aaane se uske (sbi result) aaye bahaar ..
😂
jaane se uske (sbi result) jaaaye bahaaar
😣
badi matwaliii haiiiiii (arundati )
😅
give some suggestions for marketing awareness, many options seems to correct for each question 😞
How Economy Is Related To Common Man
(Written this article. Add more points on your own.)
The Government has raised the petrol prices yet again. The auto companies are raising prices of their own manufactured cars. But what good or bad it is to me, a poor was thinking, when I couldn't even afford a cycle?
He can reason that the petrol price rise does no bad for him because he doesn't even owe a cycle. He worries only about the food cost, because that's his basic necessity. Only if he knew that raise in petrol prices is raising the transportation cost too, which further is raising the price level of vegetables. Only if he knew. A common man with no knowledge of Economics reasons less and resents more towards the unpleasant economic policies and even more towards the working of government he chose. Does a common man in any way benefit from these decisions? What about the Stock Market guys?
Let's take a quick look at some of the stunning facts:
- 2 billion people in the world live on less than $2 a day.
- Every year, 9 million children die globally of poverty and hunger before their fifth birthday.
- In India alone, more than 50 million school-going children cannot read even a very simple text.
What's making all this happen?
A Country is where he is because of the decisions it carried out. It is understood that Economic Policies carried out by the Government or Central Bank impacts all of us, and not just a small group. Many people are illiterate just because they are poor, and are getting poorer each day. People are dying of hunger just because the economies have failed them.
Creating wealth is a process of taking inputs, including human talent, and producing things of value. A government should devise policies accordingly for the betterment of people, the common man.
It is important, thus, if India is to thrive as vibrant economy, its people should have awareness of the pros and cons of the economic decisions that are being carried out. More, Indian government should invest much in the Human capital, for e.g. educating the poor. Higher rates of education for women in other developing countries is the reason for lower rates of infant mortality.
Best option(if/supposing all are available or scope for all there)?
- Bank PO
- XIMB MBA
- SSC IP/NIP posts
- Go back to IT sector after 3 years gap
0 voters
kaha chupe bethe h wo log jinhone daava kiya tha aaj result aa jayega...janta maaf hi nahi karegi.....pelegi bhi
Hi, I noticed something very absurd in IBPS forms. Please suggest me what to do.
So while applying for RBI Assitant or UIIC Assistant post, there is no provision of a person applying for one state and appearing the exam in another state.
Suppose I want to apply for the office of Himachal Pradesh (my home state) but want to give Kerala (where I am studying) as my test centre - I CAN'T! :(
Please tell me what to do. Has anyone had any experience regarding this? 😞 😞
when the results will be released....
is there any site or pdf from where i could study about insurance part for the lic ado exam this month (sorry i know its off topic)....
LIC ADO exam 26th ko bhi hai kya??
MMains ki date bhi pehle shift kar diye aur pre ka result bhi nahi de rahe....trolling level- SBI
B>O=KK>= L ; D >K>=S
Conclusion
B>S
L> D
Both true right?
bankersadda kam pad gya tha jo yahan bhi tambu gaad ke baith gye ... Bhago yaha se bc
Dear Readers,
Current affairs is an important component of several competitive exams such as the UPSC Civil Services Examination, SSC CGL, Bank PO & PSU entrance tests, etc. Therefore, understanding the terms/concepts/events that make news is critical for aspirants. We at PaGaLGuY bring you series of articles explaining some of these important concepts/events. This article is about Indian public sector banks suffering due to rising NPAs.
Stressed assets including non-performing assets (NPAs) and restructured loans have been a major cause of worry for public sector banks (PSBs). As many as 14 PSBs have stressed assets that amounted to over 13.03 per cent of their total advances as of December 2014. Gross NPAs of PSBs have been declared to be Rs.2,60,531 crore.
Overall, the Indian banking system's GNPAs increased from 3.9 per cent as of March 2014 to 4.4 per cent as of March 2015. Stressed assets outstanding (GNPAs plus standard restructured advances) reached an unprecedented high of 10.6 per cent as of March 2015.
What's an NPA?
A non-performing asset is one that ceases to generate income for a bank. In other words, an NPA is any credit/loan on which the bank fails to recover interest and/or installment of principal for over 90 days.
These are classified into 2 categories - gross and net NPAs. Gross NPAs (or GNPAs) are the sum of all loan assets that are classified as NPAs as on balance sheet date as per RBI guidelines. It comprises standard, sub-standard, doubtful and loss assets. Net NPAs shows the actual burden of banks; those in which the bank has deducted the provisions for bad assets.
Loans are also restructured to prevent them from turning into NPAs and hence are known as restructured loans.
Top defaulters
Major chunk of restructured loans are from the corporate sector. Bad loans of the top-30 defaulters amounts to Rs.95,122 crore or 36.5 per cent, which is more than one-third of the total GNPAs of PSBs.
According to a report prepared by the Union Finance Ministry's Department of Financial Services (DFS), Central Bank of India tops the list of 14 banks with 21.15 per cent of its advances stuck in NPAs and restructured loans. It is followed by United Bank of India with 19.04 per cent of stressed assets, Punjab & Sind Bank-18.25 per cent, Punjab National Bank-17.85 per cent and Indian Overseas Bank-17.70 per cent. State Bank of Patiala, Allahabad Bank and Oriental Bank of Commerce have bad and restructured loans over 15 per cent.
