mumbai ประเทศ: นี่คือโพสต์ที่เกี่ยวข้องกับหัวข้อนี้
The capital structure of the Bank comprises of interest free funds provided by its Head Office in the form of Tier 1 capital and supplemented by Statutory Reserves created out of profits from operations in India. Reserves and General Provisions not assigned to loss or diminution in value of any specific asset form the Tier 2 capital of the Bank.
Composition of capital
Tier 1 Capital
Start-Up Capital-Interest free funds remitted from H.O.
Deduction on account of Intangible Assets-Deferred Tax Assets
Less: Deposit with overseas branch
Total Tier1 Capital
Total eligible Tier2 Capital
Total Eligible Capital
Qualitative Disclosures: The Banks’ policy is to maintain a strong capital base so as to maintain confidence of depositors and the market and to sustain and augment the current activities and future growth plan of the Bank. The Bank maintains CRAR and Core CRAR well above the regulatory requirement on an ongoing basis and is commensurate with the Banks’ overall risk profile. The Bank’s capital management framework includes a comprehensive internal capital adequacy assessment process (ICAAP) conducted annually which determines the adequate level of capitalisation for the Bank to meet regulatory norms and current and future business needs, including under stress scenarios. The ICAAP encompasses capital planning, identification and measurement of material risks and the relationship between risk and capital. The Bank has developed and documented a suitable Internal Capital Adequacy Assessment Process (ICAAP).
(a) Capital requirement for Credit Risk:
- Portfolios subject to standardized approach
- Securitization exposures
(b) Capital requirement for Market Risk:
- Standardized Duration Approach;
- Interest Rate Risk
- Foreign Exchange Risk
- Equity Risk
(c) Capital requirement for Operational Risk:
- Basic Indicator Approach
(d) Common Equity Tier-1 Capital ratio %
- Tier 1 Capital ratio %
- Tier 2 Capital ratio %
- Total Capital ratio (CRAR) %
Risk Exposure and Assessment
- Credit Risk
- Market Risk
- Operational Risk
- Liquidity Risk
- Interest Rate Risk in the Banking Book
General qualitative disclosure for each risk area (identified as under), risk management objectives and policies, processes and techniques used by the Bank to identify, measure, monitor and control the following risks as material to its nature of operations:
Credit Risk: General Disclosures (including equities):
Credit Risk is defined as the risk of financial loss arising when the Banks’ borrowers or counter-parties fail to meet their obligations in accordance with the agreed terms. The goal of credit risk management is to maximize the Banks’ risk adjusted rate of return by maintaining credit-risk exposures within acceptable parameters.
The Bank does not have retail loans segment. There are no Term Loans. The Bank has Cash Credit Advances and Bills Discounting in its funded exposures and issues/confirms Letters of Credit and also Guarantees in its’ non-funded exposure.
The Bank has a Credit Committee to independently assess the credit proposal in context with the risk rating guidelines set by the Head Office. All credit limits are approved by H.O after thorough assessment of the risk profile of the borrower or counter-party. The Banks’ Credit Committee ensures credit facilities are released after proper approval and against proper documentation. It also monitors concentration risk by setting up limits for maximum exposure to individual borrower, bank/industry.
The Head Office has well defined policies and procedures for identifying, measuring and monitoring quality and composition of credit and for controlling credit risk in all its activities. The Bank has adopted the definition of “past due” and “impaired” as defined by RBI for income recognition and asset classification. The Bank has risk-based internal audit and monthly concurrent branch audit.
Total Gross Credit Exposures without taking into account the effect of Credit Risk Mitigation techniques:
Total fund based credit risk exposure
Total non-fund based credit risk exposure
Industry-Type distribution of exposures:
Iron and Steel
Residual contractual maturity breakdown of assets:
Cash & Balances with RBI
Inter Bank Assets
Fixed & Other Assets
Credit Risk: Portfolios subject to Standardised Approach
The Bank is using Credit Risk Assessment of ICRA, CRISIL, FITCH and CARE for the purpose of arriving at risk weightage wherever available.
As at March 31, 2020 the Bank does not have rated claims of any borrower counter-party.
Below 100% risk weight
100% risk weight
More than 100% risk weight
Credit Risk Mitigation: Standardised Approaches
It is the policy of the Bank to obtain collaterals for credits, unless the business case warrants clean lending. The Bank has a policy for valuation of immovable properties taken as collaterals which envisage assessment of market value by approved valuer and periodic revaluation. Cash deposits / cash equivalent are taken at face value. The Bank uses various collaterals both financial as well as non-financial as credit risk mitigants. All deeds of ownership / titles related to collateral are held in physical custody under the control of authorised executives. Cash security is however recognised only as a fallback option and repayment of facilities are primarily sought from the cash flow of the borrower’s business. However, collateral may be an important mitigant of risk.
