"Bad bank" is the only efficient strategy to restructure a bankBranko Greganovic
Setting up a separate "bad bank" processes and management structure is the only efficient strategy to restructure a bank because banks do not possess understanding, processes and structures required to manage NPL portfolios. A "bad bank" structure could be set up as a par of existing balance sheet, as a separate balance sheet in the same banking group or by selling the portfolio to a third party specialized in distressed asset management.
A powerful presentation on non performing assets which very much influencial when presented before others. Being a law student, I myself created the presentation and presented before the elite authorities which impressed them to a larger extent.
Challenges for banking in current scenarioHumsi Singh
The presentation describes the challenges faced by the banking sector in today's scenario. It tells about the various problems faced by banks nowadays.
"Bad bank" is the only efficient strategy to restructure a bankBranko Greganovic
Setting up a separate "bad bank" processes and management structure is the only efficient strategy to restructure a bank because banks do not possess understanding, processes and structures required to manage NPL portfolios. A "bad bank" structure could be set up as a par of existing balance sheet, as a separate balance sheet in the same banking group or by selling the portfolio to a third party specialized in distressed asset management.
A powerful presentation on non performing assets which very much influencial when presented before others. Being a law student, I myself created the presentation and presented before the elite authorities which impressed them to a larger extent.
Challenges for banking in current scenarioHumsi Singh
The presentation describes the challenges faced by the banking sector in today's scenario. It tells about the various problems faced by banks nowadays.
an analysis about the Indian banking system and the analysis of two major banking sector reforms; Narasimham committee (1 and 2) on banking sector reforms
NPA - Non Performing Assets by Meka SantoshSantosh Meka
NPA which is gobal problem for the banks with the borrower who they not pay money back to the banks with the given period of time.The silde have been describing toward INDIAN bank. More over it includes the impact, problem, solution and action taken by RBI and Govt of India to solve the issue of NPA.
an analysis about the Indian banking system and the analysis of two major banking sector reforms; Narasimham committee (1 and 2) on banking sector reforms
NPA - Non Performing Assets by Meka SantoshSantosh Meka
NPA which is gobal problem for the banks with the borrower who they not pay money back to the banks with the given period of time.The silde have been describing toward INDIAN bank. More over it includes the impact, problem, solution and action taken by RBI and Govt of India to solve the issue of NPA.
By Mukund P Unny
The practice of lending and borrowing is millenniums old. The concept of banking was incepted ever since humans started engaging in economic transactions of any kind. The banking system has evolved since then. We have well-established banks now in the 21st century-huge ones having more than $1 trillion in assets. The banking (or credit) sector is one that hold the reins of the world economy. Without the presence of a well-established credit-system, we cannot expect the economy to roll on. A dynamic banking system is essential for a thriving economy.
India converted the Development Financial Institutions into Banks or NBFC which was not a wise decision and former RBI governor long argued on the revival of these institutions.
RBI GUIDELINES ON WILLFUL DEFAULTERS.pdfPlutus IAS
The Reserve Bank of India (RBI) has put forth several amendments to its guidelines concerning the classification of “wilful defaulters” and the actions that should be taken against them :
Immediate Classification: Lenders are now required to categorize a borrower as a “wilful defaulter” promptly within six months of their account being designated as a non-performing asset (NPA). This represents a significant change as there was previously no specific timeframe for identifying such borrowers, ensuring a more timely assessment of wilful default.
Defining Wilful Default: The RBI defines wilful defaulters as borrowers or guarantors who have the financial capacity to repay the bank’s dues but choose not to do so or divert bank funds. The minimum outstanding amount for a wilful defaulter is set at Rs 25 lakh and above, providing a clear definition of who falls into this category.
Similar to Concept of Bad Bank in India: A road ahead (20)
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
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Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
how to sell pi coins in all Africa Countries.DOT TECH
Yes. You can sell your pi network for other cryptocurrencies like Bitcoin, usdt , Ethereum and other currencies And this is done easily with the help from a pi merchant.
What is a pi merchant ?
Since pi is not launched yet in any exchange. The only way you can sell right now is through merchants.
A verified Pi merchant is someone who buys pi network coins from miners and resell them to investors looking forward to hold massive quantities of pi coins before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
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What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
how can I sell my pi coins for cash in a pi APPDOT TECH
You can't sell your pi coins in the pi network app. because it is not listed yet on any exchange.
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I Will leave The telegram contact of my personal pi vendor, if you are finding a legitimate one.
@Pi_vendor_247
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1. Concept of Bad Bank in India: A
road ahead
Surya Kanta Mohanty
Research Scholar
2. Outline of Presentation
• Concept of Bad Bank
• Need of Bad bank
• NPA and its causes
• Structure and operation of bad bank
• Opportunities and Challenges
• Impact of Covid-19 on Bad bank
• Bad bank: a global perspective
• Conclusion.
• Is it a good idea or Bad idea???
3.
4.
5. • A bad bank is an ARC or an AMC that takes
over the bad loans of commercial banks,
manages them, eventually recovers the
money over a period of time.
• The bad bank is not involved in lending and
taking deposits, but helps commercial banks
to clean their balance sheets and resolve bad
loans.
• The takeover of bad loans is generally below
the book value of loan and AMC tries to
recover the bad loans the maximum amount
as possible subsequently.
