Banking & Financial Awareness 16

6

5
1)

, ,

(Touch branches)

SBI ?

Banking Codes

sbiINTOUCH ( sbiINTOUCH

Standards

BCSBI(BCSBI 2007

(RBI)

, , ,

SBI

BCSBI 5

Board

of

India

(information

dissemination), (transparency),
-

Page

2Baking & Finance

centricity),

(customer-

(grievance redressal system)

3) 3 2014

(customer feedback))

(RBI) -
: ?
( 4 2

2) (SBI) 1 2014

2011

26

(foreign

exchange

department)
(internal debt management)
RBI
-
.
25 2014 -
..
)

5)

50
2014 ?
-IDBI Industrial
Development Bank of India (
IDBI 1964
(RBI)
1976

1 2014

? . C. Rangarajan (.

IDBI

(PMEAC)

2004

RBI RBI , 1934 IDBI

2012 .

IDBI IDBI

1 2004

2005 IDBI , IDBI

, IDBI

3Baking & Finance

IDBI

2011

Page

4)

32

6) 2014
-

IEO

(household savings)

2012-13

(Savings Rate)

2007-08 ?

(GDP)

30% ( 2007-08
38% 80C, 80CC
80 CCC
1

(DTC)

1.5 )

8)
2014
(insurance on wheels)


(renewal) ?
(

7) 2014

15 )

(Planning Commission)



(control

Page

4Baking & Finance

commission)

(Independent
IEO)

Evaluation

Office

(
2010 IEO

9)
(delisting)
SEBI

24 2014

AstraZeneca(

SEBI

(Infosys) -

2013

..

-- (OFS)

2004 2010

Ventures( 600

SEBI

2010

BSE NSE

Catamaran

(small and medium

10) -
(Amazon) 2014

businesses)
)

Banking & Financial Awareness 18

17 2014

(draft

rules

recommendations)

(minimum paid-up capital limit)

Page

5Baking & Finance

? 100
: RBI


1) (RBI)
(payment bank)

, ,

30 2014

61.80%

,


100

, 1949

3) 19 2014

(BEFI) 1,129
10

? 54,000

2)
23 2014
17 ?

Page

6Banking & Finance

(CONCOR)

: BEFI

BEFI

23 2014

1,27,965

(total operating profit)

2013-14 -

17

(Non Performing Assets

NPAs) 63,591

BEFI

62 -

, , ,

, ,

, .

4)

5) (UPA)

(MCX)

15%

21 2014 MCX

2014

10%

(FMC) MCX

2014

(Natural Gas Pricing Guidelines of

(FT)

2014)

26% 2%

NSEL

FT

MCX FT

FMC 2014
MCX

Page

7Banking & Finance

MCX

6) 23 2014 5
(market
capitalisation)
?
(TCS)

15%

: 23

2014 MCX 2% 66

(dividend)

 TCS

ONGC

(RIL)

TCS TCS

Infosys

(1.90 ) , Wipro (1.39

) HCL (1.07
)

8) 19 2014
(new Cost
Records and Audit Rules)

7)

(carbon-tax)

- (greenhouse-

? ..

gas emissions)

, ONGC

Page

8Banking & Finance

: (

: 17

) , 2014

2014 32 39

(ICoAI)

2012

2013
-

25

9) 2014

? (Bolivia)

10) 20

2014

2014 100%

17 2014 -

(Alvaro Garcia)



(Evo Morales)
10


12



14

Page

9Banking & Finance

: 20 2014



100%

60%
10


ASEAN ( )
10

Banking & Financial Awareness 19

581

2,000


? 84%
:
1)

88%

26

1,500

2014

2014-15

? (Mygov.in)

: Mygov.in

11,200
14,000

3) (RBI)

- -

25 2014 ?

Page

10Banking & Finance

: 12 (10

) , (15 ),
(10 ), (10

2) 2014

), HDFC (5 ), ICICI

4%

(40 ), IDBI (15 ),

(LIC)

- (10 ),

 (10 ), (5 ),

30

(10 )

(10 ) RBI

DTH

10

1995

4)

(Banco Espirito Santo
BES)

2012 20

6) 50

? 4.9 (6.58 )

CBI . .

(CMD)

(Syndicate Bank)

: . .

CBI 2 2014

4 2014

5) 2014

11Banking & Finance

2009

4 2014

Page

10

30
?

