High Provision Coverage Ratio (PCR) bank ke baare mein kya batata hai? 🏦🛡️ Kya ye bank ka kavach hai? Option: Bank potential loan losses ko sambhalne mein prudent aur conservative hai, Bank ke paas corporate loans ke mukable retail loans zyada hain, Bank zyada tar CASA deposits par nirbhar hai funds ke liye, Bank aggressive lending practices apnata hai aur zyada risk leta hai

High Provision Coverage Ratio (PCR) yani "Bank ka Super Shield"! 🏦🛡️ Ye kya dikhata hai: * Bank **potential loan losses** ke liye achhe se taiyaar hai * Bank ne **risk management** ko seriously liya hai * Bank ne apne **non-performing assets** ke against kaafi paise side mein rakh diye hain Iska matlab: * Bank **conservative approach** apna raha hai * Unexpected losses aane par bhi bank **steady** reh sakta hai * Investors aur regulators ke liye ye **positive sign** hai Par yaad rakhna, zyada high PCR ka matlab ye nahi ki bank bilkul risk-free hai. Har coin ke do sides hote hain!

Chalo finance ke superhero, **Capital Adequacy Ratio (CAR)** ke baare mein baat karte hain! 🦸‍♂️💰 CAR ka formula: **Bank's Capital / Credit Exposure** Ye ratio kya batata hai? - Bank kitna **financially strong** hai 💪 - Kitne **losses absorb** kar sakta hai 🛡️ Isko aur bhi kehte hain: - **Capital-to-risk-weighted assets ratio** CAR zyada = Bank zyada stable 📊 - Economic downturns mein bhi mazboot rahega 🏋️‍♂️ - Credit risks se bhi nahi darega 🦁 Toh agle baar jab bank ka health check karna ho, CAR ko zaroor dekhna! 🩺💼

High CASA ratio ka matlab hai ki bank ke paas **bahut saare saste deposits** hain. Ye bank ki sehat ke liye achha sign hai! 💪 - **CASA** yani **Current Account Savings Account** - In accounts mein interest kam hota hai - Zyada CASA ratio = bank ke liye sasta paisa - Sasta paisa = zyada profit ka chance! **Yaad rakhne wali baatein:** CASA ratio, banking, saste deposits, funding costs, profitability, bank ki financial health

**Prompt Corrective Action (PCA)** depositors ke liye indirectly faydemand ho sakta hai: - PCA ek framework hai jo banks ki financial weaknesses ko address karta hai 🛠️ - Ye problems ko bade crisis banne se pehle hi tackle karta hai 🚧 - Bank ki overall financial health improve hoti hai 💪 - Jab bank healthy hota hai, to fail hone ka chance kam hota hai 📈 - Indirectly, ye depositors ke paise ki safety increase karta hai 🛡️ Yaad rakhein: PCA ek tarah ka financial doctor hai jo bank ko fit rakhta hai, taki aapka paisa safe rahe!

Bank walo ki neend udane ke liye bas ek cheez kaafi hai - **borrowers ka loan repayments default karna**! 😱💸 Ye bank ke liye nightmare kyu hai: - **Loan defaults** se bank ke **non-performing assets** badhte hain - Bank ko **loan loss provisions** ke liye extra paise rakhne padte hain - Bank ki **profitability** par direct hit lagta hai Samjho aise: - Bank loan deta hai, interest kamata hai 💰 - Par agar log loan nahi chukaye, to bank ka paisa doob jata hai 🏊‍♂️ - Fir bank ko apne hi paise se losses cover karne padte hain 😖 Isliye, jab bhi loan lo, time pe chukao. Warna sirf aapka नहीं, pure banking system ka BP high ho jayega! 📈🥵

**Deposit insurance** ka main kaam hota hai **bank fail hone par aapke paise bachana**. Ye hai aapka financial superhero! 🦸‍♂️💰 - Agar bank dubne lage, to deposit insurance aapke insured deposits ko safe rakhta hai - Ye **financial stability** ko maintain karne mein madad karta hai - Logo ka **banks par bharosa** badhata hai - Bank runs (jab sab log ek saath paise nikalne lagte hain) ko rokne mein madad karta hai Yaad rakhein: Deposit Insurance = Bank Ka Airbag 🛡️💼