J&K Bank Banking Associate cheat sheet

Syllogism: All A are B plus All B are C gives All A are C; Some A are B plus All B are C gives Some A are C.

Contradictory pairs are All A are B versus Some A are not B, and No A is B versus Some A are B; complementary either-or pairs combine Some A are B with No A is B.

Facing north, left is west and right is east; facing south, left is east and right is west; a 90-degree clockwise turn from north faces east.

Blood relations: mother’s brother is maternal uncle; father’s sister is paternal aunt; brother’s wife is sister-in-law; spouse’s father is father-in-law.

For n persons in a straight row, position from left plus position from right equals n + 1; the middle position when n is odd is (n + 1)/2.

Coding-decoding: A = 1, B = 2, ..., Z = 26; reverse value = 27 minus forward value; opposite pairs are A-Z, B-Y, C-X and so on.

Inequality: A > B ≥ C gives A > C; A < B ≤ C gives A < C; either-or applies when two conclusions share the same subject and predicate and are complementary.

Calendar: an ordinary year shifts the weekday by one odd day; a leap year shifts it by two odd days; a century leap year must be divisible by 400.

Percentage change = ((new value minus old value) divided by old value) multiplied by 100; successive changes of a percent and b percent equal a + b + ab/100.

Simple interest = PRT/100; compound interest = P[(1 + R/100)^T minus 1]; for two years, CI minus SI = P(R/100)^2.

Profit percent = (SP minus CP)/CP multiplied by 100; loss percent = (CP minus SP)/CP multiplied by 100; SP = MP multiplied by (1 minus discount percent/100).

Speed = distance/time; km/h to m/s multiply by 5/18; m/s to km/h multiply by 18/5; time to cross a pole = train length/speed.

Time to cross a platform = (train length plus platform length)/speed; downstream speed = boat plus stream, upstream = boat minus stream; boat = (D + U)/2 and stream = (D minus U)/2.

If A alone takes x days and B alone takes y days, together they take xy/(x + y) days; efficiency is inversely proportional to time.

Average = sum divided by number of items; when one value is replaced, the average changes by (new value minus old value)/n.

Probability = favourable outcomes/total outcomes; nCr = n!/[r!(n minus r)!]; nPr = n!/(n minus r)!.

Each, every, either, neither, anyone and everyone are singular indefinite pronouns and take singular verbs; ‘one of + plural noun’ takes a singular verb.

Use ‘a’ before consonant sounds and ‘an’ before vowel sounds; use ‘the’ with superlatives, unique objects, rivers and mountain ranges.

Use ‘since’ with a point of time and ‘for’ with duration; use ‘between’ for two entities and ‘among’ for more than two.

Present perfect uses has/have plus past participle, links a past action to the present, and commonly pairs with since or for.

Passive voice: the object becomes the subject, the verb becomes be plus past participle, and the agent is introduced by ‘by’.

In reported speech, present tense often shifts to past; today becomes that day, here becomes there, this becomes that, and will becomes would.

Conditionals: If plus present takes will plus base verb; If plus past takes would plus base verb; If plus past perfect takes would have plus past participle.

Use ‘fewer’ with plural countable nouns and ‘less’ with uncountable nouns; comparisons use ‘than’, not ‘then’.

RBI was established on 1 April 1935 under the RBI Act, 1934; it was nationalised on 1 January 1949 and is headquartered in Mumbai.

J&K Bank was established on 1 October 1938 by Maharaja Hari Singh; its headquarters is in Srinagar and it is a scheduled commercial bank.

DICGC insures bank deposits up to five lakh rupees per depositor per bank; the cover includes principal and interest.

CRR is the share of net demand and time liabilities kept with RBI; SLR is held by the bank in approved liquid assets.

Repo rate is the rate at which RBI lends to banks; reverse repo is the rate at which RBI absorbs liquidity from banks.

Priority sector lending target for commercial banks is 40 percent of adjusted net bank credit; the agriculture sub-target is 18 percent.

Jammu and Kashmir became a Union Territory on 31 October 2019; Srinagar is the summer capital and Jammu is the winter capital.

NABARD is the apex development bank for agriculture and rural credit; SIDBI supports MSMEs; NHB supports housing finance.

CPU consists of the arithmetic logic unit, control unit and registers; RAM is volatile primary memory while ROM is non-volatile.

1 byte = 8 bits; 1 KB = 1024 bytes; 1 MB = 1024 KB; 1 GB = 1024 MB.

An operating system manages hardware and software resources; Windows, Linux and macOS are operating systems.

Common shortcuts: Ctrl+C copy, Ctrl+V paste, Ctrl+Z undo, Ctrl+S save, Ctrl+P print, Ctrl+F find.

DNS maps domain names to IP addresses; HTTP and HTTPS transfer web pages, with HTTPS adding encryption.

NEFT settles in batches; RTGS is real-time and for high-value transfers with a minimum of two lakh rupees; IMPS is available 24x7.

UPI transfers money instantly using a virtual payment address; NPCI operates UPI, IMPS, RuPay and BHIM.

Two-factor authentication combines two different verification factors; OTP and CVV are card security elements.