:

2014


2020
7) 28 2014

GIC, , DST ,

(RGM)

ICONIQ ,

: :



-
12

12Banking & Finance

-
1.7
(
)

9) 1 2014 36

1,200

500

150

(Thane)

8)

2014 1 (6,013

13 2014

1.2

(Flipkart)

31 2014

Page

10) 2018 21

2.2

50

Gold Coast City ()

(Naspers)

(Queensland)

 4 15 2018

1938 , 1962 , 1982

2011

2006

Banking & Financial Awareness 20

6

ATM
ATM

RBI

1) (RBI) 14
2014
ATM

Page

13Banking & Finance

: 5

/ /
(BSBDA)

2) (RBI) 6 2014

(ARCs)

(security receipts

? 1 2014

SRs)

: , , , ,
6

? 15%

ATM

: 5%

 - (NPAs)

9 2014

(asset

reconstruction companies ARCs)

2013-14
ARCs


RBI

ARCs

- (BiMonthly Policy Review)

(LAF)
(Repo Rate)

(CRR)

14Banking & Finance

Page

8%
(CRR) 4%
(SLR) 0.5%
22%
4)
-

3) (RBI) 5 2014

RBI -

? SLR
( )
:
50
22.5% 22%

SEBI


?
() , 2014 (The Securities
Law (Amendment) Bill, 2014)
: 6
2014
12



SEBI SEBI
,
,

:
SEBI

SEBI

6) (WTO)


(Base Year)

2014

5)

WTO

SEBI

? 1986-87

10 2014



?
(REITs)

1986-87
2014-15

2013

10 2014

2014-15

15Banking & Finance

31 2014

85

Page

(InvITs)

7) SEBI 2014

(single

registration for stock brokers)

?
- , ,
, ,
-

: SEBI
/


/
-
-

? - (Go-India
Card)
: -



(ATVM)

- 6-6
- 70

ONGC

(disinvestment) 18,000

20

10,000

? 5%

16Banking & Finance

8) 2014

Page

9) 2014

10)
(SIA)

: 2014-15

- (TSAL)

58,425

? (Vistara)

ONGC

 : -

11 2014

2014

Banking & Financial Awareness 21

RBI, SEBI,
(Central Economic
Intelligence Bureau)
1) (RBI) 18

(NHB)

2014 (Shadow Banking)

15-
? . , RBI

Page

17Banking & Finance

2)
15 2014

: -

(NBFCs)

(financial

inclusion) 15

7.5
2018






(formal banking system)

2014
-
(financial services

( ) ?
-

18Banking & Finance

, , , ,

Page

3) (RBI) 22

provider)

,

-

4) (RBI) 14
2014

-


-
?
(Chief Operating Officer COO)
: RBI
-


RBI

 RBI

256.5

5) 2014
(RBI) -
? .. (S.S.
Mundra)
: .. (
) 31 2014 RBI
-
(BOB)
(CMD)

RBI
- ,
.. . RBI
.. 2014

Page

19Banking & Finance

6) 20 2014

436

?
(OBC)

180





7) 20
2014 2.5
(Onshore Indian
Rupee Bond Programme)


?

(International Finance Corporation

IFC)
: IFC
:

IFC
5 2.5
-
(rupee-denominated bonds)

9) 19 2014

8) -

20 2014

?
(Intensive Household
Survey)
: -

(Digital India Project)

10

-


- (Ebiz) ,
-, , -,
(NOFN) ,


- - ,

20Banking & Finance

: 1

Page

2014-15

.
1 2014
:


19

, :






14 2014

(NBFC)

2011-12 15

10)
SEBI 22 2014 -
(NBFC) 5.85

?
PACL
:

33.5




-

(PACL) -

Banking & Financial Awareness 22

1.5


PMJDY
:
?

Page

21Banking & Finance

PMJDY 1)

(RuPay)

(PMJDY)
28 2014

5,000 (overdraft)

7.5

26 2015

30,000

4) 5

2014

2) 28 2014
- ?

? (SBI)
:

(minor)

3) -
(PMJDY)

: KPMG :

SBI

KPMG

22Banking & Finance

(uniform signature)

Page

? KPMG

(PMJDY)

28 2014
1.8 2
,

5) 2014
(RBI) - -
(two-step authentication for

credit card transactions)

(accreditation)

RBI

FMC

(draft proposal of rules)

15 2014

5,600

(NSEL)

:
-
-

7) (CBDT)

(retrospective tax amedments)

market)

(warehousing facilities)

FMC (
)
2014 ?

