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

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

SSC · UPSC · Bank PO · Railway · NDA — Government Exam MCQ Practice

100 Questions 5 Topics Take Test

Showing 61–70 of 100 questions in Data Interpretation

Q.61 Easy Data Interpretation

A bank's Cost to Income Ratio decreased from 48% to 42% in FY2024. This indicates:

A Deterioration in operational efficiency

B Improvement in operational efficiency

C Increase in Non-Performing Assets

D Decrease in profitability

Correct Answer: B. Improvement in operational efficiency

Explanation:

Lower Cost to Income Ratio indicates better operational efficiency as operating costs are lower relative to income generated

Take Test

Q.62 Easy Data Interpretation

If a bank's Tier-II Capital is ₹45,000 crore and total Risk-Weighted Assets are ₹6,00,000 crore, calculate the Tier-II Capital Ratio:

A 6.5%

B 7.0%

C 7.5%

D 8.0%

Correct Answer: C. 7.5%

Explanation:

Tier-II Capital Ratio = (Tier-II Capital / RWA) × 100 = (45,000 / 6,00,000) × 100 = 7.5%

Take Test

Q.63 Medium Data Interpretation

A bank's Deposit Growth Rate was 12% and Advances Growth Rate was 15% in FY2024. What does this scenario suggest?

A Loan-to-Deposit ratio is decreasing

B Loan-to-Deposit ratio is increasing

C Credit expansion is slower than deposit mobilization

D The bank faces liquidity risk

Correct Answer: B. Loan-to-Deposit ratio is increasing

Explanation:

When advances grow faster than deposits (15% > 12%), the Loan-to-Deposit ratio increases, indicating higher credit expansion relative to deposit mobilization

Take Test

Q.64 Medium Data Interpretation

Analyze the quarterly data: Bank A's Non-Performing Assets decreased from ₹18,000 crore to ₹15,000 crore, while its Gross Advances remained ₹3,00,000 crore. Calculate the change in Gross NPA ratio:

A Decreased from 5% to 6%

B Increased from 5% to 6%

C Decreased from 6% to 5%

D Remained constant at 5.5%

Correct Answer: C. Decreased from 6% to 5%

Explanation:

Previous NPA ratio = (18,000/3,00,000) × 100 = 6%. New NPA ratio = (15,000/3,00,000) × 100 = 5%. The ratio decreased.

Take Test

Q.65 Medium Data Interpretation

A bank's Return on Equity (ROE) improved from 12% to 14.5% while its Net Profit Margin decreased from 28% to 26%. This suggests:

A Decrease in equity base

B Increase in leverage

C Decrease in total assets

D Increase in provisioning

Correct Answer: B. Increase in leverage

Explanation:

Improved ROE despite lower NPM indicates higher financial leverage (more debt relative to equity), amplifying returns to equity holders

Take Test

Q.66 Easy Data Interpretation

As per RBI's Monetary Policy 2024, what is the current Repo Rate (as of latest announcement)?

A 5.0%

B 6.0%

C 6.5%

D 7.0%

Correct Answer: C. 6.5%

Explanation:

The RBI Repo Rate stands at 6.5% as per the latest Monetary Policy Committee decision in 2024

Take Test

Q.67 Medium Data Interpretation

A bank's Asset Quality Indicator shows 8% Gross NPAs. If total Advances are ₹4,00,000 crore, and Provision Coverage Ratio is 65%, calculate the Net NPA ratio approximately:

A 2.8%

B 3.2%

C 3.8%

D 4.2%

Correct Answer: A. 2.8%

Explanation:

Gross NPAs = 8% × ₹4,00,000 = ₹32,000 crore. Provisions = 65% × ₹32,000 = ₹20,800 crore. Net NPAs = ₹32,000 - ₹20,800 = ₹11,200 crore. Net NPA ratio = (11,200/4,00,000) × 100 = 2.8%

Take Test

Q.68 Medium Data Interpretation

Which of the following is NOT a component of Basel III Tier-I Capital?

A Common Equity Tier 1

B Additional Tier 1 Capital

C Subordinated Debt

D Retained Earnings

Correct Answer: C. Subordinated Debt

Explanation:

Subordinated Debt is part of Tier-II Capital. Tier-I Capital comprises CET1 and AT1 Capital only

Take Test

Q.69 Medium Data Interpretation

A bank's Return on Assets (ROA) decreased from 1.2% to 0.95% while maintaining constant total assets of ₹8,00,000 crore. Calculate the decrease in Net Profit in rupees:

A ₹2,000 crore

B ₹2,500 crore

C ₹1,500 crore

D ₹3,000 crore

Correct Answer: A. ₹2,000 crore

Explanation:

ROA decrease = (1.2% - 0.95%) = 0.25%. Decrease in profit = 0.25% × ₹8,00,000 crore = ₹2,000 crore

Take Test

Q.70 Medium Data Interpretation

According to RBI's latest guidelines 2024, what is the maximum Loan-to-Value (LTV) ratio for retail housing loans to individual borrowers?

A 70%

B 75%

C 80%

D 85%

Correct Answer: C. 80%

Explanation:

RBI permits maximum 80% LTV for retail housing loans to individuals as per macroprudential guidelines to manage credit risk

Take Test

1…5 6 7 8 9 10

All Subjects & Topics