mcJj, 24 pvJj 2005
 
vij mnkj yBkbm jPJn& yBkv lj ku `Jnpv [@kwcW' : omlSJpl vck Dn lj k?

jPJn& yBk ciu mncn hlOjCcO iJnv&j J. Jn. j bv vij mnkj yBkbm Vision Document lj kjCyyl I<C ku nl. lvmj lp%b mclv lj kuu DnJu vkl cnCp 31 [mWyj 2004 jp jPJn& yBkm moj kjCl Du. DnJu箳 DbcuypJCcU mnkj yBkbv oum cUCj J lbJju onj vb$C j nCj Flo mJh箳 ylc T uiu. l mboY&l vck DnJul k Dn Gnhn mll uKl ku Dn.
oM箳 Skboj D|Lk J mcpk Jkml vij mnkj yBkbv Dphl hj h[uu Yck mJ&$ klk Pu Dn. mv 1991 cO yBkb Dmuu 1307 mbK mv 2004 cO 2105 Jj iu Dn. JRcO Puu 1100 kwk J{n JcǮ cnCJ uiu. mv 1991 cO Dmuu 8600 kR J, Dl Sk uK k hbJj iu Dnl. kpcOu J{ n 7800 kRJv 65000 kRJj cnCp 733 kwk Flkw J{Jj iu Dn.
hjbl iu 15 J<&l Dlbl u#Cdz il kjCN #$m mO kU D[CǮ J uiu Dn. #$l I[uu kn IvbcU pvl Jm [UcUC Mkwl vc&C Pu Dn. DM hjmLll #$m mJjCm jPJn& yBkv D|Lk MmlǮ y[iKu Dvk yBkbJj ob[lck kjJF&hmv hjJv j kjChl kjJF& ku Dn. mJ& iRcU #$l Skbojl iWOU J IyjǮ JlJjC vc&C nT uiu J vb$k箳 Yckl k&jl Dmuu jPJn& yBk cU GMyu Mbk Ilu pT uiu. h&YcJj Lc yBkbm jPJn& yBkv mJlb$hC kn lj kjJ Dm jJu J llv n DnJu lj Pu. n DnJu mnkj yBkRi #$m ljCj k vn yyl & nl jnu. hjbl DM kj hTu Lc Guuyu mJ& Lc jPJn& yBk J lln c. iJnv&j mnyb DYj #$v cvu hnpl. DnJuJj Y< kjCSJp mJ&Lc DnJul vck k Dn n mJv pCv IC cnJ Dn J DnJumbybO Dhu mJs J mh cl L DLJ Dhu punmbIv DLJ jpmljdz mbIvbcH&l jPJn& yBkhl hnJC DJMk Dn. kjC DnJuJj mB[Ri D@[JPj kcl & nTv, DJMk l mOjCbmn l c&cO ui ku pC Mkwl vklǮ jPJn& yBkcO Dy&v yBkb JYi mbYUCj [h iJnv&j uuOj bv o 18 pvJj jp hCcO Jl&Ju Dn. cU p #$m n ku pl Dn, l #$lu yBkb DnJuJj cl jPJn& yBkm mcpC Dlbl DJMk Dmuv mll箳 uKl DnJulu cnJ箳 i L[kwl cb[C lv c ku Dn.
mboY&l jPJn& yBk ciu mncn hlhjJ OjCl iJnv&jmnybv mlJ kuvblj o 8 [mWyj 2004 jp jPJn& yBk Dy&v yBkRi JYi cK cnybOk . k. Dj Dvbo b DO#lKu 7 pCb mclǮ mLhv kjCl Du. cO cnj^ kv&k b mnkj Dbyjyj cnj^ J ipjL Lu mnkj yBkb DO#, v@Hk@k k&kj DOkj . [. k=<C b mcJM nl. jPJn& yBk cKybOk . JvLv mclǮ mƮJ nl. 22 J 23 [mWyj jp mclǮ yk Pu J 28 [mWyj jp lj Puu DnJum 29 [mWyj jp mJ& mcl momb cvl ITv 31 [mWyj jp n DnJu jPJn& yBk k&kj mbukbv moj kjCl Du. ljKb lhMu oCci kl Jiv DnJu lj kjCl Du n oM&JC nl Dn.
