@article {article1266,
    title       = {Bad loans are just the tip of the iceberg},
    author      = {Ranjit K Pattnaik,Jagdish Rattanani},
    journal     = {Foundation of The Billion Press},
    date     = 2018-07-04,
    year     = 2018,
    url     = https://www.thebillionpress.org/columns/economy/bad-loans-are-just-tip-iceberg-1266,
	Abstract 			= {Eight years and 17 reports later, it is not clear if “pre-emptive” actions have worked to control some of the messes that are all too obvious in the system. One of the key failures remains the rising tide of Non-Performing Assets, or NPAs, which stands out in the latest FSR as one of the deeper (though not the only) risks to financial stability.}
  }