Input-output questions contains 1mark or 2 marks?
Kesa tha exam aaj😁😁
148 attmpt from punjab
ek banking ke question ka answer merchant banking tha par wo option me nai tha ..that was regarding giving loans for purchases and all ..anybody ??
arbitrage tha ya amortization ??
In news:The Supreme Court of India is facing its worst crisis of credibility since the Emergency.
What happened?An order was passed by Justice J Chelameswar to constitute a five-judge bench in a petition filed by CJAR. The conflict is over a plea by the Campaign for Judicial Accountability and Reforms that has sought the setting up of a SIT to probe the role of Orissa High Court judge Ishrat Masroor Quddusi in enabling private medical colleges to admit students to MBBS courses despite the Supreme Court barring the institutes from doing so.
Quddusi, an Orissa High Court judge between 2004 and 2010, has been accused by the CBI of legally guiding the private medical colleges and assuring them of favourable settlement of their cases in the Supreme Court.
Justice J Chelameswar constituted a bench and had heard the matter despite orders from the Chief Justice of India (CJI) that his bench cannot hear the matter. He said judges cannot assign matters to themselves.
Issues:
- Can the chief justice be part of the hearing, since the scandal allegedly criminalises a judgment the CJI himself wrote? – As done by the Chief Justice.
By setting himself up as a judge in his own cause and setting up a bench whose composition looks arbitrary, he has undermined the authority of the judiciary. - Could a constitution bench be constituted bypassing the chief justice in violation of the current procedure through which such benches are constituted?
Justice Chelameswar’s order setting up a five-judge bench also made the judiciary vulnerable. Surely, there were better ways of securing the removal of the chief justice from the case and setting up a bench in a way that did not depart from existing court procedure or humiliate the chief justice.
A robust judicial consensus would have been built rather than judges projecting their own individual heroism.
An analysis:
- It is the CJI’s prerogative, and his alone, to constitute a bench and to direct that a particular matter be heard by that or any other bench.
The argument that Justice Chelameswar did so in order to prevent a conflict of interest is undermined by the ill-judged manner in which Justice Chelameswar sought to make his point. - The distrust amongst judges, as evident in the ways benches are being constituted, seems extraordinarily high.
- Many have defended Justice Chelameswar’s move by invoking Article 142 that gives judges the power to do whatever it takes to secure justice. But the use of Article 142 has also become a sign of immense judicial indiscipline, where judges can overlook procedures.
Other instances denting the authority of the Supreme Court:
- The quality of the court’s reasoning.
- The abdication of its constitutional role in some cases.
- Judicial overreach in some instances.
- Corruption within the judiciary– There are issues of corruption in the courts. The judiciary has failed to find a mechanism to deal with allegations of corruption within its ranks. Every justice in the court needs to be above suspicion.
Challenges:
- Caution needs to be taken so that the anti-corruption measures taken do not undermine the independence of the judiciary. It has to be done in a way that does not make the judiciary vulnerable to implicit blackmail and leads to undermining its independence. Reforms that undermine independence in the name of accountability has to be avoided.
- At stake, now, is the reputation and credibility of an institution that has earned itself the title of India’s most trusted, a protector of citizens’ freedoms, an upholder of the constitutional poise. What is more, this public display of divisions within comes at a time when the court appears at its most vulnerable without. In the last three years or so, the independence of the judiciary has often seemed besieged in the face of a strong political executive that has sought to use the electoral mandate to subdue dissent and circumscribe other institutions, including in the crucial matter of the appointment of judges.
- The court’s loss of external credibility combined with internal anarchy does not bode well for Indian democracy. The court has itself become a reflection of the worst rot afflecting Indian institutions. The institutional crisis that the Supreme Court has now created will create the conditions under which it will be easier to legitimise diluting judicial independence.
Way forward:At the CJI’s door lie two key questions: How to address potential conflict of interest issues and how to assert the primacy of his position in a manner that strengthens rather than divides the institution. Between a chief justice who does not recognise conflict of interest, and justices who think the only recourse is public grandstanding, the judiciary will not be able to survive.
Conclusion:Judicial corruption is an important issue but the judiciary cannot address it by turning on itself. If its senior-most judges give the impression of using a case to settle issues with each other, the institution will only be prone to be attacked by the executive. Most of all, it will be failing in its duty to live up to the trust and faith that the people of India have come to vest in it.
