Entrance Exams
Govt. Exams
GNPA increase = (2.8% - 2.1%) × ₹5,00,000 crore = 0.7% × ₹5,00,000 crore = ₹3,500 crore
ICR = EBIT / Interest Expense. 3.5 = EBIT / 2,800. EBIT = 3.5 × 2,800 = ₹9,800 crore.
Bank A profit = 5,00,000 × 1.2% = ₹6,000 crore. Bank B profit = 8,00,000 × 0.9% = ₹7,200 crore. Bank B earned ₹1,200 crore more. Recalculating: 5L × 1.2% = 60,000 cr, 8L × 0.9% = 72,000 cr. Difference = 12,000 cr. If option says 'A by 3000', verify calculation shows B earned more.
If LTD was 0.72 and is now 0.81, and deposits grew 12%: Let D0 = 100, then L0 = 72. D1 = 112. For LTD1 = 0.81: L1 = 0.81 × 112 = 90.72. Growth = (90.72 - 72)/72 = 26%. Closest is option B.
NIM decrease = 3.2% - 2.8% = 0.4%. Impact = 400,000 × 0.4% = ₹1,600 crore approximate decrease in NII.
Basel III mandates minimum CET1 ratio of 5.5% for banks, with additional buffers bringing total capital requirements higher.
Retail increase: 65,000 - 50,000 = +15,000 crore. Corporate decrease: 72,000 - 80,000 = -8,000 crore. Net = 15,000 - 8,000 = +7,000 crore. Correction: This should be +7,000, but let's verify the options align.
NPA Ratio = (NPAs/Total Advances) × 100 = (9,600/500,000) × 100 = 1.92%
Capital buffer = Actual CRAR - Minimum regulatory CRAR = 14.5% - 11.5% = 3.0%
Q1 to Q2: (960-800)/800 = 20%; Q2 to Q3: (1152-960)/960 = 20%. This shows 20% consistent quarter-on-quarter growth.