RBI looking at business models of banks more closely: Shaktikanta Das
Deficiencies in a bank's business model can spark a crisis in due course, says RBI governor.
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December 2021
IDFC First's low-cost deposits swell despite rate cut from 7% to 4%
Deposits touch ₹66,498 crore on the back of 88% CAGR in four years.
Yes Bank to transfer stressed assets worth ₹48,000 cr to JC Flowers by November-end
In July, the private lender selected JC Flowers for the sale of its stressed loans after a consortium of Cerberus Capital and Asset Reconstruction Company of India (ARCIL) withdrew from the bid.
IBC’s Existential Problems
With liquidations surpassing resolutions, bankers need to look at alternatives to the bankruptcy code.
Bank NPAs: Stirred, But Not Paused
While NPAs have come off their FY18 peak, they still remain far from their all-time lows.
Welcome to ‘stressed’ PPP projects, the 2nd time round
Despite policy incentives and new PPP contract model to protect private partners from external and unforeseen factors, Ministry of Ports, Shipping and Waterways is saddled with many abandoned projects
Consumer Credit Growth At All-Time High
Restructured standard advances ratio, especially of services and retail loans, has shown a sharp increase in FY21 though. Some of these could turn into NPAs, adding to banks’ stress assets.
Bandhan Bank Q3 net profit soars 36% to ₹859 crore
The bank's gross non-performing assets (NPAs) surged to 10.81%.
Let ARCs shoulder NPAs, banks focus on credit creation
The ARCs, the quintessential bad banks, can help the commercial banks focus on underwriting good loans, supporting GDP growth.
Why stressed assets resolution tools need overhaul
Not just lack of regulations of private ARCs, continuous writing-off of NPAs and creation of new ones point to gross failures of the IBC and other mechanisms
