Asset Quality

A review of data from 12 leading PSU banks reveals that most lenders have reported their lowest or near-lowest slippage level in over a year, with some hitting multi-year lows.

Treasury gains propel SBI profit in Q1 FY26

The bank’s valuation remains the main attraction

Worsening asset quality in Q1FY26 pulls down Axis Bank’s GDR by 4%

The asset quality of the bank deteriorated in April-June quarter on sharp increase in the gross slippages due to technical impact. The gross and net non-performing asset ratio of the bank increased by 30 basis points (Bps) and 15 bps, respectively, on a yearly basis.

State-owned banks beat private lenders in CASA ratio for first time in a decade

As stress persists for banks on the deposit mobilisation front, a few banks have tapped the short-term debt market to raise funds through certificates of deposits.

Being South-based helped us manage asset quality issues better: Sadaf Sayeed, MD & CEO, Muthoot Microfin

Kerala, Tamil Nadu, Karnataka contribute almost 49 per cent of the loan book. We have just entered Andhra and Telangana, which is also contributing to further growth. In these areas, the collection efficiency is much higher.

Early asset quality unease must keep bank investors on alert beyond Q2

Q2 would just be a peak in the quality of the loan book, but investors must closely watch the upcoming quarters

Banks provide over Rs 18 lakh crore in 12 years to post record-low NPA levels

As per the analysis of the 25 state-owned and private banks, gross NPA ratios of Bank of India, Indian Bank, Punjab & Sind Bank, Federal Bank and Union Bank of India reduced to lowest since 2014, while IDBI Bank, Indian Overseas Bank, UCO Bank, among others reported lowest level of NPA vis-a-vis their best seen in FY11- FY13.

ICICI Bank Q1 FY25: consistent performance, re-rating to continue

Profit surge aided by a growth in advances, contained operating expenses, and a decline in credit costs

Poonawalla Fincorp shares jump 4% on improving asset-quality metrics

The company said that its gross NPA achieved a significant milestone below 1 percent and net NPA below 0.5 percent as of May 31, 2024

Better asset quality, rising AUM aided profitability of NBFCs in Jan-March quarter, say experts

Asset quality of the most lenders in the January-March quarter have reported an improvement, with stage 3 loans coming down.

Banks' overdue SMA-2 loans rise in Q4 even as overall asset quality improves

According to the Moneycontrol’s analysis of 16 banks, 11 banks have reported an uptick in SMA 2 loans, whereas other 5 seen a decline.

SBI – solid FY24, offers favourable risk-reward

The bank recorded the highest-ever profit while loan growth was healthy

HDFC Bank says credit environment in economy remains healthy, asset quality stable

The bank’s year-on-year financial results are not comparable due to the merger with the parent entity HDFC Ltd during the year.

Icra revises downwards banking sector outlook to stable on credit growth moderation in FY25

The agency said the credit growth will moderate to 11.6-12.5 per cent in FY25 from 16.3 per cent (excluding the impact of the HDFC twins merger) in FY24, while the lower net interest income margins on higher deposit rate payouts will lead to a dip in profits.

As credit card spends rise 26% YoY in February, analysts remain watchful of banks' asset quality

Around 1.1 million credit card net issuances were done in February, with HDFC Bank leading from the banking pack

SMA-2 loans of banks reduce, NPAs fall in third quarter, indicating better asset quality

A Moneycontrol study shows that six out of 10 banks analysed, showed a fall in the number of loans in the SMA Category 2. A majority of banks also showed a reduction in NPAs.

Banks’ asset quality report reaffirms investor confidence, experts see valuation comfort

Banks gross non-performing (GNPA) ratio fell to a fresh decadal low of 3.2 percent at the end of September 2023, while consolidated balance sheets expanded by 12.3 percent in FY23, as per the RBI’s latest report

Banks see mixed trend in SMA 2 loans in Q2FY24; most witness deterioration

In the July-September quarter, the country’s largest state-owned lender, State Bank of India, reported a fall in SMA category loans to Rs 1,784 crore, as on September 30, 2023, compared to Rs 1,921 crore a year ago.

Banks see pressure on NIMs but asset quality improves

The net profit of banks on an average jumped by 66 percent in the July-September FY24 quarter. NIMs of some major banks contracted in the reporting quarter

YES Bank Q2 earnings : Net profit rises over 47% to Rs 225.21 cr

On sequential basis, net profit falls over 34 percent.

HDFC Bank falters on profit growth in the first quarter, post merger

The long-term profitability picture will only be clear once the merger dynamics fully play out

Banks’ asset quality to improve in FY24 on low net slippages and write-offs, says ICRA

The GNPA and NNPA of the banking sector is expected to improve at around 2.8 to 3 percent and 0.8 to 0.9 percent respectively.

Indian banks write-off Rs 34,428 crore in Q1 FY24

PSU bank account for 80 percent of the total write-off in the reporting quarter, with private banks accounting for the remaining.

South Indian Bank Q1 Results: Net profit at Rs 202.3 cr, asset quality healthy

South Indian Bank Q1: The net NPA of the lender for the quarter stood at 1.85 percent, declining from 1.86 percent on a yearly basis

CSB Bank Q1 Results: Net profit rises 16% to Rs 132 crore, asset quality healthy

CSB Bank Q1 Results: The bank’s net NPA for the quarter stood at 0.32 percent, declining from 0.60 percent on a yearly basis