Description of the main types of recognised collaterals: Fixed deposit receipts and cash margin. Other collaterals: Equitable mortgage of immovable properties, charge over stock and debtors.
Main type of guarantor counterparty and their creditworthiness: Main types of guarantors include corporate, parent companies, partners and directors. Net worth is calculated based on financial statements / tax returns.
Information about (market or credit) risk concentrations within the mitigation taken: The Bank reduces its credit exposure to counterparty with the value of eligible financial collateral to take account of the risk mitigating effect of the collateral.
For disclosed credit risk portfolio under the standardised approach, the total exposure that is covered by the total value of eligible financial collateral, for credit portfolio is ` 10 lakhs.
Securitization: Disclosure for Standardised Approach
Qualitative Disclosure and Quantitative Disclosure:
Not applicable as the Bank has not entered into any securitization activity.
Market Risk in Trading Book:
Market risk arises from changes in equity value that came as a result of changes in market factors such as volatility of interest rates, foreign exchange rate and securities prices and consequently affect income and capital fund of the Bank.
The Bank has an ALM and Investment Policy for conducting investment and foreign exchange business. It is the Banks’ policy to trade in securities and foreign exchange only to maintain SLR and other statutory requirement and for hedging merchant transactions respectively. The Bank does not take exposure to equity, commodity and capital market.
The Bank is following the modified duration for calculating market risk on securities held under AFS category and capital charge for market risk in foreign exchange is calculated at 9% on the open position limit of the Bank.
The Head Office has adopted Value at Risk (VaR) to assess market risk. VaR refers to the maximum value of losses upon changes of market risk factors at confidence level of 99 percent during one-day position. The Bank also conducts Liquidity and Interest Gap Analysis, NII Simulation, Volatility and Stress Tests.
The capital requirement for market risk is as under:
Interest Rate Risk
Foreign Exchange Risk
Operational risk includes risk arising from inadequacy or deficiency of internal work process, human resources, work system or external incidents including legal risk. The Bank tries to provide its staff members at all levels with the knowledge and right understanding about operational risk so they will realize the significance and their participation in operational risk management.
The Bank has defined operation procedures for each of its product and services. It has a policy document on Know Your Customer (KYC), Anti-Money Laundering Procedures, Business Continuity Plan and Disaster Recovery Plan. The Bank has risk-based internal audit and concurrent audit systems which facilitate identifying and rectifying operational deficiencies.
Capital charge for operational risk is computed as per the basic indicator approach. The average of the gross income as defined in the new capital adequacy framework guidelines, for the previous three years is considered for computing the capital charge.
Interest Rate Risk in Banking Book (IRRBB)
Interest rate risk in banking book arises due to potential impact of movement in interest rates on the future net interest income. This is due to mismatch in maturity profiles of interest rate sensitive assets and liabilities.
The impact on the Banks’ net interest income due to the movement in the interest rate is monitored on a regular basis. The impact on NII is calculated on the basis of GAP in assets and liabilities maturity profiles. In case of upward movement of interest rates by 100 basis points way may result in increase in interest income by Rs. 12.64 million. Similarly in case of decrease in interest rates by 100 basis points may reduce interest income by Rs. 10.94 million.
HELL was Close❗ Extreme Cyclonic Storm Tauktae rips apart Mumbai, India
NDNews: Natural Disasters News every day. Disaster May 17. Live news live about bad weather and climate change. Earth’s pain will cleanse the Planet from the humanity. In the world in a day about severe nature. Catastrophes are here and now. Global warming is not far off.
Hell was close! Extreme cyclonic storm Tauktae rips apart Mumbai, India.
Cyclone Tauktae has intensified into a \”very severe cyclonic storm\” and is approaching the Gujarat coast, the India Meteorological Department (IMD) said on Sunday. \”It is very likely to move northnorthwestwards and reach Gujarat coast in the evening hours of 17th (May) and cross Gujarat coast between Porbandar and Mahuva (Bhavnagar district) around 18th May early morning,\” the IMD said. The IMD has also issued a yellow alert for the coasts of Gujarat and Diu and Daman. According to the Cyclone Warning Division of the IMD, by May 18, the wind speed is expected to increase to 150160 kilometres per hour, gusting up to 175 kmph.
