Introduction Interest rate risk (IRR) refers to the potential adverse impact on a bank’s financial performance and economic value resulting from fluctuations in market interest rates. Such risk primarily affects a bank’s net interest income (NII) and the valuation of its financial assets and liabilities. Effective IRR management is essential for safeguarding both short-term profitability…
Introduction Interest rate risk (IRR) refers to the potential decline in the value of financial assets—primarily bonds—due to unexpected changes in interest rates. For banks, managing IRR is critical to ensuring financial stability, profitability, and compliance with regulatory standards. Effective IRR management aims to maintain a bank’s risk exposure within acceptable limits across a range…
**Introduction** Liquidity risk represents a critical concern for banks, referring to the risk of being unable to meet financial obligations as they fall due, without incurring unacceptable losses or damage to reputation. Sound liquidity risk management ensures a bank’s ability to fund increases in assets and meet obligations as they come due, even under stressed…
Introduction Liquidity risk arises when a bank is unable to meet its financial obligations as they become due, thereby adversely affecting its financial stability. Effective liquidity risk management ensures that a bank maintains adequate funds to meet its obligations in a timely manner, thereby minimizing the likelihood of financial distress. This is particularly important because…
The conformed All India Average Consumer Price Index for Industrial Workers (Base 1960=100) for the quarter ended June 2025 are as follows. April 2025 May 2025 June 2025 143.50 144 145 432.5/3 =144.16 Average less 123.03=21.13 The average CPI for the above is 144.16. Hence the DA payable for the months of August, September and…
The conformed All India Average Consumer Price Index for Industrial Workers (Base 1960=100) for the quarter ended June 2025 are as follows. April 2025 May 2025 June 2025 143.50 144 145 432.5/3 =144.16 Average less 123.03=21.13 The average CPI for the above is 144.16. Hence the DA payable for the months of August, September and…
The conformed All India Average Consumer Price Index for Industrial Workers (Base 1960=100) for the quarter ended June 2025 are as follows. April 2025 May 2025 June 2025 143.50 144 145 432.5/3 =144.16 Average less 123.03=21.13 The average CPI for the above is 144.16. Hence the DA payable for the months of August, September and…
The conformed All India Average Consumer Price Index for Industrial Workers (Base 1960=100) for the quarter ended June 2025 are as follows. April 2025 May 2025 June 2025 143.50 144 145 432.5/3 =144.16 Average less 123.03=21.13 The average CPI for the above is 144.16. Hence the DA payable for the months of August, September and…
Category Basic Pay/Slabs DA Rate (%) 1. Prior to 1-11-92: Current Slabs 2219 BP up to Rs. 1250 1486.73 BP: Rs. 1251–2000 1486.73 BP above Rs. 2000 1486.73 2. Retired on or after 1-11-92 up to 31-03-98: Current Slabs 2082 BP up to Rs. 2400 728.7 BP: Rs. 2401–3850 728.7 BP above Rs. 3850 728.7…
Definition and ImportanceLiquidity management refers to the strategic process by which an organization, particularly a financial institution, ensures the availability of sufficient cash or easily convertible liquid assets to meet its short-term financial obligations. This involves maintaining an optimal balance between holding enough cash to manage day-to-day operations and maximizing returns on surplus funds through…
