class iii & iv
TRANSCRIPT
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C entral Office DepartmentsN ew departments
F inancial Stability Unit Set up in July, 2009Set up in July, 2009
Conduct of macro-prudential sur v eillance of the financialsystem on an ongoing basis;
Preparation of financial stability reports;
Dev elopment of a data base of key v ariables which couldimpact financial stability in co-ordination with the super v isorywing of the Bank;
Conduct of systemic stress tests to assess resilience; andFollowing India's inclusion in the Financial Stability Board(FSB), the Financial Stability Unit pro v ides the Secretariat tothe Bank's representati v e in the FSB .
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Regional Office -General DepartmentsRegional Directors Department (DAPM &
HRMD)
Establishment Section (Payroll and Overheads)
Estate Department (Premises)Department of Currency Management (Cash Dept)
Deposits Accounts Department
Public Accounts Department
Public Debt Office
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Regional Office Departments
Department of Banking Super v ision
Department of Non-Banking Super v ision
Foreign Exchange Department
Rural Planning and Credit Department
Urban Banks Department
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Financial Sector Reforms Gulf war in 1990 increase in oil prices, sharpdrop in remittances from migrant workers in theGulf forex crisis in India.
Fear of default by Go v t led to outflow of forex.
Root of crisis increasing fiscal deficit leading tomacro-economic imbalances. Task of Go v t to restore macro-economicstability by reducing fiscal deficit & BoP
June 1991- Economic reforms to pro v ide anen v ironment of sustainable growth and stibility.
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Financial Sector Reforms
Economic reforms were undertaken withtwo broad objecti v es Reorient the economy from a statist, state-
dominated and highly controlled to a market
friendly, reduce controls and reduce tradebarriers.
Macro-economic stability by reducing fiscaldeficits.
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Financial Sector Reforms
In August 1991 the Gov
ernment appointedthe high le v el committee under thechairmanship of M.Narasimhan (former Go v ernor of RBI) to look into all aspects of the financial system and makecomprehensi v e recommendations for reforms. These recommendations were
implemented from 1992 onwards.
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N ARASIM H AN C OMMITTEE Deregulation of interest rates
Capital adequacy as per BIS norms ( 8% butIndian banks asked to maintain 9%)
Income Recognition & Asset Classification norms(IRAC)
Entry of new pri v ate sector banks Branch licensing should be abolished. Should beleft to the commercial judgement of indi v idual
banks. No excessi v e control o v er banks. Creation of Assets Reconstruction Fund for takingov er of NPAs. Now Asset ReconstructionCom anies ha v e been set u .
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Thank Y O U