Govt Exams
Markdown refers to the spread between the bid-ask prices in securities trading by banks
Using EMI formula: P[r(1+r)^n]/[(1+r)^n-1] ≈ ₹10,600 (Monthly rate = 10%/12)
An increase in NIM indicates the bank is earning more profit on its lending and deposit operations
Failed transactions = 5,000 × 2% = 5,000 × 0.02 = 100 transactions
As of 2024, RBI maintains SLR requirement at 18% of Net Demand and Time Liabilities (NDTL)
CAR of 15% means the bank has adequate capital buffer. Regulatory minimum is 10.5%, so 15% indicates compliance and strength
SI = (2,00,000 × 12 × 5)/100 = ₹1,20,000
NPA is a classification for loans where principal or interest payment is overdue by 90 days or more
DICGC (now DIGC) covers maximum ₹5 lakh per depositor per bank since May 2021
A = P(1 + r/100)^n = 1,00,000(1.07)^2 = 1,00,000 × 1.1449 = ₹1,14,490