Indian Journal of Finance and Banking; Vol. 4, No. 1; 2020
ISSN 2574-6081 E-ISSN 2574-609X
Published by Centre for Research on Islamic Banking & Finance and Business, USA
A Study of Gross and Net Non-Performing Assets of Select Public Sector
Banks in India for the Period 2007-2008 to 2017-2018
Abhay Korde PhD
Advocate
High Court Bombay
Mumbai, India
&
Alumni, JBIMS, Mumbai, India
Kavita Laghate PhD
Professor & Director
Jamnalal Bajaj Institute of Management Studies
University of Mumbai
Mumbai, India
Abstract
The Non-Performing Assets (NPAs) are considered as one of the important parameters for anlysing the health of the
Indian Banks. The Authors have taken a look at the Literature Reviews related to the non-performing assets related studies
looked into by other Research Scholars. The authors in this research study has made an attempt to study the secondary
data related to Gross and Net Non-Performing Assets or Loans of select Banks in India, which is available in the public
domain of the regulators of Indian Banks i.e. Reserve Bank of India (RBI) from April 2007 to March 2018 and has
performed the ABC analysis as per cumulative (decreasing method) to study the performance and the management and
governance of those Banks. Finally, the authors conclude that some of the select Indian Banks taken for study appear in the
various Groups formulated for study i.e. Group A (Poor Performance), Group B (Satisfactory Performance) and Group C
(Good Performance) are thus a matter of great concern to the economy of the country.
Keywords
Assets, Banks, Governance, Gross, Indian, Loans. Management, Net, Performance.
1. Introduction
The entire world has accepted that the country is galloping towards being the third largest economy of the world in the near
future and therefore, the financial and banking system or sector in India is required to play an important role to shape up its
economy. The main business of the banking system is to cater to the financial needs of the business and individuals, but
now it has also been vested with the responsibility to support other activities like the Insurance and supporting various
schemes announced by the government from time to time. The Banks are required not only to safeguard the deposits of the
Customers but also required to ensure that the loans or advances given are not defrauded by the business community or
certain individuals for their own vested interest, as it has been observed in the recent past. Therefore, to arrive at the
strength of the banking system in India the Non-Performing Assets (NPAs) are considered as one of the important
parameter for analysis. A sound banking and financial system is therefore, needs now.
2. Literature Review
The objective of study of Sanjeev (2007) was to identify critical factors, which were responsible for the loans of the banks to
go bad in the Indian commercial banking system. The Methodology adopted for the study was mainly related to primary
data collected from credit managers of banks operating in India. Their study revealed that the external factors have a higher
influence compared to the internal factors, which was also very surprising. The Economic downturn and willful default
have been found to be most critical factor. Also the poor credit scoring skill of managers, absence of suitable administrative
penalties and target completion have been found to have a significant influence amongst factors related with the loan
appraisal mechanism of the banks. The seizure and disposal of collateral have found to be the toughest challenges amongst
the factors related with the loan monitoring and controlling mechanism. The level of loan manager’s motivation,,
manpower, skill to appraise collateral, effort to reduce costs, government and political intervention and soft budget
constraints have been found to have a lower influence.
However, the objective of study of Khushpatand & Rahul (2012) was to analyze the trends in Non-Performing Assets
(NPAs) in the Indian Banking Sector from 2004-2011, to assess the contributing factors to the NPA in the Indian Banking
Sector and to suggest measures to halt and curtail the rising burden of NPAs. They mainly dealt with the rising burden of
NPAs in Indian financial system and their likely impact and measures to minimize such adverse impact on the Indian
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banking system in particular and Indian economy in general. They were also of the view that the factor contributing to the
rising NPAs is the upward shift in interest rates due to the Reserve Bank of India’s (RBI) tight monetary policy for
controlling inflation. The increased interest rate (floating interest) has increased the repayment burden of borrowers which
is compelling them to default their interest payments and repayments. The authors concluded that the banks should focus
on recovery of existing loans and be more circumspect in their credit appraisal, rescheduling of large corporate loans as
rising interest cost and falling sales revenue may result in widespread defaults of corporate loans, phasing out of priority
sector loans to 10% of the total loans so as to reduce the burden of NPAs in priority sector, making priority sector loans
need-based rather than target based which results in poor credit appraisal and loan default. The authors arrived at a
conclusion that the major contributor to the NPAs in banking sector was agricultural sector. NPAs in non-priority sectors
are likely to increase due to decelerating trends in major sectors like manufacturing and infrastructure and slowing down of
economy during 2012.
3. Definitions
3.I Non-Performing Assets (NPA) or Non-Performing Loans (NPL)
The non-performing assets or loans in the books of the Banks are the loan that has been defaulted by the borrower. As per
the regulators of Banks in India the loan becomes non-performing it is in default for 90 days.
3.2 Gross Non-Performing Assets (GNPA) or Gross Non-Performing Loans (GNPL)
It is the total number of Non-Performing Assets or Loans of the Banks added together.
3.3 Net Non-Performing Assets (NNPA) or Net Non-Performing Loans (NNPL)
Net Non-Performing Assets or NNPL is the total of actual bad assets minus the provision left aside. The Indian Banks
Regulator defines Net NPA or NPL as Net NPA or NPL = Gross NPA or NPL - (Balance in Interest Suspense Account
+ Deposit Insurance and Credit Guarantee Corporation (DICGC)/Export Credit Guarantee Corporation of India (ECGC)
claims received and held pending adjustment + Part payment received and kept in suspense account + Total provisions
held.
4. Objective of Research Study
To study and analyze Select Indian Bank’s Gross Non-Performing Assets or Loans and Net Non-Performing
Assets or Loans from April 2007 to March 2018.
To do comparative analysis of the Select Indian Bank’s Gross Non-Performing Assets or Loans and Net Non-
Performing Assets or Loans from April 2007 to March 2018.
To analyse the management and governance or performance of directing and controlling of the Select Indian
Bank’s from April 2007 to March 2018.
5. Methodology Adopted For Research
Banking sector is analysed using secondary data available from Reserve Bank of India (RBI) and Money Control websites.
It is an Analytical Research. The data was collected for the period of April 2007 to March 2018 i.e. 2007-2008 to 2017-
2018. Assuming that the figures are given by the apex body of the banking sector, i.e. Reserve Bank of India and therefore,
ABC analysis is attempted on that.
6. Analysis of Data
6.1 The defaulted loans of the Select Indian Bank’s from April 2007 to March 2018 were done according to the increasing
method as given in Appendix A and respectively.
6.2 The Group ranking of the select Indian Bank’s Defaulted Loans from April 2007 to March 2018 was as per the results
arrived from the ABC Analysis method as given in Appendix A, B and C, D respectively.
Table 1. Ranking of Gross Non-Performing Assets or Loans of the select Indian Banks from April 2007 to March 2018
(Bank with Highest Gross Non-Performing Loans is Rated I).
Name of the
2007-
2008-
2009-
2010-
2011-
2012-
2013-
2014-
2015-
2016-
2017-
Select Indian
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
Banks
State Bank of
1
1
1
1
1
1
1
1
1
1
1
India
Punjab
2
2
4
3
2
2
2
2
2
2
2
National
Bank
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Indian Journal of Finance and Banking
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Central Bank
3
4
7
11
3
4
5
9
9
9
9
of India
Bank
of
4
8
8
5
7
5
3
4
4
5
4
Baroda
Bank of India
5
3
2
2
4
3
4
3
3
3
3
Syndicate
6
9
10
10
12
15
16
15
14
14
14
Bank
Union Bank
7
7
5
4
5
9
7
7
8
8
6
of India
UCO Bank
8
10
11
6
8
6
12
10
10
11
10
IDBI Bank
9
11
9
9
6
8
6
8
7
4
5
Oriental
10
13
12
12
11
12
14
21
12
10
13
Bank
of
Commerce
Canara Bank
11
5
6
8
9
10
10
6
5
7
7
Allahabad
12
12
14
13
14
11
9
11
11
12
12
Bank
Indian
13
6
3
7
10
7
8
5
6
6
8
Overseas
Bank
Bank
of
14
15
15
16
18
21
18
16
16
15
16
Maharashtra
United Bank
15
14
13
14
13
16
11
14
17
18
17
of India
Corporation
16
18
17
19
19
17
15
12
13
16
15
Bank
Dena Bank
17
17
18
18
20
20
19
18
19
17
18
Vijaya Bank
18
16
16
15
17
19
21
20
20
20
21
Indian Bank
19
19
19
20
15
14
17
17
18
19
19
Andhra Bank
20
20
20
17
16
13
13
13
15
13
11
Punjab and
21
21
21
21
21
18
20
19
21
21
20
Sind Bank
25
(Bank wise
GNPAs or
20
GNPLs)
15
2007-
10
2008
5
2008-
0
2009
2009-
2010
2010-
2011
Figure 1. Ranking of Gross Non-Performing Assets or Loans of the select Indian Banks from April 2007 to May 2018
Table 2. Ranking of Net Non-Performing Assets or Loans of the select Indian Banks from April 2007 to March 2018
(Bank with Highest Net Non-Performing Assets or Loans is Rated I).
