BSABL Complete RawData

The document provides a comprehensive overview of banking fundamentals as of August 2025, including balance sheet components, CRR and SLR requirements, and policy rates. It outlines capital adequacy norms, NPA classifications, provisioning standards, and priority sector lending targets. Additionally, it details the functions of the RBI and key financial ratios relevant to banking operations.

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BSABL Complete RawData

Uploaded by

syedsharukh842

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BSABL – Complete Raw Data (Aug 2025)

1. Bank Balance Sheet Basics

Liabilities (what bank owes): Deposits (Savings, Current, FD, RD), Borrowings, Capital & Reserves, Other lia
Assets (what bank owns): Cash, Balances with RBI (CRR), Investments (SLR & Non-SLR), Loans & Advanc
Formula: Assets = Liabilities + Capital.

2. CRR & SLR

CRR (Cash Reserve Ratio): % of NDTL (Net Demand & Time Liabilities) kept in cash with RBI. Current = 4%
SLR (Statutory Liquidity Ratio): % of NDTL in Govt securities, cash, gold. Current = 18%.

3. Policy Rates (Aug 2025)

Repo Rate = 5.50% (Banks borrow from RBI).
Reverse Repo Rate = 3.35% (Banks park surplus with RBI).
MSF (Marginal Standing Facility) = 5.75% (Emergency overnight borrowing).
Bank Rate = 5.75% (Long-term lending by RBI).
Order: Reverse Repo < Repo < MSF/Bank Rate.

4. Capital Adequacy (Basel Norms)

CRAR (Capital to Risk Weighted Assets Ratio) = Capital Funds / RWA × 100.
Basel minimum = 8%. RBI minimum = 9%. Indian avg ~17%.
Capital: Tier I (Core) = Paid-up capital, reserves. Tier II (Supplementary) = Revaluation reserves, subordinate

5. NPA Classification
Standard Asset = Performing, no overdue > 90 days.
Substandard Asset = NPA ≤ 12 months.
Doubtful Asset = NPA > 12 months.
Loss Asset = Identified as unrecoverable.

6. Provisioning Norms (RBI)

Standard Assets = 0.25–0.40%.
Substandard Assets = 15% (25% if unsecured).
Doubtful Assets = Up to 1 yr: 25% secured; 1–3 yrs: 40% secured; >3 yrs: 100% secured. Unsecured = 100%
Loss Assets = 100%.

7. PSL (Priority Sector Lending)

Overall PSL target = 40% of ANBC (Adjusted Net Bank Credit).
Sub-targets: Agriculture = 18%, Small & Marginal Farmers = 10%, Micro Enterprises = 7.5%, Weaker Section

8. RBI Issue & Banking Functions

Issue Dept = Issues currency notes, backed by Minimum Reserve System (■200 cr: ■115 cr gold + ■85 cr f
Banking Dept = Govt banker, banker to banks, manages public debt.
Weekly Statement of Affairs = RBI balance sheet published weekly.
RBI = Lender of Last Resort.

9. Key Ratios (Formulas)

CRR = (Cash with RBI / NDTL) × 100
9. Key Ratios (Formulas) (contd.)

SLR = (Govt Securities + Cash + Gold / NDTL) × 100

CRAR = (Capital Funds / Risk Weighted Assets) × 100
Gross NPA Ratio = (Gross NPAs / Gross Advances) × 100
Net NPA Ratio = (Gross NPAs – Provisions / Gross Advances – Provisions) × 100
RoA (Return on Assets) = (Net Profit / Average Total Assets) × 100
NIM (Net Interest Margin) = (Net Interest Income / Average Earning Assets) × 100
CD Ratio = (Total Advances / Total Deposits) × 100