Table 52 : Non-Performing Assets (NPA) and Capital Adequacy Ratio (CAR) of Scheduled Commercial Banks - 1996-98 - ಆರ್ಬಿಐ - Reserve Bank of India
Table 52 : Non-Performing Assets (NPA) and Capital Adequacy Ratio (CAR) of Scheduled Commercial Banks - 1996-98
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As on 31st March |
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Gross NPA as percentage |
Net NPA as percentage |
Capital Adequacy Ratio |
|||||||
Bank Group/Bank |
to gross Advances |
to net Advances |
|
||||||
1996 |
1997 |
1998* |
1996 |
1997 |
1998* |
1996 |
1997 |
1998* |
|
|
(1) |
(2) |
(3) |
(4) |
(5) |
(6) |
(7) |
(8) |
(9) |
State Bank of India and its Associates |
|||||||||
State Bank of India |
15.96 |
16.02 |
14.14 |
6.61 |
7.30 |
6.07 |
11.60 |
12.17 |
14.58 |
State Bank of Bikaner and Jaipur |
12.45 |
13.83 |
11.73 |
6.11 |
7.96 |
7.13 |
9.33 |
8.82 |
10.65 |
State Bank of Hyderabad |
17.89 |
19.19 |
18.96 |
9.94 |
11.42 |
10.88 |
9.90 |
10.84 |
10.83 |
State Bank of Indore |
14.20 |
15.81 |
15.05 |
9.62 |
11.29 |
10.96 |
8.80 |
9.31 |
9.83 |
State Bank of Mysore |
14.54 |
16.92 |
17.47 |
8.59 |
10.96 |
10.75 |
8.81 |
10.80 |
11.61 |
State Bank of Patiala |
11.49 |
11.32 |
11.88 |
6.60 |
5.88 |
7.04 |
9.51 |
11.25 |
13.24 |
State Bank of Saurashtra |
13.50 |
14.79 |
14.83 |
5.70 |
6.05 |
6.57 |
12.38 |
12.14 |
18.14 |
State Bank of Travancore |
11.74 |
14.49 |
20.06 |
7.38 |
8.82 |
12.21 |
9.40 |
8.17 |
11.48 |
Nationalised Banks |
|||||||||
Allahabad Bank |
23.98 |
23.93 |
23.18 |
16.00 |
14.84 |
15.09 |
9.68 |
11.00 |
11.64 |
Andhra Bank |
11.61 |
11.81 |
9.86 |
3.29 |
4.10 |
2.92 |
5.07 |
12.05 |
12.37 |
Bank of Baroda |
16.16 |
17.15 |
14.63 |
8.15 |
7.53 |
6.60 |
11.19 |
11.80 |
12.05 |
Bank of India |
14.49 |
11.78 |
11.55 |
7.00 |
6.93 |
7.34 |
8.44 |
10.26 |
9.11 |
Bank of Maharashtra |
21.87 |
20.67 |
17.39 |
9.39 |
9.66 |
8.59 |
8.49 |
9.07 |
10.90 |
Canara Bank |
17.93 |
20.26 |
18.69 |
7.45 |
9.32 |
7.52 |
10.38 |
10.17 |
9.54 |
Central Bank of India |
23.91 |
25.00 |
20.47 |
13.49 |
14.40 |
12.21 |
2.63 |
9.41 |
10.40 |
Corporation Bank |
9.67 |
9.92 |
7.60 |
2.26 |
3.63 |
2.93 |
11.30 |
11.30 |
16.90 |
Dena Bank |
14.70 |
15.10 |
13.73 |
7.30 |
9.38 |
8.28 |
8.27 |
10.81 |
11.88 |
Indian Bank |
34.15 |
39.12 |
38.96 |
23.87 |
25.24 |
26.01 |
Negative |
-18.81 |
1.41 |
Indian Overseas Bank |
22.59 |
15.80 |
13.38 |
8.57 |
7.64 |
6.26 |
5.95 |
10.07 |
9.34 |
Oriental Bank of Commerce |
5.68 |
7.36 |
6.16 |
3.60 |
5.64 |
4.50 |
16.99 |
17.53 |
15.28 |
Punjab National Bank |
18.74 |
16.31 |
14.50 |
12.70 |
10.38 |
9.57 |
8.23 |
9.15 |
8.81 |
Punjab & Sind Bank |
27.70 |
30.71 |
26.79 |
10.34 |
12.04 |
10.84 |
3.31 |
9.23 |
11.39 |
Syndicate Bank |
20.97 |
19.32 |
15.31 |
8.39 |
7.53 |
5.78 |
8.42 |
8.80 |
