indian banking challenges
Current Affairs GD Topics Economic GD Topics

Challenges to Indian Banking sector

Emerging challenges:-
  • Asset quality is under tremendous pressure due to continued economic slowdown and increase in the rise of the levels of Gross nonperforming advances and NPA’s.
  • One of the major problems is Large Over dues of farmers in small
npa
Current Affairs GD Topics Economic GD Topics

How to reduce NPA?

What is NPA :-
  • ‘Non-performing Assets’ (NPA) are the loans that are not repaid and are not generating any income to the lender.
  • Around Rs. 6 lakh crore worth loans are classified as NPA as of 2017 and are causing
merger
Economic GD Topics

Merger of PSU banks – Is it really necessary?

Background :-
  • Government of India is planning to merge government owned banks to create a few strong banks that can compete in a global race.
  • PSU banks were hit hardly by Non-performing Assets (NPA). This is the reason Indian government
bank
Economic GD Topics

Banks levying charges on cash transactions – Is it a good move?

Theme :-
  • Large banks of India like SBI, HDFC and ICICI decided to impose limit on cash transactions on monthly basis and will levy charges on cash transactions exceeding free ones.
  • HDFC, ICICI and Axis banks started this charges from
SBI
Economic GD Topics

SBI merger with associate banks – Good or Bad?

Theme :-
  • State Bank of India’s five associate banks will be merged with SBI from 1st April, 2017. This is the biggest merger yet in the Indian banking industry.
Good :-
  • With this move, SBI’s assets will be 37 lakh