lunatik.charmeur

Capital Adequacy ratio CAR is a tool used to measure how much of the bank's capital is available to cover their risks. It shows how much of their capital is available to support its assets (loans). The bank with higher CAR means it has enough capital to cover potential losses and investors can trust these banks to deposit their money than the banks with low CAR. According to the Reserve Bank of India, the minimum CAR to be maintained by all the banks (both domestic and foreign banks) in India is 9%. Below is the formula to calculate CAR CAR = Tier 1 capital + Tier 2 capital/ Risk Weighted Assets (RAW) Tier 1 Capital - These are bank's core equities Tier 2 Capital - Subordinated debt instruments RAW - Assets are classified and assigned different risk weights based on their credit risk, market, and operational risk.  It is calculated by multiplying each asset value by its risk weight. Risk weight is the percentage of risk the particular asset holds. For example, government securi...

 Discipline is the bridge between goals and accomplishments. We all have certain goals we wish to be achieved. First, what is a goal? Goals are something that you wish to have within certain period of time. In simple terms, it has a deadline whereas there is no deadline in a dream. We just wish to achieve something, and we keep on dreaming and dreaming with no efforts done towards that goal.  In order to achieve that goal, as I said first, we need to fix a deadline and plan a proper way to achieve that goal. The next step is to execute the plan. Here is where most people stuck and give up.  What are the challenges faced when executing the plan? For example, let's say my goal is to wake up at 5 AM daily. So, in order to achieve that goal, all I need to do is wake at 5 AM. It's that simple. But in reality, it is not that simple like it seems. Questions to ask yourself 1. Why do I want to wake up at 5 AM / whatever the habit you want to develop 2. What are the benefits I'll ...