BANKS GIVES LOANS AND ADVANCES TO BORROWERS BUT THE PROBLEM ARISES WHEN BANKS ARE NOT ABLE TO GET THE AMOUNT ALONG WITH INTEREST WHICH BANKS LEND TO THEIR CLIENTS. AS ON 31ST MARCH 2018 THE TOTAL NUMBER OF NPA IN ECONOMY STANDS AT 10.34 LAKH CRORES WHICH IN TURN IMPACT THE PROFITABILITY OF BANKS ADVERSELY. THROW THE LIGHT ON ABOVE STATEMENT?

DUE TO COVID19 RBI HAS CHANGED THE MORATORIUM PERIOD OF LOANS, DISCUSS THE IMPACT OF THIS DECESION ON BANK'S PERFORMANCE? ALONG WITH THIS ALSO EXPLAIN HOW PRICING OF LOANS IS DECIDED AND WHAT FACTORS AFFECT THE PRICING OF LOANS?