NPL has impact than this moratorium

Subject to approval noobs

Another layman on the street who have no idea how banking institution works.

Hello, go read up on capital conservation buffers. I already mentioned earlier. Banks have built up alot of capital reserves since global financial crisis. Now it is time to use this reserve.

Your FD interest, saving a/c interest etc actually comes from the loan interest, bank is just the middleman taking their cut of profit. if there is no accrued interest for existing loans for 6 months, expect profit goes down or bank will be giving less deposit interest once your FD matures.

for every winner, there are always losers. there is no free lunch for everybody in this world. if you get a free lunch, means someone else will lose money.