NPA research report

Applied Elective Lab: Banking (New)Subject Code -576495(76)

APPLIED ELECTIVE (BANKING NEW) REPORTONA STUDY ON MOVEMENT OF NPAs OF SCHEDULED COMMERCIAL BANKS IN INDIA

Submitted in partial fulfilment for the award of the degreeMaster of Business AdministrationChhattisgarh Swami Vivekanand Technical University, Bhilai

Submitted by,Sunita-BurmanMBA Semester 4

Approved by- Guided by-Dr. Souren Sarkar Ms. Lijy Susan Head FMS Sr. Asst. Professor

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

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.

TABLE OF CONTENTS

Declaration by the Student Acknowledgments .. 1. Introduction to the study1. Literature Review1. Industry Profile1. Research Methodology Objectives Research Plan Sampling Plan Period of study1. Data Tabulation, Analysis and ResultsType of Analysis used Results of the Analysis1. Findings of the study1. Recommendations ConclusionsReferences

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.

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.

CHAPTER-3INDUSTRY 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,(v) The instalment of principal or interest thereon remains overdue for oneCrop 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 NPAWhen 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 NPAThere 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 assetsIn 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.(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.

For Banking: The most important business implication of the NPAs is that it leads to credit risk management assuming priority over other aspects of banks functioning. The banks 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, andd) 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-Ascheduled bank, in India, refers to abankwhich is listed in the 2ndScheduleof the ReserveBankof India Act, 1934.Banksnot under this Scheduleare called non-scheduled banks.Scheduled banksare usually private, foreign and nationalizedbanksoperating 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 Indias 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 HyderabadState Bank of Mysore State Bank of Patiala 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.

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 ICICI Bank IndusInd Bank Kotak Mahindra Bank Yes BankApart 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 nicheplayers. RBI policy towards presence of foreign banks in India is based upon two cardinal principles viz. reciprocity and single mode of presence.

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 designDescriptive

Period of studyApril 2005- March 2014

Data collection Secondary data

Sources of dataRBI website, bank websites etc

Sampling design probability sampling

Sampling typeSystematic sampling

Data analysis techniquesGraphs, descriptive statistics etc.

Type of dataQuantitative 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.

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 BANK OF INDIA & ITS ASSOCIATESPRIVATE SECTOR BANKSNATIONALISED BANKSFOREIGN BANKStotal

201441815188611888086317241426572

20132810075994461936226626986939

20122023664401239154614124652048

20111479064432221264013125417993

20101283036506016813129772391266

20091086917412010286329967315641

200885089564699327512466247299

20076359340282402829275153432

20066072131703849348076185434

200563629421161054076391217543

Total 155945654663927065261815464994167

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.

YearsTotal NPAs in millions%increase

2014142657244.5%

201398693951.3%

201265204855.99%

20114179936.83%

201039126623.9%

200931564127.6%

200824729961.1%

2007153432-17.2%

2006185434-14.76%

2005217543

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.

SBI & Asso.Pvt sector NationalisedForeign

Mean155945.6Mean54663.9Mean270652.6Mean18154.6

Standard Error36628.52022Standard Error5559.847922Standard Error88556.19Standard Error3202.60407

Median118497Median50395.5Median136769Median13624.5

Standard Deviation115829.5512Standard Deviation17581.78288Standard Deviation280039.3Standard Deviation10127.5233

Sample Variance13416484932Sample Variance309119089.2Sample Variance7.84E+10Sample Variance102566728

Kurtosis2.00751018Kurtosis-0.105456832Kurtosis1.586836Kurtosis-1.9664041

Skewness1.533855625Skewness0.72556887Skewness1.548363Skewness0.34684418

Range357430Range56908Range847804Range25333

Minimum60721Minimum31703Minimum40282Minimum6391

Maximum418151Maximum88611Maximum888086Maximum31724

Sum1559456Sum546639Sum2706526Sum181546

Count10Count10Count10Count10

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 - This figure is the value that separates the higher half of a sample from the lower half. The valid data is sorted in ascending order, and if there is an odd number of data points, the median is the middle number; however if there is an even number of data points, the median is the 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 from the mean value. Standard deviation is a measure of the tendency of 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. 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.

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.

