"The industry-level credit exposure trends are driven by either growth or slowdown in fresh loan disbursals, changes in utilisation levels of existing limits or changes in the percentage of exits of existing limits," Cibil Managing Director and Chief Executive Officer Satish Pillai said.
As the growth in the denominator goes down, there has been an improvement in the asset quality with the gross non-performing assets (GNPA) ratio for the commercial segment improving to 16.8 per cent in the year ended September 2019 as against 17 per cent a year ago, the report said.
It also added that the trend of an increase in share for the private banks continued at the expense of the capital-starved state-run lenders.
The share of private banks in the overall commercial credit stands at 38.9 per cent, up from 36.3 per cent in the year-ago period, while the same for state-owned lenders has come down to 48.2 per cent from 51.2 per cent, it said.
Surprisingly, the troubled non-bank lending segment seems to be holding or even growing on to its shared which stood at 12.8 per cent as against 12.5 per cent in the year-ago period, the report said.
From an asset quality perspective, the medium sized businesses are the most problematic for the system with state-run lenders posting a GNPA of 29.3 per cent, NBFCs 8.1 per cent and the leaner private sector banks 6.1 per cent.
The report said lending to micro, small and medium enterprises has increased for smaller borrowing size and lower duration borrowers, it said.
(Only the headline and picture of this report may have been reworked by the Business Standard staff; the rest of the content is auto-generated from a syndicated feed.)
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