#RIP
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which test series is best for SBI PO ???
A jar contains 45 litrs of mixture Ratio of Water is to milk is 3:2 , if 5 lits of mixture take out and X lits of water mix into it then what is the Total Quantity of water in jar?
A, B, C, D, E, G, and I are seven friends who study in three different standards namely 5th, 6th, 7th such that not less than two friends study in the same standard. Each friend also has a different favourite subject namely History, Civics, English, Marathi, Hindi, Maths and Economics but not necessarily in the same order. A like Maths and studies in 5th standard with only one other friends who likes Marathi. I studies with two other friends. Both the friends who study with I like language (here languages include only Hindi, Marathi and English). D studies in 6th standard with only one person and does not like Civics. E studies with only one friend. The one who likes history does not study in 5th or 6th standard. E does not like languages. C does not like English, Hindi or Civics.
50% offer for SBI po in Testbook, with 25 prelims, 15 mains, 40 sectional test "500rs".... Is it worth buying?????? Someone guide me puys and pirls
SBI PO Pre ke Liye?
- Practice Mock
- Olivebord
- Both
0 voters
Anyone tried Testbag?
https://www.quora.com/Who-played-the-best-most-realistic-role-of-Lord-Ram?
Got something important on Quora, so shared to you.
Multiple answers allowed.
Pls answer
- Star Plus-Siya ke Ram is totally modified, diluted, mocked & distorted version & need immediate
- Diluting epics, modifing history, distorting sentiments is not Right to freedom of expression,speech or entertainment.
- Any other thoughts, please mention.
- It has now become a trend to comic with Hindu sentiments,texts & epics.
0 voters
pls help..
how to solve DI questions where we are given a line chart of prices of a commodity over a period of 5 years ,suppose 2010-2015, and we are asked to calculate the maximum %age change in prices of the commodity of a particular year w.r.t to the preceding year? any shortcut for this?
i cant afford to subtract the prices and divide it by the previous year's amount!!
Pease post the Gmat English Notes Again.. Whoever posted it ..
Need For BASEL-3 Worldwide:
Banks mainly deals with three kind of risks. These are
1. Credit risk
2. Market risk
3. Operational risk
What is Credit risk?
It is basically the risk of loss, arising when a borrower is not capable of paying back the loan as promised. Such borrowers are also known as Sub-prime borrowers.
Now lets go back to the year 2008 ,when all of us observed /witnessed the Global financial crisis ,which originated in US because of these Subprime borrowers and this crisis thereafter spilled over in the other markets as well. It created financial crisis throughout the world.
Thus a need was felt for more stringent banking regulation worldwide.
Now In India what is the need to adopt such norms when we saw our banking system standing firm even during the crisis.
Need for Basel -III in INDIA
1. Firstly ,The most important reason is that as India connects with the rest of the world, and as increasingly Indian banks go abroad and foreign banks come on to our shores, we cannot afford to have a regulatory deviation from global standards. Any deviation will hurt us.
2. Secondly, if we ought to maintain a low standard regulatory regime this will put Indian banks at a disadvantage in global competition.
Therefore ,It is becomes important that Indian banks have the cushion provided by this risk management system to withstand shocks from external systems, especially as we deepen our links with the global financial system.
In India, Basel III regulations has been implemented from April 1, 2013 in phases
and it will be fully implemented as on March 31, 2019.
The pillars of BASEL norms:
1. Capital adequacy requirements
2. Supervisory review
3. Market discipline
Recommendations of Basel -III
Firstly,Basel -3 recommended that the Capital Adequacy ratio(CAR) be increased to 8% internationally, while in INDIA it is 9%.
Capital Adequacy ratio(CAR), also known as
Capital to Risk (weighted ) Assets Ratio (CRAR),
is a ratio of a bank's capital to its risk.
Capital is the money a bank receives in exchange for issuing shares.This capital is further classified into two - Tier 1 and Tier 2 capital.
Out of the 9% (of RWA) capital adequacy requirement ,7%(of RWA) has to be met by Tier 1 capital while the remaining 2%(of RWA) by Tier 2 capital.
Risk weighted assets- Every bank assigns its assets some weight-age based on the risk involved.Thus apply a weight percentage to each of its assets.
For example -
Lets say a bank lends Rs 100 to a person for home loan and Rs 100 to a person to start a new company.
Bank's total asset = Rs 100 + Rs 100 = Rs 200
Let's imagine home loan has high probability of being repaid than the loan to person to start a company.
i.e. Risk Weight of Home Loan = 50% and Risk Weight of loan for company = 90%
Risk Weighted Assets of Bank = 50% of 100 + 90% of 100 = 50 + 90 = Rs 140.So out of total assets worth Rs 200, Rs 140 are risk weighted assets.
Bank need 9% of RWA as Capital.
Bank need 9% of 140 = Rs 12.6 as Capital.
Means, out of Rs 200 that a bank lends, Rs 12.6 must be funded with Capital. Rest, Rs 187.4 can be from the money that bank borrowed.