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 ASSOCIATESPRIVATE SECTOR BANKSNATIONALISED BANKSFOREIGN BANKS

20144.961.784.093.86

20134.421.793.242.96

20124.362.082.672.68

20113.122.451.972.54

20102.822.972.034.26

20092.562.911.754.3

20082.582.472.061.89

20072.592.22.691.89

20063.512.433.812.08

20055.323.865.363

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.

Correlation matrix-STATE BANK OF INDIA & ITS ASSOCIATESPRIVATE SECTOR BANKSNATIONALISED BANKSFOREIGN BANKS

STATE BANK OF INDIA & ITS ASSOCIATES1

PRIVATE SECTOR BANKS0.005192841

NATIONALISED BANKS0.838309640.2351128841

FOREIGN BANKS0.1290791740.215722759-0.0745032621

From the above matrix, we found that the correlation of NPA ratio of different banks is asbanksCorrelation coefficientStrength of correlation

SBI & Asso. And Pvt. Sector banks0.005Weak

SBI & Asso. And Nationalized banks0.83Very strong

SBI & Asso. And foreign banks0.12Modest

Pvt.sector and nationalized banks0.23Modest

Pvt. Sector and foreign banks0.21Modest

Nationalized and foreign banks-0.07Negative

A positivecorrelationindicates the extent to which the NPAs of SBI & Associates and Nationalized banks increase or decrease in parallel.

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

YearSBI & AssociatesPrivate banksNationalized banksForeign banksPerformance of industry

2014badgoodBadBelow averageBelow average

2013BadgoodBelow averageAbove averageBelow average

2012BadgoodAbove averageAbove averageAbove average

2011Below averageAbove averageGoodAbove averageAbove average

2010Above averageAbove averageGoodBadAbove average

2009Above averageAbove averageGoodBadAbove average

2008Above averageAbove averageGoodGoodAbove average

2007Above averageAbove averageAbove averageGoodAbove average

2006below averageAbove averageBelow averageAbove averageBelow average

2005Very badBelow averageVery badaveragebad

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.

CHAPTER-6

FINDINGS-

The nationalized banks have the highest NPAs amounting to rupees 2,706,526 million compared to other banks for a period of 10 years.

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%.

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%.

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%.

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. Credit Institutions(banks, RRBs, Co-operative bank , NBFC, Public Financial Institution, Housing Finance Institution etc. companies engaged in the business of credit cards and other similar cards and companies dealing with distribution of credit in any other manner orany other institution which the Reserve Bank may specify, from time to time, for this purpose)2. Insurance Companies3. Companies providing cellular or telephone services4. Credit Rating Agencies5. Asset Reconstruction Companies6. Telecom Companies

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.

.

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.

REFERENCES-

Citation from websites-

www. rbi.org.inwww.yahoofinance.com

Citation from journals-

Meenakshi Raeev, H. m. (2010). Banking sector reforms and NPA-A study of Indain commercial banks. Institute for Social and Economic Change .Priyanka Mohnani, M. D. (2013). A study of non-performing assets on selected public and private sector banks. International journal of science and reearch .Singh, D. S. (2014). Empirical study on non performing assets of Bank. International Journal of Advance Research in computer science and management studies .

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

YearBanksGross NPAsGross AdvancesGross NPAs to Gross Advances Ratio (%)

State Bank of India & its Associates2014State Bank of Bikaner & Jaipur273286533274.18

State Bank of Hyderabad582429882695.89

State Bank of India616054124512244.95

State Bank of Mysore281895086215.54

State Bank of Patiala375847781144.83

State Bank of Travancore307697078204.35

State Bank of India & its AssociatesSTATE BANK OF INDIA & ITS ASSOCIATES798165160873764.96

