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: Compute the expected loss due to NPAs for both divisions using the formula: Expected Loss = Total Advances × NPA% × (1 – Provision Coverage Ratio).

Calculate the maximum loan amount a consumer is eligible for under a 'Personal Loan' scheme based on the following verified data: 1. The consumer's Gross Monthly Salary is ₹1,50,000. 2. Statutory deductions including Income Tax and Professional Tax amount to ₹25,000. 3. The consumer is already paying a Home Loan EMI of ₹30,000 and a Car Loan EMI of ₹10,000. 4. The bank's policy allows a maximum Fixed Obligation to Income Ratio (FOIR) of 60% of the Net Monthly Income. 5. The EMI for the new loan is calculated at ₹2,200 per Lakh of the loan amount for the desired tenure.

A farmer intends to avail of a Crop Loan under the Kisan Credit Card scheme for 5 acres of Sugarcane. The scale of finance is fixed at 120,000 per acre. Considering the mandatory 10 percent provision for post-harvest/household requirements and 20 percent provision for maintenance of farm assets, what would be the maximum permissible limit for the first year and the cumulative limit for the fifth year including a 10 percent annual compounding increment?