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  • Crisil says NBFC stressed assets may hit Rs 1.5-1.8 lakh crore by end of FY21 Feb 16, 2021 03:47 PM IST

    Crisil says NBFC stressed assets may hit Rs 1.5-1.8 lakh crore by end of FY21

    However, the one-time COVID-19 restructuring window, and the micro, small and medium enterprises (MSME) restructuring scheme offered by the Reserve Bank of India (RBI) will limit the reported gross non-performing assets (GNPAs).

  • ICICI Bank Q3: Is the worst over for lender on bad loans front? Jan 30, 2021 07:14 PM IST

    ICICI Bank Q3: Is the worst over for lender on bad loans front?

    The Economic Survey 2021 warned that yet another round of asset quality review is required to assess the actual extent of NPAs in the system.

  • If you default on one loan, your other borrowings from the same bank too may become NPAs Jan 28, 2021 02:56 PM IST

    If you default on one loan, your other borrowings from the same bank too may become NPAs

    This is because the Reserve Bank of India rules require banks to follow NPA classification at a borrower level and not at a product level.

  • Axis Bank to classify home loans of credit card defaulters as non-performing loans: Report Jan 28, 2021 12:19 PM IST

    Axis Bank to classify home loans of credit card defaulters as non-performing loans: Report

    Axis bank is making provisions from its earnings, but proceedings may yet not be initiated due to the SC order which has stayed NPAs during the pandemic

  • Write-offs are distinct from waivers. They are not a sign of crony capitalism. Jan 04, 2021 01:01 PM IST

    Write-offs are distinct from waivers. They are not a sign of crony capitalism.

    There is no debt forgiveness in loan write-offs. It is an accounting practice followed by banks

  • Very few borrowers seek loan restructuring, big fear of NPAs unfounded, says SBI report Nov 11, 2020 06:47 PM IST

    Very few borrowers seek loan restructuring, big fear of NPAs unfounded, says SBI report

    According to the report, only about Rs one lakh crore worth corporate loans may opt for debt restructuring as against the earlier estimate of Rs 7 lakh crore

  • Yes Bank in talks with ARCs to sell NPAs worth over Rs 32,000 crore: Report Nov 03, 2020 12:52 PM IST

    Yes Bank in talks with ARCs to sell NPAs worth over Rs 32,000 crore: Report

    The move comes after the private lender sold bonds held in DHFL to raise Rs 500 crore and reduce exposure to the troubled NBFC

  • Loan moratorium: SC allows Centre to waive interest on interest, asks for action plan; here's what RBI said in court Oct 14, 2020 06:15 PM IST

    Loan moratorium: SC allows Centre to waive interest on interest, asks for action plan; here's what RBI said in court

    The had announced a moratorium on repayment of term deposits for 3 months citing COVID-19 pandemic in March. Later it was extended till August 31 to give borrowers more time to clear payments of EMIs, without being classified as NPAs.

  • Banks' NPAs in large industry, services fall 31% in over two years to Rs 4.36 lakh crore Sep 14, 2020 06:28 PM IST

    Banks' NPAs in large industry, services fall 31% in over two years to Rs 4.36 lakh crore

    "As per Reserve Bank of India (RBI) data on domestic operations, NPAs of scheduled commercial banks pertaining to large industry and services have come down to Rs 4,36,492 crore as on June 30, 2020 (provisional) from Rs 6,35,971 crore as on March 31, 2018, registering a decline of 31 percent," Thakur said in a written reply to the Lok Sabha.

  • Explainer | SC stops the NPA clock for now: What does it mean for banks? Sep 03, 2020 07:40 PM IST

    Explainer | SC stops the NPA clock for now: What does it mean for banks?

    The SC’s order may give temporary relief to those corporate borrowers who are on the verge of a default. The next hearing will be on September 10

  • Loan moratorium over, what's next for banks? Sep 01, 2020 03:27 PM IST

    Loan moratorium over, what's next for banks?

    India’s GDP collapsed 24 per cent in the first quarter. The sharp contraction indicates the impact on the banking sector will be huge

  • NPAs: Functional autonomy to banks is the way forward Aug 10, 2020 10:35 PM IST

    NPAs: Functional autonomy to banks is the way forward

    A ray of hope can be ascribed to the fact that now with improved capitalisation of public sector banks, there could be a decline in contagion losses to the financial system.

  • Analysis | Urjit Patel’s scathing attack on RBI, UPA for the NPA mess: 3 critical insights Jul 20, 2020 12:11 PM IST

    Analysis | Urjit Patel’s scathing attack on RBI, UPA for the NPA mess: 3 critical insights

    Reasons for India’s NPA crisis are well known. However, this is probably the first time a former RBI governor has launched such a scathing attack on the central bank criticising the inefficiency and laxity to monitor the build-up of bad loans in the system.