Name of
2007-
2008-
2009-
2010-
2011-
2012-
2013-
2014-
2015-
2016-
2017-
the Bank
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
State Bank
1
1
1
1
1
1
1
1
1
1
1
of India
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Indian Journal of Finance and Banking
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UCO Bank
2
6
7
5
9
8
13
9
10
14
11
IDBI Bank
3
5
5
7
7
11
10
10
7
4
3
Central Bank
4
3
11
11
2
5
4
8
9
9
9
of India
Canara Bank
5
2
4
2
5
4
6
5
4
5
4
Punjab
6
17
6
3
3
2
2
2
2
2
2
National
Bank
Syndicate
7
7
9
9
13
17
17
16
14
15
13
Bank
Bank
of
8
8
2
4
4
3
3
3
3
3
5
India
Oriental
9
11
12
10
8
12
12
12
12
10
10
Bank
of
Commerce
Bank
of
10
10
14
12
11
6
5
6
5
8
7
Baroda
Allahabad
11
12
16
15
14
7
7
11
11
11
15
Bank
Indian
12
4
3
8
10
9
8
4
6
6
8
Overseas
Bank
United Bank
13
9
10
13
15
16
11
15
16
18
16
of India
Bank
of
14
16
13
16
21
21
20
14
15
13
17
Maharashtra
Dena Bank
15
14
17
17
19
19
19
19
19
17
18
Vijaya Bank
16
15
15
14
16
20
21
21
20
21
20
Union Bank
17
13
8
6
6
10
9
7
8
7
6
of India
Corporation
18
18
18
18
17
16
15
13
13
12
12
Bank
Indian Bank
19
19
19
19
12
14
16
18
18
19
19
Punjab and
20
21
20
21
20
18
18
20
21
20
21
Sind Bank
Andhra Bank
21
20
21
20
18
13
14
17
17
16
14
25
(Bank wise
20
NNPA or NNPL)
15
with Highest NPA
2007-2008
10
is Rated 1)
2008-2009
5
2009-2010
0
2010-2011
2011-2012
2012-2013
2013-2014
2014-2015
2015-2016
Figure 2. Ranking of Net Non-Performing Assets or Loans of the select Indian Banks from April 2007 to March 2018
6.3 Select Indian Banks - Gross and Net Non-Performing Assets or Loans -Analysis
For the purpose of analyzing the select Indian Banks, and deciding the management performance and governance, it was
decided to have ABC Analysis of three groups from the cumulative (decreasing method) Gross & Net NPAs or NPLs of the
select Indian Banks.
Group A - 1 - 70 - Poor management and governance or performance of directing and controlling.
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Group - B - 71-
90 - Satisfactory management and governance or performance of directing and controlling.
Group - C - 91 - 100 - Good management and governance or performance of directing and controlling.
6.3.1 Group - A
State Bank of India, Punjab National Bank, Bank of India and Central Bank of India were in Group A i.e. 1-70%
(Poor
performance) most the years in Gross Non-Performing Assets or Loans and Net Non-Performing Assets or Loans from
April 2007 to March 2018. An analysis of this four Bank’s movement is studied and it is observed as below:
6.3.1.1 State Bank of India
From August 2008 to April 2017, along with its seven subsidiary banks and Bhartiya Mahila Bank were merged into State
Bank of India. However, it can be observed from Appendix A and B that there was not much impact on the Non-
Performing Assets or Loans during that period.
Table 3. Gross & Net Non-Performing Assets or Loans as on March 2018
Rs. Million
Gross Non-Performing Loans
Net Non-Performing Loans
Year
Last
Added
Reduced
Written-Off
Present Year
Last Year
Present Year
Year’s Out
during the
during the
standing
year
year
2017-18
1123430
1603037
90238
401954
2234275
582774
1108547
Table 4. Details of Chairman of State Bank of India from April 2007 to March 2018
Sl.No.
Name
Period
From
To
1.
Shri O.P.Bhatt
July 2006
March 2011
2.
Shri Pratip Chaudhari
April 2011
September 2013
3.
Smt. Arundhati Bhattacharya
October 2013
October 2017
4.
Shri Rajnish Kumar
October 2017
Till Date
It can be observed from table 3 that the Gross Non-Performing Assets or Loans during the previous year ending i.e.
March 2017 was Rs.1123430 Million and during the year April 2017 to March 2018 Rs.1603037 Million were added.
During the year Bank had reduced Rs.90238 Million and written off Rs.401954 Million. The Gross Non-Performing
Assets or Loans of the Bank at the end of March 2018 stood at Rs.2234275 Million. As regards the Net Non-Performing
Assets or Loans during the previous year ending was Rs.582774 Million and during the year ending March 2018 it stood at
Rs.1108547 Million. It can also be observed that during the study period April 2007 to March 2018 the Bank topped in
Group A, during the entire period.
6.3.1.2 Punjab National Bank
It is interesting to note that there were no other Banks merged into Punjab National Bank from April 2007 to March 2018.
The Gross and Net Non-Performing Assets or Loans of the Bank were amongst the top two for the study period i.e. April
2007 to March 2018 as can be seen from Appendix A,B,C and D.
Table 5. Gross & Net Non-Performing Assets or Loans as on March 2018
Rs. Million
Gross Non-Performing Assets or Loans
Net Non-Performing Assets or
Loans
Year
Last
Added
Reduced
Written-Off
Present Year
Last Year
Present Year
Year’s
during the
during the
Out
year
year
standing
2017-18
553705
442743
56175
74072
866201
327021
486843
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Table 6. Details of Chairman and Managing Director and Chief Executive Officer-Punjab National Bank
from April 2007 to March 2018
Sl.No.
Name
Period
From
To
1.
Dr. K.C.Chakravarty
2007
June 2009
2.
Mr. K.R.Kamath
October 2009 October 2014
3.
Mr. Gauri Shankar, Executive Director
February 2015
August 2015
(Acting Chairman and Managing Director)
4.
Mrs. Usha Ananthasubramanian
August 2015
May 2017
5.
Mr. Sunil Mehta
May 2017
September 2019
It can be observed from table 5 that the Gross Non-Performing Loans during the previous year ending i.e. March 2017
was Rs.553705 Million and during the year April 2017 to March 2018 Rs.442743 Million were added. During the year
the Bank had reduced Rs.56175 Million and written off Rs.74072 Million. The Gross Non-Performing Assets or Loans
of the Bank stood at the end of April 2018 to Rs.866201 Million. As regards the Net Non-Performing Assets or Loans
during the previous year ending was Rs.327021 Million and during the year ending March 2018 it stood at Rs.486843
Million. It can also be observed that during the study period April 2007 to March 2018 the Bank was mostly in Group A.
6.3.1.3 Bank of India
The Gross and Net Non-Performing Assets or Loans of the Bank were amongst the top three for the study period i.e.
April 2007 to March 2018 as can be seen from Appendix A,B,C and D.
Table 7. Gross & Net Non-Performing Assets or Loans as on March 2018
Rs. Million
Gross Non-Performing Assets or Loans
Net Non-Performing Assets or
Loans
Year
Last
Added
Reduced
Written-Off
Present Year
Last Year
Present Year
Year’s
during the
during the
Out
year
year
standing
2017-
520445
255805
62518
90448
623285
253050
282073
2018
Table 8. Details of Chairman and Managing Director and Chief Executive Officer -
Bank of India from April 2007 to March 2018
Sl.No.
Name
Period
From
To
1.
Mr. Alok K. Misra
August 2003
September 2012
2.
Mrs. V.R.Iyer
November 2012
May 2015
3.
Mr. Melwyn Rego
February 2015
August 2015
4.
Mrs. Usha Ananthasubramanian
August 2015
May 2017
5.
Mr. Dinabandhu Mohapatra
May 2017
June 2019
It can be observed from table 7 that the Gross Non-Performing Loans during the previous year ending i.e. March 2017
was Rs.520445 Million and during the year April 2017 to March 2018 Rs.255805 Million were added. During the year
the Bank had reduced Rs.62518 Million and written off Rs.90448 Million. The Gross Non-Performing Assets or Loans
of the Bank at the end of March 2018 stood at Rs.623285 Million. As regards the Net Non-Performing Assets or Loans
during the previous year ending was Rs.253050 Million and during the year ending March 2018 it stood at Rs.282074
Million. It can also be observed that during the study period April 2007 to March 2018 the Bank was mostly in Group A.
