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Questions and Answers
If Bank of Maharashtra's provisional advances increased significantly in 3QFY25, which of the following would be the most likely short-term effect, assuming the funding for these advances came from existing deposits?
If Bank of Maharashtra's provisional advances increased significantly in 3QFY25, which of the following would be the most likely short-term effect, assuming the funding for these advances came from existing deposits?
- An increase in the bank's risk-weighted assets, potentially affecting capital adequacy ratios. (correct)
- A reduction in the bank's operating expenses due to streamlined lending processes.
- A decrease in the bank's net interest margin due to higher funding costs.
- An increase in the bank's liquidity ratio as more cash is deployed.
Which of the following scenarios would pose the greatest risk to Bank of Maharashtra's profitability related to its provisional advances and deposits?
Which of the following scenarios would pose the greatest risk to Bank of Maharashtra's profitability related to its provisional advances and deposits?
- Increased competition from other banks leading to a slight reduction in deposit interest rates.
- A rapid increase in non-performing assets among the provisional advances portfolio, coupled with a decrease in deposit inflows. (correct)
- Government regulations requiring higher provisioning for standard assets across the banking sector.
- A stable interest rate environment with consistent deposit growth.
Assuming a constant Cost of Funds, how would a shift in the deposit mix towards a higher proportion of term deposits impact Bank of Maharashtra's Net Interest Margin (NIM)?
Assuming a constant Cost of Funds, how would a shift in the deposit mix towards a higher proportion of term deposits impact Bank of Maharashtra's Net Interest Margin (NIM)?
- NIM would increase as term deposits usually have lower interest rates compared to savings accounts.
- NIM would decrease as term deposits usually have higher interest rates compared to savings accounts. (correct)
- NIM would remain unchanged as the Cost of Funds is constant.
- The impact on NIM cannot be determined without knowing the exact interest rates and proportions.
Bank of Maharashtra is considering increasing its lending to small and medium enterprises (SMEs) to boost provisional advances. Which of the following factors should the bank prioritize to ensure sustainable growth and profitability?
Bank of Maharashtra is considering increasing its lending to small and medium enterprises (SMEs) to boost provisional advances. Which of the following factors should the bank prioritize to ensure sustainable growth and profitability?
If Bank of Maharashtra experiences a sudden surge in deposit inflows in 3QFY25 without a corresponding increase in lending opportunities, what is the most appropriate action the bank should take to manage its funds effectively?
If Bank of Maharashtra experiences a sudden surge in deposit inflows in 3QFY25 without a corresponding increase in lending opportunities, what is the most appropriate action the bank should take to manage its funds effectively?
What was the approximate growth in Gross Advances (YoY) for Bank of Maharashtra in 2QFY24?
What was the approximate growth in Gross Advances (YoY) for Bank of Maharashtra in 2QFY24?
If Bank of Maharashtra aims to achieve a 25% YoY growth in deposits by 3QFY26, what approximate deposit amount (in INR Crores) would they need to reach, assuming the 3QFY25 deposit amount remains constant?
If Bank of Maharashtra aims to achieve a 25% YoY growth in deposits by 3QFY26, what approximate deposit amount (in INR Crores) would they need to reach, assuming the 3QFY25 deposit amount remains constant?
Which of the following statements accurately compares the CASA ratio of Bank of Maharashtra between 3QFY23 and 3QFY25?
Which of the following statements accurately compares the CASA ratio of Bank of Maharashtra between 3QFY23 and 3QFY25?
In which of the following periods did Bank of Maharashtra experience the highest YoY growth in Deposits?
In which of the following periods did Bank of Maharashtra experience the highest YoY growth in Deposits?
What was the approximate increase in Deposits (INR Crs) from 2QFY24 to 3QFY24 for Bank of Maharashtra?
What was the approximate increase in Deposits (INR Crs) from 2QFY24 to 3QFY24 for Bank of Maharashtra?
What approximate percentage of total Deposits were represented by CASA deposits in 2QFY25?
What approximate percentage of total Deposits were represented by CASA deposits in 2QFY25?
Assuming the trend from 1QFY25 to 3QFY25 continues, would you expect the CASA ratio in 1QFY26 to be higher or lower than 49.3%?
Assuming the trend from 1QFY25 to 3QFY25 continues, would you expect the CASA ratio in 1QFY26 to be higher or lower than 49.3%?
