Correct me please....
does the DI section in SBI PO mains contain only DI questions or will it contain quant also..???
how many candidate applied for sbi po 2016???
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.
1. In a certain code JUST is written as #@%$ and LATE is written as ©↑$*. How is TASTE written in that code ?
(1) *↑%$*
(2) $↑%$*
(3) $↑%*$
(4) $%↑%*
(5) None of these
2. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to the group?
(1) 25 (2) 64 (3) 189 (4) 225 (5) 121
3. How many meaningful English words can be formed from the letter 'AIPR' using each letter only once ?
(1) None (2) One (3) Two (4) Three (5) More than three
4. How many such pairs of letters are there in the word DOMESTIC, each of which has as many letters between them in the word as they have in the English alphabet ?
(1) None (2) One (3) Two (4) Three (5) More than three
5. How many such digits are there in the number 7346285, which are as far away from the beginning of the number, as they will be when arranged in ascending order within the 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 and so form a group. Which is the one that does not belong to the group ?
(1) Boy (2) Girl (3) Lady (4) Man (5) Child
7. If Blue is called Green, Green is called Orange, Orange is called Yellow, Yellow is called Black, Black is called Red and Red is called White. What is the colour of turmeric ?
(1) Orange (2) Green (3) White (4) Black (5) None of these
8. If it is possible to make only one meaningful word from the first, the third, the fifth and the eleventh letters of the word INHERITANCE using each letter only once, second letter of that word is your answer. If more than one such word can be formed your answer is X, if no such word can be formed your answer is Y
(1) E (2) I (3) R (4) X (5) Y
9. Four of the following five are alike in a certain way and so form a group. Which is the one that does not belong to the group ?
(1) CE (2) KI (3) FD (4) WU (5) MK
10. Nandini is the only daughter of Madan's sister Sangita's brother. How is Nandini related to Madan ?
(1) Daughter
(2) Niece
(3) Cousin
(4) Niece/Daughter
(5) None of the above
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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!
Traditional bank architecture is based on bank branches. These branches ensure the physical (1) of a customer's savings. A customer may go there to deposit and withdraw money, (2) loans and (3) in other financial transactions. In the past two decades banking architecture has changed the Automated Teller Machine (ATM) has been a big (4) and credit and debit cards have created new financial spaces. (5) the bank branch has remained the bedrock of the banking system after all a person needs a bank account in a branch before he can operate a debit or ATM card. This may be about to change as technocrats now (6) cell phones as the new architecture of virtual banks. This has the potential to make branches (7). Cell phone banking looks especially relevant for India, since it can penetrate the countryside cheaply and (8). The world over cell phones are spreaing at a (9) rate and in India alone new cell phone connection are growing at the rate of six million a month a rate of customer (10) that no bank can dream of.
1.
(a) Knowledge
(b) security
(c) presence
(d) confidentiality
(e) guarantee
2.
(a) negotiate
(b) advance
(c) credit
(d) disburse
(e) sanction
3.
(a) pursue
(b) interact
(c) operate
(d) enable
(e) engage
4.
(a) drawback
(b) hurdle
(c) consequence
(d) luxury
(e) innovation
5.
(a) Despite
(b) Although
(c) Even
(d) Yet
(e) Until
6.
(a) view
(b) realise
(c) display
(d) engineer
(e) assess
7.
(a) essential
(b) obsolete
(c) extant
(d) retreat
(e) expired
8.
(a) moderately
(b) occasionally
(c) compulsorily
(d) indiscriminately
(e) effectively
9.
(a) phenomenal
(b) gradual
(c) proportionate
(d) competitive
(e) projected
10.
(a) discount
(b) base
(c) expansion
(d) satisfaction
(e) relationship
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Ten persons are sitting in two parallel rows containing five persons each. In row 1, Amitabh, Rakesh, Akshay, Arti and Ritesh are sitting and all of them are facing south. In row 2, Jaya, Poonam, Twinkle, Gaurav and Genelia are sitting and all of them are facing north. In the given seating arrangement, each member seated in a row faces another member of the other row. Moreover, each of them belongs to different cities — Meerut, Gurgaon, Begusarai, Hajipur, Noida, Cuttack, Banaras, Haridwar, Allahabad and Mednipur but not necessarily in the same order. There are only two persons sitting between the person from Merrut, who sits at an extreme end, and Ritesh. Jaya, who sits in the middle of the row, is not an immediate neighbour of Poonam, who is not from Mednipur. Genelia is sitting at an extreme end. Ritesh, from Noida , sits on the immediate right of the person from Gurgaon and faces the immediate neighhour of Poonam. Rakesh is not sitting at the extreme left end. Jaya is not from Allahabad. There is only one person between Akshay and Arti, who is from Meerut. Gaurav, from Cuttack, is an immediate neighbour of the person from Mednipur and does not face the person from Begusarai.Twinkle, who is from Hajipur, is an immediate neighbour of the person from Allahabad, who in turn faces the immediate neighbour of the person from Noida. There are two persons between the person from Banarasand the person from Begusarai. Rakesh is not from Banaras. Genelia is not from Haridwar.
PLEASE SOLVE THIS:
STATEMENTS: ALL KITES ARE BIRDS, NO BIRD IS AN ANIMAL, ALL ANIMAL ARE CLOUDS.
CONCLUSIONS:(1) AT LEAST SOME BIRDS ARE CLOUDS.(2) ALL CLOUDS BEING BIRDS IS A POSSIBILITY.
