Banking: PCA Framework, Countercyclical Capital buffer (CCCB) & BASEL-III Capitalization Norms
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- Опубликовано: 26 авг 2024
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- Banks must maintain an adequate capital base to protect themselves against "bank runs" and NPAs. Therefore, BASEL Committee on banking supervision has prescribed certain norms.
- First: they must maintain a minimum capital to risk weighed asset ratio (CRAR). RBI has prescribed limits and deadlines for its compliance.
- To comply with these norms, public sector banks of India will require 1.8 lakh crore additional capital, out of which, government of India is supply Rs. 70,000 crores under the Mission Indradhanush.
- Secondly, during the boom period, Banks are required to set aside certain capital buffer, which they've to use as loans during the bust period. This is known as countercyclical capital buffer- although RBI Governor Dr. Urjit Patel has said, we don't need it for the moment.
In 2002, the then RBI governor Bimal Jalan had drafted prompt corrective action (PCA) framework against weak banks, now Dr. Urjit Patel has further strengthen it. In what circumstances can RBI use this tool, we shall see in today's lecture.
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I was struggling with cccb due to all the jargons in the text books.. I'm glad I stumbled upon this video ..
Respected Mrunal Sir
I would request you not to leave your channel. I understand your life's complications. At the same timr you are such a great teacher with a great motive, along with such unique methodologies.
We all can contribute our love in form of monetary support towards your channel. You have benefited such a huge base of students, I am sure all will help you. But your lectures are just flawless, so easy to understand yet so valuable. Please reconsider your decision and find a solution. Please put up your details where we can send help/support for your selfless service. I will always remain indebted to you.
Agreed
This videos will never get old...
Each year aspirants are learning from them.
READ DESCRIPTION
Tier 1 : Common Shares (during Boom pd. as Countercyclical Capital Buffer) , Some part of their Total Capital
Tier 2 : Debt (Bonds)
PCA applies to all SCB except the RRB
Speechless! Your are the best teacher I have ever been taught by in my academic life till now. You are the SAVIOUR of aspirants like me who can't afford coaching classes. I AM INFINITELY GRATEFUL TO YOU. THANKS FORM THE BOTTOM OF MY HEART.
Thank you Mrunal sir. A great teacher is who makes difficult lessons interesting and easy to understand; you have this quality, thus, you are undoubtedly the great. Hats off to you sir.
Really sir... You are a Awesome and best teacher... Only few teachers have this ability Sir to understand the need of students... Thank you so much sir
Sir' best line- Samajh aya to theek h nai to Rtta Maro Zindabad. I have never had so much fun learning finance.
So many people are questioning here if the series would be completed or not. How can you be so selfish to not realize the huge favor he is doing on us.. If you cant appreciate his hard work and commitment. thats ok too.. but at least dont criticize him.. You are free to look for other sources.
Oh do shut up dear
U r absolutely having a great social service........... waiting for ur new videos in good quality version...... hope u will complete every topic
Sirji you are great really.....
Excellent explanation.
sir ....jldi kijea aapke video ka revision krna hai kaisa hoga ...economics is totally dependent on u....plllzzz plzz finish as early as possible......
aap hi real bahubali hai hmlog ke lea .....jai bahubali ...
lol aur ghee dal pls
@@MrClauried jitna dalo kam hai. Inka toh students roz peir dho de. Literally words kam pad jayenge unke gun gaane me. Real mvp.
@@misterkayy sahi baat hai, sir is the best
Sir, Your teaching is fun with lots of knowledge. Thankful to you for teaching me and everybody. respect and lots of love.
Wonderful explanation sir 👍
I am from gujarat and he is also from my state
sir ap jaisa is duniya me koi nhi..................
Economy means Mrunal sir.. Never thought without commerce background economy would become soo easy and interesting.. Thanks is just a small word sir
Watching just to get feel of old days again and start fresh 😊
Thanks sir 👍
He says "you don't need PhD level understanding". But this is otherwise a PhD level topic for me now made easy just bcz of your teaching. Evergreen and best consistent educator for UPSC. The first Gen online educator. The Guru of gurus of all UPSC online educators.. The Great Mrunal of India!
मृणाल सर इज रियल हीरो ऑफ economy.
I am engineer but you make possible that even we can understand this.Hats off to you sir
To meet requirement of CRAR, banks may reduce its Risk Weightage Assets (RWA) by limiting credit creation activities (reducing loans). If RWA decreases then it will automatically reduce requirements of capital.
Thanx sir plz upload videos asap
Thank u Sir🙏
Thankyou very much sir. No formula work for upsc economics except your lecture. Thanx a lot sir for your time
Sir waiting for the rest of the videos !! I love economics, n its just becoz of you ! Kindly complete the course soon! :)
Thank you sir🙏
Thank you so much sir
Thanks sirr 🙏🏻🙏🏻🙏🏻you are great economy teacher 🙏🏻🙏🏻🙏🏻
Simple and lucid presentation.keep up great work .please make a video on Forex and priority sector
You are the one of the best teachers in India..period
Excellent. Great Explanation
eagerly waiting for ur videos...plz complete all the videos ....
pranaam guruji
thanks sir ji for free and very valuable education
Sir youtube se kaha chLe gaye aap.. sir aap jaisa koi dusra nahi.. plz be regular on youtube
Really helpful
what a lecture
thanks a lot sir!
thanks for great explain
sir plz upload videos as possible as soon....just 1 month left
Thank u sir ...🙏🏻 ya topic
Amazing sir!!
Sir you are amazing :) if some one preparing for 2018 just confirm if mrunal sir's series is enough or not ?
Thank you so much sir 👍👍👍
Thankyou
Thank you sir 😊🙏
I think you must be declared as BIG NATIONAL ASSET.....
thanks sir !
