The COVID-19 will impact the banking operations in numerous ways. There will be increase in NPA, probable default of Mudra Loans, Asset Liability mismatch due delay in repayments with simultaneous increase in the withdrawal of deposits by the customers, etc.
Challenge of big business stimulus packageM S Siddiqui
Government may consider to introduce risk/credit guarantee schemes, where governments share potential losses in case of default, are proven tools globally to address this challenge. The current package does not include any such support. Some experts are stating that BB can go for risk sharing method. It means if the money will not come back then BB will subsidized by sharing principal as like interest subsidy.
Priority Sector Lending in India | भारत में प्राथमिकता क्षेत्र ऋण | Priority ...Abinash Mandilwar
Priority Sector Lending is very important topics for banking knowledge. This video is based on latest RBI guidelines. It is useful for JAIIB/CAIIB Exam, Bank Po Exam and Bank promotion. Don't forget to like share and comment the video. If you want video on any banking topics, suggest me in the comment box. For details you may refer my book on JAIIB. https://www.flipkart.com/search?q=abi...
Rescheduling the soaring default loans banks' responsibilitiesM S Siddiqui
The capital of banks has been reduced due to compulsory provisioning against increased default loan. Banks prefer rescheduling and restructuring of default loans for their own 'breathing space' and smooth running of their businesses. As such, now banks need to improve their capacity to manage loans and recovery process rather than depending on legal actions.
Challenge of big business stimulus packageM S Siddiqui
Government may consider to introduce risk/credit guarantee schemes, where governments share potential losses in case of default, are proven tools globally to address this challenge. The current package does not include any such support. Some experts are stating that BB can go for risk sharing method. It means if the money will not come back then BB will subsidized by sharing principal as like interest subsidy.
Priority Sector Lending in India | भारत में प्राथमिकता क्षेत्र ऋण | Priority ...Abinash Mandilwar
Priority Sector Lending is very important topics for banking knowledge. This video is based on latest RBI guidelines. It is useful for JAIIB/CAIIB Exam, Bank Po Exam and Bank promotion. Don't forget to like share and comment the video. If you want video on any banking topics, suggest me in the comment box. For details you may refer my book on JAIIB. https://www.flipkart.com/search?q=abi...
Rescheduling the soaring default loans banks' responsibilitiesM S Siddiqui
The capital of banks has been reduced due to compulsory provisioning against increased default loan. Banks prefer rescheduling and restructuring of default loans for their own 'breathing space' and smooth running of their businesses. As such, now banks need to improve their capacity to manage loans and recovery process rather than depending on legal actions.
DAY - NRLM (DAY - National Rural Livelihoods Mission) 'राष्ट्रीय ग्रामीण आजीव...Abinash Mandilwar
Complete scheme norms of DAY-NRLM (Deendayal Antyodaya Yojana – National Rural Livelihoods Mission) Schemes as per latest RBI guidelines. Important topic for JAIIB/CAIIB Exam and Banking awareness for bankers. Please like, share and comment on the video and subscribe the channel.
The scheme is the biggest fiscal component of the Rs 20-trillion Aatmanirbhar Bharat Abhiyan package announced by Finance Minister Nirmala Sitharaman in May
A Snapshot On The Overall Performance of The Financial Inclusion Initiatives ...VARUN KESAVAN
Financial inclusion or inclusive financing is the delivery of financial services at affordable costs to sections of disadvantaged and low-income segments of society, in contrast to financial exclusion where those services are not available or affordable. Financial refers to all types of financial services, including savings, payments and credit from all types of formal financial institutions. An estimated 2 billion working-age adults globally have no access to the types of formal financial services delivered by regulated financial institutions.
Watch full video on youtube - click on the link below
https://youtu.be/vW7zI25gZ-E
Moratorium period refers to the particular duration in the loan tenure when the borrower is not required to make any repayment in form of EMI. This period is also known as EMI holiday. Moratorium in terms of law means delay or suspension of an activity in a legal context.
PURPOSE - Usually, such breaks are offered to help individuals facing temporary financial difficulties or to help them plan their repayment well.
INTEREST - Borrower can opt to serve interest during moratorium period or after moratorium period in form of higher EMI. Simple interest is charged for the number of months borrower have taken the moratorium on the loan principal amount outstanding.
Generally you will find moratorium period in home loan, education loan, project finance etc.