6.3.1.4 Central Bank of India
The Gross and Net Non-Performing Assets or Loans of the Bank were amongst the top four for the study period i.e April
March 2007 to March 2018 as can be seen from Appendix A,B,C and D.
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Indian Journal of Finance and Banking
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Table 9. Gross & Net Non-Performing Assets or Loans as on March 2018
Rs. Million
Gross Non-Performing Assets or Loans
Net Non-Performing Assets or
Loans
Year
Last
Added
Reduced
Written-Off
Present Year
Last Year
Present Year
Year’s
during the
during the
Out
year
year
standing
2017-
272513
170712
32683
29236
381307
142178
173779
2018
Table 10. Details of Chairman and Managing Director and Chief Executive Officer -
Central Bank of India from April 2007 to March 2018
Sl.No.
Name
Period
From
To
1.
Ms. H.A.Daruwalla
June 2005
December 2008
2.
Mr. S. Sridharan
March 2009
May 2011
3.
Mr. M.V.Tanksale
June 2011
July 2013
4.
Mr. Rajeev Rishi
1 August 2013
31 August 2018
5.
Mr. Pallav Mohapatra
September 2018
Till Date
It can be observed from table 9 that the Gross Non-Performing Assets or Loans during the previous year ending i..e
March 2017 was Rs.272513 Million and during the year April 2017 to March 2018 Rs.170712 Million were added.
During the year the Bank had reduced Rs.32683 Million and written off Rs.29236 Million. The Gross Non-Performing
Assets or Loans of the Bank at the end of March 2018 stood at Rs.381307 Million. As regards the Net Non-Performing
Assets or Loans during the previous year ending was Rs.142178 Million and during the year ending March 2018 it stood at
Rs.173779 Million. It can also be observed that during the study period April 2007 to March 2018 the Bank was mostly
in Group A.
6.3.2 Group - B
Canara Bank and Bank of Maharashtra - were in Group B i.e. 71 - 90% (Satisfactory Performance) most of the years in
Gross NPAs and Net NPAs during the period of study i.e. 2007-2008 to 2017-2018. An analysis of movement of two
Banks i.e. Canara Bank and Bank of Maharashtra is studied and it is observed as below:
6.3.2.1 Canara Bank
The Gross and Net Non-Performing Assets or Loans of the Bank were fluctuated in various rankings and was mostly in
Group B during the period March 2007 to April 2018, can be seen from Appendix A,B,C and D.
The Gross and Net Non-Performing Assets or Loans of the Bank were amongst the top three for the study period i.e.
April 2007 to March 2018 as can be seen from Appendix A,B,C and D.
Table 11. Gross & Net Non-Performing Assets or Loans as on March 2018
Rs. Million
Gross Non-Performing Assets or Loans
Net Non-Performing Assets or
Loans
Year
Last
Added
Reduced
Written-Off
Present Year
Last Year
Present Year
Year’s
during the
during the
Out
year
year
standing
2017-
342020
247608
31847
83097
474685
216490
285424
2018
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Table 12. Details of Chairman and Managing Director and Chief Executive Officer -
Canara Bank from April 2007 to March 2018
Sl.No.
Name
Period
From
To
1.
Mr. M B A Rao
June 2005
June 2008
2.
Mr. A.C.Mahajan
July 2008
July 2010
3.
Mr. S. Raman
September 2010
September 2012
4.
Mr.R.K.Dubey
January 2013
September 2014
5.
Mr. Shri D.N.Manoharan
2014
July 2015
6.
Mr. Rakesh Sharma
August 2015
July 2018
7.
RA Sankara Narayanan
April 2019
January 2020
It can be observed from table 11 that the Gross Non-Performing Assets or Loans during the previous year ending i.e.
March 2017 was Rs.342020 Million and during the year March 2017 to April 2018 Rs.247608 Million were added.
During the year Bank had reduced Rs.31847 Million and written off Rs.83097 Million. The Gross Non-Performing Assets
or Loans of the Bank at the end of March 2018 stood at Rs.474685 Million. As regards the Net Non-Performing Assets
or Loans during the previous year ending was Rs.216490 Million and during the year ending March 2018 it stood at
Rs.285424 Million. It can also be observed that during the study period April 2007 to March 2018 the Bank was mostly
in Group B.
6.3.2.2 Bank of Maharashtra
The Gross and Net Non-Performing Assets or Loans of the Bank were fluctuated in various rankings and was mostly in
Group B during the period April 2007 to March 2018, as can be seen from Appendix A,B,C and D.
Table 13. Gross & Net Non-Performing Loans as on March 2018
Rs. Million
Gross Non-Performing Assets or Loans
Net Non-Performing Assets or
Loans
Year
Last
Added
Reduced
Written-Off
Present Year
Last Year
Present Year
Year’s
during the
during the
Out
year
year
standing
2017-
171887
54349
20300
24603
184332
113312
96412
2018
Table 14. Details of Chairman and Managing Director and Chief Executive Officer -
Bank of Maharashtra from April 2007 to March 2018
Sl.No.
Name
Period
From
To
1.
Mr. Allen Pereira
2007
2011
2.
Mr. Narendra Singh
February 2012
September 2013
3.
Mr. Sushil Muhnoot
September 2013
September 2016
4.
Mr. Ravindra Marathe
September 2016
June 2018
It can be observed from table 13 that the Gross Non-Performing Assets or Loans during the previous year ending i.e.
March 2017 was Rs.171887 Million and during the year April 2017 to March 2018 Rs54349 Millions were added.
During the year Bank had reduced Rs.20300 Million and written off Rs.24603 Million. The Gross Non-Performing
Assets or Loans of the Bank at the end of March 2018 stood at Rs.184332 Million. As regards the Net Non-Performing
Assets or Loans during the previous year ending was Rs.113312 Million and during the year ending March 2018 it stood at
Rs.96412 Million. It can also be observed that during the study period April 2007 to March 2018 the Bank was mostly in
Group B.
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Indian Journal of Finance and Banking
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6.3.3 Group - C
United Bank of India and Punjab and Sind Bank - were in Group C i.e. 91 - 100%
(Good Performance) most of the
years in Gross Non-Performing Assets or Loans and Net Non-Performing Assets or Loans during the period of study i.e.
April 2007 to March 2018. An analysis of these two Banks movement is studied and it is observed as below:
6.3.3.1 United Bank of India
The Gross and Net Non-Performing Assets or Loans of the Bank were fluctuated mostly in Group C during the period
April 2007 to March 2018, as can be seen from Appendix A,B,C and D.
Table15. Gross & Net Non-Performing Assets or Loans as on March 2018
Rs. Million
Gross Non-Performing Assets or Loans
Net Non-Performing Assets or
Loans
Year
Last
Added
Reduced
Written-Off
Present Year
Last Year
Present Year
Year’s
during the
during the
Out
year
year
standing
2017-
109520
86063
11391
18669
165521
65919
103163
2018
Table 16. Details of Chairman and Managing Director and Chief Executive Officer -
United Bank of India - From April 2007 To March 2018
Sl.No.
Name
Period
From
To
1.
Mr. P.K.Gupta
November 2008
February 2010
2.
Mr. Bhaskar Sen
March 2010
2013
3.
Mrs. Archana Bhargava
April 2013
February 2014
4.
Mr. Peturi Srinivasan
December 2014
June 2016
5.
Mr. Pawan Kumar Bajaj
August 2016
September 2018
6.
Mr. Ashok Kumar Pradhan
October 2018
Till Date
It can be observed from table 15 that the Gross Non-Performing Assets or Loans during the previous year ending i.e.
March 2017 was Rs.109520 Million and during the year April 2017 to March 2018 Rs. 86063 Millions were added.
During the year Bank had reduced Rs.11391 Million and written off Rs.18669 Million. The Gross Non-Performing
Assets or Loans of the Bank at the end of March 2018 stood at Rs.165521 Million. As regards the Net Non-Performing
Assets or Loans during the previous year ending was Rs.65919 Million and during the year ending March 2018 it stood at
Rs. 103163 Million. It can also be observed that during the study period April 2007 to March 2018 the Bank was mostly
in Group C.
6.3.3.2 Punjab and Sind Bank
The Gross and Net Non-Performing Assets or Loans of the Bank were mostly in Group C during the period April 2007 to
March 2018, as can be seen from Appendix A, B, C and D.
Table 17. Gross & Net Non-Performing Assets or Loans as on March 2018
Rs. Million
Gross Non-Performing Assets or Loans
Net Non-Performing Assets or
Loans
Year
Last
Added
Reduced
Written-Off
Present Year
Last Year
Present Year
Year’s
during the
during the
Out
year
year
standing
2017-
62976
25918
6279
4598
78017
43751
46079
2018
Copyright © CC-BY-NC 2020, CRIBFB | IJFB
50
Indian Journal of Finance and Banking
Vol. 4, No. 1; 2020
Table 18. Details of Chairman and Managing Director and Chief Executive Officer -
United Bank of India - From April 2007 to March 2018
Sl.No.
