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Indian Banking Structure JAIIB by Learning Sessions

Banking sector of India comprises of multiple tiers of banks arising to cater the financial requirements of the nation. At the apex level, the RBI functions as the central bank while at its second level comprises of Commercial Banks; public sector banks, private and foreign banks taking up mobilization of deposits and lending businesses. Co-operative Banks are specifically requite for conclusion and agriculture while Development Banks make money for long enduring projects. It also fosters economic stability, development & financial inclusion all over the economic sectors. For more info join us

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Indian Banking Structure JAIIB by Learning Sessions

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  1. INDIAN BANKING INDIAN BANKING STRUCTURE STRUCTURE Learning Sessions

  2. Overview Overview The Indian banking structure is a hierarchical system comprising of the Reserve Bank of India (RBI), commercial banks, regional rural banks, cooperative banks, and urban cooperative banks. The RBI is the central bank responsible for regulating and supervising the banking sector. Commercial banks are further categorized into public and private sector banks. Regional rural banks and cooperative banks primarily cater to rural areas, providing financial services to small-scale entrepreneurs and farmers. Urban cooperative banks focus on urban areas, serving the needs of small businesses and retail customers.

  3. ELIGIBILITY CRITERIA FOR SCHEDULED BANKS. ELIGIBILITY CRITERIA FOR SCHEDULED BANKS. The eligibility criteria for scheduled banks in India are outlined by the Reserve Bank of India (RBI). Generally, a bank must meet certain criteria to be considered a scheduled bank, including being registered with the RBI, having a minimum net worth of ₹100 crore, and maintaining a minimum capital adequacy ratio of 9%. Additionally, the bank must also meet liquidity requirements, such as maintaining a minimum liquid asset ratio of 30%. Other criteria may include having a wide network of branches and ATMs, offering a range of banking products and services, and meeting regulatory requirements.

  4. AMENDMENTS IN THE BANKING REGULATION AMENDMENTS IN THE BANKING REGULATION ACT 2020 ACT 2020 The Banking Regulation Act, 2020 is a significant piece of legislation that aims to strengthen the regulatory framework of the Indian banking industry. The amendments introduced in this act focus on enhancing the resilience and stability of the banking system. Key changes include increased oversight of lending, enhanced provisioning for bad loans, and stricter guidelines for risk management. The act also empowers the Reserve Bank of India to take corrective actions in case of a bank's financial distress. Overall, the amendments aim to promote a strong and stable banking system, ensuring the protection of depositors' interests and fostering economic growth.

  5. Thank you Thank you very much! very much! Learning Sessions

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