uQ,H moaO;s iólaIKh

Nd;sh fyÜáwdrÉÑ
mdvï wxl 04

Google Classroom

Institute of Bankers of Sri Lanka Google Classroom

 uQ,H moaO;s iólaIKh
mdvï wxl 04

 uqo,a ixirKh iy uy nexl=j

 uqo,a iemhqu , uqo,a ueùu iy uqo,a iemhqï idOl

 uqo,a iuia; (mokï uqo,a , mgq uqo,a iy mq¿,a uqo,a iemhqu)

 uqo,a b,a¨u , uqo,a b,a¨ï fÉ;kd

 WoaOukh iy uqof,a l%h Yla;sh

Institute of Bankers of Sri Lanka Google Classroom

 uqo,a ixirKh yd uqo,a iemhqu

 uqo,a ixirKh hkq úúO ld¾Hhka i|yd uqo,a Ndú;d lsÍu fõ' uy nexl=j úiska ksl=;a
lrk j,x.= uqo,a wd¾Ólfha úúO tall jk rch" uyckhd" jHdmdßl wdh;k"
úfoaYslhka iy nexl= w;r .kqfokq i|yd ixirKh fõ‘'

 uqo,a wd¾Ólfha uyckhd" nexl= iy rch w;r ksr;=rej ixirKh fõ‘'

 hï wjia:djl fufia uyckhd w;r ixirKh fjñka mj;sk uqo,a m%udKh uqo,a iemhqu
f,i ye¢kaúh yelsh'

Institute of Bankers of Sri Lanka Google Classroom

 uy nexl=j úiska j,x.= uqo,a ksl=;a lrkafka l=uk j;alï mokï lrf.ko @

Y=oaO foaYSh j;alï

mokï uqo,a
jHjydr uqo,a
uy nexl=fj j.lSu

Y=oaO úfoaYSh j;alï

Institute of Bankers of Sri Lanka Google Classroom

 2018 2019
Assets Assets

Y=oaO foaYSh j;alï Y=oaO úfoaYSh j;alï Y=oaO foaYSh j;alï Y=oaO úfoaYSh j;alï
(NDA) : 210.6 (NFA) : 750.5 (NDA) : 36.6 (NFA) : 896

Liability Liability

mokï uqo,a : 961.1 mokï uqo,a : 932.6

Institute of Bankers of Sri Lanka Google Classroom

 mokï uqo,a j, ixhq;sh

- uyckhdi;= ldis yd fkdaÜgq

- nexl= i;= ldis yd fkdaÜgq

mokï uqo,a
uy nexl=fj j.lSu - uynexl=fõ w;s rdcH ksfhdað; wdh;k ;ekam;=

- uy nexl=fõ we;s nexl=j, ;ekam;=

Institute of Bankers of Sri Lanka Google Classroom

Institute of Bankers of Sri Lanka Google Classroom
 uqo,a iemhqï idOl
 uy nexl=j úiska rgg uqo,a ksl=;a lsÍug fya;= jk m%Odk idOlhka olajkak

- uy nexl=j rchg Kh §u

- uy nexl=j jdKsc nexl= j,g Kh §u

- uy nexl=j úfoaY úksuh ñ,g .ekSu

 rfÜ ixirKfha mj;sk uqo,a ixirKfhka bj;a ù kej; uy nexl=jg ,eîug fya;=
jk idOl olajkak'

- uy nexl=jg rch Kh f.úu

- jdKsc nexl= úiska uy nexl=jg Kh f.úu

- uy nexl=j úfoaY úksuh úlsKSu

Institute of Bankers of Sri Lanka Google Classroom

 Grant Loan  Issue Money
Loans to
Government

Grant Loan  Issue Money

Loans to Bank

Pay Loan : Money In

Pay Loan : Money In

Grant Loan  Issue Money  Assets Liability

Pay Loan  Money In  Assets Liability

Institute of Bankers of Sri Lanka Google Classroom

 Give USD to a Bank Commercial
Bank Buy USD

Issue Money – Give LKR to a Bank

Commercial
Bank Sell USD

Bank Pay LKR to CBSL – Money In

Bank Pay USD to CBSL

Give USD to Bank Foreign Assets Liability

Get USD to Bank Foreign Assets Liability

Institute of Bankers of Sri Lanka Google Classroom

 uqo,a iemhqï idOl
 uy nexl=j úiska rgg uqo,a ksl=;a lsÍug fya;= jk m%Odk idOlhka olajkak

