Time period: An establishment that focuses on dealing with financial transactions, such as investments, loans and deposits. Conventionally, financial institutions are composed of organizations such as banks, trust companies, insurance companies and investment dealers. Almost everyone has deal with a financial institution on a regular basis. Everything from depositing money to taking out loans and exchange currencies must be done through financial institutions.
1.MACRO ECONOMIC TIME PERIOD
- GDP — yearly , quarterly , monthly
- Call money — overnight
- Notice money — 2-14 days
- term money– 15days to 1 year
- Certifcates of deposits–min 7 days – max- 12 months
- Commerical papers — min 7 days — max –12 months
- Forward rate aggrements — contracts are available for maturity 10 years
- Market repo– 1 day – 1 year
- RBI LAF — 1 day
- NDTL — 15 Days basis
- T-bills — 91, 182, 364 DAYS
- Inter bank participation — 91 -180 Days
- CBLO Colletral borrowing slending obligation — 1 day – 1 year
- Capital market — 1 year and above
- Money market — less than 1 year
- IIP calulates — quartely , monthly
2.TYPES OF money
- MO RESERVE MONEY — reserve money — weekly
- M1 NARROW — fortnight — 15 days
- M3 BROAD –fortnight — 15 days
- L1 — MONTHLY
- L2–MONTHLY
- L3 — QUARTERLY — 3MONTHS
3.NATIONAL income — every 1 YEAR
- Measuring methods __ FOR national income
- REVISED ESTIMATE — 0 % CHANGE
- PROVISIONAL ESTIMATE– 50 % change
- QUICK ESTIMATE– 75% change
- ADVANCED ESTIMATE –100% change
- RBI finacial year — july 1st — june 30
- BANKS — April 1st — MARCH -31st
- General budget — financial starts from April 1ST
4.ACCOUNTS __ MIN — MAX
- SAVING ——NO
- CURRENT— no time period
- RECURRING– 6 months , 10 years
- FIXED — 7DAYS / NOW 14 DAYS — 10 YEARS
- FLEXI –6 months upto a maximum of 5 years.
5.NPAs__ 90 DAYS
- –> BAD LOANS
- –> Customer does not pay re installments/ repayments called as NPAs
- upto –90 days — overdue NPAs
- 90 days –1 year — Substandard NPA
- 1 year — 3 years — Doubtful NPA
- >> 3 Years — confirmed NPA/Bad debt NPA
6.GOVT securities
- Short term — 1 YEAR
- Medium-term securities—-1-5 years
- Long-term securities– more than 5 years
- Dated securities — 30 years
- Long term streching — 50 Years
7.Agriculture loans time period
- Short — 6-18 months
- Medium — upto 18-36 month
- Long — More then 36 months
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