23Banking & Finance

6) (Commodity Futures

Page

(FMC)

- 28
2014
? CBDT
-
(Joint Secretary of the
Foreign Tax and Tax Research Unit -1
of CBDT)
:

4-

10
2014 2014-15

(assessment officer)

 60-

(market- linked)

2013


-

(-) GDP

2012

? 5.7%

(CSO) 29 2014
2014-15

5.7% (2013-14)
4.6%

(energy security)



2014

2012

10)

, , , ,

(Snapdeal.com)

24Banking & Finance

8) 2014-15

Page

9) (natural gas)

(Kelkar Committee)

(Flipkart)

2014 ?

 40

600% .

50

Banking & Financial Awareness 23

IPC 403
425

2) (Central Law
1) 1

Ministry) 2014

2014 ,

( )

(RBI)

(UBI)

(Currency Ordinance) 2
1

Page

25Banking & Finance

(SBI)
(consortium)

: 2011

(Coinage Act)

4 1,000

400

(authorise)

(NBFCs)

5 NBFCs

, ,

RBI

2014

1 2014

CCI

8,000

(CSO)

26Banking & Finance

Commission of India CCI)

3) 50

Page

5) (Competition

(TPAs)

1 (5.7%)

(Nifty)

8,000

(TPAs)

(BSE)

26,900

TPA

4) (RBI) 2
2014 5 -

( )

 GIPSA

CERT-In (Computer

Emergency Response Team India)

7)

6)

(Future

Generali Life Insurance)

? -

(Backoff)

(Future Group)

CERT-In 3

2014 -

(Generali)

:

-- (Point of Sale
(POS) systems)

27Banking & Finance

Page

(keystrokes)

, ,
CVV
-

8)
:

(Expenditure Management Commission
EMC)
? ( RBI)
: 2014-15

9)
(Trend Micro)
(malware)

(- 2014)

Page

28Banking & Finance

10)
30 2014
31 2014

(persistency ratio)

?

:

: - 2014

IRDA

13,000

13

Banking & Financial Awareness 24

SBI

2)

banking credit growth rate) 5
1) (RBI) 15
2014

?
(SBI)
: SBI

1.15
SBI
ICICI 19.5
:
(13.6 ), (4.3 )
HDFC (3.5 )

Page

29Banking & Finance

SBI
:

(RBI) 31
2014
, 5 ?
10.9%
: 2009

2008


2004-05
22% 2012-13
2013-14 13-14%


(GDP)

2.5 3
2013-14
4.7%

 14%

3)
PFRDA (

: -

(National Pension

ICICI

System NPS)

? ..

ICICI

(SEBI LIC )

ICICI

-
5) 2014

(Basel-III)

- (contact-

less debit cards)

(RBI)

(SBI)

( HDFC
), .. (

30Banking & Finance

Page

ICICI

LIC), . . ( IRDA)
( PFRDA)

:

SBI

-

4) 10

2014 -

(Cardless Cash Withdrawal)

 SBI RBI

()

SBI

2,000

ESOS ESOP

6) 8 2014
-
(first multi-currency international debit
card)

(MasterCard)

?
: ,
,


12

7) (SBI)

Page

31Banking & Finance

?
(Employee Stock Option
Scheme ESOS)

SBI



RBI
(IDFC )



8) (RBI) 9
2014 (MD)
(CEO)

70
:
? 2013 (Companies
Act, 2013)
: 2013

,

21 70

 RBI

9) (RBI) 2014

10) 2014

(UCBs)

(FIIs)

15

SEBI 16 2014

? 1,97,715.9

: (FIIs)

85,247

(equity)

Intelligence

1,12,469 (debt)

Council EIC)

2010

1,79,674.6

(Economic

Page

32Banking & Finance

Banking & Financial Awareness 25

2)
100% ()
1 2014

?
: 100%



1)

(SBI)

28 2014

()

(PMJDY)

24 2014

? 1:10

Page

33Banking & Finance

3)
: 1:10

(S&)) 2014

SBI 10

(outlook of Indian

10

banks) 11

(negative)

(stable)

2014 (PNB)

(IOB)

ICICI
1:5 ,

 (assets) (capital)

? 1,50,000 2,20,000

11

(26 37 )

, ICICI ,
HDFC , , ,
, , IDBI
, , ,
IDFC

62%

4) (MCX-SX)

(minimum required capital) 1

2014

7%

(SEBI)

1 (CET1)

5.5%

(mSXI)

SEBI

6) (RBI) -

MCX-SX

(4th Bi-monthly

Monetary Policy review) 30

(FT)

2014

5)

34Banking & Finance

11

: MCX-SX

Page

(Moodys) 2014

(Basel III)

RBI

RBI
?