Name
Period
From
To
1.
Mr. S.R.P.Singh
2007
August 2009
2.
Mr. S.G.S.Vedi
August 2009
June 2010
3.
Mr. D.P.Singh
November 2011
January 2014
4.
Mr. Jatinder Singh
February 2014
December 2017
5.
S Harisankar
September 2018
Till Date
It can be observed from table 17 that the Gross Non-Performing Assets or Loans during the previous year ending i.e.
March 2017 was Rs.62976 Million and during the year April 2017 to March 2018 Rs. 25918 Millions were added.
During the year the Banks had reduced Rs. 6279 Million and written off Rs.4598 Million. The Gross Non-Performing
Loans of the Bank at the end of March 2018 stood at Rs.78017 Million. As regards the Net Non-Performing Assets or
Loans during the previous year ending was Rs.43751 Million and during the year ending March 2018 it stood at Rs.
46079 Million. It can also be observed that during the study period March 2007 to April 2008 the Bank was mostly in
Group C.
7. Conclusion
The study of select Indian Banks for the period from April 2007 to March 2018 of all the groups together concludes that
some of the Banks Net Performing Assets or Loans were very high and beyond the control of the Banks. The Banks have
also been defrauded by large borrowers which have brought more strain on its assets. In some cases from the study it
indicates that the performance of the Bank’s management was one of the reasons for rise in non-performing assets or loans
and also it can be seen that there were no heads in respect of some Banks during the study period and it is a matter of great
concern. It is therefore, concluded that there should be a strong management for better results and governance and the
Regulators must also have strong supervisory control and policies put in place for better results. Since the Banks under
study are formed under the law of the Government, it becomes necessary for the Government to have in place heads for all
the Banks, so that decision making becomes easier and also those large borrowers who are defrauding their loans should be
also strictly dealt with. It is necessary to have a sound financial and banking system to strengthen the economy of the
country.
8. Limitations
Only few selected banks are analyzed. Only the government banks were taken up for study and other type of banks i.e.
Private, Co-operative and Foreign are not part of study. The qualitative aspect of the banking sector and the political
environment prevailing in the country is also not part of the research study. It will be therefore, interesting to study the
performance and management of the Banks after another five years after the merger of government banks into 4 to 5 big
banks.
References
Sanjeev, G. M. (2007). Non-Performing Assets in Commercial Banks. Journal of Management Research, 7(1),South Asia
Publications.
Khushpatand J. S., & Rahul, C. G. (2012). Managing Business in Turbulent Times. JBIMS, Mumbai Journal, Excel India
Publishers, New Delhi
Retrieved from Select Indian Banks Websites and Annual Reports.
Copyright © CC-BY-NC 2020, CRIBFB | IJFB
51
Indian Journal of Finance and Banking
Vol. 4, No. 1 2020
Appendix - A
ABC Analysis of Gross Non-Performing Assets (GNPA) or Loans of select Indian Public Sector Banks for the period April 2007 to March 2018
Rs. Million
Name of Bank
2007-
Percentage of
Cumulative
Name of Bank
2008-
Percentage of
Cumulative
Name of Bank
2009-
Percentage
Cumulative
2008
Total
Gross
2009
Total
Gross
2010
of
Total
NPA
NPA
Gross NPA
State Bank of India
128373
33.95
33.95
State Bank of India
157140
37.19
37.19
State Bank of India
195349
34.93
34.93
Punjab
National
33193
8.78
42.73
Punjab National Bank
25069
5.93
43.12
Bank of India
48827
8.73
43.66
Bank
Central Bank of
23500
6.22
48.94
Bank of India
24709
5.85
48.97
Indian
Overseas
36111
6.46
50.11
India
Bank
Bank of Baroda
19814
5.24
54.18
Central Bank of India
23160
5.48
54.45
Punjab
National
32144
5.75
55.86
Bank
Bank of India
19309
5.11
59.29
Canara Bank
21680
5.13
59.58
Union Bank of India
26709
4.78
60.64
Syndicate Bank
17687
4.68
63.97
Indian Overseas Bank
19234
4.55
64.13
Canara Bank
25903
4.63
65.27
Union Bank of India
16566
4.38
68.35
Union Bank of India
19234
4.55
68.68
Central Bank of
24580
4.39
69.66
India
UCO Bank
16520
4.37
72.72
Bank of Baroda
18429
4.36
73.04
Bank of Baroda
24007
4.29
73.96
IDBI Bank
15647
4.14
76.86
Syndicate Bank
15945
3.77
76.82
IDBI Bank
21294
3.81
77.76
Oriental Bank of
12801
3.39
80.24
UCO Bank
15395
3.64
80.46
Syndicate Bank
20068
3.59
81.35
Commerce
Canara Bank
12726
3.37
83.61
IDBI Bank
14357
3.40
83.86
UCO Bank
16664
2.98
84.33
Allahabad Bank
10105
2.67
86.28
Allahabad Bank
10783
2.55
86.41
Oriental Bank of
14688
2.63
86.96
Commerce
Indian Overseas Bank
9970
2.64
88.92
Oriental Bank of
10581
2.50
88.91
United Bank of
13723
2.45
89.41
Commerce
India
Bank of Maharashtra
7663
2.03
90.94
United Bank of India
10200
2.41
91.33
Allahabad Bank
12218
2.18
91.59
United Bank of India
7610
2.01
92.96
Bank of Maharashtra
7984
1.89
93.22
Bank of Maharashtra
12098
2.16
93.76
Corporation Bank
5844
1.55
94.50
Vijaya Bank
6988
1.65
94.87
Vijaya Bank
9945
1.78
95.54
Dena Bank
5726
1.51
96.02
Dena Bank
6208
1.47
96.34
Corporation Bank
6509
1.16
96.70
Vijaya Bank
5115
1.35
97.37
Corporation Bank
5592
1.32
97.66
Dena Bank
6420
1.15
97.85
Indian Bank
4869
1.29
98.66
Indian Bank
4592
1.09
98.75
Indian Bank
5101
0.91
98.76
Andhra Bank
3724
0.98
99.64
Andhra Bank
3681
0.87
99.62
Andhra Bank
4879
0.87
99.63
Punjab & Sind Bank
1355
0.36
100
Punjab & Sind Bank
1610
0.38
100
Punjab & Sind Bank
2062
0.37
100
TOTAL:
378117
100
TOTAL:
422571
100
TOTAL:
559299
100
Copyright © CC-BY-NC 2020, CRIBFB | IJFB
52
Indian Journal of Finance and Banking
Vol. 4, No. 1 2020
Name of Bank
2010-
Percentage
Cumulative
Name of Bank
2011-
Percentage
Cumulative
Name of Bank
2012-
Percentage
Cumulative
2011
of Total
2012
of
Total
2013
of Total
Gross
Gross NPA
Gross
NPA
NPA
State Bank of India
253263
36.41
36.41
State Bank of India
396765
36.48
36.48
State Bank of India
511894
33.49
33.49
Bank of India
48116
6.92
43.33
Punjab National Bank
87196
8.02
44.50
Punjab National Bank
134658
8.81
42.29
Punjab National Bank
43794
6.30
49.63
Central Bank of India
72730
6.69
51.19
Bank of India
87653
5.73
48.03
Union Bank of India
36228
5.21
54.84
Bank of India
58940
5.42
56.61
Central Bank of India
84560
5.53
53.56
Bank of Baroda
31525
4.53
59.37
Union Bank of India
54499
5.01
61.62
Bank of Baroda
79826
5.22
58.78
UCO Bank
31504
4.53
63.90
IDBI Bank
45514
4.19
65.80
UCO Bank
71301
4.66
63.44
Indian Overseas Bank
30896
4.44
68.34
Bank of Baroda
44648
4.11
69.91
Indian Overseas Bank
66080
4.32
67.77
Canara Bank
30892
4.44
72.79
UCO Bank
40862
3.76
73.67
IDBI Bank
64500
4.22
71.99
IDBI Bank
27847
4.00
76.79
Canara Bank
40318
3.71
77.37
Union Bank of India
63138
4.13
76.12
Syndicate Bank
25990
3.74
80.53
Indian Overseas Bank
39201
3.60
80.98
Canara Bank
62602
4.10
80.21
Central Bank of India
23940
3.44
83.97
Oriental Bk of Comm.