What was the approximate absolute increase in Gross Advances (INR Crs) from 3QFY22 to 3QFY25 for Bank of Maharashtra?
What was the approximate absolute increase in Gross Advances (INR Crs) from 3QFY22 to 3QFY25 for Bank of Maharashtra?
Which of the following is closest to the average YoY growth in Gross Advances for FY23 and FY24?
Which of the following is closest to the average YoY growth in Gross Advances for FY23 and FY24?
What was the approximate difference in YoY growth of Deposits between 1QFY24 and 3QFY24?
What was the approximate difference in YoY growth of Deposits between 1QFY24 and 3QFY24?
If the Gross Advances growth rate for 1QFY25 were to continue for the next three quarters, what would be the approximate Gross Advances (INR Crs) at the end of 1QFY26?
If the Gross Advances growth rate for 1QFY25 were to continue for the next three quarters, what would be the approximate Gross Advances (INR Crs) at the end of 1QFY26?
During which of the following periods did Bank of Maharashtra demonstrate the highest QoQ growth in Gross Advances?
During which of the following periods did Bank of Maharashtra demonstrate the highest QoQ growth in Gross Advances?
If Bank of Maharashtra wants to achieve a CASA ratio of 55% by 3QFY26, what strategies might they implement?
If Bank of Maharashtra wants to achieve a CASA ratio of 55% by 3QFY26, what strategies might they implement?
In which of the following periods did Bank of Maharashtra's CASA ratio experience the most significant decrease?
In which of the following periods did Bank of Maharashtra's CASA ratio experience the most significant decrease?
If the bank increased both the growth rate of deposits and advances by 5% from the values achieved in FY24, what would be the approximate growth rate of Deposits and Advances?
If the bank increased both the growth rate of deposits and advances by 5% from the values achieved in FY24, what would be the approximate growth rate of Deposits and Advances?
What was the approximate growth rate of CSB Bank's gross advances between 3QFY23 and 3QFY24?
What was the approximate growth rate of CSB Bank's gross advances between 3QFY23 and 3QFY24?
Which of the following factors most likely contributed to the change in CASA ratio from FY22 to FY24?
Which of the following factors most likely contributed to the change in CASA ratio from FY22 to FY24?
If CSB Bank aims to increase its CASA ratio, which strategy would be most effective?
If CSB Bank aims to increase its CASA ratio, which strategy would be most effective?
How did the growth rate of deposits change from FY22 to FY24 for CSB Bank?
How did the growth rate of deposits change from FY22 to FY24 for CSB Bank?
Considering both advances and deposits, which period shows the highest combined growth for CSB Bank?
Considering both advances and deposits, which period shows the highest combined growth for CSB Bank?
What is the most likely reason for the advances growth rate to decrease from 30.4% in 1QFY24 to 17.9% in 3QFY24?
What is the most likely reason for the advances growth rate to decrease from 30.4% in 1QFY24 to 17.9% in 3QFY24?
What general trend can be observed in the CASA ratio of CSB Bank from 3QFY22 to 3QFY25?
What general trend can be observed in the CASA ratio of CSB Bank from 3QFY22 to 3QFY25?
How much did CSB Bank's deposits grow in INR Crs from 2QFY24 to 3QFY24?
How much did CSB Bank's deposits grow in INR Crs from 2QFY24 to 3QFY24?
What strategic decision might CSB Bank take if they forecast a decrease in deposit growth for the next fiscal year?
What strategic decision might CSB Bank take if they forecast a decrease in deposit growth for the next fiscal year?
Considering the trend in Gross Advances, which of the following is the most likely amount of Gross Advances for 1QFY26?
Considering the trend in Gross Advances, which of the following is the most likely amount of Gross Advances for 1QFY26?
What is a potential implication of the decreasing CASA ratio for CSB Bank's profitability?
What is a potential implication of the decreasing CASA ratio for CSB Bank's profitability?
If the bank's management decides to focus on increasing deposit growth, which measure would likely be MOST effective?
If the bank's management decides to focus on increasing deposit growth, which measure would likely be MOST effective?
What impact would a significant increase in the bank's Gross Non-Performing Assets (NPAs) likely have on its strategy?
What impact would a significant increase in the bank's Gross Non-Performing Assets (NPAs) likely have on its strategy?
CSB Bank's YoY growth in deposits has been consistently strong. What is the MOST likely challenge this poses to the bank?
