CRAR and Net NPA of Export Import Bank of India from 2012-13 to 2014-15

CRAR is the acronym for capital to risk weighted assets ratio, a standard metric to measure balance sheet strength of banks. Capital to Risk Weighted Assets Ratio (CRAR) is a measure of capital of a bank.

Non Performing Assets (NPA) is an asset which has become non performing i.e. it ceases to generate income for the bank. Net NPA is computed as follows: Gross NPA – (Balance in Interest Suspense account + DICGC of ECGC claims received and held pending adjustment + Part payment received and kept in suspense account + Total provisions held).

Capital to Risk Assets Ratio (CRAR) (%) of Export Import Bank of India (EXIM) was 15.28% during 2012-13. It decreased to 14.32% during 2013-14 showing a decrease of -0.96 percentage points as compared to 2012-13. Capital to Risk Assets Ratio (CRAR) (%) of Export Import Bank of India increased to 15.34% during 2014-15 showing a growth of 1.02percentage points as compared to 2013-14. Thus, there is an improvement in this parameter during the period of 2012-13 to 2014-15.

Net NPA (%) of Export Import Bank of India (EXIM) was 0.47% during 2012-13. It decreased to 0.43% during 2013-14 showing a decrease of -0.04percentage points as compared to 2012-13. Net NPA (%) of Export Import Bank of India increased to 0.6% during 2014-15 showing a growth of 0.17percentage points as compared to 2013-14. Thus, there is deterioration in this parameter during the period of 2012-13 to 2014-15, as assets (i.e. advances/loans) quality has impaired.

Note: Figures of Gross Loans Outstanding (A), Gross borrowings outstanding (B), Guarantee Portfolio (C), Total Business [(A) + (B) + (C)], Paid-up Capital, Net Worth, Profit Before Tax (PBT), Profit After Tax (PAT), Balance of Profit transferred to GOI, Business per employee and Profit After Tax per employee are in Rs Crores.