Declaration/Disclaimer
- About the Book
- About the Authors
- Preface
*1. Banking Sector during the Pre-reforms Period (1947 to 1990)*
- *1.1* Banking in the Early Years of Independence
- *1.2* Nationalisation of Imperial Bank of India (1955)
- *1.3* Nationalisation of Commercial Banks (1969 and 1980)
- *1.4* Rethinking on State Domination of Banking Sector
*2. Banking Sector Reforms and Banking Laws*
- *2.1* Banking Sector Reforms: The Background
- *2.2* Objectives of Banking Sector Reforms
- *2.3* Components of Banking Sector Reforms
- *2.4* Impact of Banking Sector Reforms
- *2.5* Classification of Commercial Banks
- *2.6* Legal Framework for Banking Sector
- *2.7* Ownership and Governance of Banks
*3. Credit Allocation Policies of the Banks*
- *3.1* Allocation of Credit
- *3.2* Priority Sector Lending
- *3.3* Credit Market Reforms
- *3.4* Flow of Credit to Agriculture and Allied Activities
- *3.5* Credit Flow to Micro, Small, and Medium Enterprises (MSMEs)
- *3.6* Credit to Export Sector
- *3.7* Expert Group on Credit-Deposit Ratio, 2005
*4. Prudential Regulatory Framework and Supervision*
- *4.1* Need for Regulation and Supervision
- *4.2* Regulatory and Supervisory Policies Prior to Reforms
- *4.3* Regulatory and Supervisory Policies since 1991
- *4.4* Modernisation of Banking Regulation and Supervision
- *4.5* On-site and Off-site Supervision
- *4.6* Risk Based Supervision (RBS)
- *4.7* Board for Financial Supervision
- *4.8* Mergers and Amalgamation of Banks
- *4.9* Exposure Norms
- *4.10* Transparency and Disclosures
- *4.11* Securitisation of Standard Assets
- *4.12* Anti-money Laundering Guidelines
- *4.13* Credit Information Bureau of India Ltd. (CIBIL)
*5. Asset Classification, Income Recognition and Provisioning*
- *5.1* Types of Assets
- *5.2* Guidelines for Classification of Assets
- *5.3* Income Recognition
- *5.4* Provisioning Requirements
*6. Non-performing Assets (NPAs): Causes, Impacts and Remedial Measures*
- *6.1* NPAs: The Financial Malady
- *6.2* What is a Non-performing Asset (NPA)?
- *6.3* How the Problem of NPAs Evolved over the Years?
- *6.4* Reasons for the Rise in NPAs
- *6.5* Select Observations by Financial Experts
- *6.6* Financial Stability Report of RBI
- *6.7* Impact of NPAs on Banks
- *6.8* Remedial Measures
- *6.9* NPAs: A Critical Appraisal
*7. RBI Guidelines on Treatment of Assets as NPAs*
- *7.1* Record of Recovery
- *7.2* Borrower-wise and not Facility-wise
- *7.3* Agricultural Advances
- *7.4* Housing Loans to Staff
- *7.5* Credit Guaranteed by Central/State Government
- *7.6* Project Financing
- *7.7* Prudential Guidelines on Restructuring of Advances
- *7.8* Incentive for Quick Implementation of the Restructuring Package
- *7.9* Asset Classification Benefits
- *7.10* General Guidelines on Frauds
*8. Frauds: Reporting and Review*
- *8.1* Background
- *8.2* Key Elements of Early Warning System (EWS)
- *8.3* Reporting of Frauds to RBI
- *8.4* Frauds Committed by Unscrupulous Borrowers
- *8.5* Frauds Involving ₹ 100 lakh and Above
- *8.6* Attempted Frauds
- *8.7* Guidelines for Reporting Frauds to CBI/Police
- *8.8* Quarterly Review of Frauds
- *8.9* Annual Review of Frauds
*9. Case Studies on NPAs-I*
- *9.1* Surya Vinayak Industries Limited
- *9.2* Sterling Biotech Limited (SBL)
- *9.3* Varun Industries Ltd.
- *9.4* Zoom Developers Pvt. Ltd.
- *9.5* Century Communication Limited
*10. Case Studies on NPAs-II*
- *10.1* Orchid Pharma
- *10.2* Corporate Ispat Alloys Limited (CIAL)
- *10.3* Electrotherm (India) Limited
- *10.4* Winsome Diamonds and Jewellery Limited
- *10.5* Kingfishers Airlines Limited
*11. Future Challenges for the Banking Sector*
- *11.1* Technological Solutions for Financial Services
- *11.2* Financial Globalisation
*Bibliography/References