Banking

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Pledge is applicable on government securities example Nsc and fixed deposit.

Hypothecation on movable good s.

Three pillars of Basel ii are
1. CMO credit risk, operational risk and market risk.
2. Supervisory review process
3. Market discipline.

Types of mergers. :-
Horizontal
Vertical
Concentric
Conglomerate

Tier 2 will be 50% of tier I for subordinated term debt.

Tier 3 will be limited to 250% of tier I .

CIBIL comprises of 40%of share of SBI and 40%hdfc and 10%dun and Bradstreet and 10%transunion INTERNATIONAL.

Types of lien :-
General and special

Sans recourse means without any liability.

Mortgage relates to immovable property and hypothecation relates to movable property.