call girls in Sant Nagar (DELHI) ๐ >เผ9953056974 ๐ genuine Escort Service ๐โ๏ธโ๏ธ
ย
Indian Banking Industry
1. 20
Indian Banking Industry
Private Banks
B2B B2C
Public Banks
FY 20 โ NPA & Credit Crunch
Credit Lending
Crunch
=
Fear of 3Cโs
CBI, CAG, CVC
+
Higher Costs
+
Poor Biz Env
+
Low Confidence
Rising NPA
=
Biz. Env
+
Political
Intervention
& Apptmt.
+
Legacy
Regulation
NBFCS
(not in scope)
NPA Growth 2 - 4% NPA Growth > 10%
YES Bank
P
U
Consolidating PSU
Banks with
Mergers
Remedial Ask
โข Improve business improvement
โข Govt cant run banks, they need to be independent and run autonomously
โข Let auditors govern them
โข Remove too many gate keepers like 3Cโs - CBI, CVC, CAG, fear to be
removed
โข Aggressive cost restructure is required, slack has to be removed
โข VRS is required like BSNL, MTNL
Source: LiveMint, Bloomberg, ThePrint, ET
Non Performing
Assets (NPA)Market Cap.
Market Cap. except
few like SBI, PNB