Nationalised BanksAllahabad Bank 8068114090555.73

Andhra Bank 5857611064905.29

Bank of Baroda11875940369942.94

Bank of India11868637622823.15

Bank of Maharashtra285999036873.16

Bharatiya Mahila Bank Ltd.-885-

Canara Bank 7570230343102.49

Central Bank of India11500018332126.27

Corporation Bank 4736813864253.42

Dena Bank 261607862193.33

IDBI Bank Limited9960220337574.90

Indian Bank 4562212435873.67

Indian Overseas Bank 9020518108104.98

Oriental Bank of Commerce5617914076513.99

Punjab and Sind Bank 255355785774.41

Punjab National Bank 18880135964585.25

Syndicate Bank 4611117624112.62

UCO Bank6621415316324.32

Union Bank of India9563723433164.08

United Bank of India7118067981710.47

Vijaya Bank 198598242482.41

Nationalised BanksNATIONALISED BANKS1474474360718214.09

Private Sector BanksAxis Bank3001423249881.29

Catholic Syrian Bank ltd3336885403.77

City Union Bank limited29311622361.81

DCB Bank Limited 1385821221.69

Dhanlaxmi Bank4858811985.98

Federal Bank108744415732.46

HDFC Bank 2775430496320.91

ICICI Bank10505834721153.03

IndusInd Bank 62085553861.12

ING Vysya Bank26303602930.73

Jammu & Kashmir Bank ltd78344713751.66

Karnataka Bank ltd83592862392.92

Karur Vysya Bank27923422600.82

Kotak Mahindra Bank ltd 105945351701.98

Lakshmi Vilas Bank54651303774.19

Nainital Bank 611246932.47

South Indian Bank43263640311.19

Tamilnad Mercantile Bank ltd42801736572.46

The Ratnakar Bank Limited778988230.79

Yes Bank ltd.17495578180.31

Private Sector BanksPRIVATE SECTOR BANKS241835136025281.78

Foreign BanksAB Bank Limited 7066110.59

Abu Dhabi Commercial Bank 231113632.03

American Express Banking Corp.195213150.92

Antwerp Diamond Bank NV50373206.87

Australia and New Zealand Banking Group Limited185206580.90

Bank Internasional Indonesia -515-

Bank of America N.A.-85151-

Bank of Bahrain & Kuwait B.S.C.803772610.39

Bank of Ceylon1416270.89

Bank of Nova Scotia1935475094.07

Bank of Tokyo-Mitsubishi UFJ Ltd-58330-

Barclays Bank Plc4639847595.47

BNP Paribas1631244760.13

Citibank N.A.148425730282.59

Commonwealth Bank of Australia-3420-

Credit Agricole174261660.66

Credit Suisse AG-8581-

CTBC Bank 7831502.46

DBS Bank ltd.2115615726413.45

Deutsche Bank AG16732915460.57

FirstRand Bank ltd342233114.65

Hongkong and Shanghai Banking Corpn.Ltd.67244078051.65

HSBC Bank Oman S.A.O.G.-14-

Industrial and Commercial Bank of China-4356-

JP Morgan Chase Bank N.A.234444870.53

JSC VTB Bank-1256-

Krung Thai Bank Public Company Limited-128-

Mashreq bank PSC017820.00

Mizuho Bank ltd 1503719392.09

National Australia Bank-3791-

Rabo bank International-8516-

Royal Bank of Scotland N.V.11361125451.01

Sberbank20033106.04

Shinhan Bank-13102-

Societe Generale 4265570.02

Sonali Bank 2920514.14

Standard Chartered Bank 578267391007.82

State Bank of Mauritius ltd1019613116.61

Sumitomo Mitsui Banking Corporation-8558-

UBS AG---

United Overseas Bank ltd-2134-

Westpac Banking Corporation -1750-

Woori Bank-1398-

