Let us look at some of statistical trends in restructured advances in the last few years. From the data available with RBI (Table 1), it is observed that between March 2009 and March 2012, while total gross advances of the banking system grew at a compound annual growth rate of less than 20 per cent, restructured standard advances grew by over 40 per cent.
Resultantly, the proportion of Restructured Standard Advances to Gross Total Advances increased from 3.45 per cent in March 2011 to 4.68 per cent in March 2012. 20. A further analysis of data suggests distinct trends in restructured accounts in public sector banks and in private sector and foreign banks.