{"id":39974,"date":"2023-08-08T17:43:50","date_gmt":"2023-08-08T12:13:50","guid":{"rendered":"https:\/\/plyinsight.com\/?p=39974"},"modified":"2023-08-08T17:45:49","modified_gmt":"2023-08-08T12:15:49","slug":"banks-can-absorb-any-macro-shock","status":"publish","type":"post","link":"https:\/\/plyinsight.com\/hi\/banks-can-absorb-any-macro-shock\/","title":{"rendered":"Banks can Absorb Any Macro Shock"},"content":{"rendered":"

The Indian banking system is well capitalized and capable of absorbing macroeconomic shocks, a stress test conducted by the central bank shows.<\/span><\/p>\n

In its annual edition of the financial stability report, RBI has noted that in case the macroeconomic environment worsens to a severe stress scenario, the bad loan ratio of banks may rise to 5.1% from 3.9% in March 2023.<\/span><\/p>\n

As per the stress test results, the bad loan ratio of all banks may improve to 3.6% by March 2024 under the baseline scenario.<\/span><\/p>\n

\u201cStress test results reveal that schedule commercial banks are well capitalized and capable of absorbing macroeconomic shocks over a one-year horizon even in the absence of any further capital infusion,\u201d the central bank said.<\/span><\/p>\n

The asset quality of banks have continued to improve and their gross bad loan ration declined to 3.9 percent in March 2023 \u2013 a 10-year low. The net non-performing asset ratio also improved to 1 percent, a level last observed in June 2011, indication of active and deep provisioning, the central bank said.<\/span><\/p>\n

\u201cNone of the 46 scheduled banks would breach the minimum capital requirement of 9 percent in the next one year, even in a severely stressed satiation, although 7 banks may fall short of the minimum capital inclusive of the capital conservation buffer (CCB),\u201d the central banks notes in the report.<\/span><\/p>\n

The banking regulator has also warned that high inflation along warned that high inflation along with rise in interest rates can have severe impact on borrowers repayment capacity.<\/span><\/p>\n

\u201cHigh inflation coupled with rise in borrowing costs adversely impacts finances of household and their loan repayment capacity, which can have implications for lending banks,\u201d the RBI noted.<\/span><\/p>\n

\u201cIdentifying different measures of risks using individual home loan data it is found that a twin shock in the form of a simultaneous increase in inflation and lending rates can put even households with sustainable repayment capacity at risk and double the loans-at-risk.\u201d<\/span><\/p>\n

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The Indian banking system is well capitalized and capable of absorbing macroeconomic shocks, a stress test conducted by the central bank shows. In its annual edition of the financial stability report, RBI has noted that in case the macroeconomic environment worsens to a severe stress scenario, the bad loan ratio of banks may rise to […]<\/p>","protected":false},"author":1,"featured_media":24445,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4801],"tags":[1073,1089,1819,4952,4953,1070,1289,99,739,4954],"class_list":["post-39974","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-august-articles-2023","tag-bank","tag-banking","tag-capital","tag-indian-banking","tag-inflaction","tag-loan","tag-money","tag-rbi","tag-reserve-bank-of-india","tag-rules-banking"],"yoast_head":"\nBanks can Absorb Any Macro Shock - 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-can-absorb-any-macro-shock\/\" \/>\n<meta property=\"og:locale\" content=\"hi_IN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banks can Absorb Any Macro Shock - PLY INSIGHT\" \/>\n<meta property=\"og:description\" content=\"The Indian banking system is well capitalized and capable of absorbing macroeconomic shocks, a stress test conducted by the central bank shows. 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