Entrance Exams
Govt. Exams
Maximum Loan = 80% of ₹50 lakh = 0.80 × 50 = ₹40 lakh
Operating Profit = NII - Operating Expenses = 3,000 - 1,200 = ₹1,800 crore
Year 1 Assets = 1,00,000 × 1.15 = 1,15,000 crore; Year 2 Assets = 1,15,000 × 1.12 = 1,28,800 crore
Tier 1 CAR = (Tier 1 Capital / RWA) × 100 = (5,000 / 40,000) × 100 = 12.5%
CIR = (Operating Expenses / Revenue) × 100 = (3,150 / 8,000) × 100 = 39.375%
Core banking operations involve accepting deposits and advancing loans/credits as primary functions.
PCR = Provisions / NPA. 68% = Provisions / 500. Provisions = 0.68 × 500 = ₹340 crore
SLR compliance includes Gold, Cash, and Approved Government Securities as per RBI's Liquidity Coverage Ratio framework.
Interest Income Ratio = (Interest Income / Total Income) × 100 = (5,000 / 7,500) × 100 = 66.67%
Basel III mandates a minimum CET1 ratio of 4.5% of Risk-Weighted Assets (RWA).