Below is the NPA and restructured asset position of the 2 domestic systemically important banks : SBI and ICICI Bank
SBI has been transparent identifying the accounts as impaired assets. The SBI proforma should be insisted upon by by SEBI/ RBI as it clearly depicts what an investor needs to know on the actual health of the portfolio.
100 crores = 1 billion.
$ 1= Rs.66.5 approximately
This blog recommends no investment or divestment. Views expressed here are without any risk or responsibility.
SBI has been transparent identifying the accounts as impaired assets. The SBI proforma should be insisted upon by by SEBI/ RBI as it clearly depicts what an investor needs to know on the actual health of the portfolio.
SBI
Rs. crores
|
Sep 15
|
Jun 15
|
Mar 15
|
Dec 14
|
Sep 14
|
Gross Advances
|
13,70,701
|
13,13,735
|
13,35,424
|
12,65,483
|
12,42,63
|
Gross NPAs
|
56,834
|
56,421
|
56,725
|
61,991
|
60,712
|
Net NPAs
|
28,592
|
28,669
|
27,591
|
34,469
|
32,997
|
Restructured Standard
|
53,452
|
55,954
|
55,843
|
46,542
|
43,962
|
Total Gross NPAs plus Restructured Std.
|
1,10,286
|
1,12,375
|
1,12,568
|
1,08,533
|
1,04,674
|
Gross NPA + Restructured Standard to Gross Adv. %
|
8.04
|
8.55
|
8.43
|
8.58
|
8.42
|
Net NPA + Restructured Standard to Gross Adv. %
|
5.98
|
6.44
|
6.25
|
6.40
|
6.19
|
SBI: Analyst Presentation. https://www.sbi.co.in/portal/documents/44589/14455961/Analyst+Presentation+Q2FY16.pdf/07cdd09c-4607-420b-90bb-a64e541d0b20
2. ICICI BANK
as of September 30,
2015 Rs. crores
Advances
|
409,692.65
|
Gross non-performing advances (net of write-off)
|
15,857.82
|
Net non-performing advances % of gross non-performing advances (net
of write-off) to gross advances
|
6,759.29
|
% Gross NPA
|
3.77%
|
Net NPA ratio was at
|
1.65%
|
Gross NPA additions of
|
2242
|
(Slippages of from the standard restructured category to the
non-performing asset category including ).
|
(931)
|
The net restructured loans for the Bank were Rs. crores
|
11,
868
|
Total impaired assets of ICICI may thus be in region of Rs. 27725 crores. on the basis of above figures. This seems to keep impaired assets at around 6.75 %, even allowing for 'net' restructured assets as given out by ICICI.
http://www.icicibank.com/managed-assets/docs/investor/quarterly-financial-results/2016/2015-10-Q2-2016-PR2.pdf
http://www.icicibank.com/managed-assets/docs/investor/quarterly-financial-results/2016/2015-10-Q2-2016-analyst-call-transcript.pdf
100 crores = 1 billion.
$ 1= Rs.66.5 approximately
This blog recommends no investment or divestment. Views expressed here are without any risk or responsibility.
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