NPA OF VARIOUS BANKS
Net NPA ratio in % |
| Bank group | ‘07-08 | ‘08-09 | ‘09-10 | ‘10-11 | ‘11-12 |
All scheduled
commercial banks | 1.00 | 1.05 | 1.12 | 0.97 | 1.28 |
Public sector banks
(Including SBI group) | 0.99 | 0.94 | 1.10 | 1.09 | 1.53 |
| SBI and its associates | 1.43 | 1.47 | 1.50 | 1.49 | 1.76 |
| Private banks | 1.09 | 1.29 | 1.03 | 0.56 | 0.46 |
| Foreign banks | 0.77 | 1.81 | 1.82 | 0.67 | 0.61 |
| Source: RBI |
| Highlights: |
- Net NPA levels highest in last 5 years
- SBI group has 21.77 % of total deposits
- SBI group has 22.7% of total advances
- SBI group’s net NPA ratio is 1.76% compared with 1.28% of total banking system
- Bank offices increased by 5,664 in 2011-12
- 24.07% interest income growth compared with 15.31% advance growth
- 12.98 % deposit growth compared with 30.56 % growth in interest expended
- Cost of funds after declining for two years have risen substantially by 115 basis points in 2011-12
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