Reforms Final

8/9/2019 Reforms Final

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BANKING REFORMSCOMMITTEES


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NEWS

RBI curbs free usage of cross-bank ATMs

ICICI Bank oers EMI schee on !eb"# car!

$urchase RBI #o con!uc# fre%uen# #er re$os for&e'"b(e cash anageen#

RBI #o (o)er ce"("ng on bank (oans #o s"ng(e

cor$ora#e grou$*a"#(e+ nu!ges RBI #o cu# ra#e for boos#"nggro)#h


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NA,AK COMMITTEE

THE RESERVE BANK OF INDIA CONSTITUTED ON 9DECEMBER 1991, A COMMITTEE UNDER THECHAIRMANSHIP OF MR. P.R. NAYAK, DEPUTYGOVERNOR TO EXAMINE THE DIFFICULTIESCONFRONTING THE SMALL SCALE INDUSTRIES (SSI)IN THE COUNTRY IN THE MATTER OF SECURINGFINANCE.


4/24

SALIENT FEATURES

Giv !"#"$% &' vi* i$+-&"i-, &i$ i$+-&"i- $+ '&/" -0-% i$+-&"i-

E%/ "$%/ '# &/ $2- -/'+ !"!" $ $$ +*& i$

"-!%& '# 3'"2i$* %!i& "4i"0$&- '# SSI5- -i$* 6$$%i$* *$% 0&- '&/ &/ "4i"0$& '# &/ 3'"2i$*

%!i& $+ &"0 %"+i& #'" -0 -% $i&-

Ri- **"*& #$+7-+ 3'"2i$* %!i& %"+i& i0i&-

$-" "*" $+ &i0 -0i--i'$ '# 0'$&/ -&&0$&- '#

-&'%2-, "%iv- D- -/'+ -&&+ '""'3"- 3i&/i$ 08i00 !"i'+ '# :

+- #"'0 +& '# -!! $+ i& i- &' %"&i6+ &/ -&&&'"+i&'"- '# &/ '""'3i$* $i&- '$ 4"&" -i-


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RECOMMENDATIONS

T/" i- $+ &' !*"+ &/ 4i& '# '"+ +i"&i'$i$ !i% -%&'" $2- &' !"'vi+ *"&" -&"&*i% #'%-

T/ C$+" '# Rvi3- $+- i&/" &' "v'2+, '"- &' #"-/ +-i*$+ -' - &' *iv -!%i6% &&$&i'$&' -i$-- -&"&* $+ "i-2 0$*0$&

T/ G'v"$0$& $+- &' 0'v "!i+ &'3"+--&i-/i$* # 0!'3"+ '"+- i$ !i% -%&'" $2-

T/ G'v"$0$& -/'+ -& ! B$2 I$v-&0$&C'0!$ (BIC) &' /'+ 4i& -&2- i$ $2- 3/i%/ "!"-$& /+ &/ G'v"$0$& $+ BIC -/'+ i$%'"!'"&+ $+" &/ C'0!$i- A%&


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CONTINUED;

I& 3'+ +-i" #'" &/ $2 i%$-i$* "*i0 &'0'v &' $i#'"0 i%$- %"'-- "'+7-+ $2-

I& i- "%'00$++ &/& B$2 B'"+- B" (BBB) &' -& ! $ 8%&iv '"+" '# &/ *'v"$0$& $+%'0!"i- &/" -$i'" $2"- %/'-$ #"'0 0'$* &/'-3/' " i&/" -"vi$* '" "&i"+ C/i"0$ '# $2-

RBI -/'+ +-i*$& -!%i6% %&*'" '# i$v-&'"- i$

$2- - A&/'"i-+ B$2 I$v-&'"- (ABI-)


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SEVEN POINT ACTION PLAN

Ti0 '$+ %&i'$ #'" -&&i$* ! -!%ii-+ SSI "$%/- i$ =>i+$&i6+ +i-&"i%&- '# /i*/ -0 i$+-&" +$-i&.

A+4& +*&i'$ '# !'3"- & &/ "$%/ $+ "*i'$ v.

B$2- &' %'$+%& -0! -"v- '# &/i" !"#'"0i$* SSI %%'$&-&' 6$+ '& 3/&/" &/ " *&&i$* +4& %"+i&.

S&!- &' &2$ &' - &/& - #" - !'--i %'0!'-i& '$-(%'v"i$* '&/ &"0 '$- $+ 3'"2i$* %!i&) " -$%&i'$+ &'SSI $&"!"$"-.

R*" 0&i$*- $2- & ?'$ $+ R*i'$ v- 3i&/ SSI$&"!"$"-.

N+ &' -$-i&i@ $2 0$*"- $+ "'"i$& &/0 "*"+i$*3'"2i$* '# &/ SSI -%&'".

Si0!i6%&i'$ '# !"'%+" #'"0i&i- $2- #'" SSI$&"!"$"-.


8/24

GOIPORIA COMMITTEE


9/24

RECOMMENDATION

C'00$%0$& '# 0!'- 3'"2i$* /'"-.

C-&'0" $&"i$* #'" %'-" 0-& $&"&i$+.

S& & &/ %'$&"- -/'+ $+"&2 &/ #''3i$* &"$-%&i'$- +"i$*

&/ 8&$++ /'" 7

A Non-.oucher genera#"ng #ransac#"ons/-

1) I-- '# !-- ''2-&&0$& '# %%'$&-.

