ITF Q. Under a high-seas sale agreement, the HSS seller must pay the overseas supplier as per their contract terms.
Anonymous Poll
93%
TRUE
7%
FALSE
Forwarded from IIBF CERTIFICATION 2025 DAILY UPDATES
Reserve Bank of India β Financial Stability Report (December 2025)
π Nature of Report
Biannual assessment of systemic risks and resilience of Indiaβs financial system, prepared by RBI in coordination with the FSDC sub-committee.
π Macroeconomic Assessment
β’ Indian economy remains resilient despite global uncertainties π
β’ Strong domestic demand, public capital expenditure, and controlled inflation support stability
β’ Growth momentum sustained in FY 2025-26 π
π¦ Banking Sector Strength
β’ Asset quality at multi-decade best levels β
β’ Gross NPA ratio ~2.1 %β2.2 % (Sept 2025) β historic low π
β’ Capital Adequacy Ratio (CRAR):
πΉ PSBs ~16 %
πΉ Private Banks ~18 %
(well above Basel III minimum threshold of 11.5 %)
β’ Profitability and liquidity buffers remain strong πͺ
π§ͺ Stress Test Results
β’ Even under severe macro-stress scenarios, banks remain above minimum regulatory capital norms π‘οΈ
β’ Indicates high shock-absorption capacity of the system
β οΈ Key Risk Concerns Highlighted by RBI
β’ Unsecured Retail Lending Risk π΄
β Unsecured loans form 50 %+ of fresh retail slippages
β Higher stress observed in borrowers with multiple loans
β’ FinTech-led Credit Growth Risk π²
β Fintech lending growth ~36 % YoY
β Concentration in short-tenure, unsecured personal loans
β’ Stablecoins & Crypto Risks πͺ
β Threat to monetary sovereignty and policy transmission
β RBI reiterates preference for CBDC (Digital Rupee)
β’ External Sector Risks π
β Global geopolitical tensions
β Capital flow volatility and exchange rate pressures
π§ Overall Assessment
β’ Financial system remains stable, resilient, and well-capitalised
β’ RBI advises heightened supervisory vigilance on unsecured lending and fintech partnerships
β’ Focus on proactive risk management to sustain long-term stability
π― Exam-Oriented Keywords
Financial Stability β’ Stress Testing β’ GNPA at Historic Low β’ Unsecured Loans Risk β’ Fintech Credit β’ Stablecoin Risk β’ Capital Adequacy β’ Systemic Resilience
π Nature of Report
Biannual assessment of systemic risks and resilience of Indiaβs financial system, prepared by RBI in coordination with the FSDC sub-committee.
π Macroeconomic Assessment
β’ Indian economy remains resilient despite global uncertainties π
β’ Strong domestic demand, public capital expenditure, and controlled inflation support stability
β’ Growth momentum sustained in FY 2025-26 π
π¦ Banking Sector Strength
β’ Asset quality at multi-decade best levels β
β’ Gross NPA ratio ~2.1 %β2.2 % (Sept 2025) β historic low π
β’ Capital Adequacy Ratio (CRAR):
πΉ PSBs ~16 %
πΉ Private Banks ~18 %
(well above Basel III minimum threshold of 11.5 %)
β’ Profitability and liquidity buffers remain strong πͺ
π§ͺ Stress Test Results
β’ Even under severe macro-stress scenarios, banks remain above minimum regulatory capital norms π‘οΈ
β’ Indicates high shock-absorption capacity of the system
β οΈ Key Risk Concerns Highlighted by RBI
β’ Unsecured Retail Lending Risk π΄
β Unsecured loans form 50 %+ of fresh retail slippages
β Higher stress observed in borrowers with multiple loans
β’ FinTech-led Credit Growth Risk π²
β Fintech lending growth ~36 % YoY
β Concentration in short-tenure, unsecured personal loans
β’ Stablecoins & Crypto Risks πͺ
β Threat to monetary sovereignty and policy transmission
β RBI reiterates preference for CBDC (Digital Rupee)
β’ External Sector Risks π
β Global geopolitical tensions
β Capital flow volatility and exchange rate pressures
π§ Overall Assessment
β’ Financial system remains stable, resilient, and well-capitalised
β’ RBI advises heightened supervisory vigilance on unsecured lending and fintech partnerships
β’ Focus on proactive risk management to sustain long-term stability
π― Exam-Oriented Keywords
Financial Stability β’ Stress Testing β’ GNPA at Historic Low β’ Unsecured Loans Risk β’ Fintech Credit β’ Stablecoin Risk β’ Capital Adequacy β’ Systemic Resilience
β€1
CCP Q. Capital Conservation Buffer (CCB) must be maintained in the form of Common Equity Tier 1 capital.