- uy nexl=j rchg Kh §u

- uy nexl=j jdKsc nexl= j,g Kh §u

- uy nexl=j úfoaY úksuh ñ,g .ekSu

 rfÜ ixirKfha mj;sk uqo,a ixirKfhka bj;a ù kej; uy nexl=jg ,eîug fya;=
jk idOl olajkak'

- uy nexl=jg rch Kh f.úu

- jdKsc nexl= úiska uy nexl=jg Kh f.úu

- uy nexl=j úfoaY úksuh úlsKSu

Institute of Bankers of Sri Lanka Google Classroom

 mokï uqo,a flfrys n,mdk idOl

 uy nexl=j úiska nexl= iy rch iuÕ úfoaY úksuh .kqfokq lsÍu ^ñ,§ .ekSu $ úlsKSu&
uy nexl=j úfoaY úksuh ñ,g .ekSu => mokï uqo,a
uy nexl=j úfoaY úksuh úlsKSu => mokï uqo,a

 uy nexl=j rchg Kh §u
uy nexl=j rchg Kh ÿka úg => mokï uqo,a
uy nexl=j rch Kh f.jk úg => mokï uqo,a

 uy nexl=j jdKsc nexl= j,g Kh §u

jdKsc nexl=j,g Kh ÿka úg => mokï uqo,a
jdKsc nexl= Kh f.jQ úg => mokï uqo,a

Institute of Bankers of Sri Lanka Google Classroom

 uqo,a ueùu mokï uqo,a w;e;s uqo,a Statutory Reserve ratio (SRR) 10%
Rs. 1,000 Rs. 200
Excess Reserve Ratio (ERR) 05%

Bank A ;ekam;=
Rs. 800 SRR : Rs. 80 ERR : Rs. 40

w;e;s uqo,a
Kh Rs. 680 Rs. 180

Bank B ;ekam;=
Rs. 500
SRR : Rs. 50 ERR : Rs. 25

w;e;s uqo,a
Kh Rs. 425 Rs. 25 • w;e;s uqo,a tl;=j : 405
• nexl= ;ekam;= j, tl;=j : 1700
Bank C ;ekam;= • ixirKfh we;s uqo,a j, tl;=j : 2105
Rs. 400

Institute of Bankers of Sri Lanka Google Classroom

 uqo,a ueùu

• w;e;s uqo,a tl;=j : 405

mokï uqo,a
Rs. 1,000 • nexl= ;ekam;= j, tl;=j : 1700
• ixirKfh we;s uqo,a j, tl;=j : 2105

mokï
• w;e;s uqo,a tl;=j : 405
uqo,a nexl= l%uh
Rs. 1,000 • nexl= ;ekam;= j, tl;=j : 1700

;ekam;= Kh

Institute of Bankers of Sri Lanka Google Classroom

 • w;e;s uqo,a tl;=j : 405
mokï uqo,a • nexl= ;ekam;= j, tl;=j : 1700
Rs. 1,000
• ixirKfh we;s uqo,a j, tl;=j : 2105

uqo,a iemhqu
Rs. 2105
mokï uqo,a
fldmuK .=Khlska 2.105
jArOkh jQfhao @ .=Khlska
mokï uqo,a jArOkh jS we;
Rs. 1,000

uqo,a iemhqu
uqo,a .=Klh }
mokï uqo,a

Institute of Bankers of Sri Lanka Google Classroom

 uqo,a .=Klh

uqo,a iemhqu
• uqo,a .=Klh }
mokï uqo,a

• uqo,a .=Kl wdlD;sh .Ks;uh whqßka m%ldY lrkak'

uqo,aiemhqu (M) = uqo,a .=Klh (m) X mokï uqo,a (B)

M = m x B
M = m x B

• uqo,a .=Klh flá ld,fha § ia:djr hehs Wml,amkh l<fyd;a

M = B

Institute of Bankers of Sri Lanka Google Classroom

 uqo,a .=Klh
• uqo,a .=Klh 5'5 kï mokï uqo,a re' 1000$} ksl=;a l< úg l=ula isÿfõo @

