Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 150
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 150
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 151
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::index() - APP/Controller/ArtileDetailController.php, line 151
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 97
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

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        LATEST NEWS UPDATES | Corporates make 73% of public sector bank bad loans -Sunny Verma    </title>
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-The Indian Express

The Finance Ministry directed smaller PSBs to cut their corporate loan exposure to 25 per cent of their risk-weighted assets over the medium term and focus more on retail lending. 

Corporate loans corner the lion&rsquo;s share of rising..."/>
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-The Indian Express

The Finance Ministry directed smaller PSBs to cut their corporate loan exposure to 25 per cent of their risk-weighted assets over the medium term and focus more on retail lending. 

Corporate loans corner the lion&rsquo;s share of rising..." />
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                            <div align="justify">-The Indian Express<br /><br /><em>The Finance Ministry directed smaller PSBs to cut their corporate loan exposure to 25 per cent of their risk-weighted assets over the medium term and focus more on retail lending. <br /></em><br />Corporate loans corner the lion&rsquo;s share of rising bad loans in public sector banks while retail loans have a far superior track record when it comes to timely repayment, according to the latest available Reserve Bank of India data.<br /><br />Even as public sector banks lent about 37 per cent of their total credit to the industry sector, the corporate and industry loans accounted for over 73 per cent of the total non-performing assets (NPAs) of the banking sector in 2016-17, according to an analysis of the data by The Indian Express. Retail loans, which are 22.83 per cent of the overall credit, comprised only 3.71 per cent of the gross NPAs.<br /><br />Banking analysts say that factors such as business failure, inadequate risk assessment while sanctioning corporate credit and loan frauds by companies are some of the main reasons for the high level of NPAs in loans to industry given by the banks.<br /><br />In contrast, retail loans such as home loans, car loans and personal loans have a much better repayment track record. Loans to services and agriculture sector accounted for 13.21 per cent and 8.89 per cent respectively of the gross NPAs, the data shows.<br /><br />In absolute terms, out of Rs 6.41 lakh crore worth of total gross NPAs of PSU banks, Rs 4.70 lakh crore worth of NPAs were due to loans extended to industry as on March 31, 2017, the data shows. As for retail loans, Rs 23,795 crore worth of such loans turned into NPAs.<br /><br />To put PSU banks in order, the government initiated a plan in January to turn some of the smaller PSBs into national retail banks and regional retail banks, while limiting the corporate loans business primarily to large banks such as the State Bank of India, Punjab National Bank and Bank of Baroda.<br /><br />The Finance Ministry directed smaller PSBs to cut their corporate loan exposure to 25 per cent of their risk-weighted assets over the medium term and focus more on retail lending.<br /><br />Please <a href="http://indianexpress.com/article/business/banking-and-finance/corporates-make-73-of-public-sector-bank-bad-loans-5117898/" title="http://indianexpress.com/article/business/banking-and-finance/corporates-make-73-of-public-sector-bank-bad-loans-5117898/">click here</a> to read more. <br /></div>                                                           
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    <br><a href="http://indianexpress.com/article/business/banking-and-finance/corporates-make-73-of-public-sector-bank-bad-loans-5117898/" class="re" target="_blank">The Indian Express, 31 March, 2018, http://indianexpress.com/article/business/banking-and-finance/corporates-make-73-of-public-sector-bank-bad-loans-5117898/</a><div class="clear"></div>
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    <h1 class="cat-box-title">Corporates make 73% of public sector bank bad loans -Sunny Verma</h1>
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                            <div align="justify">-The Indian Express<br /><br /><em>The Finance Ministry directed smaller PSBs to cut their corporate loan exposure to 25 per cent of their risk-weighted assets over the medium term and focus more on retail lending. <br /></em><br />Corporate loans corner the lion&rsquo;s share of rising bad loans in public sector banks while retail loans have a far superior track record when it comes to timely repayment, according to the latest available Reserve Bank of India data.<br /><br />Even as public sector banks lent about 37 per cent of their total credit to the industry sector, the corporate and industry loans accounted for over 73 per cent of the total non-performing assets (NPAs) of the banking sector in 2016-17, according to an analysis of the data by The Indian Express. Retail loans, which are 22.83 per cent of the overall credit, comprised only 3.71 per cent of the gross NPAs.<br /><br />Banking analysts say that factors such as business failure, inadequate risk assessment while sanctioning corporate credit and loan frauds by companies are some of the main reasons for the high level of NPAs in loans to industry given by the banks.<br /><br />In contrast, retail loans such as home loans, car loans and personal loans have a much better repayment track record. Loans to services and agriculture sector accounted for 13.21 per cent and 8.89 per cent respectively of the gross NPAs, the data shows.<br /><br />In absolute terms, out of Rs 6.41 lakh crore worth of total gross NPAs of PSU banks, Rs 4.70 lakh crore worth of NPAs were due to loans extended to industry as on March 31, 2017, the data shows. As for retail loans, Rs 23,795 crore worth of such loans turned into NPAs.<br /><br />To put PSU banks in order, the government initiated a plan in January to turn some of the smaller PSBs into national retail banks and regional retail banks, while limiting the corporate loans business primarily to large banks such as the State Bank of India, Punjab National Bank and Bank of Baroda.<br /><br />The Finance Ministry directed smaller PSBs to cut their corporate loan exposure to 25 per cent of their risk-weighted assets over the medium term and focus more on retail lending.<br /><br />Please <a href="http://indianexpress.com/article/business/banking-and-finance/corporates-make-73-of-public-sector-bank-bad-loans-5117898/" title="http://indianexpress.com/article/business/banking-and-finance/corporates-make-73-of-public-sector-bank-bad-loans-5117898/">click here</a> to read more. <br /></div>                                                           
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    <br><a href="http://indianexpress.com/article/business/banking-and-finance/corporates-make-73-of-public-sector-bank-bad-loans-5117898/" class="re" target="_blank">The Indian Express, 31 March, 2018, http://indianexpress.com/article/business/banking-and-finance/corporates-make-73-of-public-sector-bank-bad-loans-5117898/</a><div class="clear"></div>
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The Finance Ministry directed smaller PSBs to cut their corporate loan exposure to 25 per cent of their risk-weighted assets over the medium term and focus more on retail lending. 

