BS Banking Round Table 2017: Lower lending rates necessary

Leading bankers and a former regulator debate the key issues facing the industry and the big changes ahead

What is the biggest issue on your minds today, and the change you expect to see in banking in 2018? 

K C Chakrabarty: There is only one challenge, which is NPA (non-performing assets). We must focus on this one challenge, and solve it. What is expected as a change is that the bank balance sheet strengthening process should start, which means NPAs going down, bank capital increasing, and operating income going up.
 

Chanda Kochhar, MD & CEO, ICICI Bank

Chanda Kochhar: Whenever we think of issues,