Page 9 - Bank Loans

From loan moratorium to digitisation, 2020 saw major shifts in banking

The central bank allowed a moratorium (payment holiday) on dues for six months

Asset quality pressure on banks to moderate by FY22-end, says Icra

Maintains stable outlook on lenders, sees NPAs declining to 2.5% by March 2022, from estimated 3.1% in March 2021

Flashback 2020

Bankers have been talking about near-normalcy in collection of loan repayments and very few stressed borrowers going for loan restructuring. This gives us hope for 2021

Borrow from RBI-registered lending apps to avoid unscrupulous operators

Digital Lenders' Association of India (DLAI) has come out with a few guidelines

Economy well placed to capitalise on recovery in 2021, says K V Kamath

In an interview with Abhijit Lele, K V Kamath'said India needs to be mindful of the pain that exists in the self-employed category and those with unsecured loans

PM SVANidhi scheme: A thousand hurdles for a Rs 10K loan to street vendors

Implementation of the PM SVANidhi scheme, meant to help street vendors, has been erratic with banks

Past imperfect, present better, future uncertain

Incidents of corporate loans turning bad could be less than anticipated, but the banks' challenge will be retail loans. Large-scale job losses will have a bearing on the retail portfolio

Federal Bank: Ripe for re-rating despite guidance in run-rate of slippages

Strong growth is expected to counter the likely asset quality issues

Blanket interest waiver on all loans to cost Rs 6 trillion: Centre to SC

The top court is hearing a batch of pleas of various bodies including from real estate and power seeking sector wise relief in view of the Covid-19 pandemic.

Bankers hope retail, SME segment will sustain credit offtake in H2

Easing of slippage risk seen as GDP contraction narrows

Guaranteed loans for stressed assets out of existing Rs 3 trn credit line

Scheme to be applicable to all 26 sectors identified by K V Kamath panel along with health sector, with past dues from Rs 50-500 crore as of 29 February, 2020

Some banks extending long-term loans below bond market rates, warns SBI

It's time the RBI allowed the rupee to appreciate, says an SBI Research report

Realty lending by FIs drops sharply in last one year due to pandemic

Lending rates have come down by 100 basis points for term loans and to lower extent for other loans, says Propstack data

Loan moratorium is fiscal policy matter, we're on top of it: Centre to SC

The Centre told the SC that issue pertaining to loan moratorium is a fiscal policy matter and the government has taken various proactive steps keeping in mind different sectors.

DBS Bank issues maiden green loans in India worth Rs 1,050 cr to CapitaLand

DBS Bank on Wednesday said it has issued its first two green loans in India totalling Rs 1,050 crore to CapitaLand.

Just 1% firms keen on one-time debt recast as biz outlook improves: Crisil

This is despite the fact that two-thirds of Crisil-rated entities are eligible for restructuring, based on Kamath Committee parameters

Sundaram Home Finance to raise Rs 2,000 cr in H2 through debt, bank funding

The company plans to raise it through a mix of debt instruments and bank funding

Best of BS Opinion: Industrial era GDP measures, gold loans glitter & more

Here's a selection of Business Standard opinion pieces for the day

Retail loans: Banks dominate in business segment, NBFCs in housing

In personal loans, both state-run and private banks have a higher share compared to NBFCs

Gold loans glitter for banks

Loan against gold is the best route for monetising the yellow metal, and the Covid pandemic is acting as a catalyst for it