SLR.pptx
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The statutory liquidity ratio (SLR) refers to the proportion of deposits that commercial banks must maintain as liquid assets, such as government bonds and cash, as determined by the central bank. The SLR is used to control bank credit levels, ensure bank solvency, and compel banks to invest in government securities. If banks do not maintain the required SLR percentage, they are charged penalties. The SLR helps the government sell securities and supports the central bank's monetary policy objectives.
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Cash Reserve Ratio (CRR) is the minimum fraction of deposits that banks must maintain as reserves with the central bank. It is set by the central bank and aims to ensure banks maintain enough cash to meet depositor demands. CRR is used as a monetary policy tool to control money supply. Statutory Liquidity Ratio (SLR) refers to the ratio of liquid assets to net demand and time liabilities that banks must maintain. Apart from CRR, banks must maintain a stipulated proportion of net demand and time liabilities in liquid assets under SLR. Repo rate is the rate at which the central bank lends to commercial banks, and is used to control inflation. Reverse repo rate is the rate at which the
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The document discusses the Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) requirements for banks in India. It defines CRR as the minimum proportion of demand and time liabilities that scheduled commercial banks must maintain as reserves with the Reserve Bank of India. Similarly, SLR is the minimum level of liquid assets like cash, gold, and government securities that banks must hold as a percentage of their net demand and time liabilities. The document outlines the calculation processes for CRR and SLR, categories included and exempted from the ratios, and how the ratios provide RBI tools to control liquidity in the banking system. It also reviews how CRR and SLR have changed over time and perspectives
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The document discusses India's current monetary policy tools and their effectiveness in controlling inflation. It outlines various quantitative tools used by the Reserve Bank of India including bank rate, open market operations, cash reserve ratio, statutory liquidity ratio, and liquidity adjustment facilities. While these tools aim to manage money supply and credit, inflation remains high due to supply constraints, rupee depreciation, and incomplete pass-through of fuel price hikes. Monetary policy faces constraints in strongly supporting growth given persistent inflationary pressures and risks from high fiscal and current account deficits.
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What is a Non SLR security – Detail the various Non SLR investment and analyses the risks in each of these non SLR investments
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The document discusses monetary policy and fiscal policy in India. It defines monetary policy as the use of tools by the Reserve Bank of India to regulate money supply and achieve objectives like full employment and price stability. The key monetary policy tools are bank rate, open market operations, statutory liquidity ratio, cash reserve ratio, and repo rate. Fiscal policy relates to government income/expenditure and uses tools like public expenditure, taxation, public debt, and deficit financing to promote growth. Both policies aim to achieve similar economic objectives but coordination between the two is important.
Monetary Developments
The document summarizes monetary developments and trends in India in 2008-09. It defines various monetary policy terms like repo rate, reverse repo rate, CRR rate, and SLR. It discusses the RBI's objectives of maintaining price stability while sustaining growth. In 2008-09, the RBI lowered policy rates including the repo rate and CRR rate to increase liquidity and boost the economy amid a slowing GDP growth forecast. Inflation declined due to falling global commodity and oil prices, allowing further monetary easing.
Banking Awareness
The document discusses various banking terms:
1. Repo rate is the rate at which banks borrow from the RBI. A reduction in repo rate makes borrowing cheaper for banks.
2. Reverse repo rate is the rate at which RBI borrows from banks, used when there is excess liquidity.
3. CRR is the amount of funds banks must keep in reserves with RBI. Increasing CRR reduces funds available with banks.
4. SLR is the minimum amount of liquid assets like government bonds banks must hold, set by RBI to control credit growth.
Treasury Management
1) Non-SLR securities are investments made by banks that are not mandated by statutory liquidity ratio requirements. They include investments in stocks, bonds, mutual funds, commercial paper, and other capital market instruments.
2) These investments carry more risk than SLR investments in government securities but can provide higher returns. Risks include security selection, credit risk, market risk, liquidity risk, and more.
3) Guidelines from the RBI specify limits on non-SLR investments and criteria for eligible securities. Banks must also comply with prudential norms on income recognition, asset classification, and provisioning for these investments.
