In idbi assistant manager exam computer awareness questions vl dey ask ?
Gujrat!!! In os1 Had attmptd 150. N expecting at least 105-110 in written n 50-60 in interview!!! Will it be enough to make it to the final?? Btw m an OBC candidate!! Gao se call pe call aane lg gye ki dikra naukri lg gya ab unko kon samjhaye.aur sasural wale damad ji damad ji khte ni thak rhe!!!!!!!ibps wale interview wgrh ki details sasural me b bhj dete h kya inko pta kse chlta h bc!!!!! Bhai koi safe score bta do mera ni hua toh band baj jayenga!!
bpsc admit card out exm on 12th and po intrview on 10th .....mja agya bc
Rrb interview me blazer,tie jaruri hai ya bina iske bhi chal jayega..Abhi bata do to kharid bhi lenge
reprint of ibps po application form link activated or not .....
Is there any chance to revise our preference of banks??
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ION DIGITAL ZONE IDZ
JANKIPURAM EXTENSION COSMO
FOUNDATION OPP SEWA HOSPITAL
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what is bankruptcy??
Ek baat puys document verification kaise ho raha hai..MATLAB individuals Ka interview se just pahle ya sabka ek sath.
those who appeared for for rrb po interview bt not qualified for ibps po interview this year..
- both
- no
- yes
0 voters
Hi guys do they ask for the latest format of caste certificate or the old format is ok?
How is your IBPS PO interview prep going on?? 🙈
- Not even started
- Not so good
- Ok Average
- Good
- Full Throttle
- Skip
0 voters
Bit off topic Olive board test1 " idbi/syndicate pgdbf "score?
- 120+
120+ - 90-100
- didnt fill/buy/hate pgdbf
- 70-90
- 100-120
- less than 70
0 voters
Hello IBPS PO Aspirants,
Another important topic which could be asked to you in your IBPS PO Interviews. So here is what you need to know about BASEL III
What are Basel norms?
Basel is a set of standards and practices developed for global banks to ensure that they maintain adequate capital to withstand periods of economic strain. It is a comprehensive set of reform measures designed to improve the regulation, disclosures and risk management within the banking sector.
What did Basel I and Basel II focus on?
Basel I norms was introduced in 1998, focused almost entirely on credit risk. It defined capital requirement and structure of risk weights for banks. Basel II was introduced in 2004, laid down guidelines for capital adequacy, risk management and disclosure requirements.
Why Basel III?
It is widely felt that the shortcoming in Basel II norms is what led to the global financial crisis of 2008. That is because Basel II did not have any explicit regulation on the debt that banks could take on their books, and focused more on individual financial institutions, while ignoring systemic risk. To ensure that banks don’t take on excessive debt, and that they don’t rely too much on short term funds, Basel III norms were proposed in 2010.
What does Basel III norm stipulate?
Basel III establishes tougher capital standards through more restrictive capital definitions, higher risk-weighted assets (RWA), additional capital buffers and higher requirements for minimum capital ratios. It also introduces new strict liquidity requirements.
What is the biggest criticism against Basel III?
That the stringent capital requirements come at a time when the global economy is in the midst of a slowdown. This will leave banks with less money to lend, in turn pushing up the cost of borrowing; and thereby further aggravating the slowdown.
Why are many banks opposed to Basel III norms?
Basel III norms will require banks to undertake significant process and system changes to make upgrades, particularly in the areas of stress testing, liquidity and capital management infrastructure. The reforms could fundamentally impact profitability and require sweeping changes in the business models of many banks
What is the deadline for banks to become Basel III compliant?
For international banks the deadline is December 31, 2018 and March 31, 2018 for Indian banks.
Why the earlier deadline for Indian banks?
The RBI said that: We did this to align our date with the close of the Indian fiscal year, which is March 31. We could have gone up to March 31, 2019, but that would have overshot the Basel III prescription by three months and would have attracted adverse notice.
Why are Indian banks concerned about Basel III norms?
Just like for international banks, Basel III norms will affect the profitability and return ratios of Indian banks as well. Something which is admitted by the RBI. Basel III requires higher and better quality capital. Admittedly, the cost of equity capital is high. The average Return on Equity (RoE) of the Indian banking system for the last three years has been approximately 15%. Implementation of Basel III is expected to result in a decline in Indian banks' RoE in the short-term.
How much extra capital will Indian banks need for Basel III?
According to RBI’s estimates, Indian banks will require a capital of Rs 5 lakh crore over the next five years, of which Rs 1.75 lakh crore will have to be equity capital. Within the Rs 1.75 lakh crore, anywhere between Rs 70,000-1,00,000 crore will have to raised through the market, depending on to what extent the government will infuse capital in state-owned banks.
Indian banks are much better off than global banks that caused the financial crisis. Why then should Indian banks then comply with Basel III norms?
The RBI said: India should transit to Basel III because of several reasons. By far the most important reason is that as India integrates with the rest of the world, as increasingly Indian banks go abroad and foreign banks come on to our shores, we cannot afford to have a regulatory deviation from global standards. Any deviation will hurt us both by way of perception and also in actual practice. Also, it is important that Indian banks have the cushion afforded by improved risk management systems to withstand shocks from external systems, especially as they deepen their links with the global financial system going forward.
The above topic was requested by @abhinavk24sep.
You can request it too. Guys do comment below about more important topics important for your interview.
any idea when will IBPS let us download our application forms?
When is indian bank exam
Gujarat guys and girls,... kab he sabka interview? Starting and end date. General category walo..and kesi chal rahi he prep :P
Hi puys which test series will be good for upcoming idbi and syndicate pgdf other tha ob/pm??plz suggest some......