Irrespective of the debate on recent demonetization, it is true that high volume of money entered in to the banking system. many people ,who so long preferred to stay away from banking system, are constrained to avail banking services. There is a tremendous transformation in the use digital devices , which is likely to lead […]Read More

The confidence is  reimposed on Indian banking system by an experienced professional.  http://m.firstpost.com/business/why-there-arent-many-takers-for-vinod-rais-optimism-on-bank-npa-problem-2781252.html . In fact generation of NPA is an persistent issue with the banking system and the ability to handle such eventualities by Indian banking system is time tested. The difference is in the system. The general psyche of the bank officials was affected […]Read More

Growing NPA is a genuine concern for the country, for which the decision of the top management of the banks are being questioned. The process adopted by the banks in sanction of a proposal is risk complied and is approved by various tiers of the bank. Primarily the credit policy is approved by the Board […]Read More

The general perception is that growth in NPA is weakening the performance of the banks and fixation of accountability is considered to be one of the corrective measures. As may be observed from the  data published by RBI ,  https://www.rbi.org.in/Scripts/AnnualReportPublications.aspx?Id=1159 the credit growth has come down considerably.The growth in NPA  is eventually a resultant factor, although […]Read More