The details of Gross Advances, Gross Non-Performing Assets (GNPA)+ Restructured Advances and Gross NPA + Restructured Advances ratio of Scheduled Commercials Banks (SCBs) for last three years are as under:

SCHEDULED COMMERCIAL BANKS (Rs. In crore)
	GROSS ADVANCES	GROSS NPA + RESTRUCTURED ADVANCES	GNPA + RESTRUCTURED ADVANCES RATIO
FY 2014	61,01,775	6,08,967	9.98%
FY 2015	66,91,204	7,28,925	10.89%
FY 2016	72,73,202	8,32,786	11.45%

Main reasons for increase in NPAs of banks are slowdown in recovery in the global economy and continuing uncertainty in the global markets leading to lower exports of various products like textiles, engineering goods, leather, gems, etc. The PSB’s continue to be under stress on account of aggressive lending in the past. 

NITI Aaayog has not moved any proposal to create a bad bank to hold the stresses and non-productive assets and loan recovery of banks. 

This was stated by Shri Santosh Kumar Gangwar, Minister of State in the Ministry of Finance in written reply to a question in Rajya Sabha.

Non-performing assets rise in banks due to export slowdown and legacy aggressive lending; no bad bank proposal advanced. Rise in non-performing assets is shown by increasing Gross NPA plus restructured advances ratios for scheduled commercial banks over three years, indicating deterioration in asset quality. Contributing factors include slowing global demand and uncertainty causing reduced exports across several sectors and legacy stress from earlier aggressive lending by public sector banks. The central planning body has not proposed creation of a bad bank to hold stressed assets, according to a ministerial written reply.