CAIIB free notes 8279470702

 Lead Bank Scheme    The genesis of the Lead Bank Scheme (LBS) can be traced to the Study Group  headed by Prof. D. R. Gadgil (Gadgil Study Group) on the Organizational  Framework  for Implementation of the Social Objectives, which submitted its report  in October  1969. The Study Group drew attention to the fact that commercial  banks did not have adequate presence in rural areas and also lacked the required  rural orientation. The  Study Group, therefore, recommended the adoption of an  'Area Approach' to evolve  plans and programmes for the development of an  adequate banking and credit  structure in the rural areas.     A Committee of Bankers on Branch Expansion Programme of Public Sector Banks   (PSBs) appointed by the Reserve Bank of India under the Chairmanship of Shri F. K.   F. Nariman (Nariman Committee) endorsed the idea of an ‘Area Approach’ in its  report ...

Beauty of Boundaries  One of our Branches has sanctioned and disbursed Housing Loan of Rs 15 lacs to  construct Residential Building in one plot (Plot C in the diagram furnished below)  owned by Mr Ramji , the Borrower. Branch has obtained Personal Guarantee of one  Mr Kishanji, friend of the Borrower.    Entire loan amount was disbursed. Repayments are regular in first 6 months from  the date of commencement of Repayment. Subsequently, the loan has become  sticky and borrower is not responding to our calls.     It is learnt that the family of the Borrower had left the town and where abouts are  not known.    We have served Notice under SARFAESI Act. Copy of the said Notice was pasted  by Branch Officials at the Residential Building mortgaged to us.     During the time when our Branch is taking action under SARFAESI Act, I happened  to visit the said Branch (I was placed in Circle Office). The...

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