SBI PO 2015 Preparation & Discussion

Bank PO SBI PO
5716
SBI


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 about Indian government's capital infusion in public sector banks.

On February 7, the government announced a capital infusion of Rs.6990 crore in the current fiscal in nine PSBs. The aim is to help banks struggling with NPAs to strengthen their position.

This is the first portion of a total of Rs.11200 crore that the government had allocated in the 2014-15 Budget for capital infusion.

Based on performance

New efficiency parameters have been outlined to ensure that only efficient and highly performing banks are benefitted with the capital infusion. Criteria including return on assets (ROA) and return on equity (ROE), were considered.

Firstly, average of return on assets (ROA) for all PSBs for last three years put together was calculated and all the banks with an above average ROA have been considered.

Similarly, ROE for these banks for the last financial year has been considered. Those who have performed better than average have been rewarded. 

Banks and their share:

State Bank of India- Rs.2,970 crore

Bank of Baroda- Rs.1,260 crore

Punjab National Bank-Rs.870 crore

Canara Bank-Rs.570 crore

Syndicate Bank- Rs.460 crore

Allahabad Bank- Rs.320 crore

Indian Bank- Rs.280 crore

Dena Bank- Rs.140 crore

Andhra Bank-Rs.120 crore

The government has kept a lid on the remaining Rs.4,210 crore capital so as to curtail fiscal deficit. Banks excluded from the list are expected to focus more on retail loans instead of corporate loans so as to conserve reserves.

While the government has specified that it will reduce its stake in state run banks to 52% to give them more opportunities to raise funds, most banks are expected to approach the market to raise capital only in the next fiscal.

From 2011-2014 a total of Rs.58,600 crore has been infused in PSBs. While earlier the policy was to help banks that was eroded in terms of performance and funds, the new approach is to support banks that perform well.


To get fresh updates about different exams on your Facebook & Twitter timelines, subscribe to our pages created specifically for them. We will post only exam specific links on these pages:

Bank PO:

FB: https://www.facebook.com/pagalguybankpo

Twitter: https://twitter.com/PaGaLGuYBankPO

SSC & Other Exams:

FB: https://www.facebook.com/pages/Pagalguy-SSC-CGL-Others/879667042056262

Twitter: https://twitter.com/pagalguyssc

UPSC:

Facebook: https://www.facebook.com/pages/Pagalguy-UPSC/951926044840262

Twitter: https://twitter.com/PaGaLGuYUPSC

5717

Input: tea at road 2 9 based 4 25 sooner 6 nearest 49 8 tortures
Step I: at 2 tea road 9 based 4 25 sooner 6 nearest 49 8 tortures
Step II: at 2 based 25 tea road 9 4 sooner 6 nearest 49 8 tortures
Step III: at 2 based 25 nearest 49 tea road 9 4 sooner 6 8 tortures
Step IV: at 2 based 25 nearest 49 road 4 tea 9 sooner 6 8 tortures
Step V: at 2 based 25 nearest 49 road 4 sooner 6 tea 9 8 tortures
Step VI: at 2 based 25 nearest 49 road 4 sooner 6 tea 9 tortures 8

other Input: bus 9 a joints rose 1 6 4 toe 49 9 princes managements 121 tight 25

plz tell d logic

5718

An out of sync / Irrelevant qn , though , what's the highest score in SBI Prelims ? Just wanted to gauge my performance .

5719

perfection is not attainable....but if we chase perfection we can catch excellence

5720

banking static knowledge k koi site hai kya..general ques lyk repo rate n limits fr various transactions

5721

does anyone has last year paper?? It will be of a great help...

5722

CP ST 17 Score 106.25 104.9 min Reas 32.75, QA 21.25, Eng 22, GA 30.25.....any one attempted share your score

5723

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 about Basel III Capital Regulations.

For Indian banks that are already burdened by bad loans, RBI's announcement extending the timeline for full implementation of Basel III capital regulations is a relief. As declared in March 2014, the deadline has been extended to March 31 2019. This extension means that banks will have adequate time to meet capital requirements under Basel III norms.

What are Basel norms?

The Basel Committee on Banking Supervision (BCBS) was set up by central bank governors of G-10 countries and has 27 member countries, including India. This committee comes up with Basel norms. These are followed by banks in India to comply with international best practices. This enables banks to be judged in com- parison to other banks as to their work practices and strength. So far BASEL-I, II, III are in operation.

What are Basel III Capital Regulations?

An effort of BCBS, Basel III or Basel III capital regulations are a set of measures to improve regulation, supervision and risk management within the banking sector. According to the Basel III regulations, banks are required to maintain proper leverage ratios and meet certain capital requirements so as to be capable of dealing with crisis situations.

Aims of Basel III regulations:

· Improve banks' ability to deal with shocks arising from financial and overall economic stress, whatever the source.