CSB Bank's YoY growth in deposits has been consistently strong. What is the MOST likely challenge this poses to the bank?
Assuming the bank maintains its current trajectory, which of the following is a plausible estimate for total deposits by the end of FY26?
Assuming the bank maintains its current trajectory, which of the following is a plausible estimate for total deposits by the end of FY26?
What was the approximate YoY growth in Gross Advances for Karur Vysya Bank in 2QFY24?
What was the approximate YoY growth in Gross Advances for Karur Vysya Bank in 2QFY24?
If Karur Vysya Bank aims to achieve a 15% YoY growth in Deposits for FY26, what approximate deposit amount (in INR Crs) would they need to target, assuming FY25 deposits are INR 99,155 Crs?
If Karur Vysya Bank aims to achieve a 15% YoY growth in Deposits for FY26, what approximate deposit amount (in INR Crs) would they need to target, assuming FY25 deposits are INR 99,155 Crs?
What was the CASA Ratio for Karur Vysya Bank in 2QFY25?
What was the CASA Ratio for Karur Vysya Bank in 2QFY25?
Which of the following statements accurately describes the trend of Karur Vysya Bank's CASA Ratio from FY22 to FY24?
Which of the following statements accurately describes the trend of Karur Vysya Bank's CASA Ratio from FY22 to FY24?
In which period did Karur Vysya Bank experience the highest YoY growth in Deposits?
In which period did Karur Vysya Bank experience the highest YoY growth in Deposits?
What can be inferred about the relationship between growth in Gross Advances and growth in Deposits for Karur Vysya Bank based on the provided data?
What can be inferred about the relationship between growth in Gross Advances and growth in Deposits for Karur Vysya Bank based on the provided data?
What was the QoQ growth in Gross Advances in 3QFY25?
What was the QoQ growth in Gross Advances in 3QFY25?
Which quarter showed the smallest YoY growth in Gross Advances?
Which quarter showed the smallest YoY growth in Gross Advances?
If the trend of CASA ratio decline continues at the same rate as from 3QFY24 to 3QFY25, what would be the approximate CASA ratio in 3QFY26?
If the trend of CASA ratio decline continues at the same rate as from 3QFY24 to 3QFY25, what would be the approximate CASA ratio in 3QFY26?
What was the approximate increase in Deposits (in INR Crs) from 1QFY24 to 3QFY24?
What was the approximate increase in Deposits (in INR Crs) from 1QFY24 to 3QFY24?
Which year had the highest growth in deposits?
Which year had the highest growth in deposits?
How much did Deposits increase between FY22 and FY24?
How much did Deposits increase between FY22 and FY24?
How much did Gross Advances increase between FY22 and FY24?
How much did Gross Advances increase between FY22 and FY24?
In absolute numbers, what was the largest increase in deposits between any two consecutive quarters?
In absolute numbers, what was the largest increase in deposits between any two consecutive quarters?
Which statement is incorrect?
Which statement is incorrect?
What was the approximate percentage growth in Gross Advances from 3QFY23 to 3QFY24?
What was the approximate percentage growth in Gross Advances from 3QFY23 to 3QFY24?
Which quarter showed the highest YoY growth in Deposits?
Which quarter showed the highest YoY growth in Deposits?
What is the trend in CASA ratio from 1QFY23 to 3QFY25?
What is the trend in CASA ratio from 1QFY23 to 3QFY25?
If the bank aims to achieve a 15% YoY growth in Gross Advances for FY25, what approximate value of Gross Advances should it target?
If the bank aims to achieve a 15% YoY growth in Gross Advances for FY25, what approximate value of Gross Advances should it target?
In which period did the bank experience the most significant decrease in CASA ratio?
In which period did the bank experience the most significant decrease in CASA ratio?
What was the approximate total increase in Deposits from 3QFY22 to 3QFY24?
What was the approximate total increase in Deposits from 3QFY22 to 3QFY24?
Considering the trend in deposit growth, which of the following is the most likely deposit amount for 1QFY26?
Considering the trend in deposit growth, which of the following is the most likely deposit amount for 1QFY26?
Which of the following factors could explain the decreasing CASA ratio?
Which of the following factors could explain the decreasing CASA ratio?
In which period did the growth rate of Gross Advances decelerate the most?
In which period did the growth rate of Gross Advances decelerate the most?