n DnJu lj kjlv #$lu mJ& yBkbv D|Lk MmlǮ Sk vk< v uJl lb Dkjcvvmj JiJiU vk< uJC OjC vƽl Puv vij mnkj yBkb Skboj j Ji&cO JiakjC mJCl Du Dn. l h{u cC
Ji& 1 (Tier I)- 1) 50 khl J DmCN hjbl Sk MK Unit Banks Dmuu yBk.
2) 50 khl J DmCN J Sk h# pml hjbl Sk pul MK DmCN yBk.
Ji& 2 Tier II 1) 50 kRJj J DmCN hjbl Sk MK Dmuu yBk.
2) 50 l 200 kR c&ol J Dmuu J Skh# pml hjbl Sk pul MK Dmuu yBk.
Ji& 3Tier III 1) Sk pul MK Dmuu J 200 kǮ Jj J DmCN yBk.
2) Skh# pml pul MK Dmuu mJ& yBk.
Ji& 4 Tier IV 1) mJ& M[u[ k - D@h. yBk
2) mJ& Dbljjpdz yBk
Jju j kj jv cU h n yBkbcOu colJ n Dmv, JRcOu J{vmj yBkb Ji& youl pF&u. Skh# pml MK Dmuu yBkbv JJmƳk Ok pml Dmuv lb mcJM Jj Ji&l ku Dn.
yBkbv D|Lk MmlǮ vk< Regulatory Norms) uJlv unv yBkb yyll n vc MLu ku Dmv c yBkbv n vk< J{Jl vTv Ji& 4 (Tier IV) cOu yBkbv c$ kCln mJul v ol kc|MDu yBkbcC mJ& vk< ui ku Dnl. jn Ji&lu yBkbm h{u cC vk< ui kjCl Du Dnl.
1) Dvlhok kp& vk< (N. P. A. Norms)
D) my-mB[[&
Ji& 9 Tier I 1) 25 uKbhl箳 kpm 180 oJm.
2) 25 uKbh# pml jkc kpm 90 oJm.
y) mbMƳl (Doubful)
1) 25 uKbhl箳 kpm 18 cnv.
2) 25 uKbh# pml jkc kp&m...... 12 cnv.
Ji& 2 Tier II 1) D) my mB[[&
1) 15 uKbhl箳 kpm 180 oJm.
2) 15 uKbh# pml jkc kp&m 90 oJm.
y) mbMƳl (Doubful)
1) mJ& kj kpm 12 cnv.
Ji& 3 Tier III D) my mB[[&
1) 10 uKhl箳 kp&m 180 oJm.
2) 10 uKb Jju kpm 90 oJm.
y) mbMƳl (Doubful)
mJ& kj kpm 12 cnv.
2) ljloR vk< (Provisioning Norms)
D) mB[[& D@mdm - lvn Ji&m m kCln ljlo kjJ uiCj vn. mO 0.25 Flk ljlo H Ji& 4 cOu yBkbv kjJ uiu.
y) my - mB[[& - lvn Ji&m Lkl jkc 10 kwk.
k) mbMƳl - lvn Ji&m JvljC jkc 100 kwk DOk ljC jkc 20 kwk 1 J<&hl, 30 kwk 1 l 3 J<m J 50 kwk 3 J<祮 h{u kuJOm.
hnu ov Ji&m lv J<& h{u kpm ljC jkcJj mO ui Dmuu 100 kwk ljlo ui nCj vn c$ lmN Ji&m n ljlo ui nF&u.
[) y[l kp& - (Loss Assets)
mOcC 100 kwk ljlo mJ& Ji&lu yBkbv ui nF&u.
3) iblJCk -
Ji& 1 - mjkj kp&jKbcO iblJCk kjC kCln ybOv vn.
