RBI now uses divergence to compel banks to improve their loan-loss ratios

  1. Recently,three state-run banks had reported divergence in bad loan recognition while announcing the results.
  2. Divergence takes place when the Reserve Bank of India (RBI) finds that a lender has under-reported (or not reported at all) bad loans in a particular year and hence asks the lender to make disclosures if under-reporting is more than 10% of bad loans or the provisioning.
  3. In all these banks, divergence was spotted for the financial year 2017-18. Higher provisioning for divergence was one of the reasons for them to report losses for the quarter.
  4. Further,divergence was identified not because these banks hadn’t classified the loan as non-performing assets (NPA) but because they were late in classifying them.
  5. Non-Performing Assets(NPA) are loans or advances that are in default or are in arrears on scheduled payments of principal or interest,usually for a period of 90 days.Before the period of 90 days,they are called Stressed Assets.

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