Ba 2014 1 HN PDF

Banking
&
Financial
Awareness
2) 2013
( NABARD)
?
Harsh Kumar Bhanwala (
2013

(IIFCL)
1) (National Stock
Exchange NSE) 2013
?
20 (NSE 1992
1993

NSE

(electronic medium)

Page
2 CURRENT AFFAIRS

2013
989
1,635 )

5 )
3) 10 , 2013
(Finance Secretary) ?
( 2013
..

(Expenditure Department)

1976

2014 )
4) (PSU
Banks) - (Gross Nonperforming Assets GPAs) 30
10
, 2013
? - (
30 2013
30
(IBA)
- (GNPAs)
? 35.5% (
GNPAs 30
ATM,
38.8%
GNPAs 30
72,174
91,667 )
5)
(RBI)
(eKYC (electronic
Know Your Customer)
(Financial Inclusion)
(NPCIL) 2013
Page
3 CURRENT AFFAIRS
? HDFC ( eKYC

7) (FDI)
HDFC
17 2013
(UIAI)
Tesco Plc.,
6)
11 -
(UFBU) 2013
(Trent
Hypermarket) -
14
(Deloitte)
2013 -
51% FDI
)
10) 500 500

2013
8)
(IOC)
, 2013 ? -
(RIL)
( 1,000 .
4,500
Energy Sector (
, , ,
, , ,
4,75,867 .
Page
4 CURRENT AFFAIRS
4,09,883 .
9)
()
(2,44,822 . )
2013
(2,17,771 . )
(RBI)
(5),
(6 ), (7),
IOB (IOB
(8), (9)
2014
()
Banking & Financial Awareness
KYC
(: ) )
2) 1 2014
(Eurozone)
? Latvia (
1)
(RBI)
7 2014
RBI
18

? 1 2016 (
18
(Aadhaar)
Page
5 Banking & Finance

(UIAI)

RBI

28 (EU)
9 2013
28-

17

,

)
3) (RBI) 31
2013
1
2014
(litecoins), (bbqcoins),
RBI
(dogecoins),
RBI 2013
? Clean Note
Policy ( 2013 RBI
5) 2013
(National Institute for
Micro, Small and Medium Enterprises
(NIMSME))
(National SME University)

NIMSME ?
4) (RBI) 23
2013 (Bitcoin)
21
(virtual currency) ,
2013 )
Page
6 Banking & Finance
6) 20 2013
(LIC)
(MD) ?
( 1956
LIC
( ,
4%

.. , . .
)
- 7.75%
- RBI

7)
(RBI)
8) IRDA
18 2013
2013
(LIC)
10
( )
LIC
(cash reseve ratio CRR)
IRDA
LIC
? 29 (LIC
11.72
(25 bps)
9.49 )
Page
7 Banking & Finance
(RBI
9) 23 2013
(inflation indexed bonds)
RBI
(Inflation Indexed National
Savings Securities Cumulative)
10) 20
. ,
2013
() (
, ,
37%
(60 .)
Banking &
Financial Awareness
? -7,000
(
55,000 )
2)
2014 (ATM)
Page
8 Banking & Finance

1) . 12
2014
? SBI (
SBI
7,843
10,000
3%
RBI
6% 30
2013 SBI 32,777
SBI
, , , ,
(
3)
(EPFO) 13
2014 2013-14
8.75%
RBI
Page
9 Banking & Finance

? 8.5% (EPFO
5) 10 2014
11 (CPSEs)
13

(ETF)
3,000
11 ?
EPFO 20,796.96
ONGC, (CIL),
GAIL, , REC,
(OIL),
4) (RBI) 2014
, ,
(Hong Kong and Macau)
(ETF
Bank (
China
Banking Regulatory Commission
(CBRC)
ETF

