Answer Posted / sai laxmi

Bank rate:-
Bank rate is the rate at which RBI lends money to other banks or financial institutions or commercial banks. If bank rate is increased by RBI, then all banks will also hike their own lending rates such as deposit rates and prime lending rates etc.......Bank rate is also known as the discount rate and it is the oldest instrument of monetary policy. The bank rate policy seeks to affect both the cost and availability of credit.

CRR:-
CRR is a bank regulation that sets the minimum reserves each bank must hold to customer deposits and notes. Banks in India are required to hold a certain proportion of their deposits in the form of cash. However, actually banks don't hold these as cash with themselves, but deposit such case with RBI, which is considered as equivalent to holding cash with themselves. These reserves are designed to satisfy withdrawal demands, and would normally be in the form of authorized currency stored in a bank vault or with RBI. The reserve ratio is sometimes used as a tool in the monetary policy, influencing the country's economy, borrowing and interest rates. CRR is also known as cash asset ratio or liquidity ratio. The RBI is empowered to vary CRR between 3% and 20% respectively.

SLR:-
Every bank is required to maintain at the close of business every day, a minimum proportion of their net demand and time liabilities as liquid assets in the form of cash, gold or approved securities. This percentage is fixed by RBI. The maximum and minimum limits for the SLR are 40% and 25% respectively.

Repo Rate:-
It is also called as repurchase rate. It is the rate at which RBI lends short term money to the banks. When the banks have any shortage of funds they can borrow it from RBI. A reduction in the repo rate will halp banks to get money at a cheaper rate. When the repo rate increases, borrowing from RBI becomes expensive.

Reverse Repo rate:-
Reverse repo rate is the rate at which RBI borrows money from banks. When liquidity or cash floating is excess in banks, RBI sucks it out by reverse repo by lending securities and taking out money from banks.

why do you wnt to join in ban rathe than other fields?

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i have cleared IBPS exam I have done instrumentation engineer In PO interview what should i say when panel ask How will i be beneficial to bank???? Please help me

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Has anyone any idea about when will be the UCO Bank PROBATIONARY OFFICERS (PO) interview when exam help ON 30 Jan 2011. anyone got call letters or email ?

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sir my name is bala krishna i want to write bank baroda pos exam but after write the exam when the the result is held ,how many taken for that.....thank you sir.....

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hi i m Kirti kumar have been selected in written in IDBI for post of AGM please if someone have idea post question on my email- deepak85.1986@gmail.com or contact me on - 9582955061

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IS TIME COACHING CENTRE(KUKATPALLY HYDERABAD)A GOOD COACHING CENTRE FOR BANK PO EXAMS?

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i want descriptive paper asked frequently in bank po exams

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Hi friends my name is naveenraj and i attended the exam conducted by sbi and i cleared it but i didnt know anything about the next round of interview so please helpp me by giving any info oriented to the interview thank you and mail address is naveen.net@gmail.com

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plz giv rplyy to these ques. ,,related to bank interview 1)being an engineer ,iwhile qualified bank written exam,,what will u do,if you will get opportunity in engineering??? 2)how long wud u stay wid us or how long u will bring a meaningfull contribution to our firm?????? 3)define the role of junior management officer in private bank?

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i got selected in clerical o9 xm of sbi...i am an engineer of biotechnology...what kind of question i hv to face plss tell me...it's urgent..send it in my mail id

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Hello I am a Graduate can anyone tell me which is the good coaching center for Bank PO in Hyderabad and the fee structure.and details.I am week in Maths

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hai friends.... I applied for asst manager(IT) in NABARD.I'm qualified in NABARD prelims 2010... I've completed my MCA in june 2010.... I'm eligible to continue... please answer my question please....

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Hi,I have been selected for interview for probationary officer for Vijaya bank. Please send questions that may be asked in interview at kandwalrinkaj@gmail.com. Your help would be greatly appreciated. Thank you.

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please mail me the frequent questions asked at the time of den bank interview.

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assets and liailitie, bank duties, ombudsman, contingent liability

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