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2nd September 2017 : The Hindu short handy notes
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Rohingya muslim immigrants Narsimham committee report EFTA

Arpita Sharma
2+ years of teaching experience in UPSC Category.

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hello sir ,i started my civils preparation with ncert textbooks (class-6 to class-12) science,geography,history,political science,economics.After completing these ncert books then i plan to refer subject wise indepth books and i m reading hindu newspaper daily but i'm not clear on which topic i have to make notes and on which topic i have to focus ?? and my biggest fear is i'm weak on aptitude i.e csat paper-2 ,and english grammer too ,i'm from engineering background i completed my btech in computer science branch but i'm very much interested in civils and i'm preparing on my own i'm not going to any institues .so can u suggest me a'm i going in right track ?? and how to overcome those aptitude n english grammer problems ?? can u plss suggest me ??
India doesn't need a large size bank. Reasons: 1. Jobs Loss as lots of intermediate personality have to loss their job 2. Its hard to open just a simple bank account in SBI, PNB and if most of the bank merge with each other, then we don't expect a good work in return from them. 3. Lack of competition among banks, so they can give any interest to consumer without taking care of their benefits.
Arpita Sharma
2 years ago
It has both positives and negatives .. however this merger should be carried out with right banks for the right reasons.Underperforming shall not be the only reason for merger . Now that the move is in line of initiation , bigger challenge is consolidation in the rest of the banking system. This is tricky given the huge challenge banks face , including NPA's. Also, since large sizing of banks is also about people , huge amount of planning would be required to make consolidation process smoother.
Arpita Sharma
2 years ago
It has both positives and negatives .. however this merger should be carried out with right banks for the right reasons.Underperforming shall not be the only reason for merger . Now that the move is in line of initiation , bigger challenge is consolidation in the rest of the banking system. This is tricky given the huge challenge banks face , including NPA's. Also, since large sizing of banks is also about people , huge amount of planning would be required to make consolidation process smoother.
Arpita Sharma
2 years ago
It has both positives and negatives .. however this merger should be carried out with right banks for the right reasons.Underperforming shall not be the only reason for merger . Now that the move is in line of initiation , bigger challenge is consolidation in the rest of the banking system. This is tricky given the huge challenge banks face , including NPA's. Also, since large sizing of banks is also about people , huge amount of planning would be required to make consolidation process smoother.
Arpita Sharma
2 years ago
It has both positives and negatives .. however this merger should be carried out with right banks for the right reasons.Underperforming shall not be the only reason for merger . Now that the move is in line of initiation , bigger challenge is consolidation in the rest of the banking system. This is tricky given the huge challenge banks face , including NPA's. Also, since large sizing of banks is also about people , huge amount of planning would be required to make consolidation process smoother.
India does need a large bank or a consolidation of bigger banks with smaller private banks due to the increasing number of NPAs. Also, the amount needed for projects like infrastructure demands a huge loan which might seem impractical for a single smaller bank. Whatever be the size of the bank the ownership will remain with the Government only.
Arpita Sharma
2 years ago
on point sahil :)