General awareness questions asked today:- 1. BD Mishra is the governor of which state? - Arunachal Pradesh 2. Who received Economic Nobel prize in 2017 – Richard Thaler. 3. Balphakram National Park is situated at which place? - Meghalaya 4.Viena is the capital of which country - Austria 5. In which city, 3rd International Conference on Yoga held? – New Delhi. 6.What does A stand for in FATF?- Action 7. In which Indian State , Achnakamer wildlife sanctuary is situated? - Mungeli district, Chhattisgarh 8. What does 'A' stands for in CAGR- Compound Annual Growth Rate. 9.Virendra Singh's constituency - Tikamgrah mp 10. JRD Tata sports memorial situated in which city – Jamshedpur. 11. Sanjeev Stalin is associated with which game – Football. 12. Hand in hand Exercise held between India & which country? - China 13. What does L stand for in LAF? - Liquidity Adjustment Facility 14. What is the tenure of call money 15. Dhirubhai Ambani Solar Park is situated in?- Rajasthan. 16. Interest Risk is which type of risk - Market risk 17. Ukai dam is situated in which state?- Gujarat 18. Where is the headquarter of UCO Bank- Kolkata 19. Who is heading the committee for China relationship – Shashi Tharoor 20. Which city has hosted the Meeting of 48 governor – New Delhi 21. What does 'H' stands for in NACH – National Automated Clearing House. 22. Which Indian state is the first to start adjournment online? – Rajasthan 23. Bharatiya Reserve bank Note Mudran press located in Salboni & which city – Mysore. 24. Who regulates microfinance given by NBFC- RBI 25.Savings & current account is known as – CASA ratio. 26.SCO (Shanghai Cooperation Organisation) summit 2017, held in which country – Astana, Kazakhstan. 27.Who is Lekh Tandon? – Indian filmmaker and actor. 28.Winner of China Open Singles Men Title- Rafael Nadal. 29.Vice chairman of Niti Ayog- Rajiv Kumar. 30.FATF-Financial action task force 31 National chemical and fertilizer headquarter - Mumbai 32.What does L stand for in ELSS? -Equity-linked saving scheme 33. Credit card facility not given by which institution?Payment banks 34. One question related to Libya port reopening 35. Initial Coin Offering is related to : cryptocurrencies 36.What is a GDR 'Global Depositary Receipt?' 37 What does 'M' stands for in SFMS? messaging 38.PF withdrawal has been increased from 30k to .... 50000 39. NISM established by which institute ? SEBI 40.Reduction in amount of loan over period of time .....Amortization 41.Within how many days clearance needs to be given by FIPB from day of proposal of companies wanting to participate in FDI 42.CRISIL is what type of a company? 43.MIGA headquarters Multilateral investment guarantee agency...Washington DC 44 On what basis D-SIB tag is given to banks? 45. Question related to CGMSE...credit guarantee fund scheme for small and medium enterprise. 46.In MPC what is P......monetary Policy committee 47.PACC Paris agreement on climate change is related to.....Climate change
The Centre unveiled an ambitious plan to infuse ₹2.11 lakh crore capital over the next two years into public sector banks (PSBs). 1.35 lakh cr. will be through sale of recapitalization of bonds. This sum is more than one-third the tier I or core capital (equity plus reserves) of public sector banks (PSBs) and the equivalent of about 1.25% of gross domestic product (GDP).PSBs are burdened with high, non-performing assets. Indiscriminate lending earlier by banks may be the main reason for high level of NPAs (non-performing assets).The government’s capitalisation package for public sector banks will provide a strong booster dose of relief for the capital starved public sector banks.
- :
Some observers ascribe the deceleration in credit growth to poor demand. They say that corporates have excessive debt and are in no position to finance any investment. This may be true of large corporates.
The government has realised that there is a problem with the supply of credit. It has to do with PSBs’ inability to lend for want of adequate capital.
- Market estimates had placed the requirement of government capital at a minimum of ₹2lakh crore over a four-year period.
- In 2015, under the Indradhanush Plan, the government chose to commit a mere ₹70,000 crore over the period.
- PSBs, unlike their private sector counterparts, had lent heavily to infrastructure and other related sectors of the economy. Following the global financial crisis of 2007, sectors to which PSBs were exposed came to be impacted in ways that could not have been entirely foreseen.
- The failure to quickly recapitalise PSBs has adversely impacted the economy.
- It has hindered the effective resolution of the NPA problem and kept major projects from going through to completion.
- Corporates are stuck with high levels of debt and are unable to make fresh investments.
With India’s economic growth faltering in the last couple of years, the government has been casting about for ways to galvanise the economy like Demonetisation and introduction of GST. Its economic benefits will be long in coming while the short-term disruption has been very real.
- Bank’s capital adequacy ratio (CAR) has become adverse.
- The recovery process set up through the Insolvency and Bankruptcy Code (IBC) reform had not been working at the desired pace.
- PSBs are facing the prospect of having to take haircuts on loans stuck in insolvency proceedings.
- The size of the haircuts the banking system is expected to become more expensive in terms of capital in the banking system.
- Till the recovery process gathers momentum, more capital would be required. There is also a time dimension associated with this equation.
- Enhancing the flow of credit is critical for revitalising India’s growth momentum at a time when the global economy is recovering.