The IMD said wind speed reaching 7080 kmph gusting to 90 kmph is likely along and off south MaharashtraGoa and adjoining Karnataka coasts, and 4050 kmph gusting to 60 kmph along and off the north Maharashtra coast on May 16. It is likely to increase to 6575 kmph, gusting to 85 kmph along and off the north Maharashtra coast from May 17 till the morning of May 18.
Squally wind speed reaching 4050 kmph gusting to 60 kmph is likely over the northeast Arabian Sea and along and off south Gujarat and Daman and Diu coasts from morning May 16.
It will gradually increase, becoming gale with speed reaching 150160 kmph gusting to 175 kmph over the northeast Arabian Sea and along and off Gujarat coast (Porbandar, Junagarh, Gir Somnath, Amreli) and 120150 kmph gusting to 165 kmph over Devbhoomi Dwarka, Jamnagar, Bhavnagar districts of Gujarat from the early hours of May 18.
Winds with speed reaching 7080 kmph gusting to 90 kmph are likely to prevail along and off Dadra, Nagar Haveli, Daman, Valsad, Navsari, Surat, Bharuch, southern parts of Ahmedabad and Anand districts from the midnight of May 17 and till the morning of May 18.
A nearly 3metrehigh tidal wave is expected in Junagarh, 12.5 metres above astronomical tide is likely to inundate coastal areas of Diu, Gir Somnath, Amreli, Bharuch, Bhavnagar, Ahmedabad, Anand, Surat and about 0.51 metres over Devbhoomi Dwarka, Jamnagar, Porbandar, Kutch and the remaining coastal districts of Gujarat during the time of landfall, the IMD said.
According to the weather department, in Gujarat’s Bhavnagar district, total destruction of thatched houses, extensive damage to kutcha houses and some damage to pucca houses is expected. There could be a potential threat from flying objects with bending or uprooting of power and communication poles. Major damage to kutcha and pucca roads, flooding of escape routes, minor disruption of railways, overhead power lines and signalling systems is expected, the IMD said
The channel lists such natural disasters as:
1) Geological emergencies: Earthquake, volcanic eruption, mudflow, landslide, landfall, avalanche;
2) Hydrological emergencies: Flood, Tsunami, Limnological catastrophe, floods, flooding;
3) Fires: Forest fire, Peat fire, Glass Fire, Wildfire;
4) Meteorological emergencies: Tornado, Cyclone, Blizzard, Hail, Drought, Hail, Hurricane, Storm, Thunderstorm, typhoon, Tempest, Lightning.
Playlist by region, ASIA:
Playlist by disaster type, METEOROLOGICAL:
Climate change has already begun. Humanity will destroy Mother Nature. Extreme weather caught on camera.
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ATTENTION: Video material is taken from social networks. It is selected by date of publication, title, description and location of the event. Sometimes, due to unscrupulous posting of news on social networks, the video may contain fragments that do not correspond to the date and place. It is not always possible to check their reliability. Thank you for your understanding.
weather news earthquake tsunami ndn rain mumbai tauktae india gujarat mangalore cyclone storm
นอกจากการดูบทความนี้แล้ว คุณยังสามารถดูข้อมูลที่เป็นประโยชน์อื่นๆ อีกมากมายที่เราให้ไว้ที่นี่: ดูเพิ่มเติม
หนังพาไป ซีซัน 3 | EP.1 | มุมไบ ก้าวแรกบนแผ่นดินศักดิ์สิทธิ์
อินเดีย ดินแดนที่เป็นต้นกำเนิดของหลากหลายศาสนา หลากหลายความเชื่อ รวมทั้งนักคิด นักเขียนที่มีอิทธิพลต่อโลก และต่อประเทศไทย ส่วนใหญ่ต่างเคยผ่านทริปการเดินทางในอนุทวีปอินเดียนี้กันมาแล้วทั้งนั้น
รายการ \”หนังพาไป…\” ขอเชิญผู้ชมทุกท่าน แพ็กกระเป๋า ผูกเชือกรองเท้าแน่นๆ แล้วเริ่มต้นออกเดินทางไปด้วยกันใหม่อีกครั้งกับ 2 หนุ่มนักเดินทาง บอล และ ยอด กับการเดินทางที่ถือเป็นครั้งแรกบนแผ่นดินศักดิ์สิทธิ์ ประเทศอินเดีย ทั้งสองคนนี้จะมีมุมมองต่อ ดินแดนที่ได้ชื่อว่า แผ่นดินศักดิ์สิทธิ์นี้อย่างไร อย่าลืมติดตามชม
ติดตามชมได้ในรายกายหนังพาไป ในวันอาทิตย์ที่ 12 ตุลาคม 2557
เวลา 22.05 22.30 น. ทางไทยพีบีเอส หรือรับชมย้อนหลังได้ทาง http://www.thaipbs.or.th/Moviepapai
หนังพาไป หนังพาไปซีซัน4 มุมไบ
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STREET FOOD Ấn Độ – Toàn món ăn dành cho SUPERMAN – Khoa Pug tái mặt – Food Tour India 2020
STREET FOOD Ấn Độ Toàn món ăn dành cho SUPERMAN Khoa Pug tái mặt Food Tour India 2020
Tiếp tục hành trình Food Tour 2020 tại thủ đô New Delhi Ấn Độ nào các bạn 😀
Hôm nay mình tiến sâu vào trung tâm street food nằm trong lòng Old Delhi và so sánh giữa người giàu và nghèo tại Ấn Độ cho các bạn có cái nhìn cụ thể.