Secondly it also introduces the concept of leverage ratio, it measures the ratio of banks total assets to bank's capital. Under the new set of guidelines, RBI has set the leverage ratio at 4.5% (3% under Basel III).
Leverage Ratio = Capital/Total Asset
Concept of leverage - for e.g.
If you have Rs 100 and you invest them and earns a profit of 10% i.e. you have profit of Rs 10 on Rs 100.This is called non leverage profit.
Now again you have Rs 100 and you borrow Rs 400 and invest Rs 500, earns a profit of 10% i.e. you earn Rs 50 on your Rs 100. This is called leverage profit.
With Higher leverage, Bank's Profit/Loss = Higher = Higher Risk also!
So now leverage ratio of 4.5% means for every Rs bank funds itself with, it can lend up to 22.22 Rs.
Challenges For It's Implementation In India
1. Capital - Since nearly 2.4 lakh crore rupees are required for its implementation in India.
2. Liquidity-During the global crisis 2008, the apparently strong banks of the world ran into difficulties when the inter bank wholesale funding market witnessed a seizure. Thus in Indian context, it would mean an additional burden of maintaining liquidity along with the SLR requirement.
3. Technology- BCBS is in the process of making significant changes in standard approach for computing RWAs for all three risk areas. Banks may need to upgrade their systems and processes to be able to compute capital requirements based on revised standard approach.
4. Skill development -Implementation of the new capital accord requires higher specialized skills in banks.
5. Governance-One can have the capital, the liquid assets and the infrastructure. But corporate governance will be the deciding factor in the ability of a bank to meet the challenges. Strong capital gives financial strength, it cannot assure good performance unless backed by good corporate governance.
Steps Taken by Government
(i) GOI has allowed banks to access markets to raise capital while maintaining a minimum 52% shareholding.
(ii) Govt. also launched a scheme called INDRADHANUSH to revamp PSBs. This scheme seeks to improve the efficiency and functioning of banks thereby reducing the bad assets. And also plans to infuse Rs 70,000 crore in the banking system over next 5 years.
In this regard government also announced two banks as DSIBs i.e. SBI and ICICI, based on the criteria of size, interconnectedness, complexity and substitutability.
Note: According to new Basel-III norms, which kick in from March 2019, Indian banks need to maintain a minimum capital adequacy ratio (CAR) of nine per cent, in addition to a capital conservation buffer, which would be in the form of common equity at 2.5 per cent of the risk weighted assets
How was the lvl of ob mock 1 for u guys?? Could only manage to get 39.25
St.- All A are B,all B are C
Cl.- some C being A is a possibility
True or false ???
BESIEGED meaning
a. Encircled
b. Skirted
c. Troubled
d. Destroyed
Discussion topic is " Future of banking industry". We ll start but many not participating. If needed to change timings or topics suggest here.
English Quiz for Banking entrance exams
Dear readers,
This quiz consists of questions from various Banking entrance exams held during the last few years. Leave your answers/ responses in the comments section below and we'll soon let you know the correct answers!
Directions (Q. 1-5): Out of the four words given in each of these questions may be wrongly spelt. The number of that wrongly spelt word is the answer. If all the four words are correctly spelt, mark (E) i.e. All correct as the answer.
1. (a) Defamation (b) Arrogant (c) Solitude (d) Exhorbitant (e) All Correct
2. (a) Decompose (b) Veteran (c) Ventursome (d) Definition (e) All Correct
3. (a) Wastefull (b) Prejudice (c) Expensive (d) Embarrassing (e) All Correct
4. (a) Significant (b) Possessive (c) Impatient (d) Device (e) All Correct
5. (a) Prosperous (b) Glumy (c) Dormant (d) Derogatory (e) All Correct
Directions (Q. 6-10): In each of these questions, a sentence with four words printed in bold type is given. These are lettered as (A), (B), (C) and (D). One of these four boldly printed words may be either wrongly spelt or inappropriate in the context of the sentence. Find out the word which is wrongly spelt or inappropriate, if any. The letter of that word is your answer. If all the words printed in bold are correctly spelt and also are appropriate in the context of the sentence mark (E) i.e. 'All Correct' as your answer.
6. Some people think their life is full of grief (a)/ and miseries (b)/ too grievous (c)/ to be born (d)/ All Correct (5)
7. The opinion (a)/ expressed (b)/ is based only on our transactions (c)/ with the party concerns (d)/ All Correct (e).
8. I was surprised (a)/ when I got confirmation (b)/ of the news that he was the recipient (c)/of the prestigious (d)/ award. All Correct (e)
9. The circumstances (a)/ in which the claim (b)/ was made are certainly (c)/ unbelievable (d)/ All Correct (e)
10. The authorities (a)/ always request our assistance (b)/ whenever they felt (c)/ they require (d)/ it. All Correct (e)
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Reasoning Quiz for Banking entrance exams
Dear readers,
This quiz consists of questions from various Banking entrance exams held during the last few years. Leave your answers/ responses in the comments section below and we'll soon let you know the correct answers!
