Advances and NPAs of SBI Group by Priority Sector

Gross Advances
4,600
4,500
4,400
4,300
4,200
4,100
4,000
3,900
3,800
3,700
3,600
2013

Gross Advances

2014

2015

Interpretation:
In the above graph we can observe that Gross Advances in the year 2013 was Rs.3899 (in
billions), while in the year 2014 it appreciated to Rs.4482 (in billions), wherein the difference is
Rs.583 (in billions), which was a huge difference. When we compare the 2014 and 2015 year
Gross Advances there was a difference of Rs.101 (in billions), which has decreased.

Advances and NPAs of SBI Group by Priority Sector

Gross NPAs
266
264
262
Gross NPAs

260
258
256
254
252
2013

2014

2015

Interpretation:
In the above graph we can observe that Gross NPAs in the year 2013 was Rs.264(in billions),
while in the year 2014 it depreciated to Rs.261 (in billions). When we compare the 2014 and
2015 year Gross Advances there was a difference of Rs.4 (in billions), which has decreased and
there is consistent fall in it.

Advances and NPAs of SBI Group by Priority Sector

Gross NPAs as Per Cent of Total

50.0
45.0
40.0
35.0
30.0
25.0
20.0
15.0
10.0
5.0
0.0
2013

Gross NPAs as Per

Cent of Total

2014

2015

Interpretation:
In the above graph we can observe that Gross NPAs Percentage of Total in the year 2013 was
44.1% while in the year 2014 it depreciated to 34.4%, wherein the difference is 9.7%. When we
compare the 2014 and 2015 year Gross Advances there was a difference of 1.8% which has
increased but overall it has reduced which is a good sign for SBI Group.

Advances and NPAs of SBI Group by Non Priority Sector

Gross Advances
12,000
10,000
8,000

Gross Advances

6,000
4,000
2,000
0
2013

2014

2015

Interpretation:
In the above graph we can observe that Gross Advances in the year 2013 was Rs.8599 (in
billions), while in the year 2014 it appreciated to Rs.9463 (in billions), wherein the difference is
Rs.864 (in billions), which was a huge difference. When we compare the 2014 and 2015 year
Gross Advances there was a difference of Rs.1002 (in billions), which has increased.

Advances and NPAs of SBI Group by Non Priority Sector

Gross NPAs
600
500
400

Gross NPAs

300
200
100
0
2013

2014

2015

Interpretation
In the above graph we can observe that Gross NPAs in the year 2013 was Rs.335 (in billions),
while in the year 2014 it appreciated to Rs.499 (in billions), wherein the difference is Rs.164 (in
billions), which was a huge difference. When we compare the 2014 and 2015 year Gross
Advances there was a difference of Rs.47 (in billions), which has decreased.

Advances and NPAs of SBI Group by Non Priority Sector

Gross NPAs as Per Cent of Total

68.0
66.0
64.0
62.0

Gross NPAs as Per

Cent of Total

60.0
58.0
56.0
54.0
52.0
50.0
2013

2014

2015

Interpretation
In the above graph we can observe that Gross NPAs Percentage of Total in the year 2013 was
55.9% while in the year 2014 it appreciated to 65.6%, wherein the difference is 9.7%. When we
compare the 2014 and 2015 year Gross Advances there was a difference of 1.8% which has
decreased and its good sign for the SBI Group.

Advances and NPAs of SBI Group by Priority and NonPriority Sectors

Gross Advances
16,000
15,000
14,000
Gross Advances

Amount (Billions) 13,000

12,000
11,000
2013 2014 2015

Years

Gross NPAs

Amount (Billions)

800
700
600
500
400
300
200
100
0
2013

Gross NPAs

2014

Years

Interpretation

2015

In the above graphs we can see that Gross Advances has been consistently increasing from 2013
to 2015 by SBI Group. When we see the other graph, in the year 2013 the Gross NPA was
Rs.600 (billions), while in the year 2014 it was Rs.760(billions) but in the year 2015 it
decreased to Rs.709(billions) which is good sign for SBI Group.