Foreign BanksFOREIGN BANKS11567829957553.86

2014ALL SCHEDULED COMMERCIAL BANKS2630152687574793.83









Andhra Bank 3714510013783.71

Bank of Baroda7982633281132.40

Bank of India8765329296792.99


Canara Bank 6260224393582.57



Dena Bank 145246645692.19


Indian Bank 3565510715593.33






UCO Bank7130113156915.42



Vijaya Bank 153297051352.17








HDFC Bank 2048124130610.85

ICICI Bank9607829841633.22












Yes Bank ltd.9434708690.20






Australia and New Zealand Banking Group Limited281240481.17

Bank Internasional Indonesia ---

Bank of America N.A.-76230-







Citibank N.A.135875262882.58




CTBC Bank 522301917.29

DBS Bank ltd.58201411114.12


FirstRand Bank ltd23728318.38





JSC VTB Bank-885-




National Australia Bank-1636-



Sberbank-370-

Shinhan Bank-12061-





Sumitomo Mitsui Banking Corporation---

UBS AG-9741-

United Overseas Bank ltd-358-

Westpac Banking Corporation ---

Woori Bank---











Andhra Bank 179808468402.12


Bank of India5169717795022.91


Canara Bank 3890122249441.75



Dena Bank 95655715921.67


Indian Bank 167158631041.94






UCO Bank4019710783993.73



Vijaya Bank 171855867102.93








HDFC Bank 1814919096890.95

ICICI Bank9292619233384.83












Yes Bank ltd.8393805500.22


Foreign BanksAB Bank Limited -684-




Australia and New Zealand Banking Group Limited-13187-

Bank of America N.A.7618330.01







Citibank N.A.84644752571.78




CTBC Bank 16329185.59

DBS Bank ltd.21471298151.65


FirstRand Bank ltd-2416-





JSC VTB Bank-788-


Mashreq bank PSC-523-


National Australia Bank---



Sberbank---

Shinhan Bank-9146-





UBS AG-6312-

United Overseas Bank ltd---











Andhra Bank 99567215451.38


Bank of India4356616514722.64


Canara Bank 2981820272401.47



Dena Bank 84224516341.86


Indian Bank 72007258730.99






UCO Bank309029324623.31



Vijaya Bank 125924922222.56








HDFC Bank 1660315670531.06

ICICI Bank9816016918185.80









SBI Commercial & International Bank ltd2027140.75




Yes Bank ltd.8053443500.23













Citibank N.A.83874094292.05



Credit Suisse AG---


DBS Bank ltd.835761231.10






JSC VTB Bank-540-





Shinhan Bank-6192-


Sonali Bank 8948.38



UBS AG-6851-

United Overseas Bank ltd---






State Bank of Indore49292394942.06






Andhra Bank 48795650540.86


Bank of India4481213519403.31


Canara Bank 2504516329101.53



Dena Bank 64203572141.80


Indian Bank 45865996330.76






UCO Bank166507756832.15



Vijaya Bank 99454193452.37



Bank of Rajasthan Ltd2938848983.46






HDFC Bank 1807212528341.44

ICICI Bank9267414210066.52













Yes Bank ltd.6022224030.27














Citibank N.A.127543714613.43









JSC VTB Bank-97-





Shinhan Bank-4801-


Sonali Bank 8839.09



UBS AG-250-












Andhra Bank 36814442760.83


Bank of India2470914473161.71


Canara Bank 2168013903691.56



Dena Bank 62082918542.13


Indian Bank 45925183060.89






UCO Bank153956966912.21



Vijaya Bank 69883587461.95









HDFC Bank 1983910023941.98

