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Non-performing asset

Unable to pay a loan? Worry not, here is what you can do

Unable to pay a loan? Worry not, here is what you can do

Tue, Jul 17, 2018

Just speak to your bank if facing trouble in repaying loan. Yes, that is the first step. A loan turns into a Non-Performing Asset (NPA) if the customer fails to pay either the interest or part of the principal or both.

RBI warns of more NPA pain, sees bad loans topping 10% by March

RBI warns of more NPA pain, sees bad loans topping 10% by March

Fri, Jun 30, 2017

Level of GNPAs of large borrowers increased between September 2016 and March 2017, their restructured standard advances declined during the same period resulting in a reduction of total stressed advances by 1.8%.

RBI's NPA resolution move is credit positive, Moody's says

RBI's NPA resolution move is credit positive, Moody's says

Mon, Jun 19, 2017

The Reserve Bank of India's (RBI) move last week to resolve 12 borrowers responsible for a quarter of total non-performing assets (NPAs) of Indian banks is credit positive, ratings agency Moody's Investors Services said on Monday.

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Banks would have to wait more before seeing revival in asset quality

Banks would have to wait more before seeing revival in asset quality

Thu, Jun 08, 2017

NPAs are the primary issue in Indian banking system presently. A host of moves have been taken by RBI and government but these problems are far from over.

Framework under NPA ordinance by RBI may be out within 15 days

Framework under NPA ordinance by RBI may be out within 15 days

Tue, May 23, 2017

Framework under NPA ordinance by RBI may be out within 15 days. Watch the full segment for more details.

LIC earns total investment income of Rs 1.80 lakh crore in FY17

LIC earns total investment income of Rs 1.80 lakh crore in FY17

Sun, May 21, 2017

LIC has earned a total investment income of Rs 1,80,117 crore in FY17 through investment in government bonds and state development loans, interest, corporate bond interest, dividend income and profits on sale of equity.

Addressing NPAs of Bank: Insolvency & Bankruptcy code to play major role in resolution

Addressing NPAs of Bank: Insolvency & Bankruptcy code to play major role in resolution

Thu, May 18, 2017

With the government and the Reserve Bank of India (RBI) deciding to first tackle the top-50 large stressed assets into the banking universe, corporate insolvency will emerge as a credible solution for resolution bad assets.

Macro economic data has reached new heights in last 3 years, says HDFC's VC & CEO Keki Mistry

Macro economic data has reached new heights in last 3 years, says HDFC's VC & CEO Keki Mistry

Tue, May 16, 2017

HDFC's VC and CEO Keki Mistry in an one-on-one interview with Zee Business said that India is poised to be amongst the most significant economic countries in the world along with China and US.

Solving NPA problem is a long process, RBI first needs to discipline banks

Solving NPA problem is a long process, RBI first needs to discipline banks

Wed, May 10, 2017

A Moody's Investor Services report said, "Both the measures aim to motivate banks to be more proactive in NPL resolution as well as improve co-ordination among banks. For instance, RBI can now direct banks to undertake a plan of action for specific assets if it feels that banks are not taking the prudent approach."

Can RBI solve stressed assets problem alone?

Can RBI solve stressed assets problem alone?

Fri, Apr 21, 2017

The Reserve Bank of India (RBI) has brought in new reforms to tackle banks' long hanging problem of “stressed assets.” Stressed assets arise after adding into non-performing assets (NPA), restructured loans and written off assets.

Farm loan waiver affects credit discipline: RBI

Farm loan waiver affects credit discipline: RBI

Thu, Mar 23, 2017

On March 15, Bhattacharya had expressed reservation over assurances and demand for complete farm loans waiver, coming from different quarters. The following day, Congressmen staged a protest outside the SBI headquarters at Nariman Point in Mumbai to protest.

Mutual Fund's exposure to bank stocks hit record Rs 1.16 lakh crore in Jan

Mutual Fund's exposure to bank stocks hit record Rs 1.16 lakh crore in Jan

Sun, Feb 26, 2017

"We could be getting close to the bottom of the NPAs (non-performing assets) cycle, valuations were not that expensive, hence funds could have preferred buying into the sector," Quantum Mutual Fund Associate Fund Manager Equity Nilesh Shetty said.

