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.

hi friends Any one has given LIC Assistant Exam Previously which was held on 2009?Is there any negative marking? Please answer this question those who have given this exam.

1780

---

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

2895

---

if anybody has any idea regarding pnb it officer banking domain interview please share.their criteria was graduation +1yr experience in finacle.it is very difficult to guess.also a total of 1585 names are shortlisted for just 227 posts.if anybody has any information regarding increase in no of vaccancies please inform me @ suswjj@yahoo.co.in

2394

---

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.....

2073

---

Hi All If any one of you wanna banking related interview preparation then contact me on pksingh1512@gmail.com. Currently i am located in Navi Mumbai-Vashi

2400

---

i m in obc category and i have the obc certificate of 2001 and 2-6-11 but the bank require the obc certificate after 1-4-2010 and before 31-12-2010 what should i do? Reply me on my id nirmal.cool786@gmail.com or here as early as possible pls

2088

---

can any bank PO aspirant tell me what should be the ideal answer to these questions asked usually in interview. 1.why banking 2.how commerce can help in banking 3.As I am a commerce graduate i want to know what to prepare in subject or what are questions generally related to account subject asked in bank po interview.please help me friends .reply as soon as possible. if U could suggest me i on any above questions i would be really grateful to U

2349

---

I have been selected for the interview of technical officer(Civil Engg.) in Syndicate bank. For what kind of interview questions should I prepare and what should be my approach for the interview? Would they ask about banking technical too as I am being selected for the post being specialised in Civil Engg.?

2922

---

I have Called fr SBI PO interview will u plz suggest wat kind of questions are asked i m already working in SBI as Assistant.

2277

---

hi i want to know the model papers for bank exams clerical cader.

2107

---

hi plz help me i m filling sbi asso po biodata form what should i write in the subject studied coloumn where they have asked about the semester marks as there is not enough space even to write the shor form of the subject in a semester plzz help

4492

---

Question Bank exam for - Porbationary officer model qustion papers I want Please send by email id. as soon as possible

2333

---

i applied for specialist officcers ibps .in that exam what they will ask about proffessional knowladge

2891

---

hi.......i have attempted syndicate bank po exam on 29.08.10.i have done 80% in apps,reason,computer,english.i have done only 50% in general awareness?Is it enough to clear the exam

2631

---

what is the expected answer in bank Po interview when the panel member asks why are you interested in banking?

2758

---