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Regulatory Forbearance: An Emergency Medicine, Not Staple Diet! 207

Figure 6: Higher Restructuring during Forbearance

Source: RBI STRBI Table No 13 on Loans subjected to restructuring
Figure 7: Higher Restructuring by PSBs

Source: RBI STRBI Table No 13 on Loans subjected to restructuring
Public: Restructured loans as a share of total loans for public sector scheduled commercial banks
Private: Restructured loans as a share of total loans for private sector scheduled commercial banks
Figure 8: Gross Non-performing Assets and Restructured loans

Source: RBI STRBI Table No 58 on Gross and Net NPAs of SCBs.
GNPA: Gross NPA as a share of total loans
GNPA + Restructured loans: Sum of Gross NPA and Restructured loans as a share of total loans