10.50 |
Union Bank of India |
10.38 |
10.38 |
11.18 |
5.94 |
6.98 |
7.66 |
9.50 |
10.53 |
10.86 |
United Bank of India |
38.00 |
36.20 |
33.50 |
23.28 |
19.20 |
14.10 |
3.50 |
8.23 |
8.41 |
United Commercial Bank |
24.54 |
28.35 |
24.04 |
11.43 |
13.73 |
11.14 |
7.83 |
3.16 |
9.07 |
Vijaya Bank |
20.36 |
18.73 |
15.21 |
11.90 |
9.56 |
7.60 |
Negative |
11.53 |
10.30 |
Other Scheduled Commercial Banks |
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Bank of Madura |
8.49 |
10.64 |
11.60 |
4.80 |
6.20 |
5.70 |
10.93 |
12.19 |
13.72 |
Bank of Rajasthan |
6.29 |
12.07 |
17.14 |
4.40 |
8.82 |
9.14 |
11.08 |
10.13 |
5.54 |
Bareilly Corporation Bank |
- |
17.60 |
16.41 |
7.90 |
6.56 |
5.19 |
2.84 |
2.95 |
3.56 |
Bharat Overseas Bank |
6.49 |
8.10 |
8.36 |
1.65 |
3.81 |
4.40 |
10.57 |
12.51 |
13.09 |
Catholic Syrian Bank |
8.91 |
10.56 |
16.86 |
5.13 |
5.87 |
11.27 |
2.25 |
2.51 |
3.04 |
City Union Bank |
6.94 |
8.50 |
11.03 |
4.49 |
5.30 |
7.54 |
9.26 |
9.47 |
11.60 |
Dhanalaxmi Bank |
4.67 |
6.75 |
15.68 |
1.82 |
4.51 |
11.01 |
8.93 |
9.75 |
11.39 |
Development Credit Bank |
9.95 |
7.92 |
6.98 |
5.24 |
5.93 |
5.02 |
27.35 |
23.47 |
19.79 |
Federal Bank |
6.13 |
7.00 |
7.34 |
3.94 |
7.16 |
5.28 |
8.35 |
9.22 |
9.43 |
Ganesh Bank of Kurundwad |
12.56 |
10.90 |
10.14 |
7.62 |
10.75 |
6.18 |
8.14 |
8.00 |
8.04 |
Jammu & Kashmir Bank |
12.07 |
12.14 |
9.45 |
5.09 |
6.03 |
4.57 |
13.40 |
15.58 |
20.48 |
Karnataka Bank |
4.61 |
4.47 |
4.98 |
2.37 |
3.12 |
3.06 |
12.74 |
12.27 |
13.23 |
Karur Vysya Bank |
1.67 |
3.06 |
4.04 |
0.86 |
1.20 |
1.87 |
10.92 |
12.76 |
14.47 |
Lakshmi Vilas Bank |
5.86 |
8.85 |
9.86 |
2.19 |
4.66 |
6.07 |
9.80 |
10.64 |
10.35 |
Lord Krishna Bank |
4.34 |
11.36 |
21.15 |
3.57 |
8.53 |
14.09 |
7.42 |
5.40 |
8.35 |
Nainital Bank |
21.03 |
17.42 |
15.47 |
13.20 |
9.48 |
5.99 |
9.19 |
9.86 |
9.46 |
Nedungadi Bank |
9.96 |
8.68 |
12.30 |
7.76 |
6.17 |
9.41 |
4.34 |
11.97 |
12.85 |
Ratnakar Bank |
11.94 |
11.98 |
12.56 |
7.37 |
6.87 |
6.84 |
11.11 |
9.85 |
10.41 |
Sangli Bank |
22.76 |
27.83 |
23.52 |
10.26 |
11.28 |
9.43 |
6.21 |
8.03 |
10.98 |
South Indian Bank |
8.43 |
9.28 |
10.26 |
4.94 |
5.87 |
6.16 |
8.27 |
8.27 |
9.40 |
SBI Commerce & International Bank |
27.08 |
26.06 |
20.39 |
9.25 |
6.48 |
7.89 |
11.56 |
30.59 |
27.69 |
Tamilnad Mercantile Bank |
7.23 |
7.76 |
10.42 |
3.33 |
3.45 |
5.37 |
12.88 |
15.65 |
19.11 |
The Benares State Bank |
26.55 |
20.15 |
20.97 |
17.62 |
11.30 |
16.85 |
3.41 |
2.99 |
4.12 |
United Western Bank |
11.98 |
11.22 |
7.76 |
9.36 |
8.63 |
5.73 |
10.65 |
10.20 |
9.87 |
Vysya Bank |
4.71 |
7.96 |
15.07 |
3.54 |
5.17 |
8.45 |
11.91 |
14.21 |
12.48 |
Bank of Punjab |
- |
4.98 |
1.69 |
- |
1.59 |
1.14 |
35.03 |
18.65 |
16.34 |
Centurion Bank |
- |
- |
0.24 |
- |
- |
0.19 |
60.00 |
27.00 |
20.00 |
