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CAIIB-BFM-RECOLLECTED QUESTIONS FROM JUNE 2019


Friends, Updating here the recollected questions from June 2019 Exams. Wish you all the very best for your exam.

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International Bank has following assets and liabilities in its balance-sheet as on Mar 31, 2019:

Capital — Rs. 4000 cr, Reserves — Rs. 24000 cr, Current accounts — Rs. 120000 cr, Saving Bank accounts — Rs. 120000 cr, Term deposits — Rs. 120000 cr, Borrowing from RBI — Rs. 12000 cr, cash balances — Rs. 27600 cr, balances with other banks — Rs. 60000cr, investment in securities — Rs. 60000 cr, bills payable — Rs. 80000 cr, cash credit — Rs. 80000 cr, term loans — Rs. 80000 cr and fixed assets — Rs. 12400 cr. Total assets and total liabilities = Rs. 400000 cr.

The term loans have fixed rate of interest. Based on this information, answer the following questions.

01. What is the amount of interest rate sensitive assets?

a. Rs. 252000
b. Rs. 320000
c. Rs. 360000
d. Rs. 400000

02. What is the amount of interest rate sensitive liabilities?

a. Rs. 252000
b. Rs. 320000
c. Rs. 360000
d. Rs. 400000

03. In this case, how much and what type of gap in rate sensitive assets and liabilities, the bank is having?

a. Rs. 108000 cr, Negative gap
b. Rs. 108000 cr, Positive gap
c. Rs. 120000 cr, negative gap
d. Information is inadequate

04. What is the amount of Tier-1 capital of the bank?

a. Rs. 4000 cr
b. Rs. 24000 cr
c. Rs. 28000 cr
d. Inadequate information

Ans : 1-c, 2-a, 3-b, 4-c

Explanations:

Que-1: Assets other than cash and other assets are rate sensitive. Hence 400000-27600-12400 = 360000

que-2: Liabilities other than capital, reserves and current accounts are rate sensitive. Hence, 400000-4000—24000-120000 = Rs. 252000 cr

Que-3: Interest sensitive assets are more than interest sensitive liabilities i.e. 360000 Hence, there is positive gap

Que-4: Tier-1 capital comprises reserves and capital. Hence 4000 + 24000 = 28000 cr

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