Basel norms are banking standards developed which gauge the depth and stability of

the banking system.

focused almost entirely on credit risk. It defined capital and structure of risk weights for banks.
The minimum capital requirement was fixed at 8% of risk weighted assets (RWA). RWA means
assets with different risk profiles. For example, an asset backed by collateral would carry lesser
risks as compared to personal loans, which have no collateral.

Basel 2

Banks should maintain a minimum capital adequacy requirement of 8% of risk assets, Banks
need to mandatorily disclose their risk exposure, etc to the central bank.

Basel 3

Capital adequacy ratio is 8%.

Capital Adequacy ratio(CAR) is is a ratio of a
banks capital to its risk. Out of the 9% (of RWA) capital adequacy
requirement, 7%(of RWA) has to be met by Tier 1 capital while the
remaining 2%(of RWA) by Tier 2 capital.

RBI has set the leverage ratio at 4.5%

Liquidity Coverage Ratio (LCR), a ratio of the liquid money to total assets. This should equal the banks net outflows
during a 30-day stress period.

Tier 1 capital is a bank's core capital, whereas tier 2 capital is a bank's supplementary
capital.

Tier 1 capital consists of shareholders' equity and retained earnings.

Tier 2 capital includes revaluation reserves, hybrid capital instruments

and subordinated term debt, general loan-loss reserves, and undisclosed reserves.

500 cr min capital required to set up a bank

MUTUAL FUND_

A mutual fund is an investment vehicle made up of a pool of moneys collected from many
investors for the purpose of investing in securities such as stocks, bonds, money market
instruments and other assets.

Open-end mutual fund shares are bought and sold on demand at their
net asset value, or NAV, which is based on the value of the funds
 underlying securities and is generally calculated at the close of every
trading day. Investors buy shares directly from a fund.
Closed-end funds have a fixed number of shares and are traded among
investors on an exchange. Like stocks, their share prices are determined
according to supply and demand, and they often trade at a wide
discount or premium to their net asset value.
Exchange-traded funds also trade like stocks on an exchange, but their
market prices hew more closely to their net asset value than closed-end
funds.
DEBT oriented MF-

Less than 3 years- stcg, added to your income

More than 3 years- ltcg, 20% with indexation

EQUITY OREINTED

Less than 1year- 15% flat

More than 1 year- tax free

A ULIP is an insurance plan where the premium paid is invested in equity, debt, or money market instruments.
Subject to certain conditions, the premium paid towards this policy is allowed as a deduction u/s 80C of the Income
Tax Act. So, ULIP premiums can be deducted from your taxable income up to the permissible limit u/s 80C, which is
currently at Rs. 1.5 lacs.

80c- nps, ppf, elss, fd etc.

80d- medical insurance of upto 15k

HNI

individuals with over Rs. 2 crore investible surplus are considered to be HNIs
while those with investible wealth in the range of Rs. 25 lac - Rs. 2 crore are
deemed as Emerging HNIs.

IPO in an Indian company, generally, if you apply for amounts in excess of Rs

2 lakhs,

NPA ICICI-

gross NPA rose 1.4 percent but net NPA dropped 0.6 percent to Rs 25,306 crore in
the quarter ended June 2017. Among the top 20 banks, according to GNPAs in absolute terms,
18 are PSBs and only two are private sector banks ICICI Bank and Axis Bank. These two private
sector banks have a combined share of 7.9 per cent in total NPAs. SBI, Punjab National Bank, Bank
of India, IDBI Bank, and Bank of Baroda accounted for 47.4 per cent (totalling 3,93,154 crore) in
the total NPAs as of June-end 2017. Icici accounts for about 5% of npas.