IBPS Data Interpretation 5 — Questions and Answers
Question 1: A table shows 4 banks' capital adequacy ratios (CAR %): Axis=16.2, ICICI=18.4, SBI=14.7, PNB=15.9. What is the difference between the highest CAR and the average CAR?
- 2.65%
- 1.65%
- 3.10%
- 2.10% (Correct answer)
Correct answer: 2.10%
Average = (16.2+18.4+14.7+15.9)/4 = 65.2/4 = 16.3%; Highest = 18.4%; Difference = 18.4−16.3 = 2.1%.
Question 2: A bank's balance sheet shows: Total Assets=₹8000 crore, Loans=₹5000 crore, Investments=₹2000 crore, Other Assets=₹1000 crore. What percentage of assets are invested in loans?
- 62.5% (Correct answer)
- 60%
- 65%
- 55%
Correct answer: 62.5%
Loans as % = (5000/8000)×100 = 62.5%.
Question 3: A line chart shows interest rates offered by a bank: Jan=6.5%, Feb=6.8%, Mar=7.2%, Apr=7.0%, May=6.9%. What was the percentage point decrease from March to May?
- 0.3 pp (Correct answer)
- 0.2 pp
- 0.1 pp
- 0.5 pp
Correct answer: 0.3 pp
March rate = 7.2%; May rate = 6.9%; Decrease = 7.2−6.9 = 0.3 percentage points.
Question 4: A clustered bar chart shows NPAs for PSU and Private banks over 3 years (₹ thousand crore): PSU: 6, 7, 8; Private: 1, 1.5, 2. By how much did the PSU-to-Private NPA ratio change from Year 1 to Year 3?
- Decreased by 2 (Correct answer)
- Increased by 2
- Remained same
- Decreased by 1
Correct answer: Decreased by 2
Year 1 ratio = 6/1 = 6; Year 3 ratio = 8/2 = 4; The ratio decreased by 2.
Question 5: ATM transaction data for 5 cities (thousands): Mumbai=850, Delhi=920, Chennai=480, Kolkata=560, Hyderabad=390. What is the combined share (%) of the top 2 cities?
- 55.3% (Correct answer)
- 50.1%
- 60.2%
- 48.7%
Correct answer: 55.3%
Total = 850+920+480+560+390 = 3200; Top 2 (Delhi+Mumbai) = 920+850 = 1770; Share = (1770/3200)×100 ≈ 55.3%.
Question 6: A bank offers two FD schemes: Scheme A pays 7% simple interest; Scheme B pays 6.5% compound interest (annual). For ₹1,00,000 over 2 years, which scheme yields more interest and by how much?
- A by ₹577.50 (Correct answer)
- B by ₹577.50
- A by ₹422.50
- B by ₹422.50
Correct answer: A by ₹577.50
A: SI = 1,00,000×0.07×2 = ₹14,000; B: CI = 1,00,000×(1.065²−1) = ₹13,422.50; A yields ₹577.50 more.
Question 7: A data table shows bank merger outcomes: Pre-merger combined assets = ₹12,000 crore, Post-merger assets = ₹11,400 crore due to asset rationalization. What percentage of assets was written off?
- 5% (Correct answer)
- 6%
- 4%
- 8%
Correct answer: 5%
Assets written off = 12,000−11,400 = 600 crore; % = (600/12,000)×100 = 5%.
IBPS Data Interpretation 5
A table shows 4 banks' capital adequacy ratios (CAR %): Axis=16.2, ICICI=18.4, SBI=14.7, PNB=15.9.
What is the difference between the highest CAR and the average CAR?