New bank ltd has an authorised capital of Rs 3000 cr and a paid up capital of Rs 1500 crore.

It
has reserves of Rs 350 cr, deposits of Rs 22300 cr (sb 5300 cr and 17000 cr) and has borrowed
Rs 1200 cr in the call money mkt. It has loans and advances of rs 18,500 cr (9000 cr AAA 5500
cr AA rated and balance unrated) it also has investments of rs 4500 cr (gsecs 3000 cr, bonds 1000
cr AA rated and shares unrated 500 cr), has lent Rs 1500 cr in the call money and balance is cash.
Draw up the balance sheet, critically examine the banks operations as reflected in its b/s and see
whether the bank complies with 9% crar as specified under basle norms. Does the bank need to
raise addl capital? If so how much and of what kind.
Risk wts 100 for AAA 150 for AA and 200 for unrated. Of the Gsec portfolio, Rs 2500 is in the
held to maturity category.