- Private investments remain elusive in the face of the “twin-balance sheet problem”.
- If banks do not have adequate capital, they cannot lend. This would dampen the economy.
A haircut is the difference between the market value of an asset used as collateral. The amount of the haircut reflects the lender’s perceived risk of loss from the asset falling in value or being sold in a fire sale.
- Of the ₹2.11 trillion package, ₹1.35 trillion will be . PSBs will subscribe to these bonds. The government will plough back the funds into banks as equity.
- Another ₹180 billion will be provided as .
- The remaining ₹580 billion will be .
Analysts believe the package should enable banks to provide adequately for NPAs and support modest loan growth.
- This measure is not going to result in the recovery of bad loans.
- It is a very temporary solution and only treats symptoms and not what causes these symptoms.
- The IBC (Insolvency and Bankruptcy Code) is only a ploy to extend favours to big corporates to escape from their liability at the cost of the public exchequer.
- It is labelled as inefficient and incompetent. If banks would have recovered these loans, their interest revenue would have been more; and they would have generated capital internally out of the profit.
- The proposed recapitalisation bonds are likely to add to the fiscal deficit.
Other measures to revive bank creditThe last thing the economy and the banking system can afford is a further drop in economic value. There will have to be more reforms to put a higher order of governance in the banking sector.
- For improving governance of PSBs, questions like the tenure of senior management have to be addressed.
- Public Sector Bank chiefs and their managing/executive directors .
- Offer incentives by way of very good annual bonus based on performance would enable them to take the right decisions.
- Political and economic influence on senior management decisions should be avoided.
- Lateral entry at the level of general managers and not at the ED/MD level.
- The banking boards need to be manned by professional directors rather than political nominees.
- Accountability needs to be fixed by removing senior management for non-performance.
- to be undertaken by one bank which down sells it within a period of 90 days, but could breach exposure limits in that period.
- One of them is . Borrowers borrow from one bank and go to another and borrow money. Banks do not talk to each other. Also, there are issues in getting loans approved for large projects. Borrowers have to run to 20 banks to get a sanction, which is uneconomical, costly and leads to corrupt practices as bank officials seek favours to agree to a proposal.
- Shortlisted auditors by promoters should be assessed by the Audit Committee and Board.
- In case of wrong reporting, these have to be punished by prohibiting them to audit any financial entity regulated by the RBI, the Securities and Exchange Board of India, the Insurance Regulatory and Development Authority and the Pension Fund Regulatory and Development Authority.
- Action must be taken and transferred them to their personal assets.
- NPA cases caused by the cyclical nature of the sector need to be supported if there are no issues with fund utilisation.
- like power, roads, steel and so forth.
- The system will have to conduct more analysis, more evaluation sector-wise in terms of its potential for value restoration and enhancement.
In the last three years, banks have written off ₹1,88,287 crore. We have to bear in mind that when banks lose money or when the government recapitalise PSBs, it is all people’s money and out of public savings kept in trust in the banks. People’s money should be for people’s welfare and not to fund corporate default or to recapitalise the banks to adjust these bad loans.This capital infusion is a welcome step but there are issues that should have been dealt with first. The good part is that after putting this capital, the government’s equity would be close to 70-80% in each PSB. The government could make a huge profit by selling this equity after improving the management of PSBs.Recapitalisation could give the banking system a good breathing time to enhance its credit portfolio and restore value out of the NPA accounts.
GA ki cut off kitni jaegi ?
- Skip
- 14-16
- 12-14
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16
- 8-10
- 10-12
- <8
0
voters
provisional certificates OR marksheets of each sem/year OR consolidated marksheet OR final degree certificate (from call letter)
koi ek bhi ho to chalega na? i mean i am yet to take results of my last sem, though i have the final degree with me.
har semester ka individual results bhi chahye alongwith final degree? plz clarify.
Rangeen buddha 😂
m getting atleast 96 marks in ibps clerk mains...would it be enough guys..??
comment too
- yes
- may be
- no
0 voters
120+ ban rahe hai rajasthan se .. is it enough ??
Ibps clk main ratio
Bihar guys, what do u think could b the cutoff for clerk mains, considering that last year vacancy was 443 n this year it us 147 for general.........
Clerk attempt?
- 121-130
- 131-140
- 141-150(alien)
- 111-120
- 100-110
0 voters
A twitted something B retwitted that A's tweet C liked B's retwitted post So like will increase in
- A’s twitted post
- B’s retwitted post
- sorry ,never used Twitter
- in both post
0 voters
Interview ki tyari kha se kr rhe ho dosto
- Interview capsule se
- You tube se
0 voters
😂kon kon yha se andaman Nicobar region choose krega Log wha paise spend kr ke holiday manane jate hai apko wha direct 5 years rehne ko milega