According to the Crisil report,public sector banks which account for over 80% of the non-performing assets(NPAs) could see the gross NPAs decreased to 10.6% by March 2020 from a peak of 14.6% in March 2018.
The reason attributed to this downfall in the NPAs were highlighted as higher recoveries and slowdown.
The Gross NPAs within the banking system had hit a peak of 11.5% in March 2018 and stood at 9.3% in March 2019.
Further,the report also says that the write-offs coupled with recoveries under Insolvency and Bankruptcy Code(IBC) in stressed assets also played a critical role in reduction of NPAs.
The report also says that banks have already recognised around Rs 17 lakh crore of stressed loans as NPAs since FY16 led by accelerated NPA recognition following the Reserve Bank of India’s(RBIs) stringent norms and asset quality reviews.
The report assumes that the bulk of the pending cases in the National Company Law Tribunal (NCLT) would be resolved with higher recovery rates and faster resolution times.
Non-performing assets(NPA) is a loan or advance for which the principal or interest payment remained overdue for a period of 90 days.
Banks are required to classify NPAs into (a)Substandard assets: Assets which has remained NPA for a period less than or equal to 12 months (b)Doubtful assets: An asset would be classified as doubtful if it has remained in the substandard category for a period of 12 months and (c)Loss assets:Loss asset is considered uncollectible and of such little value that its continuance as a bankable asset is not warranted although there may be some salvage or recovery value.
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