PMJDY provides zero-balance accounts, life insurance via Suraksha Bima, and overdraft facility but does NOT provide direct subsidies on deposits.

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).

LDR = (Advances / Total Deposits) × 100 = (1,87,500 / 2,50,000) × 100 = 75%. A healthy LDR is typically between 70-85%.

NPA includes substandard, doubtful, and loss assets. Standard assets (performing assets) are excluded from NPA calculations as per RBI's asset classification guidelines.

EPS growth = ((54 - 45) / 45) × 100 = (9/45) × 100 = 20%

Priority Sector Lending mandates that banks lend at least 40% of their Adjusted Net Bank Credit (ANBC) to priority sectors including agriculture, MSMEs, and weaker sections, promoting financial inclusion.

DICGC, established under the RBI, provides deposit insurance covering up to ₹5 lakh per depositor per bank per financial year, protecting depositors' interests in case of bank failure.

A Current Ratio of 1.8 and Quick Ratio of 1.2 indicates the bank can cover current liabilities 1.8 times with all current assets and 1.2 times with only the most liquid assets, suggesting healthy liquidity.

Under Basel III, banks must maintain a minimum CAR of 10.5%, which includes a 4.5% Tier 1 capital ratio, a 6% Tier 1 capital plus Tier 2 ratio, and a 2.5% capital conservation buffer.

Q1: Digital = 50,000; Total = 200,000. Q2: Digital = 50,000 × 1.2 = 60,000; Total = 200,000 × 1.1 = 220,000. New percentage = (60,000/220,000) × 100 = 27.27%. However, correct calculation: 60,000/220,000 = 0.2727 = 27.27%. Re-checking: Actually 29.41% is derived from different base. The answer is 27.27%.