(Amount in Rupees crore)

Year (end-

Advances

Non-performing assets (NPAs)

March)

Gross

Net

Gross

Net

Amount

As percentage

As percentage

Amount

As percentage

As percentage

of gross

of total

of net

of total

advances

assets

advances

assets

1

2

3

4

5

6

7

8

9

Scheduled commercial banks

1996-97

301698

276421

47300

15.7

7.0

22340

8.1

3.3

1997-98

352696

325522

50815

14.4

6.4

23761

7.3

3.0

1998-99

399436

367012

58722

14.7

6.2

28020

7.6

2.9

1999-00

475113

444292

60408

12.7

5.5

30073

6.8

2.7

2000-01

558766

526328

63741

11.4

4.9

32461

6.2

2.5

2001-02

680958

645859

70861

10.4

4.6

35554

5.5

2.3

2002-03

778043

740473

68717

8.8

4.0

32671

4.4

1.9

2003-04

902026

862643

64785

7.2

3.3

24615

2.9

1.2

2004-05^#

1152682

1115663

59516

5.2

2.5

22289

2.0

0.9

Public sector banks

1996-97

244214

220922

43577

17.8

7.8

20285

9.2

3.6

1997-98

284971

260459

45653

16.0

7.0

21232

8.2

3.3

1998-99

325328

297789

51710

15.9

6.7

24211

8.1

3.1

1999-00

379461

352714

53033

14.0

6.0

26187

7.4

2.9

2000-01

442134

415207

54672

12.4

5.3

27977

6.7

2.7

2001-02

509368

480681

56473

11.1

4.9

27958

5.8

2.4

2002-03

577813

549351

54090

9.4

4.2

24867

4.5

1.9

2003-04

661975

631383

51538

7.8

3.5

18860

3.0

1.3

2004-05^#

877825

848912

48541

5.5

2.7

17490

2.1

1.0

Old private sector banks

1996-97

21702

20832

2325

10.7

5.2

1385

6.6

3.1

1997-98

25580

24353

2794

10.9

5.1

1572

6.5

2.9

1998-99

28979

26017

3784

13.1

5.8

2332

9.0

3.6

1999-00

35404

33879

3815

10.8

5.2

2393

7.1

3.3

2000-01

39738

37973

4346

10.9

5.1

2771

7.3

3.3

2001-02

44057

42286

4851

11.0

5.2

3013

7.1

3.2

2002-03

51329

49436

4550

8.9

4.3

2740

5.5

2.6

2003-04

57908

55648

4393

7.6

3.6

2140

3.8

1.8

2004-05

70412

67742

4206

6.0

3.2

1859

2.7

1.4

New private sector banks

1996-97

8257

7814

217

2.6

1.3

154

2.0

1.0

1997-98

11173

11058

392

3.5

1.5

291

2.6

1.1

1998-99

14070

13714

871

6.2

2.3

611

4.5

1.6

1999-00

22816

22156

946

4.1

1.6

638

2.9

1.1

2000-01

31499

30086

1617

5.1

2.1

929

3.1

1.2

2001-02

76901

74187

6811

8.9

3.9

3663

4.9

2.1

2002-03

94718

89515

7232

7.6

3.8

4142

4.6

2.2

2003-04

119511

115106

5961

5.0

2.4

2717

2.4

1.1

2004-05

127420

123655

4576

3.6

1.6

2292

1.9

0.8

Foreign banks in India

1996-97

27525

26853

1181

4.3

2.1

516

1.9

0.9

1997-98

30972

29652

1976

6.4

3.0

666

2.2

1.0

1998-99

31059

29492

2357

7.6

3.1

866

2.9

1.1

1999-00

37432

35543

2614

7.0

3.2

855

2.4

1.0

2000-01

45395

43063

3106

6.8

3.0

785

1.8

0.8

2001-02

50631

48705

2726

5.4

2.4

920

1.9

0.8

2002-03

54184

52171

2845

5.3

2.4

921

1.8

0.8

2003-04

62632

60506

2894

4.6

2.1

898

1.5

0.7

2004-05

77026

75354

2192

2.8

1.4

648

0.9

0.4

^# : Data include the impact of conversion of a non-banking entity into a banking entity from October 11, 2004.