RBI Financial Stability Report June 2024 | Finance Current Affairs | RBI Grade B Exam Preparation

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[@RAJ-ev2gm]

What is the main reason for declined gross NPA ratio , is it due to to the introduction of asset reconstruction companies (BAD BANK) ?

[@Kingshuk_Mahapatra]

Homework: Q1. Option 5 (13%) Q2. Option 3 (16.8%) Thank you ma'am😊

[@kritikasharma7938]

You are most welcome Regards Kritika

[@amansarviya8727]

As always amazing sessions!!

[@shubhampawar2001]

Ma'am I have one doubt regarding currency swap agreement, Initial Agreement: On January 1, 2024, Country A and Country B enter into a currency swap agreement. Country A needs $10 million and agrees to provide an equivalent amount in Indian Rupees based on the exchange rate on that date (e.g., $1 = ₹75). So, Country A gives ₹750 million to Country B. Repayment: On January 1, 2025, the swap agreement matures. Country A will return the $10 million to Country B, and Country B will return the ₹750 million to Country A, regardless of the exchange rate changes during the year. In currency swap agreement in above example, who will benefit if FOREX rates becomes (at the time of repayment): a 1$=80rs b 1$=70rs

[@ranjanverma6566]

Shubham ji, no matter what exchange rates are at the time of maturity of the contract countries still be sharing the same amount that they have agreed at the beginning. and if you are asking of the perceived value yes whoever country's value have appreciated at the end will be at the losing end.

[@shubhampawar2001]

Thank You Ma'am for the insightful session. 1) The provisions kept in Net NPAS are from CRAR or collateral provided by companies while borrowing from banks or any other provision apart from above two ? 2) The provision set aside for Provision coverage ratio are different than those kept in Net NPA? Could you please clarify the provisions in both cases: Net NPA and PCA?

[@kritikasharma7938]

Hello Shubham Every bank has to prepare for making a loss on its loans. To offset this credit risk, the bank estimates the expected future loss on the loan and books a corresponding provision. Booking a provision means that the bank recognises a loss on the loan ahead of time. Banks use their capital to absorb these losses: by booking a provision the bank takes a loss and hence reduces its capital by the amount of money that it will not be able to collect from the client. Regards Kritika

[@shubhampawar2001]

@@kritikasharma7938 Got it Ma'am, so the reduced capital (after keeping aside provisions) is used as Capital in numerator of CRAR formula, right ?

[@kritikasharma7938]

@@shubhampawar2001 Yes Shubham the Capital the bank holds is kept in numerator Regards, Kritika

[@sathyab7000]

In the second question,as of sept 2023 asked.. everyone answering 16.8 percent which is March 2024 data

[@nachiketpounikar2206]

Thank you mam, As always you make high efforts and making the report easy to understand.😊

[@kritikasharma7938]

You are most welcome Nachiket Thank you for your Kind words. Regards, Kritika

[@anmolsoni8701]

Q. 1-5 Q. 2-3

[@lalitkhamkar9140]

Thankyou mam for the wonderful session. pls bring FSR in single session.😊

[@kritikasharma7938]

You are most welcome Lalit I have noted your suggestion Regards, Kritika

[@nehakori9632]

Homework Q1 option E ( 13%) Q2 option C ( 16.8%) Thankyou ma'am for complex data to make easy

[@kritikasharma7938]

You are most welcome Neha Regards, Kritika

[@vrishali8642]

Thank you for your efforts Ma'am. homework answers- Ans.1= 5 Ans. 2= 3

[@kritikasharma7938]

You are most welcome Vrishali Regards, Kritika

[@Dhwani_P15]

Question 1- 5 (13) Question 2 - 3 (16.8)

[@Vidyaarthi1]

Q1. 5(13%) Q2. 3(16.8%) Thankyou ma'am. I think q2 has mentioned cet1 capital incorrectly (13.7 instead of 13.9)

[@dikshasharma6101]

Wonderful session, Ma'am. Thank you so much for your efforts. You are really amazing.

[@kritikasharma7938]

Thank you so much Diksha. Means alot Regards, Kritika

[@Akash-wc4jh]

Thank-you for the knowledge mam. Mam please take a session on FSR just like the one you did for Annual report. mam please also discuss possible descriptive question that can appear in phase 2 from such topics.

[@kritikasharma7938]

Hello Akash I have noted your point. Regards, Kritika

[@PavanPareek1920]

A well informed session. Mam can you please bring some question from the previous session on a regular basis in form of MCQ and have a quick QnA on it before the session start so that we have a regular eye on it .. just a suggestion

[@kritikasharma7938]

Hello Pravan Thanks for writing to us. I provide the H.w. questions in the same session. If I take the revision in next session it might stretch the timing. The monthly revision sessions are conducted for the revision. Regards Kritika

[@nityasingh3071]

Thank you so much ma'am for the wonderful session ❤‍🔥 HW questions : Q1. [ E ] Q2. [ C ] Please bring the Financial Stability Report in a single part, Thank you ma'am.

[@kritikasharma7938]

You are most welcome Nitya I have noted your suggestion Regards, Kritika

[@avanishkumar2766]

I like how people gets confused between capital and assets.

