Entrance Exams
Govt. Exams
PCR = (Total Provisions / Gross NPA) × 100. A 65% PCR means the bank has made provisions equivalent to 65% of its gross NPA.
CRR requirement = 4% of ₹10 lakh = ₹0.4 lakh. SLR requirement = 18% of ₹10 lakh = ₹1.8 lakh. Maximum lending = ₹10 lakh - ₹0.4 lakh - ₹1.8 lakh = ₹7.8 lakh
OMO sales of securities reduce liquidity and money supply. CRR reduction increases liquidity. QE and reverse repo rate cuts are expansionary measures.
LTD Ratio = (Total Loans / Total Deposits) × 100. Therefore, Total Loans = (78/100) × 5,00,000 = ₹3,90,000 crore
As per RBI's 2015 norms, any loan with outstanding principal or interest remaining unpaid for 90 days (3 months) is classified as NPA.
A lower Cost-to-Income ratio indicates better operational efficiency. The bank generates more income per unit of cost, suggesting improved profitability.
RBI's PSL guidelines mandate a minimum 18% of Adjusted Net Bank Credit (ANBC) to agriculture, with 8% to small and marginal farmers.
Growth = [(2,87,500 - 2,50,000) / 2,50,000] × 100 = [37,500 / 2,50,000] × 100 = 15%
Subordinated debt is classified as Tier 2 capital. Tier 1 consists of CET1 and AT1 components including common equity and retained earnings.
Gross NPA Ratio = (Gross NPA / Total Advances) × 100 = (8,000 / 1,00,000) × 100 = 8%