A committee of Reserve Bank of India (RBI) has reviewed the Non-performing Assets (NPA) of banks and has realised that out of a total of 500 NPA accounts, just 12 are responsible for a whopping Rs. 8 lakh crore bad debts. The 12 accounts account for nearly 25 per cent of the bad debts with banks. Action will be initiated against all the 500 identified NPA account holders, as per the recommendations of RBI committee. Defaulters include Liquor baron Vijaya Mallya.