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To overcome the financial crisis across the world, In lieu of covid-19, The Indian Goverment came up with a stimulus package to help the citizens. In this PPT, I have decoded the package into smaller aspects with my personal views included as well.
Relief Measures by RBI and Banks to MSME, Real Estate and NBFC SectorSumedha Fiscal
In order to alleviate the economic pain widely caused by the global pandemic, RBI announces new measures. Here is a breakdown of the steps taken and what the future holds.
DAY - NRLM (DAY - National Rural Livelihoods Mission) 'राष्ट्रीय ग्रामीण आजीव...Abinash Mandilwar
Complete scheme norms of DAY-NRLM (Deendayal Antyodaya Yojana – National Rural Livelihoods Mission) Schemes as per latest RBI guidelines. Important topic for JAIIB/CAIIB Exam and Banking awareness for bankers. Please like, share and comment on the video and subscribe the channel.
The scheme is the biggest fiscal component of the Rs 20-trillion Aatmanirbhar Bharat Abhiyan package announced by Finance Minister Nirmala Sitharaman in May
A Snapshot On The Overall Performance of The Financial Inclusion Initiatives ...VARUN KESAVAN
Financial inclusion or inclusive financing is the delivery of financial services at affordable costs to sections of disadvantaged and low-income segments of society, in contrast to financial exclusion where those services are not available or affordable. Financial refers to all types of financial services, including savings, payments and credit from all types of formal financial institutions. An estimated 2 billion working-age adults globally have no access to the types of formal financial services delivered by regulated financial institutions.
Watch full video on youtube - click on the link below
https://youtu.be/vW7zI25gZ-E
Moratorium period refers to the particular duration in the loan tenure when the borrower is not required to make any repayment in form of EMI. This period is also known as EMI holiday. Moratorium in terms of law means delay or suspension of an activity in a legal context.
PURPOSE - Usually, such breaks are offered to help individuals facing temporary financial difficulties or to help them plan their repayment well.
INTEREST - Borrower can opt to serve interest during moratorium period or after moratorium period in form of higher EMI. Simple interest is charged for the number of months borrower have taken the moratorium on the loan principal amount outstanding.
Generally you will find moratorium period in home loan, education loan, project finance etc.
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Instagram - https://www.instagram.com/devtechfinance/
LinkedIn - https://www.linkedin.com/company/devtech-finance
Facebook - https://www.facebook.com/devtechfinance/
Thank You For Watching
Please Subscribe To DevTech Finance
To overcome the financial crisis across the world, In lieu of covid-19, The Indian Goverment came up with a stimulus package to help the citizens. In this PPT, I have decoded the package into smaller aspects with my personal views included as well.
Relief Measures by RBI and Banks to MSME, Real Estate and NBFC SectorSumedha Fiscal
In order to alleviate the economic pain widely caused by the global pandemic, RBI announces new measures. Here is a breakdown of the steps taken and what the future holds.
In continuation to RBI announcements dated March 27, 2020, the RBI announced additional liquidity and regulatory measures to improve the system liquidity and to improve credit spreads.
Whereas, Commercial Bank of Ethiopia (CBE) has changed its strategic direction to customer centricity with the aim of making savings and credit products more customer centric and offering better customer value propositions;
Whereas, it has become necessary to improve customer experience by digitizing micro business segment through Micro loan products;
Whereas, Commercial bank of Ethiopia intends to diversify its credit portfolio mix in terms of tenure through expanding the short-term financing to be availed to micro business segments;
Whereas, it is necessary to set eligibility requirements, terms and conditions of loan products and services to the micro business segment in view of risk involved and customer’s demand;
Whereas, it is necessary to attract the underserved part of the society and enhance financial inclusion with low-cost financial services availed through mobile money platform;
Whereas, the majority of Micro Enterprises do not fit the loan terms and conditions of Micro Finance Institutions and Banks due to they are high in number and lacked collateral. And CBE has established Micro Credit Department to properly address loan demand from Micro Enterprises.
NOW, therefore; it becomes important to develop and introduce the “Micro Saving and Loan Policy”.
1.2. Short Title
This policy may be cited as “Micro Saving and Loan (MSL) Policy of the Commercial Bank of Ethiopia”;
1.3. Definitions of Terms
“Board” means supervisory Board of the Bank formed in accordance with Article 10 (2) and 12 of Public Enterprises Proclamation No 25/1992.