Để dễ hình dung thì New Delhi là thủ đô của Ấn Độ, tại đây nó có khu phố cổ gọi là Old Delhi, là khu chợ lâu đời, phức tạp và đông đúc nhất ở đây.
Giống như Hà nội thì có 36 phố phường, gọi là phố cổ thì nó gọi là Old Delhi để phân biệt với New Delhi 😀
Vì là phố cổ nên có khá nhiều khách du lịch đến đây, tầng lớp Dalit tại đây là đông nhất, họ sinh sống mưu sinh bằng nhiều nghề như kéo xe, đạp xe chở khách du lịch, bán hàng rong, cạo mặt, cắt tóc….xin ăn hoặc nằm chờ chết khá nhiều.
Với các món street food chỉ có giá tầm 10 rup đến 50 rup (3k đến 10k) nên chất lượng thì khỏi bàn, như trong video các bạn cũng thấy 😀
Ẩm thực ấn độ thì khá là phong phú, ko phải có mỗi cà ri không đâu, chủ yếu mấy ông bụng có khỏe để ăn hay ko thôi haha
Vì mức thu nhập của người Dalit tại đây tầm 1 triệu/tháng, nên món ăn có giá 3k đến 10k VND thôi, còn ngược lại với giới thượng lưu Ấn độ, họ tiêu 1 bữa ăn hết 10000 rup (3tr) đến 15000 rup (5tr) = 3 đến 4 tháng lương người Dalit là bình thường.
Tại sao mình biết rõ nhễ 😀 Vì sáng mình ở khu ổ chuột, tối mình về lại khu nhà giàu mà 😛
À cuối cùng cho chữi 1 câu: bà mẹ cứ lo cắm mặt sợ đạp cứt dưới đất thì bị chim nó ỉa lên đầu =,=
Đăng kí kênh và bật thông báo để đón xem video mới nhất nha 😛
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People Are Very Hungry | Everyone Is Eating at Midday Kolkata | Street Food Loves You
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People Are Very Hungry | Everyone Is Eating at Midday Kolkata | Street Food Loves You
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[ แดนเนรมิต EP8 ] – ใครว่าไปอินเดียแล้วลำบาก
ผมจะพามาเข้าเมืองมุมไบ (Mumbai) หรืออีกชื่อคือ บอมเบย์ (Bombay) เมืองที่มีชื่อเสียงไปทั่วโลก อยู่ในภาพยนตร์ดังๆหลายเรื่อง มาดูอีกมุมกันนะครับ ว่าเมืองนี้มีอะไรที่น่าสนใจ รวมถึงการรีวิว อาหารอินเดียกันต่อในทุกๆมื้อ ไปจนถึงการรีวิว Lounge ของสายการบิน ว่าจะเด็ดแค่ไหน สู้ Lounge การบินไทยเราที่นี่ได้มั้ย ต้องดูกันครับ
Business Class ✈
TG 318 Mumbai BKK
Mumbai แดนนี่เบล็สซิ่ง แดนเนรมิต
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นอกจากการดูบทความนี้แล้ว คุณยังสามารถดูข้อมูลที่เป็นประโยชน์อื่นๆ อีกมากมายที่เราให้ไว้ที่นี่: ดูวิธีอื่นๆWiki
ขอบคุณมากสำหรับการดูหัวข้อโพสต์ mumbai ประเทศ