ICICI Bank9649322362114.32












Yes Bank ltd.8491244690.68













Citibank N.A.208694095625.10


CTBC Bank -1501-






JSC VTB Bank-97-





Shinhan Bank-4576-

Societe Generale -3658-



State Bank of Mauritius ltd-3027-

UBS AG---









State Bank of Saurashtra17901230901.45




Andhra Bank 37203455601.08


Bank of India1931011479301.68


Canara Bank 1416010765501.32



Dena Bank 57302338102.45


Indian Bank 48704022801.21






UCO Bank165205562702.97



Vijaya Bank 51203201901.60





Centurion Bank of Punjab 54001645503.28





HDFC Bank 90406403201.41

ICICI Bank7580022989203.30













Yes Bank ltd.110943200.12




Antwerp Diamond Bank NV-4760-









Citibank N.A.101103891502.60












Shinhan Bank-3140-

Societe Generale -3850-
















Andhra Bank 39702823301.41


Bank of India210008679102.42


Canara Bank 149309897301.51



Dena Bank 74401825804.07


Indian Bank 54602950201.85






UCO Bank150604747103.17



Vijaya Bank 56402464402.29










HDFC Bank 64504738701.36

ICICI Bank4126019819302.08








Lord Krishna Bank 830105507.87


Sangli Bank770264029.17





Yes Bank ltd.-62900-






Bank Internasional Indonesia -10-






Barclays Bank Plc-1730-


Citibank N.A.69403321902.09



DBS Bank ltd.-12300-



HSBC Bank Oman S.A.O.G.1550157098.73






Shinhan Bank-1360-


Sonali Bank ---















Andhra Bank 43692248141.94


Bank of India247926666223.72


Canara Bank 179267966522.25



Dena Bank 94941474786.44


Indian Bank 66902297702.91






UCO Bank123473781693.27



Vijaya Bank 54021706183.17




Bharat Overseas Bank 667207983.21







HDFC Bank 49653540261.40

ICICI Bank2222614762531.51














United Western Bank49104278711.47

Yes Bank ltd.-24071-






Bank Internasional Indonesia 3743.37








Citibank N.A.52822475002.13



DBS Bank ltd.-8917-




JP Morgan Chase Bank N.A.-757-





Shinhan Bank-911-

















Andhra Bank 44091790582.46


Bank of India315595760085.48


Canara Bank 237066098483.89



Dena Bank 114751186519.67


Indian Bank 74201787084.15





UCO Bank139942823394.96



Vijaya Bank 43161468282.94



Bank of Punjab2400254479.43


Bharat Overseas Bank 578167993.44







Ganesh Bank of Kurundwad191105718.07

HDFC Bank 42702593671.65

ICICI Bank277049304462.98














United Western Bank45024198310.72

Yes Bank ltd.-7610-






Bank Internasional Indonesia 35252966.54





Bank of Tokyo-Mitsubishi UFJ Ltd155890.02


Citibank N.A.50501843542.74


CTBC Bank 17772824.31

DBS Bank ltd.-5600-




JP Morgan Chase Bank N.A.-1500-





Shinhan Bank-691-


Sonali Bank 5647.81



UFJ Bank -1023-



MOVEMENT OF NON-PERFORMING ASSETS (NPAs) OF SCHEDULED COMMERCIAL BANKS

(Amount in ` Million)

YearAs on March 31

Bank

Gross NPAsNet NPAs

As on March 31( previous year )Addition during the YearReduction during the YearWrite-off during the YearAs on March 31( current year )As on March 31( previous year )As on March 31( current year )

(1)(2)(3)(4)(5)(6)(7)

