BS Banking Annual 2018: IBC is helping improve recovery substantially

Edited excerpts from a discussion at the Business Standard Banking Round Table held in Mumbai

Is the worst behind us in terms of non-performing assets (NPA)? 

Rajkiran Rai G: The trend is very clear, gross NPAs are going to come down, slippages are moderating. But we never use this phrase, “the worst is behind us”. Whenever we used this phrase, usually that quarter was bad with something different. We are now fed up of making this statement. If you ask me if good times are ahead of us, yes, very much because now NPA slippages are moderating. In the system as a whole, the recognition part of NPA is coming to an end. We will