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Measuring Banks Health NPA Ratio

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Below Are The Banks And their NPA Ratios i could find.  1. NPA ratio, Ratio of bad loans to total loans. 7% or lower is better. 2. MCAP ratio. Market Capitalization Ratio. 2 or lower is better. Guidelines, 1. Open and manage multiple accounts. 2. Savings up to Rs 5,00,000 per account holder is insured. 3. Scheduled commercial bank, is still your best bet. 4. Co-op banks, Post office accounts, LIC deposits are NOT regulated and NOT insured. From Care Ratings ,as of SEP-2019 17 of the 36 banks had NPA ratio of above 10% in June 2019. Of them 16 were PSBs and only 1 was a private bank. Three of the PSBs had NPA ratio of above 20% (IDBI, UCO and IOB).   3 PSBs had NPA ratios of less than 10% - SBI, Indian Bank and Canara Bank. 3 private banks had NPA of less than 2% and 8 had between 2-5% and 5 between 5-10% Comparing NPA in private banks to Public banks, as of SEP-2019. Data As of 2016 from here . Banks like PNB have already failed and this is...
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Gross NPA as of Mar-01-2020

https://data.gov.in/resources/bank-wise-gross-npa-public-sector-banks-2014-2019-ministry-finance Bank GNPA - 30.6.2014 GNPA - 31.3.2017 GNPA - 31.3.2019 % age increase between 31.3.2017 and 31.3.2019 Allahabad Bank 7599 20520 28698 0.3985 Andhra Bank 6827 17670 28974 0.6397 Bank of Baroda 10641 34935 40388 0.1561 Bank of India 11160 42724 51167 0.1976 Bank of Maharashtra 3761 17189 15324 -10.85 Canara Bank 7905 31801 36165 0.1372 Central Bank of India 11449 27251 32356 0.1873 Corporation Bank 5470 17045 20724 0.2158 Dena Bank 3169 12619 12768 0.0118 IDBI Bank Limited 10762 38223 NA NA Indian Bank 4415 9588 13156 0.3721 Indian Overseas Bank 8781 32521 32416 -0.33 Oriental Bank of Commerce 5983 22859 21717 -5 Punjab and Sind Bank 3010 6298 8606 0.3665 Punjab National Bank 19335 53121 76724 0.4443 State Bank of India (SBI) 56830 105549 170813 0.6183 State Bank of Bik...
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TheFreePassToLargeBadBorrowers

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The ACTUAL recovery rate for bad loans thus far is less than 14%.  1. A loan magnate establishes a company and borrows 100 crore, in the name of company. 2. The 100 crore is borrowed , for the COMPANY , with assets worth a market value of Rs 40 crore.  3. The asset is sold to Asset Reconstruction Companies(ARC) for Rs 14 crore.  4. The asset reconstruction company is often co-owned by the same loan magnate. 5. Hair cut due to "over assessment" is 60 crore and hair cut due to bankruptcy is 26 crore. The loan magnate, in total gets away with Rs 86 crore. Example : 1. Synergies Doorey had the recovery rate of 6 % in which financial creditors could recover only Rs 54.7 crore out of total claims of Rs 972.2 crore. ABYSMAL RECOVERY of 14% , at ABYSMAL RATE 7%, and becoming WORSE.
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The-Never-Ending-List-Of-Defaulters

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First Defaulters List Jun-2017. 1. Just 12 companies are estimated to account for 25% of the total NPA, and were identified for immediate bankruptcy proceedings2. NPA , as of now 9.5 lakh crore. The Second List Please refer MIA's list of defaulting company before investing in stock market. Also ensure, your mutual funds do not have this company in its fund list. Link to view Defaulter Companies List starting with [A-F] and Others   (492KB) Link to view Defaulter Companies List starting with [G-L]   (343KB) Link to view Defaulter Companies List starting with [M-R]   (433KB) Link to view Defaulter Companies List starting with [S-Z]   (433KB Wilful defaults Borrowers Names Infogram
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RewardingTheWolvesThatAteTheSheep

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Rewarding the wolves that ate the sheep. #IndiaNPA.#IndianFinancialCrisis. 80,000 crore injected. Public sector banks that caused large bad loans are cheering and in-fact the banks that created the highest percentage of bad loans won a jack pot. Take IDBI for example which has 24.11% bad loans. In short out of every Rs. 100 in loans Rs 24 is NOT recoverable. The net bad loan is higher than the value of the bank. Check out . IDBI got Rs 10,000 crore, without any disciplinary action on its managing director. Checkout here .
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Stressed Assets In March 2018 are expected to be at Rs 11.5 lakh crore (From 8 lakhCrore in 2017)

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The Stressed Assets in March 2018 Is Expected to be At 11.5 lakh Crore From 8 Lakh Crore in 2017 1. The 2lakh crore was injected with the expectation that NPA will be lower. 2.   However rather strangely, it increased by 19% and is expected to increase an additional 24% by Mar-2018. 3. SBI is the lead banker in six out of the12 large NPAs with total outstanding loan of ₹1.75 lakh crore. 4. Previously it was predicted to be at 9.5 lakh crore but now it is predicted to be at 11.5 lakh crore. 5. The current level of NPA, is higher than the capacity of the ARC(Asset Reconstruction Companies) can handle.
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NPADegradation

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The Rise And Rise Of Stressed Loans 1. Stressed assets have been consistently rising for at least the past five years. 2.   Rs9.64 trillion stressed assets choking the Indian banking system. 3. Despite a slew of schemes launched by the Reserve Bank of India (RBI), this growing pile of toxic debt continues to elude resolution. 4.  According to the RBI’s December Financial Stability Report, large borrowers (the central bank defines these as debtors to whom lenders have an exposure of at least Rs5 crore) account for 56% of bank debt and 88% of their NPAs. PSB Share Of NPA Among the banks that own large NPA's 18 out of 20 banks are public sector banks and own 87% of total NPAs. According to the RBI's Financial Stability Report,  1. The industry's gross bad loans are at a 14-year high. 2. The asset quality of large borrowers deteriorated significantly. 3. The International Monetary Fund's Global Financial Stability report also indicated the same pr...
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