What was the approximate average CASA ratio for the FY24 period?
What was the approximate average CASA ratio for the FY24 period?
If the bank wants to improve its CASA ratio, which strategy would be most effective?
If the bank wants to improve its CASA ratio, which strategy would be most effective?
What was the difference in YoY growth of Deposits between 3QFY22 and 3QFY24?
What was the difference in YoY growth of Deposits between 3QFY22 and 3QFY24?
Given the data, which of the following statements is most accurate?
Given the data, which of the following statements is most accurate?
How did the deposit amount change QoQ from 2QFY25 to 3QFY25?
How did the deposit amount change QoQ from 2QFY25 to 3QFY25?
Compared to the previous year, how was the Gross Advances growth of 3QFY25?
Compared to the previous year, how was the Gross Advances growth of 3QFY25?
What was the approximate YoY growth in Punjab National Bank's gross advances in 2QFY24?
What was the approximate YoY growth in Punjab National Bank's gross advances in 2QFY24?
Which quarter experienced the highest YoY growth in deposits for Punjab National Bank?
Which quarter experienced the highest YoY growth in deposits for Punjab National Bank?
If Punjab National Bank aims to achieve a 45% domestic CASA ratio by 1QFY26, which of the following strategies would be MOST effective, assuming current trends continue?
If Punjab National Bank aims to achieve a 45% domestic CASA ratio by 1QFY26, which of the following strategies would be MOST effective, assuming current trends continue?
In which period did Punjab National Bank's deposit growth (YoY) exceed its advances growth (YoY)?
In which period did Punjab National Bank's deposit growth (YoY) exceed its advances growth (YoY)?
Considering the trend in Domestic CASA Ratio from 1QFY23 to 1QFY25, what is a potential concern for Punjab National Bank?
Considering the trend in Domestic CASA Ratio from 1QFY23 to 1QFY25, what is a potential concern for Punjab National Bank?
What was the approximate QoQ growth rate of Punjab National Bank's Gross Advances in 3QFY25?
What was the approximate QoQ growth rate of Punjab National Bank's Gross Advances in 3QFY25?
How did the YoY growth in deposits change from FY23 to FY24 for Punjab National Bank?
How did the YoY growth in deposits change from FY23 to FY24 for Punjab National Bank?
Which of the following factors could explain the change in Domestic CASA Ratio from 45.1% in 1QFY23 to 40.1% in 1QFY25?
Which of the following factors could explain the change in Domestic CASA Ratio from 45.1% in 1QFY23 to 40.1% in 1QFY25?
Which of the following statement accurately describes the relationship between advances growth and deposit growth at PNB?
Which of the following statement accurately describes the relationship between advances growth and deposit growth at PNB?
A financial analyst observes that PNB's CASA ratio is declining while its advances are growing. What potential risk should the analyst highlight in their report?
A financial analyst observes that PNB's CASA ratio is declining while its advances are growing. What potential risk should the analyst highlight in their report?
Given the data, which of the following is the most likely reason for the fluctuation in YoY growth rates for both advances and deposits?
Given the data, which of the following is the most likely reason for the fluctuation in YoY growth rates for both advances and deposits?
If PNB's management sets a target to increase both deposit and advances growth by 2% YoY in FY25, which area should they focus on MOST to achieve this target?
If PNB's management sets a target to increase both deposit and advances growth by 2% YoY in FY25, which area should they focus on MOST to achieve this target?
Assume that PNB's cost of deposits is directly related to its CASA ratio. If the CASA ratio continues to decline, what is the MOST likely impact on PNB's net interest margin (NIM)?
Assume that PNB's cost of deposits is directly related to its CASA ratio. If the CASA ratio continues to decline, what is the MOST likely impact on PNB's net interest margin (NIM)?
Suppose PNB wants to reverse the trend of declining CASA ratio. Which of the following initiatives would be most effective in the short term?
Suppose PNB wants to reverse the trend of declining CASA ratio. Which of the following initiatives would be most effective in the short term?
Which of the following could be a potential long-term strategy for PNB to sustainably improve its CASA ratio?
Which of the following could be a potential long-term strategy for PNB to sustainably improve its CASA ratio?
Flashcards
What are Advances?
What are Advances?
Advances are funds lent to borrowers, expected to be repaid with interest.
What are Deposits?
What are Deposits?
Deposits are funds placed in a bank by customers, forming the bank's liability.
