|
Closing Balance
20,048.20
18,133.70
17,322.00
In compliance with regulations governing the presentation of financial information by banks, we report non-performing
assets net of cumulative provision and interest suspended in our financial statements. Recovery in respect of non-
performing advances is allocated first toward principal and thereafter against interest.
255
Sector-wise Analysis of Gross Non-Performing Assets
The following table sets forth, as of the dates indicated, the classification of our gross non-performing assets/priority and o
ther sectors.
(Rs. in million, except percentages)
S
ep
t.
05
M
ar.05
Mar.04
Mar.03
Mar.02
Mar.01
Sector
G
r.
Ad
v.
G
r. NPA
G
r.
G
r.
Ad
v.
Gr. NPA
G
r.
G
r.
Ad
v.
G
r. NPA
G
r.
G
r.
Ad
v.
G
r. NPA
G
r.
G
r.
Ad
v.
G
r. NPA
G
r.
G
r.
Ad
v.
Gr. NPA
G
r.
NPA%
NPA%
NPA%
NPA%
NPA%
NPA%
I. Priority Sector
Agriculture
52
,8
24
.6
0
4,
361.60
8.26
44
,4
03
.3
0
4,
451.80
10
.0
3
30
,193.80
5,
096.00
16
.8
8
31
,989.60
5,
916.40
18
.4
9
26
,8
77.80
6,
46
0.
40
24
.0
4
25
,8
67.10
6,
525.60
25
.2
3
S
S
I
40
,5
65
.5
0
5,
406.80
13
.3
3
37
,1
40
.0
0
5,
827.50
15
.6
9
35
,106.90
6,
246.00
17
.7
9
34
,587.40
7,
363.70
21
.2
9
32
,8
37.40
7,
86
3.
40
23
.9
5
32
,3
54.70
7,
317.10
22
.6
2
O
th
er
s
52
,2
32
.1
0
3,
838.00
7.35
48
,6
14
.0
0
3,
522.70
7
.2
5
41
,231.20
3,
773.50
9.15
33
,513.60
3,
457.30
10
.3
2
26
,1
99.20
3,
97
1.
00
15
.1
6
21
,5
42.30
3,
641.40
16
.9
0
Total Priority
Se
ct
or
14
5,
622.20
13
,606.40
9.
34
13
0
,157.30
13
,802.00
10.60
10
6,
531.90
15
,115.50
14
.1
9
10
0,
091.00
16
,737.40
16
.7
2
85
,914.40
18
,294.80
21.29
79
,764.10
17
,484.10
21.92
II. Non Priority
Sector (NPS)
Large &
medium
industries
14
3
,164.20
13
,288.30
9.28
11
3
,6
47.50
13
,631.40
11
.9
9
95
,902.30
18
,8
83.70
19
.6
9
96
,113.90
17
,809.00
18
.5
3
97
,6
80.90
19
,3
23.40
19
.7
8
58
,0
93.00
16
,255.60
27
.9
8
Trade & others
68
,9
04
.9
0
3,
497.40
5.08
71
,1
05
.0
0
3,
524.40
4
.9
6
59
,017.00
3,
706.50
6.28
51
,671.10
4,
263.10
8
.2
5
50
,8
01.20
4,
42
5.
80
8
.7
1
65
,4
92.70
4,
793.90
7
.3
2
Psus
67
,0
15
.2
0
658.80
0.98
61
,5
45
.3
0
657.10
1
.0
7
51
,073.70
283.80
0.56
63
,627.70
290.10
0
.4
6
70
,4
97.90
510.80
0
.7
2
51
,2
28.30
557.10
1
.0
9
To
ta
l N
PS
27
9,
084.30
17
,444.50
6.
25
24
6
,297.80
7,
812.90
7.
