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ARTICLE

will not be sufficient or impactful for melting the iceberg. Retrieved February 1, 2017, from http://
Otherwise again the ice will pile up and that will make this www.allbankingsolutions.com/Articles/NPA-impact-on-
iceberg only into rock for further not melting. Need of the Balance-Sheet.htm
hour is hitting it below the water line otherwise that will 8. http://www.businessdictionary.com/definition/iceberg-
wreck the ship of economy/banking industry. principle.html
9. Alok Majumdar, NPAs : Recovery Blues, Treasury
It is high time to take stringent measures to curb NPAs and
Management (Dec.2000) pp. 46-49.
see to it that the Non-Performing Assets may not turn banks
10. Special Report: NPAs Grossly Mis-understood, Business
into Non-Performing Banks; instead steps should be taken
India (Feb. 1999) pp. 60-62.
to covert Non-Performing Assets into Now-Performing
11. M.S.A. Rao, A Better Future for Banks, Indian Management
Assets.
(july 2001) pp. 1 4-16.
Bank's assets which turn NPA for genuine as well as for bad
12. Vasanth C. Joshi & Vinay V. Joshi, Managing Indian Banks
reasons need to be timely identified and remedial steps
- Challenges ahead.
taken to avoid them. Once an asset becomes NPA it
13. M.Y. Khan, How to Tackle Credit Defaults, Business Line
becomes difficult to upgrade or recover it.
(Feb. 2000) pp 6.
For banks the present situation is ……………..

Banking Promotional Exam Sample Questions – Ans. 11
"It's now or never. Do or die"
1. d. NITI Aayog
2. c. World Bank
References
3. a. First
1. Retrieved January 6, 2017, from http://www.rbi.org/
4. e. 7.2% and 7.4%
2. Resolving Insolvency - Doing Business - World Bank
5. d. Rs 3000 crore
Group. Retrieved January 6, 2017, from http://
6. c. Hindustan Unilever Limited
www.doingbusiness.org/data/exploretopics/resolving-
insolvency 7. b. TIPS
3. Debts Recovery Tribunals and Appellate Tribunals. 8. a. Allahabad Bank
Retrieved January 7, 2017, from https://www.drt.gov.in/ 9. a. Yes Bank
Pendency.aspx?page=DRTSADisposal
10. b. Maharashtra
4. Singh V. R. (2016). A Study of Non-Performing Assets of 11. e. UAE
Commercial Banks and its recovery in India. Retrieved
12. a. Swapna Barman
January 09, 2017, from http://www.scmspune.ac.in/
13. b. 7.2%
chapter/2016/Chapter%209.pdf
14. c. Paisabazaar.com
5. Selvarajan B., & Vadivalagan D. G. (2013). A Study on
15. e. Export-Import Bank of India
Management of Non-Performing Assets in Priority Sector
16. e. HCL
reference to Indian Bank and Public Sector Banks (PSBs),
13(1). Retrieved January 15, 2017, from https:// 17. a. Rs. 1,400 crore
globaljournals.org/GJMBR_Volume13/10-A-Study-on- 18. d. Rs 3,660 crore
Management-of-Non.pdf
19. c. 50%
6. Shalini H. S. (2013, January). A study on causes and 20. c. World Bank
remedies for non-performing assets in Indian public
21. b. 2.9%
sector banks with special reference to agricultural
22. e. USD 80 billion
development branch, state bank of Mysore, 2(1). Retrieved
23. d. Atul Sahai
January 22, 2017, from http://www.ijbmi.org/papers/
Vol(2)1/Version_1/D212638.pdf 24. a. Tamil Nadu
25. c. Innovators Growth Platform (IGP)
7. Non-Performing Assets Impact on Bank Balance Sheet.

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