“Credit Scoring” means judging/evaluating the creditworthiness of a customer based on basic characteristics and past experiences with credit.
“Digital Lending” means a remote and automated lending process, largely by use of seamless digital technologies for customer acquisition, credit assessment, loan approval, disbursement, recovery, and associated customer services.
“Micro Saving and Loan (MSL)” means a digital based saving and lending platform for customers. Here, Under MSL, the “Micro Saving” is a saving platform that allows customers to save money on a digital platform (using their mobile phones) without visiting branches and filling forms. “Micro Loan” is uncollateralized(Credit Scoring Based) digital lending product which is instant, automated, and remote loan offered through mobile phones for CBE Birr customers;
“Micro saving and Loan” means a small amount of loan availed to micro businesses and individuals for the purpose of supporting businesses and consumption.
“MSL Policy” means a general framework approved by the board that spells out and guides the bank’s MSL strategic directions, processes or activities and credit /financing decision.
“National Bank of Ethiopia (NBE)” means a supervising authority of banks, established in accordance with the council of ministers’ proclamation number 591/2008;
“Loan Pricing” means setting interest rate, fees, commission and others to be charged by the Bank
Indian economy segment Is largely informal segment and MSME segment. It’s the backbone of the country. Data shows 65% of urban population and 90% of rural population is engaged in informal segment activities which has hit hard.
On 06 Jan 2016 ,the Union Cabinet, chaired by the Prime Minister Shri Narendra Modi, approved the “Stand Up India Scheme” to promote entrepreneurship among SC/ST and Women entrepreneurs. The Scheme is intended to facilitate at least two such projects per bank branch, on an average one for eachcategory of entrepreneur. It is expected to benefit atleast 2.5 lakh borrowers.
The expected date of reaching the target of at least 2.5 lakh approvals is 36 months from the launch of the Scheme.
Atmanirbhar presentation - Stimulus by Indian Government - Part 1 business in...Dilip Sankarreddy
Stimulus package announced by Government of India to tackle the economic distress caused by corona virus or covid-19. The stimulus package has been named as 'Atmanirbhar Bharath'.
The total package size is about 10% of India's GDP.
Date of announcement: 13 May 2020.
Aatmanirbhar Bharat Scheme announced by Government of India in the wake of COVID 19. The whole scheme was divided into 5 parts. It is the official PPT of Part 1 entailing the inclusion of MSMEs in the development of economy.
RESTRUCTURING OF MSMEs & CREDIT GUARANTEE SCHEME FOR SUBORDINATE DEBT (CGSSD)Ajayan Kavungal Anat
This is a brief presentation to give insights into the
new guidelines issued by Reserve Bank of India for
‘Restructuring of MSMEs’ and also on Subordinate
Debt for Stressed MSMEs’
INDUSTRY OVERVIEW
Evolution of Banking Sector in India
Structure of Banking in India
Parameters/ Indicator – banking Sector
Growth of the Industry with Examples
Prominent Companies in the Banking Sector
New entrants in the Banking Sector
Exit of Banks
Major Decisions take by the Government for Banking Sector
Understanding scope of Interim Financial Statements.pdfResurgent India
An interim financial statement or an interim financial report, is a detailed report of accounting, which covers all the business activities within less than one financial year.
Original Source:
https://www.resurgentindia.com/understanding-scope-of-interim-financial-statements
Understanding scope of Interim Financial Statements.docxResurgent India
An interim financial statement or an interim financial report, is a detailed report of accounting, which covers all the business activities within less than one financial year.
Original Source:
https://www.resurgentindia.com/understanding-scope-of-interim-financial-statements
Due Diligence Report - Process, Importance and Types.pdfResurgent India
Due Diligence Report is basically an internal memo shared with the executive team members who are involved in monitoring and are responsible for closing the deal. Let’s understand more about it.
Original Source:
https://www.resurgentindia.com/services/private-equity
Due Diligence Report - Process, Importance and Types.docxResurgent India
Due Diligence Report is basically an internal memo shared with the executive team members who are involved in monitoring and are responsible for closing the deal. Let’s understand more about it.
Original Source:
https://www.resurgentindia.com/services/private-equity
Due Diligence Report - Process, Importance and Types.pdfResurgent India
Due Diligence Report is basically an internal memo shared with the executive team members who are involved in monitoring and are responsible for closing the deal. Let’s understand more about it.
