Mathematics · Banking Aptitude
Case Scenario: XYZ Bank Ltd. is evaluating the performance of its two major divisions for the financial year 2024–25. The following data is provided: ParticularsRetail Banking DivisionCorporate Banking DivisionTotal Advances (± Crores)22,00038,000Average Yield on Advances (%)10.49.0Cost of Funds (%)5.46.1Non-Performing Assets (%)2.04.6Operating Expenses (% of Advances)1.81.1Risk-Weighted Assets (RWA) Ratio (%)7292Provision Coverage Ratio (%)4065Tax Rate (%)3030 Question: If Net Interest Margin (NIM) = Average Yield – Cost of Funds, and the bank plans to reallocate 15% of its corporate advances to the retail segment, calculate the new combined NIM of the bank.
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