Draft Notifications - Regulating Commercial Banking - ଆରବିଆଇ - Reserve Bank of India
draft.notifications
ଅଗଷ୍ଟ 07, 2014
Draft Guidelines for Implementation of Bharat Bill Payment System (BBPS)
Introduction 1. Bill payment is a major component of the retail payment transactions. The Committee to study the Feasibility of Implementation of GIRO based Payment Systems (Chairman: Shri G. Padmanabhan, Executive Director, RBI) (2013) had estimated that over 30,800 million bills amounting to Rs.6223 billion are generated each year in the top 20 cities in the country. Though various forms of payments are accepted, cash and cheque payments continue to be predominant,
Introduction 1. Bill payment is a major component of the retail payment transactions. The Committee to study the Feasibility of Implementation of GIRO based Payment Systems (Chairman: Shri G. Padmanabhan, Executive Director, RBI) (2013) had estimated that over 30,800 million bills amounting to Rs.6223 billion are generated each year in the top 20 cities in the country. Though various forms of payments are accepted, cash and cheque payments continue to be predominant,
ପିଡିଏଫ (
ଜୁଲାଇ 22, 2014
Framework for Dealing with Domestic Systemically Important Banks (D-SIBs)
Introduction Some banks, due to their size, cross-jurisdictional activities, complexity, lack of substitutability and interconnectedness, become systemically important. The disorderly failure of these banks has the potential to cause significant disruption to the essential services they provide to the banking system, and in turn, to the overall economic activity. Therefore, the continued functioning of Systemically Important Banks (SIBs) is critical for the uninterrup
Introduction Some banks, due to their size, cross-jurisdictional activities, complexity, lack of substitutability and interconnectedness, become systemically important. The disorderly failure of these banks has the potential to cause significant disruption to the essential services they provide to the banking system, and in turn, to the overall economic activity. Therefore, the continued functioning of Systemically Important Banks (SIBs) is critical for the uninterrup
ଜୁଲାଇ 22, 2014
Draft Guidelines for setting up of and operating TReDS
Micro, Small and Medium Enterprises (MSMEs), despite the important role played by them in the economic fabric of the country, continue to face constraints in obtaining adequate finance, particularly in terms of their ability to convert their trade receivables into liquid funds. In order to address this pan-India issue through setting up of an institutional mechanism for financing trade receivables,the Reserve Bank of India had published a concept paper on “Micro, Smal
Micro, Small and Medium Enterprises (MSMEs), despite the important role played by them in the economic fabric of the country, continue to face constraints in obtaining adequate finance, particularly in terms of their ability to convert their trade receivables into liquid funds. In order to address this pan-India issue through setting up of an institutional mechanism for financing trade receivables,the Reserve Bank of India had published a concept paper on “Micro, Smal
ଜୁଲାଇ 17, 2014
Draft Guidelines for Licensing of “Payments Banks”
I. Preamble The Reserve Bank of India (RBI) issues licences to entities to carry on the business of banking and other business in which banking companies may engage, as defined and described in Sections 5 (b) and 6 (1) (a) to (o) of the Banking Regulation Act, 1949, respectively. The last time when RBI came out with a set of guidelines for licensing of new banks in the private sector was in February 2013. The process of licensing culminated with the announcement by th
I. Preamble The Reserve Bank of India (RBI) issues licences to entities to carry on the business of banking and other business in which banking companies may engage, as defined and described in Sections 5 (b) and 6 (1) (a) to (o) of the Banking Regulation Act, 1949, respectively. The last time when RBI came out with a set of guidelines for licensing of new banks in the private sector was in February 2013. The process of licensing culminated with the announcement by th
ଜୁଲାଇ 17, 2014
Draft Guidelines for Licensing of “Small Banks” in the Private Sector
I. Preamble The Reserve Bank of India (RBI) last came out with a set of guidelines for licensing of new banks in the private sector on February 22, 2013. The process of licensing culminated with the announcement by the RBI vide its Press Release dated April 2, 2014 that it would grant “in-principle” approval to two applicants who would set up new banks in the private sector within a period of 18 months. While preparing these guidelines, the Reserve Bank recognized the
I. Preamble The Reserve Bank of India (RBI) last came out with a set of guidelines for licensing of new banks in the private sector on February 22, 2013. The process of licensing culminated with the announcement by the RBI vide its Press Release dated April 2, 2014 that it would grant “in-principle” approval to two applicants who would set up new banks in the private sector within a period of 18 months. While preparing these guidelines, the Reserve Bank recognized the
ମଇ 20, 2014
Partial Credit Enhancements to Corporate Bonds – Draft Circular
DBOD.BP.BC.No. /08.12.014/2013-14 May 20, 2014 All Scheduled Commercial Banks (excluding RRBs ) Dear Sir, Partial Credit Enhancements to Corporate Bonds – Draft Circular Please refer to paragraph 30 of the Second Quarter Review of Monetary Policy 2013-14 (extract enclosed) announced on October 29, 2013 proposing to allow banks to offer partial credit enhancements to corporate bonds. 2. The corporate bond market in India currently lacks sufficient depth and liquidity.
