Question
Which of the following areas are monitored in a PCA
framework for evaluating whether the Non Banking Finance Companies (Deposit-taking and Non-deposit taking) is to be brought under the ambit of Prompt corrective action or not? Read the following passage and answer the next 5 question Central Bank along with a clutch of other lenders was placed under RBI's prompt corrective action (PCA) in 2017 after the regulator found some state-run lenders were in breach of its rules on regulatory capital, bad loans and leverage ratios. Since then all the lenders except Central Bank have improved their financial health and come off RBI's PCA list. A bank under PCA faces greater scrutiny by the regulator and may face lending and deposit restrictions, branch expansion and hiring freezes and other limitations on borrowings. The RBI introduced these norms at a time when Indian lenders were battling record levels of soured assets, prompting the RBI to tighten thresholds. Source: economictimesSolution
PCA Framework monitors the NBFCs in the following areas 1.   NBFCs-D and NBFCs-ND are monitored in the areas of Asset Quality and Capital 2.   CICs are monitored in the areas of Asset Quality, Capital and Leverage.  PCA Framework tracks the following indicators of NBFCs 1.   For NBFCs-D and NBFCs-ND the framework will track indicators like Capital to Risk (Weighted) Assets Ratio (CRAR), Net NPA Ration (NNPA), Tier-1 Capital Ratio. 2.   For CICs, the indicators are NNPA, Adjusted Net Worth/Aggregate Risk Weighted Assets and Leverage Ratio.  The NBFCs will be put under the PCA Framework on the basis of the audited Annual Financial Results along with the Supervisory Assessment done by the RBI. However, RBI can impose this framework during the course of the accounting year itself if the existing circumstances so demand. Â
In temperate climates, pruning should not be done near the end of the summer because :
Consider the following stages:
1. Spore germination      Â
2. Embryo infection
3. Spore on flower grain
4. Infected g...
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