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