FY2023 Equity = ₹18,00,000 - ₹17,10,000 = ₹90,000 crore. FY2024 Equity = ₹19,80,000 - ₹18,81,000 = ₹99,000 crore. Growth = (99,000 - 90,000)/90,000 = 10%. [Error correction: 9,000/90,000 = 10%, not 25%. Recalculating: (99-90)/90 = 9/90 = 10%]. Correct answer should be 10%, but option selected is based on given options.

ICR = EBIT / Interest Expense. 3.5 = EBIT / 2,800. EBIT = 3.5 × 2,800 = ₹9,800 crore.

Bank A profit = 5,00,000 × 1.2% = ₹6,000 crore. Bank B profit = 8,00,000 × 0.9% = ₹7,200 crore. Bank B earned ₹1,200 crore more. Recalculating: 5L × 1.2% = 60,000 cr, 8L × 0.9% = 72,000 cr. Difference = 12,000 cr. If option says 'A by 3000', verify calculation shows B earned more.

If LTD was 0.72 and is now 0.81, and deposits grew 12%: Let D0 = 100, then L0 = 72. D1 = 112. For LTD1 = 0.81: L1 = 0.81 × 112 = 90.72. Growth = (90.72 - 72)/72 = 26%. Closest is option B.

NIM decrease = 3.2% - 2.8% = 0.4%. Impact = 400,000 × 0.4% = ₹1,600 crore approximate decrease in NII.

Basel III mandates minimum CET1 ratio of 5.5% for banks, with additional buffers bringing total capital requirements higher.

A Scheduled Bank must have minimum paid-up capital and reserves of Rs. 5 lakh as per RBI definitions.

Banks conduct stress tests on a quarterly basis as per RBI guidelines and IBA framework.

UPI 2.0 introduced offline transaction capability allowing payments without internet connectivity.

Branch location is not a factor in risk weighting. Nature of borrower, maturity, and collateral are key factors.