Knowledge Themes

Non-Performing Assets (NPA)

Insolvency and Bankruptcy Code (IBC)

SARFAESI Act 2002

Asset Reconstruction Companies (ARC)

Recapitalization of PSBs

Prompt Corrective Action (PCA)

Mission Indradhanush

Narasimham Committee Recommendations

Twin Balance Sheet Problem

Basel III Norms

National Asset Reconstruction Company Limited (NARCL)

PJ Nayak Committee

Asset Quality Review (AQR)

Bank Board Bureau (BBB)

Indradhanush Framework for PSBs

Priority Sector Lending (PSL) NPAs

Financial Stability Report (FSR)

Capital to Risk-Weighted Assets Ratio (CRAR)

Structural Subtopics

Definition and classification of NPAs (Substandard
Doubtful
and Loss assets)
Gross vs Net NPAs and Provisioning Coverage Ratio
Causes of the Twin Balance Sheet problem in India
Impact of NPAs on bank profitability and credit transmission
RBI’s Asset Quality Review (AQR) and Prompt Corrective Action (PCA) framework
Insolvency and Bankruptcy Code (IBC) and its effectiveness in resolution
Role of National Asset Reconstruction Company Limited (NARCL) or Bad Banks
Government’s 4R strategy (Recognition
Resolution
Recapitalisation
and Reforms)
Recapitalisation of Public Sector Banks through bonds and budgetary support
Indradhanush plan for systemic reforms in PSBs
Governance reforms including the role of Banks Board Bureau (Financial Services Institutions Bureau)
SARFAESI Act and Debt Recovery Tribunals (DRT) for recovery
Impact of loan write-offs vs loan waivers on the banking ecosystem
Difference between wilful defaulters and genuine business failures

Full AI-synthesized study material for Banking Sector — NPA Crisis, Recapitalisation & Reforms is being calibrated.