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Question 1/101/10
Data Analysis & Interpretation - Tables and charts
Data Analysis & Interpretation - Tables and charts
Data Analysis & Interpretation - Tables and charts
A bank's monthly application table shows applications received and approved as follows: January 900 and 540; February 960 and 552; March 720 and 468; April 1,080 and 594; May 900 and 540. What was the overall approval rate for the five months, rounded to one decimal place?
Select the answer:Select the answer
1 correct answer
A.
58.9%
B.
59.8%
C.
59.1%
D.
60.2%
The overall approval rate must be calculated from the combined counts, not by taking an unweighted average of the five monthly rates. Total approvals are 2,694, while total applications are 4,560. Thus, 2,694 ÷ 4,560 × 100 is approximately 59.08%, which rounds to 59.1%. Weighting by each month's application volume is essential because the monthly totals differ.
Right Answer: C
Quiz
Question 2/102/10
Banking Awareness - Banking products and operations
Banking Awareness - Banking products and operations
Banking Awareness - Banking products and operations
A manufacturer needs a revolving working-capital facility whose usable amount changes with eligible stock and receivables. Which product most closely fits this requirement?
Select the answer:Select the answer
1 correct answer
A.
A term loan with fixed instalments
B.
A cash-credit facility supported by a drawing-power assessment
C.
A bill-purchase facility limited to accepted bills
D.
An overdraft secured solely by a fixed deposit
Cash credit is commonly used to finance working capital, with drawings permitted within an approved limit and often constrained by drawing power calculated from eligible current assets after prescribed adjustments. A term loan is generally disbursed for a defined purpose and repaid on a schedule. Bill finance is tied to bills, while an overdraft against a fixed deposit depends on that security rather than a changing stock-and-receivables base.
Right Answer: B
Quiz
Question 3/103/10
Quantitative Aptitude - Number series and simplification
Quantitative Aptitude - Number series and simplification
Quantitative Aptitude - Number series and simplification
In the sequence 7, 14, 31, 68, 145, what is the next term?
Select the answer:Select the answer
1 correct answer
A.
302
B.
300
C.
304
D.
298
Compare consecutive terms rather than the terms themselves. The differences are 7, 17, 37 and 77. Each difference is obtained by doubling the previous difference and adding 3: 7 × 2 + 3 = 17, 17 × 2 + 3 = 37, and 37 × 2 + 3 = 77. The next difference is therefore 77 × 2 + 3 = 157, giving 145 + 157 = 302.
Right Answer: A
Quiz
Question 4/104/10
Economy Awareness - Macroeconomic indicators
Economy Awareness - Macroeconomic indicators
Economy Awareness - Macroeconomic indicators
An economy records nominal GDP growth of 9% and real GDP growth of 5% over the same period. Using the approximate relationship between these growth rates, which inference is most appropriate?
Select the answer:Select the answer
1 correct answer
A.
The GDP deflator fell by about 4%
B.
The consumer price index rose by about 9%
C.
The GDP deflator rose by about 4%
D.
Real output rose by about 14%
Nominal GDP growth reflects changes in both the volume of output and the prices of domestically produced final goods and services. Approximately, nominal growth equals real growth plus GDP-deflator inflation. Thus, 9% minus 5% implies deflator inflation of about 4%. This does not establish that the CPI rose by 4%, because the CPI measures a different basket and includes imported consumer goods.
Right Answer: C
Quiz
Question 5/105/10
Financial Awareness - Financial markets and instruments
Financial Awareness - Financial markets and instruments
Financial Awareness - Financial markets and instruments
A bank needs short-term liquidity and obtains funds from the central bank against eligible securities, agreeing to repurchase those securities later at a predetermined price. The transaction is best classified as:
Select the answer:Select the answer
1 correct answer
A.
An outright open-market purchase by the central bank
B.
A repo transaction in which the bank borrows funds
C.
An unsecured interbank call-money borrowing
D.
A reverse repo in which the bank lends funds
In a repo, the cash borrower transfers securities to the lender and agrees to repurchase them later; economically, it is a collateralised borrowing. Here the bank receives funds and the central bank provides them, so the bank is borrowing through a repo. An outright open-market purchase has no agreed repurchase leg, while a reverse repo describes the cash lender’s perspective.
Right Answer: B
Quiz
Question 6/106/10
Digital Awareness - Digital banking and payments
Digital Awareness - Digital banking and payments
Digital Awareness - Digital banking and payments
During a UPI payment, a customer receives a collect request from an unfamiliar VPA claiming that approval is needed to receive a prize. The screen asks the customer to enter a UPI PIN. What is the safest interpretation and response?
Select the answer:Select the answer
1 correct answer
A.
The PIN confirms the prize credit, so approve the request
B.
The request seeks authorization for a debit, so decline it
C.
The PIN verifies the recipient’s identity without moving funds
D.
The request is harmless if the VPA displays a familiar bank name
A UPI PIN is used to authorize a debit from the payer’s account; it is not needed to receive money. A collect request asks the recipient to approve a payment to the requester. The customer should decline an unexpected request and verify any genuine transaction independently. A familiar-looking name does not establish that the requester is legitimate, since display names can be misleading.
Right Answer: B
Quiz
Question 7/107/10
Data Analysis & Interpretation - Data sufficiency
Data Analysis & Interpretation - Data sufficiency
Data Analysis & Interpretation - Data sufficiency
A bank's branch manager wants to determine the ratio of the number of loan applications approved to those rejected. Is the information sufficient? Statement I: The total number of applications was 90, and 18 more were approved than rejected. Statement II: The total number of applications was 100.
