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
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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
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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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                            <div align="justify">-Livemint.com<br /><br /><em>The problem escalated due to the government&rsquo;s focus on infrastructure during 2002-09, especially with the efforts made to promote public-private partnerships<br /></em><br />The past two years or so have seen rapidly increasing stress in the Indian banking sector, with non-performing assets (NPAs) steadily climbing from under 3% to over 13% of total assets. Loan-loss provisioning for NPAs has seriously eroded the capital base of several banks, limiting their ability to make further loans. There is general consensus that the state of Indian banking is among the biggest challenges facing the country in accelerating investments and growth.<br /><br />While there is certainly urgency in finding a solution to the problem, diagnosing the cause(s) and putting correctives in place is perhaps even more important. Unfortunately, the entire discourse appears to have boiled down to the governance practices in public sector banks (PSBs), particularly political interference and crony capitalism. Hence, the solutions have more or less polarized around two ideologically coloured views&mdash;(a) privatization of PSBs; or (b) strengthening independence and capacity of PSBs. While this is a perfectly legitimate debate and may lead to a part of the solution, it should not forestall the search for other causes, which may be just as important. <br /><br /><em>The cause<br /></em><br />I argue that much of the problems currently being faced by the banking sector arise from a fundamental change that occurred after 2002. Prior to that, Indian banks mainly had two types of loans: (a) working capital loans to production entities, firms, and farmers (76% of banking portfolio); and (b) retail term loans to households for housing, and durable goods (less than 24%). Since then, banks have been aggressively making term loans to companies for fixed capital investments, like land, building, and machinery. This now accounts for 38% of the portfolio, with working capital at 42% and retail at 20%. The bulk of NPAs by value are long-term loans to corporates.<br /><br />Please <a href="https://www.livemint.com/Opinion/g5TJdUlkCx1bhq5vZ7bbFI/Opinion--What-ails-the-Indian-banking-sector.html" title="https://www.livemint.com/Opinion/g5TJdUlkCx1bhq5vZ7bbFI/Opinion--What-ails-the-Indian-banking-sector.html">click here</a> to read more. <br /></div>                                                           
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                            <div align="justify">-Livemint.com<br /><br /><em>The problem escalated due to the government&rsquo;s focus on infrastructure during 2002-09, especially with the efforts made to promote public-private partnerships<br /></em><br />The past two years or so have seen rapidly increasing stress in the Indian banking sector, with non-performing assets (NPAs) steadily climbing from under 3% to over 13% of total assets. Loan-loss provisioning for NPAs has seriously eroded the capital base of several banks, limiting their ability to make further loans. There is general consensus that the state of Indian banking is among the biggest challenges facing the country in accelerating investments and growth.<br /><br />While there is certainly urgency in finding a solution to the problem, diagnosing the cause(s) and putting correctives in place is perhaps even more important. Unfortunately, the entire discourse appears to have boiled down to the governance practices in public sector banks (PSBs), particularly political interference and crony capitalism. Hence, the solutions have more or less polarized around two ideologically coloured views&mdash;(a) privatization of PSBs; or (b) strengthening independence and capacity of PSBs. While this is a perfectly legitimate debate and may lead to a part of the solution, it should not forestall the search for other causes, which may be just as important. <br /><br /><em>The cause<br /></em><br />I argue that much of the problems currently being faced by the banking sector arise from a fundamental change that occurred after 2002. Prior to that, Indian banks mainly had two types of loans: (a) working capital loans to production entities, firms, and farmers (76% of banking portfolio); and (b) retail term loans to households for housing, and durable goods (less than 24%). Since then, banks have been aggressively making term loans to companies for fixed capital investments, like land, building, and machinery. This now accounts for 38% of the portfolio, with working capital at 42% and retail at 20%. The bulk of NPAs by value are long-term loans to corporates.<br /><br />Please <a href="https://www.livemint.com/Opinion/g5TJdUlkCx1bhq5vZ7bbFI/Opinion--What-ails-the-Indian-banking-sector.html" title="https://www.livemint.com/Opinion/g5TJdUlkCx1bhq5vZ7bbFI/Opinion--What-ails-the-Indian-banking-sector.html">click here</a> to read more. <br /></div>                                                           
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    <h1 class="cat-box-title">What ails the Indian banking sector? -Pronab Sen</h1>
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                            <div align="justify">-Livemint.com<br /><br /><em>The problem escalated due to the government&rsquo;s focus on infrastructure during 2002-09, especially with the efforts made to promote public-private partnerships<br /></em><br />The past two years or so have seen rapidly increasing stress in the Indian banking sector, with non-performing assets (NPAs) steadily climbing from under 3% to over 13% of total assets. Loan-loss provisioning for NPAs has seriously eroded the capital base of several banks, limiting their ability to make further loans. There is general consensus that the state of Indian banking is among the biggest challenges facing the country in accelerating investments and growth.<br /><br />While there is certainly urgency in finding a solution to the problem, diagnosing the cause(s) and putting correctives in place is perhaps even more important. Unfortunately, the entire discourse appears to have boiled down to the governance practices in public sector banks (PSBs), particularly political interference and crony capitalism. Hence, the solutions have more or less polarized around two ideologically coloured views&mdash;(a) privatization of PSBs; or (b) strengthening independence and capacity of PSBs. While this is a perfectly legitimate debate and may lead to a part of the solution, it should not forestall the search for other causes, which may be just as important. <br /><br /><em>The cause<br /></em><br />I argue that much of the problems currently being faced by the banking sector arise from a fundamental change that occurred after 2002. Prior to that, Indian banks mainly had two types of loans: (a) working capital loans to production entities, firms, and farmers (76% of banking portfolio); and (b) retail term loans to households for housing, and durable goods (less than 24%). Since then, banks have been aggressively making term loans to companies for fixed capital investments, like land, building, and machinery. This now accounts for 38% of the portfolio, with working capital at 42% and retail at 20%. The bulk of NPAs by value are long-term loans to corporates.<br /><br />Please <a href="https://www.livemint.com/Opinion/g5TJdUlkCx1bhq5vZ7bbFI/Opinion--What-ails-the-Indian-banking-sector.html" title="https://www.livemint.com/Opinion/g5TJdUlkCx1bhq5vZ7bbFI/Opinion--What-ails-the-Indian-banking-sector.html">click here</a> to read more. <br /></div>                                                           
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    <br><a href="https://www.livemint.com/Opinion/g5TJdUlkCx1bhq5vZ7bbFI/Opinion--What-ails-the-Indian-banking-sector.html" class="re" target="_blank">Livemint.com, 20 September, 2018, https://www.livemint.com/Opinion/g5TJdUlkCx1bhq5vZ7bbFI/Opinion--What-ails-the-Indian-banking-sector.html</a><div class="clear"></div>
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What ails the Indian banking sector? -Pronab Sen