11. Need of Bad Bank
• Economic recovery
• Government support
• Rising NPA
• Better solution for NPA management
12. NPA
• Non Performing Asset means a loan or an
account of borrower, which has been
classified by a bank or financial institution as
sub-standard, doubtful assets or loss assets, in
accordance with directions or guidelines
relating to asset classification issued by RBI
13. Categories of NPA
There are different types of non-performing assets
depending on how long they remain in the NPA category.
a) Sub-Standard Assets
An asset is classified as a sub-standard asset if it remains
as an NPA for a period less than or equal to 12 months.
b) Doubtful Assets
An asset is classified as a doubtful asset if it
remained as an NPA for more than 12 months.
c) Loss Assets
An asset is considered as a loss asset when it is
“uncollectible” or has such little value that its
continuance as a bankable asset is not suggested.
However, there may be some recovery value left in it as
the asset has not been written off wholly or in parts.
14.
15.
16.
17. REASONS OF NPA
• Lack of proper pre-enquiry by bank.
• Use of loan for other than sanctioned
purpose.
• Wilful defaulter
• Huge PML
• Government interventions
18. IMPACT OF COVID-19 ON NPA
• Banks bad loans expected to rise 9.6%-9.7% by
31st march 2021.
• Bad loans expected to rise 9.9-10.2% by 31st
march 2022.
19. STRUCTURE OF BAD BANK
The bad bank has a two-tiered structure,
• Tier 1: There must be an Asset Reconstruction
Company (ARC) by the government of India to buy
the toxic assets or bad loans from regular banks and
issue them security receipts. As per the Reserve Bank
of India guidelines, Asset Reconstruction Company
(ARC) will hold security receipts of 15 percent. Bank
will get 85 percent of security receipts to hold and 15
percent of the cash.
• Tier 2 : There must be an Asset Management
Company (AMC). Asset Management Company (AMC)
must be managed and functioned by public bodies as
well as private bodies which include banks too.
21. OPPORTUNITIES OF BAD BANK IN
INDIA
• Government support.
• Expertise in debt collection.
• Future perspective
• An efficient tool for NPA management.
22. ADVANTAGES OF BAD BANK
1. Regular banks can focus on the core operations that last longer
duration once the non-performing assets are transferred to bad
banks.
2. Once non-performing assets are transferred from regular banks to
bad banks, this leads to a positive impact on the external users.
3. This process leads to an increase in the growth of profits and
decrease the pressure on the capital of regular banks.
4. Bad banks hold special authorities like speeding up of loan
recovery and disposal of non-performing assets.
5. When the non-performing assets of regular banks are removed
from its balance sheet and transferred to a new enterprise or bad
banks, then the regular banks‟ performing assets hold less risk
when compared to before.
23. CHALLENGES FOR BAD BANK
• 8.35 lakh crores of bad loans as on 31.3.2021
excluding private sector banks.
• Current focus is 2lakh crore
• Valuation of bad loans
• Selling of stressed assets to potential buyers
• Nationalised bank may go for more loans
• Govt. is not doing it free of cost, charge- 0.25% of
SR from banks.
• Problem in collection of bad loans.
• Covid-19 pandemic
25. BAD BANK: GLOBAL PERSPECTIVE
• USA (Successful)
Mellon Bank huge npa(1988)
1.4 billion dollar bad loans(Real estate and
Energy sector)
Grant Street National Bank(Bad Bank)
Existence (1988-1995)-7 years
Return rate of mellon bank – 21.3%(1988-
1995)
26. • Sweden(Successful)
Swedish Banking Crisis1992
Over speculation in property assets and exchange
rate crisis- swedish crona
Bad banks - Retriva and Securum
Three out of 4 major banks were insolvent
value of bad loans- 51 billion SEK
Estimated life span (10-15) years for bad loans at
the time of establishment vs actual life span of
only 5 years
By mid 1997, 98% of its assets were disposed off.
27. • China(Unsuccessful)
A bad bank mess
1999- A mountain of bad debt due to Asian currency crisis.
Bad assets worth 62.45 billion dollar
China Huarong Asset Management Company Limited(CHAMCL)
Estimated life span of 10 years vs Actual life span extended
indefinitely
AMCL transformed to an investment banker such as Real estate,
Securities broking, Insurance, high yeild cross boarder lending etc.
Listed in Huarong stock exchange
In October 2015, the company went public.
In FY 15 to 16- 16.95 billion yuan profit, 2017 to 18 – 21.99 billion
yuan profit and in 2020 to 2021- 102.9 billion yuan loss.
Chinese Govt. gave a bailout(capital injection)- 50 billion yuan in
2021.
Italy also suffered like china
USA, Sweden, japan Portugal, Indonesia, Germany, Austria etc–
Successful Bad Bank
28. Conclusion
• The resolution of bad loans in 5 years will be a
big challenge. The private ARCs have been
struggling to resolve the issues as there has
been lack of interest among buyers. To face
these challenges is a great challenge for Bad
Bank. Still, as many countries are already
successful , I expect in India, it will be
successful.
31. Reference
• Times of India page, web news, What is good about a ‘bad
bank’
• Are bad banks effective options to tackle non-performing
assets?, by
deloitte.https://www2.deloitte.com/in/en/pages/tax/articles
/are-bad-banks-effective.html
• The endgame: On the new 'bad bank‘, The Hindu news paper.
• Bad bank article: revival mechanism of banking industry
• Wikipedia
• Indian express web news
• Slideshare
• https://www.investopedia.com/terms/badbank.asp