& çâÌæÚUæð´ ·¤è ¥ôÚU Îð¹Ùæ ÁæÚUè ÚU¹ð´ ¥ÍæüÌ ¥ÂÙð ÜÿØ ÂÚU ŠØæÙ ÚU¹ð´Ð ãæÚU Ù ×æÙð´, €UØô´ç·¤ ·¤æ× ·¤ÚUÙð âð ¥æÂ·¤ô ©gðàØ ·¤è Âýæç# ãôÌè ãñ ¥õÚU ÁèßÙ ·¤æ ¹æÜèÂÙ ÎêÚU ãôÌæ ãñÐ ÖÜð ãè ÁèßÙ ×ð´ ç·¤ÌÙè Öè ·¤çÆÙæ§ü €UØô´ Ù ¥æ°, çÁ™ææâæ ¥õÚU ©ˆâæã ÕÙæ° ÚU¹ð´Ð ŠØæÙ ÚU¹ð´, ÜÿØ ã×ðàææ ¥æÂ·Ô¤ Âæâ ãôÌð ãñ´ çÁ‹ãð´ ÂæÙð ·Ô¤ çÜ° ÂýØæâ ¥æÂ ·¤Öè Öè àæéM¤ ·¤ÚU â·¤Ìð ãñ´Ð

Bad loans need more vigilance: experts

Star Business Report
The government should develop a separate bench to facilitate quick disposal of cases on nonperforming loans, economists and bankers said on Saturday.
Banks are facing problems in managing such loans due to delay in case disposals in court, said Salehuddin Ahmed, former governor of Bangladesh Bank.
The capacity of managing the bad loans will increase if the bankers could solve cases quickly, Ahmed said.
Bad loans are an inevitable burden on the banks and financial institutions, he said.
He spoke at a discussion on how to manage non-performing loans, organised by Agrani Bank and Financial Excellence at Gulshan Club in Dhaka.
The central bank should not allow loan write-offs as it weakens banks, Ahmed said.
Foreign borrowing for the private sector should not be encouraged, as there is excess liquidity in the market, he said.
Preventive and curative strategies should be taken to manage the bad loans, Syed Abdul Hamid, managing director of Agrani Bank, said in his keynote speech at the programme.
Hamid said banks should not compromise on diligence during the sanctioning process, keeping in mind that "prevention is better than cure".
They should fix targets for recovery and take time-bound action programmes, he said, adding that banks should also identify risky borrowers in credit portfolio.
He suggested monitoring for symptoms of non-performance in the early stages and keeping checks on movement of financial indicators to avert such loans.
Bankers are required to remain vigilant over the status of their
credit portfolio, and they should take immediate retrieval measures if any indication of deterioration of performance of borrower is found, he said.
Banks and financial institutions must identify the causes behind the loans becoming non-performing, and assess the repayment capability of the borrower properly while considering the rescheduling proposal to cut rescheduling propensity, he said.
No consideration should be accorded for rescheduling if the borrower is a habitual loan defaulter; rather legal action should be initiated for recovery, he said.
Recovery drive for the written-off portion of loan should also be continued in the same spirit as for the ones listed on the balance sheets as non-performing, he said.
Banks should constitute special asset management units tasked with all out efforts to recover written-off loans, he said.
Advances taken from consortiums should be based on the record of recovery of the individual member banks, as well as other aspects which affect the recovery of these advances, he said.
Abu Ahmed, economics professor at Dhaka University, said higher interest rate is discouraging private sector investment.
The interest rate should be brought down to a single digit to boost investment in the country, he said.
Allowing big borrowers to borrow from foreign markets will weaken business of the local banks that are sitting on huge cash reserves, he said.
Prime Minister's Economic Affairs Adviser Mashiur Rahman suggested better risk management to improve the bad loan situation.
The government, bankers and borrowers should work together to reduce non-performing loans, he said.