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2010 में रु. 30,000 करोड़ के ऋण एनपीए होनें की संभावना

Posted by drgorg on January 16, 2010 at 12:25 PM

वैश्विक श्रेणिकारक (Rating) संस्थान (agency) फिच का अंदेशा 

भारतीय बैंकों में वर्ष 2010 में एनपीए का स्तर 1 प्रतिशत बढ़ सकता है,

विगत वर्षों के दौरान पुनर्गठित  ऋणों से  लगभग 2 तिहाई के इस वर्ष के दौरान परिपक्व होने की संभावना है  जिसमें से रु. 30 000 करोड़ के ऋणों के  एनपीए होनें की संभावना जताई जा रही है


A news item says that during the year 2010 the Indian Banks ,may increase their liabilities in the form of incerased NPA.


Fitch, the global rating agency warned, on Monday  that NPAs of banks may go up by 1%.with a specific reference to restructured loans, where loans worth Rs 30,000 crore  could turn sub prime or NPA or Bad by next year when two-thirds of these are expected to mature.


Fitch report has become more significant as RBI had already advised the banks to be more prudent in extending credit on teaser rates. During 2008-09 and in the first quarter of 2009-10, banks restructured on an average 4.4% of their total loans, which was marely 0.71% in 2007-08.


Restructuring was mostly in the form of rescheduling principal for a period of 12 to 24 months, thereby giving the borrowers time to handle the down-turn.


During 2009, besides lowering interest rates, many of the banks had restructured their existing loan portfolios of the real estate.


While overall the NPAs of banks had increased to Rs. 66,900 crore as on 31-03-2009 from Rs 55,800 crore on March 31, 2008, the credit extended to commercial real estate sky-rocketed.


Outstanding credit to the commercial real estate of Indian banks, at the end of March 2009 was Rs 91,500 crore against Rs 63,000 crore as of March 2008, it was not only an increase of 45% over the previous year but was more than double the amount of Rs 44,000 crore exposure during the flourinshing period of 2007  for the banks.


Major portion of this huge lending came from the government banks despite the fact that the RBI had prescribed limits on banks exposure to individual and group borrowers as a preventive measure in view of the ongoing sub-prime crisis in the western world. A part of this growth was also due to the existing loan portfolio being restructured by banks.


Moral of the Story - The Public Sector Banks have been recapitalised time and again..and again there may be a Bail Out Package for those, if they seem failing, it is fact that big banks just write off their small loans specially under Govt. sponsored schemes as quickly as even before you can read this article,viciating the recovery atmosphere..Just becuase they have the previledge of huge capital base and Govt. to protect them, What about smaller banks.? and specifically us.. ? Moreover, infusing this much of easy money..does it have any impact on our Price Hike crisis.?.


I am baffled enough to think more..if you can please suggest


Till we meet again with another issue to discuss,


Have a fabulous time


Bye


 


 

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