, -
6) (SEBI)
, , ,
10 2014
Page
10 Banking & Finance

SEBI
8)
(AMC)
2013
(inflation-indexed fund)
SEBI
2014 ?
? ()
Deutsche Asset
, 2013 Securities Laws
Management India DAMI (
(Amendment) Second Ordinance,
2014 -

2013 (
16 27
2013
2014
-
(IIBs)
7) 2014
? Axis
3.6%
IIBs
)
10) 12
7 9 2014
9)
(SEBI) . .
2014 2
? :
16
Engaging Diaspora:
2016 SEBI
Connecting Across Generations (
SEBI
? .. ( 1995
2002 SEBI
.. (2002-2005),
. (2005-2008) . .
(2008-2011)
)
Page
Banking & Financial Awareness 4

1)

(BMB)
(collateral) 1

Credit Guarantee Fund
Trust for Micro and Small Enterprises
CGTMSE ( CGTMSE
2014
80%
3) (RBI)
20,000
2014
4%

2% /
2)
? Urjit Patel,
Page
4) (RBI) 2014
(Foreign Portfolio Investment (FPI))
(Foreign Direct
Investment (FDI))
49%
? .. PJ Naik (..
(Chairman & CEO)
(FDI)
(FII)
7) 20 2014

5) 9000%
(dividend) 2014
Rail Tariff
Tamilnad
Authority (
Mercantile Bank TMB (
2013 10
(face value) 900
TMB
2008-09 750
1,000

, 1989
6) 20 2014
Page
(RBI) - (DeputyGovernor) ?
8)
2014 , ,
- RBI -
.. , ..
... .. (ARC Ratings
S.A.) -
, ,
10) 2013
( )
CARE ( ARC
( )
(NSE), (World Federation
Page
of Exchanges (WFE)
9) 2013
2013 NSE
7.7%
145 ,
2012 3%
NSE 51
? 1999 (
NSE
14
BSE
7.6% 1999
BSE 4000
2010
2012 3% 34.46
2013
10.4
(Shenzhen Stock
586
Exchange SSE)
129 NYSE
Euronext
SSE 38%

6.05
SBI
1)
(India Post) 2014

-
3,000
ATM 1.35 - (microATM)
5 2014 ,
ATM

?
Page
2015(

1,000 ATM
18 3,000
ATM
-
(RBI)

ICICI )
2) (RBI)
28 2014
(third quarter
monetary policy review)
(Repo Rate) 0.25%

? 8%(
EMI

(Reverse
Repo Rate) 7%
(MSR) 9%

RBI
(CRR) 4%
)
3) RBI 28 2014
Innovation Fund IIIF (
(Macroeconomic
500
and Monetary Developments Report)
20%
2013-14
, ,
GDP growth rate)
? 5%
(RBI :

5%
5) 2012-13
RBI
(GDP)
(2014-15)
31
2014 ?
5.5%
4.5% (
2013-14
4.6% )
5% 0.5%
Page
,
4) (National
Innovation Council (NInC)) .
4.5%
(Ministry of
Micro, Small and Medium Enterprises)
2002-03
27 2014
4% )
6) 30 2014
LPG
India Inclusive
9 12
? (
19,000
7,500
(BHEL) 26% ,
(SECI) 23% ,
(SSL) 16%,
97% (
(PGCIL)
16%,
15
(SJVNL) 16%
89.2% 9
(REIL)
3% )
9 12

8)
97% )
(Mumbai Monorail)
Page
2 2014
7)
4,000
29
2014
Mumbai
Metropolitan Region Development
Authority (MMRDA) (
(PSUs)
3,000
MMRDA
1,900
ATM
ATM ATM
(Wadala-Chembur)
ATM (
ATM))
10) 23 2014
, , , , ,
(Diamond
Jubilee)
Page
(MD) .
9) -
(BSE)
(Vakrangee Ltd.)
75
2014
? ,
(RBI)
1939
ATM (White Label ATM (WLA))
( RBI
15,000

