Dun & Bradstreet India’s Leading BFSI Companies 2017

GNPA and Restructured Standard Advances to Total Advances

GNPA growth (y-o-y in %)

10 12 14 16

10 20 30 40 50 60 70 80 90

4.9

3.9

0 2 4 6 8

0.3

9.6

7.6

1.8

4.2

-20 -10 0

2.7

FY13

FY14

FY15

FY16

Public Sector Bank Private Sector Banks Foreign Sector Banks

All SCBs

Public Sector Bank

Private Sector Bank

Foreign Banks

All SCBs

Restructured standard advances to total advances

GNPA to total advances

Source: RBI data and Dun & Bradstreet Research

Amongst the major sectors, the industrial sector showed a steep rise in the GNPA ratio at 11.9%, followed by agriculture, services and retail sectors with GNPA ratio as 6.0%, 5.8% and 1.8% respectively during FY16.

Asset quality in major sectors (y-o-y growth %)

15

11.9

10

6.0

5.8

5

1.8

0

Agriculture

Industries

Services

Retail

FY13 FY14 FY15 FY16

Source: RBI data and Dun & Bradstreet Research

Profitability Due to enforcement of balance sheet cleaning activities like risk provisions and write-offs, return on assets (RoA) declined sharply to 0.4% in FY16 from 0.8% in FY15. On similar lines, return on equity reduced to 4.8% in FY16 from 9.3% in FY15.

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