Karnataka Bank PO flashcards

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

Syllogism validity rule

A conclusion is valid only if it holds in every possible Venn diagram of the premises. A possibility that contradicts no premise means the conclusion does not definitely follow.

Circular arrangement formula

For n distinct people seated around a circle, the number of distinct arrangements is (n−1)!. If clockwise and anticlockwise are considered identical, divide that result by 2.

Direction after turning

Right turn rotates facing clockwise by 90 degrees, left turn anticlockwise. Track net north-south and east-west displacement separately, then combine with Pythagoras.

Inequality chain conclusion

Symbols combine only when they point the same way. A > B ≥ C gives A > C, but a mixed chain such as A > B < C gives no definite relation between A and C.

Blood relation gender caution

Gender is fixed only by explicit words like son, daughter, brother, sister, wife, or husband. A name or profession never determines gender in these puzzles.

Alphabet position values

A=1 through Z=26. Opposite letters sum to 27, so A pairs with Z, B with Y, and C with X; this speeds up coding-decoding and letter series questions.

Successive percentage change

Two successive changes of a% and b% produce a net change of a + b + (ab/100)%. A 20% increase followed by a 20% decrease gives a net 4% decrease.

Compound interest formula

Amount = P(1 + R/100)^T for annual compounding. For half-yearly, halve R and double T; for quarterly, divide R by 4 and multiply T by 4.

CI minus SI shortcut

For two years, the difference between compound and simple interest equals P(R/100)². For three years it is P(R/100)²(3 + R/100).

Equal profit-loss percentage trap

Two articles sold at the same price, one at x% profit and one at x% loss, always give a net loss of x²/100 percent, regardless of the selling price.

Speed unit conversion

Multiply km/h by 5/18 to get m/s, and multiply m/s by 18/5 to get km/h. A speed of 72 km/h equals 20 m/s.

Train crossing platform time

Time to cross a platform equals (train length + platform length) divided by train speed. To cross a pole, use train length alone.

Boats and streams formulas

Downstream speed is boat plus stream, upstream is boat minus stream. Boat speed is the average of the two; stream speed is half their difference.

Work done together

If A alone finishes in x days and B in y days, together they finish in xy/(x + y) days. Use the LCM of x and y as total work units.

Combination versus permutation

nCr counts unordered selections and equals n!/[r!(n−r)!]. nPr counts ordered arrangements and equals n!/(n−r)!. Use nCr for committees, nPr for seating.

Average after adding item

New average equals (n × old average + new value)/(n + 1). If every observation increases by k, the average also increases by exactly k.

Cylinder and cone volumes

Cylinder volume is πr²h; cone volume is one-third of that, πr²h/3. Sphere volume is 4/3πr³, and its surface area is 4πr².

Subject-verb agreement with one of

In "one of the + plural noun + who/that", the verb after the relative pronoun agrees with the plural noun, while the main verb agrees with "one".

Since versus for

Use "since" with a specific starting point (since 2010, since Monday) and "for" with a duration (for three years). Both pair with perfect tenses.

Article choice by sound

Choose "a" or "an" by the initial sound, not the letter: an hour, an MBA, a university, a European. Use "the" with superlatives and unique things.

Prepositions of time

Use "in" for months, years, and seasons; "on" for days and dates; "at" for clock times, noon, and night. "By" means not later than a deadline.

Reading comprehension distractor

An option that is factually true but not stated or implied in the passage is wrong. The correct answer must be traceable to specific lines in the text.

Para jumble opener clue

The first sentence usually introduces a full noun with no pronoun referring backwards. Sentences starting with he, she, it, this, or hence rarely open a paragraph.

Parallelism in error spotting

Items joined by and, or, or than must share the same grammatical form: all infinitives, all gerunds, or all nouns. A mismatch is the error.

RBI establishment facts

The Reserve Bank of India was set up on 1 April 1935 under the RBI Act, 1934, was nationalised in 1949, and is headquartered in Mumbai.

Inflation target of MPC

The Monetary Policy Committee has six members and a statutory target of 4% consumer price inflation, with a flexible tolerance band of 2% to 6%.

CRR versus SLR

CRR is the share of net demand and time liabilities held with RBI as cash and earns no interest. SLR is held in approved securities and earns interest.

Repo and reverse repo

Repo is RBI lending short-term funds to banks against securities, injecting liquidity. Reverse repo absorbs liquidity by taking deposits from banks.

Priority sector lending target

Domestic commercial banks must lend 40% of adjusted net bank credit to priority sectors, including sub-targets of 18% for agriculture and 7.5% for micro enterprises.

DICGC deposit insurance

Deposit insurance covers up to five lakh rupees per depositor per bank, covering both principal and interest, administered by the DICGC, an RBI subsidiary.

NEFT versus RTGS

NEFT settles transactions in batches at intervals and has no minimum amount. RTGS settles individually in real time and requires a minimum of two lakh rupees.

Basel III capital ratios

Minimum ratios are 4.5% Common Equity Tier 1, 6% Tier 1, and 8% total capital to risk-weighted assets, plus a 2.5% capital conservation buffer.

Karnataka Bank profile

Karnataka Bank is an old private-sector bank founded in 1924 and headquartered in Mangaluru, Karnataka. It is not a public-sector bank and is listed on stock exchanges.