· Improve risk management and governance

· Strengthen banks' transparency and disclosures.

· Improve liquidity of assets

RBI's decision

India's central bank decided to extend the deadline for full implementation of Basel III capital regulations up to March 31, 2019, instead of March 31, 2018. It will align its implementation in India closer to the internationally agreed date of January 1, 2019.

Reasons for the extension

Weak economic growth, high interest costs and stalled projects that have reduced cash flows, have made it difficult for corporate borrowers to repay loans, causing a rise in bad loans for banks.

There have been concerns about potential stresses on the asset quality and resultant impact on the performance of the banks. This necessitates some lead time for banks to raise capital before the deadline.

What is required of banks?

Under Basel III norms:

· Banks need to have a core capital ratio of 8% and a total capital adequacy ratio of 11.5% against the current 9% now. (Capital adequacy is a measure of a bank's financial strength expressed as a ratio of capital to risk-weighted assets.)

· Banks should improve and strengthen their capital planning processes in a way that will enable banks to appropriately assess the level of capital needed to support their business strategies over the medium-term.

· Boards of banks should engage in the capital planning process and oversee its implementation as capital requirements may be substantially lower during the initial years as compared to later years of full implementation of Basel III norms.

To get fresh updates about different exams on your Facebook & Twitter timelines, subscribe to our pages created specifically for them. We will post only exam specific links on these pages:

Bank PO:

FB: https://www.facebook.com/pagalguybankpo

Twitter: https://twitter.com/PaGaLGuYBankPO

SSC & Other Exams:

FB: https://www.facebook.com/pages/Pagalguy-SSC-CGL-Others/879667042056262

Twitter: https://twitter.com/pagalguyssc

UPSC:

Facebook: https://www.facebook.com/pages/Pagalguy-UPSC/951926044840262

Twitter: https://twitter.com/PaGaLGuYUPSC

5724

got 82.25 in practice mock test-01. far away from the topper marks 103.75

5725

Do "exactly between" and " between" mean the same? 

5726

Please suggest some sample letters and essays and also from where can I know about the formats. These things are not to be taken lightly.

5727

10 pm, GA quiz *june* 

@PiMolitor @nammekyarkhahai @Rohit143 you guys in?

5728

http://s8.postimg.org/ktxjhbvol/argument.png

5729

http://www.livemint.com/Opinion/Py24b5BY45mckkhGGROT6J/Usha-Thorat--Rejuvenating-Indian-banks.html

5730

anyone who cleared sbi written plz tell the strategy for sbi mains...

5731

I am not getting notifications when someone makes a new post in this thread. What should i do ?

5732

One persistent query which I keep getting: How is the place of posting decided in SBI? Does the final order of merit has any role to play in it?

So, here goes:

Your rank plays a role in deciding which circle of SBI you are allotted. As some of you might already know, the functioning of SBI is divided into 14 circles:

Ahmedabad (covers Gujarat)

Bangalore (covers Karnataka)

Bhopal (covers MP and Chattisgarh)

Bhubaneshwar (covers Orissa)

Chandigarh (covers HP, Punjab, J&K)

Chennai (covers TN)

Guwahati (covers Assam, AP, Manipur, Meghalaya, Mizoram, Nagaland, Tripura)

Hyderabad (covers AP & Telangana)

Kolkata (covers WB and Sikkim) 

Lucknow (70% of Uttar Pradesh)

Mumbai (covers Maharashtra and Goa) 

New Delhi (covers Delhi, Rajasthan, Uttaranchal, 30% of UP)

Patna (covers Bihar & Jharkhand) 

Trivandrum (covers Kerala)

So at the time of interview, you will be asked to fill in your top 3 preferences of which circle you want allotted to you. And then if you score high enough in the final result, you will get any of the circle of your preference depending on how high you score.

So this is the point where your final score/rank stop mattering. After you are allotted a circle, which branch you are allotted in that circle, that depends entirely on the HR department of that circle. That allocation has nothing to do with how high/low you scored in the finals.

Most people, including me, did not take this circle allotment stuff seriously. But I think this is pretty important. Because once you are allotted a circle, there is NO chance that you can get an inter-circle transfer (ICT) before 7-9 years of service (and that too if you are lucky!)

Out of all the circles, Delhi, Mumbai, Chandigarh, Bangalore, Chennai are always the most sought after circles. So people from all these places, if you want to stay close to home, do try very very hard and score high so you get the circle of your preference. Even more important for people from Delhi/Mumbai because these are the places everyone wants.

5733

i am able to score 90 to 95 marks in oliveboard test series....wh else is giving oliveboard test series? 

5734

.  _____ makes it possible for shoppers to make purchases using their computers.


1.   E-world
2.   E-commerce
3.   E-spend
4.   E-business
5.   None of these

5735

Applications are often referred to as-


1.   data file
2.   executable files
3.   system software
4.   the operating system
5.   None of these