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Cash Reserve Ratio (CRR) is the minimum fraction of deposits that banks must maintain as reserves with the central bank. It is set by the central bank and aims to ensure banks maintain enough cash to meet depositor demands. CRR is used as a monetary policy tool to control money supply. Statutory Liquidity Ratio (SLR) refers to the ratio of liquid assets to net demand and time liabilities that banks must maintain. Apart from CRR, banks must maintain a stipulated proportion of net demand and time liabilities in liquid assets under SLR. Repo rate is the rate at which the central bank lends to commercial banks, and is used to control inflation. Reverse repo rate is the rate at which the
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The document discusses the Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR) requirements for banks in India. It defines CRR as the minimum proportion of demand and time liabilities that scheduled commercial banks must maintain as reserves with the Reserve Bank of India. Similarly, SLR is the minimum level of liquid assets like cash, gold, and government securities that banks must hold as a percentage of their net demand and time liabilities. The document outlines the calculation processes for CRR and SLR, categories included and exempted from the ratios, and how the ratios provide RBI tools to control liquidity in the banking system. It also reviews how CRR and SLR have changed over time and perspectives
Indian Economy Variables
The document discusses India's current monetary policy tools and their effectiveness in controlling inflation. It outlines various quantitative tools used by the Reserve Bank of India including bank rate, open market operations, cash reserve ratio, statutory liquidity ratio, and liquidity adjustment facilities. While these tools aim to manage money supply and credit, inflation remains high due to supply constraints, rupee depreciation, and incomplete pass-through of fuel price hikes. Monetary policy faces constraints in strongly supporting growth given persistent inflationary pressures and risks from high fiscal and current account deficits.
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What is a Non SLR security – Detail the various Non SLR investment and analyses the risks in each of these non SLR investments
Monetary Policy and Fiscal Policy
The document discusses monetary policy and fiscal policy in India. It defines monetary policy as the use of tools by the Reserve Bank of India to regulate money supply and achieve objectives like full employment and price stability. The key monetary policy tools are bank rate, open market operations, statutory liquidity ratio, cash reserve ratio, and repo rate. Fiscal policy relates to government income/expenditure and uses tools like public expenditure, taxation, public debt, and deficit financing to promote growth. Both policies aim to achieve similar economic objectives but coordination between the two is important.
Monetary Developments
The document summarizes monetary developments and trends in India in 2008-09. It defines various monetary policy terms like repo rate, reverse repo rate, CRR rate, and SLR. It discusses the RBI's objectives of maintaining price stability while sustaining growth. In 2008-09, the RBI lowered policy rates including the repo rate and CRR rate to increase liquidity and boost the economy amid a slowing GDP growth forecast. Inflation declined due to falling global commodity and oil prices, allowing further monetary easing.
Banking Awareness
The document discusses various banking terms:
1. Repo rate is the rate at which banks borrow from the RBI. A reduction in repo rate makes borrowing cheaper for banks.
2. Reverse repo rate is the rate at which RBI borrows from banks, used when there is excess liquidity.
3. CRR is the amount of funds banks must keep in reserves with RBI. Increasing CRR reduces funds available with banks.
4. SLR is the minimum amount of liquid assets like government bonds banks must hold, set by RBI to control credit growth.
Treasury Management
1) Non-SLR securities are investments made by banks that are not mandated by statutory liquidity ratio requirements. They include investments in stocks, bonds, mutual funds, commercial paper, and other capital market instruments.
2) These investments carry more risk than SLR investments in government securities but can provide higher returns. Risks include security selection, credit risk, market risk, liquidity risk, and more.
3) Guidelines from the RBI specify limits on non-SLR investments and criteria for eligible securities. Banks must also comply with prudential norms on income recognition, asset classification, and provisioning for these investments.
Rbi
The document discusses the Reserve Bank of India (RBI), which is India's central banking institution. It establishes that the RBI controls monetary policy and was established in 1935. The RBI uses various tools to regulate the money supply and maintain price stability, including the bank rate, cash reserve ratio, and statutory liquidity ratio. It also discusses inflation, how it is measured, and its positive and negative effects. The RBI aims to balance maintaining price stability with ensuring adequate credit flow through its monetary policy decisions.
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The document discusses monetary policy in India and its objectives, instruments, and challenges. It explains that monetary policy aims to maintain price stability and economic growth through controlling money supply and credit in the economy using various tools. The key tools discussed are open market operations, cash reserve ratio, statutory liquidity ratio, and repo and reverse repo rates. It also outlines the objectives of monetary policy as price stability, economic growth, and managing interest rates and foreign exchange. Some challenges to effective monetary policy are the non-monetized sector and lack of coordination with fiscal policy.
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The document provides an overview of two key Indian monetary policy terms: the repo rate and statutory liquidity ratio (SLR). The repo rate is the interest rate at which commercial banks borrow funds from the Reserve Bank of India. A reduction in the repo rate will allow banks to borrow funds at a cheaper rate. The SLR is the minimum amount of funds that commercial banks must hold in government approved securities. The SLR is set by the RBI and helps control the expansion of bank credit. The SLR has recently been reduced by 100 basis points to 24% of deposits, freeing up more cash for banks to lend.
