As on 31st March

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

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.