Finance Ministry has asked banks to constitute high level team for recovery of NPAs. Present prudential norms for identifying and recognizing NPAs enumerated by RBI has created hidden reserves in Bank Books by way of provisions along with unrecognized interest and charges. If Banks marshal their resources in recovery of old loss assets, they can free large funds and write back provisions and incomes making their bottomline strong. This can help them to go slow on restructuring of existing loans with significant compromises. Most of the old loss assets has underlying securities by way of landed property locked in factory premises, godowns, administrative offices apart from some free land too. The market value of land has most likely gone up many times since the day of sanction and disbursement. with underlying securities, specially landed properties in the form of factory premises, godowns apart from free land.