Original Source:
https://www.resurgentindia.com/due-diligence-report-process-importance-and-types
Due Diligence Report - Process, Importance and Types.docxResurgent India
Due Diligence Report is basically an internal memo shared with the executive team members who are involved in monitoring and are responsible for closing the deal. Let’s understand more about it.
Original Source:
https://www.resurgentindia.com/due-diligence-report-process-importance-and-types
Due Diligence Report - Process, Importance and Types.pdfResurgent India
Due diligence is a simplistic process that includes research and analysis before an acquisition, or investment. Also, it is done before a business partnership or bank loan, to understand and find out the value of the subject undertaken for due diligence report.
Original source:
https://www.resurgentindia.com/due-diligence-report-process-importance-and-types
Due Diligence Report - Process, Importance and Types.docxResurgent India
Due diligence is a simplistic process that includes research and analysis before an acquisition, or investment. Also, it is done before a business partnership or bank loan, to understand and find out the value of the subject undertaken for due diligence report.
Original source:
https://www.resurgentindia.com/due-diligence-report-process-importance-and-types
Investment banking is a separate division of the financial sector that arranges debt and deals in securities for all types of corporate organizations. Additionally, it is also responsible for providing other services such as financial advisory services and mergers and acquisitions etc.
Original source:
https://www.resurgentindia.com/investment-banking-firm-overview-functions-and-benefits
Due Diligence Report - Process, Importance and Types.docxResurgent India
Due Diligence Report is basically an internal memo shared with the executive team members who are involved in monitoring and are responsible for closing the deal. Let’s understand more about it.
Original source:
https://www.resurgentindia.com/due-diligence-report-process-importance-and-types
Due diligence is a simplistic process that includes research and analysis before an acquisition, or investment. Also, it is done before a business partnership or bank loan, to understand and find out the value of the subject undertaken for due diligence.
Original source of this blog :
https://www.resurgentindia.com/due-diligence-report-process-importance-and-types
Everything you need to know about the valuation reportResurgent India
A business valuation report is an attempt to thoroughly document and analyze the value of a company or a group of assets by considering all relevant market, industrial, and economic aspects.
Once, project idealisation takes shape, an elaborate feasibility study of the project becomes essential. Basis of this study, a project owner determines whether the idea is feasible and then plans to attract investment and formulate an investment proposal. To establish that the project is worthy of investment, preparation of a Detailed Project Report or DPR becomes necessary.
Government has been taking multiple efforts in the direction of increasing the skilled workforce in India so that they can participate in shaping the growing economy of the country.
Webinar On How Asset Restructuring Companies (ARCs) shall resolve Stressed As...Resurgent India
Post Covid-19, the market conditions are going to worsen due to mounting loss of income and increase in fixed expenses. It will be interesting to watch how ARC will play the role in order to revive and rehabilitate the stressed accounts, inevitable because of the ongoing economic conditions.
Webinar on bank initiatives towards msme sectorResurgent India
MSME has historically played a pivotal role in building our economy. This crisis has not spared anyone and MSMEs have been crushed under its weight. Drying cash flows, labor migration are some of the many problems that they are facing as we speak.
Hospitality industry which comprises travel, tourism and accommodation had created 4.2 crore jobs which accounted for 8% of the total employment of the nation. It also ranks third globally in terms of investment in travel & tourism, with national investment in it up to 6%.
The issue exposed the unhealthy relationship that had developed between major corporations and India’s state-owned and private banks, with the corporations getting loans for troublesome projects, and making their lenders to defer repayment when those projects failed. Critics suggested that India’s dysfunctional insolvency service system incentivized bankers to keep their major borrowers in business rather than force bankruptcy proceedings.
Bigger investment firms have analysts who analyze business information and decide how they are likely to benefit from selling or buying. Reports are sold to managers of mutual funds and hedge funds for capital generation.
Three major business valuation methods that A Business Valuator will use to tabulate a fair price for your business are market value, asset-based and ROI-based business valuation methods. They all have the same objective of determining the current values of your company.
