What is PCR? | Provision Coverage Ratio & Public Credit Registry | Bank Interview series 2026

Описание: 🔍 Question: What is PCR (Provision Coverage Ratio) or (Public Credit Registry)? 🏦

👉 Provision Coverage Ratio (PCR) shows how much a bank has set aside provisions against bad loans (NPAs). It’s a key metric to measure a bank’s ability to absorb losses — the higher the PCR, the stronger the bank’s buffer against bad assets. 💹

📌 Public Credit Registry (PCR) is an RBI-led digital database that stores credit info of borrowers — helping lenders, regulators & borrowers get complete credit history in one place. 🌐

Perfect concept for BANK interviews & competitive exams! 🧠

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