IMI New Delhi MOB HO 1 Dr Deepak Tandon

The following is the data given for XYZ National Bank for FY ending 31.03.2022 ( Rs Cr )

Bill for collection 18.10

All figures in Crores Dr Cr
Acceptance & Other 14.12
Share capital 198.00
endorsements
19,80,000 shares of Rs 10 each
Claims against the Bank not 0.55
acknowledged as debt Statutory reserves 231.00
Depreciation Charges – 1.10 Net Profit before appropriation 150.00
Premises Profit and Loss account 412.00
Furniture 0.78 Fixed deposit account 517.00
Savings Deposit account 450.00
Current accounts 28.00 520.12
50% of the Term Loans are secured by Bills payable 0.10
government guarantees Cash credit 812.10
Borrowings from other banks 110.00
10% of Cash Credit is unsecured . Transfer 25% Cash in hand 160.15
of the profit to the reserve fund Cash with RBI 37.88
Cash with other Banks 155.87
NOTE : Cash reserve is required as on 4.5% of Money at call 210.12
NDTL ;Liquid reserves required 18 % of NDTL Gold 55.23
Government securities 110.17
Premises 155.70
Furniture 70.12

(I) As per Sch 3 Calculate total deposits CA + SB + FD = Rs

1487.12 Cr
(II) What is CRR required ? As given is 4.5 % = 1487.12 X 4.5 %
= 66.92 Cr
(III) Is the position of CRR satisfactory? No . Required 69.92
given is 37.88 need 30.96 to be given to RBI to maintain CRR
(IV) Total Liquid assets ? = Cash + Money at Call + Gold + GOI
securities = Rs 691.54
(V) What is excess or deficit liquidity of the Bank in terms of SLR ?

SLR = Liquid assets / NDTL X100

Liquid assets = SLR X NDTL X 100
Given is 18 % SLR
18 % X 1487,12 = 267.68 Cr

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