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If IDBI bank had defaulted in the interest payment it would have provided a negative signal to investors and they would have potentially refrained from participating in AT – 1 bond issues of other banks.

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However, government revenues are nothing but tax payers hard earned money at the disposal of the government.

How will the government then ensure accountability to the tax payers?Will the funds be deployed into good banks or bad banks? At this moment, there seems to be no clarity as to where and what will be the process followed for the disbursement of funds.

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Good banks should be granted a larger share of the funds so that they can help revive the banking industry lending, which was at an all-time low in the first half of 2017.

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J and Basu.

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Hence, this study suggests that banks who manage their operational, profit and liquidity side well tend to have lower Non-performing assets (NPA).

become a freelance customer service representative ✌️【365vc.net】✌️Start with ₹500 and achieve up to 100% monthly returns. Simple, safe, and highly profitable.We suggest that banks with a good operational, profit, liquidity side should be provided with a higher portion of funds from this capital infusion to give momentum to the lending cycle.Banks that have poor/bad operational, liquidity and liquidity capacity should be provided with funds to an extent so that they can wipe off / reduce their NPAs from their balance sheet; but stringent monitoring conditions as well as severe penalties should be imposed in the future for rash lending.At a first glance, the government has averted a crisis in the entire banking system through this capital infusion, a prudent move on their part.

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Further, it should not be treated as an option which is always available – these are real extreme measures and they should thus be treated with the due importance and reverence that it deserves.Indian Savings as % of total savings for the past 4 years: Household sector & Financial Corporations savings dips[1]Professor (Finance and Control Area), Indian Institute of Management Bangalore; Email: sankarshan.basu@iimb.ac.in[3]Additional tier – 1 (AT1) securities and contingent convertible capital instruments, known as CoCo bonds, absorb losses when the capital of the issuing financial institution falls below a supervisor-determined level.become a freelance customer service representative Stock Market Investments: Low Risk, High Rewards