Are Indian banks camouflaging NPA ? Case Study 3

Indian Bank's NPA Reduction is largely on account of technical write offs?

Gross NPAs opg.	5670.44	5815.15
Fresh NPAs	496.36	547.04
Reduction	351.65	589.41
Gross NPA closing	5815.15	5772.78
Gross advances	124998.32	125291.64
Gross NPA as % to GA	4.65%	4.61%
Cash /comp. recovery	122.95	222.85
Upgradation	47.59	6.53
Tech. write off/write off/Exch.diff.	181.11	360.03

 http://www.indian-bank.com/pdfs/fin/sep15/PresentationonPerformanceoftheBank30092015

Q2 15-16: Case Study of DENA Bank        

Gross NPAs Rs In Crores	5,282.62
Gross Credit	77,204.38
Gross NPA as % of Gross Advances	6.84
Net NPA	3,493.45
Net NPA as % of Net Advances	4.65
Slippage into NPA  Advances  during half year 2015 Rs In Crores	1,540.91

Total Restructured Assets position as on 30.09.2015

Amount  Rs Crores

10,379.56

http://www.denabank.com//uploads/files/1448100424077-Analyst%20PPT_FinalFinalRevisedRevised2pm_Sept15.pdf

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