Entrance Exams
Govt. Exams
Section 24 of the Banking Regulation Act, 1949 mandates the maintenance of SLR, which is currently set at 18% of NDTL as per RBI guidelines.
LDR = (Advances / Total Deposits) × 100 = (1,87,500 / 2,50,000) × 100 = 75%. A healthy LDR is typically between 70-85%.
As per RBI's latest monetary policy framework for 2024-2025, the CRR is maintained at 4.5% of Net Demand and Time Liabilities (NDTL).
EAR = (1 + r/n)^n - 1 = (1 + 0.085/4)^4 - 1 = (1.02125)^4 - 1 ≈ 0.0882 or 8.82%
The RBI's Financial Stability Report focuses on asset quality, capital adequacy, profitability, and liquidity. Customer Satisfaction Index is not part of the formal FSR framework.
NIM = (Net Interest Income / Total Assets) × 100. Therefore, NII = (2.8/100) × 5,00,000 = ₹14,000 crores
LTV:CAC ratio = 50000:2500 = 20:1, indicating that each customer generates 20 times the acquisition cost in lifetime value.
RBI maintains a corridor with repo rate (policy rate) at the center, with Standing Deposit Facility (SDF) at -50 bps and Marginal Standing Facility (MSF) at +50 bps.
New Advances = 500000 × 1.15 = ₹5,75,000 crores. New Deposits = 500000 × 1.12 = ₹5,60,000 crores. Ratio = 575000/560000 = 1.027 ≈ 1.03
ROA = (Net Profit / Total Assets) × 100. Therefore, Total Assets = Net Profit / (ROA/100) = 3000 / 0.015 = ₹2,00,000 crores