35805
3.29
84.27
Allahabad Bank
51370
3.36
83.57
Oriental
Bank
of
19205
2.76
86.73
Syndicate Bank
31827
2.93
87.20
Oriental
Bank
of
41840
2.74
86.31
Commerce
Commerce
Allahabad Bank
16479
2.37
89.10
United Bank of India
21764
2.00
89.20
Andhra Bank
37145
2.43
88.74
United Bank of India
13558
1.95
91.05
Allahabad Bank
20890
1.92
91.12
Indian Bank
35655
2.33
91.07
Vijaya Bank
12592
1.81
92.86
Indian Bank
18508
1.70
92.82
Syndicate Bank
29785
1.95
93.02
Bank of Maharashtra
11737
1.69
94.55
Andhra Bank
17980
1.65
94.47
United Bank of India
29638
1.94
94.96
Andhra Bank
9956
1.43
95.98
Vijaya Bank
17185
1.58
96.05
Corporation Bank
20482
1.34
96.30
Dena Bank
8422
1.21
97.19
Bank of Maharashtra
12970
1.19
97.25
Punjab & Sind Bank
15369
1.01
97.30
Corporation Bank
7902
1.14
98.33
Corporation Bank
12742
1.17
98.42
Vijaya Bank
15329
1.00
98.31
Indian Bank
7403
1.06
99.39
Dena Bank
9565
0.88
99.30
Dena Bank
14525
0.95
99.26
Punjab & Sind Bank
4243
0.61
100
Punjab & Sind Bank
7634
0.70
100
Bank of Maharashtra
11376
0.74
100
TOTAL:
695492
100
TOTAL:
1087543
100
TOTAL:
1528726
100
Copyright © CC-BY-NC 2020, CRIBFB | IJFB
53
Indian Journal of Finance and Banking
Vol. 4, No. 1 2020
Name of Bank
2013-
Percentage
Cumulative
Name of Bank
2014-
Percentage
Cumulative
Name of Bank
2015-
Percentage
Cumulative
2014
of Total
2015
of Total
2016
of Total
Gross
Gross
Gross
NPA
NPA
NPA
State Bank of India
616054
29.47
29.47
State Bank of India
567253
22.26
22.26
State Bank of India
981728
19.02
19.02
Punjab National Bank
188801
9.03
38.50
Punjab National Bank
256949
10.08
32.35
Punjab National Bank
558183
10.81
29.83
Bank of Baroda
118759
5.68
44.18
Bank of India
221932
8.71
41.06
Bank of India
498791
9.66
39.50
Bank of India
118686
5.68
49.86
Bank of Baroda
162614
6.38
47.44
Bank of Baroda
405210
7.85
47.35
Central Bank of India
115000
5.50
55.36
Indian Overseas Bank
149225
5.86
53.30
Canara Bank
316378
6.13
53.48
IDBI Bank
99620
4.77
60.12
Canara Bank
130400
5.12
58.42
Indian Overseas Bank
300486
5.82
59.30
Union Bank of India
95637
4.57
64.70
Union Bank of India
130309
5.11
63.53
IDBI Bank
248751
4.82
64.12
Indian Overseas Bank
90205
4.31
69.01
IDBI Bank
126850
4.98
68.51
Union Bank of India
241709
4.68
68.80
Allahabad Bank
80680
3.86
72.87
Central Bank of India
118730
4.66
73.17
Central Bank of India
227210
4.40
73.20
Canara Bank
75702
3.62
76.49
UCO Bank
102651
4.03
77.20
UCO Bank
209077
4.05
77.25
United Bank of India
71180
3.40
79.90
Allahabad Bank
83580
3.28
80.48
Allahabad Bank
153846
2.98
80.23
UCO Bank
66214
3.17
83.07
Corporation Bank
71067
2.79
83.27
Oriental
Bank
of
147017
2.85
83.08
Commerce
Andhra Bank
58576
2.80
85.87
Andhra Bank
68765
2.70
85.97
Corporation Bank
145443
2.82
85.90
Oriental
Bank
of
56179
2.69
88.56
United Bank of India
65529
2.57
88.54
Syndicate Bank
138322
2.68
88.58
Commerce
Corporation Bank
47368
2.27
90.82
Syndicate Bank
64424
2.53
91.07
Andhra Bank
114436
2.22
90.80
Syndicate Bank
46111
2.21
93.03
Bank of Maharashtra
64021
2.51
93.58
Bank of Maharashtra
103859
2.01
92.81
Indian Bank
45622
2.18
95.21
Indian Bank
56704
2.23
95.81
United Bank of India
94710
1.83
94.64
Bank of Maharashtra
28599
1.37
96.58
Dena Bank
43930
1.72
97.53
Indian Bank
88270
1.71
96.35
Dena Bank
26160
1.25
97.83
Punjab & Sind Bank
30822
1.21
98.74
Dena Bank
85605
1.66
98.01
Punjab & Sind Bank
25535
1.22
99.05
Vijaya Bank
24432
0.96
99.70
Vijaya Bank
60271
1.17
99.18
Vijaya Bank
19859
0.95
100
Oriental
Bank
of
7662
0.30
100
Punjab & Sind Bank
42291
0.82
100
Commerce
TOTAL:
2090547
100
TOTAL:
2547849
100
TOTAL:
5161593
100
Copyright © CC-BY-NC 2020, CRIBFB | IJFB
54
Indian Journal of Finance and Banking
Vol. 4, No. 1 2020
Name of Bank
2016-
Percentage
Cumulative
Name of Bank
2017-
Percentage
Cumulative
2017
of
Total
2018
of
Total
Gross
Gross NPA
NPA
State Bank of India
1123430
18.14
18.14
State Bank of India
2234275
24.95
24.95
Punjab National Bank
553705
8.94
27.09
Punjab National Bank
866201
9.67
34.62
Bank of India
520445
8.40
35.49
Bank of India
623285
6.96
41.58
IDBI Bank
447526
7.23
42.72
Bank of Baroda
564804
6.31
47.88
Bank of Baroda
427187
6.90
49.62
IDBI Bank
555883
6.21
54.09
Indian Overseas Bank
350983
5.67
55.28
Union Bank of India
493699
5.51
59.60
Canara Bank
342020
5.52
60.81
Canara Bank
474685
5.30
64.90
Union Bank of India
337123
5.44
66.25
Indian Overseas Bank
381802
4.26
69.17
Central Bank of India
272510
4.40
70.65
Central Bank of India
381307
4.26
73.42
Oriental
Bank
of
228593
3.69
74.35
UCO Bank
305499
3.41
76.84
Commerce
UCO Bank
225410
3.64
77.99
Andhra Bank
281244
3.14
79.98
Allahabad Bank
206878
3.34
81.33
Allahabad Bank
265628
2.97
82.94
Andhra Bank
176700
2.85
84.18
Oriental
Bank
of
261336
2.92
85.86
Commerce
Syndicate Bank
176093
2.84
87.02
Syndicate Bank
257586
2.88
88.74
Bank of Maharashtra
171887
2.78
89.80
Corporation Bank
222134
2.48
91.22
Corporation Bank
170452
2.75
92.55
Bank of Maharashtra
184332
2.06
93.27
Dena Bank
126187
2.04
94.59
United Bank of India
165521
1.85
95.12
United Bank of India
109520
1.77
96.36
Dena Bank
163614
1.83
96.95
Indian Bank
98651
1.59
97.95
Indian Bank
119901
1.34
98.29
Vijaya Bank
63818
1.03
98.98
Punjab & Sind Bank
78017
0.87
99.16
Punjab & Sind Bank
62976
1.02
100
Vijaya Bank
75261
0.84
100
TOTAL:
6192094
100
TOTAL:
8956014
100
Copyright © CC-BY-NC 2020, CRIBFB | IJFB
55
Indian Journal of Finance and Banking
Vol. 4, No. 1 2020
Appendix - B
ABC Analysis of Net Non-Performing Assets (NNPAs) or Loans of Select Indian Public Sector Banks for the period April 2007 to March 2018.
