[PDF] [PDF] Staff College Bengaluru 11 nov 2021 · Union Micro

View - Download [PDF] Staff College Bengaluru

Previous PDF

Next PDF

Compiled By: Staff College Bengaluru Page 1

Staff College, Bengaluru

Disclaimer: This is purely a voluntary effort for dissemination of knowledge and enabling people to prepare for

promotion test. Best efforts have been put to provide the accurate and updated information. However, the

users are requested to refer relevant circulars and policies of our Bank for further clarity ²

11.11.2021

Compiled By: Staff College Bengaluru Page 2

Compiled By: Staff College Bengaluru Page 3

Financial Results of our bank ²Sep-2021-At a Glance

Business parameters:

(Rs. in Crore)

Parameter MARCH

2019
MARCH 2020
MARCH 2021
JUNE 2021
SEP 2021

€Ǖ› 噝 ȡ™ Total

Business

(Ȱǔae€ Global)

741307

797589

1577489

1553619

1548605

€Ǖ› 噝 ȡ™ Total

Business

724031 773244 1559299 1537304 1532370

‡˜ȡ Deposit(Ȱǔae€

Global) 415915 450668 923805 908528 914022

Domestic) 413099 447019 921627 907067 913233

\ͬĒ˜ Advances (Ȱǔae€

Global) 325392 346921 653684 645091 634583

Domestic) 310932 326225 637672 630237 619137

žǕɮ" ›ȡ— NET PROFIT -2948 -2898 2906 1181 1526 €ȡ ȡ CASA % 36.10 35.6% 36.33% 36.39% 37.16%

Basel III)

11.78 12.81 12.56 13.32 13.64

Global) 2.23 2.29 2.71 3.08 2.95

Compiled By: Staff College Bengaluru Page 4

Global)

‡Ȣf“"Ȣf GNPA (%)

14.98 14.15 13.76 13.6 12.64 f“f“"Ȣf NNPA (%) 6.85 5.49 4.62 4.69 4.61 66.24
73.64
81.27
81.43
81.77

Branches (ûēĸĕij Domestic )

4288
4281
9312
9312
9274

WHAT IS BANKING?

Banking is defined in section 5(b) of the BR Act as the acceptance of deposits of money from the public for the purpose of lending or investment and repayable on demand or otherwise and withdrawable by cheque, draft, and order or otherwise Under sec 49A of BR Act, no person other than a Bank is authorized to accept deposits withdrawable by cheque Section 8 of BR Act prohibits a Banking company from engaging directly or indirectly in trading activity and undertaking trading risks.

What is Para Banking:-

In recent past banks are providing various ancillary services such as : Opening and operating Demat Accounts for securities and shares transactions

Sale of Units of Mutual Funds

Compiled By: Staff College Bengaluru Page 5

Portfolio Management services

Wealth management services

Merchant Banking Services

Bancassurance - Sale of Insurance Products [life as well as non-life] Setting up of subsidiary to carry out insurance business

Credit Cards, Tax collections

Utility payment services

Providing facility of purchase of Railway /Airway ² tickets/Stamp Vending etc. These activities are known as Para Banking activities.

Banking System in India:-

The formal Banking system in India comprises of the Reserve Bank of India (central Bank), Commercial Banks, Private Banks, Regional Rural Banks and the Cooperative Banks. The apex institution in the Banking System in India is the Reserve Bank of India which is a regulator of banking system in our country. Scheduled Bank: The Scheduled Bank is a status conferred on a banking company either Commercial Bank or Co-operative Bank by RBI by including the bank in the list at the second schedule to RBI Act, 1934. Bank becomes Scheduled Bank on issuing notification by RBI. Section 42 of the RBI Act lays down certain conditions like: (a) must satisfy the RBI regarding its functioning being conducted in the

