As per Basel III, the LCR requirement mandates that banks maintain high-quality liquid assets at least equal to 100% of their net cash outflows over 30 days under stress scenarios.

NIM is calculated as (Interest Income - Interest Expenses) / Average Earning Assets. It measures the bank's core profitability from lending and borrowing operations, crucial for assessing operational efficiency.

Masala Bonds are rupee-denominated bonds issued overseas with no fixed maximum tenure restriction, governed by FEMA guidelines.

RBI mandates that banks conduct comprehensive security audits at least annually, with more frequent assessments for critical systems.

ICICI Bank, HDFC Bank, Axis Bank, and State Bank of India are classified as D-SIBs and required to maintain higher capital buffers due to systemic importance.

RBI mandates that commercial banks allocate at least 18% of total advances to agriculture.

RBI maintains the SLR requirement at 18% with recent adjustments around 20% for specific instruments.

Branch location is not a factor in risk weighting. Nature of borrower, maturity, and collateral are key factors.

UPI 2.0 introduced offline transaction capability allowing payments without internet connectivity.

Banks conduct stress tests on a quarterly basis as per RBI guidelines and IBA framework.