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Markets

Porinju Veliyath praises RBI, Shaktikanta Das on X as asset quality of banks improves in H1FY24

After the Reserve Bank of India announced that the asset quality of banks has shown significant improvement in the first half of FY24, market expert Porinju Veliyath took to X (formerly Twitter) to praise the central bank on achieving this extraordinary feat.

2 min read29 Dec 2023
Videos

Here’s How Banks Recovered Bad Loans, NPA’s Worth 10 Lakh Crs In 9 Years | Details

According to the Reserve Bank data, Scheduled Commercial Banks (SCBs) have done aggregate recovery of ₹10,16,617 crore during the last nine financial years. According to the Central Repository of Information on Large Credits the total funded amount outstanding of SCBs to corporate company borrowers, which was classified as NPA and had an amount outstanding of ₹1,000 crore or more was ₹1,03,975 crore as on March 31, 2023.

27 Jul 2023
Videos

What Does RBI’s Financial Stability Report Reveal? | Mint Primer | Mint

RBI’s Financial Stability Report (FSR) reveals the gross non-performing assets (GNPA) ratio has been gradually trending downwards from 9.3% in September 2019 to a seven-year low at 5.0% in September 2022, while net non-performing assets have dropped to a 10-year low of 1.3% of total assets. The stress tests in RBI’s Financial Stability Report showed that banks are capable of absorbing shocks even under adverse situations. Let’s do an in-depth analysis of the report to determine its trend, the policy actions that have been helpful, and what can be done to make things even better.

5 Feb 2023
Money

As banks can now sell ‘fraud loans’, what does this mean for Indian banks

Instead of making 100 per cent provisions for ‘fraud’ loans, banks can now transfer loans to asset reconstruction companies for a lower price. Let us decode how this is set to reform the banking landscape of India.

2 min read15 Dec 2021
Markets

As Puri’s tenure ends, HDFC Bank holds on to its historic profitability

The corporate loan book of HDFC Bank expanded by an eye-popping 26.5% in the September quarterThe retail loan book seemed to be the only scar from covid. It showed one of its lowest growths ever

2 min read18 Oct 2020
Industry

Gross NPAs of banks may jump to 11.5% by end of FY21: Care Rating

The gross NPAs ratio of Indian banks is likely to be 11 to 11.5% by end of current fiscal and they are likely to restructure 4 to 5% of the overall bank credit outstanding, according to Care Rating

1 min read14 Oct 2020
News

RBI seeks vacation of SC stay on classification of NPA accounts

Reserve Bank warns SC’s stay order will have huge implications for the banking system if it is not lifted immediatelyCentre rules out further relief measures under loan moratorium scheme in Supreme Court affidavit

3 min read10 Oct 2020
Markets

Truth on asset quality lies beyond the bad loan figure of lenders

Restructuring may involve a moratorium of two years on repayments and therefore an elongated repayment schedule. Ergo, banks end up forgoing interest income, thereby dragging down their core income for the period

2 min read8 Oct 2020
Industry

Economic recovery key to limiting Indian banks’ loan losses: Fitch

Fitch says the one-time restructuring exercise of loans could leave the sector saddled with a high bad-loan burden over the next few years if restructured loans do not perform according to agreed milestones

1 min read6 Oct 2020
Industry

Banks must automate NPA recognition by 30 June: RBI

Central bank raps lenders for resorting to manual identification of stressed accounts

1 min read15 Sep 2020
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Budget

The Union Budget contains details about the estimated receipts and the expenditure of the government for a particular fiscal year. The Budget is allotted for the upcoming fiscal year, which runs from 1st April to 31st March of the next year. Here is a quick guide on how the Union Budget is prepared

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