Rs. Million
Name of Bank
2007-
Percentage
Cumulative
Name of Bank
2008-
Percentage
Cumulative
Name of Bank
2009-
Percentage
Cumulative
2009
of
total
2009
of
total
2010
of
total
Net NPA
Net NPA
Net NPA
State Bank of India
74243
44.32
44.32
State Bank of India
96774
48.47
48.47
State Bank of India
108702
39.27
39.27
UCO Bank
10923
6.52
50.84
Canara Bank
15073
7.55
56.03
Bank of India
22075
7.97
47.24
IDBI Bank
10829
6.46
57.30
Central Bank of
10630
5.32
61.35
Indian
Overseas
19950
7.21
54.45
India
Bank
Central Bank of India
10600
6.33
63.63
Indian
Overseas
9991
5.00
66.35
Canara Bank
17997
6.50
60.95
Bank
Canara Bank
8990
5.37
69.00
IDBI Bank
9490
4.75
71.11
IDBI Bank
14063
5.08
66.03
Punjab National Bank
7538
4.50
73.50
UCO Bank
8127
4.07
75.18
Punjab
National
9817
3.55
69.57
Bank
Syndicate Bank
6227
3.72
77.22
Syndicate Bank
6318
3.16
78.34
UCO Bank
9663
3.49
73.06
Bank of India
5920
3.53
80.75
Bank of India
6282
3.15
81.49
Union Bank of India
9653
3.49
76.55
Oriental
Bank of
5384
3.21
83.96
United Bank of
5250
2.63
84.12
Syndicate Bank
9632
3.48
80.03
Commerce
India
Bank of Baroda
4936
2.95
86.91
Bank of Baroda
4490
2.25
86.37
United Bank of India
7786
2.81
82.84
Allahabad Bank
3998
2.39
89.30
Oriental Bank of
4424
2.22
88.59
Central Bank of
7270
2.63
85.47
Commerce
India
Indian Overseas Bank
3632
2.17
91.46
Allahabad Bank
4221
2.11
90.70
Oriental Bank of
7238
2.61
88.08
Commerce
United Bank of India
3060
1.83
93.29
Union Bank of India
3259
1.63
92.33
Bank of Maharashtra
6624
2.39
90.48
Bank of Maharashtra
2540
1.52
94.81
Dena Bank
3134
1.57
93.90
Bank of Baroda
6023
2.18
92.65
Dena Bank
2154
1.29
96.09
Vijaya Bank
2923
1.46
95.37
Vijaya Bank
5818
2.10
94.75
Vijaya Bank
1816
1.08
97.18
Bank of Maharashtra
2719
1.36
96.73
Allahabad Bank
4702
1.70
96.45
Union Bank of India
1276
0.76
97.94
Punjab
National
2639
1.32
98.05
Dena Bank
4275
1.54
98.00
Bank
Corporation Bank
1269
0.76
98.70
Corporation Bank
1383
0.69
98.74
Corporation Bank
1973
0.71
98.71
Indian Bank
976
0.58
99.28
Indian Bank
938
0.47
99.21
Indian Bank
1449
0.52
99.23
Punjab & Sind Bank
670
0.40
99.68
Andhra Bank
792
0.40
99.61
Punjab & Sind Bank
1166
0.42
99.65
Andhra Bank
537
0.32
100
Punjab & Sind Bank
780
0.39
100
Andhra Bank
957
0.35
100
TOTAL:
167518
100
TOTAL:
199637
100
TOTAL:
276833
100
Copyright © CC-BY-NC 2020, CRIBFB | IJFB
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Indian Journal of Finance and Banking
Vol. 4, No. 1 2020
Name of Bank
2010-
Percentage
Cumulative
Name of Bank
2011-
Percentage
Cumulative
Name of Bank
2012-
Percentage
Cumulative
2011
of total
2012
of total
2013
of total
Net NPA
Net NPA
Net NPA
State Bank of India
123469
36.73
36.73
State Bank of India
158189
28.87
28.87
State Bank of India
219565
26.20
26.20
Canara Bank
23299
6.93
43.67
Central Bank of
46000
8.40
37.27
Punjab
National
72365
8.63
34.83
India
Bank
Punjab National Bank
20386
6.07
49.73
Punjab
National
44542
8.13
45.40
Bank of India
59473
7.10
41.93
Bank
Bank of India
19450
5.79
55.52
Bank of India
36564
6.67
52.07
Canara Bank
52781
6.30
48.23
UCO Bank
18246
5.43
60.95
Canara Bank
33863
6.18
58.25
Central Bank of
49880
5.95
54.18
India
Union Bank of India
18034
5.37
66.31
Union Bank of India
30250
5.52
63.78
Bank of Baroda
41920
5.00
59.18
IDBI Bank
16779
4.99
71.31
IDBI Bank
29109
5.31
69.09
Allahabad Bank
41268
4.92
64.11
Indian Overseas Bank
13284
3.95
75.26
Oriental Bank of
24590
4.49
73.58
UCO Bank
40693
4.86
68.96
Commerce
Syndicate Bank
10308
3.07
78.32
UCO Bank
22639
4.13
77.71
Indian
Overseas
40272
4.81
73.77
Bank
Oriental
Bank of
9382
2.79
81.12
Indian
Overseas
19074
3.48
81.19
Union Bank of India
33534
4.00
77.77
Commerce
Bank
Central Bank of India
8470
2.52
83.64
Bank of Baroda
15436
2.82
84.01
IDBI Bank
31004
3.70
81.47
Bank of Baroda
7909
2.35
85.99
Indian Bank
11968
2.18
86.19
Oriental Bank of
29027
3.46
84.93
Commerce
United Bank of India
7574
2.25
88.24
Syndicate Bank
11854
2.16
88.36
Andhra Bank
24092
2.87
87.81
Vijaya Bank
7412
2.21
90.45
Allahabad Bank
10917
1.99
90.35
Indian Bank
23843
2.84
90.65
Allahabad Bank
7364
2.19
92.64
United Bank of
10756
1.96
92.31
United Bank of India
19700
2.35
93.00
India
Bank of Maharashtra
6190
1.84
94.48
Vijaya Bank
9980
1.82
94.13
Corporation Bank
14109
1.68
94.68
Dena Bank
5490
1.63
96.11
Corporation Bank
8694
1.59
95.72
Syndicate Bank
11248
1.34
96.03
Corporation Bank
3977
1.18
97.30
Andhra Bank
7559
1.38
97.10
Punjab & Sind Bank
11104
1.32
97.35
Indian Bank
3970
1.18
98.48
Dena Bank
5717
1.04
98.14
Dena Bank
9172
1.09
98.45
Andhra Bank
2737
0.81
99.29
Punjab & Sind Bank
5476
1.00
99.14
Vijaya Bank
9097
1.09
99.53
Punjab & Sind Bank
2379
0.71
100
Bank of Maharashtra
4696
0.86
100
Bank of Maharashtra
3929
0.47
100
TOTAL:
336109
100
TOTAL:
547873
100
TOTAL:
838076
100
Copyright © CC-BY-NC 2020, CRIBFB | IJFB
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Indian Journal of Finance and Banking
Vol. 4, No. 1 2020
Name of Bank
2013-
Percentage
Cumulative
Name of Bank
2014-
Percentage
Cumulative
Name of Bank
2015-
Percentage
Cumulative
2014
of total
2015
of total
2016
of total
Net NPA
Net NPA
Net NPA
State Bank of India
310961
25.99
25.99
State Bank of India
275906
18.36
18.36
State Bank of India
558070
18.16
18.16
Punjab National Bank
99170
8.29
34.28
Punjab
National
153965
10.25
28.61
Punjab National Bank
354226
11.53
29.69
Bank
Bank of India
74172
6.20
40.48
Bank of India
135176
9.00
37.60
Bank of India
279964
9.11
38.80
Central Bank of India
66500
5.56
46.04
Indian
Overseas
98133
6.53
44.13
Canara Bank
208329
6.78
45.58
Bank
Bank of Baroda
60348
5.04
51.08
Canara Bank
87401
5.82
49.95
Bank of Baroda
194065
6.32
51.89
Canara Bank
59655
4.99
56.07
Bank of Baroda
80695
5.37
55.32
Indian Overseas Bank
192126
6.25
58.15
Allahabad Bank
57218
4.78
60.85
Union Bank of
69190
4.60
59.93
IDBI Bank
146434
4.77
62.91
India
Indian Overseas Bank
56581
4.73
65.58
Central Bank of
68070
4.53
64.46
Union Bank of India
140259
4.56
67.48
India
Union Bank of India
53403
4.46
70.04
UCO Bank
63306
4.21
68.67
Central Bank of India
132420
4.31
71.79
IDBI Bank
49023
4.10
74.14
IDBI Bank
59925
3.99
72.66
UCO Bank
114436
3.72
75.51
United Bank of India
46641
3.90
78.04
Allahabad Bank
59789
3.98
76.64
Allahabad Bank
102925
3.35
78.86
Oriental Bank of
39044
3.26
81.30
Oriental Bank
of
48162
3.21
79.84
Oriental
Bank of
99322
3.23
82.09
Commerce
Commerce
Commerce
UCO Bank
35564
2.97
84.27
Corporation Bank
44650
2.97
82.81
Corporation Bank
91601
2.98
85.07
Andhra Bank
33425
2.79
87.07
Bank
of
41266
2.75
85.56
Syndicate Bank
90149
2.93
88.01
Maharashtra
Corporation Bank
31806
2.66
89.73
United Bank of
40814
2.72
88.27
Bank of Maharashtra
68320
2.22
90.23
India
Indian Bank
27637
2.31
92.04
Syndicate Bank
38437
2.56
90.83
United Bank of India
61107
1.99
92.22
Syndicate Bank
27206
2.27
94.31
Andhra Bank
36886
2.45
93.29
Andhra Bank
60357
1.96
94.18
Punjab & Sind Bank
19186
1.60
95.91
Indian Bank
31470
2.09
95.38
Indian Bank
54194
1.76
95.95
Dena Bank
18189
1.52