ATM

1) (RBI)
(Payment System)
12 2014
Page

ATM
2) 10
2014
6 2014
(Payment Banks)
UFBU (
5-
UFBU
(IBA) 6
UFBU
IBA
3) 2014
ITI ,
(RBI) -
(White Label
ATMs WLAs)
1948
? (
, 1938 1950
(PSU)
(), ()
()
2012 RBI
2004-05
, 2007
(Payment and Settlement Systems
Act, 2007)
(Board of Industrial and Financial
17
Restructuring BIFR)
BIFR
CCEA
4) 7 2014
4,156.79
2014
10-
6) 6 2014
? , , ,
(FDI)
Page

5)
(PSU)
(revival)
Vodafone (
(Cabinet Committee
on Economic Affairs CCEA)
13 2014 ?
Windows 8
Page
8) (7th Central
7) (Indian Banks
Pay Commission)
Association IBA) 2014
? ,
(Microsoft) 8
(Windows
XP)
4 2014
IBA
( ),
(NIPFP )
( )
, -
? 34,000(
1 2016
1,100
(opportunity losses)
2013 )

330
9) (National
Organisation of Bank Workers
2001
(NOBW))
(Banking Services
Recruitment Board (BSRB))
NOBW
BSRB
10) 3 2014
(ADB)
? Teresa
Kho ( (Hun Kim)
? 2005 (
NOBW NOBW
NOBW

2014
2013-14
(fiscal deficit)
?
Page
(GDP) 4.6% (

1) . 17
2014 Vote-
4.8%
on-Account ()
2012-13
GDP 4.8%
5)
2G
200

(Venture Capital Fund)
2) 17 2014
17 2014
2013-14
? 4.5%

? IFCI
3) 17 2014

6) 17 2014
(Service
Tax) ?
2,600
7) . 17
2009 ( .
2014 (Vote-
31 2009
on-Account)
2012-13
Public Debt
1 2014
Management Agency PDMA (
Page

4) 17 2014
2014-15 10%
? .
2,24,000
2011-12
2013
2015
8) (RBI)
(NPAs) 2013-14
(Financial Sector Legislative Reforms
194%
Commission FSLRC)
2,902 8,545.5
Page
2014
-
10) ( )
? . (
13 2014
(e-IPO)
(Executive Director)
(RTI)
( e-IPO
()
(IPO) RTI

9)
(UBI)
(https://www.epostoffice.gov.in)
(CMD) 20
2014
(www.indiapost.gov.in)
RTI
22 2013
(Good Business Practices)

(
11) SEBI
SEBI 13
13 2014
(listing agreement)
(CEO)
SEBI KYC
(KYC Registration
Agency KRA)
(Succession)
KYC

? Federal Bank(

Page
(paid-up capital) 74%

49%
- (FIIs)
1)
(CCEA) 24 2014

24%
?(NRIs) )
2)
BMB - 5
BMB -
(UBI)
?
1,000 (
4) (ADB)
- (NPAs)
(CMD)
(RBI)
10

(Central
3)
Administrative Tribunal)
(BMB)
64
Page
?
( BMB-,
5) . 27
BMB - BMB -
2014
ATM
? (
BMB -
ATM
50,000
ATN
28 2014
2014-
15 4,909
6) (Major
Ports)

8) (NSE) 26
2014

(Volatility Index)
(NIFTY)
? VIX
. .
India VIX ( India VIX
()
India VIX
Page
-
7)
30 -
India
(ONGC Limited)
VIX
(CMD)
26 2014
India VIX
? . (
India VIX NIFTY
ONGC
- (negative
(OVL) (MD)
coorelation) )
9) 25 2014
(Bitcoin exchange)
10)
(CPSEs)
? Mt. Mt. Gox (

(ETF)
? (
25
10
(ONGC),
(GAIL), (CIL),
(IOC),
: Mt.
(CCIL),
Gox Mt. Gox
(REC),
(OIL), (PFC),
(EIL)
MtGox
(BEL)
CPSE ETF
Page

