IBPS RRB Treasury Manager flashcards
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32 cards. Read the term and the definition here. The deck at the top of this page is optional.
- Syllogism valid conclusion
- From 'All A are B' and 'All B are C', the valid conclusion is 'All A are C'. From 'Some A are B' and 'All B are C', the valid conclusion is 'Some A are C'.
- Blood relation notation
- Use '+' for male and '−' for female; vertical lines show parent-child links and horizontal lines show siblings or spouses. This prevents gender and generation errors in complex puzzles.
- Circular seating left/right
- When people face the centre, a person's left is clockwise and right is anti-clockwise. When they face outward, the directions reverse. Always note the facing direction before placing anyone.
- Ranking total formula
- If a person is Lth from the left and Rth from the right, total = L + R − 1. If there are G people between two such positions, total = L + R + G.
- Data sufficiency rule
- A statement is sufficient only if it produces exactly one unique answer. If two statements give different unique values, the data is inconsistent and neither alone is sufficient.
- Coding-decoding letter shift
- Map letters to numbers A=1 to Z=26. If the coded word shows a constant shift, apply the same shift to decode; if the shift alternates, check odd and even positions separately.
- Inequality chain rule
- In 'A > B ≥ C', A is strictly greater than C and B is at least C. Combining a strict and a non-strict inequality in the same direction keeps the strict sign in the conclusion.
- Simple interest formula
- SI = P × R × T / 100, where P is principal, R is the annual rate in percent, and T is time in years. The amount is A = P + SI.
- Compound interest formula
- A = P(1 + R/100)^T and CI = A − P. For half-yearly compounding, replace R with R/2 and T with 2T. For quarterly, use R/4 and 4T.
- Successive profit-loss trap
- If two articles are sold at the same price, one at +x% profit and the other at −x% loss, the seller always makes a net loss of x²/100 percent, regardless of the selling price.
- Train crossing platform
- The total distance covered when a train of length L crosses a platform of length P is L + P. Time = (L + P)/speed, with speed converted to metres per second.
- Boats and streams
- Downstream speed = boat speed in still water + stream speed. Upstream speed = boat speed − stream speed. The average speed for a round trip is (down × up)/(down + up) × 2.
- Average after adding item
- New average = (old sum + new value)/(old count + 1). If every item in a set is increased by k, the average increases by exactly k.
- Combination formula
- nCr = n!/[r!(n−r)!] gives the number of ways to choose r items from n without regard to order. For 'at least one', use 1 − P(none).
- Percentage change formula
- Percentage change = (new value − old value)/old value × 100. A positive result is an increase; a negative result is a decrease. Always use the original value as the base.
- Subject-verb agreement rule
- A singular subject takes a singular verb. In 'one of the + plural noun', the verb agrees with 'one' and is singular, as in 'One of the boys is present'.
- Since versus for
- Use 'since' with a point of time (since 2010) and 'for' with a duration (for five years). Use 'between' for two items and 'among' for more than two.
- Present perfect tense use
- Present perfect (has/have + past participle) describes a past action with present relevance and takes no definite past time marker. Simple past is used with a definite past time such as 'yesterday'.
- Parallelism in lists
- Items joined by 'and', 'or', or 'but' must share the same grammatical form. A verb must not be paired with a noun or an adjective in the same list.
- Cloze test strategy
- Read the entire passage before choosing. The correct option must fit both the grammar of the sentence and the meaning of the surrounding context; eliminate options that break either.
- Hindi sandhi types
- स्वर संधि में दो स्वर मिलते हैं (अ + आ = आ)। व्यंजन संधि में व्यंजन का परिवर्तन होता है। विसर्ग संधि में विसर्ग बदलता या लुप्त होता है।
- Hindi samas identification
- तत्पुरुष समास में उत्तर पद प्रधान होता है और पूर्व पद का कारक लुप्त रहता है। द्वंद्व समास में दोनों पद समान रूप से प्रधान होते हैं।
- Repo rate
- The repo rate is the rate at which the Reserve Bank of India lends short-term funds to commercial banks against government securities. An increase in the repo rate raises borrowing costs and tightens liquidity.
- CRR and SLR
- CRR is the share of net demand and time liabilities that banks must keep as cash with the RBI. SLR is the share they must hold in approved liquid assets such as government securities.
- Treasury bill features
- Treasury bills are zero-coupon money-market instruments issued by the Government of India at a discount to face value. They mature in 91, 182, or 364 days and carry sovereign credit risk.
- Bond price-yield relationship
- Bond prices and yields move inversely. When market interest rates rise, the price of an existing fixed-coupon bond falls so that its yield matches the new market rate.
- Call money market
- The call money market handles overnight, unsecured borrowing and lending between banks. The call rate is a key daily indicator of short-term liquidity in the banking system.
- Basel III capital ratios
- Basel III sets minimum CET1 capital at 4.5%, Tier 1 capital at 6%, and total capital at 8% of risk-weighted assets, plus a capital conservation buffer of 2.5%.
- Nostro and Vostro accounts
- A Nostro account is our bank's account held with a foreign bank in that bank's currency. A Vostro account is a foreign bank's account held with us in our currency.
- Forward versus futures contract
- A forward contract is an over-the-counter, customisable agreement to exchange currency at a future date at a locked rate. A futures contract is exchange-traded and standardised in size and maturity.
- Financial market regulators
- SEBI regulates the securities market, IRDAI regulates insurance, PFRDA regulates pensions, and the RBI regulates banks and payment systems. Each regulator covers a distinct segment.
- Open market operations
- Open market operations are the RBI's purchases and sales of government securities to adjust liquidity. Purchases inject money into the system; sales absorb money from it.