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Meenakshi 29/09/2016 in  IBPS Exam Coaching

What are Treasury Bills?

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Sourav Singh replied | 30/09/2016

treasury bill are issued by bank on behalf of government of india it is short tem loan basically in denomination of 91 days 182 days 364 days

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Shafer 29/09/2016 in  IBPS Exam Coaching

In which country will next olympics be held?

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Sourav Singh replied | 30/09/2016

tokyo japan 2020(summer) 2018(winter) south korea

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Saravana 29/09/2016 in  IBPS Exam Coaching

What is the Rupay card used for?

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Kumar replied | 12/10/2016

Rupay card is similar to other international card like Visa/Mastercard. They can be used like same way for payment. They are backed by NPCI (National Payments Corporation of India ) - RBI

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Yamun 29/09/2016 in  IBPS Exam Coaching

What is the primary markets?

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Suresh replied | 18/10/2016

Primary market is the first place where we can buy stocks or shares. This will happen in IPO's ie Initial Public Offer. So, IPO's are called as Primary market and Stock Market or Share Market is the secondary market.

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Archit 29/09/2016 in  IBPS Exam Coaching

What is the role of financial institutions?

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Suresh replied | 18/10/2016

Financial institutions play important role in dealing with finances or money. They not only include banks but also non banking institutions like gold loan companies, chit funds and so on. Few International financial institutions include IMF(International Monetary Fund), World Bank, ASEAN Bank and so on.

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Rakhi 29/09/2016 in  IBPS Exam Coaching

Who is the president of world bank?

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Ramesh replied | 10/10/2016

Jim Yong Kim MD, PhD, also known as Kim Yong (born December 8, 1959), is a South Korean-American physician and anthropologist who has served as the 12th President of the World Bank since July 1, 2012.

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Pushpendra replied | 11/10/2016

Jim Yong Kim

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Rekha 29/09/2016 in  IBPS Exam Coaching

Which was the last bank to be given banking licence by RBI?

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Kumar replied | 09/10/2016

Bandhan Bank

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Ravikumar 29/09/2016 in  IBPS Exam Coaching

What is the difference between cheque and demand draft?

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Edge Career Solutions replied | 10/10/2016

In cheque amount is cleared from owner bank account after cheque is presented to bank. In demand draft, amount is deducted in advance

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Bimal 29/09/2016 in  IBPS Exam Coaching

Define ECGC?

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Manu replied | 29/09/2016

The ECGC Limited (Formerly Export Credit Guarantee Corporation of India Ltd) is a company wholly owned by the Government of India based in Mumbai, Maharashtra. It provides export credit insurance support to Indian exporters and is controlled by the Ministry of Commerce.

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Neelima 29/09/2016 in  IBPS Exam Coaching

Define Debt trap?

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Pushpendra replied | 11/10/2016

A situation in which a debt is difficult or impossible to pay typically because high interest payments prevent re-payment of principal.

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Soumya 29/09/2016 in  IBPS Exam Coaching

What is the difference between public sector banks and private sector banks?

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Wyatt Coaching Institute replied | 13/10/2016

Public sector banks are those where majority of the stake in the bank is held by government. Where as in private sector bank, majority is held by share holders of the bank. Individuals get a fair idea, if we say SBI is a public sector bank and ICICI is a private sector bank. Both type of bank offer same services, however charges differ and so as the quality and time duration for...  more»
Public sector banks are those where majority of the stake in the bank is held by government. Where as in private sector bank, majority is held by share holders of the bank. Individuals get a fair idea, if we say SBI is a public sector bank and ICICI is a private sector bank. Both type of bank offer same services, however charges differ and so as the quality and time duration for the services provided. One can also see the difference between interest rates. Also read: Difference Between Salary Account and Savings Account (SB Account) In A Bank. Public Sector banks A bank in which the government holds a major portion of the shares. Say for example, SBI is public sector bank, the government holding in this bank is 58.60%. Similarly PNB is a public sector bank, the government holds a stake of 58.87%. Usually, in public sector banks, government holdings are more than 50 per cent. Nationalized banks are public sector banks. In nationalized banks the government controls the bank. Some examples are SBI, PNB, etc Private Sector Banks Private sector banks are owned by private bodies. These banks management and controlled by private promoters. After the liberalization in the 1990s, the new private sector banks are those who got their licenses. Difference between public and private sector bank ? Shareholders In a public sector bank more than fifty percentage of the stake is held by the Government. In a private sector majority of the stake owned to private shareholders. ? Interest Rate Interest Rates offered by public sector bank are slightly higher. In case of loans, interest rates are marginally lower. ? Fees & Service Private Sector Banks have made names in providing better service, however, they charge for the extra services provided by them. Public sector banks fees and charges are less such as on balance maintenance . A lot of public sector banks are still picking up in the service. ? Customer Base: Mostly public sector accounts are opened for government employees for their salaries, fixed deposits, lockers etc. whereas private sector bank in India target company employees,for their salary accounts, credit cards and net banking. Difference in financial performance of private sector and public sector banks In terms of financial performance, PSU banks lag behind. In terms of most of the parameters like non performing assets and net interest margins, private sector banks tend to be much better placed. The share prices of these banks are also significantly higher. Another important factor is that in terms of capital adequacy as well, as public sector banks are lagging behind, their private sector banking peers. For example, some of the private sector banks like HDFC Bank and IndusInd Bank have very low level of non performing assets, as compared to the public sector or government owned banks. Some of the banks like Bank of Baroda from the government or public sector have reported record losses. Losses from the steel sector has aggravated the non performing assets of the public sector banks in India. Only recently the government of India decided to infuse fresh capital in some of the government owned banks. It is hoped that there would be some recovery in the losses and the public sector banks would be able to compete with the private sector banks in india. Examples of public and private sector banks Some of the public and government sector banks in the country include State Bank of India, Punjab National Bank, Bank of Baroda, Bank of India, Canara Bank, Andhra Bank, Syndicate Bank, Allahabad Bank, State Bank of Mysore, Bank of Maharashtra etc. Some of the larger private sector banks in the country include ICICI Bank, HDFC Bank, Yes Yank, IndusInd Bank, Kotak Mahindra Bank and a host of others. «less

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Praveen 29/09/2016 in  IBPS Exam Coaching

Define Inflation?