2014
2005
2 2014
2005

)
1) (RBI) 3 2014

(Inflation Expectations Survey)
? 35 (
RBI
16 5,000

:

Page
)
2) (RBI) 2005

3 2014
? 1 2015
( RBI 22
3)

CIBIL (
)
Inc. (TII)
? (
5%
TII
27.5%

ICICI 10%
,
, , ,
, ,
5-5%
)
4) (RBI)
(Rupee Drawing Arrangements
RDAs)
8.2%
(trade related remittance limit)
8.4%
2 5
3 ,
13 2014
5 5
(recurring deposit)
0.1%
(PPF)
1 2014
)
7)
1 2014
5) 28 2014
(EPFO)
(Blue-Chip PSU)
1,000
HPCL ( HPCL
(CMD)
? 95
Employees Pension Scheme-95

(EPS-95)
8) 11 2014
Page
(CMD)
6) 4 2014
(PNB)
0.2%
(Executive Director) )
?
1 (term deposit)
9)
2 (
(IOC)
10% 14 2014
5,340 ?
(Deloitte
(ONGC)
Touche Tohmatsu)
(OIL)
ONGC OIL
? (
5-5% 220
: , , , ,
10,434
. ,
, ,
(EGoM) 28 2014
10%
2013
Page

10)
(most industry-friendly state)

(WLAs) 25
2014 ? SREI
(RBI SREI

WLAs ,

SREI
)
3)
Page
- (m-Pesa) -
1) (Credit Information
Reports CIRs)
2014
2014
(NPCI)
(RBI)
(IMPS) -
? , HDFC
Mobile Commerce Solutions Ltd
(MCSL) ( -
NPCI
IMPS-
2)
(NPCI)
(RBI)
9,000
(RBI)
(IBA)
? HDFC , Axis ,
IMPS
, -
(IndusInd Bank) Yes Bank (
24
RBI

2013
4) 2014
9%
? Axis
Bank (
6) (NSSO)
(UTI)
(SUUTI)
2014
2003 UTI
20.72%
(monthly per capita
consumer expenditure MPCE)
(LIC), ,
? (
MPCE 3,817
Page
: (MPCE . 3,408)
5) (RBI) 19
(MPCE . 3,189)
2014
MPCE (.
(gold import)
1,507)
RBI
NSSO 68 2011
2012 )
7) (NSSO)
2014
(monthly per capita
consumer expenditure MPCE)
90
? (
FTIL
2,669
? MCX
, (NSE),
(MPCE . 2,581) (MPCE .
(DSE),
2,345)
(VSE) MCX-SX
MPCE (. 1,003)
(MCX-SX CCL) (
NSSO
2013
68 2011 2012
(Forward Markets Commission
FMC) FTIL MCX

2%
8) 20 2014
Page
-
? .. (
10) 18 2014
3,000
2009
- 2012

(CPSE-
ETF) CPSE-ETF 10

(ONGC), (GAIL),
9)
(CIL),
SEBI 19 2014
(IOC), (CCIL),
(FTIL)
(REC),
(OIL),
(PFC),
(EIL)
CPSE-ETF
(BEL)
Goldman Sachs India MF (

25
/ IDFC
,
, , ,
, LIC , L&T
1) (RBI) 2 2014

Page
?
IDFC
Bandhan
Financial Services Private Limited (

23 ,

RBI

1997 IDFC
(infrastructure)

2002

(micro finance institution)
4.5
4) 1 2014
(DTC)
?
2) 3 2014
35%
(RBI) - ?
. (
5) 1 2014
- 2014
(DTC)
(dividend income)
RBI - 4
- ..
(additional income tax) ?
, ..
10%
..

