RP-Sanjiv Goenka Group ke Shashwat Goenka ka kehna hai ki agar India ko global level par badi companies khadi karni hain, toh banks ko short-term ke bajaye long-term 'patient capital' par focus karna hoga.
Indian economy tezi se badh rahi hai, lekin Shashwat Goenka (Vice Chairman, RP-Sanjiv Goenka Group) ne ek badi baat kahi hai. Unka kehna hai ki agar humein apni 50 companies ko Fortune Global 500 list mein lana hai, toh banks ko apne lendings ke tarike badalne honge. Abhi hum 5 saal ke repayment cycle par chalte hain, par bade projects ke liye 20 saal wala 'patient capital' chahiye.
Current scenario kya hai?
Abhi jitna paisa Indian business ko milta hai, uska 62 paise bank se aata hai. Problem tab hoti hai jab banks renewable energy ya infrastructure jaise bade projects ko short-term deposits se fund karte hain. Isse 'asset-liability mismatch' ka risk badh jata hai, jo investors ke liye tension ki baat ho sakti hai.
Stability kaisi hai?
Good news ye hai ki banking sector ka gross non-performing assets (bad loans) ab 1.8% par hai, jo kaafi saalon ka low hai. Itni strong position ke baad banks ab risk lene ki halat mein hain, lekin depositor ka paisa safe rakhna priority honi chahiye.
Governance is Key
Goenka ne saaf kaha hai ki jab aap long-term bets lete hain, toh 'Governance' sabse important hai. Bina strong governance ke system hila toh bade dreams pure nahi ho payenge. Investors ko ab banks ke funding sources aur management commentary par nazar rakhni hogi ki wo kaise long-term growth ko balance karte hain.