IDBI Assistant Manager flashcards

33 cards. Read the term and the definition here. The deck at the top of this page is optional.

Syllogism possibility conclusion

A conclusion is treated as possible when at least one arrangement of the premises makes it true; it is definite only when true in every arrangement.

Opposite letter coding

Letters paired so their positions sum to 27: A with Z, B with Y, C with X. Used to decode substitution ciphers quickly.

Circular arrangement facing centre

When people face the centre, a person's left is clockwise and right is anticlockwise from the observer's view; reverse this when they face outward.

Either-or in data sufficiency

Choose this option when each statement alone yields a different but unique answer to the question, so either is individually sufficient.

Blood relation generation rows

Draw separate horizontal rows for grandparents, parents and children, then mark gender; relations are read upward and downward from the subject.

Interleaved number series

When first differences alternate irregularly, split the series into odd-position and even-position terms; each sub-series then follows its own simple rule.

Direction sense net displacement

Record each move as a vector with sign, sum the horizontal and vertical components, then take the square root of the sum of squares.

CI minus SI two years

For two years the difference between compound and simple interest equals P multiplied by the square of R divided by 100, where P is principal and R the annual rate.

Successive discount equivalent

Two discounts of a and b percent equal one discount of a + b minus ab/100 percent; the combined discount is always smaller than the simple sum.

Boats and streams formulas

Downstream speed equals boat plus current, upstream equals boat minus current; boat speed is the average of the two and current is half their difference.

Work together formula

If A alone takes x days and B alone takes y days, working together they finish in xy divided by x plus y days.

Mixture replacement formula

After n replacements of volume v from total V, the pure component left equals the initial quantity multiplied by (1 minus v/V) raised to n.

Circular permutation formula

The number of ways to arrange n distinct objects in a circle is (n minus 1) factorial, because rotations of the same order are identical.

Weighted average rule

The combined mean of two groups equals the sum of each group size times its mean, divided by the total number of observations.

Percentage change in DI

Percentage change equals new value minus old value, divided by old value, multiplied by 100; the denominator is always the earlier or base figure.

Compound interest formula

Amount equals principal multiplied by (1 plus rate divided by 100) raised to the number of years; interest is the amount minus principal.

One of the plural noun

In the pattern 'one of the' followed by a plural noun, the verb agrees with 'one' and is therefore singular, as in 'one of the banks is closed'.

Para jumble opening sentence

The first sentence usually introduces a full noun without pronouns or backward connectors; sentences starting with 'this' or 'he' cannot open.

Passive voice conversion

The object becomes the subject, the verb becomes a form of be plus past participle, and the original subject follows 'by' or is dropped.

Reading comprehension main idea

The correct main-idea option must summarise the entire passage; an option that is factually true but covers only one paragraph is a distractor.

Redundancy in sentence improvement

Expressions such as 'return back', 'discuss about' and 'more better' repeat meaning; the improved option removes the duplication without altering sense.

Comparative versus superlative

Comparatives compare two items and take 'than'; superlatives compare three or more and take 'of' or 'in' before the group.

RBI establishment date

The Reserve Bank of India began operations on 1 April 1935 under the RBI Act 1934 and was nationalised on 1 January 1949.

Repo rate meaning

The repo rate is the interest at which RBI lends short-term funds to banks against government securities; raising it tightens liquidity in the system.

CRR versus SLR

CRR is the cash share of net demand and time liabilities held with RBI; SLR is the share held in approved securities such as government bonds.

Priority sector lending target

Domestic scheduled commercial banks must lend 40 percent of adjusted net bank credit to priority sectors, including 18 percent to agriculture.

DICGC deposit cover

Deposit Insurance and Credit Guarantee Corporation insures deposits up to five lakh rupees per depositor per bank, covering principal and interest.

RTGS versus NEFT

RTGS settles high-value payments individually in real time with no upper limit; NEFT settles smaller payments in half-hourly batches through the day.

Accounting equation

Assets equal liabilities plus capital. Every transaction changes at least two elements so the equality always holds under double-entry bookkeeping.

Debit and credit rule

Debits increase assets and expenses and decrease liabilities and income; credits do the opposite. Each entry records equal debits and credits.

Straight line depreciation

Annual depreciation equals original cost minus estimated salvage value, divided by the useful life in years; the charge is equal every year.

NPA 90-day norm

A loan becomes a non-performing asset when principal or interest is overdue for more than 90 days; it is then classified substandard, doubtful or loss.

Capital adequacy ratio

Tier 1 plus Tier 2 capital divided by risk-weighted assets, expressed as a percentage; RBI requires a minimum of 9 percent for banks.