M = m x B

M = 5.5 x 1000

M = 5500

Institute of Bankers of Sri Lanka Google Classroom

 2019 2020

m (2019) = 7624.1/932.6 m (2020) = 9405.7/964.4

8.18 = 9.75

Institute of Bankers of Sri Lanka Google Classroom

Institute of Bankers of Sri Lanka Google Classroom
 • uy nexl=j úiska nexl= iy rch iuÕ úfoaY úksuh
.kqfokq lsÍu ^ñ,§ .ekSu $ úlsKSu&
uqo,a iemhqu
• uy nexl=j rchg Kh §u'

• uy nexl=j jdKsc nexl= j,g Kh §u'

mokï uqo,a • uy nexl=fõ m%;sñ,§ .ekqï .súiqï

• uy nexl=fõ fjk;a Y=oaO j;alï

• uy nexl=fõ ,dN
uqo,a iemhqu
• uy nexl= iq/l=ïm;a ksl=;=j

• ldis yd fkdaÜgq Ndú;h

uqo,a .=Klh • nexl=j, b;=reï

• jHjia:dms; ixÑ; wkqmd;h (SRR)

Institute of Bankers of Sri Lanka Google Classroom

 uqo,a .=Klh iólrKhla f,i olajkak

by; ´kEu idOlhla by< hk úg uqo,a .=Klfha w.h my< hhs'

Institute of Bankers of Sri Lanka Google Classroom

 ;ekam;= j, uqo,aNdjh

 ;ekam;=jla uÕska uqof,a ld¾Hh bgq lsÍug we;s yelshdj ;ekam;= j, uqo,aNdjh f,i
ye¢kafõ'

Wod ( b;=reï ;ekam;= j, uqo,a Ndjh ia:djr ;ekam;= j,

uqo,a Ndjhg jvd jevsh

b,a,qï ;ekam;= j, uqo,a Ndjh b;=reï ;ekam;= j,

uqo,a Ndjhg jvd jevsh

Institute of Bankers of Sri Lanka Google Classroom

 uQo,a iuia; (Monetary Aggregates)

• ixÑ; uqo,A ( uyckhd fj;e;s jHjydr uqo,a + jdKsc nexl= fj;e;s jHjydr uqo,a +
uy nexl=j fj;e;s jdKsc nexl= ;ekam;= + uy nexl=j fj;e;s rdcH
ksfhdað; wdh;k j, ;ekam;=

• mgq uqo,a iemhqu ^M1& ( uyckhd i;= jHjydr uqo,a + jdKsc nexl= fj;e;s uyckhd i;=
b,a¨ï ;ekam;=

• mq¿,a uqo,a iemhqu ^M2& ( mgq uqo,a iemhqu ^M1& + uyckhd i;= jdKsc nexl= fj;e;s
ld,Sk iy b;=reï ;ekam;=

• mq¿,a uqo,a iemhqu ^M2b& ( mq¿,a uqo,a iemhqu ^M2& + .e,mqï lrk ,o úfoaY jHjydr
uqo,a ;ekam;=

Institute of Bankers of Sri Lanka Google Classroom

 uQo,a iuia; (Monetary Aggregates)

Institute of Bankers of Sri Lanka Google Classroom

 mqoa.,fhla <Õ ;nd.kakd uqo,a m%udKh fyj;a uqo,a b,a¨ug n,mdk
fÉ;kd $ wruqKq fudkjdo @

