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Manik Barbhuiya
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It's a good News that this is for the first time the Central Government is taking NPAs of the Banks seriously since the time prudential norm was introduced. It will be good if state government's are made accountable for NPAs in their states.States should be made a part of all risk management process of Banks in their respective states with particular context of loans.State Governments should be integrated to the process of Loan proposals appraisal to implementation of loan projects including utilisation of all retail loans. 

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Yes because Bad Bank will be able to concentrate on following up bad loans which the lending Banks are unable to justice to their job of following up bad loans because of other business commitments.Earlier the Bank is established the better. 

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NPA virus has made IDBI sick so also also all Banks are victims of is.One of the reason is lack of capacity of loan risk management by the Banks particularly their inefficiency in appraising loan proposals and monitoring of end use of disbursed loan. Instead of that they rely on security offered by the borrowers. 

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