<h1>Economic Survey 2019-20: IBC Boosts Insolvency Resolution, Banking Sector Sees Mixed Trends with Improved CRAR and Contained NPAs.</h1> The Economic Survey 2019-20 highlights significant improvements in India's insolvency resolution process due to the Insolvency and Bankruptcy Code (IBC), reducing the average resolution time from 4.3 years to 340 days and increasing recovery rates. The Capital to Risk Weighted Asset Ratio (CRAR) of Scheduled Commercial Banks improved, while the Non-Performing Asset (NPA) ratio was contained at 9.3%. Personal loans showed robust growth, although overall bank credit growth slowed. The survey also noted weak monetary transmission, increased foreign investments, and record highs in benchmark indices, despite stress in Non-Banking Financial Companies (NBFCs) and a slight rise in their Gross Non-Performing Advances.