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PSU bank write-offs hit multi-year lows in FY26 as recoveries surge and slippages fall

PSU bank write-offs hit multi-year lows in FY26 as recoveries surge and slippages fall

Public sector banks in India recorded loan write-offs at multi-year lows in FY25-26, driven by fewer new problem loans and stronger recoveries from existing stressed assets. PTI analysis of earnings showed most PSUs had write-offs lowest in up to eight years, including Bank of Baroda and Punjab National Bank. The shift also coincided with improved asset quality, with gross and net NPA ratios falling to 1.93% and 0.39% by March 31, 2026, alongside sharply higher recoveries and record profitability.

Summarised by Beize from a story on The Economic Times on 15 May 2026
Indian banks stay resilient after RBI cut as margins squeeze grows, report finds asset quality still steady

Indian banks stay resilient after RBI cut as margins squeeze grows, report finds asset quality still steady

Indian banks are showing financial stability even as profit margins come under pressure after the RBI’s December 2025 repo rate cut, according to Systematix Institutional Equities. The report notes that lower lending rates have reduced banks’ interest income, dragging net interest margins, though slippages remain broadly controlled. Asset quality in January-March FY26 stayed stable across most banks, while deposit growth remained healthy and loan growth continued to hold up. Banks are also preparing for new ECL credit-loss rules.

Summarised by Beize from a story on The Economic Times on 15 May 2026

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Kotak Mahindra Bank shares tumble 5% despite strong Q4 profit and improving asset quality

Kotak Mahindra Bank shares tumble 5% despite strong Q4 profit and improving asset quality

Kotak Mahindra Bank stock dropped about 5% after Q4FY26 results, even as the bank delivered a solid quarter. Net profit grew 13.3% year on year and NII rose 8.1%, while asset quality improved with both gross and net NPAs declining. Morgan Stanley stayed bullish with an “Overweight” rating despite the selloff.

Summarised by Beize from a story on The Economic Times on 4 May 2026
Govt moves to clear debt recovery cases faster with mandatory e filing and e DRT 2 0

Govt moves to clear debt recovery cases faster with mandatory e filing and e DRT 2 0

The Department of Financial Services held a key colloquium in Vigyan Bhavan to tackle the backlog in debt recovery cases. Officials discussed mandatory e-filing, hybrid hearings, and a rollout of e-DRT 2.0, alongside training for tribunal staff and tighter bank oversight. The plan also prioritises high-value matters and uses Lok Adalats and mediation to speed outcomes, with BAANKNET e-auctions improving transparency.

Summarised by Beize from a story on IndianWeb2 on 3 May 2026
Indian Bank Q4 profit rises 5% to Rs 2956 crore amid falling bad loans

Indian Bank Q4 profit rises 5% to Rs 2956 crore amid falling bad loans

Indian Bank reported a 5% year-on-year rise in Q4 net profit to Rs 2,956 crore as operating profit improved and both gross and net non-performing assets fell sharply. While the lender expects steady advances growth in the current fiscal year, it flagged potential challenges for treasury operations linked to global events. Deposits also grew strongly.

Summarised by Beize from a story on The Economic Times on 29 Apr 2026
Banks cleaned up NPAs but retail lending is starving job creating firms

Banks cleaned up NPAs but retail lending is starving job creating firms

Banks have largely stabilized their balance sheets by moving away from industrial stress and focusing on retail lending, easing the NPA crisis. But the unintended fallout is a squeeze on credit flow to smaller businesses and firms that create jobs, raising concerns about growth and employment as credit shifts to consumers instead.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026

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IndusInd Bank red flags ignored for years as misreporting went unchecked

IndusInd Bank red flags ignored for years as misreporting went unchecked

Alleged issues at IndusInd Bank stretch across multiple fiscal years, with reported concerns over lending and risk management plus disclosures. Variances in gross and net NPAs emerged in FY16, followed by misreporting in FY17. The widening gap has raised questions about whether regulatory rules were respected as divergences grew.

Summarised by Beize from a story on The Economic Times on 24 Apr 2026
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