Anonymous Poll
88%
TRUE
12%
FALSE
KYC/AML Q. Administrative model FIUs can request additional information from financial institutions.
Anonymous Poll
87%
TRUE
13%
FALSE
TIRM Q. CLNs provide higher yields to investors by exposing them to specific credit events.
Anonymous Poll
93%
TRUE
8%
FALSE
DRA Q. Non-credit products can be offered by MFIs without customer consent.
Anonymous Poll
39%
TRUE
61%
FALSE
Forwarded from Caiib 2025 all papersοΈ
π’π€ Partnership Firm ya LLP? Confusion Khatam!
Formation | Liability | Tax | Compliance β sab cover
π Live Class Link: https://youtube.com/shorts/vd6Dei90Tng
#LearningSessions
Formation | Liability | Tax | Compliance β sab cover
π Live Class Link: https://youtube.com/shorts/vd6Dei90Tng
#LearningSessions
YouTube
LLP vs partnership firm #learningsessions
Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.
ITF Q. INCOTERMS 2020 reduced the total number of rules compared to INCOTERMS 2010.
Anonymous Poll
90%
TRUE
10%
FALSE
TIRM Q. Indian companies issuing GDRs must comply with FEMA and FDI guidelines.
Anonymous Poll
95%
TRUE
5%
FALSE
Forwarded from Bank Promotions all Banks οΈ
β DebitβCredit mistakes killing your score?
β Fix it with this power-packed video
π― JAIIB | CAIIB | Banking Exams
βΆοΈ Watch Now: https://youtube.com/shorts/EhLRMcGcMLc
β Fix it with this power-packed video
π― JAIIB | CAIIB | Banking Exams
βΆοΈ Watch Now: https://youtube.com/shorts/EhLRMcGcMLc
YouTube
Real personal nominal accounts
Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.
β€1
KYC/AML Q. The primary objective of money laundering is to conceal the illicit origin of funds and make them appear legal.
Anonymous Poll
93%
TRUE
7%
FALSE
TIRM Q. The redemption amount of a bond can be more than its face value in zero-coupon bonds.
Anonymous Poll
59%
TRUE
41%
FALSE
Forwarded from IIBF CERTIFICATION 2025 DAILY UPDATES
ππ Promotion ΰ€€ΰ₯ΰ€―ΰ€Ύΰ€°ΰ₯ ΰ€Άΰ₯ΰ€°ΰ₯ ΰ€ΰ€°ΰ₯ΰ€ β One Video Solution
π¦ Applicable for PSU Banks, RRBs, Cooperative Banks
π₯ Video Explanation: https://youtube.com/shorts/GSeIZXGEFlY
#LearningSessions #PromotionExam #BankingBooks
π¦ Applicable for PSU Banks, RRBs, Cooperative Banks
π₯ Video Explanation: https://youtube.com/shorts/GSeIZXGEFlY
#LearningSessions #PromotionExam #BankingBooks
YouTube
Bank promotions all banks books #learningsessions
Enjoy the videos and music you love, upload original content, and share it all with friends, family, and the world on YouTube.
CCP Q. Specified Borrowers must raise 100% of incremental funds through market instruments.
Anonymous Poll
62%
TRUE
38%
FALSE
DRA Q. FPC mandates that application procedures should not be cumbersome.