2014STATE BANK OF BIKANER & JAIPUR2119521235111083995273281303317709

STATE BANK OF HYDERABAD318604821821837-582421448729849

STATE BANK OF INDIA511894412167179182128825616054219565310961

STATE BANK OF MYSORE208062097513593-281891208816303

STATE BANK OF PATIALA245304064027587-375841194224045

STATE BANK OF TRAVANCORE174994932236052-30769988619285


AXIS BANK23934254768745920231464704110246

CATHOLIC SYRIAN BANK LTD210939042677-33369931932

CITY UNION BANK LIMITED173145623363-29319641973

DCB BANK LIMITED 21509711736-1385491740

DHANLAXMI BANK380348813825-485826103019

FEDERAL BANK155405226517847141087443193216

HDFC BANK 233464621824854148172989346908200

ICICI BANK960784531414564217701050582230632980

INDUSIND BANK 4578624228041808620813681841

ING VYSYA BANK1214335214195172630911020

JAMMU & KASHMIR BANK LTD643841062710-78345531020

KARNATAKA BANK LTD638965394568-835937785380

KARUR VYSYA BANK285914781545-279210871399

KOTAK MAHINDRA BANK LTD 75819342426820611059431145736

LAKSHMI VILAS BANK459966875821-546528384434

NAINITAL BANK 673135197-611--

SOUTH INDIAN BANK433962846297-432624952817

TAMILNAD MERCANTILE BANK LTD214568434707-428010682093

THE RATNAKAR BANK LIMITED259640121-77869305

YES BANK LTD.94339872438743174970261

PRIVATE SECTOR BANKS210705192187101836556322454245994488611

ALLAHABAD BANK 513706021230902-806804126857218

ANDHRA BANK 37145283246892-585762409233425

BANK OF BARODA798266833929406-1187594192060348

BANK OF INDIA930959176658074-1267886032676795

BANK OF MAHARASHTRA11376258938670-28599392918073

BHARATIYA MAHILA BANK LTD.0------

CANARA BANK 626028443671336-757025278159655

CENTRAL BANK OF INDIA845607569045250-1150004988066500

CORPORATION BANK 20482355578672-473681410931806

DENA BANK 145252419912563-26160917218189

IDBI BANK LIMITED645005706021958-996023100449023

INDIAN BANK 356552832318356-456222384327637

INDIAN OVERSEAS BANK 660806902444899-902054027256581

ORIENTAL BANK OF COMMERCE418404027125932-561792902739044

PUNJAB AND SIND BANK 15369161966030-255351110419186

PUNJAB NATIONAL BANK 13465810810053957-1888017236599170

SYNDICATE BANK 297853695120625-461111124827206

UCO BANK713013961644703-662144069335564

UNION BANK OF INDIA6313854789131659126956373353453403

UNITED BANK OF INDIA296388007338531-711801970046641

VIJAYA BANK 153292173917210-19859909712624

NATIONALISED BANKS1022272104655857712991261482576619362888086

AB BANK LIMITED 577057-704453

ABU DHABI COMMERCIAL BANK 0249--249-75

AMERICAN EXPRESS BANKING CORP.44617201971-195319110

ANTWERP DIAMOND BANK NV503---503--

AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED281-95-185--

BANK INTERNASIONAL INDONESIA 0------

BANK OF AMERICA N.A.0------

BANK OF BAHRAIN & KUWAIT B.S.C.523987531177803234565

BANK OF CEYLON15-1-14--

BANK OF NOVA SCOTIA579139338-19353501164

BANK OF TOKYO-MITSUBISHI UFJ LTD878--9588

BARCLAYS BANK PLC554318052709-46391473887

BNP PARIBAS163---163--

CITIBANK N.A.1358765195265-1484276677013

COMMONWEALTH BANK OF AUSTRALIA0------

CREDIT AGRICOLE6168--174-84

CREDIT SUISSE AG0------

CTBC BANK 522314759-7826819

DBS BANK LTD.582017677369197221156329015440

DEUTSCHE BANK AG1544374244-1673287254

FIRSTRAND BANK LTD220122--342--

HONGKONG AND SHANGHAI BANKING CORPN.LTD.640830582743-672411901098

HSBC BANK OMAN S.A.O.G.0------

INDUSTRIAL AND COMMERCIAL BANK OF CHINA0------

JP MORGAN CHASE BANK N.A.244-10-234--

JSC VTB BANK0------

KRUNG THAI BANK PUBLIC COMPANY LIMITED0------

MASHREQ BANK PSC0------

MIZUHO BANK LTD 125328838-15038771080

NATIONAL AUSTRALIA BANK0------

RABO BANK INTERNATIONAL0------

ROYAL BANK OF SCOTLAND N.V.27961601820-1136365-57

SBERBANK200---200170170

SHINHAN BANK0------

SOCIETE GENERALE 7-3-4--

SONALI BANK 15151-2928

STANDARD CHARTERED BANK 388013008411058-57826100983063

STATE BANK OF MAURITIUS LTD350276437017251019154688

SUMITOMO MITSUI BANKING CORPORATION0------

UBS AG0------

UNITED OVERSEAS BANK LTD0------

WESTPAC BANKING CORPORATION 0------

WOORI BANK0------

FOREIGN BANKS79971677752808238741157902679631724








AXIS BANK1806320234584385202393447267041



DCB BANK LIMITED 24187531021-2150302491

DHANLAXMI BANK104350482288-38035802610

FEDERAL BANK13008807054241151554019904319

