12382 10946 - 12218 4221 4702
ANDHRA BANK 3681 3999 2802 - 4879 792 957
BANK OF BARODA 18429 16712 11135 - 24007 4490 6023
BANK OF INDIA 24709 41617 17499 - 48827 6282 22075
CANARA BANK 21680 32663 28440 - 25903 15073 17997
DENA BANK 6208 6299 6087 - 6420 3134 4275
INDIAN BANK 4592 5862 5353 - 5101 938 1449
ORIENTAL BANK OF
COMMERCE
10581 11331 7225 - 14688 4424 7238

77
SYNDICATE BANK 15945 14915 10792 - 20068 6318 9632
UCO BANK 15395 11090 6113 3708 16664 8127 9663
VIJAYA BANK 6988 12076 9120 - 9945 2923 5818
AB BANK LIMITED 27 - - - 27 19 13
BANK
141 4 4 - 141 - 3
CORP.
379 430 634 - 174 303 139
ANTWERP DIAMOND BANK NV 264 732 - - 996 235 639
BANK INTERNASIONAL
INDONESIA
0 - - - - - -
B.S.C.
118 191 106 93 109 3 91
BANK OF CEYLON 48 4 29 - 22 - -
BANK OF NOVA SCOTIA 20 97 20 - 96 - -
UFJ LTD
82 - 8 - 73 8 8
BNP PARIBAS 683 - - 2 681 319 -
CITIBANK N.A. 18057 23942 - 29244 12754 10507 7845
CREDIT AGRICOLE 9 2763 - - 2772 - 1381
CTBC BANK 0 31 - - 31 - 28
DBS BANK LTD. 312 1123 536 138 760 149 400

78
DEUTSCHE BANK AG 2426 4291 4109 - 2608 772 1023
BANKING CORPN.LTD.
13161 23977 20306 - 16833 3910 5431
JP MORGAN CHASE BANK N.A. 615 593 255 - 953 89 291
JSC VTB BANK 0 - - - - - -
COMPANY LIMITED
0 - - - - - -
MIZUHO BANK LTD 64 - 0 - 63 - -
N.V.
8189 11513 12848 - 6854 3664 2609
SOCIETE GENERALE 0 12 - - 12 - -
SONALI BANK 12 4 8 - 8 3 3
LTD
0 188 - - 188 - 169
UBS AG 0 - - - - - -
FOREIGN BANKS 64371 99440 62998 29477 71336 29967 29772
JAIPUR
4373 3360 2371 459 4903 2091 2529
STATE BANK OF INDIA 128373 111402 82636 - 157140 74243 96774
STATE BANK OF INDORE 2558 2073 1744 - 2887 1565 1927
STATE BANK OF PATIALA 5209 3940 2809 601 5739 2170 2636

79
ASSOCIATES
152721 130004 97525 1060 184139 84210 108691
AXIS BANK 4946 10335 2861 3443 8978 2483 3271
BANK OF RAJASTHAN LTD 1262 644 179 117 1609 309 570
DCB BANK LIMITED 577 3047 724 - 2900 270 1270
DHANLAXMI BANK 632 375 362 - 644 186 282
FEDERAL BANK 4686 5750 1992 2548 5895 432 681
HDFC BANK 9070 34133 1448 21874 19881 2985 6276
ICICI BANK 75795 50637 29939 - 96493 34906 45539
INDUSIND BANK 3923 2190 2112 1451 2550 2910 1791
ING VYSYA BANK 1162 3318 1323 1063 2094 1032 2004
KARNATAKA BANK LTD 3796 1624 904 84 4432 1065 1161
KARUR VYSYA BANK 1943 821 705 - 2059 173 258
NAINITAL BANK 185 115 110 - 190 - -
SBI COMMERCIAL &
53 3 1 9 46 - 2
LTD
1222 654 672 - 1204 202 221
YES BANK LTD. 106 880 - 136 849 85 412

80
ALLAHABAD BANK 10105 8461 7783 - 10783 3998 4221
ANDHRA BANK 3724 2013 2056 - 3681 537 792
BANK OF BARODA 19814 10019 11404 - 18429 4936 4490
BANK OF INDIA 19309 20997 15598 - 24709 5920 6282
CANARA BANK 12726 23777 14824 - 21680 8990 15073
DENA BANK 5726 6757 6275 - 6208 2154 3134
INDIAN BANK 4869 2289 2566 - 4592 976 938
ORIENTAL BANK OF
COMMERCE
12801 4957 7177 - 10581 5384 4424
SYNDICATE BANK 17687 9607 11348 - 15945 6227 6318
UCO BANK 16520 6665 6757 1033 15395 10923 8127
UNION BANK OF INDIA 16566 11767 9099 - 19234 1276 3259
VIJAYA BANK 5115 6669 4796 - 6988 1816 2923
AB BANK LIMITED 27 - - - 27 24 19
BANK
195 7 45 16 141 - -
CORP.
127 843 518 - 452 78 303

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