  • Top five private banks stare at NPAs doubling to 5% in FY21 Jul 10, 2020 07:23 PM IST

    Top five private banks stare at NPAs doubling to 5% in FY21

    These five banks-- HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, IndusInd Bank and Yes Bank--collectively control a quarter of the system and three-fourths of the private banking space, according to a report by India Ratings on Friday.

  • Cabinet approves six-month IBC holiday for NPAs; what will be the impact on banks? Jun 03, 2020 03:44 PM IST

    Cabinet approves six-month IBC holiday for NPAs; what will be the impact on banks?

    This will be applicable for NPAs (non-performing assets) after March 25. This was one of the proposals Finance Minister Nirmala Sitharaman had announced in her series of press conferences on the Rs 20 lakh crore economic package.

  • Forced lending to cripple banks; NPAs to soar by up to 600 bps in 2 years: Fitch Ratings May 28, 2020 05:45 PM IST

    Forced lending to cripple banks; NPAs to soar by up to 600 bps in 2 years: Fitch Ratings

    The impact of forced lending on banks' impaired-loan ratios can be anywhere between 200 and 600 basis points (bps), depending on the severity of stress and banks' individual risk exposures and the higher regulatory provisions, Fitch Ratings said in the report on Thursday.

  • So far, PSBs are the unsung heroes in Rs 20 lakh crore stimulus package. But who will rescue them? May 14, 2020 07:05 PM IST

    So far, PSBs are the unsung heroes in Rs 20 lakh crore stimulus package. But who will rescue them?

    Collateral-free loans carry a risk of companies misusing the government scheme in collusion with local bank officials and politicians.

  • Coronavirus pandemic: To prevent NPAs, government needs to infuse specific fund related capital Apr 16, 2020 01:58 PM IST

    Coronavirus pandemic: To prevent NPAs, government needs to infuse specific fund related capital

    For credit flow to remain smooth, public-sector banks need to be recapitalised adequately or issue a promise of capital, so that the banks are able to provide for the impending surge in NPAs

  • RBI wants to punish weaker banks that are perennially sick. But how far can it go? Jan 08, 2020 01:20 PM IST

    RBI wants to punish weaker banks that are perennially sick. But how far can it go?

    While ‘auctioning’ a distressed bank is a bit of a stretch, RBI could very well consider playing the role of a matchmaker to merge weak banks with stronger ones.

  • Bad loans of banks may rise to 9.9% by September 2020: RBI Dec 27, 2019 06:44 PM IST

    Bad loans of banks may rise to 9.9% by September 2020: RBI

    "This is primarily due to change in macroeconomic scenario, marginal increase in slippages and the denominator effect of declining credit growth," the central bank noted.

  • Cheaper loans likely for discoms to clear green energy dues: Report Dec 04, 2019 04:11 PM IST

    Cheaper loans likely for discoms to clear green energy dues: Report

    The loans would be sanctioned to states at cost plus a nominal fee to clear dues worth Rs 67,237 crore owed to gencos till August-end.

  • More trouble for banks, bad loans under Mudra Kishore soar 107% in 6 months: Report Nov 28, 2019 10:45 AM IST

    More trouble for banks, bad loans under Mudra Kishore soar 107% in 6 months: Report

    Geared towards non-farm income-generating activities, lack of due diligence and poor monitoring of these loans is the latest worry for the already stressed banking sector.

  • Banks must closely monitor Mudra loans to keep check on NPAs: RBI Deputy Governor MK Jain Nov 26, 2019 02:51 PM IST

    Banks must closely monitor Mudra loans to keep check on NPAs: RBI Deputy Governor MK Jain

    Jain said that microfinance institutions must broaden their client outreach.

  • Banking wrap: SBI, ICICI Bank report lesser bad loan accretion; slowdown concerns remain Oct 27, 2019 09:58 AM IST

    Banking wrap: SBI, ICICI Bank report lesser bad loan accretion; slowdown concerns remain

    Axis Bank, Kotak Mahindra Bank expect higher slippages, Bandhan Bank looks to ramp up home loan portfolio

  • No "witch hunt" in future for genuine decisions: Government to banks Sep 11, 2019 05:22 PM IST

    No "witch hunt" in future for genuine decisions: Government to banks

    MoS Finance Anurag Thakur said that banks should treat the Insolvency and Bankruptcy Code as the last resort for resolution of stressed assets and approach the NCLT only when other options have been explored.

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