HDFC BANK 199943137816506115202334635234690

ICICI BANK94753358711808816459960781860822306

INDUSIND BANK 347152782731144045789471368

ING VYSYA BANK149519391531689121452591

JAMMU & KASHMIR BANK LTD516645503278-6438493553


KARUR VYSYA BANK321020052357-28597881087







YES BANK LTD.83924371259107494317570


ALLAHABAD BANK 205905891928139-513701091741268

ANDHRA BANK 17980274178252-37145755924092

BANK OF BARODA446486843833260-798261543641920

BANK OF INDIA647097578147394-930953842560326


CANARA BANK 403185819335909-626023386352781



DENA BANK 9565111986238-1452557179172


INDIAN BANK 185082892511778-356551196823843





SYNDICATE BANK 318272142023462-297851185411248

UCO BANK408625161621177-713012263940693



VIJAYA BANK 171851601417869-1532999809097


AB BANK LIMITED 057--57-44

ABU DHABI COMMERCIAL BANK 31031-0--


ANTWERP DIAMOND BANK NV996-494-503174-

AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED0281--281--


BANK OF AMERICA N.A.7-7----



BANK OF NOVA SCOTIA96668185-579-350

BANK OF TOKYO-MITSUBISHI UFJ LTD825--8788


BNP PARIBAS275-268616341-

CITIBANK N.A.8464104215298-1358742387667


CREDIT AGRICOLE9-3-6--


CTBC BANK 16339334-52292268

DBS BANK LTD.2147423614841558207743290

DEUTSCHE BANK AG1348371175-1544114287

FIRSTRAND BANK LTD0220--220--





JSC VTB BANK0------



MIZUHO BANK LTD 631190--1253-877



ROYAL BANK OF SCOTLAND N.V.34655351204-2796933365

SBERBANK0------

SHINHAN BANK0------

SOCIETE GENERALE 12-4-7--

SONALI BANK 892-1502


STATE BANK OF MAURITIUS LTD210166-2635071154

SUMITOMO MITSUI BANKING CORPORATION0------

UBS AG0------


WESTPAC BANKING CORPORATION 0------

WOORI BANK0------

FOREIGN BANKS629664151924187527797711412226626








AXIS BANK1599418419969266591806341044726



DCB BANK LIMITED 2636682899-2418412302

DHANLAXMI BANK671918546-1043275580

FEDERAL BANK114836953434510841300819071990

HDFC BANK 1694315749328594131999429643523

ICICI BANK100343298612361611835947532407418608

INDUSIND BANK 2659286513427103471728947

ING VYSYA BANK1554172812675201495918525

JAMMU & KASHMIR BANK LTD51883147202611435166532493


KARUR VYSYA BANK22821740812-3210139788







YES BANK LTD.80564434626483992175


ALLAHABAD BANK 164792232118210-20590736410917

ANDHRA BANK 9956128734849-1798027377559

BANK OF BARODA315253443321311-44648790915436

BANK OF INDIA507395745443484-647091947838425


CANARA BANK 313744589836955-403182329933863



DENA BANK 842272226079-956554905717


INDIAN BANK 7403187957690-18508397011968





SYNDICATE BANK 259903156325726-318271030811854

UCO BANK3150424012107483906408621824622639



VIJAYA BANK 125922057015977-1718574129980


AB BANK LIMITED 0------

ABU DHABI COMMERCIAL BANK 127490103152-


ANTWERP DIAMOND BANK NV996---996182174

AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED0------


BANK OF AMERICA N.A.7---7--



BANK OF NOVA SCOTIA96---96--

BANK OF TOKYO-MITSUBISHI UFJ LTD733829-8288


BNP PARIBAS1131643-275-41

CITIBANK N.A.838770847006-846449284238


CREDIT AGRICOLE1989-1979-9--


CTBC BANK 2916430-1632592

DBS BANK LTD.834139459232147233774

DEUTSCHE BANK AG1785196632-1348331114

FIRSTRAND BANK LTD0------





JSC VTB BANK0------



MIZUHO BANK LTD 63---63--



ROYAL BANK OF SCOTLAND N.V.614514574137-34651737933

SBERBANK0------

SHINHAN BANK0------

SOCIETE GENERALE 12---12--

SONALI BANK 7---722


STATE BANK OF MAURITIUS LTD1809967321013071

UBS AG0------


WOORI BANK0------

FOREIGN BANKS50687449373262236629661284714124








AXIS BANK1318014483498766821599441904104



DCB BANK LIMITED 31925071063-26361076412

DHANLAXMI BANK775411515-671419275

FEDERAL BANK821087585485-1148312881907

HDFC BANK 18168145104049116851694339212964

ICICI BANK948072865623120-1003433841124074

INDUSIND BANK 25551904693110726591018728

ING VYSYA BANK234523601590156115542218918

JAMMU & KASHMIR BANK LTD4623289115827455188643532


KARUR VYSYA BANK2353536607-2282310139




SBI COMMERCIAL & INTERNATIONAL BANK LTD33-1122044




YES BANK LTD.60249817811780513092


ALLAHABAD BANK 122181747113210-1647947027364

ANDHRA BANK 487979472869-99569572737

BANK OF BARODA240071897011452-3152560237909

BANK OF INDIA488272908429795-481162207519450

NPA research report

Documents

Transcript of NPA research report