OPTIONS:(1)
CONCLUSION 2 IS TRUE,(2) EITHER CONCLUSION 1 OR 2 IS TRUE,(3) BOTH
CONCLUSION 1 AND 2 ARE TRUE,(4) NEITHER CONCLUSION 1 NOR 2 IS TRUE,(5)
ONLY CONCLUSION 1 IS TRUE.
The digit at units place of a 2 digit number is increased by 50% and the digit at tens place is increased by 100%. now, we find that the new number is 33 more than the original number. find the new number.
Gradestack gk capsule for sbi and uiic gs-blog-images.s3-ap-southeast-1.amazonaws.com/blogs/wp-content/uploads/2016/06/07194324/GK-TORNADO-UIIC-AO-EXAM-2016.pdf
Seva Samapt, OK bye !
Plz Explain...
Practice Mock prelims 7 score
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50
- 43 to 49
- 38 to 42
- 31 to 37
- <30
- not giving pm mocks
0 voters
How the Bank functions? How will they get profit?
when you go the banks there are primarily two things, either you are going to deposit money or to take some loan from bank.
So when we deposit money in the banking system, they are required to pay us interest,
1. Current a/c Deposit - the interest rate will be zero, the second one is the
2. Saving a/c Deposit some interest is paid around 4% , next comes
3. Fixed deposit a/c and Recurring deposit a/c, then one more category is there
4. Bulk deposits - Bank deposits primarily constitutes these 5 types in general and when we deposit money with the bank they are required to pay interest to us and that interest varies, the interest which they pay varies depending on the deposit. As banks are required to pay us interest the deposits with the banks are known as liabilities.
Now what is liability? What is asset?
Suppose you have a brother who always gives you money, he is your asset. Look at the other scenario you have a brother who always asks you money, he will be your liability. Similarly when you deposit money with the banking system they are required to pay us interest and the avg. interest of all these deposits put together is known as COST OF FUNDS for banks. The cost of funds should be as low as possible.
Now how to reduce this cost of funds?
Cost of funds can be reduced if banks have more current a/c and saving a/c deposits because -
1. In Current a/c banks are not required to pay any interest and
2. In Saving a/c the interest rate is very less around 4%.
But if banks have more fixed deposits, the cost of funds will be more. That's why in the banking system banks requires more current a/c and saving a/c deposits, but the problem here is CASA deposits can be withdrawn at any point of time, they are unstable deposits, today he may deposit 10 crores , tomorrow he may withdraw all the 10 crores, that's why they are volatile deposits.
But fixed deposits, they are for fixed terms, banks can plan their activities, so the advantage of having more fixed deposits is, these deposits are stable, banks can plan their loans. That's why banks have to judiciously mix support these deposits.
YIELD OR INCOME
ASSETS
Now we are looking at loan. There are several types of loans - house loans, mortgage loans, corporate loan,personal loans.
Banks are giving loan to us we pay interest to the banks, that's why they are assets for the banking system and the income which they are getting is known as YIELD OR INCOME. The avg. interest which bank get on loans is known as YIELD OR INCOME. Yield should be as high as possible, but because of the competition b/w various banks they cannot increase interest rate on loans. If one bank increases the customer will go to second bank, their difference is hardly 0.25% or 5%.
NET INTEREST MARGIN
The gap b/w these two i.e COST OF FUNDS and YIELD/INCOME should be minimum 3%which is known as NET INTEREST MARGIN(NIM). With these gap banks have to pay- salary, rent on their premises, banks have to pay for their operations and they have to get profit also. This banking is called viable banking. Banks require this NIM of 3% to ensure profitability.
Ex- Let us assume banks have Rs. 100 cr of money and cost of fund is 6%, that means they have to pay Rs. 6 cr per annum. If the yield is 9% they will get Rs. 9 cr per annum, that means the difference Rs.3 cr is the income which they get on Rs. 100 cr and they have to meet all their expenses within this Rs.3 cr and have to ensure profitability with this gap only. If the NIM is less than 3% then its not sufficient to ensure profitability.
CONSIDER CASE-1==Viable banking operation & CASE-2==Strained banking operation
CASE-1 - NIM is greater than or equal to 3%. Is met by SBI, ICICI, HDFC, AXIS Bank
CASE-2 - NIM is less than 3%. Small banks like ANDHRA BANK,UNITED BANK OF INDIA,STATE BANK OF MYSORE. NIM is around 2.5%.
Hence the core of the Banking Operations lies in
Keeping Cost of Funds as minimum as possible so as to keep High Net Interest Margins
Challenges for Public Sector Banks (Barring SBI)
- Unable to attract current account deposits
- Not matching with technological upgradation of private sector banks.
- Bureaucratic apathy.
- High Non Performing Assets (NPAs)
- Lagging in personalised service.
- Emphasis by government for opening zero balance accounts like BSBDA, PMJDY etc.
Most of the public sector banks are struggling with NIM's of 2.2% to 2.7%. Hence these banks are not able to achieve desired levels of profitability. Smaller public sector banks are unable to attract current a/c deposits that is the main reason why their NIM is less than 3%.
Anyone have Data Interpretation by K. Kundan pdf link ?
Is Any one having application examples as per syllabus of sbi mains?
can anyone post formal letter format plz...
Guys, in the sbi main exam, total questions is 155 and Max marks is 200. How is this possible?
16 15 20 43 102 ?
People looking for DI book ---- DI by Arun Sharma :
https://drive.google.com/file/d/0B0vdR_jt9M--ektqcDcyVkZLRFk/view