DBOD.BP.BC.No. /08.12.014/2013-14 May 20, 2014 All Scheduled Commercial Banks (excluding RRBs ) Dear Sir, Partial Credit Enhancements to Corporate Bonds – Draft Circular Please refer to paragraph 30 of the Second Quarter Review of Monetary Policy 2013-14 (extract enclosed) announced on October 29, 2013 proposing to allow banks to offer partial credit enhancements to corporate bonds. 2. The corporate bond market in India currently lacks sufficient depth and liquidity.
ଡିସେମ୍ବର 02, 2013
Framework for Dealing with Domestic Systemically Important Banks (D-SIBs) – Draft for Comments
Introduction A few banks assume systemic importance due to their size, cross-jurisdictional activities, complexity, lack of substitutability and interconnectedness. The disorderly failure of these banks has the propensity to cause significant disruption to the essential services provided by the banking system, and in turn, to the overall economic activity. These banks are considered Systemically Important Banks (SIBs) as their continued functioning is critical for the
Introduction A few banks assume systemic importance due to their size, cross-jurisdictional activities, complexity, lack of substitutability and interconnectedness. The disorderly failure of these banks has the propensity to cause significant disruption to the essential services provided by the banking system, and in turn, to the overall economic activity. These banks are considered Systemically Important Banks (SIBs) as their continued functioning is critical for the
ନଭେମ୍ବର 29, 2013
Entry of Banks into Insurance Business – Insurance Broking Business
DBOD.No.FSD./24.01.018/2013-14 November 29, 2013 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/ Madam, Entry of Banks into Insurance Business – Insurance Broking Business Consequent to the announcement by the Finance Minister in the budget speech 2013-14 that banks will be permitted to act as insurance brokers, IRDA has formulated and notified the IRDA (Licensing of Banks as Insurance Brokers) Regulations, 2013 to enable banks to take up the business of ins
DBOD.No.FSD./24.01.018/2013-14 November 29, 2013 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/ Madam, Entry of Banks into Insurance Business – Insurance Broking Business Consequent to the announcement by the Finance Minister in the budget speech 2013-14 that banks will be permitted to act as insurance brokers, IRDA has formulated and notified the IRDA (Licensing of Banks as Insurance Brokers) Regulations, 2013 to enable banks to take up the business of ins
ଜୁଲାଇ 02, 2013
Draft Guidelines on Capital and Provisioning Requirements for exposures to corporates having unhedged foreign currency exposure
RBI/2013-14/ DBOD.No.BP.BC. /21.06.200/2013-14 July 2, 2013 The Chairman and Managing Director/ Chief Executive Officer All Scheduled Commercial Banks (Excluding RRBs and LABs) Dear Sir, Draft Guidelines on Capital and Provisioning Requirements for exposures to corporates having unhedged foreign currency exposure Please refer to paragraph 99 of the Monetary Policy Statement for 2013-14 (Extract annexed). Unhedged foreign currency exposures of the corporate are an area
RBI/2013-14/ DBOD.No.BP.BC. /21.06.200/2013-14 July 2, 2013 The Chairman and Managing Director/ Chief Executive Officer All Scheduled Commercial Banks (Excluding RRBs and LABs) Dear Sir, Draft Guidelines on Capital and Provisioning Requirements for exposures to corporates having unhedged foreign currency exposure Please refer to paragraph 99 of the Monetary Policy Statement for 2013-14 (Extract annexed). Unhedged foreign currency exposures of the corporate are an area
ଜୁନ 28, 2013
Guidelines on Wealth Management /Marketing/Distribution Services offered by Banks – Draft Guidelines
