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NPA ordinance credit positive, but NPA resolution to take time: Moody’s

10 May 2017 Evaluate

The global ratings agency, Moody’s Investors Service in its latest report has termed ‘credit positive’ the measures taken by the government and Reserve Bank of India (RBI) to resolve the NPA issue and has said that the government’s ordinance to amend the Banking Regulation Act will improve the efficacy of bad loans resolution. However, it also said that the measures do not address the lack of capital at the state-owned banks that has prevented them from writing down non-performing loans (NPLs) to realistic levels and expects NPL resolution to be a relatively long drawn out process.

The ratings agency further said that the reason for the limited success of the various regulatory measures so far was that they did not address related structural factors. It said the operating environment in the key stressed sectors remained challenging and the market value of stressed assets was typically much lower than what the banks currently reflect on their balance sheets. Hence, successful resolution, either through debt relief or asset sale, will require banks to take a big hit when they write-down the value of these assets to market value. However, it said that state-owned banks’ weak capital levels mean that they do not have the capacity to take these sort of write-downs.

Moody’s said ‘our base case remains that state-owned banks will use most of their operating profits over the next two years to gradually increase loan loss coverage from the current low levels. It is only at that stage that they will be in a position to appropriately mark down NPLs and clean up their balance sheets.’ Besides, the bad loans of banks are estimated at over Rs 8 lakh crore.

Recently, the government through an ordinance provided the RBI with greater powers to intervene in the resolution of NPLs. This ordinance was followed by a RBI notification lowering the threshold lenders in Joint Lenders' Forum (JLF) to approve a resolution proposal, to 60 per cent from 75 per cent of lenders by value, and to 50 per cent from 60 per cent of lenders by number.

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MoneyWorks4Me is a SEBI-registered Investment Adviser (IA) dedicated to helping investors build long-term wealth through transparent, research-driven, conflict-free guidance. Founded in 2008, we started our journey as a Research Analyst (RA), providing deep fundamental analysis, intrinsic value insights, and long-term investing frameworks for Indian equities. In 2017, we transitioned to a full-fledged SEBI-registered Investment Adviser, strengthening our commitment to acting as a fiduciary—always putting the investor’s interest first.

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NPA ordinance credit positive, but NPA resolution to take time: Moody’s

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Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
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Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
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SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
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