Govt. Exams
Entrance Exams
Basel III aims to strengthen bank resilience to financial stress through enhanced capital requirements, improved risk management, and better liquidity standards, thereby enhancing overall financial stability.
Cooperative Banks are regulated jointly by RBI (for scheduled cooperative banks) and respective State Governments under dual regulatory framework in India.
Cost-to-Income Ratio shows operating costs as percentage of operating income. A decrease from 48% to 44% indicates that the bank is spending less to generate each rupee of income, showing improved operational efficiency.
Asset Quality Ratio (NPA ratio) measures gross NPAs as percentage of gross advances. A decrease from 2.1% to 1.8% indicates improvement in overall loan quality and reduced stressed assets.
Basel III framework comprises CET1, Tier 1, and Tier 2 capital. Tier 3 Capital was part of Basel II but has been eliminated in Basel III. RBI has adopted Basel III norms.
The Reserve Bank of India (RBI) is the primary regulator responsible for UPI guidelines, digital banking infrastructure, and payment system oversight
The RBI Repo Rate stands at 6.5% as per the latest Monetary Policy Committee decision in 2024
Tier-II Capital Ratio = (Tier-II Capital / RWA) × 100 = (45,000 / 6,00,000) × 100 = 7.5%
Lower Cost to Income Ratio indicates better operational efficiency as operating costs are lower relative to income generated
Under Basel III framework as implemented by RBI in 2024, the minimum CET1 ratio for SCBs is 6.5%, with an additional buffer requirement
About Banking Exam Practice on iGET
Banking exams in India — conducted by IBPS (for nationalised banks) and SBI (for State Bank of India) — are among the most sought-after government job opportunities. Major exams include IBPS PO, IBPS Clerk, IBPS RRB, SBI PO, SBI Clerk, RBI Grade B, and NABARD. Each follows a similar pattern: Prelims, Mains, and Interview/GD (for officer-level posts).
iGET's banking practice covers all five core sections: Quantitative Aptitude (DI, simplification, number series), Reasoning Ability (puzzles, seating arrangement, syllogism), English Language (cloze test, error detection, RC), General Awareness with Banking Awareness (current affairs, economy, banking terminology), and Computer Aptitude.
Why iGET works for banking aspirants
Sectional tests matching IBPS/SBI exact pattern, latest pattern-based questions, banking awareness updated regularly, mock tests with negative marking, detailed solutions for every question, and topic-wise practice for weak areas.
Pro tip
Banking exams reward speed. In Prelims, you have ~35 seconds per question on average. Practice with a timer from day one. For Mains, focus on Banking Awareness — it's often the difference between selection and rejection.