Global Trust Bank |
0.01 |
5.91 |
4.36 |
- |
4.47 |
2.98 |
9.36 |
10.16 |
10.28 |
HDFC Bank |
- |
0.50 |
3.04 |
- |
- |
1.24 |
23.53 |
22.25 |
13.92 |
ICICI Bank |
- |
2.24 |
1.93 |
- |
1.73 |
1.14 |
17.52 |
13.04 |
13.48 |
IDBI Bank |
- |
1.28 |
0.36 |
- |
1.00 |
0.32 |
162.00 |
17.90 |
9.82 |
IndusInd Bank |
- |
2.74 |
5.33 |
- |
2.08 |
3.96 |
18.19 |
12.90 |
17.91 |
Times Bank |
- |
0.54 |
1.60 |
- |
0.46 |
1.41 |
29.40 |
15.39 |
11.26 |
UTI Bank |
2.68 |
4.33 |
7.15 |
- |
3.66 |
5.63 |
16.22 |
14.43 |
9.72 |
Foreign Banks |
|||||||||
ABN Amro Bank |
0.26 |
1.28 |
1.61 |
0.05 |
1.15 |
0.42 |
8.13 |
9.16 |
9.82 |
Abu-Dhabi Commercial Bank |
6.10 |
3.59 |
8.41 |
3.78 |
1.71 |
5.94 |
8.65 |
9.47 |
10.29 |
American Express Bank |
1.89 |
5.97 |
3.51 |
0.23 |
3.26 |
1.21 |
8.06 |
10.40 |
9.86 |
Bank of Bahrain & Kuwait |
4.24 |
10.95 |
23.61 |
3.18 |
9.75 |
15.22 |
18.93 |
17.10 |
10.48 |
Bank of Nova Scotia, Toronto |
2.58 |
12.82 |
10.68 |
1.00 |
7.46 |
2.80 |
9.19 |
8.23 |
10.30 |
Bank of America |
0.07 |
0.07 |
0.06 |
-0.11 |
-- |
0.17 |
7.12 |
8.37 |
8.95 |
Bank of Tokyo |
4.91 |
22.44 |
43.38 |
1.83 |
17.36 |
15.20 |
8.54 |
8.88 |
8.73 |
Banque Indosuez |
2.18 |
15.63 |
31.95 |
1.51 |
6.75 |
16.44 |
8.38 |
8.83 |
8.40 |
Banque Nationale de Paris |
1.14 |
1.52 |
2.72 |
-- |
-- |
-- |
8.71 |
8.88 |
8.80 |
Barclays Bank |
-- |
7.77 |
N.A. |
-- |
5.10 |
9.30 |
9.56 |
11.62 |
14.52 |
British Bank of Middle East |
4.51 |
9.55 |
18.47 |
2.40 |
6.50 |
11.79 |
10.31 |
12.07 |
10.01 |
Citibank |
0.45 |
1.54 |
1.22 |
-0.08 |
0.63 |
0.57 |
10.10 |
9.46 |
8.61 |
Credit Lyonnais |
1.16 |
2.16 |
10.15 |
-- |
0.43 |
3.10 |
7.47 |
8.86 |
8.70 |
Deutsche Bank (Asia) |
0.06 |
2.33 |
N.A. |
-- |
1.77 |
1.28 |
7.77 |
9.31 |
9.69 |
Grindlays Bank |
3.84 |
3.81 |
N.A. |
0.26 |
0.28 |
0.59 |
8.68 |
8.98 |
9.05 |
Hongkong & Shanghai Bank |
4.17 |
7.65 |
7.91 |
0.51 |
1.79 |
1.99 |
12.37 |
11.91 |
9.82 |
Mashreq Bank |
1.97 |
27.42 |
31.28 |
1.44 |
22.30 |
22.49 |
10.97 |
17.52 |
29.84 |
Oman International Bank |
19.14 |
18.71 |
45.20 |
7.91 |
5.33 |
25.40 |
8.71 |
12.36 |
13.38 |
Sakura Bank |
1.54 |
1.94 |
N.A. |
0.59 |
1.10 |
3.61 |
11.45 |
12.19 |
11.84 |
Sanwa Bank |
0.62 |
0.49 |
4.39 |
0.59 |
0.22 |
0.69 |
33.47 |
24.02 |
30.35 |
Societe Generale |
0.80 |
6.10 |
18.09 |
0.10 |
4.82 |
14.24 |
8.76 |
10.55 |
10.93 |
Sonali Bank |
5.97 |
1.83 |
N.A. |
-- |
-- |
0.03 |
8.49 |
13.54 |
27.80 |
State Bank of Mauritius |
11.36 |
36.01 |
2.46 |
10.35 |
33.00 |
1.79 |
100.09 |
66.42 |
73.50 |
Standard Chartered Bank |
4.70 |
5.59 |
7.13 |
3.30 |
2.88 |
2.42 |
15.62 |
8.60 |
8.50 |
Notes |
: |
1. |
*Provisional |
2. |
NA - Not available |
-- |
: |
Nil or negligible. |
Source |
: |
Report on Trend and Progress of Banking in India, 1997-98, Reserve Bank of India. |