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Financial Institutions and Services
Notes 8. “Banks are required to maintain some provisions for doubtful assets.” Discuss.
9. How banks sale their NPAs to other banks?
10. “Treatment of term loans as NPA is different from cash credit or overdraft.” Discuss.
Answers: Self Assessment
1. 1 to 3 2. Loss assets
3. two quarters 4. cash credit or overdraft account
5. sub-standard asset 6. 20 lacs
7. 10 lacs 8. unsecured exposures
9. True 10. False
11. False 12. True
13. False 14. True
15. True
15.9 Further Readings
Books Banking Regulation Act 1949
Bharti Pathak, “The Indian Financial System”
Jha, S M. “Service Marketing” Himalaya Publishing House, New Delhi
L. M. Bhole, Financial Institutions and Markets, TMH
Machiraju, Indian Financial System, Vikas
Mithani and Gorden, “Banking and Financial System”, Himalaya Publishing House,
Mumbai
Pathak, Indian Financial System, Pearson Education
Prasad K, Nirmala, J Chandradas “Banking and Financial System” Himalaya
Publishing House, Mumbai
Sunderaram and Varshney, “Banking Theory, Law and Practice” Sultan Chand and
Sons, New Delhi
Vijayaragavan Iyengar, ”Introduction to banking”
Online links www.rbi.org.in
www.business.gov.in
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