Notes and Study material for Exams
The Insolvency and Bankruptcy Code (IBC): A Catalyst for Economic Growth and Financial Stability The Insolvency and Bankruptcy Code (IBC) of 2016 stands as a landmark legislation in India’s economic landscape, aiming to streamline the process of resolving corporate distress and promoting a healthy credit culture. This comprehensive framework, replacing a fragmented and cumbersome system, … Read more
The Wilful Defaulter: A Deep Dive into the World of Intentional Debt Avoidance The concept of a “wilful defaulter” evokes images of individuals deliberately shirking their financial obligations, leaving a trail of unpaid debts in their wake. While this portrayal might hold true in some cases, the reality is far more nuanced. This article delves … Read more
The Complex World of Non-Performing Assets (NPAs): A Comprehensive Guide to Classification and Management Non-Performing Assets (NPAs) are a significant concern for financial institutions worldwide. They represent loans and advances that have ceased to generate income for the lender, posing a serious threat to the stability and profitability of the banking sector. Understanding the classification … Read more
The Shadow of Non-Performing Assets: A Deep Dive into the Financial Threat Non-performing assets (NPAs) are a persistent and often overlooked threat to the stability of financial institutions and the overall economy. These are loans or other financial assets that have ceased to generate income for the lender, posing a significant risk of default and … Read more
The Narasimham Committee – II: Reshaping India’s Financial Landscape The Indian financial sector, in the early 1990s, was characterized by a complex web of regulations, inefficient institutions, and a lack of competition. This stifled innovation, limited access to credit, and hampered economic growth. Recognizing the need for a radical overhaul, the Indian government appointed the … Read more
The Narasimham Committee – I: A Catalyst for India’s Financial Reforms The Indian financial sector in the late 1980s and early 1990s was characterized by inefficiency, lack of competition, and a heavy reliance on government control. This led to a stagnant economy and hindered growth. Recognizing the need for radical reform, the Indian government established … Read more
The Nationalization of Banks: A Historical and Contemporary Analysis The nationalization of banks, a process where the government takes ownership and control of private banking institutions, has been a recurring theme in economic history. This complex and often controversial policy has been implemented in various countries across the globe, driven by a range of motivations, … Read more
The Merging Landscape: A Deep Dive into Bank Mergers The financial world is a dynamic ecosystem, constantly evolving in response to market forces, technological advancements, and regulatory shifts. One of the most prominent trends in recent years has been the surge in bank mergers, a phenomenon driven by a complex interplay of factors. This article … Read more
The State Bank of India: A Colossus of Indian Banking The State Bank of India (SBI), a behemoth in the Indian financial landscape, stands as a testament to the nation’s economic growth and financial inclusion. From its humble beginnings as the Bank of Calcutta in 1806, SBI has evolved into a global financial powerhouse, playing … Read more
A Journey Through Time: The History of Banking in India The story of banking in India is a fascinating tapestry woven with threads of tradition, innovation, and resilience. From the ancient era of money lenders and indigenous banking systems to the modern era of digital finance, India’s banking landscape has undergone a remarkable transformation. This … Read more