Whalesbook
Banks ke liye Regulatory Nirdesh
Reserve Bank of India (RBI) ne HDFC Bank aur ICICI Bank ko Rs 500 crore aur Rs 1,283 crore ki kafi badi capital alag rakhne ka nirdesh diya hai, jo unke priority sector lending (PSL) compliance mein paayi gayi kami ke karan hai. Yeh additional one-time provisioning saalana supervisory reviews se aayi hai jismein unke bade agriculture loan portfolios mein samasyao ko flagged kiya gaya tha.
Agriculture Loan Classification par Focus
Regulators ab is baat ki jaanch kar rahe hain ki banks agricultural loans ko kaise classify kar rahe hain. RBI ka nirdesh hai ki sirf wohi credit jo official scales of finance ke anusar asli khet ki zarooraton ko poora karta hai, usey agricultural lending ke roop mein categorize kiya jaye. Isse zyada ke loans ko non-agricultural categories ke tehat reclassify ya manage karna hoga. Yeh kadam is chinta se uthaya gaya hai ki loans ka over-classification ho raha hai jo kuch had tak non-farm purposes ke liye istemal ho rahe hain.
Market Reaction aur Analyst Views
Market participants is provisioning ko regulatory action maan rahe hain, na ki asset quality stress ka reflection. Ashika Stock Broking ke institutional equities research ke head ne kaha ki haalanki koi provisioning gap nahi hai, yeh basically ek penalty hai jismein banks ko additional capital rakhna padega. Banks ne documentation aur procedural gaps ko theek karne ki plans bataayi hain taaki agle cycle mein in loans ko reclassify kiya ja sake.
ICICI Bank ne Rs 20,000-25,000 crore ke portfolio mein misclassifications batayi hain, jismein kuch exposure 2012 tak ke hain. "Bank ko standard asset provision karne ka nirdesh mila hai agriculture priority sector credit facilities ke sambandh mein jahaan terms poori tarah compliant nahi paayi gayi thin," Sandeep Batra, executive director at ICICI Bank ne kaha. Prakash Agarwal of Gefion Capital ne joda ki 5% ki provision seedhi regulatory directive hai aur loans recover hone ya run down hone par reverse ho sakti hai.
Axis Bank ke saath Pehle ka Mamla
Aise hi ek supervisory exercise Axis Bank ke saath pichle saal June quarter mein hui thi. Bank ne tab clear kiya tha ki slippages aur upgrades ko recognize karne ke liye technical parameters ke application mein badlav ne uske asset quality metrics ko affect kiya tha, jise usne technical aur specific loan types tak seemit bataya tha.