Free notes, textbooks, and exam-focused resources designed for Indian banking professionals.
Profit maximization and wealth maximization are two different financial strategies that aim to increase a company’s value, but they do so in different ways. In economics, profit maximization is a…
There are two possibilities in a bank account maintained by a customer viz. (i) a deposit account is opened in a bank with a valid nomination or with the survivorship…
Based on the Reserve Bank of Indi (RBI) advisory, Indian Bank’s Association (IBA) had circulated a Model Operational Procedure (MOP) for settlement of claims of deceased depositors. IBA had also…
Solvency is defined as the ability of an individual or entity to meet long-term financial commitments. A solvency certificate is a most important document that provides information about the financial…
Commercial Banks extend varieties of credit facilities to different types of customer viz. Individual, Sole Proprietor, Partnership firm, HUF, Trust, Club, Societies, Association, Limited Company, Public Sector Undertaking, Consortium advance…
The slippage ratio in banking is a measure of the rate at which a bank’s good loans turn into non-performing assets (NPAs). It is the ratio of new NPAs to…
The term ratio means a simple division of one number by another. It is measured by the number of times one number is contained by the other, either integrally or…
‘Capital Instruments’ means monetary instruments in capital markets such as equity shares, debentures, preference shares and share warrants issued by a company. Indian companies are permitted to raise money by…
[Cash Budget pattern of financing seasonal productions like sugar, tea, and construction activities] The request for financial assistance from business enterprises dealing in seasonal products like sugar, tea, construction activities,…
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