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Data Interpretation and Analysis Flashcards

7 cards from real IBPS practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

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  1. A table provides data on 6 banks' capital adequacy ratios (CAR): 13%, 11.5%, 14.2%, 10.8%, 12.5%, 15%. How many banks meet the RBI minimum CAR requirement of 12%?

    Answer: 4

    Banks with CAR ≥ 12%: 13%, 14.2%, 12.5%, 15% — four banks meet the requirement.

  2. From a table, Bank X's interest income is ₹400 crore and interest expense is ₹250 crore. Bank Y's are ₹350 crore and ₹200 crore respectively. Which bank has a higher Net Interest Margin as a percentage of its interest income?

    Answer: Bank Y

    Bank X NIM% = 150/400 = 37.5%; Bank Y NIM% = 150/350 ≈ 42.9%; Bank Y is higher.

  3. A graph shows monthly remittances (₹ crore) for a bank: Jan=50, Feb=45, Mar=60, Apr=70, May=65, Jun=80. What is the range of the data?

    Answer: 35

    Range = Maximum − Minimum = 80 − 45 = 35 crore.

  4. A pie chart shows bank loan portfolio: Agriculture 28%, Housing 32%, MSME 20%, Personal 12%, Others 8%. If MSME loans total ₹40,000 crore, what is the total loan portfolio?

    Answer: ₹2,00,000 crore

    20% = ₹40,000 crore, so total = 40,000 / 0.20 = ₹2,00,000 crore.

  5. A data set shows year-wise provisioning for bad loans (₹ crore): 2018=120, 2019=144, 2020=172.8, 2021=207.36. What is the constant percentage growth rate?

    Answer: 20%

    Each year's provisioning is 1.2 times the previous (e.g., 144/120 = 1.2), confirming 20% growth.

  6. Two branches processed loan applications: Branch 1 approved 75 out of 120 applications; Branch 2 approved 90 out of 150. Which branch had a higher approval rate?

    Answer: Both equal

    Branch 1: 75/120 = 62.5%; Branch 2: 90/150 = 60% — Branch 1 is higher.

  7. A table shows year-wise bank credit (₹ lakh crore): 2019=100, 2020=108, 2021=116, 2022=127.6, 2023=140.36. In which year did credit grow the fastest in percentage terms?

    Answer: 2022

    Growth rates: 2020=8%, 2021≈7.4%, 2022≈10%, 2023≈10%; 2022 matches 10% and is the first peak year.