IBPS Data Interpretation and Analysis 5

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%?

Accepted Answer

4

Answer

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?

Accepted Answer

Bank Y

Answer

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?

Accepted Answer

35

Answer

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?

Accepted Answer

₹2,00,000 crore

Answer

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?

Accepted Answer

20%

Answer

Each year's provisioning is 1.2 times the previous (e.g., 144/120 = 1.2), confirming 20% growth.

IBPS - Institute of Banking Personnel Selection Practice Test

IBPS - Institute of Banking Personnel Selection Practice Test

IBPS Data Interpretation and Analysis 5