Northern River Terrapin
●The northern river terrapin is a species of riverine turtle native to Southeast Asia.
●It is classified Critically Endangered by the IUCN and considered extinct in much of its former range. 
●Captive breeding project was established in Sajnekhali Forest Station in the Sunderban Tiger Reserve in India.

✔️GA ASKED IN IDBI PGDBF (04/09/2021)

1. Limit of payment banks' deposit before the new amendment.
2. Definition of NPA
3. Banks merged to form Imperial Bank of India.
4. Plastic card through which bank sets a limit for individual to access money.
5. World bank chairperson
6. Digital Payment Index of July 2021.
7. Mutual funds company used to lend the amounts in which type of funds.
8. 91,182,364 days tenure of which type of certificate.
9. HSBC bank provides which thing first time in 1986.
10. Retail market inflation can be calculated by which type of Index.
11. Question related to white label ATM.
12. Question related to IPO
13. Question related to soverign gold bond
14.MSF is the facility through which bank can borrow money for overnight through which organisation.
15. First payment bank in India.
16. Which bank have rights to issue electoral bond authorized by GOI.
17. Headoffice of DICGC in which city?
18.DICGC Headquarters
19.World Lion Day
20.New Shekel Currency
21.1st Payment Bank
22.WTO Members
23.Standard Chartered Bank Headquarter
24.Zen Garden in which state in India
25.MSF Question
26.Golden Threshold Author
27.Mutual Fund Related 28.Question related to GIFT City
29.EMV Chip- Full Form
30. HSBC ATM launched in which year
31.Railtel Wifi launched by whom
32. AU Finance Bank Tag line
33.Venture Capital Fund by
34.PFRDA under which organization

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BANKING AND FINANCIAL AWARENESS

🧰Basel Committee on Banking Supervision (Basel III)🧰

The Basel Committee on Banking Supervision (BCBS) is a committee of banking supervisory authorities that was established by the central bank governors of the Group of Ten countries in 1974. The committee expanded its membership in 2009 and then again in 2014. In 2019, the BCBS has 45 members from 28 Jurisdictions, consisting of Central Banks and authorities with responsibility of banking regulation. It provides a forum for regular cooperation on banking supervisory matters. Its objective is to enhance understanding of key supervisory issues and improve the quality of banking supervision worldwide. The Committee frames guidelines and standards in different areas – some of the better known among them are the international standards on capital adequacy, the Core Principles for Effective Banking Supervision and the Concordat on cross-border banking supervision. The Committee's Secretariat is located at the Bank for International Settlements (BIS) in Basel, Switzerland. The Bank for International Settlements (BIS) hosts and supports a number of international institutions engaged in standard setting and financial stability, one of which is BCBS. Yet like the other committees, BCBS has its own governance arrangements, reporting lines and agendas, guided by the central bank governors of the Group of Ten (G10) countries.


Basel III (or the Third Basel Accord or Basel Standards) is a global, voluntary regulatory framework on bank capital adequacy, stress testing, and market liquidity risk. This third installment of the Basel Accords (see Basel I, Basel II) was developed in response to the deficiencies in financial regulation revealed by the financial crisis of 2007–08. It is intended to strengthen bank capital requirements by increasing bank liquidity and decreasing bank leverage.

Basel III was agreed upon by the members of the Basel Committee on Banking Supervision in November 2010, and was scheduled to be introduced from 2013 until 2015; however, implementation was extended repeatedly to 31 March 2019 and then again until 1 January 2022.

Overview
The Basel III standard aims to strengthen the requirements from the Basel II standard on bank's minimum capital ratios. In addition, it introduces requirements on liquid asset holdings and funding stability, thereby seeking to mitigate the risk of a run on the bank.

Key principles
Capital requirements
The original Basel III rule from 2010 required banks to fund themselves with 4.5% of common equity (up from 2% in Basel II) of risk-weighted assets (RWAs). Since 2015, a minimum Common Equity Tier 1 (CET1) ratio of 4.5% must be maintained at all times by the bank.

The minimum Tier 1 capital increases from 4% in Basel II to 6%,[4] applicable in 2015, over RWAs.[5] This 6% is composed of 4.5% of CET1, plus an extra 1.5% of Additional Tier 1 (AT1).

Furthermore, Basel III introduced two additional capital buffers:

A mandatory "capital conservation buffer", equivalent to 2.5% of risk-weighted assets. Considering the 4.5% CET1 capital ratio required, banks have to hold a total of 7% CET1 capital ratio, from 2019 onwards.
A "discretionary counter-cyclical buffer", allowing national regulators to require up to an additional 2.5% of capital during periods of high credit growth. The level of this buffer ranges between 0% and 2.5% of RWA and must be met by CET1 capital.
Leverage ratio
Basel III introduced a minimum "leverage ratio". This is a non-risk-based leverage ratio and is calculated by dividing Tier 1 capital by the bank's average total consolidated assets (sum of the exposures of all assets and non-balance sheet items).[6][7] The banks are expected to maintain a leverage ratio in excess of 3% under Basel III.

In July 2013, the U.S. Federal Reserve announced that the minimum Basel III leverage ratio would be 6% for 8 Systemically important financial institution (SIFI) banks and 5% for their insured bank holding companies.

Class at 8:00 banking and financial Awareness month Jan to Aug most important questions