97.43
Dena Bank
30143
2.01
97.39
Dena Bank
52305
1.70
97.65
Bank of Maharashtra
18073
1.51
98.94
Punjab & Sind Bank
22660
1.51
98.90
Vijaya Bank
42768
1.39
99.04
Vijaya Bank
12624
1.06
100
Vijaya Bank
16597
1.10
100
Punjab & Sind Bank
29495
0.96
100
TOTAL:
1196426
100
TOTAL:
1502641
100
TOTAL:
3072872
100
Copyright © CC-BY-NC 2020, CRIBFB | IJFB
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Indian Journal of Finance and Banking
Vol. 4, No. 1 2020
Name of Bank
2016-17
Percentage
Cumulative
Name of Bank
2017-18
Percentage
Cumulative
of
total
of
total
Net NPA
Net NPA
State Bank of India
582774
16.92
16.92
State Bank of India
1108547
24.39
24.39
Punjab National Bank
327021
9.50
26.42
Punjab National Bank
486843
10.71
35.10
Bank of India
253050
7.35
33.77
IDBI Bank
286651
6.31
41.41
IDBI Bank
252058
7.32
41.08
Canara Bank
285424
6.28
47.69
Canara Bank
216490
6.29
47.37
Bank of India
282073
6.21
53.90
Indian Overseas Bank
197493
5.73
53.11
Union Bank of India
243263
5.35
59.25
Union Bank of India
188321
5.47
58.57
Bank of Baroda
234827
5.17
64.42
Bank of Baroda
180802
5.25
63.82
Indian Overseas Bank
203997
4.49
68.91
Central Bank of India
142180
4.13
67.95
Central Bank of India
173779
3.82
72.73
Oriental
Bank
of
141178
4.10
72.05
Oriental
Bank
of
142829
3.14
75.87
Commerce
Commerce
Allahabad Bank
134335
3.90
75.95
UCO Bank
140821
3.10
78.97
Corporation Bank
116922
3.40
79.35
Corporation Bank
140770
3.10
82.07
Bank of Maharashtra
112296
3.26
82.61
Syndicate Bank
132395
2.91
84.98
UCO Bank
107034
3.11
85.72
Andhra Bank
126369
2.78
87.76
Syndicate Bank
104110
3.02
88.74
Allahabad Bank
122291
2.69
90.45
Andhra Bank
103548
3.01
91.75
United Bank of India
103163
2.27
92.72
Dena Bank
77351
2.25
93.99
Bank of Maharashtra
96412
2.12
94.85
United Bank of India
65919
1.91
95.91
Dena Bank
78388
1.72
96.57
Indian Bank
56066
1.63
97.53
Indian Bank
59596
1.31
97.88
Punjab & Sind Bank
43751
1.27
98.80
Vijaya Bank
50212
1.10
98.99
Vijaya Bank
41182
1.20
100
Punjab & Sind Bank
46079
1.01
100
TOTAL:
3443881
100
TOTAL:
4544729
100.00
Copyright © CC-BY-NC 2020, CRIBFB | IJFB
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Indian Journal of Finance and Banking
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Appendix - C
Details of Group Ranking of select Indian Public Sector Banks as per percentage of Gross Non-Performing Assets (GNPA) or Gross Non Performing Loans (GNPLs) for the period April
2007 to March 2018 - (Groups for studying the management and governance of select Banks from the cumulative (decreasing method) i.e. Group - A - 1-70 (Poor Performance), Group - B
-
71-90 (Satisfactory Performance) and Group - C - 91-100 (Good Performance).
Group
2007-2008
Highest GNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Central Bank of India, Bank of Baroda, Bank of India, Syndicate
Bank, Canara Bank.
Medium GNPAs
B (71-90%) (Satisfactory Performance)
UCO Bank, IDBI Bank, Oriental Bank of Commerce, Allahabad Bank, Indian Overseas Bank, Bank of
Maharashtra.
Lowest GNPAs
C (91-100%) (Good Performance)
United Bank of India, Corporation Bank, Dena Bank, Vijaya Bank, Indian Bank, Andhra Bank, Punjab & Sind
Bank.
Group
2008-2009
Highest GNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Bank of India, Central Bank of India, Canara Bank, Indian Overseas
Bank, Union Bank of India.
Medium GNPAs
B (71-90%) (Satisfactory Performance)
Bank of Baroda, Syndicate Bank, UCO Bank, IDBI Bank, Allahabad Bank, Oriental Bank of Commerce.
Lowest GNPAs
C (91-100%) (Good Performance)
United Bank of India, Bank of Maharashtra, Vijaya Bank, Dena Bank, Corporation Bank, Indian Bank, Andhra
Bank, Punjab & Sind Bank.
Group
2009-2010
Highest GNPAs
A (1-70%) (Poor Performance)
State Bank of India, Bank of India, Indian Overseas Bank, Punjab National Bank, Canara Bank, Central Bank of
India.
Medium GNPAs
B (71-90%) (Satisfactory Performance)
Bank of Baroda, IDBI Bank, Syndicate Bank, UCO Bank, Union Bank of India, Oriental Bank of Commerce,
United Bank of India.
Lowest GNPAs
C (91-100%) (Good Performance)
Allahabad Bank, Bank of Maharashtra, Vijaya Bank, Corporation Bank, Dena Bank, Indian Bank, Andhra Bank,
Punjab & Sind Bank.
Group
2010-2011
Highest GNPAs
A (1-70%) (Poor Performance)
State Bank of India, Bank of India, Punjab National Bank, Union Bank of India, Bank of Baroda, UCO Bank,
Indian Overseas Bank.
Medium GNPAs
B (71-90%) (Satisfactory Performance)
Canara Bank, IDBI Bank, Central Bank of India, Oriental Bank of Commerce, Allahabad Bank.
Lowest GNPAs
C (91-100%) (Good Performance)
United Bank of India, Vijaya Bank, Bank of Maharashtra, Andhra Bank, Dena Bank, Corporation Bank, Indian
Bank, Punjab & Sind Bank.
Group
2011-2012
Highest GNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Central Bank of India, Bank of India, Union Bank of India, IDBI
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Bank, Bank of Baroda.
Medium GNPAs
B (71-90%) (Satisfactory Performance)
UCO Bank, Canara Bank, Indian Overseas Bank, Syndicate Bank, United Bank of India.
Lowest GNPAs
C (91-100%) (Good Performance)
Allahabad Bank, Indian Bank, Andhra Bank, Vijaya Bank, Bank of Maharashtra, Corporation Bank, Dena
Bank, Punjab & Sind Bank.
Group
2012-2013
Highest GNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Bank of India, Central Bank of India, Bank of Baroda, UCO Bank,
Indian Overseas Bank.
Medium GNPAs
B (71-90%)(Satisfactory Performance)
IDBI Bank, Union Bank of India, Canara Bank, Allahabad Bank, Oriental Bank of Commerce, Andhra Bank.
Lowest GNPAs
C (91-100%) (Good Performance)
Indian Bank, Syndicate Bank, United Bank of India, Corporation Bank, Punjab & Sind Bank, Vijaya Bank,
Dena Bank, Bank of Maharashtra.
Group
2013-2014
Highest GNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Bank of Baroda, Bank of India, Central Bank of India, IDBI Bank,
Union Bank of India, Indian Overseas Bank.
Medium GNPAs
B (71-90%) (Satisfactory Performance)
Allahabad Bank, Canara Bank, United Bank of India, UCO Bank, Andhra Bank, Oriental Bank of Commerce,
Corporation Bank.
Lowest GNPAs
C (91-100%) (Good Performance)
Syndicate, Indian, BOM, Dena, P&SB, Vijaya
Group
2014-2015
Highest GNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Bank of India, Bank of Baroda, Indian Overseas Bank, Canara
Bank, Union Bank of India, IDBI Bank.
Medium GNPAs
B (71-90%) (Satisfactory Performance)
Central Bank of India, UCO Bank, Allahabad Bank, Corporation Bank, Andhra Bank, United Bank of India.
Lowest GNPAs
C (91-100%) (Good Performance)
Syndicate Bank, Bank of Maharashtra, Indian Bank, Dena Bank, Punjab & Sind Bank, Oriental Bank of
Commerce, Vijaya Bank.
Group
2015-2016
Highest GNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Bank of India, Bank of Baroda, Canara Bank, Indian Overseas
Bank, IDBI Bank, Union Bank of India.
Medium GNPAs
B (71-90%) (Satisfactory Performance)
Central Bank of India, UCO Bank, Allahabad Bank, Oriental Bank of Commerce, Corporation Bank, Syndicate
Bank, Andhra Bank.
