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🚀📚 Promotion तैयारी शुरू करें – One Video Solution
🏦 Applicable for PSU Banks, RRBs, Cooperative Banks
🎥 Video Explanation: https://youtube.com/shorts/GSeIZXGEFlY
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Regulatory & RBI Policy Updates – Key Highlights (Latest)

🏦 Dividend Payout Framework (Draft)
• Dividend distribution to be linked with CRAR, asset quality (GNPA/NNPA), and profitability
• Objective: strengthen capital buffers and ensure financial stability
• Implementation proposed from FY 2026–27

🧑‍⚖️ Governance Reforms – Co-operative Banks
• Director tenure cap: 10 years
• Mandatory cooling-off period: 3 years after maximum tenure
• Aim: improve board independence and governance standards

💳 Digital Banking Authorization Norms
• Prior RBI approval mandatory for internet, mobile, USSD, and SMS banking
• Enhanced focus on cybersecurity, IT audit, and risk controls
• Effective from 1 January 2026

🤝 Co-Lending Framework (Banks–NBFCs)
• Uniform rules for risk sharing, customer protection, and disclosures
• Lead bank responsible for compliance and monitoring
• Effective from 1 January 2026

📉 NBFC Regulatory Action
• Cancellation of CoR of 35 NBFCs for non-compliance
• Strong signal on zero tolerance for regulatory lapses

📊 Credit Risk & Related-Party Lending
• Stricter controls on loans to promoters, directors, and related parties
• Enhanced disclosure and approval thresholds based on exposure size

🗂️ Dormant / Inactive Account Monitoring
• Inactive and zero-balance accounts subject to closure if KYC not updated
• Objective: reduce fraud, mule accounts, and operational risk

🔐 Regulatory Focus Areas (2026 Outlook)
• Asset quality vigilance (especially unsecured retail & agri loans)
• Stronger governance, compliance discipline, and risk-based supervision
• Consolidation of circulars into Master Directions for clarity and uniformity

🔥📢 Don’t Miss – Bank Promotion Series
📖 All Bank Promotion Rules Explained Clearly
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🚀📚 Promotion तैयारी शुरू करें – One Video Solution
🏦 Applicable for PSU Banks, RRBs, Cooperative Banks
🎥 Video Explanation: https://youtube.com/shorts/GSeIZXGEFlY
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🚫 NEGATIVE LIEN – HIGH SCORING EXAM TOPIC
▶️ https://youtu.be/0n3PYTvLuoc

📌 Explained With Examples:
• Meaning of Negative Lien
• Difference between Lien & Negative Lien
• Why Negative Lien is NOT a charge
• Usage in clean advances & temporary limits

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🔥 Promotion तैयारी का Master Class
✅ SBI Promotion
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✅ BOI Promotion
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FOREIGN BANKS & MARKET DEVELOPMENTS – LATEST UPDATE (INDIA)

🏦 Sumitomo Mitsui Banking Corporation (SMBC) – RBI Approval
• Reserve Bank of India has granted in-principle approval to SMBC to set up a Wholly Owned Subsidiary (WOS) in India.
• SMBC will convert its existing branch operations into a locally incorporated subsidiary, giving it the status of an Indian bank entity.

🏢 Why WOS Structure Matters
• 🔓 Operational flexibility: Freedom to open branches without the limitations of branch-mode foreign banks.
• ⚖️ Regulatory parity: Treated at par with domestic banks for expansion and business operations.
• 🛡️ Separate legal entity: Better risk containment and stronger regulatory oversight.

🌏 Strategic & Market Significance
• 🤝 Strengthens India–Japan financial and banking cooperation.
• 💼 Enhances foreign bank participation in corporate banking, forex, and institutional finance.
• 📈 Signals RBI’s calibrated openness to foreign banks while maintaining prudential control.
• 🌱 Reinforces India’s position as a preferred growth market for global banks, especially in wholesale and cross-border banking segments.

📌 Exam-Ready Takeaway
• Foreign banks entering India via WOS route reflect RBI’s strategy of controlled globalization with financial stability.