Entrance Exams
Govt. Exams
Improved ROA indicates better profitability relative to total assets. Stable ROE with improved ROA suggests maintained leverage with better operational efficiency.
PMJJBY provides only death cover (natural and accidental), not critical illness coverage. For critical illness, Ayushman Bharat is a separate scheme.
Retail = 2,50,000 ÷ (2,50,000 + 3,50,000 + 1,50,000) × 100 = 2,50,000 ÷ 8,00,000 × 100 = 31.25%
A healthy CASA ratio of 35-40% indicates banks have a stable, low-cost deposit base, which improves net interest margins.
Using A = P(1 + r/400)^n where P=50000, r=4, n=8 quarters: A = 50000(1.01)^8 = ₹54,120.25
RBI mandates a minimum CET1 capital ratio of 6.5% for Indian banks under Basel III framework to ensure financial stability.
A lower Net NPA ratio indicates fewer non-performing assets relative to total advances, showing better asset quality and credit risk management by the bank.
PCR = (Gross NPA - Net NPA) / Gross NPA × 100 = (2.5 - 0.8) / 2.5 × 100 = 1.7/2.5 × 100 = 68%.
The Standing Deposit Facility allows banks to place funds with RBI at a fixed rate (typically 25-50 bps below repo) to manage liquidity surplus.
Quarterly rate = 6.2%/4 = 1.55%, n = 8 quarters. Amount = 1,00,000 × (1.0155)^8 ≈ 1,00,000 × 1.128 = ₹1,12,800.