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\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
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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

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')) {

                trigger_error($message, E_USER_WARNING);

            } else {
$response = object(Cake\Http\Response) {

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    <h1 class="cat-box-title">RBI&#039;s NPA bitter pill comes with some side effects -Richa Mishra &amp; KR Srivats</h1>
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		 Published on</span><span class="text-date"> Feb 19, 2018</span>
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                            <div align="justify">-The Hindu Business Line<br /><br /><em>Bankers call for a coordinated approach to deal with the stressed loans issue<br /><br />New Delhi: </em>The RBI&rsquo;s revised framework for stressed loans may prove to be disastrous and seems ill timed for an economy that is just recovering from twin policy blows of demonetisation and GST implementation.<br /><br />Though there are long-term benefits of administering such a bitter pill, the short-term risks are significant, say bankers.<br /><br />&ldquo;This (revised NPA framework) is one more shock for the banking industry, which is not that strong any more. Don&rsquo;t be surprised if 25 per cent of the banking system is NPA in one year&rsquo;s time from now,&rdquo; said a banker.<br /><br />The short-term implication is the risk of about ?3 trillion worth of loans, where payments have remained outstanding for 60-90 days, slipping into NPA category, requiring banks to make enhanced provisions.<br /><br />There may be increase in bad loans due to slippages from Special Mentioned Account (SMA) category. Accounts that remained unpaid for 60-90 days are categories as SMA2.<br /><br />Critics in the banking industry point out that the new framework is very stringent on NPA recognition and is being introduced at a time when other pieces in the ecosystem are found wanting.<br /><br /><em>&lsquo;Bits and pieces approach&rsquo;<br /></em><br />This bits and pieces of policy making will not help and the need of the hour is a coordinated approach and not a silo approach, a senior Finance Ministry official said.<br /><br />Different segments need to play together like an orchestra if good outcomes are to be derived, according to this official, who said that government is cognisant of this requirement.<br /><br />The other aspects that need attention include ensuring government departments make their payments to vendors within 60 days.<br /><br />For instance, if a bank discounts a bill for supplies made by a corporate to a government department and the government department does not pay within say 60 days, the entire working capital of the company is blocked, putting it at risk of defaulting with the bank under the new framework.<br /><br />The situation is similar when funds get blocked under tax disputes which are taking years to get settled. So there has to be reforms to ensure efficiencies in these areas. Tightening banking systems without addressing these other aspects will not prove fruitful.<br /><br />&ldquo;You now want your banks to count for NPA from 61st day (Special Mentioned Account 2) itself. This will be the case when even government departments don&rsquo;t settle their vendor bills in 60 days in India. We should first get the other pieces of reforms right before tightening the screws on banks. How many tax disputes get settled in 60 days in India?&rdquo;, a banker asked.<br /><br />It was pointed out that banks are yet to get fully readjusted to 90 days NPA norm and now the 60-day aspect is getting introduced.<br /><br /><em>&lsquo;Reset&rsquo; woes<br /></em><br />&ldquo;The banking system has to now reset for the 61st day. Are we ready to start the resolution process on 61st day? This new NPA framework does not differentiate between MSME and large companies.&rdquo;<br /><br />Please <a href="https://www.thehindubusinessline.com/money-and-banking/rbis-npa-bitter-pill-comes-with-some-side-effects/article22791020.ece?homepage=true" title="https://www.thehindubusinessline.com/money-and-banking/rbis-npa-bitter-pill-comes-with-some-side-effects/article22791020.ece?homepage=true">click here</a> to read more. <br /></div>                                                           
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    <h1 class="cat-box-title">RBI&#039;s NPA bitter pill comes with some side effects -Richa Mishra &amp; KR Srivats</h1>
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                            <div align="justify">-The Hindu Business Line<br /><br /><em>Bankers call for a coordinated approach to deal with the stressed loans issue<br /><br />New Delhi: </em>The RBI&rsquo;s revised framework for stressed loans may prove to be disastrous and seems ill timed for an economy that is just recovering from twin policy blows of demonetisation and GST implementation.<br /><br />Though there are long-term benefits of administering such a bitter pill, the short-term risks are significant, say bankers.<br /><br />&ldquo;This (revised NPA framework) is one more shock for the banking industry, which is not that strong any more. Don&rsquo;t be surprised if 25 per cent of the banking system is NPA in one year&rsquo;s time from now,&rdquo; said a banker.<br /><br />The short-term implication is the risk of about ?3 trillion worth of loans, where payments have remained outstanding for 60-90 days, slipping into NPA category, requiring banks to make enhanced provisions.<br /><br />There may be increase in bad loans due to slippages from Special Mentioned Account (SMA) category. Accounts that remained unpaid for 60-90 days are categories as SMA2.<br /><br />Critics in the banking industry point out that the new framework is very stringent on NPA recognition and is being introduced at a time when other pieces in the ecosystem are found wanting.