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Date : Sep 15, 2009

Table 70 : Non-performing Assets of Co-operative Banks

(Per cent of gross advances)
Year (End-March)	Urban Co-operative Banks (UCBs)	Rural Co-operative Banks
		Short-term Structure			Long-term Structure
		StCBs	DCCBs	PACS	SCARDBs	PCARDBs
1	2	3	4	5	6	7
1994-95	13.9	.	.	33.9	.	.
1995-96	13.0	.	.	34.7	.	.
1996-97	13.2	.	.	34.9	.	.
1997-98	11.7	12.5	17.8	35.3	18.6	16.5
1998-99	11.7	12.6	17.8	35.0	19.2	16.1
1999-00	12.2	10.7	17.2	35.4	18.7	20.0
2000-01	16.1	13.0	17.9	34.9	20.5	24.3
2001-02	21.9	13.4	19.9	32.5	18.5	30.2
2002-03	19.0	18.2	21.2	37.9	20.9	33.8
2003-04	22.7	18.7	24.0	36.8	26.7	35.8
2004-05	23.2	16.3	19.9	33.6	31.3	31.9
2005-06	18.9	16.8	19.7	30.4	32.7	35.6
2006-07	18.3	14.2	18.5	26.9	30.3	35.4
2007-08	16.4	12.7	18.7	.	23.0	43.3
StCBs State Co-operative Banks DCCBs District Central Co-operative Banks PACS Primary Agricultural Credit Societies SCARDBs State Co-operative Agriculture and Rural Development Banks PCARDBs Primary Co-operative Agriculture and Rural Development Banks Note : 1) Data for 2007-08 are provisional. 2) Data on short-term structure NPAs of PACS represents percentage of overdues to demand. 3) Prudential norms were made applicable to the UCBs since 1992-93, the StCBs and DCCBs since 1996-97 and SCARDBs and PCARDBs since 1997-98. Source : Reserve Bank for UCBs and NABARD for Rural Co-operative Banks (excluding PACS for which the source is NAFSCOB).

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