Directions (Q. 1-5) In each question below are four statements followed by four statements conclusions numbered I, II, III and IV. You have to take the four given statements to be true even if they seem to be at variance from commonly known facts and then decide which of the given conclusions logically follows from the four given statements disregarding commonly known facts. Then, decide which of the answers (1), (2), (3), (4) and (5) is the correct answer and indicate it on the answer sheet.
Directions (Q.1-7) These questions are based on the following letters/numbers/symbols arrangement. Study it carefully and answer the questions
H T 6 # E 7 $ K I L % 3 P @ 2 A J ↑ R U 4 * V D
1. How many such symbols are there in the above arrangement, each of which is immediately preceded by a number and also immediately followed by a vowel ?
(1) None (2) One (3) Two (4) Three (5) More than three
2. Which element is fifth to the right of thirteenth from the right end?
(1) F (2) ↑ (3) J (4) K (5) None of these
3. What will come in place of the question mark (?) in the following series based on the above arrangement ?
T # 6, 7 K $, L 3 %, ?
(1) @2A (2) A@2 (3) P2@ (4) 2P@ (5) None of these
4. Which element is third to the left of tenth from the left end?
(1) K (2) 3 (3) P (4) $ (5) None of these
5. How many such letters are there in the given arrangement each of which is immediately preceded by a symbol but not immediately followed by a number?
(1) None (2) One (3) Two (4) Three (5) More than three
6. Four of the following five are alike in a certain way based on their positions in the given arrangement and so form a group. Which is the one that does not belong to the group?
(1) KL$ (2) P23 (3) 2J@ (4) L3I (5) 4D*
7. If all the numbers are removed from the given arrangement which element will be ninth from the left end?
(1) % (2) L (3) P (4) I (5) None of these
Directions (Q.8-10) Study the following information carefully to answer these questions.
Ashwini, Priya, Sudha, Rani, Meeta, Geeta and Mukta are sitting around a circle facing the centre. Ashwini is third to the left of Mukta and to the immediate right of Rani. Priya is second to the left of Geeta who is not an immediate neighbour of Meeta.
8. Who is to the immediate right of Priya?
(1) Meeta
(2) Sudha
(3) Mukta
(4) Cannot be determined
(5) None of the above
9. Who is second to the left of Rani?
(1) Ashwini (2) Meeta (3) Priya (4) Sudha (5) None of these
10. Which of the following pairs of persons has the first person sitting to the immediate left of second person?
(1) Rani-Meeta
(2) Ashwini-Geeta
(3) Sudha-Priya
(4) Geeta-Sudha
(5) None of these
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Everything about Bitcoin
INTRO
Bitcoin is a form of digital currency, created and held electronically. No one controls it. Bitcoin isn't just a currency, like dollars or euros or yen. It's a way of making payments, like PayPal or the Visa credit card network.
It's the first example of a growing category of money known as cryptocurrency. A software developer called Satoshi Nakamoto, who resides in total anonymity, proposed bitcoin in 2008, which was an electronic payment system. The idea was to produce a currency independent of any central authority, transferable electronically, more or less instantly, with very low transaction fees.
Basically, bitcoins are just long digital addresses and balances, stored in an online ledger called the "blockchain." Bitcoins can be broken into tiny pieces. Each bitcoin can be divided into one hundred million units, called Satoshis, after the currency's founder.
BITCOIN MINING
Bitcoins aren't printed, like dollars or euros - they're produced by people running computers all around the world to solve complex mathematical problems. That is, Bitcoins are 'mined', using computing power in a distributed network. The bitcoin protocol - the rules that make bitcoin work - say that only 21 million bitcoins can ever be created by miners, which is designed to happen in about the year 2040. There are presently more than 14.5 million units in circulation.
Whenever a new block in the chain of Bitcoin network is found, its owner is gifted with 50 Bitcoins. Technically, a computer has to perform long and tough hash calculations to find a new block.
HOW BITCOIN TRANSACTIONS TAKE PLACE
Bitcoin is a math-based currency. That means that the rules that govern bitcoin's accounting are controlled by cryptography. Basically, if you own some bitcoins, you own a private cryptography key that's associated with an address on the internet that contains a balance in the public ledger. The address and the private key let you make transactions. If someone wants to send you bitcoins, they need your address. If you want to send your bitcoins to someone else, you need your address and their address - but you also need your private cryptography key.
Users can hold multiple bitcoin addresses, and they aren't linked to names, addresses, or other personally identifying information.
Transactions happen when heavily encrypted codes are passed across a computer network. The network as a whole monitors and verifies the transaction, in a process that is intended to ensure no single Bitcoin can be spent in more than one place simultaneously.
& For more..
http://www.coindesk.com/information/what-is-bitcoin/
PM sectional test provide karta hai?