Advances and NPAs of Private Banks by Priority Sector

5,000
4,500
4,000
3,500
3,000
Amount (Billions) 2,500
2,000

Gross Advances

1,500
1,000
500
0
2013

2014

Years

2015

Interpretation
In the above graph we can observe that Gross Advances in the year 2013 was Rs.3157 (in
billions), while in the year 2014 it appreciated to Rs.3831 (in billions),wherein the difference is
Rs.674 (in billions), which was a huge difference. When we compare the 2014 and 2015 year
Gross Advances there was a difference of Rs.613 (in billions),which has increased.

Advances and NPAs of Private Banks by Priority Sector

80
70
60
50
Amount (Billions) 40
30

Gross NPAs

20
10
0
2013

2014
Years

2015

Interpretation
In the above graph we can observe that Gross NPAs in the year 2013 was Rs.52 (in billions),
while in the year 2014 it appreciated to Rs.61 (in billions), wherein the difference is Rs.9 (in
billions), which was a huge difference. When we compare the 2014 and 2015 year Gross
Advances there was a difference of Rs.11(in billions), which has increased.

Advances and NPAs of Private Banks by Priority Sector

27.0
26.0
25.0
24.0
Amount (Billions)

23.0

Gross NPAs as Per

Cent of Total

22.0
21.0
20.0
2013

2014

2015

Years

Interpretation
In the above graph we can observe that Gross NPAs Percentage of Total in the year 2013 was
26% while in the year 2014 it appreciated to 26.6%, wherein the difference is 0.6%. When we
compare the 2014 and 2015 year Gross Advances there was a difference of 3.8% which has
decreased and its a good sign for the public sector banks.

Advances and NPAs of Private Banks by Non Priority Sector

Gross Advances
12,000
10,000
8,000
Amount (Billions)

Gross Advances

6,000
4,000
2,000
0
2013 2014 2015
Years

Interpretation
In the above graph we can observe that Gross Advances in the year 2013 was Rs.7309 (in
billions), while in the year 2014 it appreciated to Rs.8287 (in billions), wherein the difference is
Rs.978(in billions), which was a huge difference. When we compare the 2014 and 2015 year
Gross Advances there was a difference of Rs.1655 (in billions), which has increased.

Advances and NPAs of Private Banks by Non Priority Sector

Gross NPAs
300
250
200
Gross NPAs

Amount (Billions) 150

100
50
0
2013

2014

2015

Years

Interpretation
In the above graph we can observe that Gross NPAs in the year 2013 was Rs.148 (in billions),
while in the year 2014 it appreciated to Rs.167 (in billions), wherein the difference is Rs.19 (in
billions), which was a huge difference. When we compare the 2014 and 2015 year Gross
Advances there was a difference of Rs.77 (in billions), which has increased.

Advances and NPAs of Private Banks by Non Priority Sector

Gross NPAs as Per Cent of Total

78.0
77.0
76.0

Gross NPAs as Per

Cent of Total

75.0
74.0
73.0
72.0
71.0
2013

2014

2015

Interpretation
In the above graph we can observe that Gross NPAs Percentage of Total in the year 2013 was
74% while in the year 2014 it depriciated to 73.4%, wherein the difference is 0.6%. When we
compare the 2014 and 2015 year Gross Advances there was a difference of 3.8%which has
increased and its not a good sign for the public sector banks.

Advances and NPAs of SBI Group by Priority and NonPriority Sectors

Gross Advances
16,000
14,000
12,000
10,000
Amount (Billions) 8,000
6,000
4,000
2,000
0
2013 2014 2015
Years

Gross Advances

Gross NPAs
350
300
250
200
Amount (Billions) 150

Gross NPAs

100
50
0
2013

2014

2015

Years

Interpretation
In the above graphs we can see that Gross Advances has been consistently increasing from 2013
to 2015 and it is a sign of danger for the public sector banks. When we see the other graph, in the

year 2013 the Gross NPA was Rs.200 (billions), while in the year 2014 it was Rs.227(billions)
but in the year 2015 it increased to Rs.316(billions).