DBOD.CO.FSD.No. /24.01.026/2012-13 June 28, 2013 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam Guidelines on Wealth Management /Marketing/Distribution Services offered by Banks – Draft Guidelines Please refer to paragraphs 86, 87 and 88 (extracts enclosed) of the Monetary Policy Statement 2013-14 announcement on May 3, 2013 regarding issue of guidelines on wealth management services and distribution of third party financial products by banks. 2. The d
DBOD.CO.FSD.No. /24.01.026/2012-13 June 28, 2013 All Scheduled Commercial Banks (excluding RRBs) Dear Sir/Madam Guidelines on Wealth Management /Marketing/Distribution Services offered by Banks – Draft Guidelines Please refer to paragraphs 86, 87 and 88 (extracts enclosed) of the Monetary Policy Statement 2013-14 announcement on May 3, 2013 regarding issue of guidelines on wealth management services and distribution of third party financial products by banks. 2. The d
ଜାନୁଆରୀ 31, 2013
Review of Prudential Guidelines on Restructuring of Advances by Banks and Financial Institutions – Draft Guidelines
RBI/2012-13/ DBOD.BP.BC.No. /21.04.132/2012-13 January 31, 2013 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Review of Prudential Guidelines on Restructuring of Advances by Banks and Financial Institutions – Draft Guidelines Please refer to paragraphs 90 to 92 (extract enclosed) of the Second Quarter Review of Monetary Policy 2012-13 announced on October 30, 2012, wherein it was indicated that the draft guidelines on ‘Review of Prudential Guidelines on Re
RBI/2012-13/ DBOD.BP.BC.No. /21.04.132/2012-13 January 31, 2013 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Review of Prudential Guidelines on Restructuring of Advances by Banks and Financial Institutions – Draft Guidelines Please refer to paragraphs 90 to 92 (extract enclosed) of the Second Quarter Review of Monetary Policy 2012-13 announced on October 30, 2012, wherein it was indicated that the draft guidelines on ‘Review of Prudential Guidelines on Re
ଜାନୁଆରୀ 10, 2013
Draft Guidelines on Capital requirements for bank exposures to central counterparties
RBI/2012-13/ DBOD.No.BP.BC. /21.06.201/2012-13 January 10, 2013 The Chairman and Managing Directors/ Chief Executives Officers of All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Dear Sir, Draft Guidelines on Capital requirements for bank exposures to central counterparties Please refer to the paragraph 88 (extract enclosed) of the Second Quarter Review of Monetary Policy Statement 2012-13 announced on October 30, 2012. It was indic
RBI/2012-13/ DBOD.No.BP.BC. /21.06.201/2012-13 January 10, 2013 The Chairman and Managing Directors/ Chief Executives Officers of All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Dear Sir, Draft Guidelines on Capital requirements for bank exposures to central counterparties Please refer to the paragraph 88 (extract enclosed) of the Second Quarter Review of Monetary Policy Statement 2012-13 announced on October 30, 2012. It was indic
ଜାନୁଆରୀ 10, 2013
Draft Guidelines on Composition of Capital Disclosure Requirements
RBI/2012-13/ DBOD.No.BP.BC. /21.06.201/2012-13 January 10, 2013 The Chairman and Managing Directors/ Chief Executives Officers of All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Dear Sir, Draft Guidelines on Composition of Capital Disclosure Requirements Please refer to the paragraph 87 (extract enclosed) of the Second Quarter Review of Monetary Policy Statement 2012-13 announced on October 30, 2012. It was indicated that the draft
RBI/2012-13/ DBOD.No.BP.BC. /21.06.201/2012-13 January 10, 2013 The Chairman and Managing Directors/ Chief Executives Officers of All Scheduled Commercial Banks (Excluding Local Area Banks and Regional Rural Banks) Dear Sir, Draft Guidelines on Composition of Capital Disclosure Requirements Please refer to the paragraph 87 (extract enclosed) of the Second Quarter Review of Monetary Policy Statement 2012-13 announced on October 30, 2012. It was indicated that the draft