Reserve Bank of India

Scheduled Banks

Co-operative

Banks

Commercial

Banks Urban

Co-operative

Banks State

Co-operative

Banks

Foreign

Banks

Private Sector

Banks

Public Sector

Banks

Regional Rural

Banks

State Bank of India

& Associates

IDBI Bank

Other Nationalized

Banks

Compiled By: Staff College Bengaluru Page 6

interest of the general public ² Depositors. The bank is not indulging into any speculative activities. (b) Paid-up capital and reserves should not be less than Rs. 5 Crores (c) The financial company must be a bank notified by the Central Government. Scheduled banks are usually private, foreign and nationalized banks operating in India. Co-operative Banks: Co-operative Banks were first introduced into India in 1904 by passing the Co-operative credit Society Act. This form of organization was intended to provide rural credit to the agriculturists and artisans coming together in voluntary association and also educating them in the use of credit and inculcating the habit of savings, co-operation and self-help. All the co-operative credit societies were brought under the purview of the Banking Companies Act in 1966. Regional Rural Banks: In 1976, the Regional Rural Banks Act was enacted to provide the incorporation, regulation, for developing the rural economy by providing credit and other facilities to the small farmers, artisans, craftsmen, landless laborers and the small entrepreneurs for starting trade, agriculture, commerce, industry and other productive activities in rural areas. Reserve Bank of India: The main purpose of formation of the bank was to regulate the issue of bank notes and to ensure maintenance of cash reserve by banks with a view to securing monetary stability in India. In 1934 the GOI passed the Reserve Bank of India Act which came into effect from 6th March 1934 (on recommendations of John Hilton Young Commission 1926 ² called Royal Commission on Indian Currency & Finance) and it commenced its operation on 1st April, 1935.

The bank was nationalized on 01st January 1949.

Functions of RBI

1. Regulator of the financial System

2. Note issuing Authority

3. Banker to Government / Advisor to Government

4. Monetary and Credit Control Authority

5. Controller of Credit

6. Regulates transactions in Foreign Exchange

Compiled By: Staff College Bengaluru Page 7

7. Regulator of the Payment & Settlement System

8. %MQNHU·V %MQN

9. Collection of Information

Functions of a Bank

Management of money

Financial Intermediary ² Taking, raising ² borrowing money in the form of deposits and Lending or advancing money with or without security. *UMQPLQJ MQG LVVXLQJ OHPPHUV RI FUHGLP %MQN *XMUMQPHH PUMYHOHU·V ŃOHTXHV Payment & Settlement within the country and abroad are done through Bank

Discounting, purchasing, and collecting of bills

Promotion of various key sectors of economy resulting in growth and employment generation

Providing Safe Deposit Vaults

Government Business

Selling of Financial Products such as Insurance and Mutual Funds

Asset Management

Providing Alternative Delivery Channels

Other Financial & Advisory Services

Major Banking Sector Reforms since 1991

Reforms aimed at improving

Efficiency

Productivity

Profitability

To Inject Competition

New banks licensed in private sector

FDI & FII up to 74% allowed in private sector banks

Compiled By: Staff College Bengaluru Page 8

Listing of PSBs on stock exchanges and allowing them to access capital markets for augmenting their equity, subject to maintaining Government shareholding at a minimum of 51%. Private shareholders represented on the Board of PSBs. Progressive reduction in statutory pre-emption (SLR and CRR) to improve the resource base of banks so as to expand credit available to private sector. SLR currently at 18% (38.5% in 1991) and CRR at 4% (15% in 1991). Adoption of international best practices in banking regulation. Introduction of prudential norms on capital adequacy, IRAC (Income Recognition, Asset Classification, Provisioning), exposure norms etc. Phased liberalization of branch licensing. Banks can now open branches in Tier 2 to Tier 6 centers without prior approval from the Reserve Bank. Deregulation of a complex structure of deposit and lending interest rates to strengthen competitive impulses, improve allocative efficiency and strengthen the transmission of monetary policy.

Functional autonomy to PSBs.

Use of information technology to improve the efficiency and productivity, enhance the payment and settlement systems and deepen financial inclusion Strengthening of Know Your Customer (KYC) and Anti-money Laundering (AML) norms; making banking less prone to financial abuse. Improvements in the risk management culture of banks

EASE REFORM

Multiple factors such as high NPAs (GNPA+ Restructured Standard Advances), lack of robust lending practices, Willful default, Frauds and imminent slowdown resulted into stress in financial sector including PSBs UHIRUPDJHQGDquotesdbs_dbs22.pdfusesText_28

[PDF] Télécharger l 'Avant projet de Constitution de la Ve République - Rtb

[PDF] Avant-projet sommaire - Construire Online

[PDF] Correction Interrogation de Mathématiques A 3e Exercice 1 - Lyon

[PDF] agents cnracl/agents ircantec les agents cnracl - CDG 84

[PDF] Le Groupe Inditex: Cas de ZARA - cloudfrontnet

[PDF] Un doUble avantage

[PDF] L uniforme scolaire peut-il effacer les inégalités, et est-il - Ufapec

[PDF] Éduquer les femmes et les filles - Photos - US Department of State

[PDF] Avantages et Inconvénients des parties prenantes pour la mise en

[PDF] l 'organisation de la fonction comptable et financière - Cairn

[PDF] Le secteur informel :

[PDF] Présenter un métier: les tâches d 'une secrétaire - IS MU

[PDF] L espace Schengen un mur ou une porte - BePax

[PDF] Loi n°2017-8 du 14 février 2017 - Ministère des Finances

[PDF] LE SYSTÈME SCOLAIRE EN ALLEMAGNE Jusqu´? six ans on va ?