23
205
,993.00
22
,874.00
11
.1
0
21
1,
413.00
22
,362.20
10
.5
8
21
8,
980.00
24
,260.00
11.08
17
4,
814.00
21
,606.60
12.36
Domestic
Advances
42
4
,706.50
31
,050.90
7.31
37
6
,4
55.10
31
,614.90
8
.4
0
31
2
,524.90
37
,989.50
12
.1
6
31
1
,503.00
39
,099.60
12
.5
5
30
4,
894.40
42
,554.80
13
.9
6
25
4,
578.10
39
,090.70
15
.3
6
Intl. Advances
85
,7
18
.5
0
1,
298.60
1.51
78
,8
36
.1
0
160.32
2
.0
3
65
,809.10
1,
809.10
2.75
66
,705.40
2,
579.40
3
.8
7
57
,4
97.00
2,
33
8.
10
4
.0
7
42
,0
09.60
2,
766.50
6
.5
9
Total_21,944.10_18.07_9,189.62_26,145.31_19.96_10,277.78_(Rs._in_million,_except_percentages)'>Total Gross
Advances
510
,425.00
32
,349.50
6.
34
45
5
,291.20
33
,218.10
7.
30
37
8,
334.00
39
,798.60
10
.5
2
37
8,
209.00
41
,679.00
11
.0
2
36
2,
391.40
44
,892.90
12.39
29
6,
587.70
41
,857.20
14.11
Note: This data is based on information compiled by respective departments.
256
BANK OF BARODA
The following tables sets forth, as of the dates indicated, the classification of our gross non-performing assets by industry
sector.
(Rs. in million, except percentages)
March 31, 2001
March 31, 2002
Industry
NPA
% NPA to
Provision
NPA
% NPA to
Provision
total
total
industry
industry
O/s.
O/s.
Coal
18.59
2.08
4.56
24.07
2.00
4.73
Mining
413.75
37.64
157.63
408.91
29.05
189.01
Iron & Steel
1,429.98
9.24
586.34
2,385.83
14.77
672.77
Metals & Metal Prod
1,263.88
26.06
622.39
1,256.72
21.85
643.41
All Engineering
1,948.95
18.63
709.24
1,837.30
17.79
684.11
Textiles
5,584.19
28.00
2,420.33
5,901.52
28.89
2,455.38
Sugar
390.01
13.15
226.07
459.07
13.37
74.51
Tea
24.89
8.77
7.60
25.06
5.90
8.05
Food Processing
941.88
20.28
373.35
1,019.13
24.75
374.64
Veg Oils & Vanasp
110.66
12.12
41.52
129.60
11.07
41.79
Tobacco & Products
12.02
9.06
4.55
12.74
7.76
4.80
Paper & Products
584.96
21.32
242.34
1,369.80
39.44
414.44
Rubber & Prod
483.42
30.16
234.93
428.26
25.64
254.50
Chemicals, Dyes Paints,
Fertilizers, Pharma
4,668.81
19.84
2,331.49
4,739.43
16.90
1,999.77
Cement
533.65
30.96
235.14
529.85
26.34
234.22
Leather & Prod
287.45
29.80
133.77
269.44
31.08
150.73
Gems & Jewellery
388.63
8.70
107.89
430.96
10.30
74.32
Construction
192.20
15.72
69.50
213.57
12.56
60.41
Automobiles
943.16
21.58
235.68
955.36
25.66
388.58
Computer Software
86.81
30.70
25.15
86.28
19.69
27.17
Infrastructure
175.01
3.14
64.53
164.97
2.18
76.47
Other Industries
1,461.20
11.03
355.66
3,497.42
27.43
1,444.00
Total
21,944.10
18.07
9,189.62
26,145.31
19.96
10,277.78
(Rs. in million, except percentages)
March 31, 2003
March 31, 2004
Industry
NPA
% NPA to
Provision
NPA
% NPA to
Provision
total
total
industry
industry
O/s.
O/s.
Coal
21.36
2.02
6.58
19.65
3.41
6.06
Mining
300.18
22.05
126.87
252.53
17.87
89.92
Iron & Steel
2,300.44
16.39
851.76
2,014.80
14.06
775.15
Metals & Metal Prod
1,433.86
27.37
819.55
1,294.57
24.09
742.68
All Engineering
2,072.33
18.63
832.11
2,442.00
25.20
1,195.30
Textiles
5,157.61
24.26
2,439.13
4,309.92
18.29
1,791.31
257
(Rs. in million, except percentages)
March 31, 2003
March 31, 2004
Industry
NPA
% NPA to
Provision
NPA
% NPA to
Provision
total
total
industry
industry
O/s.
