MP Apex Bank Exam flashcards

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

Inequality chain conclusion

In A > B ≥ C, only A > C and A ≥ C-type conclusions follow. Never reverse the open end of the symbol; combining requires the same middle term in adjacent statements.

Syllogism 'some' rule

'Some A are B' and 'All B are C' together give 'Some A are C'. Two particular premises never produce a universal conclusion, and two negatives give no valid conclusion.

Circular seating facing outward

When people face away from the centre, left and right are reversed: the person to your immediate right sits anticlockwise. Positions n/2 apart are opposite in a circle of n.

Blood relation notation

Use a vertical line for parent-child generations and a horizontal line for spouse or sibling. Mark males with a plus sign and females with a minus sign to avoid confusion.

Successive percentage change formula

A change of a% followed by b% gives net change a + b + ab/100. Thus +20% then −20% gives −4%, a net loss, because the base changed after the first step.

CI minus SI two years

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), useful in direct computation questions.

Boats upstream downstream formula

Downstream speed equals boat speed plus stream speed, upstream equals boat minus stream. So boat speed = (D + U)/2 and stream speed = (D − U)/2.

Train crossing platform time

A train of length L crossing a platform of length P at speed v takes (L + P)/v. A pole or a person is treated as length zero, so time is L/v.

Combination and circular arrangement

Selections use nCr = n!/[r!(n − r)!]; arrangements of n distinct objects use n!. Circular arrangements of n distinct people equal (n − 1)! because rotations are identical.

Subject-verb agreement 'one of'

In 'one of the + plural noun + verb', the verb is singular because the subject is 'one'. Each, every, either and neither also take singular verbs.

Present perfect with since

Use present perfect (has worked) with since plus a point of time and for plus a duration. Past perfect marks the earlier of two past actions.

Preposition with comprise

'Comprise' means 'consist of' and takes no preposition: 'The panel comprises five members.' Write 'composed of' or 'consists of' instead of 'comprises of'.

Idiom bite the bullet

'To bite the bullet' means to endure a painful or unpleasant situation bravely. It is often tested in idiom-replacement questions in bank exams.

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 moved its headquarters from Kolkata to Mumbai in 1937.

Monetary Policy Committee target

The six-member MPC sets the policy repo rate to keep CPI inflation at 4% within a tolerance band of 2% to 6%. It meets at least four times a year.

Madhya Pradesh basic facts

Madhya Pradesh was formed on 1 November 1956 with Bhopal as capital and Indore as the largest city. It is called the Heart of India for its central location.

MP national parks

Madhya Pradesh has Kanha, Bandhavgarh, Satpura, Pench, Panna and Madhav (Shivpuri) national parks. Kanha and Bandhavgarh are famous for tiger reserves.

Financial sector regulators

RBI regulates banks and payment systems, SEBI regulates securities markets, IRDAI regulates insurance, PFRDA regulates pensions, and NABARD supports rural and agricultural credit.

Memory unit conversions

One byte equals 8 bits. One kilobyte equals 1024 bytes, one megabyte 1024 kilobytes, one gigabyte 1024 megabytes, and one terabyte 1024 gigabytes.

RAM versus ROM

RAM is volatile working memory that loses data when power is off. ROM is non-volatile and stores firmware such as the BIOS used at start-up.

OSI layer functions

The seven OSI layers are Physical, Data Link, Network, Transport, Session, Presentation and Application. TCP operates at Transport; IP operates at Network.

Malware types

A virus attaches to files, a worm self-replicates across networks, a trojan disguises itself as useful software, and ransomware encrypts data to demand payment.

DICGC deposit insurance

Deposits with a bank are insured by DICGC up to five lakh rupees per depositor per bank, covering principal and interest, in case of bank failure.

Priority sector lending target

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

NPA classification stages

A loan overdue more than 90 days becomes an NPA, then substandard up to 12 months, doubtful beyond 12 months, and a loss asset when recovery is unlikely.

RTGS minimum amount

RTGS settles high-value payments in real time with a minimum of two lakh rupees and no upper limit. NEFT settles in batches and has no minimum amount.

Basel III minimum capital

Basel III requires common equity tier 1 of at least 4.5%, tier 1 capital of 6% and total capital of 8% of risk-weighted assets, plus a capital conservation buffer.

Cheque validity period

A cheque is valid for three months from the date written on it unless a shorter period is stated. Banks use CTS images for clearing under the cheque truncation system.

संधि की परिभाषा

दो वर्णों के मेल से होने वाले परिवर्तन को संधि कहते हैं। विद्या + आलय = विद्यालय दीर्घ संधि का उदाहरण है, जिसमें अ + आ मिलकर आ बनता है।

तत्पुरुष और बहुव्रीहि समास

तत्पुरुष में उत्तर पद प्रधान होता है, जैसे राजपुत्र अर्थात राजा का पुत्र। बहुव्रीहि में दोनों पदों से भिन्न अर्थ निकलता है, जैसे दशानन अर्थात दस सिर वाला रावण।

भाववाचक संज्ञा

जिस संज्ञा से किसी भाव, गुण या दशा का बोध हो, वह भाववाचक संज्ञा है। सुंदरता, मिठास, बचपन और बुढ़ापा इसके सामान्य उदाहरण हैं।

मुहावरा नौ दो ग्यारह होना

इस मुहावरे का अर्थ है भाग जाना या चुपचाप खिसक जाना। वाक्य प्रयोग: पुलिस को देखते ही चोर नौ दो ग्यारह हो गए।