Banking, Payment Systems & Financial Markets

Banking Sector – Public Sector Banks (PSBs), NPA, and CRAR

Aspect

Description / Key Points

Introduction / Concept

  • PSBs: Banks where the government holds a majority stake.
  • NPA (Non-Performing Assets): Loans where the installment or interest remains overdue for more than 90 days.
  • CRAR (Capital to Risk-weighted Assets Ratio): The ratio of a bank's available capital to its risk-weighted assets.

Background

  • Financial health of banks has improved due to government reforms, the Insolvency and Bankruptcy Code (IBC), the formation of NARCL (Bad Bank), and better loan recovery.

Key Features

  • Reduction in NPA: Consistent decline in the Gross NPA (GNPA) of Public ....
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