Bank Lending

The Great Indian NPA Mess: Banks, govt and industrialists worked together to kick bad loans can down the road

We now have one big problem which the Narendra Modi government is trying to postpone further by merging different public sector banks. The trouble is bringing two rotten eggs together is only going to lead to another rotten egg

Memo to Arun Jaitley: Giving capital to PSBs alone won’t save ailing MSMEs; the problem runs deeper

The demand for bank loans for MSMEs will pick up only when overall economic activity improves with sector specific measures

Raghuram Rajan says cleaning up bank balance sheets biggest challenge, reduced lending holding up economy

Before bringing more change in the public sector banking system, it is extremely important that the banks get back into the business of lending, Rajan said.

RBI deputy governor Viral Acharya asks banks to act on NPAs with a sense of urgency

Warning that recovery is a long way off, Acharya said sectors with the most stressed assets have so much excess capacity relative to current or near-term utilization that there is no sign of a pickup in higher capacity utilisation.

Demonetisation: Why PM Modi’s big task now is finding a way out of the economic mess

Demonetisation would have been a clean-hit for Modi had he executed it with enough preparation. But, the hurried, poorly-thought out action has backfired badly on the economy and the pain is likely to outweigh the likely long-term gains of curbing black money, counterfeit notes and corruption

India Inc welcome steady policy rates, but seek full benefit of previous rate cuts

Want banks to pass on the full benefits in the form of lower lending rates for both consumers and investors to aid economic growth

Good news: RBI move on loan-to-value ratio seen reducing home loan rate further

Home loan borrowers in smaller cities are likely to be the biggest gainers from the RBI move due to limited supply at affordable price points in the larger cities

Dear PM, corporates won't take risks because once-bitten banks wouldn't want to lend to them

The last time banks went on an overdrive while lending to corporates they burnt their fingers badly, with corporates defaulting big time on their loans

RBI rate cut: Cheaper EMI an illusion unless banks get over their profit hunger

Nine large Indian bans have NIMs above 3 percent while US banks' average stands around 2.95 percent

No reason to cheer: Your EMIs may not fall despite RBI's repo rate cut today

Do not expect a major rate reduction by banks now