ISSN (Print) - 0012-9976 | ISSN (Online) - 2349-8846
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Non-performing Assets of Commercial Banks

The restructuring of loans of commercial banks permitted by the Reserve Bank of India under the corporate debt restructuring scheme enabled the banks to upgrade the loans of some of the potentially viable units from the substandard to the standard category. In view of the recent directives of the RBI—realistic assessment of the restructured assets and standardisation of the asset classification—there is a reversal of entries in some cases, which attracted higher provisioning, resulting in losses or a dip in profits of the commercial banks.



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