IBPS Data Interpretation and Analysis 5 — Questions and Answers
Question 1: A table provides data on 6 banks' capital adequacy ratios (CAR): 13%, 11.5%, 14.2%, 10.8%, 12.5%, 15%. How many banks meet the RBI minimum CAR requirement of 12%?
- 3
- 4 (Correct answer)
- 5
- 2
Correct answer: 4
Banks with CAR ≥ 12%: 13%, 14.2%, 12.5%, 15% — four banks meet the requirement.
Question 2: From a table, Bank X's interest income is ₹400 crore and interest expense is ₹250 crore. Bank Y's are ₹350 crore and ₹200 crore respectively. Which bank has a higher Net Interest Margin as a percentage of its interest income?
- Bank X
- Bank Y (Correct answer)
- Both equal
- Cannot be determined
Correct answer: Bank Y
Bank X NIM% = 150/400 = 37.5%; Bank Y NIM% = 150/350 ≈ 42.9%; Bank Y is higher.
Question 3: A graph shows monthly remittances (₹ crore) for a bank: Jan=50, Feb=45, Mar=60, Apr=70, May=65, Jun=80. What is the range of the data?
- 30
- 35 (Correct answer)
- 40
- 25
Correct answer: 35
Range = Maximum − Minimum = 80 − 45 = 35 crore.
Question 4: A pie chart shows bank loan portfolio: Agriculture 28%, Housing 32%, MSME 20%, Personal 12%, Others 8%. If MSME loans total ₹40,000 crore, what is the total loan portfolio?
- ₹1,80,000 crore
- ₹2,00,000 crore (Correct answer)
- ₹2,20,000 crore
- ₹1,60,000 crore
Correct answer: ₹2,00,000 crore
20% = ₹40,000 crore, so total = 40,000 / 0.20 = ₹2,00,000 crore.
Question 5: A data set shows year-wise provisioning for bad loans (₹ crore): 2018=120, 2019=144, 2020=172.8, 2021=207.36. What is the constant percentage growth rate?
- 18%
- 20% (Correct answer)
- 22%
- 24%
Correct answer: 20%
Each year's provisioning is 1.2 times the previous (e.g., 144/120 = 1.2), confirming 20% growth.
Question 6: Two branches processed loan applications: Branch 1 approved 75 out of 120 applications; Branch 2 approved 90 out of 150. Which branch had a higher approval rate?
- Branch 1
- Branch 2
- Both equal (Correct answer)
- Cannot be determined
Correct answer: Both equal
Branch 1: 75/120 = 62.5%; Branch 2: 90/150 = 60% — Branch 1 is higher.
Question 7: A table shows year-wise bank credit (₹ lakh crore): 2019=100, 2020=108, 2021=116, 2022=127.6, 2023=140.36. In which year did credit grow the fastest in percentage terms?
- 2020
- 2021
- 2022 (Correct answer)
- 2023
Correct answer: 2022
Growth rates: 2020=8%, 2021≈7.4%, 2022≈10%, 2023≈10%; 2022 matches 10% and is the first peak year.
IBPS Data Interpretation and Analysis 5
A table provides data on 6 banks' capital adequacy ratios (CAR): 13%, 11.5%, 14.2%, 10.8%, 12.5%, 15%.
How many banks meet the RBI minimum CAR requirement of 12%?