BoB Office Assistant cheat sheet

Syllogism: 'All A are B' + 'All B are C' implies 'All A are C'; 'Some A are B' + 'All B are C' implies 'Some A are C'. 'No A is B' + 'All B are C' implies 'Some C are not A'.

Blood relations: draw a family tree using symbols (♂ male, ♀ female, = spouse, | parent-child). 'Brother of my father' = paternal uncle; 'daughter of my mother's only son' = granddaughter of the speaker's mother.

Direction sense: fix north up. Right turn = clockwise 90°, left turn = anticlockwise 90°. Net displacement after two opposite turns returns to original direction.

Coding-decoding: check letter position shifts (A=1 … Z=26), reverse alphabet (A↔Z), or positional sum. For number coding, test digit-wise operations before assuming a single shift.

Seating arrangement: for linear rows, note facing direction (north-facing left is your left; south-facing left is your right). For circular arrangements, clockwise/anticlockwise depends on facing centre or outside.

Order and ranking: if A is 5th from left and 8th from right in a row, total = 5 + 8 − 1 = 12. If A is 7th from left and B is 9th from right with 3 persons between them, total = 7 + 3 + 9 = 19 (when they are on opposite sides).

Inequalities: 'A > B ≥ C' implies A > C; 'A ≥ B = C' implies A ≥ C. Combine only transitive relations; do not combine '>' with '<' in the same chain.

Statement-assumption: an assumption is implicit only if it is necessary for the statement to make sense; a restatement of the statement is not an assumption.

Percentage change: successive changes of a% and b% give net change = a + b + ab/100. Increase then equal decrease always yields a net decrease.

Simple interest: SI = P × R × T / 100. Compound interest: CI = P(1 + R/100)^T − P; for 2 years, CI − SI = P(R/100)^2.

Profit and loss: profit% = (SP − CP)/CP × 100. If two articles are sold at same price with +x% and −x% profit/loss, net loss% = x²/100.

Time-speed-distance: distance = speed × time. If speed ratio is a:b, time ratio for same distance is b:a. Average speed for equal distances = 2xy/(x+y).

Boats and streams: downstream speed = boat + stream; upstream = boat − stream. Boat speed = (down + up)/2; stream speed = (down − up)/2.

Ratio and proportion: if a:b = c:d then ad = bc. To divide N in ratio a:b:c, shares are Na/(a+b+c), etc.

Averages: average = sum / count. If one value is replaced by a new value, change in average = (new − old)/count.

Permutation and combination: nPr = n!/(n−r)!; nCr = n!/[r!(n−r)!]. For circular arrangement of n distinct items, (n−1)! ways.

Mensuration: area of circle = πr²; circumference = 2πr; volume of cylinder = πr²h; volume of sphere = (4/3)πr³; total surface area of cube = 6a².

Subject-verb agreement: singular subject takes singular verb; 'one of + plural noun' takes singular verb ('One of the boys is here'). 'Each', 'every', 'either', 'neither' are singular.

Tenses: present perfect (has/have + past participle) is used for past actions with present relevance; simple past for finished actions with a definite past time marker (yesterday, last year).

Articles: 'a' before consonant sound, 'an' before vowel sound (an hour, a university). 'The' for unique or already specified nouns.

Prepositions: 'since' with a point of time, 'for' with a duration; 'between' for two, 'among' for more than two; 'in' for months/years, 'on' for days/dates.

Active to passive: object becomes subject; verb becomes appropriate form of 'be' + past participle; subject moves to 'by' phrase (omitted if unknown).

Direct to indirect speech: change present to past, 'today' to 'that day', 'tomorrow' to 'the next day', 'here' to 'there'; use 'if/whether' for yes-no questions.

Idioms: 'a piece of cake' = very easy; 'once in a blue moon' = very rarely; 'to let the cat out of the bag' = to reveal a secret; 'burn the midnight oil' = work late.

Cloze test: read the full passage first; choose the option that fits both grammar (collocation, preposition) and meaning (context) - do not pick a word only because it sounds familiar.

RBI: established 1 April 1935 under RBI Act 1934; nationalised 1 January 1949; headquarters Mumbai; current Governor (as of 2024) Shaktikanta Das.

Monetary policy: repo rate is the rate at which RBI lends to banks; reverse repo is the rate at which RBI absorbs liquidity. CRR and SLR are reserve requirements; MSF and Bank Rate are marginal standing and penal rates.

Banking types: scheduled banks are listed in the Second Schedule of RBI Act; payments banks can accept deposits up to ₹2 lakh per customer; small finance banks must lend 75% to priority sector.

Priority sector lending target: 40% of adjusted net bank credit for domestic commercial banks; 18% for agriculture; 7.5% for micro enterprises.

Financial inclusion: Pradhan Mantri Jan Dhan Yojana launched 28 August 2014; Mudra Yojana (2015) provides loans up to ₹10 lakh under Shishu, Kishor, Tarun categories.

Negotiable instruments: cheque, promissory note, bill of exchange. Cheque validity is 3 months from date; CTS clearing uses cheque truncation system.

Important days: National Banking Day 1 April; RBI Foundation Day 1 April; Nationalised Banks Day 19 July; Financial Literacy Day 15 March.

International institutions: IMF and World Bank established at Bretton Woods (1944); IMF headquarters Washington DC; World Bank headquarters Washington DC; ADB headquarters Manila.