Capital First Strategy, Loan Growth and Profitability Trends
Section 4: Gross and Net NPA of the Bank have reduced over the last quarters.
These figures include the impact of the Supreme Court notification to stop NPA classification post August 31, 2020 till further orders. Without this impact
the GNPA as on 31 December 2020 would have been 4.18% and the NNPA would have been 2.04%.
GNPA
-
-
GNPA (Long Term Avg.)
NNPA
Proforma GNPA as of Dec-20: 4.18%
(for 4 quarters prior to COVID-19)
Due to moratorium related standstill, the NPA levels came down from the normalized level in Q1 and Q2 of FY21. After withdrawal
of Standstill the NPA levels went up in Q3 FY21. It is likely to come back to normalized levels in the next 2-3 quarters.
2.83%
2.66%
2.62%
2.60%
2.63%
1.35%
1.17%
1.23%
1.99%
1.62%
1.33%
0.94%
0.51%
0.43%
0.33%
Jun-19
Sep-19
Dec-19
Mar-20
Jun-20
Sep-20
Dec-20
Section 4: Assets Quality
155 bps higher due
to COVID from
Long Term Avg.
Though the NPAs
appear low, they are
not representative
because of COVID-19
related moratorium
and subsequent
impact of Supreme
Court order on non-
declaration of NPA
33
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