EAR = (1 + r/n)^n - 1 = (1 + 0.085/4)^4 - 1 = (1.02125)^4 - 1 ≈ 0.0882 or 8.82%

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%.

Section 24 of the Banking Regulation Act, 1949 mandates the maintenance of SLR, which is currently set at 18% of NDTL as per RBI guidelines.

CAR = (Tier 1 + Tier 2 + Tier 3 Capital) / Risk-Weighted Assets. Basel III requires minimum CAR of 10.5% (including capital conservation buffer) for Indian banks.

A Cost-to-Income ratio of 42% is considered healthy (lower is better). Ratios above 50% indicate inefficiency. This suggests the bank is controlling costs well relative to its income.

The IBC, 2016 is a comprehensive legislation applicable to individuals and corporates. It mandates a resolution within 180 days (extendable to 270 days) through a structured process involving creditors, including banks.

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

RBI's guidelines on prepaid payment instruments specify that transactions up to ₹10,000 can be conducted without full KYC verification for semi-closed systems.

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