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Question 1/101/10
Data Analysis and Interpretation
Data Analysis and Interpretation
Data Analysis and Interpretation
A bank records the following loan disbursements (₹ lakh) for two quarters: Branch A, 240 and 300; Branch B, 180 and 234; Branch C, 320 and 368; Branch D, 200 and 250. Which branch had the greatest percentage increase from the first quarter to the second?
Select the answer:Select the answer
1 correct answer
A.
Branch A
B.
Branch B
C.
Branch C
D.
Branch D
Calculate each increase as (second-quarter amount − first-quarter amount) ÷ first-quarter amount × 100. The rates are A: 60/240 = 25%, B: 54/180 = 30%, C: 48/320 = 15%, and D: 50/200 = 25%. Branch B therefore has the largest proportional increase. Comparing absolute increases alone would be misleading because the branches began with different disbursement amounts.
Right Answer: B
Quiz
Question 2/102/10
Banking Awareness - Indian banking institutions and practices
Banking Awareness - Indian banking institutions and practices
Banking Awareness - Indian banking institutions and practices
A commercial bank needs short-term funds from the Reserve Bank of India and offers eligible government securities as collateral. The transaction is intended to inject liquidity into the banking system. Which RBI operation best fits this description?
Select the answer:Select the answer
1 correct answer
A.
Open-market sale of government securities
B.
Cash reserve ratio requirement
C.
Repo operation
D.
Standing deposit facility
In a repo operation, the RBI provides funds to banks against eligible securities, generally with an agreement to reverse the transaction later. This injects liquidity into the banking system. An open-market sale generally absorbs liquidity because banks pay the RBI for securities, while the cash reserve ratio is a reserve requirement rather than a borrowing operation. The standing deposit facility absorbs surplus funds from banks rather than lending to them.
Right Answer: C
Quiz
Question 3/103/10
Reasoning Ability - Patterns, analogies and coding
Reasoning Ability - Patterns, analogies and coding
Reasoning Ability - Patterns, analogies and coding
Complete the sequence: 5, 11, 23, 47, 95, __.
Select the answer:Select the answer
1 correct answer
A.
189
B.
190
C.
191
D.
193
Each term is obtained by multiplying the previous term by 2 and adding 1: 5 × 2 + 1 = 11, 11 × 2 + 1 = 23, and so on. Applying the same operation to the last term gives 95 × 2 + 1 = 191. The nearby options reflect likely arithmetic slips, such as doubling without adding 1 or adding the wrong amount.
Right Answer: C
Quiz
Question 4/104/10
Quantitative Aptitude - Computation and number properties
Quantitative Aptitude - Computation and number properties
Quantitative Aptitude - Computation and number properties
Evaluate the expression: (5/6 − 1/4) ÷ (7/12) + (3/5)².
Select the answer:Select the answer
1 correct answer
A.
16/25
B.
43/25
C.
34/25
D.
7/5
First perform the subtraction inside the parentheses: 5/6 − 1/4 = 10/12 − 3/12 = 7/12. Dividing 7/12 by 7/12 gives 1. The remaining term is (3/5)² = 9/25, so the total is 1 + 9/25 = 34/25. The division applies to the parenthesised difference, not to the entire expression.
Right Answer: C
Quiz
Question 5/105/10
Economy Awareness - Indian economy and monetary policy
Economy Awareness - Indian economy and monetary policy
Economy Awareness - Indian economy and monetary policy
A bank’s marginal cost of funds rises after the RBI raises the policy repo rate. Assuming the increase is transmitted to lending rates, which near-term effect is most consistent with the intended monetary-policy channel?
Select the answer:Select the answer
1 correct answer
A.
Borrowing becomes cheaper, encouraging credit demand and spending
B.
Borrowing becomes costlier, tending to moderate credit demand and aggregate spending
C.
Banks must automatically reduce their deposit rates by the same amount
D.
The RBI directly reduces the government’s fiscal deficit
A higher repo rate raises the cost of short-term funds available to banks and can influence their deposit and lending rates. If the increase is passed through, borrowers face higher financing costs, which tends to restrain credit demand and spending and thereby reduce demand-side inflationary pressure. The pass-through need not be immediate or exactly one-for-one, and the RBI does not directly set the fiscal deficit.
Right Answer: B
Quiz
Question 6/106/10
Digital Awareness - Digital financial services
Digital Awareness - Digital financial services
Digital Awareness - Digital financial services
Ravi receives a UPI collect request displaying a familiar shop’s name and an amount he expects to pay. He enters his UPI PIN to approve it. What does that approval authorize?
Select the answer:Select the answer
1 correct answer
A.
A credit to his account from the shop
B.
A request for the shop to verify Ravi’s account
C.
A debit from Ravi’s linked account to the requester
D.
A cancellation of the collect request
A UPI collect request asks the payer to authorize a payment. Entering the UPI PIN approves the debit from the payer’s linked bank account, subject to the displayed details and bank processing. It does not certify that money is being received. To receive funds, a person does not need to approve a collect request with a PIN; the requester should instead verify the transaction’s purpose and recipient before authorizing.
Right Answer: C
Quiz
Question 7/107/10
Banking Awareness - RBI circulars
Banking Awareness - RBI circulars
Banking Awareness - RBI circulars
A savings account has had no customer-initiated transaction for 26 months. During that time, the bank credited interest and posted a service charge. Under RBI instructions, how should the account be treated?
Select the answer:Select the answer
1 correct answer
A.
As inoperative only if the balance has also remained below the bank’s minimum threshold
B.