6) (RBI) 1 2014
RBI
Page
? RBI
3) 1 2014
(Direct Taxes
(saving accounts)
Code DTC)
(RBI
(HUF)
? 10
(super-rich category)
(basic savings bank

deposit account)
? 100
17 2014

7) (Axis Bank)
27 2014 24

(RuPay)
9) (RBI)
- (Basel III)
27 2014
31 2019
? 1998 (
? 31 2018 (-
1998
8%
(capital
adequacy ratio) 9%
8)
11.5%
(SEBI) 29 2014
(Ponzi)
(regulation), (supervisory)
(risk-management)
Page
10)
(Confederation of Indian
Industry CII)
? . . (
(DCM Shriram)
SEBI
2014-15
(Forbes Marshall)
CII )
Page

1)
2)
(SBI) 10 2014
(foreign direct
- (overseas debt sale
investment FDI) 2013
programme)
? (
? 1.25
SEBI
2013
75
FDI 4.37
205
10- 50
3.31
225
FDI )
10 2014 )
3)
11 2014 -
90,647 )
(first
global rupee bond programme)
5) 1 2014
( 2013) 200
IFC ( ..
? (
2013
139

4)
(ICP) 2014
Page

2005
6)
ICP
(foreign exchange
remittances from its migratory
(PPP) (
workforce)
2013 :
(GDP)
ICP
? 70 (
2013

8) 14 2014
10 :
(Finance Secretary) ?
(60 ), (25
), (22 ),
31
(21 ), (17 ),
2014
(15 ), (14
), (11 )
(10 )
9) 2014
? (
(BoA)
(65
28 2014
) )
7)
7 2014
Page
(Holcim)
(Lafarge) (
10)
11 2014
(LafargeHolcim)
(BCCI) IPL
44
? (
90
(HDFC) IPL

IPL )
Page

1) (RBI) -
. 2014
RBI
- 10,000
(ID proof)
50,000
2) (RBI) 21 2014
RBI
2013
, ,
- 1
RBI
- -
(CBS)
- (Foreign
Transfer)
- 12-
(CAD)

? -
21:80
3)
5%
(RBI)
3G
30
(shereholding) 50%
? .. ,
13 2014

5) (RBI) 7 2014
, ,
Page
? RBI
4) (RBI)
(floating rate scheme)
(Aadhaar-based biometric
authentication)
(penalty on
pre-payment of loans)
(RBI
7) (IIP)
(WPI)
, ,
RBI -
? (
(Planning Commission)
6) (RBI) 6 2014
(PMEAC)
(minors)
2014 )
Page
(financial
inclusion)
8) (Deutsche Bank)
(uniformity)
RBI
(major
economies) ?
(RBI
10 -
ATM -
(financial
literacy)

9) IPL
. .
(Delhi Daredevils) May 2014
(HM) 24
2014
The Ratnakar
Bank Ltd. (
Uttarpara (
2,500 -
10)
Page
(Ambassador)

2) 3 2014 -

75,000
? 1,25,000
(
(2,00,000)

1)
75,000
(Bi-monthly
1,25,000
Monetary Policy Review) 3 2014
1,25,000
Page
8%
?
3) 3 2014
Statutory Liquidity
Ratio SLR ( SLR
23% 50
22.50%
40,000
25,000
? 10,000 (

10,000
40%
2012 RBI
45.21%
4) (Eurozone)
2018 20%
19 1 2015
(Euro)
(European
Commission) 4 2014
? Lithuania (
6) (market
capitalization) 2014 4
2015
? 1.5 $1.5
19
trillion (
2011 2014
(BRIC)
Page
3.23
5) (Kotak Mahindra
Bank)
89.8
(RBI)
(GDP)
0.79 207-08 2
2014
7)
? 40% (
(UPSE)
43.58%

Page
(SEBI)
3 2014
30 2014
SEBI
1,157
886
2026
100
78,000 -
UPSE
UPSE
261
(SEZ) )
8)
9) (UAE)
(International
Financial Services Centre IFSC)
(Al Hilal Bank)
(Finacle) -
Infosys (
- -
-, (GIFT
City)
10) 8 2014
, ()
, ()
Getting India Back on Track: An
Action Agenda For Reform
? , .
(Carnegie
Endowment for International Peace)

:

? -
Crowd-funding (SEBI
1)
(SEBI) 17 2014
Page
/
-
(consultation paper)
(funding)
,

-
10

-

SEBI
)
2) (RBI) 17 2014

2014-15
(sector-
wise disclosure)
10%
25%
RBI
25%
? .

