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- CEA Arvind Surbamanian believes that since the earlier 'alphabetical soup' of schemes (AQR, SDR, S4A, I&B Code etc.) has failed to solve NPA problem, and since 40% of the NPA is concentrated only in 60 firms, so better we create a centralized agency known as Public Sector Asset Rehabilitation Agency (PARA), which will work as a “Bad bank” and absorb the losses from the PSBs.
- But where to get the money to absorb these losses? Subramanian suggests that the demonetization of Rs. 500, and Rs.1000 rupee notes will create windfall profit for RBI, from which, this bad bank endeavor can be financed. How far is his assumption valid? We'll see in this video.
- Economic Survey also warn against the moral hazard i.e. once NPA problem is settled, the Bankers may become complacent and again resume reckless lending. Therefore, systematic reforms are required to improve the governance and administration of PSBs, for this, Subramanian and others have suggested many reforms, such as 4R4D framework, Banking investment company (BIC), Bank Board Bureau, Indradhanush Roadmap etc. all of that is compiled in this last part of the NPA lecture series.
- Faculty Name: You know who
- all Powerpoint available at mrunal.org/powe...
- Exam-Utility: UPSC IAS IPS Civil service exam, Prelims, CSAT, Mains, Staff selection SSC-CGL, IBPS-PO/MT, IBPS-CWE, SBI PO & Clerk, RBI and other banking exams; LIC, EPFO, FCI & other PSU exams; CDS, CAPF and other defense services exams; GPSC, MPPCS, RPSC & other State PCS services exams with Indian Economy, Budget, Banking, Public Finance in its syllabus- with descriptive questions and answer writing.
Негізгі бет Bank NPA #3: Bad Bank "PARA", RBI's Windfall Profit Post-Demonetization, 4R4D, BBB, BIC
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