<br /><br /><em>&lsquo;Bits and pieces approach&rsquo;<br /></em><br />This bits and pieces of policy making will not help and the need of the hour is a coordinated approach and not a silo approach, a senior Finance Ministry official said.<br /><br />Different segments need to play together like an orchestra if good outcomes are to be derived, according to this official, who said that government is cognisant of this requirement.<br /><br />The other aspects that need attention include ensuring government departments make their payments to vendors within 60 days.<br /><br />For instance, if a bank discounts a bill for supplies made by a corporate to a government department and the government department does not pay within say 60 days, the entire working capital of the company is blocked, putting it at risk of defaulting with the bank under the new framework.<br /><br />The situation is similar when funds get blocked under tax disputes which are taking years to get settled. So there has to be reforms to ensure efficiencies in these areas. Tightening banking systems without addressing these other aspects will not prove fruitful.<br /><br />&ldquo;You now want your banks to count for NPA from 61st day (Special Mentioned Account 2) itself. This will be the case when even government departments don&rsquo;t settle their vendor bills in 60 days in India. We should first get the other pieces of reforms right before tightening the screws on banks. How many tax disputes get settled in 60 days in India?&rdquo;, a banker asked.<br /><br />It was pointed out that banks are yet to get fully readjusted to 90 days NPA norm and now the 60-day aspect is getting introduced.<br /><br /><em>&lsquo;Reset&rsquo; woes<br /></em><br />&ldquo;The banking system has to now reset for the 61st day. Are we ready to start the resolution process on 61st day? This new NPA framework does not differentiate between MSME and large companies.&rdquo;<br /><br />Please <a href="https://www.thehindubusinessline.com/money-and-banking/rbis-npa-bitter-pill-comes-with-some-side-effects/article22791020.ece?homepage=true" title="https://www.thehindubusinessline.com/money-and-banking/rbis-npa-bitter-pill-comes-with-some-side-effects/article22791020.ece?homepage=true">click here</a> to read more. <br /></div>                                                           
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                            <div align="justify">-The Hindu Business Line<br /><br /><em>Bankers call for a coordinated approach to deal with the stressed loans issue<br /><br />New Delhi: </em>The RBI&rsquo;s revised framework for stressed loans may prove to be disastrous and seems ill timed for an economy that is just recovering from twin policy blows of demonetisation and GST implementation.<br /><br />Though there are long-term benefits of administering such a bitter pill, the short-term risks are significant, say bankers.<br /><br />&ldquo;This (revised NPA framework) is one more shock for the banking industry, which is not that strong any more. Don&rsquo;t be surprised if 25 per cent of the banking system is NPA in one year&rsquo;s time from now,&rdquo; said a banker.<br /><br />The short-term implication is the risk of about ?3 trillion worth of loans, where payments have remained outstanding for 60-90 days, slipping into NPA category, requiring banks to make enhanced provisions.<br /><br />There may be increase in bad loans due to slippages from Special Mentioned Account (SMA) category. Accounts that remained unpaid for 60-90 days are categories as SMA2.<br /><br />Critics in the banking industry point out that the new framework is very stringent on NPA recognition and is being introduced at a time when other pieces in the ecosystem are found wanting.<br /><br /><em>&lsquo;Bits and pieces approach&rsquo;<br /></em><br />This bits and pieces of policy making will not help and the need of the hour is a coordinated approach and not a silo approach, a senior Finance Ministry official said.<br /><br />Different segments need to play together like an orchestra if good outcomes are to be derived, according to this official, who said that government is cognisant of this requirement.<br /><br />The other aspects that need attention include ensuring government departments make their payments to vendors within 60 days.<br /><br />For instance, if a bank discounts a bill for supplies made by a corporate to a government department and the government department does not pay within say 60 days, the entire working capital of the company is blocked, putting it at risk of defaulting with the bank under the new framework.<br /><br />The situation is similar when funds get blocked under tax disputes which are taking years to get settled. So there has to be reforms to ensure efficiencies in these areas. Tightening banking systems without addressing these other aspects will not prove fruitful.<br /><br />&ldquo;You now want your banks to count for NPA from 61st day (Special Mentioned Account 2) itself. This will be the case when even government departments don&rsquo;t settle their vendor bills in 60 days in India. We should first get the other pieces of reforms right before tightening the screws on banks. How many tax disputes get settled in 60 days in India?&rdquo;, a banker asked.<br /><br />It was pointed out that banks are yet to get fully readjusted to 90 days NPA norm and now the 60-day aspect is getting introduced.<br /><br /><em>&lsquo;Reset&rsquo; woes<br /></em><br />&ldquo;The banking system has to now reset for the 61st day. Are we ready to start the resolution process on 61st day? This new NPA framework does not differentiate between MSME and large companies.&rdquo;<br /><br />Please <a href="https://www.thehindubusinessline.com/money-and-banking/rbis-npa-bitter-pill-comes-with-some-side-effects/article22791020.ece?homepage=true" title="https://www.thehindubusinessline.com/money-and-banking/rbis-npa-bitter-pill-comes-with-some-side-effects/article22791020.ece?homepage=true">click here</a> to read more. <br /></div>                                                           
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Home हिन्दी