(Committee on
4) 17 2014
Comprehensive Financial Services for
The Banking and Economics
Small Businesses and Low Income
Conclave 2014,
Households) . (Dr.
Nachiket Mor)
?-
SBI (

(IBA)
3)
(Bancon)
SEBI 19 2014
Page
5)
(Tax Administration Reform
Commission TARC) 16 2014
(ESOP)
1992
SEBI
(PSUs)
(minimum public holding)
(Revenue Secretary)
? 25% 400
1992
(Tax Reforms
7)
Committee)
2014
(WPI) 5- -
. ( .
, 16 2014
1991
6.01%( 2014
1993 :
5.20%
The Father of
(Core
Tax Reforms )
inflation) 3.8%
3.4%
6) 17 2014
(Primary article inflation)
7.06% 8.58%
(Food article inflation)
8.64% 2014
9.50% -
: -
(Non-food article index)
, 2012 Delhi: A
1.5% )
Page
Kerosene-Free City Scheme,

2012 (
8)
(Vodafone) 20,000
2014
62
(Arbitrator)
? - () .. ,
200 )

.. (Vodafone International
Holdings B.V.)
1 2015
(Bilateral Investment Protection and
Promotion Agreement)
- -
2007
(Hutchison Essar)
(Hutchison Whampoa)
10)
(capital
(AirAsia India) 12 2014
gains tax) )
Page

9) (RIL)
18 2014
40 (AGM)
- (e-voting)
(Indigo),
(JetLite), (SpiceJet)
(GoAir)
(Telestra
Tradeplace)
? 31 2014 (

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Banking

Know Your Customer)

10) 500 500

Banking & Financial Awareness

5 Banking & Finance

Policy ( 2013 RBI

(National Institute for

Micro, Small and Medium Enterprises

(National SME University)

6 Banking & Finance

(cash reseve ratio CRR)

7 Banking & Finance

(inflation indexed bonds)

(Inflation Indexed National

Savings Securities Cumulative)

8 Banking & Finance

2013 SBI 32,777

9 Banking & Finance

(Hong Kong and Macau)

Banking Regulatory Commission

10 Banking & Finance

, 2013 Securities Laws

Management India DAMI (

(Amendment) Second Ordinance,

Connecting Across Generations (

11 Banking & Finance

Banking & Financial Awareness 4

Credit Guarantee Fund

Trust for Micro and Small Enterprises

12 Banking & Finance

(Foreign Portfolio Investment (FPI))

(Chairman & CEO)

Mercantile Bank TMB (

(face value) 900

13 Banking & Finance

... .. (ARC Ratings

(NSE), (World Federation

14 Banking & Finance

Banking & Financial Awareness 5

15 Banking & Finance

Innovation Fund IIIF (

and Monetary Developments Report)

GDP growth rate)

16 Banking & Finance

Innovation Council (NInC)) .

Micro, Small and Medium Enterprises)

17 Banking & Finance

Metropolitan Region Development

18 Banking & Finance

ATM (White Label ATM (WLA))

Banking & Financial Awareness 6

19 Banking & Finance

(Payment and Settlement Systems

(Board of Industrial and Financial

20 Banking & Finance

on Economic Affairs CCEA)

21 Banking & Finance

Association IBA) 2014

Organisation of Bank Workers

Recruitment Board (BSRB))

Kho ( (Hun Kim)

Banking & Financial Awareness 7

22 Banking & Finance