SLR = 18% of total liabilities. If Government securities (SLR compliance) = ₹45,000 crores, then Total Liabilities = ₹45,000 / 0.18 = ₹2,50,000 crores. Tests understanding of RBI regulations and ratio calculations relevant to banking exams.

With LTD ratio of 78%, advances are 78% of deposits. If deposits increase by ₹5,000 crores, advances increase by 78% of ₹5,000 = ₹3,900 crores. This tests understanding of key banking ratios and their application in data interpretation.

Original NPA = 1.2% of ₹12,000 = ₹144 cr. New NPA = 1.2% of ₹14,800 = ₹177.6 cr. Increase in NPA = ₹177.6 - ₹144 = ₹33.6 crores.

Basel III minimums: CET1 6.5%, Tier 1 8.5%, Overall CAR 10.5%. Bank J has CET1 9.5%, Tier 1 11.8%, CAR 15.2% - exceeding all minimums and compliant with conservation buffers.

RBI's regulatory instruments in descending order of mandate: Directions (mandatory), Notifications (legal), Circulars (operational guidance), Guidelines (advisory). Directions are most binding.

Current agriculture advances = 12% of ₹50,000 = ₹6,000 cr. Required increase of 5% of total = 5% of ₹50,000 = ₹2,500 crores additional disbursement needed.

NIS = Rate earned on assets - Rate paid on deposits. Narrowing suggests the yield curve compressed, reducing the difference between lending and deposit rates, a typical scenario in monetary tightening.

RBI's KYC guidelines restrict cash deposits to ₹1 lakh per month for new accounts in the first 6 months without enhanced documentation, to curb money laundering and terror financing.

Interest Coverage Ratio = EBIT / Interest Expense. A decline from 8.5x to 6.2x indicates the bank generates less EBIT relative to interest expenses, reducing its capacity to comfortably service debt.

Basel III aims to strengthen bank resilience to financial stress through enhanced capital requirements, improved risk management, and better liquidity standards, thereby enhancing overall financial stability.