What Is Evergreening Of Loans? | RBI Governor Cautions Banks | Economy UPSC 2023 | BYJU’S IAS

Описание: The Reserve Bank of India (RBI) Governor Shaktikanta Das has raised red flags over banks adopting innovative methods for evergreening of loans. During the supervision of banks, the RBI noticed certain instances wherein banks were using innovative ways to conceal the real status of stressed loans.

An evergreen loan, also known as revolving credit. Evergreening of loans in banking is a practice of providing a fresh loan to repay an old loan. For example, a bank can lend money to a company to pay another bank’s loan. In this way, the first bank can maintain its balance sheet and reduce its non-performing assets (NPAs).

What is Evergreening of Loans? What is the reason for evergreening of loans? How can evergreening of loans impact Banks' NPAs? For answers to these questions and much more details watch the full video. Understand various current affairs topics, strictly from the perspective of the UPSC Civil Services Examination, subscribe to our YouTube Channel Now!!!

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