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Kumar replied | 12/10/2016

Inflation is defined as sustained increase in the general price level of goods and services in an economy/country over a period of time. It is generally depreciation of value of money.
It is mainly of two type - Cost Push Inflation & Demand Pull Inflation.
Different indices are used to measure - CPI, WPI, PPI etc.
RBI is main agency in India to control Inflation in...  more»
Inflation is defined as sustained increase in the general price level of goods and services in an economy/country over a period of time. It is generally depreciation of value of money.
It is mainly of two type - Cost Push Inflation & Demand Pull Inflation.
Different indices are used to measure - CPI, WPI, PPI etc.
RBI is main agency in India to control Inflation in coordination with Govt. «less

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Avishkar 29/09/2016 in  IBPS Exam Coaching

A farmer take a loan from a bank of amount Rs 12 lakh at the rate of 3.5% interest for 2 consecutive years.After 2 years how much amount he will pay to the bank?

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Vextrue replied | 01/10/2016

interest payable 84000

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Sakthivel 29/09/2016 in  IBPS Exam Coaching

Three different persons started a shop by investing Rs. 27000, Rs. 72000, Rs 81000 respectively. At the end of the year, the profits were distributed among them. If C?s share of profit be Rs. 36000, then what was the total profit?

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Sourav Singh replied | 30/09/2016

ratio between them after a year is 3:8:9 therefore profit to be distributed in d same ratio c's share is 9/20=36000 hence 1 ratio =80000 total ratio =3+8+9=20*800000=160000

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Ankur 29/09/2016 in  IBPS Exam Coaching

What is the sum of n terms of the series, where n is an even number if 1 power 2 + 2 power 2 + 3 power 2 + 4 power 2 + 5 power 2 + 6 power 2 +......?

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Gaurav replied | 10/10/2016

very easy questions

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Santosini 29/09/2016 in  IBPS Exam Coaching

What is the formula of sum of n terms in terms of A.P series?

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Sourav Singh replied | 30/09/2016

n*(n+1)/2

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Poonam 29/09/2016 in  IBPS Exam Coaching

What is the term ?mobbing? means?

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Sourav Singh replied | 30/09/2016

you are mobbed means aap ko loot liya gya hai in india context

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Priyashree replied | 01/10/2016

bullying

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Shubhangi 29/09/2016 in  IBPS Exam Coaching

Define job rotation?

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Pushpendra replied | 11/10/2016

Job Rotation is a management approach where employees are shifted between two or more assignments or jobs at regular intervals of time in order to expose them to all verticals of an organization. It is a pre-planned approach with an objective to test the employee skills and competencies in order to place him or her at the right place. In addition to it, it reduces the monotony of...  more»
Job Rotation is a management approach where employees are shifted between two or more assignments or jobs at regular intervals of time in order to expose them to all verticals of an organization. It is a pre-planned approach with an objective to test the employee skills and competencies in order to place him or her at the right place. In addition to it, it reduces the monotony of the job and gives them a wider experience and helps them gain more insights. «less

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Pratheema 29/09/2016 in  IBPS Exam Coaching

When were maternity rights introduced in the UK?

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Pushpendra replied | 11/10/2016

1975, Employment protection act.

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Test 29/09/2016 in  IBPS Exam Coaching

Define line managers?

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Saurabh Chaturvedi replied | 15/10/2016

Line Managers are basically vertical heads who are directly responsible for the output of the products or services of their respective line or vertical. The role of line manager plays an important part in overall organizational performance. While senior management is involved in developing and approving a firm's strategy, the hard work of implementing the strategy takes place at...  more»
Line Managers are basically vertical heads who are directly responsible for the output of the products or services of their respective line or vertical. The role of line manager plays an important part in overall organizational performance. While senior management is involved in developing and approving a firm's strategy, the hard work of implementing the strategy takes place at lower levels of the organization. Line Managers are critical cogs in ensuring that new programs are implemented in a timely and effective manner. They are well positioned to identify problems with the strategy execution programs and the input of the line manager is essential for organizational learning. «less

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Guruprasad 29/09/2016 in  IBPS Exam Coaching

Define EEC?

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Vivek Mishra replied | 12/10/2016

European Economic Community

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Jagadeesh 29/09/2016 in  IBPS Exam Coaching

What is FDI?

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Vivek Mishra replied | 08/10/2016

foreign direct investment

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Kumar replied | 09/10/2016

Foreign Direct Investment

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Jitendra 29/09/2016 in  IBPS Exam Coaching

Define LME?

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Vivek Mishra replied | 08/10/2016

large and medium scale enterprises

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Kripal 29/09/2016 in  IBPS Exam Coaching

What is meant by RPO?

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Vivek Mishra replied | 12/10/2016

Recruitment Process Outsourcing

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Test 29/09/2016 in  IBPS Exam Coaching

What do you mean by tight labour market?

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Manu replied | 07/10/2016

labor market definition. An area of economic exchange in which workers seek jobs and employers seek workers. A ?tight? labor market has more jobs than workers

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