RBI's NPA bitter pill comes with some side effects -Richa Mishra & KR Srivats

Published on Feb 19, 2018   Modified on Feb 19, 2018

-The Hindu Business Line Bankers call for a coordinated approach to deal with the stressed loans issue New Delhi: The RBI’s revised framework for stressed loans may prove to be disastrous and seems ill timed for an economy that is just recovering from twin policy blows of demonetisation and GST implementation. Though there are long-term benefits of administering such a bitter pill, the short-term risks are significant, say bankers. “This (revised NPA framework) is one more shock for the banking industry, which is not that strong any more. Don’t be surprised if 25 per cent of the banking system is NPA in one year’s time from now,” said a banker. The short-term implication is the risk of about ?3 trillion worth of loans, where payments have remained outstanding for 60-90 days, slipping into NPA category, requiring banks to make enhanced provisions. There may be increase in bad loans due to slippages from Special Mentioned Account (SMA) category. Accounts that remained unpaid for 60-90 days are categories as SMA2. Critics in the banking industry point out that the new framework is very stringent on NPA recognition and is being introduced at a time when other pieces in the ecosystem are found wanting. ‘Bits and pieces approach’ This bits and pieces of policy making will not help and the need of the hour is a coordinated approach and not a silo approach, a senior Finance Ministry official said. Different segments need to play together like an orchestra if good outcomes are to be derived, according to this official, who said that government is cognisant of this requirement. The other aspects that need attention include ensuring government departments make their payments to vendors within 60 days. For instance, if a bank discounts a bill for supplies made by a corporate to a government department and the government department does not pay within say 60 days, the entire working capital of the company is blocked, putting it at risk of defaulting with the bank under the new framework. The situation is similar when funds get blocked under tax disputes which are taking years to get settled. So there has to be reforms to ensure efficiencies in these areas. Tightening banking systems without addressing these other aspects will not prove fruitful. “You now want your banks to count for NPA from 61st day (Special Mentioned Account 2) itself. This will be the case when even government departments don’t settle their vendor bills in 60 days in India. We should first get the other pieces of reforms right before tightening the screws on banks. How many tax disputes get settled in 60 days in India?”, a banker asked. It was pointed out that banks are yet to get fully readjusted to 90 days NPA norm and now the 60-day aspect is getting introduced. ‘Reset’ woes “The banking system has to now reset for the 61st day. Are we ready to start the resolution process on 61st day? This new NPA framework does not differentiate between MSME and large companies.” Please click here to read more.

The Hindu Business Line, 18 February, 2018, https://www.thehindubusinessline.com/money-and-banking/rbis-npa-bitter-pill-comes-with-some-side-effects/article22791020.ece?homepage=true

Tagged with: Non-Performing Assets Non-Performing Assets (NPAs) banking Stressed Loans msmes

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