Major reasons
· Sluggish domestic growth in the recent past
· Slump in global recovery
· Uncertainty in the global markets causing a drop in exports of various products like textiles, engineering goods, leather and gems
· Since huge corporate loans make up a big share of PSBs' credit portfolio, sectors like infrastructure, steel, textile, aviation, and mining wherein PSBs have wide exposure, have majorly contributed to the rise in NPAs.
Private banks fare well
Private banks seem to be faring better than their public sector counterparts. Increase in market share, growth in deposits and advances, increased operation and net profits, are some positive indicators.
· The gross NPA ratio is 3.78 per cent for ICICI Bank for 2014-15 as against 3.03 per cent the previous year.
· While private banks' net profits rose from 17.66 per cent in 2014 to 18.11 per cent in 2015, public banks' profits dropped about 1 per cent this year.
· Operating profits of private banks rose around 19 per cent this year while in public banks it is only an 8 per cent rise.
· In 2015, deposit growth in public banks has been only 9.13 per cent as against private banks' 16.16 per cent.
· Private banks' advances grew close to 19 per cent as against public banks' 8.13 per cent.
CRISIL Ltd. has estimated private sector banks to grow doubly faster than the capital-deficient PSBs, in the next 4 years.
Rating agencies' take
While the RBI has urged banks to improve governance to reduce NPAs, credit rating agencies paint a bleak picture. ICRA Ltd. expects the percentage of bad loans across Indian banks to rise and cross 5 per cent in the current fiscal year.
Further, CRISIL Ltd. has projected that bad loans in banks will rise from 60000 crore to 4 trillion in the current fiscal. "Weak assets are expected to stay high at 6 per cent (Rs.5.3 trillion). Worryingly, exposure of banks to vulnerable sectors is expected to remain high, just the way it was in 2014-15," CRISIL said in a statement."
Damage control steps by PSBs
Public-sector banks have put Rs.14,000 crore worth of NPAs up for sale, to ease the burden of stressed loans on their balance sheets.
The government has permitted PSBs to raise funds from the market. While State Bank of India (SBI) is expected to raise over Rs.16,000 crore for their capital requirement, Oriental Bank of Commerce has the permission to obtain Rs.1,000 crore from the market.
This will be possible with the government's decision to reduce its holding in banks to 52 per cent. Government of India controls 22 banks through majority stake, out of 27 PSBs. In the remaining five banks, SBI has majority stake. Thus, PSBs could raise Rs.1.60 lakh crore in total by lowering government's holding.
Several other measures are being adopted to keep potential bad loans in check. For instance-To decrease NPAs, SBI is steadfastly implementing measures like web-based tracking of assets and 'regular calls' to stressed accounts in retail and real estate segments to avert slippages.
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congress is parliament of ?
results ka kya hua
bsc magazine iss month ki market main aa gayi hai????
A(n) ____________ system is a small, wireless handheld computer that scans an item's tag and pulls up the current price (and any special offers) as you shop.
(1) PSS
(2) POS
(3) inventory
(4) data mining
(5) None of these
Dear Readers,
Current affairs is an important component of several competitive exams such as the UPSC Civil Services Examination, SSC CGL, Bank PO & PSU entrance tests, etc. Therefore, understanding the terms/concepts/events that make news is critical for aspirants. We at PaGaLGuY bring you series of articles explaining some of these important concepts/events. Read on to know in detail about the RBI's role and functions.
The Reserve Bank of India is the country's apex bank and was established on April 1, 1935 according to the the provisions of the Reserve Bank of India Act, 1934. While the Central Office of the RBI was initially established in Calcutta, it was permanently moved to Mumbai in 1937. It has 19 regional offices (most of them in state capitals) and 9 sub-offices.
As per the RBI's preamble its main function is "...to regulate the issue of Bank Notes and keep reserves with a view to securing monetary stability in India and generally to operate the currency and credit system of the country to its advantage."
As the Reserve Bank is fully owned by the Government of India, the central board of directors is appointed by the government according to the RBI Act. At present Raguram Rajan is the Governor of RBI while H.R Khan is the Dy. Governor.
RBI's Functions
1. Monetary Authority: RBI formulates, implements and monitors the monetary policy. This is to ensure price stability and adequate flow of credit to productive sectors of the economy.
2. Regulator and supervisor of the financial system: As the central bank, it establishes broad parameters of banking operations for the smooth functioning of the country's banking and financial system. This is to maintain people's confidence in the system, safeguard depositors' interest and provide cost-effective banking services to the public.
3. Manager of Foreign Exchange: RBI is the custodian of the country's foreign exchange as per the Foreign Exchange Management Act, 1999. This enables to facilitate external trade and payment and ensure orderly growth and maintenance of the foreign exchange market in India.
4. Issuer of currency: The right to issues and exchange currency notes and coins is vested with the RBI. It also destroys notes and coins unfit for circulation. This will ensure uniformity in the legal tender issued, adequate supply and proper quality of currency notes and coins for the public.
5. Developmental role: RBI performs a wide range of promotional functions to support national objectives.
Related Functions
6. Banker to the Government: It carried out the government's banking needs. This includes merchant banking functions for the central and the state governments, maintaining the governments' accounts, receive funds and make payments on behalf of the government.
7. Banker's bank: The RBI maintains accounts of all the commercial banks. The RBI is responsible for changing lending rates.
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A person spent 64 percent of his salary on food (including desserts) and 16% of his salary on desserts. What percent of the salary spent on food were not spent on desserts?
Generally, At what time of the day, SBI declare results?
Sorry for the weird question