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Ltd todesign, finance, construct, operate and maintain the facility for a concession
period of 20 years.
The Concessionaire was obliged to enter into a state support agreement with NHAI,
the Government of National Capital Territory of Delhi (GoNCTD) and Government of
Haryana (GoH).
arch this year, the RBI has been gradually bringing down the SLR requirement (statutory liquidity)
— government securities held by banks — in a phased manner. From 21.5 per cent of net demand
and time liabilities in the beginning of this year, the SLR requirement is down to 20.75 per cent now.
But public sector banks that continue to witness a weak credit off-take still hold at least 2-3 per cent
more than the mandated requirement.
Data from the Clearing Corporation of India (CCIL) shows that PSU banks have in fact remained net
buyers in government securities in the September quarter to the tune of about ₹31,380 crore. This is
much higher than the ₹18,000-odd crore of net purchase they made in the June quarter. A sharp fall
in bond yields this year alongside RBI’s accommodating policy stance has kept banks’ appetite for
government bonds good. As core lending business remains muted, PSU banks have been looking to
bump up their treasury income. Banks also like to carry excess investments, due to the comfort of
parking funds in highly safe assets, which can be used as collateral to borrow from the RBI.
Making hay
High gross NPAs demands higher provisioning and therefore requires higher capital plus reserves from
their members. Higher the Npa greater the burden of raising additional capital which further erodes the
profitability of banks
Return on assets is high in private sector banks while return on equity is high in public sector banks which
clearly indicate that private sector banks have optimum utilization of their assets compare to public sector
banks. One reason behind deviation is public sector banks have network in rural area also which is not
asprofitable as urban area due to which public sector banks performance is poor compare to private sector
banks.
Cost of borrowing is high in private sector banks which again indicate that they are even aggressive in
terms of raising fund through fixed deposit and other sources due to which cost of borrowing is high in
private sector banks.
Return on advance is also high in private sector banks which show high efficiency of private sector banks
in terms of giving advance and its timely recovery from borrowers. One reason behind high return on
advance is private sector banks have also high ratio of secured advance to total advance.
Although ratio of investment in non approved securities to total investment is high in private sector banks
return on investment is high in public sector banks which indicates that private banks strategy to invest in
non approved securities to generate above return is of no use as by investing in approved securities public
sector banks are able to generate more return on investment.