Artificial Intelligence (AI) is changing how we get things done at work. Today, many companies are using AI agents—like smart virtual assistants—to take care of repetitive or complicated tasks. These agents can do things like help order laptops, support customer service teams, or plan parts of the supply chain. These AI agents save people time…
Author: Tech Writer
🤖What is a Kubernetes Cluster? A Beginner-Friendly Guide for GKE Users
If you’re stepping into the world of containers and Google Cloud, you’ll quickly come across the term Kubernetes cluster. But what exactly is a cluster, and why is it so important? In this post, we’ll break down the concept of a Kubernetes cluster in simple terms and help you understand how it powers your applications…
CASA Ratio: Meaning, Formula, Importance & Impact on Banks
What is CASA Ratio? CASA stands for Current Account and Savings Account, and the CASA Ratio is a key metric used to measure the proportion of a bank’s total deposits that come from these two sources. Since CASA deposits are a low-cost source of funds for banks, a higher CASA ratio indicates better financial efficiency…
Liquidity Coverage Ratio (LCR): Importance, Formula & Impact on Banks
What is Liquidity Coverage Ratio (LCR)? The Liquidity Coverage Ratio (LCR) is a crucial financial metric that ensures banks maintain an adequate level of high-quality liquid assets (HQLA) to cover short-term cash outflows in times of financial stress. Introduced under the Basel III framework, the LCR aims to strengthen banks’ liquidity positions and improve their…
Deposit Growth in Banking: Trends, Formula, Impact & Key Drivers
What is Deposit Growth? Deposit growth refers to the increase in the total amount of deposits that customers place with banks over a specific period. It is a vital indicator of a bank’s liquidity, customer confidence, and overall financial health. A steady rise in deposits not only supports the bank’s lending activities but also enhances…
Credit Growth in Banking: Trends, Formula, Impact & Key Drivers
What is Credit Growth? Credit growth refers to the increase in the total amount of loans and advances provided by banks and financial institutions over a given period. It serves as a critical indicator of economic activity, reflecting how much banks are lending to businesses, consumers, and other sectors. Strong credit growth generally signals expanding…
Capital Adequacy Ratio (CAR) in Banking: Definition, Calculation & Example
What is Capital Adequacy Ratio (CAR)? The Capital Adequacy Ratio (CAR) is a critical financial metric that measures a bank’s capital relative to its risk-weighted assets. It indicates how well a bank can absorb potential losses and maintain stability during financial stress. Regulators use CAR to ensure that banks have sufficient capital to support their…
Provision Coverage Ratio (PCR) in Banking: Definition, Calculation & Example
What is Provision Coverage Ratio (PCR)? The Provision Coverage Ratio (PCR) is a vital financial metric used by banks to assess the quality of their loan portfolios. PCR measures the extent to which a bank has made provisions to cover its non-performing assets (NPAs). Essentially, it indicates how well a bank can absorb losses from…
Net Non-Performing Assets (NNPA) Ratio in Banking: Definition, Calculation & Example
What is the NNPA Ratio? The Net Non-Performing Assets (NNPA) Ratio is a key metric used to assess a bank’s asset quality. Unlike the GNPA ratio, which measures the total non-performing assets, the NNPA ratio accounts for the bank’s provisioning against bad loans. This ratio gives investors a clearer picture of the bank’s actual credit…
Gross Non-Performing Assets (GNPA) Ratio in Banking: Understanding Its Importance, Calculation & Example
What is the GNPA Ratio? The Gross Non-Performing Assets (GNPA) Ratio is a key indicator of a bank’s asset quality. It measures the percentage of loans and advances that have turned into non-performing assets (NPAs) relative to the total loans disbursed by the bank. A high GNPA ratio signals deteriorating asset quality, while a low…