BANKING STRUCTURE

By Ashish Verma in Ashish's Study Corner (Files) Edit Doc BANKING STRUCTURE-----1st bank was hindustaan bank in 1770 which is in kolkata then oudh commercial bank in 1881 faziabaad that is partially indian bank and then allahabaad bank in 1865 which is the oldest indian bank still working and also PNB in 1894 which is firstly establish in lahore and 1921 me ye teeno presidency bank merge hue the bane to pehle hi the.. 1921 me 3 banks bane 1) Presidency bank of Bengal 2) Presidency bank of Madras 3) Presidency bank of Bombay Inhe bola jata tha Imperial bank of INDIA..1st july 1955 me is Imperial bank of INDIA ka nationalization hua aur sath me naam rakha gya State Bank of India.isliye dhyan de ki nationalization Imperial bank of INDIA ka hua na ki SBI ka isliye aap ko kahi bi SBI ke nationalization ke bare me nai milega. 1934 me RBI act banaden 1 april 1935 me RBI bank bana.RBI ka nationalization 1 jan 1949 me hua Rbi ke under basically 3 types ke bank aate h 1) Development banks---- iske under aapke NABARD, IDBI, SIDBI, NHB, EXIM ,ICICI ye sare banks aate h..jo society , country aur unke logo ke viaks ke liye kaam karte h 2) Co-operative banks-- it is distributed in 3 parts--State co-operative bank District co-operative bank Primary agriculture credit socities 3) Commercial bankit is distributed in 2 parts Non Schedule commercial bank---- worked till 1997 after that finisheddese r banks which r region based ex J&K bank Schedule commercial bank---- rbi act 1934 section 2e ke under aate h aur jinki capital >= 5 lakh thiall public sector banks come under dis schedule banks. SBI + 5 assosiate banks means 1+5=6..Ek bat dhyan de ye associate banks SBI ne khud nai banayeye banks alag hua karte the bad me inho ne SBI ka nam use karna suru kiya jiske liye ye SBI ko uska naam aur logo use karne ka 1% of total profit dete hSBI aise hi kisi ko apna naam aur logo nai use karne deta uske liye wo uski profile study karta agr satisfy hua to allow karega Nationalized banks--- 19 july 1969 ko 14 banks ka hua jinki capital >= 50 crore thi + 15 april 1980 ko 6 banks ka nationalization hua jinki capital >= 200 crore thi == 14+ 6 = 20 isme se ek bank NEW BANK OF INDIA merge ho gayi PNB me to total nationalized banks = 20-1 = 19

 RRB2 oct 1975 ko pahli bar 5 RRB banaye gayeinki funding is tarah hoti h50% central govt +15% state govt.+ 35% sponsored banks.total rrb r 82.. IDBI bank--- semi govt bank Private bank--- Indian and foreign both. Total public sector bank= 1 sbi + 5 assosiate + 19 nationalized + idbi = 26 Now I am giving the list of different institute and dere headquarter with dere years INSTITUE YEAR CHAIRMAN HEADQUATER RBI 1935 D SUBBARAO MUMBAI SBI 1955 PRATIP CHAUDHARY MUMBAI ICICI 1955 K V KAMATH MUMBAI LIC 1956 D K MAHROTRA MUMBAI IDBI 1964 R M MALLA MUMBAI 1ST RRB 1975 NABARD 1982 PRAKASH BAKSHI MUMBAI CAPART 1986 NEW DELHI EXIM 1988 NHB 1988 NEW DELHI SEBI 1988 U K SINHA MUMBAI SIDBI 1990 LUCKNOW NSE 1992 List is given in increasing order of dere year..so u may learn it in order.and dere will be less possibility to forget dem Now head office of 19 nationalized banks + SBI---MUMBAI- SBI, BOI, CBI, DENA, UNION BANK OF INDIA PUNE- BANK OF MAHRASTRA NEW DELHI- OBC, P&S, PNB KOLKATTA- ALLAHABAD BANK, UCO, UNITED BANK HAYDERABADANDHRA BANK BARODA- BOB BANGLORE- CANRA, VIJYA, SINDICATE, CORPORATION CHENNAI- INDIAN, INDIAN OVERSEASE. Inhe aapas me relate kar ke yaad karearam se yaad ho jayenge FDI LIMITS --- FDi limit bas 5 % me divide h --- 26, 49, 51, 74, 100 26%-- Defense , Media , FM RADIO

