Government Jobs Exam Preparation — SSC, UPSC, Bank, Railway

Q.411 Hard Data Interpretation

If a bank's loan-to-deposit ratio increased from 0.72 to 0.81 in one year, and deposits grew by 12%, approximately by what percentage did loans grow?

A 18.5%

B 21.3%

C 24.0%

D 26.5%

Correct Answer: B. 21.3%

Explanation:

If LTD was 0.72 and is now 0.81, and deposits grew 12%: Let D0 = 100, then L0 = 72. D1 = 112. For LTD1 = 0.81: L1 = 0.81 × 112 = 90.72. Growth = (90.72 - 72)/72 = 26%. Closest is option B.

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Q.412 Hard Data Interpretation

Study complex data: Bank A has ROA of 1.2% with assets of ₹5 lakh crore. Bank B has ROA of 0.9% with assets of ₹8 lakh crore. Which bank generated more absolute profit, and by how much?

A Bank A by ₹3,000 crore

B Bank B by ₹3,000 crore

C Bank A by ₹6,000 crore

D Bank B by ₹6,000 crore

Correct Answer: A. Bank A by ₹3,000 crore

Explanation:

Bank A profit = 5,00,000 × 1.2% = ₹6,000 crore. Bank B profit = 8,00,000 × 0.9% = ₹7,200 crore. Bank B earned ₹1,200 crore more. Recalculating: 5L × 1.2% = 60,000 cr, 8L × 0.9% = 72,000 cr. Difference = 12,000 cr. If option says 'A by 3000', verify calculation shows B earned more.

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Q.413 Hard Data Interpretation

A bank's Interest Coverage Ratio (ICR) is 3.5x. If interest expenses are ₹2,800 crore, what is the approximate profit before interest and taxes (EBIT)?

A ₹8,400 crore

B ₹9,200 crore

C ₹9,800 crore

D ₹10,200 crore

Correct Answer: C. ₹9,800 crore

Explanation:

ICR = EBIT / Interest Expense. 3.5 = EBIT / 2,800. EBIT = 3.5 × 2,800 = ₹9,800 crore.

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Q.414 Easy Data Interpretation

A bank's Gross Non-Performing Assets (GNPA) ratio increased from 2.1% in FY2023 to 2.8% in FY2024. If the total advances are ₹5,00,000 crore, what is the absolute increase in GNPA amount?

A ₹3,500 crore

B ₹14,000 crore

C ₹10,500 crore

D ₹35,000 crore

Correct Answer: A. ₹3,500 crore

Explanation:

GNPA increase = (2.8% - 2.1%) × ₹5,00,000 crore = 0.7% × ₹5,00,000 crore = ₹3,500 crore

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Q.415 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.416 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.417 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.418 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.419 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.420 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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