Banking most important terminology for Bank- PO exam
BANK-PO exam related important terminology (article-1)
Fiscal policy- eske dwara gov. Of India Indian economy ko control karti hai. Inflation ki condition me ye direct tax me decrease karti hai.
India me Inflation ko WPI(whole sale price Index) she measure kiya jaata hai
Monetary Policy- iske dwara RBI indian economy ko control karti hai. Inflation me case me ye apni rate of interest increase kar deti hai our deflation ko control karne ke liye apne rate of interest decrease kar deti hai
Bank Rate(BR)- ve rate of interest jisse RBI commercial banks ko 90 ya 90 we jyada ke liye loan provide karti hai use bank rate kaha jata hai. is par Milne vala loan Long term loan kaha jaata hai. Iski rate abhi 9.7% chal rahi hai.eske anusar bank adhar dar she kam par interest rate par karj nahi de jakti. Staff our prathmik krishi chhetra ko chhod kar.
Repo Rate (RR)- ve rate if interest jise RBI commercial banks ko maximum 89 ya 89 day se kam dino ke liye loan provide karti hai use Repo rate kaha jaata haiispar Milne vala loan short term loan kaha jaata hai iski rate abhi 6.25% hai.
MSF(marginal standing facility)- ve rate of interest jisse RBI commercial bank ko 1 day ka urgent loan provide karwati hai use MSF kaha jaata hai
OMP(open market operation)- jab RBI government securities ke dwara market me liquidity ko control karti hai to use open market operation kaha jaata hai.
Net demand and term liabilities- demand and term liabilities me WO amount aata hai Jo bank me customer ne paise jama karaya to customer ka asset huaa and bank ko use pay karna hai to WO bank ko liability hue demand wale me saving account and current account hote hai our net demand me FD(fixed deposit), RD(recurring deposit) hai
Reverse Repo Rate(RRR)- alpakalin avadhi me liye RBI dvara commercial banko she jis byaj dar par nagdee prapt ki jati hai use reverse repo rate kahte hai.
CRR(cash Reserve Ratio)- ve rate of percent jib par commercial bank ko minimum cash RBI ke pas aavasyak rup se rakhani padti hai, CRRPar RBI commercial bank ko koi interest nahi deta hai, bank second and fourth Friday ko CRR maintain karti hai.
SLR- jab koi financial institution apni net demand and term liabilities ko ek fixed percent part apne pass cash, gold, government security, equity share ke form me rakhte hai to use SLR kahte hai, SLR ki minimum limit samapt kar di hai. Maximum limit 40% se 23% hai. Bank SLR second and fourth Friday ko maintain karti hai.
Jab CRR and SLR me decrease kar diya jata hai to market me liquidity increase ho jata hai eske biparit jab CRR and SLR me increase kar diya jata hai to market me liquidity decrease ho jata hai.
CAR( capital adequacy Ratio)- jab bank risk ko cover karne ke liye apne net demand and term liabilities ko ek fixed part apne pas rakhte hai to isse CAR kahte hai ( CAR ki recommendation BASEL committee ki thi.
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