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    <h1 class="cat-box-title">Corporates make 73% of public sector bank bad loans -Sunny Verma</h1>
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                            <div align="justify">-The Indian Express<br /><br /><em>The Finance Ministry directed smaller PSBs to cut their corporate loan exposure to 25 per cent of their risk-weighted assets over the medium term and focus more on retail lending. <br /></em><br />Corporate loans corner the lion&rsquo;s share of rising bad loans in public sector banks while retail loans have a far superior track record when it comes to timely repayment, according to the latest available Reserve Bank of India data.<br /><br />Even as public sector banks lent about 37 per cent of their total credit to the industry sector, the corporate and industry loans accounted for over 73 per cent of the total non-performing assets (NPAs) of the banking sector in 2016-17, according to an analysis of the data by The Indian Express. Retail loans, which are 22.83 per cent of the overall credit, comprised only 3.71 per cent of the gross NPAs.<br /><br />Banking analysts say that factors such as business failure, inadequate risk assessment while sanctioning corporate credit and loan frauds by companies are some of the main reasons for the high level of NPAs in loans to industry given by the banks.<br /><br />In contrast, retail loans such as home loans, car loans and personal loans have a much better repayment track record. Loans to services and agriculture sector accounted for 13.21 per cent and 8.89 per cent respectively of the gross NPAs, the data shows.<br /><br />In absolute terms, out of Rs 6.41 lakh crore worth of total gross NPAs of PSU banks, Rs 4.70 lakh crore worth of NPAs were due to loans extended to industry as on March 31, 2017, the data shows. As for retail loans, Rs 23,795 crore worth of such loans turned into NPAs.<br /><br />To put PSU banks in order, the government initiated a plan in January to turn some of the smaller PSBs into national retail banks and regional retail banks, while limiting the corporate loans business primarily to large banks such as the State Bank of India, Punjab National Bank and Bank of Baroda.<br /><br />The Finance Ministry directed smaller PSBs to cut their corporate loan exposure to 25 per cent of their risk-weighted assets over the medium term and focus more on retail lending.<br /><br />Please <a href="http://indianexpress.com/article/business/banking-and-finance/corporates-make-73-of-public-sector-bank-bad-loans-5117898/" title="http://indianexpress.com/article/business/banking-and-finance/corporates-make-73-of-public-sector-bank-bad-loans-5117898/">click here</a> to read more. <br /></div>                                                           
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    <br><a href="http://indianexpress.com/article/business/banking-and-finance/corporates-make-73-of-public-sector-bank-bad-loans-5117898/" class="re" target="_blank">The Indian Express, 31 March, 2018, http://indianexpress.com/article/business/banking-and-finance/corporates-make-73-of-public-sector-bank-bad-loans-5117898/</a><div class="clear"></div>
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Home हिन्दी

Corporates make 73% of public sector bank bad loans -Sunny Verma

Published on Mar 31, 2018   Modified on Mar 31, 2018

-The Indian Express The Finance Ministry directed smaller PSBs to cut their corporate loan exposure to 25 per cent of their risk-weighted assets over the medium term and focus more on retail lending. Corporate loans corner the lion’s share of rising bad loans in public sector banks while retail loans have a far superior track record when it comes to timely repayment, according to the latest available Reserve Bank of India data. Even as public sector banks lent about 37 per cent of their total credit to the industry sector, the corporate and industry loans accounted for over 73 per cent of the total non-performing assets (NPAs) of the banking sector in 2016-17, according to an analysis of the data by The Indian Express. Retail loans, which are 22.83 per cent of the overall credit, comprised only 3.71 per cent of the gross NPAs. Banking analysts say that factors such as business failure, inadequate risk assessment while sanctioning corporate credit and loan frauds by companies are some of the main reasons for the high level of NPAs in loans to industry given by the banks. In contrast, retail loans such as home loans, car loans and personal loans have a much better repayment track record. Loans to services and agriculture sector accounted for 13.21 per cent and 8.89 per cent respectively of the gross NPAs, the data shows. In absolute terms, out of Rs 6.41 lakh crore worth of total gross NPAs of PSU banks, Rs 4.70 lakh crore worth of NPAs were due to loans extended to industry as on March 31, 2017, the data shows. As for retail loans, Rs 23,795 crore worth of such loans turned into NPAs. To put PSU banks in order, the government initiated a plan in January to turn some of the smaller PSBs into national retail banks and regional retail banks, while limiting the corporate loans business primarily to large banks such as the State Bank of India, Punjab National Bank and Bank of Baroda. The Finance Ministry directed smaller PSBs to cut their corporate loan exposure to 25 per cent of their risk-weighted assets over the medium term and focus more on retail lending. Please click here to read more.

The Indian Express, 31 March, 2018, http://indianexpress.com/article/business/banking-and-finance/corporates-make-73-of-public-sector-bank-bad-loans-5117898/

Tagged with: Public Sector Banks Loan Default Corporate Loans banking

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