"However, contagion analysis with top five most connected
banks reveals that the banking system could potentially lose significant
portion of its total Tier-I capital under the joint solvency-liquidity condition
in the event of a particular bank triggering a contagion."
"Another aspect that impinges upon the banks’ asset
quality is corporate leverage and its impact on banks’ balance sheets, particularly
‘double leveraging’ through holding company structures and the pledging of
shares by promoters."
"The gross non-performing advances (GNPAs) of SCBs as a
percentage of the total gross advances increased to 4.5 per cent in September
2014 from 4.1 per cent in March 2014. The net non-performing advances (NNPAs)
as a percentage of total net advances also increased to 2.5 per cent in
September 2014 from 2.2 per cent in March 2014. Stressed advances increased to 10.7 per cent of the total advances
from 10.0 per cent between March and September 2014. PSBs continued to record
the highest level of stressed advances at 12.9 per cent of their total advances
in September 2014 followed by private sector banks at 4.4 per cent. "
"Real Estate Share in Total advances is 17.4 % "...
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