ICICI बैंक ने पर्सनल लोन में क्यों धीमी की रफ्तार

ICICI बैंक ने दिसंबर तिमाही में पर्सनल लोन ग्रोथ को धीमा कर दिया है। इसका मुख्य कारण बढ़ते एनपीए (डूबे कर्ज) और रिस्क मैनेजमेंट है।

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दिसंबर तिमाही में बैंक के ₹6,085 करोड़ के कुल एनपीए में से ₹5,304 करोड़ खुदरा और ग्रामीण लोन से जुड़े थे।

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इन ₹5,304 करोड़ में ₹714 करोड़ का एनपीए किसान क्रेडिट कार्ड से आया

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बैंक का पर्सनल लोन पोर्टफोलियो सालाना 8.8% बढ़ा, जबकि पिछले साल की तुलना में यह ग्रोथ 30% के करीब थी।

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आरबीआई ने पिछले साल बिना सिक्योरिटी के लोन में बढ़ते जोखिम को लेकर चेतावनी दी थी

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ICICI बैंक का कुल लोन पोर्टफोलियो सालाना 15.1% बढ़ा। लेकिन पर्सनल लोन में ये ग्रोथ धीमी रही।

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दिसंबर तिमाही में बैंक ने ₹3,392 करोड़ की रिकवरी की, जिसमें से ₹2,786 करोड़ खुदरा से थे

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बैंक अब बिजनेस बैंकिंग और औपचारिक क्षेत्र पर ध्यान दे रहा है।

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ICICI बैंक ने पर्सनल लोन ग्रोथ को जोखिम कम करने के लिए धीमा किया है।

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