Krishnan Sitaraman, Senior Director of Crisil Ratings believes the gap between GNPL and weak assets - assets that ideally should have been part of NPL but not recognised in that category –will reduce gradually during the next fiscal.
According to market expert Prakash Diwan, the fact that ICICI Bank is virtually into every spectrum of lending, it gets impacted in the downturn much more severely than some of the other private sector banks which have niches which they have carved out.
Gross non-performing loans and commentary on equipment finance will be key parameters to monitor. Equipment finance merger is likely to be completed by Q4FY16. Hence, reported standalone GNPL may be only from commercial vehicle business.
Gross NPLs will improve going forward and will be in 3.75-4 percent range by this year-end, said Sharad Sharma, MD of State Bank of Mysore.
Gauri Shankar, MD & CEO, Punjab National Bank (PNB) spoke to CNBC-TV18 post quarterly result announcement.
Key factors to watch out for are slippages from restructured book. Fresh resturcing is seen to be at Rs 5500- Rs 6000 crore in Q4. Fresh restructuring could be higher due to forbearance ending.
The net profit for State Bank of Travancore in Q4 is at Rs 192 crore v/s Rs 48.6 crore on year on year basis and the net interest income for Q4 is at Rs 581crore against Rs 615 crore on year on year basis.