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Govt Exam — Bank PO / Clerk / RBI — Data Interpretation

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Showing 21–30 of 100 questions in Data Interpretation

Q.21 Easy Data Interpretation

Under Basel III norms applicable to Indian banks, what is the minimum Common Equity Tier 1 (CET1) capital ratio requirement?

A 4.5%

B 5.5%

C 6.5%

D 7.5%

Correct Answer: A. 4.5%

Explanation:

Basel III mandates a minimum CET1 ratio of 4.5% for all banks operating in India as per RBI guidelines

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Q.22 Easy Data Interpretation

A bank's Return on Equity (RoE) is 18% and its Return on Assets (RoA) is 1.5%. What is the approximate Equity Multiplier (Asset to Equity ratio)?

A 10x

B 12x

C 14x

D 16x

Correct Answer: B. 12x

Explanation:

RoE = RoA × Equity Multiplier; 18% = 1.5% × EM; EM = 18/1.5 = 12x

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Q.23 Easy Data Interpretation

Study the data: A private bank's customer deposits grew from ₹8,50,000 crore (Q1 FY2024) to ₹9,25,000 crore (Q4 FY2024). What is the percentage growth in deposits?

A 8.82%

B 9.12%

C 10.25%

D 11.45%

Correct Answer: A. 8.82%

Explanation:

Growth = [(9,25,000 - 8,50,000) / 8,50,000] × 100 = [75,000 / 8,50,000] × 100 = 8.82%

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Q.24 Easy Data Interpretation

If a bank's Statutory Liquidity Ratio (SLR) requirement is 18% and total deposits are ₹6,00,000 crore, what is the minimum amount it must invest in specified securities?

A ₹1,02,000 crore

B ₹1,08,000 crore

C ₹1,10,000 crore

D ₹1,15,000 crore

Correct Answer: B. ₹1,08,000 crore

Explanation:

SLR requirement = 18% × ₹6,00,000 crore = ₹1,08,000 crore

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Q.25 Easy Data Interpretation

A bank maintains a Cash Reserve Ratio (CRR) of 4.5% as per RBI mandate. If its total liabilities are ₹10,00,000 crore, calculate the minimum cash reserve required.

A ₹42,500 crore

B ₹45,000 crore

C ₹47,500 crore

D ₹50,000 crore

Correct Answer: B. ₹45,000 crore

Explanation:

CRR requirement = 4.5% × ₹10,00,000 crore = ₹45,000 crore

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Q.26 Medium Data Interpretation

Analyze the quarterly data: A bank's Net Interest Income (NII) was ₹12,000 crore (Q1), ₹13,200 crore (Q2), ₹14,520 crore (Q3), and ₹15,972 crore (Q4). What is the growth pattern?

A Arithmetic growth at 10% quarterly

B Geometric growth at 10% quarterly

C Declining growth rate

D Constant absolute growth of ₹1,500 crore

Correct Answer: B. Geometric growth at 10% quarterly

Explanation:

Each quarter shows 10% increase: Q1→Q2 = 10%, Q2→Q3 = 10%, Q3→Q4 = 10%, indicating compound/geometric growth

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Q.27 Medium Data Interpretation

A bank's Asset Quality Ratio improved from 94.2% in FY2023 to 96.8% in FY2024. If FY2023 advances were ₹4,50,000 crore, what was the approximate amount of standard assets?

A ₹4,23,900 crore

B ₹4,33,800 crore

C ₹4,43,500 crore

D ₹4,51,200 crore

Correct Answer: A. ₹4,23,900 crore

Explanation:

Standard assets = Asset Quality Ratio × Total Advances = 94.2% × ₹4,50,000 crore = ₹4,23,900 crore

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Q.28 Medium Data Interpretation

Examine the data: Bank X's Cost-to-Income Ratio decreased from 48% (FY2023) to 44% (FY2024). If operating expenses in FY2024 are ₹8,800 crore, what is the estimated operating income?

A ₹18,000 crore

B ₹20,000 crore

C ₹22,000 crore

D ₹24,000 crore

Correct Answer: B. ₹20,000 crore

Explanation:

Cost-to-Income Ratio = Operating Expenses / Operating Income; 44% = 8,800 / OI; OI = 8,800 / 0.44 = ₹20,000 crore

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Q.29 Medium Data Interpretation

A bank's advances grew by 15% year-on-year while deposits grew by 12% in FY2024. If the Loan-to-Deposit (LTD) ratio was 78% in FY2023, what is the approximate LTD ratio in FY2024?

A 79.2%

B 80.5%

C 81.8%

D 82.9%

Correct Answer: B. 80.5%

Explanation:

New LTD = (Advances × 1.15) / (Deposits × 1.12) × Old LTD = (1.15/1.12) × 78% = 1.0268 × 78% ≈ 80.5%

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Q.30 Medium Data Interpretation

Study the quarterly performance: Q1 profit: ₹5,600 crore, Q2 profit: ₹6,160 crore, Q3 profit: ₹6,776 crore, Q4 profit: ₹7,454 crore. What is the total annual profit and approximate quarterly growth rate?

A ₹25,990 crore with 10% growth

B ₹26,890 crore with 12% growth

C ₹27,990 crore with 10% growth

D ₹28,890 crore with 15% growth

Correct Answer: C. ₹27,990 crore with 10% growth

Explanation:

Total = 5,600 + 6,160 + 6,776 + 7,454 = ₹25,990 crore. Growth: Q1→Q2 = 10%, Q2→Q3 = 10%, Q3→Q4 = 10%

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