Capital Adequacy Norms in Hindi | Basel Accord |Capital To Risk Weighted Assets Ratio (CRAR)

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Non Performing Assets - NPA are bad loans of banks. The criteria to identify such Assets have been changing over the Time. In order to to Follow International best Practices and to Ensure greater transparency, the RBI shifted to the current Policy in 2004.Under it, a loan is considered NPA if it has not been serviced for one term( 90 days) . This is know as 90 days over due Norms. For agriculture loan the period is tied with the period of the conserned crop- ranging from two crop seasons to one year over due Norms. NPA were classified into three Types- 1.Sub standard: remaining NPA for less than or equal to 12 months 2. Doubtful : remaining NPA for more than 12 months 3. Loss Assets: where the loss has been identified by the Bank or internal / External auditors or the RBI inspection, but the amount has not Been written off. Actually growing NPA is a big problem towards banking system.so Basel committee on banking supervision - BCBS represent capital adequacy norms which is a safety measures for banks.The capital adequacy ratio is the percentage of total capital to the total risk weighted Assets.CAR or CRAR is a requirement that was imposed upon banks to maintain a certain Capital to their total risk weighted assets.पूँजी पर्याप्तता मानक क्या है,पूँजी पर्याप्तता अनुपात,पूंजी पर्याप्तता अनुपात हिंदी में,बेसल कमेटी,बेसल मानक और बैंक,पूंजी पर्याप्तता क्यों आवश्यक है,capital adequacy ratio,capital to risk weighted assets ratio,capital adequacy ratio in hindi,Definition of capital adequacy ratio,explained capital adequacy,explain capital adequacy norms,capital adequacy ratio explained,capital to risk weighted assets ratio (crar),capital to risk asset ratio meaning