ସେପ୍ଟେମ୍ବର 17, 2012
Draft Supplementary Guidance on Treatment of Illiquid Positions
RBI/2012-13/ DBOD.No.BP.BC. /21.06.001/2012-13 September 17, 2012 The Chairman and Managing Director/ Chief Executive Officer All Scheduled Commercial Banks (Excluding RRBs and LABs) Dear Sir, Draft Supplementary Guidance on Treatment of Illiquid Positions Please refer to para 8.8 in the guidelines on treatment of illiquid positions contained in our Master Circular DBOD.No.BP.BC.16/21.06.001/2010-11 dated July 2, 2012 on the New Capital Adequacy Framework. The prudent
RBI/2012-13/ DBOD.No.BP.BC. /21.06.001/2012-13 September 17, 2012 The Chairman and Managing Director/ Chief Executive Officer All Scheduled Commercial Banks (Excluding RRBs and LABs) Dear Sir, Draft Supplementary Guidance on Treatment of Illiquid Positions Please refer to para 8.8 in the guidelines on treatment of illiquid positions contained in our Master Circular DBOD.No.BP.BC.16/21.06.001/2010-11 dated July 2, 2012 on the New Capital Adequacy Framework. The prudent
ଅଗଷ୍ଟ 14, 2012
Management of Intra-Group Transactions and Exposures – Draft Guidelines
RBI/2012-13/ DBOD.No.BP.BC. /21.06.102/2012-13 August 14, 2012 The Chairman and Managing Directors/ Chief Executive Officers of All Scheduled Commercial Banks (excluding RRBs and LABs) Dear Sir, Management of Intra-Group Transactions and Exposures – Draft Guidelines As a prudential measure aimed at avoiding concentration of credit risk, the Reserve Bank of India has prescribed regulatory limits on banks’ exposure to individual and Group borrowers which are laid down i
RBI/2012-13/ DBOD.No.BP.BC. /21.06.102/2012-13 August 14, 2012 The Chairman and Managing Directors/ Chief Executive Officers of All Scheduled Commercial Banks (excluding RRBs and LABs) Dear Sir, Management of Intra-Group Transactions and Exposures – Draft Guidelines As a prudential measure aimed at avoiding concentration of credit risk, the Reserve Bank of India has prescribed regulatory limits on banks’ exposure to individual and Group borrowers which are laid down i
ଫେବୃଆରୀ 21, 2012
Liquidity Risk Management and Basel III Framework on Liquidity Standards – Draft Guidelines
RBI No. 2011-12/ DBOD. BP. No. /21.04.098/ 2011-12 February 21, 2012 The Chairmen and Managing Directors / Chief Executive Officers of All Commercial Banks (Excluding RRBs and LABs) Madam/Dear Sir, Liquidity Risk Management and Basel III Framework on Liquidity Standards – Draft Guidelines The recent global financial crisis re-emphasised the importance of sound liquidity risk management framework to the functioning of financial institutions and markets. The reversal in
RBI No. 2011-12/ DBOD. BP. No. /21.04.098/ 2011-12 February 21, 2012 The Chairmen and Managing Directors / Chief Executive Officers of All Commercial Banks (Excluding RRBs and LABs) Madam/Dear Sir, Liquidity Risk Management and Basel III Framework on Liquidity Standards – Draft Guidelines The recent global financial crisis re-emphasised the importance of sound liquidity risk management framework to the functioning of financial institutions and markets. The reversal in
ସେପ୍ଟେମ୍ବର 27, 2011
Revisions to the Guidelines on Securitisation Transactions
RBI/2011-12 DBOD.No.BP. / /21.04.177/2011-12 September 27, 2011 The Chairman and Managing Director / Chief Executive Officers of All Scheduled Commercial Banks (Excluding RRBs and Local Area Banks) and All-India Term Lending and Refinancing Institutions (Exim Bank, NABARD, NHB and SIDBI) Dear Sir, Revisions to the Guidelines on Securitisation Transactions Please refer to paragraph 161 of the Second Quarter Review of the Monetary Policy for the year 2009-10 announced o