Meaning of 3QFY25
Meaning of 3QFY25
3QFY25 refers to the third fiscal quarter of the fiscal year 2025.
What is INR Cr?
What is INR Cr?
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What is Provisional Data?
What is Provisional Data?
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Gross Advances
Gross Advances
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Advances Growth (YoY)
Advances Growth (YoY)
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Deposits
Deposits
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Deposits Growth (YoY)
Deposits Growth (YoY)
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CASA Ratio
CASA Ratio
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3QFY25 Gross Advances
3QFY25 Gross Advances
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3QFY25 Deposits
3QFY25 Deposits
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3QFY25 CASA Ratio
3QFY25 CASA Ratio
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QoQ
QoQ
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FY
FY
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3QFY22
3QFY22
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4Q
4Q
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1Q
1Q
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2Q
2Q
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3Q
3Q
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Domestic CASA Ratio
Domestic CASA Ratio
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FY24 Domestic CASA Ratio
FY24 Domestic CASA Ratio
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Deposits QoQ Growth
Deposits QoQ Growth
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Gross Advances (3QFY25)
Gross Advances (3QFY25)
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CASA Ratio (3QFY25)
CASA Ratio (3QFY25)
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Quarter-over-Quarter (QoQ) Analysis
Quarter-over-Quarter (QoQ) Analysis
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Deposits (3QFY25)
Deposits (3QFY25)
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Assets
Assets
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Deposits (QoQ)
Deposits (QoQ)
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What are Gross Advances?
What are Gross Advances?
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What is Advances Growth (YoY)?
What is Advances Growth (YoY)?
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What is Deposits Growth (YoY)?
What is Deposits Growth (YoY)?
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What is CASA Ratio?
What is CASA Ratio?
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What is a Quarter (Q)?
What is a Quarter (Q)?
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What is meant by "-105 bps"?
What is meant by "-105 bps"?
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What was bank's Advances in 3QFY25?
What was bank's Advances in 3QFY25?
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What were bank's Deposits in 3QFY25?
What were bank's Deposits in 3QFY25?
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What is Advances Growth (QoQ)?
What is Advances Growth (QoQ)?
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What was the CASA Ratio in 3QFY25?
What was the CASA Ratio in 3QFY25?
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What was the Advances Growth (YoY) IN 3QFY25?
What was the Advances Growth (YoY) IN 3QFY25?
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What was the Deposit Growth (YoY) in 3QFY25?
What was the Deposit Growth (YoY) in 3QFY25?
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What was the Advances Growth (QoQ) in 3QFY25?
What was the Advances Growth (QoQ) in 3QFY25?
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What is the highest Deposit growth of FY24?
What is the highest Deposit growth of FY24?
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Study Notes
- These are study notes regarding the provisional advances and deposits for 3QFY25
Bank of Maharashtra
- Gross advances are INR 2,28,652 Cr, a 5.1% QoQ change
- YoY gross advances growth of 21.1%
- Deposits are INR 2,79,018 Cr, a 1.0% QoQ change
- YoY deposit growth of 13.5%
- CASA ratio is 49.3%, a -1 bps change
Punjab National Bank
- Gross advances are INR 11,11,940 Cr, a 4.7% QoQ change
- YoY gross advances growth of 15.0%
- Deposits are INR 15,30,401 Cr, a 4.9% QoQ change
- YoY deposit growth of 15.6%
- Domestic CASA ratio is 40.1%
CSB Bank
- Gross advances are INR 28,914 Cr, a 7.6% QoQ change
- YoY gross advances growth of 26.4%
- Deposits are INR 33,406 Cr, a 4.9% QoQ change
- YoY deposit growth of 22.2%
- CASA ratio is 24.1%, a -2 bps change
Karur Vysya Bank
- Gross advances are INR 82,842 Cr, a 3.2% QoQ change
- YoY gross advances growth of 14.0%
- Deposits are INR 99,155 Cr, a 3.5% QoQ change
- YoY deposit growth of 15.7%
- CASA ratio is 28.4%, a -105 bps change
South Indian Bank
- Gross advances are INR 86,965 Cr, a 2.6% QoQ change
- YoY gross advances growth of 11.9%
- Deposits are INR 1,05,378 Cr, a -0.1% QoQ change
- YoY deposit growth of 6.3%
- CASA ratio is 31.2%, a -64 bps change
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