Profit, losses, GNPAs of Public Sector Banks

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Asset Quality Review (AQR) carried-out in 2015 for clean and fully provisioned bank balance-sheets revealed high incidence of NPAs. Expected losses on stressed loans, not provided for earlier under flexibility given to restructured loans, were reclassified as NPAs and provided for. PSBs initiated cleaning-up by recognising NPAs and provided for expected losses. The gross NPA ratio for Public Sector Banks (PSBs) as a category is 14.6% in the financial year (FY) 2017-18, as per Reserve Bank of India (RBI) data. In the last 25 financial years, the gross NPA ratio for PSBs was highest in FY 1993-94 at 24.8% and was also higher in six other financial years.

Bank-wise details of gross NPAs as of March 2018, and operating profit, provision done and net profit/loss in FY 2017-18, are given below.

Amounts in crore Rs.

S. No.

Bank

As on 31.3.2018 *

FY 2017-18 **

Gross NPA ratio (%)

Operating profit

Provisioning done

Net profit

(amounts with a minus sign are losses) ***

1

Allahabad Bank

16.0

3,438

8,113

-4,674

2

Andhra Bank

17.1

5,361

8,774

-3,413

3

Bank of Baroda

12.3

12,006

14,437

-2,432

4

Bank of India

16.6

7,139

13,183

-6,044

5

Bank of Maharashtra

19.5

2,191

3,337

-1,146

6

Canara Bank

11.8

9,548

13,770

-4,222

7

Central Bank of India

21.5

2,733

7,838

-5,105

8

Corporation Bank

17.4

3,950

8,004

-4,054

9

Dena Bank

22.0

1,171

3,094

-1,923

10

IDBI Bank Limited

28.0

7,905

16,142

-8,238

11

Indian Bank

7.4

5,001

3,742

1,259

12

Indian Overseas Bank

25.3

3,629

9,929

-6,299

13

Oriental Bank of Commerce

17.6

3,703

9,575

-5,872

14

Punjab & Sind Bank

11.2

1,145

1,889

-744

15

Punjab National Bank

18.4

10,294

22,577

-12,283

16

State Bank of India

10.9

59,511

66,058

-6,547

17

Syndicate Bank

11.5

3,864

7,087

-3,223

18

UCO Bank

24.6

1,334

5,771

-4,436

19

Union Bank of India

15.7

7,540

12,787

-5,247

20

United Bank of India

24.1

1,025

2,479

-1,454

21

Vijaya Bank

6.3

3,098

2,371

727