) I-- '# %/4- ''2.

) Div" '# &"0 +!'-i& "%i!&-+"#&.

) A%%!&$% '# -/" !!i%&i'$ #'"0

>) A%%!&$% '# %"i$* %/4- i- #'" %'%&i'$


10/24

RECOMMENDATION

b .oucher genera#"ng #ransac#"on /-

1) I-- '# &"0 +!'-i& "%i!&- (TDR)

) A%%!&$% '# %/4- #'" '%2" "$& +

) I-- '# &"v" %/4-.

) I-- '# *i#& %/4-.

>) A%%!&$% '# i$+ivi+ %/4- #'" &"$-#"%"+i&.


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RECOMMENDATION

N' %'$&" "0i$- $&&$++ $+ $i$&""!&+ -"vi% i- "$+"+ &'&/ %-&'0"-.

5E$4i"5 '" M I /! '

N'0i$&i'$ -/'+ ".

C'""%& L*i !+& '# !--''2.

I$-&$& %"+i& '# '&-&&i'$ %/4- 0 "i-+ &' R-. >,::: (#"'0 R-.

,>::). Di-/'$'"+ i$-&"0$&- 0 "&"$++i-!&%/+ &' &/ %-&'0"

3i&/i$ /'"-.


12/24

RECOMMENDATION

P"'vi+i$* +4& -!%, !"'!" #"$i&", +"i$2i$* 3&" #%ii&i-, &%.

Ti0 $'"0- #'" -!%ii-+ -i$-- &"$-%&i'$- -/'+ +i-!+!"+'0i$$& i$ &/ $2i$* /.


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TAN0ONCOMMITEE


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TANDON COMMITTEE ON FOLLOW-UP OF

BANK CREDIT

Till mid-1970 the principle of commercial bank lending

in India was predominantly security oriented.

Maor !anks were nationali"ed in 19#9

In 197$% a study group under the chairmanship of

&.'.Tandon was formed.

The group submitted its report in (ugust 197). It is applicable to borrowers a*ailing fund based working

capital limits of +s. 10 lac or more


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TANDON COMMITTEES RECOMMENDATIONS

,or corporates

(ccumulation of too much of stocks

In*entory and recei*able norms.

First Method of Lendin

Se!ond Method of Lendin

Third Method of Lendin


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NARASIMHAM COMMITTEE


17/24

Hi-&'"

N"-i0$ %'00i&& I

N"-i0$ %'00i&& II

T/ !"!'- '# &/ N"-i0/07I C'00i&& 3- &' -&+ -!%&-"&i$* &' &/ -&"%&", '"*$i-&i'$, #$%&i'$- $+ !"'%+"- '# &/6$$%i


18/24

T/ N"-i0/07II C'00i&& 3- &-2+ 3i&/ &/ !"'*"--"vi3 '# &/ i0!0$&&i'$ '# &/ $2i$* "#'"0- -i$%199

I& #'%--+ '$ i--- i2 -i@ '# $2- $+ %!i& +4%"&i' 0'$* '&/" &/i$*-.


19/24

A1TONOM, IN BANKING

G"&" &'$'0 3- !"'!'-+ #'" &/ !i% -%&'" $2-

T/ %'00i&& "%'00$++ GOI 4i& i$ $&i'$i@+ $2- "+%+ &' J #'" i$%"-+ &'$'0.

A- -%/ &/ %'00i&& "%'00$++ "vi3 '# #$%&i'$- '# $2-'"+-


20/24

REFORM IN T2E RO3E OF RBI

T/ C'00i&& !"'!'-+ -*"*&i'$ '# &/ "'- '# RBI -

regulator'# $2- $+ owner'# $2

T/ RBI +%i++ &' &"$-#" i&- "-!%&iv -/"/'+i$*- '# !i% $2-i2 S&& B$2 '# I$+i (SBI), N&i'$ H'-i$* B$2 (NHB) $+ N&i'$B$2 #'" A*"i%&" $+ R" Dv'!0$& (NABARD) &' GOI.


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STRONGER BANKING S,STEM

M"*" '# "* I$+i$ $2- &' 02 &/0 -&"'$* $'*/ #'" -!!'"&i$*i$&"$&i'$ &"+.

U- '# 0"*"- &' i+ &/ -i@ $+ -&"$*&/ '# '!"&i'$- #'" %/ $2

T/" 3" -&"i$* '# 0"*"- i$ $2- '# I$+i +"i$* &/ & 9:- $+" :::-


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NON-4ERFORMING ASSETS

N'$7!"#'"0i$* --&- /+ $ &/ -i$* "*-& %- '# i""i&&i'$ '#&/ $2i$* -%&'" '# I$+i

N+ #'" 5@"'5 $'$7!"#'"0i$* --&- #'" I$+i$ $2- 3i&/I$&"$&i'$ !"-$%

%"&i'$ '# A--& R%'$-&"%&i'$ F$+- '" A--& R%'$-&"%&i'$ C'0!$i-&' &2 'v" &/ + +&- '# $2-


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ENTR, OF FOREIGN BANKS

T/ #'"i*$ $2- -2i$* &' -& ! -i$-- i$ I$+i -/'+/v 0i$i00 -&"&7! %!i& '# > 0ii'$

F'"i*$ $2- %$ '3+ &' -& ! --i+i"i-


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THANK YOU

Reforms Final

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