{"id":16164,"date":"2020-08-27T11:33:33","date_gmt":"2020-08-27T11:33:33","guid":{"rendered":"https:\/\/plyinsight.com\/?p=16164"},"modified":"2020-08-27T11:40:46","modified_gmt":"2020-08-27T11:40:46","slug":"after-the-moratorium-banks-have-to-face-their-bad-loan-problem-again","status":"publish","type":"post","link":"https:\/\/plyinsight.com\/hi\/after-the-moratorium-banks-have-to-face-their-bad-loan-problem-again\/","title":{"rendered":"After the moratorium: Banks have to face their bad loan problem, again"},"content":{"rendered":"

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\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0After the moratorium:<\/strong><\/span>\u00a0<\/strong><\/span>Banks have to face their bad loan problem, again<\/strong><\/span><\/h3>\n

Indian banks will have a hard task after RBI’s moratorium ends. Those that do not get capital will have to show their true health,<\/strong><\/p>\n

Sometime in late 1992, after Hurricane Andrew exposed the frailty of the US insurance industry, Warren Buffet made a famous comment: \u201cIt’s only when the tide goes out that you learn who’s been swimming naked.\u201d.<\/p>\n

He said this to describe what had already happened: the insurance industry masking its adventurism and being exposed after the good times ended. We are tempted to rephrase his quote and say, \u201cIt’s only when the moratorium is lifted, we will learn which banks are healthy and which are not.\u201d<\/p>\n

Barring a few, banks saw a drop in their non-performing assets (NPAs) in the June quarter. They have made hefty provisions, anticipating deterioration in the quality of assets. Will that protect their balance sheets? It all depends on how economic activities pick up and borrowers who have availed of the banks’ offer for moratorium on repaying loans behave.<\/p>\n

In the wake of the coronavirus pandemic, the Reserve Bank of India (RBI) announced a six-month moratorium for all term loans. The moratorium was given for March-May and then extended to August. There has been clamour for extending the facility, as most businesses battle lockdowns across India to contain the coronavirus pandemic. There could be pressure on banks’ retail loan books, as many people who borrowed for homes or cars have lost their jobs or accepted sharp pay cuts.<\/p>\n

There is no clarity on how deep will be the impact of the coronavirus pandemic on banks’ balance sheets. Bankers claim loan repayments are rising, but a true picture will emerge in the second half of the current financial year, if the moratorium ends in August.<\/p>\n

The banks follow the so-called accrual accounting, a method where revenue or expenses are recorded when a transaction occurs rather than when the payment is received or made. This means, they have been booking interest and only a quarter after the moratorium ends if a borrower is not able to service the debt, the particular account will turn bad.<\/p>\n

Before the pandemic, experts felt the worst was behind the Indian banking industry. The aggressive bad loan recognisition phase, which started in September 2015 with the RBI’s asset quality review, was about to end and recovery looked near. The insolvency law has not been a great success story, but bankers used it to bring rogue borrowers to the discussion table and recover bad loans outside the ambit of the insolvency and bankruptcy framework. As banks gave bulk of the bad loans, such recoveries added to their bottomline.<\/p>\n

It’s given that banks won’t get rid of the rise in bad loans. Their focus now to keep their capital healthy and tide over uncertain times. Private banks have already raised capital or in the process of raising it. The government is yet to announce a plan to infuse capital in public sector banks. The Union Budget did not made any provision for it.<\/p>\n

Those that do not get the capital will be swimming naked when the wave of moratorium recedes.<\/p>\n

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\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0After the moratorium:\u00a0Banks have to face their bad loan problem, again Indian banks will have […]<\/p>","protected":false},"author":1,"featured_media":16165,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[744],"tags":[],"class_list":["post-16164","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-august-articles-2020"],"yoast_head":"\nAfter the moratorium: Banks have to face their bad loan problem, again - PLY INSIGHT<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/plyinsight.com\/hi\/after-the-moratorium-banks-have-to-face-their-bad-loan-problem-again\/\" \/>\n<meta property=\"og:locale\" content=\"hi_IN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"After the moratorium: Banks have to face their bad loan problem, again - PLY INSIGHT\" \/>\n<meta property=\"og:description\" content=\"\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0After the moratorium:\u00a0Banks have to face their bad loan problem, again Indian banks will have […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/plyinsight.com\/hi\/after-the-moratorium-banks-have-to-face-their-bad-loan-problem-again\/\" \/>\n<meta property=\"og:site_name\" content=\"PLY INSIGHT\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/PlyInsight\" \/>\n<meta property=\"article:published_time\" content=\"2020-08-27T11:33:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-08-27T11:40:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/plyinsight.com\/wp-content\/uploads\/2020\/08\/Bank.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"540\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ply Insight\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@PlyInsight\" \/>\n<meta name=\"twitter:site\" content=\"@PlyInsight\" \/>\n<meta name=\"twitter:label1\" content=\"\u0926\u094d\u0935\u093e\u0930\u093e \u0932\u093f\u0916\u093f\u0924\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ply Insight\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u0905\u0928\u0941\u092e\u093e\u0928\u093f\u0924 \u092a\u0922\u093c\u0928\u0947 \u0915\u093e \u0938\u092e\u092f\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 \u092e\u093f\u0928\u091f\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/plyinsight.com\/after-the-moratorium-banks-have-to-face-their-bad-loan-problem-again\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/plyinsight.com\/after-the-moratorium-banks-have-to-face-their-bad-loan-problem-again\/\"},\"author\":{\"name\":\"Ply Insight\",\"@id\":\"https:\/\/plyinsight.com\/#\/schema\/person\/6ea1320d09fd2eeae3e26f1ca82a53b5\"},\"headline\":\"After the moratorium: Banks have to face their bad loan problem, again\",\"datePublished\":\"2020-08-27T11:33:33+00:00\",\"dateModified\":\"2020-08-27T11:40:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/plyinsight.com\/after-the-moratorium-banks-have-to-face-their-bad-loan-problem-again\/\"},\"wordCount\":548,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/plyinsight.com\/after-the-moratorium-banks-have-to-face-their-bad-loan-problem-again\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/plyinsight.com\/wp-content\/uploads\/2020\/08\/Bank.jpg\",\"articleSection\":[\"August Articles 2020\"],\"inLanguage\":\"hi-IN\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/plyinsight.com\/after-the-moratorium-banks-have-to-face-their-bad-loan-problem-again\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/plyinsight.com\/after-the-moratorium-banks-have-to-face-their-bad-loan-problem-again\/\",\"url\":\"https:\/\/plyinsight.com\/after-the-moratorium-banks-have-to-face-their-bad-loan-problem-again\/\",\"name\":\"After the moratorium: Banks have to face their bad loan problem, again - 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