 .kqfokq fÉ;kdj

 mQ¾fjdamdh fÉ;kdj

 iufmaCIK fÉ;kdj

Institute of Bankers of Sri Lanka Google Classroom

 m%Odk uqo,a b,a¨ï idOl fudkjdo @

 wdodhï uÜgu

 uqo,a fkdjk uQ,H j;alïj, M,od wkqmd;h

 wfmaCIs; WoaOukh

Institute of Bankers of Sri Lanka Google Classroom

 Liquidity Preference Theory

Institute of Bankers of Sri Lanka Google Classroom

 WoaOukh hkqfjka y÷kajkafka l=ulao @

 hï ld, mrsÉfPAohla ;=, fmdoq us, uÜgu wLkavj by, hdu WoaOukh hkqfjka
ye\skAúh yel

https://www.cbsl.gov.lk/en/economic-and-statistical-charts/inflation

Institute of Bankers of Sri Lanka Google Classroom

 WoaOukfha wys;lr m%;sM, myokak'

 uqof,a l%h Yla;sh ySk lsrSu ;=, uqof, wd¾Ól ld¾HNdrhka isÿ lsÍug ndOd lsrSu

 ia:djr wdodhï ,nkakkaf. l%h Yla;sh ySk ùu iy tA ;=, Tjqkaf. cSjk ;;ajh my, hdu

 ksIamdok idOl j, us, by, hdu iy jevs jegqma b,a,Su ;=, ksIamdolhka wffOArhu;a ùu

 uQ,H j;alï j, jgskdlu wvq ùu ;=, wdfhdclhka wffOArhu;a ùu

 Kh .kakka jdis ,enSu iy Kh fokakka mdvq ,enSu' Kh oSu wffOArhu;a ùu

 fjkia jk us, .ek b.kSug ld,h , Y%uh iy msrsjeh jeh ùu

 b;=reï wffOArhu;a ùu

 wia:djr Ndjh ;=, os.=ld,Sk wdfhdck j,g t,nSug wffOArhu;a ùu

Institute of Bankers of Sri Lanka Google Classroom

 wjOukh hkq l=ula±hs olajd th wd¾Ólhg iqn ±hs myokak'

 hï ld, mrsÉfPAohla ;=, fmdoq us, uÜgu wLkavj my< hdu wjOukh hkqfjka
ye\skAúh yel

 fuh ksIamdolhka wffOArhu;a lrhs

 md,s; mqfrdAl:kh l< yels iqt jYfhka mj;sk WoaOukh ksIamdolhka ffOArhu;a lrhs

Institute of Bankers of Sri Lanka Google Classroom

 WoaOukh uQ,H m%mxphls' uqo,a yd WoaOukh w;r iïnkaOh úYaf,aIKh lsÍug
jeo.;a jk *sI¾ iólrKh $ úksuh iólrKh $ uQ,H m%udKjd§ iólrKh

 uQ,H m%udKjd§ iólrKh (Quantity Theory of Money) # MV = PT

M = uqo,a f;d.h (Money Supply)

V = uqo,a ixirK m%fõ.h (Velocity of Money)

T = .kqfokq m%udKh (Volume of Transactions)

P = ñ, uÜgu (Average Price Level)

V iy T fláld,fha§ ia:djr hehs ie,l= úg  M =  P

https://youtu.be/q59tZKP0HME

https://youtu.be/PB2S5U5IHlk

Institute of Bankers of Sri Lanka Google Classroom

Institute of Bankers of Sri Lanka Google Classroom
 bf.kqï l%shdldrlï
Rs. (Billions)
uyckhd fj;e;s jHjydr uqo,a 494.2
jdKsc nexl= fj;e;s jHjydr uqo,a 183.8
uy nexl=j fj;e;s rdcH ksfhdað; wdh;k j, ;ekam;= 0.1
uy nexl=j fj;e;s jdKsc nexl= ;ekam;= 254.6
jdKsc nexl= fj;e;s uyckhd i;= b,a¨ï ;ekam;= 371.3
uyckhd i;= jdKsc nexl= fj;e;s ld,Sk iy b;=reï ;ekam;= 7,318.6
.e,mqï lrk ,o úfoaY jHjydr uqo,a ;ekam;= 909.9
m%jAr;k fj<\ us,g o, foaYSh ksIm
a dokh 15,000

1 ixÑ; uqo,A .Kkh lrkak

2 mgq uqo,a iemhqu ^M1& .Kkh lrkak

3 mq¿,a uqo,a iemhqu ^M2b& .Kkh lrkak

4 uqo,a ixirK m%fõ.h .Kkh lrkak

5 WoaOukh uÕska uqof,a wd¾Ól ld¾HNdrhka isÿ lsÍug ndOd lrkafka flfiao @

Institute of Bankers of Sri Lanka Google Classroom