Thanks sir.....
thank you sir it is awesome
crar and cccb, number is prescribed by countriies central banks or bis?
I cannot find the slides for this lecture. Can anyone help?
Great ho sir ji
sir u r the best
thanks sir
Super sir..
Salute to you sir
Mrunal patel sir is best
Sir gst par video banaye plesse
sir, please try to upload as soon as possible.
Sir question comes from your this video in preliminary exam but they use CAR instead of CRAR
best chanel
Date : 11/10/18
Time : 10:23Hrs
Sir why are you not giving importance to banking aspirants.. Why you didn't discussed tier1 and tier 2 in detail.
sir plz look into it. After downloading the slides , the zip folder doesn't open.
Sir can it help for 2022
MRUNAL PATEL is Feynman of Economics at least for UpSC
what are additional tier 1 bonds? kindly explain
pinky philip why don't you Google that ?
How can Risk Weight Asset be more than total asset?
How can the percentage go above 100 ?
Suppose loan provided to corporates like mallya, they would be having risk greater than 100%, say 300%.
Now, CRAR being 9% i.e on every 100 rs. 9 kept aside. But since the risk is 300%. the amount that is required to be kept would be 27 (300% of 9)
Simply put, because risk can be greater than 100%
The question was can risk be more than 100% ?
At worst a person who has taken some loan can default on entire amount. If the risk is more than 100% person will default on the entire amount and also cause some extra looses, I wanted to know if that is possible. Anyway !
Risk is assessed on probability here. It is nothing to do with how much of amount is being returned but what are its chances.
It may be due to the loss of principal amount + time
the slides are not downloading in zip format
sir ap to bilkul urjit patel ji k bhai lagte h
Sir English plz... Explain in ENglsi for south Indian wala ko...
Mrunal sir naa sant kabir hain....ese meethe swar hain ki seedha dimaag me bethte hain ..waaah
sir ... prelims is hardly a month away . Provide lectures soon .
Ishan Singh it's your problem. you are getting gold for free and still you demand more. shame on you.
so called social activist ...... i dont need third party evaluation for my problems . whom i made comment ... m accountable to them . And my friend don't insert money angel in each and everything . May god bless u and ol d best 4 prelims ...👍
Sir ..how many videos do the rest?..plz upload soon..cant revise later...
Neelam Dalvi it's your problem if you can't revise. you are getting gold for free and still you demand more. shame on you.
Basel norms me to crar 8% diya hai shyd...RBI has set it 9%😰🤔
sir video late aa rahe hai ple......sir sound kam hai
sir videos kafi late ho rahe hai. kab tak complete ho paega. revision nahi ho paega this time it seems sir.
donate kiya? before asking someone for something he is not liable at all and letting him down
Micheal T Haan Kia..BT who r u to question? do Ur own job. I know he z nt liable to ne1. niether m totally dependent on this lecture series. n his image n stature z nt low as SM ppl like u may think. pls go n study bro,stop mongering. al d best.
I can question u the same way u r questioning him. My whole point is he has felt let down after the constant bombardment of people like you, which any mrunal fan wont feel good about and if you dont believe me watch the next videos where we can clearly make out how he feels.
ATB to u too..
Micheal T I respect him alot n these questions doesn't deter in ne sense. I have been following him fr past 3yrs. he z too strong n resilient towards such comments. I havet seen his all videos as prelim z too close. let's leave this debate here nly. let him do his work n let's do ours. atb. n kudos to mrunal sirs effort.tx
economics mrunal sir se kaun accha samjha sakta h bhai...
17:57 PCA hai
Jidd karte hain ..Alok nath hahaha
ratta maro zindabad :D :D
why not completely in english...?
Sukanya Selvaraj you are getting something great for free and you still want more? Shame on you. You have no right to demand anything. If you want to learn from him, better you find a way to understand him.
because he has to reach masses
Suti baje chm chm vidya aabe dm dm, haryanvi version लठ लागै दैड दैड विद्या आवै सैड फैड 😀😀
sir your voice is too low to hear, plz improve sound system
Video's volume is really low
sab log farzi h , i wish mrunal closes this free charity , we dont deserve it
Sir really disappointed by your failed commitments. Pls upload the videos asap... You are such a nice teacher... Such behavior was never expected.
Its easy to blame someone but you must understand the efforts & time Mrunal is devoting in making these lectures. And where he failed in his commitments? He said he will "try" to finish the eco survey before prelims. If you are so disappointed then go and take some coaching walas materials and read those or "Khud bhi kuch padh lo". Its a hypocrisy that instead of thanking Mrunal, you are playing blame game. Shame.
If not possible mrunal sir should announce that upto when this will be finished..if he can't complete this year that also he can say..so that we can read from other resource. Because we don't want to read same thing from two source at least economy(where mrunal sir is best) we should have confirmation whether it will finished enough days before prelims 17..no one can see all lecture if uploaded till last date..
GAURAV Kumar mrunal i really apologize if i hurt your sentiments... And i am really thankful and grateful to mrunal sir for such great efforts but the disappointment is only with those whom you trust... For economy no one is better than the best (mrunal sir)... The only thing i wanted is completion of course asap.. Or at least the date when can he complete it else we would not wait for the course and prepare accordingly. Thanx
it seems now impossible to finish this BES17 series before this year prelims...in one month this many lecture ...better see other source..
Maa kasam.... Lord Curzon lag rahe ho bhai Tum..... Wats the need for mrunal to stick to timelines if at all he promised something.... Remember one thing he is offering this lecture for free.... You need to have some attitude of gratitude....
Thank you sir 🙏
Thank you very much sir