Just four years have gone by since asset quality review (AQR) was introduced by the Reserve Bank of India (RBI) to clean up the banking system. Yet, AQR has had a lingering impact in the system.
While the exercise may go down the history as the most stringent one undertaken by a regulator in the Indian banking system to weed out toxic assets, numbers suggest that AQR may have permanently reset the non-performing asset (NPA) ratios for the banking system. Sample this, in FY15, a year prior to the introduction of AQR, the system level gross and net NPA ratios stood at 4.3 per cent and ...
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