With LTD ratio of 78%, advances are 78% of deposits. If deposits increase by ₹5,000 crores, advances increase by 78% of ₹5,000 = ₹3,900 crores. This tests understanding of key banking ratios and their application in data interpretation.

Original NPA = 1.2% of ₹12,000 = ₹144 cr. New NPA = 1.2% of ₹14,800 = ₹177.6 cr. Increase in NPA = ₹177.6 - ₹144 = ₹33.6 crores.

Current agriculture advances = 12% of ₹50,000 = ₹6,000 cr. Required increase of 5% of total = 5% of ₹50,000 = ₹2,500 crores additional disbursement needed.

RBI's KYC guidelines restrict cash deposits to ₹1 lakh per month for new accounts in the first 6 months without enhanced documentation, to curb money laundering and terror financing.

Interest Coverage Ratio = EBIT / Interest Expense. A decline from 8.5x to 6.2x indicates the bank generates less EBIT relative to interest expenses, reducing its capacity to comfortably service debt.

When advances grow faster than deposits, it indicates the bank is funding loan growth through borrowing from money markets, inter-bank lending, or external sources rather than relying on deposits.

RBI mandates a minimum LCR of 100% for all banks, meaning banks must maintain high-quality liquid assets to cover net cash outflows over 30 days under stress scenarios.

P/E Ratio = Stock Price / EPS = ₹1,080 / ₹54 = 20x. This indicates the market values the bank at 20 times its annual earnings.

LDR of 83% means the bank is deploying 83% of deposits as loans. An increase towards the upper threshold (80% is regulatory comfort zone) indicates higher liquidity risk if deposits decline.

As per Basel III implementation in India, RBI mandates a minimum CET1 ratio of 6.5% (including capital conservation buffer of 1.875%), increased from the earlier 5.5%.