Select the answer:Select the answer
1 correct answer
A.
Statement I alone is sufficient, but Statement II alone is not sufficient.
B.
Statement II alone is sufficient, but Statement I alone is not sufficient.
C.
Both statements together are sufficient, but neither alone is sufficient.
D.
Each statement alone is sufficient.
E.
Even both statements together are insufficient.
Let the approved and rejected counts be a and r. Statement I gives a + r = 90 and a − r = 18, which determine a = 54 and r = 36, so the ratio is 3:2. Statement II gives only the total and cannot determine how many applications fall in either category. Therefore, Statement I alone suffices.
Right Answer: A
Quiz
Question 8/108/10
RBI circulars - Regulatory directions for banks
RBI circulars - Regulatory directions for banks
RBI circulars - Regulatory directions for banks
A bank’s lending policy permits exposure above a limit that a newly applicable RBI direction expressly makes mandatory. The direction allows no bank-level waiver. The compliance team should recommend that the bank:
Select the answer:Select the answer
1 correct answer
A.
Continue under the existing policy until the next annual review, because the policy was board-approved
B.
Apply the RBI limit from its stated effective date and revise the inconsistent policy
C.
Apply the direction only to new branches, while existing branches retain their approved limits
D.
Seek approval from the bank’s board to treat the RBI limit as advisory
A bank’s board-approved policy cannot override a mandatory RBI direction. The bank must comply from the direction’s stated effective date and amend any inconsistent internal policy and controls. Board approval may be relevant to implementing the change, but it cannot convert a binding requirement into an advisory one or authorize a waiver that the direction does not permit.
Right Answer: B
Quiz
Question 9/109/10
Quantitative Aptitude - Algebra and equations
Quantitative Aptitude - Algebra and equations
Quantitative Aptitude - Algebra and equations
For positive numbers x and y, x + y = 11 and x² + y² = 65. What is |x − y|?
Select the answer:Select the answer
1 correct answer
A.
3
B.
5
C.
7
D.
9
Squaring the sum gives (x + y)² = x² + y² + 2xy, so 121 = 65 + 2xy and xy = 28. Then (x − y)² = x² + y² − 2xy = 65 − 56 = 9. Since the question asks for the non-negative absolute difference, |x − y| = 3; the sign of x − y is not needed.
Right Answer: A
Quiz
Question 10/1010/10
Economic issues
Economic issues
Economic issues
A household’s nominal income rises by 8% over a year while the relevant consumer price index rises by 6%. Using the exact ratio method, approximately how much does its purchasing power increase?
Select the answer:Select the answer
1 correct answer
A.
1.7%
B.
2.0%
C.
1.9%
D.
14.0%
Real income growth is calculated by dividing the nominal-income index by the price index, then subtracting one: (1.08 ÷ 1.06) − 1 ≈ 0.0189, or about 1.9%. Subtracting the two rates gives 2 percentage points, a useful approximation but not the exact rate. Adding them would confuse nominal growth with real purchasing-power growth.
IBPS PO Practice test unlocks all online simulator questions
Thank you for choosing the free version of the IBPS PO practice test! Further deepen your knowledge on Banking Exams Simulator; by unlocking the full version of our IBPS PO Simulator you will be able to take tests with over 273 constantly updated questions and easily pass your exam. 98% of people pass the exam in the first attempt after preparing with our 273 questions.
What to expect from our IBPS PO practice tests and how to prepare for any exam?
The IBPS PO Simulator Practice Tests are part of the Banking Exams Database and are the best way to prepare for any IBPS PO exam. The IBPS PO practice tests consist of 273 questions divided by 21 topics and are written by experts to help you and prepare you to pass the exam on the first attempt. The IBPS PO 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 Simulator will also give you an idea of the time it will take to complete each section of the IBPS PO practice test . It is important to note that the IBPS PO Simulator does not replace the classic IBPS PO 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 exam.
IBPS PO Practice test therefore represents an excellent tool to prepare for the actual exam together with our Banking Exams practice test . Our IBPS PO 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 Simulator and how our unique IBPS PO Database made up of real questions:
Info quiz:
Quiz name:IBPS PO
Total number of questions:273
Number of questions for the test:50
Pass score:70%
Number of topics:21 Topics
Study topics:Number of questions:
Banking Awareness - Banking products and operations:13 Questions
Data Analysis & Interpretation - Data sufficiency:13 Questions
Data Analysis & Interpretation - Tables and charts:13 Questions
Digital Awareness - Digital banking and payments:13 Questions
English Language - Grammar and Sentence Correction:13 Questions
English Reading Comprehension:13 Questions
Ethics:13 Questions
Financial Awareness - Financial markets and instruments:13 Questions
General Awareness and Current Affairs:13 Questions
Quantitative Aptitude - Algebra and equations:13 Questions
Quantitative Aptitude - Arithmetic and Calculation:13 Questions
Quantitative Aptitude - Number series and simplification:13 Questions
RBI circulars - Regulatory directions for banks:13 Questions
Reasoning Ability - Puzzles and Seating Arrangements:13 Questions
Reasoning Ability - Syllogism and Inequality:13 Questions
Social issues:13 Questions
Technology - Emerging trends in banking:13 Questions
Vocabulary and Language Usage:13 Questions
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