Lowest GNPAs
C (91-100%) (Good Performance)
Bank of Maharashtra, United Bank of India, Indian Bank, Dena Bank, Vijaya Bank, Punjab & Sind Bank.
Group
2016-2017
Highest GNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Bank of India, Indian Overseas Bank, Canara Bank, Union Bank of
India, Central Bank of India.
Medium GNPAs
B (71-90%) (Satisfactory Performance)
Oriental Bank of Commerce, UCO Bank, Allahabad Bank, Andhra Bank, Syndicate Bank, Bank of
Maharashtra.
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Lowest GNPAs
C (91-100%) (Good Performance)
Corporation Bank, Dena Bank, United Bank of India, Indian Bank, Vijaya Bank, Punjab & Sind Bank.
Group
2017-2018
Highest GNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Bank of India, Bank of Baroda, IDBI Bank, Union Bank of India,
Canara Bank and Indian Overseas Bank.
Medium GNPAs
B (71-90%) (Satisfactory Performance) Central Bank of India, UCO Bank, Andhra Bank, Allahabad Bank, Oriental Bank of Commerce, Syndicate
Bank.
Lowest GNPAs
C (91-100%) (Good Performance)
Corporation Bank, Bank of Maharashtra, Dena Bank, Indian Bank, Punjab & Sind Bank, Vijaya Bank.
Appendix - D
Details of Group Ranking of select Indian Public Sector Banks as per percentage of Net Non-Performing Assets (NNPA) or Net Non-Performing Loans (NNPLs) for the period April
2007 to March 2018 - (Groups for studying the management and governance of select Banks from the cumulative (decreasing method) i.e. Group - A - 1-70 (Poor Performance), Group - B
-
71-90 (Satisfactory Performance) and Group - C - 91-100 (Good Performance).
Group
2007-2008
Highest NNPAs
A (1-70%) (Poor Performance)
State Bank of India, UCO Bank, IDBI Bank, Central Bank of India, Canara Bank.
Medium NNPAs
B (71-90%) (Satisfactory Performance)
Punjab National Bank, Syndicate Bank, Bank of India, Oriental Bank of Commerce, Bank of Baroda, Allahabad
Bank.
Lowest NNPAs
C (91-100%) (Good Performance)
Indian Overseas Bank, United Bank of India, Bank of Maharashtra, Dena Bank, Vijaya Bank, Union Bank of
India, Corporation Bank, Indian Bank, Punjab & Sind Bank, Andhra Bank.
Group
2008-2009
Highest NNPAs
A (1-70%) (Poor Performance)
State Bank of India, Canara Bank, Central Bank of India, Indian Overseas Bank.
Medium NNPAs
B (71-90%) (Satisfactory Performance)
IDBI Bank, UCO Bank, Syndicate Bank, Bank of India, United Bank of India, Bank of Baroda, Oriental Bank
of Commerce, Allahabad Bank.
Lowest NNPAs
C (91-100%) (Good Performance)
Union Bank of India, Dena Bank, Vijaya Bank, Bank of Maharashtra, Punjab National Bank, Corporation
Bank, Indian Bank, Andhra Bank, Punjab & Sind Bank.
Group
2009-2010
Highest NNPAs
A (1-70%) (Poor Performance)
State Bank of India, Bank of India, Indian Overseas Bank, Canara Bank, IDBI Bank, Punjab National Bank.
Medium NNPAs
B (71-90%) (Satisfactory Performance)
UCO Bank, Union Bank of India, Syndicate Bank, United Bank of India, Central Bank of India, Oriental Bank
of Commerce, Bank of Maharashtra.
Lowest NNPAs
C (91-100%) (Good Performance)
Bank of Baroda, Vijaya Bank, Allahabad Bank, Dena bank, Corporation Bank, Indian Bank, Punjab & Sind
Bank, Andhra Bank.
Group
2010-2011
Highest NNPAs
A (1-70%) (Poor Performance)
State Bank of India, Canara Bank, Punjab National Bank, Bank of India, Bank of India, UCO Bank, Union
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Bank.
Medium NNPAs
B (71-90%) (Satisfactory Performance)
IDBI Bank, Indian Overseas Bank, Syndicate Bank, Oriental Bank of Commerce, Central Bank of India, Bank
of India, United Bank of India, Vijaya Bank.
Lowest NNPAs
C (91-100%) (Good Performance)
Allahabad Bank, Bank of Baroda, Dena Bank, Corporation Bank, Indian Bank, Andhra Bank, Punjab & Sind
Bank.
Group
2011-2012
Highest NNPAs
A (1-70%) (Poor Performance)
State Bank of India, Central Bank of India, Punjab National Bank, Bank of India, Canara Bank, Union Bank of
India, IDBI Bank.
Medium NNPAs
B (71-90%) (Satisfactory Performance)
Oriental Bank of India, UCO Bank, Indian Overseas Bank, Bank of Baroda, Indian Bank, Syndicate Bank,
Allahabad Bank.
Lowest NNPAs
C (91-100%) (Good Performance)
United Bank of India, Vijaya Bank, Corporation Bank, Andhra Bank, Dena Bank, Punjab & Sind Bank, Bank
of Maharashtra.
Group
2012-2013
Highest NNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Bank of India, Canara Bank, Central Bank of India, Bank of
Baroda, Allahabad Bank, UCO Bank.
Medium NNPAs
B (71-90%) (Satisfactory Performance)
Indian Overseas Bank, Union Bank of India, IDBI Bank, Oriental Bank of Commerce, Andhra Bank, Indian
Bank.
Lowest NNPAs
C (91-100%) (Good Performance)
United Bank of India, Corporation Bank, Syndicate Bank, Punjab & Sind Bank, Dena Bank, Vijaya Bank, Bank
of Maharashtra.
Group
2013-2014
Highest NNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Bank of India, Central Bank of India, Bank of Baroda, Canara
Bank, Allahabad Bank, Indian Overseas Bank, Union Bank of India.
Medium NNPAs
B (71-90%) (Satisfactory Performance)
IDBI Bank, United Bank of India, Oriental Bank of Commerce, UCO Bank, Andhra Bank, Corporation Bank.
Lowest NNPAs
C (91-100%) (Good Performance)
Indian Bank, Syndicate Bank, Punjab & Sind Bank, Dena Bank, Bank of Maharashtra, Vijaya Bank.
Group
2014-2015
Highest NNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Bank of India, Indian Overseas Bank, Canara Bank, Bank of
Baroda, Union Bank of India, Central Bank of India, UCO Bank.
Medium NNPAs
B (71-90%) (Satisfactory Performance) IDBI Bank, Allahabad Bank, Oriental Bank of Commerce, Corporation Bank, Bank of Maharashtra, United
Bank of India, Syndicate Bank.
Lowest NNPAs
C (91-100%) (Good Performance)
Andhra Bank, Indian Bank, Dena Bank, Punjab & Sind Bank, Vijaya Bank.
Group
2015-2016
Highest NNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Bank of India, Canara Bank, Bank of Baroda, Indian Overseas
Bank, IDBI Bank, Union Bank of India.
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Vol. 4, No. 1 2020
Medium NNPAs
B (71-90%) (Satisfactory Performance) Central Bank of India, UCO Bank, Allahabad Bank, Oriental Bank of Commerce, Corporation Bank, Syndicate
Bank, Bank of Maharashtra.
Lowest NNPAs
C (91-100%) (Good Performance)
United Bank of India, Andhra Bank, Indian Bank, Dena Bank, Vijaya Bank, Punjab & Sind Bank.
Group
2016-2017
Highest NNPAs
A (1-70%) (Poor Performance)
State Bank of India, Punjab National Bank, Bank of India, IDBI Bank, Canara Bank, Indian Overseas Bank,
Union Bank of India, Bank of Baroda, Central Bank of India.
Medium NNPAs
B (71-90%) (Satisfactory Performance) Oriental Bank of Commerce, Allahabad Bank, Corporation Bank, Bank of Maharashtra, UCO Bank, Syndicate
Bank.
Lowest NNPAs
C (91-100%) (Good Performance)
Andhra Bank, United Bank of India, Indian Bank, Punjab & Sind Bank, Vijaya Bank.
Group
2017-2018
Highest NNPAs
A (1-70%) (Poor Performance)
State Bank of India, Union Bank of India, Bank of Baroda, Indian Overseas Bank.
Medium NNPAs
B (71-90%) (Satisfactory Performance) Central Bank of India, Oriental Bank of Commerce, UCO Bank, Corporation Bank, Syndicate Bank, Andhra
Bank, Allahabad Bank.
Lowest NNPAs
C (91-100%) (Good Performance)
United Bank of India, Bank of Maharashtra, Dena Bank, Indian Bank, Vijaya Bank, Punjab & Sind Bank.
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