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28th June - The Hindu Editorial - Part-1(in Hindi)
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Subhodeep Das is teaching live on Unacademy Plus

Subhodeep Das
VIT University graduate with Mechanical , Appeared in UPSC Mains with Geography Optional . 4+ yr. Teaching Experience

Unacademy user
Mam that was a good video... For working aspirants.. But what suggestions for those who has decided to start the preparation but they don't know where to start preparation what should be the first step? What would you suggest to beginners??
Khushboo Kumari
2 months ago
Hi Shruti, You should start with NCERTs.
  1. EDITORIAL DISCUSSION 28th June THE HINDU unacademy


  2. Rethinking the referendum Reality check Cautlion agalinst shaming RBI report warns that the worst on NPAs may be yet to come. Urgent changes are needed S. UBHODEEP


  3. EDITORIAL DISCUSSION 28th June THE HINDU unacademy


  4. The financial stability report released by the Reserve Bank of India on Tuesday has warned that the gross non-performing assets (GNPAs) of scheduled commercial banks in the country could rise from 11.6% in March 2018 to 12.2% in March 2019, Which would be the highest level of bad debt in almost two decades. Affecting credit growth in the economy. The GNPA of banks under the prompt corrective action framework, in particular, is expected to rise to 22.3% in March 2019, from 21% this March. UBHODEEP


  5. RBI believes that this will increase the size of provisioning for losses and affect the capital position of banks the capital to risk-weighted assets ratio of the banking system as a whole is expected to drop from 13.5% in March 2018 to 12.8% in March 2019. The deteriorating health of banks is in contrast to the economy, which is on the path to recovery, clocking a healthy growth rate of 77% during the last quarter. RBI, however, has warned about the rising external risks that pose a significant threat to the economy and to the banks. UBHODEEP


  6. The tightening of monetary policy by the United States Federal Reserve and increased borrowing by the U.S. government have already caused credit to flow out of emerging markets such as India. The increase in commodity prices is another risk on the horizon that could pose a significant threat to the rupee and the country's fiscal and current account deficits. All these factors could well combine to increase the risk of an economic slowdown and exert pressure on the entire banking system UBHODEEP


  7. Report findings : public sector banks (PSBs) are far more prone to fraud than their private sector counterparts huge scam unearthed at a Punjab National Bank branch earlier this year. RBI notes that more than 85% of frauds could be linked to PSBs, even though their share of overall credit is only about 65%. Serious corporate governance issues faced by public sector banks, which to a large extent also contributed to the lax lending practices that are at the core of the NPA crisis UBHODEEP


  8. Governance reforms at PSBs, if implemented, can help improve their financial performance and also reduce their operational risks. The RBI expects the government's recapitalisation plan for banks and the implementation of the Insolvency and Bankruptcy Code to improve the capital position of banks. UBHODEEP


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