Photo from RAMANI NV

[RAMANI NV]

[Kalyanasundaram Subramaniam]

This is simply sensationalising the issue. 

When loans/advances are extended, which is not fully backed by tangible securities, there will be default and consequently there will be write off and loss. 

No bank can fully extend loans only with more than hundred percent tangible security. 

You can't deny loans to industries/agriculture/export based on the viability of the project. 

Write off should be analysed on the following metric : Total Advances for industry - In that, percentage of NPA i.e. Gross NPA - Out of this how much is written off?

Calculating written off only from the individual borrowal accounts is similar to ignoring all the profits you have made from other performing advances and making alarm of NPA write offs. 

Politicians can mislead public with such figures, but as bankers we should analyse objectively. 

S Kalyanasundaram 

On Friday, July 24, 2026 at 3:35:33 PM UTC+5:30 RAMANI NV wrote:

[JSOMA SHEKARA]

As AIBEA can do nothing in this regard atleast  it can  ask Banks to take little more Haircut for updation.

On Fri, Jul 24, 2026 at 3:35 PM RAMANI NV <ramani...@gmail.com> wrote:

--
Visit our blog site http:://bankpensioner.blogspot.com
---
You received this message because you are subscribed to the Google Groups "bankpensioner" group.
To unsubscribe from this group and stop receiving emails from it, send an email to bankpensione...@googlegroups.com.
To view this discussion visit https://groups.google.com/d/msgid/bankpensioner/CAHrpQL1qkyhByTbYahS-rB5ECR2NCWwJiK2SJqfwV9j9Mii56w%40mail.gmail.com.

[Niranjan Cn]

Somashekarji,

Good Morning,  Really puzzling why one has to ask AIBEA for our updation ?  We (most of us) are retiree officers,  AIBOC and NCBE is having more than 2/3 strength in UFBU where AIBEA is only a minority partner.  UNLESS WE SHART ASKING AIBOC/NCBE  COMBINE - ISSUE WILL NOT BE RESOLVED.  Better not to discuss about AIBEA as it is irrelevant and waste of time/energy now.

Niranjan

Ex Canara

To view this discussion visit https://groups.google.com/d/msgid/bankpensioner/CAM%3DeiW2qvJc8XO5VM0DxoYnQL3EYMhQMXb9GMv0X0vjuddmcfA%40mail.gmail.com.