O/s.
Sugar
382.52
10.93
216.86
203.59
5.22
136.03
Tea
20.74
12.13
6.25
18.92
11.83
7.96
Food Processing
1,287.62
32.32
556.50
1,202.77
29.07
507.42
Veg Oils & Vanasp
826.82
55.61
446.55
596.74
38.70
393.62
Tobacco & Products
13.40
10.53
4.90
10.17
7.56
3.73
Paper & Products
1,149.00
35.64
409.49
1,025.91
24.29
510.50
Rubber & Products
362.05
20.44
251.32
315.67
18.30
253.69
Chemicals, Dyes Paints,
Fertilizers, Pharma
5,079.88
18.21
2,964.93
6,617.48
30.43
3,043.71
Cement
509.67
27.22
233.39
460.47
22.57
327.78
Leather & Prod
208.10
26.59
115.03
71.25
10.73
32.68
Gems & Jewellery
518.81
10.62
215.94
187.71
5.33
60.25
Construction
179.15
7.80
45.30
123.45
4.76
48.81
Automobiles
347.83
11.94
179.69
264.31
8.96
117.96
Computer Software
92.15
15.58
30.54
83.75
18.40
26.45
Infrastructure
185.26
2.19
90.25
157.37
1.22
81.17
Other Industries
3,378.18
24.20
1,555.19
3,539.97
25.09
1,686.72
Total
25,826.94
19.57
12,398.13
25,212.97
19.13
11,838.90
(Rs. in million, except percentages)
March 31, 2005
September 30, 2005
Industry
NPA
% NPA to
Provision
NPA
% NPA to
Provision
total
total
industry
industry
O/s.
O/s.
Coal
4.21
0.60
1.37
4.15
0.52
0.62
Mining
209.12
10.70
125.02
136.43
6.88
74.36
Iron & Steel
984.98
6.07
463.38
903.62
4.31
527.02
Metals & Metal Products
1,261.89
18.10
799.86
1,199.61
15.24
783.43
All Engineering
2,167.86
23.85
1,031.91
1,953.54
21.35
929.83
Textiles
4,466.91
16.63
2,011.49
4,611.42
15.31
2,258.71
Sugar
80.80
2.31
58.59
69.80
2.99
50.81
Tea
18.53
15.51
9.02
18.23
13.44
11.01
Food Processing and Beverages
1,011.60
26.33
546.76
1,069.72
18.79
574.24
Veg Oils & Vanasp
561.45
31.01
397.09
606.80
36.21
435.36
Tobacco & Products
6.12
4.88
2.80
5.91
3.78
3.21
Paper & Products
373.64
7.29
172.82
382.15
8.58
184.51
Rubber & Products
116.32
6.53
80.67
118.13
6.53
94.35
258
BANK OF BARODA
(Rs. in million, except percentages)
March 31, 2005
September 30, 2005
Industry
NPA
% NPA to
Provision
NPA
% NPA to
Provision
total
total
industry
industry
O/s.
O/s.
Chemicals, Dyes Paints,
Fertilizers, Pharma
3,851.16
18.25
2,801.46
3,604.89
12.35
2,664.56
Cement
465.96
22.87
405.15
431.68
21.18
365.31
Leather & Products
62.58
7.01
28.60
70.66
8.00
35.06
Gems & Jewellery
175.03
3.90
74.56
119.84
2.05
35.89
Construction
63.95
2.90
31.78
64.10
2.69
39.37
Automobiles
206.71
5.44
138.66
101.95
2.36
63.47
Computer Software
29.84
8.25
13.92
29.06
7.10
14.34
Infrastructure
336.71
0.99
104.61
315.60
0.70
120.98
Other Industries
2,996.62
20.67
1,629.62
2,906.85
21.15
1,727.13
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