The continuous rising bad debt makes the work of the banker become more hard-here is a chaotic way

1. Brief introduction: Silent storm banker is facing

Loan payment is easy. recover? A nightmare.

If you work in a bank, you already know Rise of bad debtsEssence Each quarter, more loans have become NPA (non -performing assets), and responsibility? It dripped us-employees handle customers, loans and receivables.

Headline news is only discussed Illegal and Company loan scamBut reality is a real burden belonging to Ground bankEssence The customer stopped repayment, and the manager asked to explain that the pressure piled up.

In this article, let’s break down what is happening. How does it affect a banker like us?How do you survive this confusion without losing your mind.

2. Why is the bad debt rising?

Numbers do not lie. Personal loans, credit cards and small enterprise loans are breach of contracts at the recording level.

Bleak Higher life cost = More loan breach of contract

• People have obtained a loan during the low interest rate period, but they are now struggling due to inflation.
• Under financial pressure, small companies surviving under Kurvid survived were collapsed.

Bleak Active loan in recent years

• Many banks push Unsecured loan Actively make approval easier.
• But with Unemployment and economic uncertaintyThe default value has exploded.

Bleak Customers are giving priority to paying

• Credit cards, BNPL (now buy payment) and personal loan-there are too many EMIs of PeOPLE.
• When the money is tight They stop the loan of the minimum consequences (Just like a personal loan for home loans).

3. How does NPA affect bankers

one. Management pressure

When the NPA rises, senior managers have made positive speeches Recovery goalEssence If the borrower breachs the contract, they will not blame the economy-they accuse the banks who handle the loan.

How to feel:

• “Going toh Pura Karna Hi hai.”
• “Customer KA loan Nahi Aaya toh Tujhe explained Karna Padega.”
• “Jitne is called Lagane Hain, Lagao -Paisa Aana Chahiye.”

You are forced IllegalDial an endless call, even to deal with Angry customers without moneyEssence

B. Increased pressure and the effects of mental health

More bad loans = More pressure, more stress and longer working hours.

• Must Defense to senior managementLead Daily comments, telephone and additional document workEssence
• The loan officer is Forced to push a new loanEven if they know that repayment is risky.

Bleak Related readingThe Why do most bankers fail in pressure management (how to repair within 10 minutes)

C. Customers lose trust in banks

When the bank is actively making progress, the customer will shrink.

• Some Refuse to answer the phone numberEssence
• Some A complaint on the collection teamEssence
• Some Even threatening legal actionEssence

This is Bank employees are in a difficult place-At installation between management pressure and customer frustration.

4. How to deal with this crisis (and save your reason)

one. Don’t default in person

You have not caused an economic crisis. You have no forced customer loan. Don’t let bad loans make you feel GUI.

。️ Follow the guide.
工作️ Do your job professional.
，️ Record everything to avoid unnecessary blame.

B. Protect your mental health

待️ If the customer abuses you, Discover the phone connection-You has no obligation to bear emotional pressure.
坏️ If the loan is bad, Follow the formal procedure Not panic.
✔️ Rest, appoint tasks, don’t go home with pressure.

Bleak Related readingThe Why do bank work exhaust your personal life (how to recapture)

C. There is a spare plan-starting side

The significance of the rising NPA Higher pressure and unpredictable work safetyEssence The best way to feel safe? Start a busy one to make you have financial independence.

✔️ Free writing, consulting, member marketing-bankers have many legal choices.
✔️ This is not to resign, but not trapped.

Bleak Related readingThe How do bankers start the hustle and bustle on the side to get rid of pressure and monotonous

5. Join the Bankpediaa Elite Group -Because you are worth supporting

You are not alone. Hundreds of bankers are Facing the same pressure-But the difference is Some people know how to deal with it better.

够 Do you want the strategy to survive under the pressure of NPA and target?
的 Do you need to establish financial security guidance?

Bleak Join the Bankdiaa Elite Group now! Click here

Need One -to -one help? Let us create a personalized plan for you.
Bleak Book the meeting here: Click here

Conclusion: You are not just target achievers

rise Bad debt and NPA It’s not your fault, but the pressure will still fall on you. The key is Keep calm, protect your mental health and ensure your future Beyond the goal.

Start controlling today-S small steps at a time.