Regulating Commercial Banking

RBI 2012-13/309 DBOD.No.BP.BC.63/21.04.048/2012-13 November 26, 2012 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Review of the Prudential Guidelines on Restructuring of Advances by Banks/Financial Institutions Please refer to the paragraph 90 to 92 (extract enclosed) of the Second Quarter Review of Monetary Policy 2012-13 announced on October 30, 2012, wherein it was proposed to enhance the provisioning requirements on restructured advances from the exis

RBI/2012-13/304 DBOD.BP.BC.No. 62/21.04.103/2012-13 November 21, 2012 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Second Quarter Review of Monetary Policy 2012-13 – Non-Performing Assets (NPAs) and Restructuring of Advances Please refer to paragraphs 93 and 94 of the Second Quarter Review of Monetary Policy 2012-13 (extract enclosed) announced on October 30, 2012 on ‘Non-Performing Assets (NPAs) and Restructuring of Advances’. 2. In terms of our circular

RBI/2012-13/302 DBOD.BP.BC.No.61/21.04.103/2012-13 November 21, 2012 All Scheduled Commercial Banks (excluding RRBs) Dear Sir, Second Quarter Review of Monetary Policy 2012-13 – Unhedged Foreign Currency Exposure of Corporates Please refer to paragraphs 95 and 96 of the Second Quarter Review of Monetary Policy 2012-13 (extract enclosed) announced on October 30, 2012 on ‘Monitoring of Unhedged Foreign Currency Exposure’. 2. In terms of our circular No. DBOD.BP.BC.37/21

RBI/2012-13/297 DBOD.BP.BC.No. 58/08.12.014/2012-13 November 20, 2012 All Scheduled Commercial Banks (excluding RRBs) and Select All India Financial Institutions (AIFIs) (NHB, NABARD, EXIM Bank and SIDBI). Dear Sir, Second Quarter Review of Monetary Policy 2012-13 – Definition of 'Infrastructure Lending' Please refer to our circular DBOD.No.BP.BC.52/21.04.048/2007-08 dated November 30, 2007 on ‘Financing of Infrastructure by the Banks and Financial Institutions - Defi

RBI/2012-13/299 DBOD.NO.BAPD.BC. 60/22.01.001/2012-13 November 20, 2012 Kartika 29, 1934 (Saka) All Domestic Scheduled Commercial Banks (excluding RRBs) Madam/Dear Sir, Branch Authorisation Policy- Opening of Administrative/ Controlling Offices in Tier 1 Centres Please refer to paragraphs 104-105 of the Second Quarter Review of Monetary Policy 2012-13 (extract enclosed), announced on October 30, 2012, wherein it has been proposed to permit domestic scheduled commercia

RBI/2012-13/300 DBOD No. BAPD.BC. 59/22.01.003/2012-13 November 20, 2012 Kartika 29, 1934 (Saka) All Commercial Banks (excluding RRBs) Madam/Dear Sir, Acquisition of Accommodation on Lease / Rental basis by Commercial Banks for their use (i.e. for Office and Residence of Staff) Please refer to our Circular DBOD. No. BL.BC. 105/22.01.003/98 dated November 11, 1998 on the above subject, advising banks that the norms and procedures to be followed for acquisition of premi

RBI/2012-13/295 DBOD.AML.No.7299/14.06.001/2012-13 November 19, 2012 The Chairmen / CEOs of all Scheduled Commercial Banks (Excluding RRBs)/ Local Area Banks / All India Financial Institutions Dear Sir, Implementation of Section 51-A of UAPA, 1967- Updates of the UNSCR 1267(1999) / 1989(2011) Committee's Al Qaida Sanctions List Please refer to our circular DBOD. AML No. 6278/14.06.001/2012-13 dated October 25, 2012 on the captioned subject. We have since received from

RBI/2012-13/296 DBOD.No.Dir.BC.57/13.03.00/2012-13 November 19, 2012 All@@NBSP@@Scheduled Commercial Banks (excluding RRBs) Dear Sir / Madam Bank finance for purchase of gold Please refer to paragraphs 102 and 103 (extract enclosed) of the Second Quarter Review of Monetary Policy 2012-13 announced on October 30, 2012, proposing that other than working capital finance, banks are not permitted to finance purchase of gold in any form. 2. In terms of extant guidelines iss

RBI 2012-13/293 DBS.FrMC.BC.No. 04/23.04.001/2012-13 November 15, 2012 The Chairmen & Chief Executive Officers of all Scheduled Commercial Banks (excluding RRBs) and All India Select Financial Institutions Dear Sir, Frauds – Classification and Reporting Please refer to our circular DBS. FrMC. BC. No.1 /23.04.001/2012-13 dated July 02, 2012 i.e., the Master Circular on “Frauds – Classification and Reporting”. 2. As per para 3.4 of the above mentioned circular, case

RBI No 2012-13/285 DBOD.BP.No.56/21.04.098/ 2012-13 November 7, 2012 The Chairmen and Managing Directors / Chief Executive Officers of All Commercial Banks (Excluding RRBs and LABs) Madam/Dear Sir, Liquidity Risk Management by Banks Please refer to paragraphs 91 to 93 (extract enclosed) of the Monetary Policy Statement 2012-13 announced on April 17, 2012 regarding the final guidelines on Liquidity Risk Management and Basel III Framework on Liquidity Standards. It may