AISA KYON HOTA HAI
AGMSBLCKNL
05.04.2010 AISA KYON HOTA HAI
RBI decided not to pay any interest on CRR maintained by Scheduled Commercial Bank
In tune with International Standard Practices followed in India.
Over a period of time percentage of CRR gradually being reduced and it is expected to lose its significance.
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06.04.2010 AISA KYON HOTA HAI
RBI has issued guidelines on Outsourcing
It will improve the efficiency of the Bank, reduce costs etc.
Outsourcing of IT enabled activities will result in mitigation of Technology Risk.
It provides efficient and dependable service and also helps to have flexi timing and also Bank can exit from the service provided by Outsourcing at any time.
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07.04.2010 AISA KYON HOTA HAI
Under Basel II apart from Credit and Market Risk, Operational Risk is also now covered
Operational Risk is due to inadequate or failed internal process, people and systems.
This may cause a reputation risk and image of the bank will be at stake
Bank can improve their process, technology and follow business best practices by creating an awareness of importance of Operational Risk
Sustainable best practices would lead to reduce losses, higher profitability and most important would improve customer service and employee satisfaction
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08.04.2010 AISA KYON HOTA HAI
Relationship Banking is being focused in the present competitive environment
To attract young and high salaried class people.
Innovative approach to retain the existing customers and business as well as to bring in new customers.
To garner maximum share of business from the same customers
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09.04.2010 AISA KYON HOTA HAI
Demating of Shares is the need of the hour
It provides protection against loss of certificate, stamping etc.
Transferability is faster and no need to sign transfer forms
Online purchase and sale of shares will become efficient and prompt
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10.04.2010 AISA KYON HOTA HAI
Banks have begun to take up Credit Counseling
The concept of save and buy to buy and repay have come in place and it led to excessive borrowing and debt trap.
It offers meaningful solution to borrowers to gradually overcome from the debt trap.
It started in the interest of Bank, individuals and society at large.
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12.04.2010 AISA KYON HOTA HAI
RBI advised the banks to introduce fair lending practices
This would ensure transparency in banking operations of the bank. The borrowers would come to know the salient features of the loan such as limit sanctioned, interest rate, repayment, major terms and conditions etc governing the advance
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13.04.2010 AISA KYON HOTA HAI
Compromise /OTS proposals are encouraged.
These are non legal remedies for deserving cases wherein repayment of agreed amount will be made as they are voluntary agreement. Has helped to reduce the huge backlog on NPA. Which in turn will improve the CAR of the bank. We can avoid court cases which are time consuming, costly and cumbersome.
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15.04.2010 AISA KYON HOTA HAI
ILien and setoff are exercised on the time barred debts
Under the limitation law only the legal remedy to recover the debt in a court is barred. The debt is not extinguished. It continues to exist. It can be revived by the debtor by a fresh promise to pay. Also the creditor can exercise the right of lien on any goods in his possession and right of set off against any debts owed to him by the debtor. Hence the bank can exercise the right of set off and lien.
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16.04.2010 AISA KYON HOTA HAI
Compromise /OTS proposals are encouraged.
These are non legal remedies for deserving cases wherein repayment of agreed amount will be made as they are voluntary agreement. Has helped to reduce the huge backlog on NPA. Which in turn will improve the CAR of the bank. We can avoid court cases which are time consuming, costly and cumbersome.
If your colleagues wish to join our E-learning Group, Pl. advise them to send a blank email to
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State Bank Learning Centre, Karnal - "A Centre of Gyanodaya"
Email
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agmstckn...@sbi.co.in
Fax : 0184 – 2268370
17.04.2010 AISA KYON HOTA
Insurance is obtained in joint names of the bank and the borrower
Bank has insurable interest as creditor in the assets financed by it. In the case of loss due to fire etc it can make a claim on the insurance company as a co insurer of the assets.
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19.04.2010 AISA KYON HOTA HAI
Ttrust deed has to be verified before opening a Trust a/c.
The banks has to ensure that the funds of the trust are utilized for the purposes of the trust and that the funds are not utilized for purposes other than the trust purpose. Also the conduct of the account must be as per trust deed. The bank will be liable for breach of trust arising out of negligence
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20.04.2010 AISA KYON HOTA HAI
Post-dated cheques should be obtained for Agricultural Term Loans and Government
Sponsored Schemes loan sanctioned beyond Rs. 2.00 lacs under Agricultural Term
This step will improve financial discipline among the borrowers and improve the
recovery performance. The Bank has an option to initiate criminal proceedings against defaulter
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