49%-- Public Sec. Banks, NEW BANK, AIRLINES, INFRASTRUCTURE , Pension , Insurance 51%-- MULTI BRAND RETAIL, 74%-- MOBILE & PRIVATE SECTOR, PRIVATE BANKS, 100%-- Single Brand , Tourism , Pharmaceuticals RBI Pahle headquater kolkatta tha1937 me Mumbai shift huaRBI governor isi office me baithta h Regional office22 Sub Regional office5 Board member20 1 governor 4 deputy governor 1 ministry of finance 4 local board 10 nominated by govt of india Function of rbi---Issue of currencyexcept coins and 1 rs note(iska reason ye h ki RBi ek limit me currency issue kar sakti hbut coins aur 1 rs note issue karne ki authority govt ke pass hwo isliye ki kabi bi imergency k etym jaise ki war humare desh ko paise ki jarurat padegi au raise tym par koi bi country kisi dusri country ko financial help nai kartikyuki use bi apne paise dub jane ka dar hota hau raise me RBi bi issue nai kar sakti uski bi limitation hto aise me govt jitna chahe utna 1 rs note aur coins issue kar sakti h) Agent of bank of govt. Bankers bank Banking development--- jaise financial inclusion Management and control of foreign reserve Issue of credit and monetary policy Monetary policy me 2 cheeze aati h--1. Qualitative measures--- isme RBI kisi bank ko moral support de sakta hcredit margin set kar sakta h.ya kisi bi bank ke pass agr 5 crore se jayda ke loan ke liye file aati h to RBI khud us profile ko study karke pass karta h 2. Quantitative measuresisme sare tarah ke rates aate h jis se RBI inflation ya market me money control karta hjaise bank, repo, reverse repo, crr, slr rate etc BASEL NORMS Ye thoda complicated topic hiske bare me bas kuch points ache se samjh le

Pahli cheez ki BASEL ek place h jo Switzerland me h.ise BCBS means BASEL COMMITTEE ON BANKING SUPERVISON bi kahte h.BIS means BANKS FOR INTERNATIONAL SETTLEMENT ne ye BASEL NORMS banaye the.iska main aim tha ki aaj ke inflation k etym koi bi bank band ho jaye..to banks ko ache tarike se chalane ke liye ye kuch norms provide karaye gaye Basel norms me basically 3 pillars the jin par banks ko dhyan dene ko kaha gya tha 1. Pillar 1-- isme basically Capital adequacy ratio (CAR) aata h ise capital to rish weighted asset ratio bi kahte hmatlb kisi bi bank ke pass uske jo risk weighted assets means loans h jinke recover hone ke kam chances h jinhe NPA bi kahte h to uske against sufficient capital honi chayie.. 2. Pillar 2isme hum 3 main risk ki safety ke bare me padhte h Credit riskki bhai agr kisi ko loan de rahe h to ache se uski profile study karo ki kahi wo diya gya loan recover na ho paya to Market riskmarket me apni growth ko increase karne ke liye agr koi plan banaya h to ache se study kare ki kahi wo fail to nai hoga. Operational riskki apne internal bank ki growth aur success ke liye jo plan banaye h wo fail na ho 3. Pillar 3market discipline-- market ko tym to tym study karte rahna chayie jis se aap tym to tym apni schemes me chnges la sake aur customers ko attract kar sake Iske alawa basel norms google se padh sakte h jo kafi complicated way me diya hogaagr itna samjh liya to kafi h koi bi is se jayda nai puchegaaap ko bas basel norms kya h aur kyu banaya gya aur kismet kaun se 3 pillars h ye pta hona chayie. Ab tak 3 basel norms aa cuke hBASEL norms 1-- 2004-2008basel norms 2--- 20092012.basel norms 3 --- 2013-2019 tak. Basel norms jitne % bi CAR maintain rakhne ko kahta hRBI india ki sabi banko ke liye safe hand us se 1 % increase kar ke rakhne ko bolta h.