https://www.taxtmi.com/news?id=16595 Non-performing assets and stressed loans have surged, concentrated in industry, infrastructure and large borrowers, caused by weak underwriting, high promoter leverage, inadequate post disbursement supervision and excessive reliance on loan restructuring to postpone recognition. Effective credit risk management requires robust underwriting, independent second line risk functions, strict sanction discipline, timely classification and resolution of stressed accounts, portfolio diversification and committed board and senior management oversight. Regulatory measures include a large loan database for lender coordination, restructuring and resolution schemes that separate sustainable debt, incentives for timely action, governance reforms and capital support to restore bank resilience. en-us Thu, 08 Sep 2016 18:15:31 +0530 Thu, 08 Sep 2016 18:18:00 +0530 TaxTMI RSS Generator https://www.taxtmi.com/news?id=16595 Non-performing assets and stressed loans have surged, concentrated in industry, infrastructure and large borrowers, caused by weak underwriting, high promoter leverage, inadequate post disbursement supervision and excessive reliance on loan restructuring to postpone recognition. Effective credit risk management requires robust underwriting, independent second line risk functions, strict sanction discipline, timely classification and resolution of stressed accounts, portfolio diversification and committed board and senior management oversight. Regulatory measures include a large loan database for lender coordination, restructuring and resolution schemes that separate sustainable debt, incentives for timely action, governance reforms and capital support to restore bank resilience. News - Thu, 08 Sep 2016 18:15:31 +0530 https://www.taxtmi.com/news?id=16595