India Orthopedic Devices Market: Unlocking Growth Secrets, Trends and Develop...Kumar Satyam
According to TechSci Research report, “India Orthopedic Devices Market -Industry Size, Share, Trends, Competition Forecast & Opportunities, 2030”, the India Orthopedic Devices Market stood at USD 1,280.54 Million in 2024 and is anticipated to grow with a CAGR of 7.84% in the forecast period, 2026-2030F. The India Orthopedic Devices Market is being driven by several factors. The most prominent ones include an increase in the elderly population, who are more prone to orthopedic conditions such as osteoporosis and arthritis. Moreover, the rise in sports injuries and road accidents are also contributing to the demand for orthopedic devices. Advances in technology and the introduction of innovative implants and prosthetics have further propelled the market growth. Additionally, government initiatives aimed at improving healthcare infrastructure and the increasing prevalence of lifestyle diseases have led to an upward trend in orthopedic surgeries, thereby fueling the market demand for these devices.
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Taurus Zodiac Sign_ Personality Traits and Sign Dates.pptxmy Pandit
Explore the world of the Taurus zodiac sign. Learn about their stability, determination, and appreciation for beauty. Discover how Taureans' grounded nature and hardworking mindset define their unique personality.
Skye Residences | Extended Stay Residences Near Toronto Airportmarketingjdass
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RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
Remote sensing and monitoring are changing the mining industry for the better. These are providing innovative solutions to long-standing challenges. Those related to exploration, extraction, and overall environmental management by mining technology companies Odisha. These technologies make use of satellite imaging, aerial photography and sensors to collect data that might be inaccessible or from hazardous locations. With the use of this technology, mining operations are becoming increasingly efficient. Let us gain more insight into the key aspects associated with remote sensing and monitoring when it comes to mining.
1. Webinar on Impact of COVID-19 On Banks
RESURGENT INDIA KNOWLEDGE SERIES PRESENTS
Webinar On “Impact of COVID-19 on banks”
Speakers- Mr Siddheshwar Patra, GM CC- Bank of Baroda
Speakers- Mr Vikas Kumar, GM- Allahabad Bank
Moderated by- Mr K.K. Gupta, Director- Resurgent India Limited
Key Takeaways
General Overview
• The COVID-19 will impact the banking operations in numerous ways. There will be increase
in NPA, probable default of Mudra Loans, Asset Liability mismatch due delay in repayments
with simultaneous increase in the withdrawal of deposits by the customers, etc.
• Regulatory measures like reduction in repo rate and reverse repo rate, additional liquidity in
form of Marginal Standing Facility due to increase of 1 % rate in SLR, CRR reduction, LTRO- 1
lakh crore of stimulus package announced by RBI to be released in tranches.
2. • On the customer side, RBI has given a moratorium of 3 months, deferment of interest for CC
and overdraft limits for 3 months, lending institutions can recalculate drawing power by
reducing the margin or reassessing the working capital cycle, no restructuring during this
period, export bills can be realized from earlier period of 9 months to extended period of 15
months.
• In order to lend without constraints, banks need maximum capital reserves. Capital
conservation buffer has been postponed for another 6 months, which relaxes the terms of
capital reserves. Net stable fund ratio (NSFR) has been postponed to another 6 months which
was supposed to be implemented by 1st April 2020.
• GOI has also come out of support in the economy and is helping in number of ways like
beneficiaries under Jan Dhan Yojana will get Rs 500 for next three months, below poverty line
families will get free gas cylinders for 3 months, women’s self-help group collateral free loan
has increased from Rs 10 lakhs to Rs 20 Lakhs, insurance scheme for front line medical workers,
availability of food, direct fund transfers to people under kisan Nidhi yojana, senior citizens,
PWD & widows will get Rs 1000 for next 3 months.
• Even though rating agencies might downgrade the ratings of some companies/sectors, banks
will continue to keep an open-mind and unbiased view and take independent rational decisions
for lending as per the situation and conduct of the account and company.
• IBA has come out with various suggestions for the benefit of all the banks at large so that
banks are protected from any immediate adversities of COVID-19, which includes, asking for
extension of moratorium and 6 months extension of resolution for stressed assets.
• GOI & RBI should provide some comfort like a partial credit guarantee scheme to urge the
banks to lend investment grade companies and not just above.
• Almost all the banks have come out with a 10% Covid emergency fund, that is available to
existing clients at reasonable terms without any hassle.
• The pricing of the loan is affected by the rating downgrade, as banks have to keep higher
provisions for companies below investment grade as compared to investment grade.
►Watch the webinar here: https://www.youtube.com/watch?v=menMsztxreU