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Unit 13: Non Performing Assets

some healthy unit. The bank finds it difficult to lay hands on the security against which working Notes
capital facility was given because of inadequate legal measures.

Table 13.4: Non-performing Assets as percentage of Advances in different Categories of Banks

Bank Groups Gross Gross NPAs as % to Net Net NPAs as % to
Years NPAs Gross Advances NPAs Net Advances
Scheduled Commercial Banks
1997 473.00 15.7 22,340 8.1
2000 60,841 12.8 30,152 6.8
2001 63,883 11.4 32,468 6.2
2005 58,300 5.2 21,441 2.0
2006 51,815 3.5 18,529 1.2
2007 50,486 2.5 20,101 1.0
2008 56,435 2.3 24,733 1.0
2009 68,973 2.3 31,424 1.1
Public Sector Banks
1997 43,577 17.8 20,285 9.2
2000 53,294 14.0 26,188 7.4
2001 54,773 12.4 27,969 6.7
2005 47,325 6.0 16,642 2.7
2006 42,106 3.7 14,560 1.3
2007 38,968 2.7 15,145 1.1
2008 40,595 2.2 17,836 1.0
2009 45,156 2.0 21,033 0.9
Old Private Sector Banks
1997 2,325 10.7 1,385 6.6
2000 3,986 11.3 2,484 7.3
2001 4,420 11.1 2,770 7.3
2005 4,206 6.0 1,859 2.7
2006 3,740 4.6 1,367 1.6
2007 2,969 3.1 891 1.0
2008 2,557 2.3 740 0.7
2009 3,072 2.3 1,165 0.9
New Private Sector Banks
1997 2.7 2.6 154 2.0
2000 946 4.2 636 2.3
2001 1,617 5.1 929 3.1
2005 4,576 3.6 2,295 1.7
2006 4,336 1.8 1,793 0.8
2007 6,287 1.9 3,137 1.0
2008 10,426 2.5 4,906 1.2
2009 13,911 3.1 6,253 1.4
Foreign Banks in India
1997 1,181 4.3 516 1.9
2000 2,616 7.0 844 2.4
2001 3,106 6.8 785 1.8
2005 2,192 2.9 648 1.9
2006 1,928 1.9 807 0.8
2007 2,233 1.8 913 0.9
2008 2,664 1.8 1,250 1.2
2009 6,833 4.0 2,973 1.8
Source: Reports on Trend and Progress of Banking in India, RBI.

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