2019 2015

- (GDP

growth rate) 5.5%

- (-

2014)

(Financial Sector Legislative Reforms

Commission FSLRC)

- (CPI)
2015 8%
2016 6%

1 2015

- (CRR) 4%

()

2015-16

- (SLR) 22%
()

(liquidity ratio) 32%

15% (10 2014
)

10 2014
2014-14
8)

7) 2014

- (ECR)

(new

Monetary Policy Framework Agreement)

35Banking & Finance

(RBI)

- 8% ()

Page

? 1 2015
:

SEBI 2014
13 -

13
?
(GDRs)

: SEBI
13
GDR

 (FIIs) -

( )

( )

13 ,
, .. ,
, . ,
,
, ,
, ,

9)

2014
?

(Bibek

Debroy),

Page

36Banking & Finance

10) 25
2014 ()

?
(National Tax
Tribunal Act)
: 25




()

(CPR)

2005

(tax)

, (

(NSE) CEO), ..

( ),

(National Green Tribunal NGT)

Banking & Financial Awareness 26

weighted assets ratio) 10%
RBI CBS

, ATM


RBI
1) (RBI) 13
2014 (urban cooperative banks -UCBs)

(financially sound and well managed
FSWM)
?
(CBS)

Page

37Banking & Finance

:
FSWM

(Gross NPAs) 7%
, - (Net
NPAs) 3%
(capital to risk

2) 2014
(2014 Nobel Prize for Economics)

13 2014 ?
(Jean Tirole)
:
(market power and regulation)

4% (+/-2% )

1968

4) 10 2014
(Euromoney)
(Best Central

3) 2014

Bank Governor Award 2014)

? , RBI

(RBI)

RBI

RBI

RBI

RBI
? .
(RBI -)
:

38Banking & Finance

Page

(Consumer Price Index CPI)

RBI
:

:





2003

(American

Finance

Association)
(Fischer Black Prize)
40


5) 16 2014

(Chief

Economic Adviser) ?

, GST

Global Infrastructure Facility (GIF)

2013
(RBI)

..

(SEBI) 3

13

(ADB),

2014 ? DLF

(BRICS)

DLF , - ..

39Banking & Finance

6)

: SEBI

Page

(AIIB)

5 3

8) 8 2014

(RBI)

2007 DLF

IPO

(debt)

- RBI

SEBI

IPO DLF

7) (World Bank) 9

2014

RBI

2014

(WPI)

(Shramev Jayate)

2.38%

? 2009

2014

3.74%

2.38%

2014
(CPI)
6.46%
2012

40Banking & Finance

9) 14 2014

Page

10) 16 2014

/
(Shram Suvidha Portal)

16

-

transfer)

(Portability

and

(Vocational

(PF)

Training)

ITI

Banking & Financial Awareness 27

: RBI


:
6
KYC


KYC

Page

41Banking & Finance

1) (RBI) 21
2014
KYC

?

2) 27 2014 6
(PSU Banks)

 (CMDs)

3)

24

2014 - (MOU)

? (Bank of Baroda),

(Canara Bank),

(Indian Overseas Bank),

(Asian Infrastructure Investment Bank

(Oriental

Bank

of

Commerce), (United Bank)

Page

42Banking & Finance

(Vijaya Bank)

AIIB)
:

: 2014

(AIIB)

(Syndicate Bank)

24

(CMD) . .

21

, RBI ,

50%

2015

(WB)

8 (CMDs) 14

(ADB) -

(Executive Directors)

RBI

4)
(European Central Bank ECB)

 (Euro Zone)

? 10%

43Banking & Finance

(Expenditure

Department)

10%

, , , ,

(Monte dei Paschi)

2.1

ECB

(indirect tax

ECB

collection) 25.8%

2014

5.8%

Page

/ -

6) 29 2014
2014

5) 2014-15

Global Consumer Confidence Index)

30

2014 : -

(most bullish consumer

(non-plan expenditure)

(Nielsen

market in the world)

: 126


13 5 2014
60

(Nielsen)

(Global Consumer
Confidence Index) 98

1
2014
RBI
IDRBT
2001
:
-

8) (Aditya

12

Birla Financial Services Group)

: (9 ) (8 )

(health insurance)

(125 ), (115 ),

MMI

(111 )

44Banking & Finance

(113 ), (112 )

Page

7) 2013-14 IDRBT

(Biral Sun Life Insurance)

? (Federal

Bank)

MMI

:
,
, IT

MMI 26%

9) -

(Alibaba) (Alipay)

16
2014 ?
(Ant Financial
Services Group)
:
-


-

Page

45Banking & Finance

10)
(CBEC)
?
: 1978-
(IRS) 31
2014 ..
CBEC
(Indirect Taxes)
-

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