RBI's Viral Acharya says immediate need to resolve bad loans

RBI's Viral Acharya says immediate need to resolve bad loans

Wed, Feb 22, 2017

"Since the RBI initiated the Asset Quality Review (AQR) of banks in the second half of 2015, it appears that possibly up to a sixth of public sector banks’ gross advances are stressed (non-performing, restructured or written-off), and a significant majority of these are in fact non-performing assets (NPAs)," said Acharya.

IDBI Bank approves divestment of its non-core business

IDBI Bank approves divestment of its non-core business

Tue, Feb 21, 2017

IDBI Bank in a BSE filing said, "The board of directors has approved in-principle, the proposal to divest some of its non-core investment subject to compliance with all applicable laws and regulations and subject to final approval to be obtained for each transaction by delegated authority."

RBI extends loan up to Rs 2 lakh against gold

RBI extends loan up to Rs 2 lakh against gold

Sat, Feb 18, 2017

The Reserve Bank has doubled the quantum of loan against gold that could be granted by Regional Rural Banks (RRBs) to Rs 2 lakh, provided the repayment period does not exceed 12 months. Earlier, the RRBs were permitted to grant gold loans up to Rs 1 lakh with bullet repayment option.

Allahabad Bank reports net profit of Rs 75 crore in Q3

Allahabad Bank reports net profit of Rs 75 crore in Q3

Mon, Feb 13, 2017

Net interest income for the quarter stood at Rs 1183.31 crore, declining by 16.44% year-on-year (YoY) and 12.31% quarter-on-quarter (QoQ).

IFCI sets NPA recovery target of Rs 600 cr for Q4 FY17

IFCI sets NPA recovery target of Rs 600 cr for Q4 FY17

Sun, Feb 12, 2017

"We intend to achieve targeted figure as we have identified 2-3 asset sales during the balance period of this fiscal," IFCI Deputy Managing Director Sanjeev Kaushik told PTI.

RBI's Acharya says NPA problem require significant recapitalisation of banks

RBI's Acharya says NPA problem require significant recapitalisation of banks

Wed, Feb 08, 2017

Acharya added, "There is a need for speedy and efficient resolution of stressed assets as it probably could help in restoring the utilisation capacity in this sector while further creating healthy investment in the system and at the same time would also support banks to again start lending in the same sectors again."

India's twin balance sheet problem and a bad bank solution

India's twin balance sheet problem and a bad bank solution

Tue, Jan 31, 2017

The Economic Survey 2016-17 pointed out at a problem of twin balance sheet, or, over-leveraged India Inc and bad-loans laden public sector banks (PSBs). More than four fifths of NPAs (bad loans) were in PSBs and reached double-digits of 12% as on September 31, 2016.

Public banks' shares tumble on Economic Survey's privatisation, PARA move

Public banks' shares tumble on Economic Survey's privatisation, PARA move

Tue, Jan 31, 2017

To tackle the bad loans problem, the economic Survey 2016-17, has suggested creation of a centralised Public Sector Asset Rehabilitation Agency (PARA) that could take charge of the largest, most difficult cases, and make politically tough decisions to reduce debt.

Q3 review: Credit growth, weak NII, fee income to impact banking sector

Q3 review: Credit growth, weak NII, fee income to impact banking sector

Tue, Jan 10, 2017

Systematix said, "We expect banks’ pre-provisioning profits to rise a modest 7.7% yoy (-14.2% qoq). However, due to lower NPA provisioning yoy, we expect our banking universe to see the net profit rising 54.9% yoy in 3QFY17e."

Asset quality issue: Indian banks' profitability and capital requirement to remain under pressure, says Moody's

Asset quality issue: Indian banks' profitability and capital requirement to remain under pressure, says Moody's

Mon, Jan 09, 2017

Alka Anbarasu, a Moody's Vice President said, "Asset quality will remain a negative driver of the credit profiles of most rated Indian banks and the stock of impaired loans. Non-performing loans (NPLs) and standard restructured loans will still rise during the horizon of our outlook."

SC asks Centre to give details of recovery cases filed by banks

SC asks Centre to give details of recovery cases filed by banks

Tue, Jan 03, 2017

The Supreme Court today asked the Centre to give details of recovery cases filed by banks and financial institutions and those pending in debt recovery tribunals and their appellate bodies for the last ten years.

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