Published on Sep 21, 2018   Modified on Sep 21, 2018

-Livemint.com The problem escalated due to the government’s focus on infrastructure during 2002-09, especially with the efforts made to promote public-private partnerships The past two years or so have seen rapidly increasing stress in the Indian banking sector, with non-performing assets (NPAs) steadily climbing from under 3% to over 13% of total assets. Loan-loss provisioning for NPAs has seriously eroded the capital base of several banks, limiting their ability to make further loans. There is general consensus that the state of Indian banking is among the biggest challenges facing the country in accelerating investments and growth. While there is certainly urgency in finding a solution to the problem, diagnosing the cause(s) and putting correctives in place is perhaps even more important. Unfortunately, the entire discourse appears to have boiled down to the governance practices in public sector banks (PSBs), particularly political interference and crony capitalism. Hence, the solutions have more or less polarized around two ideologically coloured views—(a) privatization of PSBs; or (b) strengthening independence and capacity of PSBs. While this is a perfectly legitimate debate and may lead to a part of the solution, it should not forestall the search for other causes, which may be just as important. The cause I argue that much of the problems currently being faced by the banking sector arise from a fundamental change that occurred after 2002. Prior to that, Indian banks mainly had two types of loans: (a) working capital loans to production entities, firms, and farmers (76% of banking portfolio); and (b) retail term loans to households for housing, and durable goods (less than 24%). Since then, banks have been aggressively making term loans to companies for fixed capital investments, like land, building, and machinery. This now accounts for 38% of the portfolio, with working capital at 42% and retail at 20%. The bulk of NPAs by value are long-term loans to corporates. Please click here to read more.

Livemint.com, 20 September, 2018, https://www.livemint.com/Opinion/g5TJdUlkCx1bhq5vZ7bbFI/Opinion--What-ails-the-Indian-banking-sector.html

Tagged with: Non-Performing Assets Non-Performing Assets (NPAs) Public Sector Banks Public Sector Banks (PSBs)

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