The ‘clean banking’ drive has started showing results with public sector banks (PSBs) increasingly adopting prudent business approach, replacing aggressive lending practices. The NPA crisis brought an opportunity for the introduction of responsible and responsive banking. All the PSBs, which [collectively] have about 75% market share, decided last year to adopt EASE (Enhanced Access & Service Excellence), ushering in paradigm shift in their approach. Banks in the first quarter of 2018-19 have made a recovery of Rs.36,551 cr., registering a 49% growth over the year-earlier period. Bank accounts of about 2.29 lakh shell firms have been frozen. Banks are already checking for fraud in all bad loans of more than Rs.50 cr. The government also decided to provide Rs.2.11 lakh cr. capital support to the banks to maintain regulatory capital requirement as per risk norms.