As active because any entry in the account resets the period
C.
As inoperative because bank-originated entries do not count as customer-induced transactions
D.
As dormant only after five years without any entry
An account is treated as inoperative when there has been no customer-induced transaction for a continuous period of more than two years. Entries initiated by the bank, such as interest credits or service charges, do not by themselves demonstrate customer activity and do not reset this period. The balance threshold and a five-year period are not the relevant tests for this classification.
Right Answer: C
Quiz
Question 8/108/10
English Language - Vocabulary, synonyms and antonyms
English Language - Vocabulary, synonyms and antonyms
English Language - Vocabulary, synonyms and antonyms
In the sentence “The spokesperson’s equivocal reply left investors unsure whether the merger had been approved,” equivocal most nearly means:
Select the answer:Select the answer
1 correct answer
A.
Technically detailed
B.
Deliberately ambiguous
C.
Firmly supportive
D.
Cautiously optimistic
An equivocal statement can be interpreted in more than one way, so it does not clearly commit the speaker to a position. The investors remain unsure because the reply is ambiguous. A technically detailed reply may still be clear, while a supportive or optimistic reply would communicate a more definite attitude.
Right Answer: B
Quiz
Question 9/109/10
Ethics - Ethical issues in banking
Ethics - Ethical issues in banking
Ethics - Ethical issues in banking
A borrower expressly declines optional credit-protection insurance, but the branch is under pressure to meet product targets. What should the relationship manager do?
Select the answer:Select the answer
1 correct answer
A.
Include the insurance because it protects both the borrower and the bank
B.
Explain that it is optional, respect the refusal, and record the customer's informed choice
C.
Submit the loan first and obtain the customer's decision after disbursement
D.
Describe the insurance as a lending condition if the branch has a sales target
A product target does not override informed consent or the customer's right to decline an optional product. The manager should explain relevant features and costs without misrepresenting the insurance as compulsory, then document the decision according to normal process. Obtaining consent after the transaction or implying that the loan depends on the purchase would undermine meaningful choice and could amount to mis-selling.
Right Answer: B
Quiz
Question 10/1010/10
Social Issues - Contemporary social issues
Social Issues - Contemporary social issues
Social Issues - Contemporary social issues
A district reports rising average household income, yet many families still lack adequate nutrition, sanitation and school attendance. Which interpretation best explains why the income trend alone may not establish that deprivation has fallen?
Select the answer:Select the answer
1 correct answer
A.
Income averages can conceal unequal distribution and non-income deprivations
B.
Income measures already include every health and education outcome
C.
Non-income indicators are relevant only when average income declines
D.
A rise in average income proves that deprivation has shifted to urban areas
Average income is an aggregate monetary measure; it can rise even when gains are concentrated among a limited group. It also does not directly show whether households have adequate nutrition, sanitation, health care or education. A multidimensional assessment therefore considers several overlapping deprivations rather than treating income growth as conclusive evidence that social disadvantage has ended.
IBPS PO Practice Test Practice test unlocks all online simulator questions
Thank you for choosing the free version of the IBPS PO Practice Test practice test! Further deepen your knowledge on Employment Test Simulator; by unlocking the full version of our IBPS PO Practice Test Simulator you will be able to take tests with over 306 constantly updated questions and easily pass your exam. 98% of people pass the exam in the first attempt after preparing with our 306 questions.
What to expect from our IBPS PO Practice Test practice tests and how to prepare for any exam?
The IBPS PO Practice Test Simulator Practice Tests are part of the Employment Test Database and are the best way to prepare for any IBPS PO Practice Test exam. The IBPS PO Practice Test practice tests consist of 306 questions divided by 18 topics and are written by experts to help you and prepare you to pass the exam on the first attempt. The IBPS PO Practice Test database includes questions from previous and other exams, which means you will be able to practice simulating past and future questions. Preparation with IBPS PO Practice Test Simulator will also give you an idea of the time it will take to complete each section of the IBPS PO Practice Test practice test . It is important to note that the IBPS PO Practice Test Simulator does not replace the classic IBPS PO Practice Test study guides; however, the Simulator provides valuable insights into what to expect and how much work needs to be done to prepare for the IBPS PO Practice Test exam.
IBPS PO Practice Test Practice test therefore represents an excellent tool to prepare for the actual exam together with our Employment Test practice test . Our IBPS PO Practice Test Simulator will help you assess your level of preparation and understand your strengths and weaknesses. Below you can read all the quizzes you will find in our IBPS PO Practice Test Simulator and how our unique IBPS PO Practice Test Database made up of real questions:
Info quiz:
Quiz name:IBPS PO Practice Test
Total number of questions:306
Number of questions for the test:50
Pass score:70%
Number of topics:18 Topics
Study topics:Number of questions:
Banking Awareness - Indian banking institutions and practices:17 Questions
Digital Awareness - Digital financial services:17 Questions
Economy Awareness - Indian economy and monetary policy:17 Questions
English Language - Grammar and Sentence Correction:17 Questions
English Language - Vocabulary, synonyms and antonyms:17 Questions
English Reading Comprehension:17 Questions
Ethics - Ethical issues in banking:17 Questions
Financial Awareness and Banking:17 Questions
General Awareness and Current Affairs:17 Questions
Logical Reasoning:17 Questions
Quantitative Aptitude - Arithmetic and Calculation:17 Questions
Quantitative Aptitude - Computation and number properties:17 Questions
Reasoning Ability - Patterns, analogies and coding:17 Questions
Social Issues - Contemporary social issues:17 Questions
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