Ji& 2 - kcl kc 10 kwk hl jkwkc mjkj kp& jKbcO iblJC DJMk.
Ji& 3 1) 25 k NDTL Dmuu yBkbm 10 kwk hl kcl kc iblJCk.
2) 25 k h# pml NDTL Dmuu yBkbm 15 kwk kcl kc iblJCk DJMk.
lm Jvk ljulh# pml (Non-SLRR) Dmuu jkc mjkj kp&jKbcO iblJCk kjCm mO 10 kwk nǮ c&o kc JCl Du Dn.
4) Yb[Ju h&hll cC (Capital Adequacy Rotio)
Ji& 1 - Yb[Ju h&hll vk< ui vnl. hjbl Yb[Ju箳 15 h J IC c&o.
Ji& 2 - Yb[Ju h&hll cC 8 kwk
Ji& 3 - Yb[Ju h&hll cC 9 kwk.
5 kp&c&o
mJ& Ji&lu yBkbm Sk Jm kp& oC c&o n hJacC mJ-vOǮ 20 kwk jnu J hm c$ 40 kwk jnu (hJa c&o 50 kwk nl.)
6) kp&m ybo Dmuu #$
1) mJ& Ji&lu yBkbv ybOkc JJmƳkbv J MDj ykm&v kCln kj kp& mJul ol Cj vn.
2) Ij kp& kcu c&o 15 uK.
7) uKhj#C (Audit)
mJ& JC&m Concurrent Audit DvJ&, lm JOvk D@[n DvJ&.
8) Disclosure Norms H Ji& 1 cOu yBkbv ui vn.
9) lp% mbuk v
Ji& 1 - ui vn.
Ji& 2 - kJU 1 lp% mbuk.
Ji& 3 - 2 lp% mbuk.
DM kj oMlu mJ& Dy&v k - D@hjJn yBkb JiakjC kv lbv Jju cC vk< uJC mӮv DnJul kjCl Duu Dn.
DnJu箳 omN Yil vij mnkj yBkbJj mO Dmuu onj vb$Clv ci& k{Cm vij mnkj yBkb UJU Dmuu cK h jp J jPJn& yBk D@H Fb[ bcO mcbpmkjj kjC Gh mJCl Du Dmv kjjcO yBkb mbuk cb[U yjKml kjC, JOlk nMy lhmC F. cuYl yy jpb mnkj kl Dnl, l hC&hC v<c v kjl i JU i kjJF& kjl Cyyl ljlo DmJ J n kjJF& kjlv vl J cuYl DOkjb Ybi nCj vn, Dv JJnjbv lybO vmu J Jojb nlmbybO mj#l jnlu yyl mcbpm kjjl kUp ICl J Dm mJu Dn.
DnJucO DM yBkb mM mnkj yBkbcO JuvkjC h&n mJCl Du Dn. DnJucO DM hjbl m#c (Potential) yBkbv mM kjCm vOǮ hjJ kjCm mJlb$ D|Lk mbmLb v|clǮn ci& mJCl Du Dn.
DnJu箳 cmu mbcl olv mclǮ Sk mom J v@Hk@y mj . [. k=<C bv Dm vco ku k DnJucO pj Dy&v yBkb Dvk D[CR J Mvb Tnhn ku vmu lj l Mv mJlb$jl J uJkj m[JCl Jl. MvbcO lbv cKv-
1) mbukb kp&Jju ybo, 2) Jc JJmm hjJvi, 3) Dvlhok kp& JiakjC oj mncn DLJ J|<k hlv kjC.
4) mjkj kp&jKb iblJCkJju ImNm ci& MOC.
5) yijhjJv yBkbJju kjJF&m vJv vc ui nF&hl mLil oC - Flo Mvb GuuK ku Dn.
DM kj vij mnkj yBkbm lj kjCl Duu DnJuJj mnkj yBkRi #$lu mJ& mljlv cloM&v nC DJMk Dn. DnJuJj cl oM&v c h{u Dbkl kjv.
(cM!)
- JOj Dvmkj