RBI/2011-12 DBOD.No.BP. / /21.04.177/2011-12 September 27, 2011 The Chairman and Managing Director / Chief Executive Officers of All Scheduled Commercial Banks (Excluding RRBs and Local Area Banks) and All-India Term Lending and Refinancing Institutions (Exim Bank, NABARD, NHB and SIDBI) Dear Sir, Revisions to the Guidelines on Securitisation Transactions Please refer to paragraph 161 of the Second Quarter Review of the Monetary Policy for the year 2009-10 announced o
ଅଗଷ୍ଟ 29, 2011
Draft Guidelines for Licensing of New Banks in the Private Sector
Over the last two decades, the Reserve Bank licensed twelve banks in the private sector. This happened in two phases. Ten banks were licensed on the basis of guidelines issued in January 1993. The guidelines were revised in January 2001 based on the experience gained from the functioning of these banks, and fresh applications were invited. The applications received in response to this invitation were vetted by a High Level Advisory Committee constituted by the Reserve
Over the last two decades, the Reserve Bank licensed twelve banks in the private sector. This happened in two phases. Ten banks were licensed on the basis of guidelines issued in January 1993. The guidelines were revised in January 2001 based on the experience gained from the functioning of these banks, and fresh applications were invited. The applications received in response to this invitation were vetted by a High Level Advisory Committee constituted by the Reserve
ଅଗଷ୍ଟ 10, 2011
Implementation of the Internal Rating Based Approaches (IRB) for Calculation of Capital Charge for Credit Risk - Draft Guidelines
DBOD.No.BP. /21.06.001/2011-12 August 10, 2011 The Chairmen and Managing Directors / Chief Executive Officers of All Commercial Banks (excluding Regional Rural Banks and Local Area Banks) Dear Sir/Madam, Implementation of the Internal Rating Based Approaches (IRB) for Calculation of Capital Charge for Credit Risk - Draft Guidelines Please refer to our circular DBOD.BP.BC.23/21.06.001/2009-10 dated July 7, 2009, inter alia, advising banks that they can apply for migrat
DBOD.No.BP. /21.06.001/2011-12 August 10, 2011 The Chairmen and Managing Directors / Chief Executive Officers of All Commercial Banks (excluding Regional Rural Banks and Local Area Banks) Dear Sir/Madam, Implementation of the Internal Rating Based Approaches (IRB) for Calculation of Capital Charge for Credit Risk - Draft Guidelines Please refer to our circular DBOD.BP.BC.23/21.06.001/2009-10 dated July 7, 2009, inter alia, advising banks that they can apply for migrat
ଜୁଲାଇ 06, 2011
Section 19 of the Banking Regulation Act, 1949 - Equity Investments in subsidiaries and other companies– Draft Guidelines
RBI/2011--12 DBOD.FSD.BC. / /2011-12 July 6, 2011 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Section 19 of the Banking Regulation Act, 1949- Equity Investments in subsidiaries and other companies– Draft Guidelines Please refer to the instructions contained in paragraphs 2 and 3 of our Master Circular DBOD. No. FSD.BC.15/24.01.001/2011-12 dated July 1, 2011 on Para-Banking Activities which deal with the guidelines for setting up of subsidiaries by banks
RBI/2011--12 DBOD.FSD.BC. / /2011-12 July 6, 2011 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Section 19 of the Banking Regulation Act, 1949- Equity Investments in subsidiaries and other companies– Draft Guidelines Please refer to the instructions contained in paragraphs 2 and 3 of our Master Circular DBOD. No. FSD.BC.15/24.01.001/2011-12 dated July 1, 2011 on Para-Banking Activities which deal with the guidelines for setting up of subsidiaries by banks
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