Answer / shinoj.k.s.

Ans:- SLR - 25% (w.e.f. 07/11/2009) Increased from 24%

which was continuing since. 08/11/2008

These include:

1.Interest rate increases.

2.Changes in the prudential regulation of banks’

investments in G-Sec.Most G-Sec held by banks are long-term

fixed-rate bonds, which are sensitive to changes in

interest rates. Increasing interest rates have eroded

banks’ income from trading in G-Sec.

Recently a huge demand in G-Sec was seen by almost all the

banks when RBI released around 108000 crore rupees in the

financial system. This was by reducing CRR, SLR & Repo

rates. This was to increase lending by the banks to the

corporates and resolve liquidity crisis. Providing economy

with the much needed fuel of liquidity to maintain the pace

of growth rate. However the exercise became futile with

banks being over cautious of lending in highly shaky market

conditions. Banks invested almost 70% of this money to

rather safe Govt securities than lending it to corporates.

Value and Formula

The quantum is specified as some percentage of the total

demand and time liabilities ( i.e. the liabilities of the

bank which are payable on demand anytime, and those

liabilities which are accruing in one months time due to

maturity) of a bank.

SLR Rate = Total Demand/Time Liabilities x 100%

This percentage is fixed by the Reserve Bank of India. The

maximum and minimum limits for the SLR are 40% and 25%

respectively.[1] Following the amendment of the Banking

regulation Act(1949) in January 2007, the floor rate of 25%

for SLR was removed. Presently, the SLR is 25% with effect

from 7 November, 2009. It was raised from 24% in the RBI

policy review on 27 October, 2009.

Answer / vinay kumar pagidikondala

SLR Means Statuary liquidity ratio, Every bank has to
maintain certain percentage in the form Securities over its
deposits and credits with RBI this is known as SLR
Present SLR is 25%

Bank exam for SBI - Porbationary officer,CUb- Clerical Type model qustion paper I want Please send by email id. as soon as possible

199 Answers   BSRB, Corporation Bank, FHF, IBM, ICICI, Indian Bank, Oriental Bank Of Commerce, State Bank Of India SBI,

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Hi, this Udaya Bhaskar (9492038751) again. I posted a post already today (23.05.2009, 11:30 hrs, SBI Staff Training Centre, West Maredpally, Sec'bad) morning immediately after i attended the interview of SBH Clerical from Hyderabad Region. Now I am giving some material on Clerical interview for the benefit of your good selves. SLR - Statutory liquidity ratio - 24% at present (RBI range25% - 40%) CRR - Cash reserve ratio - 5 % at present Repo rate - 4.75 % at present - It is the rate at which RBI lends money to Banks Reverse Repo Rate - 3.25% - It is the rate at which Banks park their funds with RBI Bank Rate - 6% at present - It is the rate at which RBI lends money to Banks Main difference between Repo rate and Bank rate is that Repo rate is the discounting offered by the RBI on the monetary bill hold by the Banks Savings Bank Rate - 3.5% for SBH & SBI Call money rate - 2.25% - 4.30% - It is the rate of interest charged by the banks for temporary borrows among banks Legar Tender Money - Currency issued by RBI Optional Money - Cheques, DDs, Bankers Cheques Plastic Money - Credit card, Debit card Credit card is ready made overdraft in e-form for buying good and services by the card holder within specified limits and according to terms and conditions of the issuer Bank without having any account. Debit card is e-Cheque which can be used within the limits of the credit in the account associated with it for financial transactions. Core Banking - Networking of Banks for providing any where any time Banking is called Core Banking Merchant Bank provides capital to firms in the form of shares rather than money. Investment Banks tend to provide investment to firms. Corporate Banking looks after the needs of Big firms, companies, business entities Business Banking looks after needs of medium level business firms, entities, individuals Retail banking focusses to provide services to individuals Private banking focusses to provide services to high networth individuals Lead Banking focusses on providing all type of financial services Narrow Banking focusses on a particular sector like Mortgage, Auto Finance etc. With best wishes, Udaya Bhaskar 9492038751

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