For coming to a conclusion, you will have to look at all banks GNPAs and writeoffs, its a mere academic exercise without comparing it with peers and multiplying the GNPA with number would not reach to accurate gnpa.
Its a standard practice - a gnpa which cant be recovered needs to be written off, while being gnpa, its already accounted out of PnL by providing for it.
So all writeoffs are actually coming out of profits and hence ROE will remain lower. While if RoE is higher, consider writeoffs as lower than profit generated and hence reserves are getting accumulated.
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