{"id":22180,"date":"2021-06-24T12:16:23","date_gmt":"2021-06-24T06:46:23","guid":{"rendered":"https:\/\/plyinsight.com\/?p=22180"},"modified":"2021-06-24T12:16:23","modified_gmt":"2021-06-24T06:46:23","slug":"banks-in-better-position-to-manage-stress-in-2nd-wave","status":"publish","type":"post","link":"https:\/\/plyinsight.com\/hi\/banks-in-better-position-to-manage-stress-in-2nd-wave\/","title":{"rendered":"Banks in Better Position to Manage Stress in 2nd Wave"},"content":{"rendered":"

Banks are better placed in this Covid wave to manage stress in balance sheets than before, the RBI said, helped by higher capital buffers, improvement in recoveries and a return to profitability.<\/p>\n

As the country battles a second wave of infections, state governments have imposed localised lockdowns to contain the spread. These curbs have hit economic activity, leading to job and business loss and increased stress in the system.<\/p>\n

In its annual report, the Reserve Bank of India (RBI) said banks’ asset quality will need to be closely monitored in the coming quarters, with preparedness for higher provisioning against the backdrop of the Supreme Court lifting an interim stay on asset classification.<\/p>\n

The waiving of ‘interest on interest’ charged on loans during the moratorium period (March 1, 2020, to August 31, 2020) may also impinge on lending institutions’ finances.<\/p>\n

Stress tests indicate that banks have sufficient capital at the aggregate level even in a severe-stress scenario. Bank-wise as well as system-wide, supervisory stress testing provide clues for a forward-looking identification of vulnerable areas, the RBI added.<\/p>\n

According to RBI data, the capital adequacy ratio (CAR) of banks rose to 15.9 per cent in December 2020 from 14.8 per cent in March 2020, on capital raising from the market, and retention of profits.<\/p>\n

The gross non-performing assets (GNPA) ratio of banks decreased to 6.8 per cent in December 2020 from 8.2 per cent in March 2020.<\/p>\n

The proposed bad bank, the regulatory measures aimed at developing market-based mechanisms for credit risk transfer, such as securitisation, transfer of loan exposures and development of secondary loan market may help in reducing the stressed assets on the bank balance sheets.<\/p>\n

The health of the banking sector emerged as a priority for the RBI as it sought to cushion the system from the pandemic (first wave). A number of measures were put in place to mitigate its impact. Some of them were easier access to working capital, moratorium, asset classification standstill, restriction on dividend pay-outs, permitting restructuring of viable accounts, it added.<\/p>\n

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Banks are better placed in this Covid wave to manage stress in balance sheets than before, the RBI said, helped by higher capital buffers, improvement in recoveries and a return to profitability. As the country battles a second wave of infections, state governments have imposed localised lockdowns to contain the spread. These curbs have hit […]<\/p>","protected":false},"author":1,"featured_media":22182,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1252],"tags":[1282,1283,1170,374,984,1280,1070,1189,99,1279,1281,1284],"class_list":["post-22180","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-june-articles-2021","tag-2nd-wave","tag-3rd-wave","tag-banks","tag-corona","tag-covid","tag-indian-banks","tag-loan","tag-market","tag-rbi","tag-reserve-banks-of-india","tag-second-wave","tag-third-wave"],"yoast_head":"\nBanks in Better Position to Manage Stress in 2nd Wave - 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\/banks-in-better-position-to-manage-stress-in-2nd-wave\/\" \/>\n<meta property=\"og:locale\" content=\"hi_IN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banks in Better Position to Manage Stress in 2nd Wave - PLY INSIGHT\" \/>\n<meta property=\"og:description\" content=\"Banks are better placed in this Covid wave to manage stress in balance sheets than before, the RBI said, helped by higher capital buffers, improvement in recoveries and a return to profitability. 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