[@akashkandpal1832]

What is the difference bro

[@avanishkumar2766]

@@akashkandpal1832 capital is liability

[@jeetusharma3292]

Capital =Assets-Liabilities​@@akashkandpal1832

[@shubhammondal2410]

Thank you ma'am for the highlights session. How Home work ques answers are 1. Option 5-- 13% 2. Option 3-- 16.8% And the suggestion is pls take the FSR in one whole session. Thank you 😊

[@kritikasharma7938]

You are most welcome Shubham Regards, Kritika

[@AbhayKumar-cs6fc]

Thank you, ma'am, Q1. E Q2. C

[@kritikasharma7938]

You are most welcome Abhay Regards, Kritika

[@asr1736]

Thanks for this session mam. One question, mam aap ab RBI notifications and press releases ke monthly revision sessions nhi karoge kya???

[@kritikasharma7938]

Hello ASR The team is making the plan to continue those sessions. We will soon be coming up with those. Regards, Kritika

[@asr1736]

@@kritikasharma7938 thanks ma'am. Those sessions are so relevant atleast till sep.

[@priyav5394]

Thank you for the session mam.. 1. 5, 2. 3

[@kritikasharma7938]

You are most welcome Priya Regards, Kritika

[@Rhyythmrajdev12312]

Well explained. Tysm mam❤

[@kritikasharma7938]

You are most welcome Rhyythm Regards, Kritika

[@krutikalove]

Was helpful

[@atulyatathagata3605]

Ma'am,we also did the FSR for Dec .How much of relevance that report has now wrt RBI grade B exam now that the new report for June is released?

[@EduTap]

Hello Atul As the FSR June 2024 is released the previous one is not relevant now. Regards, Kritika

[@revatipatil8501]

Thank you so much mam❤❤❤

[@kritikasharma7938]

You are most welcome Revati Regards Kritika

[@rahulraturi9741]

1- Option 5 ( 13% ) 2- Option 3 ( 16.8% )

[@srinivassavitala9939]

What is provision ???

[@ArjunD-xe8wb]

Thank you maam

[@kritikasharma7938]

You are most welcome Arjun Regards Kritika

[@Aditii_0708]

Ques 1 Option 5 13.0% Ques 2 Option 3 16.8%

[@ritikamehta2183]

Thank you so much mam for the wonderful session and Great Explanation as always🔥 Ans: Q1: (5) 13% Q2: (3) 16.8% Does NBFC's have to maintain CCB or is it included in 15% of CRAR itself?

[@kritikasharma7938]

Hello Ritika The CRAR for NBFCs is 15%. The CCB for NBFCs is not mentioned. Regards Kritika

[@ritikamehta2183]

@@kritikasharma7938 Hello Kritika Mam

[@ritikamehta2183]

@@kritikasharma7938 Mam kindly resolve this query plz

[@kritikasharma7938]

The reply is getting deleted 😅 Now I hope its clear I had added a link of RBI website where you can see that for the given NBFCs CRAR is taken as 15% and no mention of CCB is done but the link is getting deleted by KZbin. Check the Article of PCA for NBFCs where the 15% is mentioned as CRAR with no mention of CCB. Regards, Kritika

[@ritikamehta2183]

@@kritikasharma7938 Okay, Thank you so much mam for the clarification 😊

[@Saurabh_Rana]

Why 2023 gdp growth rate is not same in both reports. 2023 is passed away.

[@samajh_me_aaya]

One is estimated and another is revised one

[@shiwangijoshi2258]

good session mam, kya ab dec month ki financial stability report krna jruri hai ? jo apne krayi thi dec 2023 ki pls tell me mam

[@kritikasharma7938]

Hello Shiwagi Thanks for writing to us. You have to focus on the recent report. Regards, Kritika

[@niteshgahlawat7322]

single part for FSR session

[@rushi.nagare6743]

Thank you mam Ans 1)5 2)3

[@kritikasharma7938]

You are most welcome Rushi Regards, Kritika

[@shikhabhalavi2625]

1-5 2-3

[@parasthakur9406]

1- e 2- c

[@riyadeb7618]

1.e 2.c Thankyou ma'am

[@kritikasharma7938]

You are most welcome Riya Regards, Kritika

[@komalverma6123]

Ans 1. 13% Ans 2. 16.8%

[@prateek_agrawal70]

ma'am what do we mean when we say the risk weight on particular loan is 125% ? please explain little bit

[@abhaykarade6780]

If you mean Capital to risk weight then 125% means that if the bank has given ₹100 as a loan then it is keeping ₹125 as provision against that loan.

[@prateek_agrawal70]

@@abhaykarade6780 why bank will give provision more than the loan ?

[@abhaykarade6780]

@@prateek_agrawal70 off course they will not keep that much percent I said that just because you asked the 125% CRAR, in general banks have to keep minimum 11.5% of CRAR

[@prateek_agrawal70]

@@abhaykarade6780 got it bro thanks. I was confused because ma'am mentioned that statement at some point of time in this class.

[@sourishnandi5023]

Thank you so much Mam.. for the wonderful session.❤ One query mam, when will you take the revision session ? Also, will there be the monthly RBI notifs revision session, the ones you take at evening ? 1.E 2.C

[@kritikasharma7938]

Hello Sourish I will take the FSR complete session in next week and then after that revision session will be taken. We are planning the revision sessions so It will be announced soon. Regards, Kritika

[@sourishnandi5023]

​@@kritikasharma7938Ok Mam.. thank you🤗

[@kritikasharma7938]

@@sourishnandi5023 You are most welcome Sourish Regards, Kritika

[@aprajitathakur6200]

Full session

[@titiksharajvansh8740]

13.0 16.8

[@Nancy.308]

1.5 2.3

[@shreyastrivedi77]

5,3🎉

[@tamizharasimurugasan]

13

[@tamizharasimurugasan]

16.8