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The document provides an overview of two key Indian monetary policy terms: the repo rate and statutory liquidity ratio (SLR). The repo rate is the interest rate at which commercial banks borrow funds from the Reserve Bank of India. A reduction in the repo rate will allow banks to borrow funds at a cheaper rate. The SLR is the minimum amount of funds that commercial banks must hold in government approved securities. The SLR is set by the RBI and helps control the expansion of bank credit. The SLR has recently been reduced by 100 basis points to 24% of deposits, freeing up more cash for banks to lend.
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The monetary policy of India is formulated by the Reserve Bank of India (RBI) and relates to regulating money supply and credit availability. Key tools of monetary policy include the cash reserve ratio (CRR), statutory liquidity ratio (SLR), repo rate, reverse repo rate, and marginal standing facility rate. The objective of monetary policy is to promote savings and investment, control imports and exports, manage business cycles, and regulate aggregate demand.
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The document provides an overview of two key Indian monetary policy terms: the repo rate and statutory liquidity ratio (SLR). The repo rate is the interest rate at which commercial banks borrow funds from the Reserve Bank of India. A reduction in the repo rate will allow banks to borrow funds at a cheaper rate. The SLR is the minimum amount of funds that commercial banks must hold in government approved securities. The SLR is set by the RBI and helps control the expansion of bank credit. The SLR has recently been reduced by 100 basis points to 24% of deposits, freeing up more cash for banks to lend.
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The document provides an overview of two key Indian monetary policy terms: the repo rate and statutory liquidity ratio (SLR). The repo rate is the interest rate at which commercial banks borrow funds from the Reserve Bank of India. A reduction in the repo rate will allow banks to borrow funds at a cheaper rate. The SLR is the minimum amount of funds that commercial banks must hold in government approved securities. The SLR is set by the RBI and helps control the expansion of bank credit. The SLR has recently been reduced by 100 basis points to 24% of deposits, freeing up more cash for banks to lend.
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The document discusses various monetary policy tools used by the Reserve Bank of India (RBI) and their impact on the Indian economy. It explains that RBI uses tools like the cash reserve ratio (CRR), statutory liquidity ratio (SLR), and repo rate to control money supply and fight inflation/deflation. Raising CRR or SLR reduces money available for bank lending, increases interest rates, and slows economic growth. Lowering them has the opposite effects. Similarly, raising the repo rate increases business loan costs, reduces spending and growth, while lowering repo rate stimulates growth. In conclusion, RBI periodically uses these tools to manage liquidity and influence economic activity across sectors and the nation as a whole.
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SLR.pptx
- 1. Banking and financial institutions STATUTORY LIQUIDITY RATIO (SLR)
- 2. introduction Statutory Liquidity Ratio refers to the proportion of deposit, which the commercial banks are required to maintain with them in form of liquid assets. The liquid assets are assets readily convertible into cash including government bonds, money market instruments, cash, gold, etc. The SLR is determined by the central bank to control bank credit, ensure solvency and compel bank to invest in the government securities. Current SLR Rate is ___%. In case banks defaults in maintaining this percent, they are charged penalty at rate 3-5%.
- 3. IMPORTANCE One of the main objectives is to prevent commercial banks from liquidating their liquid assets when the RBI raises the CRR. SLR is used by the RBI to control credit flow in the banks. In a way, SLR also makes commercial banks invest in government securities. Making banks invest a portion of their deposits in government securities also ensures the solvency of such banks. SLR might be a monetary policy tool, but it has also helped the government sell a lot of their securities. So SLR helps in the government’s debt management programme and RBI’s monetary policy as well.
- 4. EFFECTS OF SLR RATE INCREASE AND DECREASE BY RBI ON ECONOMY SLR SLR
- 5. Difference between c.r.r ands.l.r Statutory Liquidity Ratio Cash Reserve Ratio Reserves are in the form of liquid assets Reserves must be in the form of cash SLR controls credit expansion CRR controls liquidity Institutions earn interest on assets parked with approved securities. Institutions don’t earn any returns on cash parked as CRR. Liquid assets are maintained by the financial institutions. Cash reserves are maintained by the RBI
- 6. Merits of statutory liquidity ratio Controls inflation in the economy. Reducing SLR. Raising SLR.
- 7. How is the statutory liquidity ratio calculated? SLR = (Liquid Assets / (Time + Demand Liabilities))×100
- 8. Examples of approvedSLR securities Dated securities of government of India. Treasury bills of the government of India. Dated securities of the government of India issued from time to time under the market borrowing programme and the market stabilisation scheme. State development loans (SDLs) issued from time to time under their market borrowing programme. Any other instrument as may be notified by the Reserve Bank of India.
- 9. REFERENCE https://www.youtube.com/watch?v=qOB7sgVflns https://www.youtube.com/watch?v=bjAOMGYppIE
- 10. Thank you