IEcoS (Economic Services) Indian Economics Money and Banking-Changing Roles of the Reserve Bank of India Terms and Persons (Page 6 of 14)

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Lead Bank Scheme

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The Lead Bank Scheme was launched by the RBI in 1969 as an area approach for providing banking facilities in rural areas. The LBS was recommended by DR Gadgil study group that pioneered the idea of providing social banking in the post-independence period. Under LBS, every district across the country would be assigned to a commercial bank. The bank should have major presence in that district to do the work of the Lead Bank. The lead bank makes surveys and makes loan facility to various sectors.

Leverage Ratio

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The leverage ratio under the Basel III regulatory framework for banks is defined as their capital measure divided by their exposure measure, with this ratio expressed as a percentage. Leverage ratio shows the extend of indebtedness of a bank.

Liquidity Coverage Ratio

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The liquidity coverage ratio of Basel III is a short term metric standard aims to ensure that a bank maintains an adequate level of unencumbered, high quality liquid assets that can be converted into cash to meet its liquidity needs for a 30-day time horizon under a significantly server liquidity stress scenario specified by supervisors.