Free notes, textbooks, and exam-focused resources designed for Indian banking professionals.
Risk-Based Supervision (RBS) in India represents a shift from checklist-style inspections to a forward-looking, risk‑centred, and proportionate supervisory regime that prioritizes the most material risks to safety, soundness, and systemic…
Basel III strengthens bank resilience through complementary safeguards: risk-based capital with usable buffers, a simple non‑risk‑based leverage backstop, and liquidity standards that protect short‑term and structural funding positions across cycles…
Market discipline under Pillar 3 complements minimum capital (Pillar 1) and supervisory review (Pillar 2) by enabling informed market scrutiny through clear, consistent, and comparable disclosures that incentivize prudent risk‑taking…
Stress testing within ICAAP is a forward‑looking, governance‑anchored discipline that evaluates a bank’s resilience under adverse yet plausible conditions and informs capital planning, risk appetite, and early corrective actions aligned…
The Supervisory Review Process (SREP) and the Internal Capital Adequacy Assessment Process (ICAAP) together ensure that banks maintain capital commensurate with their risk profile and operate above minimums using forward‑looking,…
Operational risk capital ensures that banks can absorb losses arising from process failures, people, systems, or external events, with Basel’s current framework centering on a standardized, data-driven approach anchored in…
Regulatory capital ensures banks can absorb losses while continuing to serve the economy, evolving from simple balance‑sheet residuals to risk‑sensitive frameworks under Basel III that cover credit, counterparty, market, and…
The Global Financial Crisis (GFC) exposed critical gaps in bank capital, liquidity, risk management, and oversight; Basel III was the international regulatory response to harden bank balance sheets, curb procyclicality,…
Global banking regulation evolved to safeguard financial stability across borders, harmonize prudential norms, and prevent regulatory arbitrage. The Basel Committee on Banking Supervision (BCBS) has led this evolution through milestones…
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