As seen from an updated table below, standard restructured assets continuously exceeded the gross NPAs since 2010:  BIS central bankers’ speeches  1  On top of that a rating agency has estimated that restructured standard assets may increase sharply to reach Rs. 3,25,000 crore by March 2013. Public sector banks bear a disproportionate burden of the restructured loans.
Gross NPA ratio, which was hitherto the main financial ratio to gauge the level of impairment in the banking sector assets, is now being complemented with the ratio of restructured standard advances to gross advances as a measure of latent impairment of the banking sector’s financial assets.