Anonymous Poll
94%
TRUE
6%
FALSE
Regulatory & RBI Policy Updates β Key Highlights (Latest)
π¦ Dividend Payout Framework (Draft)
β’ Dividend distribution to be linked with CRAR, asset quality (GNPA/NNPA), and profitability
β’ Objective: strengthen capital buffers and ensure financial stability
β’ Implementation proposed from FY 2026β27
π§ββοΈ Governance Reforms β Co-operative Banks
β’ Director tenure cap: 10 years
β’ Mandatory cooling-off period: 3 years after maximum tenure
β’ Aim: improve board independence and governance standards
π³ Digital Banking Authorization Norms
β’ Prior RBI approval mandatory for internet, mobile, USSD, and SMS banking
β’ Enhanced focus on cybersecurity, IT audit, and risk controls
β’ Effective from 1 January 2026
π€ Co-Lending Framework (BanksβNBFCs)
β’ Uniform rules for risk sharing, customer protection, and disclosures
β’ Lead bank responsible for compliance and monitoring
β’ Effective from 1 January 2026
π NBFC Regulatory Action
β’ Cancellation of CoR of 35 NBFCs for non-compliance
β’ Strong signal on zero tolerance for regulatory lapses
π Credit Risk & Related-Party Lending
β’ Stricter controls on loans to promoters, directors, and related parties
β’ Enhanced disclosure and approval thresholds based on exposure size
ποΈ Dormant / Inactive Account Monitoring
β’ Inactive and zero-balance accounts subject to closure if KYC not updated
β’ Objective: reduce fraud, mule accounts, and operational risk
π Regulatory Focus Areas (2026 Outlook)
β’ Asset quality vigilance (especially unsecured retail & agri loans)
β’ Stronger governance, compliance discipline, and risk-based supervision
β’ Consolidation of circulars into Master Directions for clarity and uniformity
π¦ Dividend Payout Framework (Draft)
β’ Dividend distribution to be linked with CRAR, asset quality (GNPA/NNPA), and profitability
β’ Objective: strengthen capital buffers and ensure financial stability
β’ Implementation proposed from FY 2026β27
π§ββοΈ Governance Reforms β Co-operative Banks
β’ Director tenure cap: 10 years
β’ Mandatory cooling-off period: 3 years after maximum tenure
β’ Aim: improve board independence and governance standards
π³ Digital Banking Authorization Norms
β’ Prior RBI approval mandatory for internet, mobile, USSD, and SMS banking
β’ Enhanced focus on cybersecurity, IT audit, and risk controls
β’ Effective from 1 January 2026
π€ Co-Lending Framework (BanksβNBFCs)
β’ Uniform rules for risk sharing, customer protection, and disclosures
β’ Lead bank responsible for compliance and monitoring
β’ Effective from 1 January 2026
π NBFC Regulatory Action
β’ Cancellation of CoR of 35 NBFCs for non-compliance
β’ Strong signal on zero tolerance for regulatory lapses
π Credit Risk & Related-Party Lending
β’ Stricter controls on loans to promoters, directors, and related parties
β’ Enhanced disclosure and approval thresholds based on exposure size
ποΈ Dormant / Inactive Account Monitoring
β’ Inactive and zero-balance accounts subject to closure if KYC not updated
β’ Objective: reduce fraud, mule accounts, and operational risk
π Regulatory Focus Areas (2026 Outlook)
β’ Asset quality vigilance (especially unsecured retail & agri loans)
β’ Stronger governance, compliance discipline, and risk-based supervision
β’ Consolidation of circulars into Master Directions for clarity and uniformity
β€2
ITF Q. Internationally reputed inspection agencies like SGS can issue inspection certificates accepted in global trade.
Anonymous Poll
94%
TRUE
6%
FALSE
TIRM Q. Foreign Currency Convertible Bonds (FCCBs) are not subject to ECB regulations.
Anonymous Poll
43%
TRUE
57%
FALSE
Forwarded from Bank Promotions all Banks οΈ
π₯π’ Donβt Miss β Bank Promotion Series
π All Bank Promotion Rules Explained Clearly
π¦ SBI | PNB | RRB
π Class 8 | Hindi
π Class Link: https://youtube.com/live/2axE7cu78p4
π All Bank Promotion Rules Explained Clearly
π¦ SBI | PNB | RRB
π Class 8 | Hindi
π Class Link: https://youtube.com/live/2axE7cu78p4
YouTube
SBI | PNB | RRB Promotion Exams | All Bank Promotion Rules Explained | Class 8 | Hindi
SBI | PNB | RRB Promotion Exams | All Bank Promotion Rules Explained | Class 8 | Hindi
Is video mein SBI, PNB aur RRB promotion exams ke complete promotion rules ko detail mein explain kiya gaya hai. Ye class specially un bankers ke liye hai jo Clerk seβ¦
Is video mein SBI, PNB aur RRB promotion exams ke complete promotion rules ko detail mein explain kiya gaya hai. Ye class specially un bankers ke liye hai jo Clerk seβ¦
ITF Q. A Truck Receipt is primarily used for long-distance ocean shipments between continents.
Anonymous Poll
48%
TRUE
52%
FALSE
TIRM Q. FCCBs are allowed to attach equity warrants at the time of issue.
Anonymous Poll
86%
TRUE
14%
FALSE