The Banking industry has been growing by leaps and bounds with each passing day. Over the past decade, it has transformed tremendously and the services offered cater to many demands over and above merely disbursing loans and collecting deposits. Today, the entire gamut of banking products and services are managed collectively through Core Banking. But,…
The banking sector in India is over-burdened with the broadening concerns around Non-performing assets (NPAs). As a result, these rising bad loans seem to be swallowing away huge profit margins of financial institutions. A major reason behind pushing borrowers in the NPA category could be identified as the stressed macroeconomic conditions. Considering this state, what…
There have been several debates on the how to tackle NPAs and the role of banks in controlling them. Regulatory bodies have noticed a spike in NPA since 2008 and have introduced enough measures for managing NPAs. However, does this really mean that the recovery of bad loans is happening as expected? No! These statistics…
The rising levels of NPA in Indian banks have become an alarming concern. The question that raises is – Who is to blame for the situation? Banks? Banks are alleged to be the primary reason for the mounting number of bad loans. Whether it is about the poor lending practices or the coercive measures adopted…