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• W1500763110 abstract "The role of RBI has undergone through a rigorous change over the period of time. Earlier, it was a common perception that the roles of the commercial banks are credit creation in the economy. The commercial banks were used as conduit by which savings of household and corporate got channelized into productive investment which was meant to facilitate growth of the nation. On the other hand, major task of RBI is to control the credit depending on the economic environment of the national as well as international level. If inflation rate is quite high and it is reducing the purchasing power of the common mass, RBI raises the different key rates such as Cash Reserve Ratio, Statutory Liquidity Ratio, REPO and Reverse REPO which curb the credit creating capacity of the banks and reduces the money circulation in the economy. Similarly, if the economy is facing a liquidity crunch situation, RBI reduces gradually all the key rates as a policy matter to enhance the liquidity in the economy. The bank has to simultaneously ensure three functions - liquidity, profitability as well as the safety of the fund collected from the depositors. The unique characteristics of the banking sector which distinguishes it from manufacturing as well as trading organizations is that in the later cases raw materials are purchased or produced and finished product is offered to the end customer but the bank is purchasing money from the lenders and it is also selling the money to the corporate borrower. When the banks are accepting deposit from the corporate and the household, banks have to pay certain interest on the deposit and when it is lending the fund to the borrower, the banks are entitled to receive the interest .The lending rate of the bank is quite high with respect to its borrowing rate, the differential of which is known as Net Interest Margin. The banks are required to create certain assets by providing the loan and advances. If they are unable to realize the assets, banks are unable to meet their liability such as interest payment on deposit. Therefore, business of the banking sector itself contains risk. Thus banks have to maintain certain amount of capital as a safety cushion. As a consequence, risk management is a major area of concern for banks. Another distinguishable feature of the bank is that if any company goes for bankruptcy, it creates a knee jerking effect to its shareholders, suppliers, creditors, employees as well as the customers but once a bank is suffering from solvency risk, it adversely affects shareholders, suppliers, creditors, employees as well as multiple depositors of the bank who have deposited their hard earned money in the bank with utmost good faith that they will receive certain amount of assured returns depending on the nature of deposits. One of the major threats that the Indian banking sector is facing is the accumulation of the Non Performing Assets due to the faulty credit appraisal mechanism followed by the banks. It is being noticed in the contemporary Central Banking practices globally that the financial supervision architecture is in a state of flux. In the recent past the global banking practices have faced a number of jugglery and malpractices such as window dressing, over and undervaluation of mortgage and collateral, overpricing the default risk and under pricing the credit risk. In the year 1998, a group of 10 countries met in Basel, Switzerland and the Basel Committee of Banking Supervision under the auspices of Bank of International settlement was established. The objective was to create uniform risk management policy across the globe. The primary focus of Basel I was to control the credit risk of the bank. Basel II norms came afterwards and Basel II incorporates operation risk as well as market risk apart from the credit risk. Basel III is a recently developed area of the banking sector where major impetus was provided towards the liquidity risk. The Macro Economic Assessment group was established in February, 2010 by the chairs of the financial stability board and Basel Committee on Banking Supervision to coordinate an assessment of macroeconomic implications. To protect the depositors’ interest, the central bank of every nation has to maintain a close supervision to all the participants of money market to ensure that they are conforming to the international benchmark. To protect the shareholders interest, corporate governance mechanism of the bank is expected to be quite sound which are closely watched by the apex body of the capital market of each nation. The banking sector is a unique sector where two regulatory apex bodies are discharging the role of the watchdog so that irregularities and scam cannot take place and maximum justice can be provided to the all stakeholders of the bank. The objective of the research paper is to identify the changing role of RBI, interpret the changes which have taken place with the implementation of Basel norms, analyze the role of the central banks as controller of the liquidity of the nation, demonstrate the challenges of measuring, mitigating and managing of different type of risks, develop the strategies to combat against Non Performing assets and critically analyze the corporate governance framework of the banks. The methodology used for preparing this research paper is based on the statutory and non statutory disclosure provided by the banks in the public domain in the form of their quarterly, half early and annual reports. The authenticity of the disclosure made by the bank is more or less beyond any doubt or question as it has to conform to the norms stipulated by different regulatory apex bodies simultaneously such as SEBI clause 49, the Companies Act 1956, the Banking act 1949 as well as International Basel regulations. The proposed research paper will incorporate the secondary information available on Risk management in banking, scope and direction of the successive Basel norms and corporate governance practice followed by Indian banks. This paper will focus a paradigm shift in the role of RBI. It will provide a new dimension in the literature of corporate governance, risk management in banking and ethical obligations of the banks as well as successful implantation of International Basel Norms on capital adequacy framework by issuance of relevant norms and guidelines." @default.
• W1500763110 created "2016-06-24" @default.
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• W1500763110 date "2013-05-17" @default.
• W1500763110 modified "2023-09-23" @default.
• W1500763110 title "The Changing Role of RBI in Bank Supervision with the Introduction of Risk Based Parameters" @default.
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