Indian Banking Radar – 5 Mains power Facts

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💡 CAMELSC framework evaluates bank soundness across Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity and Compliance. It helps supervisors identify early warning signals in banks.

💡 Liquidity Coverage Ratio (LCR) ensures banks hold sufficient High-Quality Liquid Assets (HQLA) to meet 30-day stressed cash outflows, strengthening short-term liquidity resilience.

💡 Asset Liability Management (ALM) manages mismatches between assets and liabilities. It is crucial for controlling liquidity risk and interest rate risk.

💡 Interest rate sensitivity risk arises when changes in market rates affect earnings and economic value. Banks manage this through repricing gaps and duration analysis.

💡 In plant breeding, hybrid vigor (heterosis) results in superior yield and performance compared to parent lines. It is widely used to enhance productivity in crops.

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