Pratiyogita Darpan January 2012 Issue Read Online free

Here the current Issue of Pratiyogita Darpan January 2012 available for free to read online and here are some of its contents

·        Indian ocean Rim Association for Regional Co-operation
·        South-South cooperation: New Foundations
·        Imagination the way of Empowerment
·        Meet Failures Like a Man
·        Implications of downgrading of US Debt An Analysis
·        The Politics of Corrupting Corruption Where the remedy Lies
·        India-Vietnam Energy Deal Ripples in obnoxious China over Sovereignty
·        Embryonic Stem Cell Research An overview
·        Is our Country secure when the Chair of Chief of Army Staff is not secure
·        Technology Up gradation, Research and Development in Heavy Industries and Public Enterprises; Scaling New Heights


Read Here this Issue (English)


Read Here this Issue (Hindi)
Download Link

IBPS Interview Questions

Why do you want to enter banking?
 > You need to talk about Banking – what the interviewer seeks for is a person who is flexible to be along with the given timings, someone who can cope up with writing bits and bobs or a person who can benefit them with more development .Your answer can have following bulleted points.

• Banking is a fast changing environment
• Retail banking is now very competitive – from telephone banking, retailers and etc Banking is thus now largely sales driven.

# You can even talk about IT getting changes and clearing banks offers a wide range of career opportunities for graduates – not just in branch banking but also in financial services, consultancy and corporate banking.
Have you applied to any other areas apart from banking?
Here off course your answer will hold some other finance or sales and marketing careers – insurance or accountancy, altogether these careers should have skills related to banking.
How do you feel about committing yourself to another three years of exams?
The professional examinations that you will almost certainly be required to take as part of your training are not always difficult in themselves, but do require determination and focus- especially as much of your study will be done in the evenings after a hard days work.
You should also be aware of the range of qualifications open to you – many of the large clearing banks offer the opportunity to gain qualifications in marketing, personnel or accountancy – not just banking.
Tell me about an experience in which you had to use tact?

Read more »

Interview Questions for Banking (basics)

Bank interviews are basically based on four areas.

1. Bio-data

2. Subject

3. Bank Terms

4. GK (Current Affairs)

5. Computers (Basics)

1. Bio-data: About your family, About your town, About your studies, About your achievements, About your father’s working department, About your hobby, and any past work experience if you have.

2. Subject: Candidate must have complete knowledge of the subject what he has studied. Any question can be asked in the subject. Prepare your subject especially basics.

3. Bank Terms: If you are going for bank interviews basic banking knowledge is

necessary. The following basic banking terms will help the candidate.

4. GK: Be thorough with current affairs from past three months. Recent awards, Major issues, Sports related questions, State Governors and Chief ministers, Countries, Capitals, Currencies etc..,.

5. Computers: Be thorough with basic computer terminology.

Example: What is DOS, What is WWW, What is LAN, etc..,

If you have any certificate, it will be an added advantage to the candidate.

Read more »

IBPS CLERKS EXAM GENERAL AWARENESS MODEL PAPER

1. Who among the following served as the first chairman of the governing body of IBPS?
1) Dr. Manmohan Singh
2) Sir Smith
3) P. C. Mahalanobis
4) Dr. J.C. Chakraborthy
5) Dr. A.K.Qureshi

2. 'Saranda Action Plan', has been recently launched by Rural Development Ministry. It will be implemented firstly in Naxal-hit Saranda district of which among the following states?
1) Chhattisgarh
2) Jharkhand
3) Odisha
4) Punjab
5) Haryana

3. How many key infrastructure sectors are known as Core sector in India Economy used for Index of Industrial Production (IIP) data?
1) six
2) seven
3) eight
4) ten
5) three

4. The Ennahda Party has emerged as largest political party in the first elections after the Arab Spring in  which among the following countries?
1) Tunisia
2) Syria
3) Libya
4) Algeria
5) Sudan

5. Indian Ocean Rim Association for Regional Cooperation (IOR-ARC) was initiated by which among the following countries?
1) India
2) Sri Lanka
3) Maldives
4) Mauritius
5) Nepal

Read more »

IBPS CWE GENERAL AWARENESS MODEL PAPER

1. Lucas Papadesmos became the new Prime Minister of which of the following countries in November 2011?
1) Spain
2) Italy
3) Greece
4) Belgium
5) None of these

2. Which Indian city hosted the World Economic Forum's (WEF) Indian Economic Summit in November 2011?
1) Mumbai
2) New Delhi
3) Chennai
4) Bangalore
5) Hyderabad

3. Moshe Katsav has been sentenced to seven years in prison on the charges of sexual harassment and obstruction of justice. He was the 8th President of whi-ch of the following countries?
1) Iran
2) Israel
3) Syria
4) Sudan
5) Germany

4. Which former Australian cricketer's autobiography is titled 'Fierce Focus'?
1) Allan Border
2) Shane Warne
3) Steve Waugh
4) Greg Chappell
5) Adam Gilchrist

5. Which of the following teams lifted the Beighton Cup hockey tournament in November 2011?
1) IOC
2) ONGC
3) Air India
4) Railways
5) None of these

Read more »

Objective General English : 10,000 Plus Questions by R.S. Aggarwal

English | PDF | 17.1 Mb | 336 Pages

An Ideal Book for

• Bank PO, S.B.I PO, R.B.I Exams
• M.B.A ,  Hotel Management 
• Railway Requirement Exams
• N.D.A.  , C.D.S.
• I.E.S , L.I.C.A.A.O , G.I.C.A.A.O.
• I. Tax and Center Excise.
• Sub Inspector of Police Exams.
• Asstt. Grade, Section Officers, U.D.C.

Author: R.S. Aggarwal & Vikas Aggarwal.

     Download Link 2

     

IBPS Exam Preparation – Know About Banks

IBPS Exam for Bank PO and Bank Clerical have become the most important exam for aspirants of bank jobs. Applicants for IBPS Exam should know some of the basic facts about banks which can be useful during common written examination as well as during ibps bank interviews.
Definition of Banks
In India, the definition of the business of banking has been given in the Banking Regulation Act, (BR Act), 1949. According to Section 5(c) of the BR Act,
 ”A banking company is a company which transacts the business of banking in India.”
Further, Section 5(b) of the BR Act defines banking as,
“accepting, for the purpose of lending or investment, of deposits of money from the public, repayable on demand or otherwise, and withdrawable, by cheque, draft, order or otherwise.”
This definition points to the primary activities of a commercial bank which distinguish it from the other financial institutions. These are:

• Maintaining deposit accounts including current accounts
• Issuing and paying cheques

Importance of Banks
Banks are special for three important reasons.

1. Banks take a primary role in developing other financial intermediaries and markets.
2. Due to the absence of well-developed equity and bond markets, the corporate sector depends heavily on banks to meet its financing needs.
3.  Banks helps vast number of savers from the household sector, who prefer assured income and liquidity and safety of funds, because of their inadequate capacity to manage financial risks.

Commercial banks in India have traditionally focused on meeting the short-term financial needs of industry, trade and agriculture. However, given the increasing sophistication and diversification of the Indian economy, the range of services extended by commercial banks has increased significantly, leading to an overlap with the functions performed by other financial institutions. Further, the share of long-term financing (in total bank financing) to meet capital goods and project-financing needs of industry has also increased over the years. The main functions of a commercial bank can be segregated into three main areas:

• Payment System
• Financial Intermediation
• Financial Services.

 (i) Payment System
A payment refers to the means by which financial transactions are settled. A basic method by which banks help in settling the financial transaction process is by way of issuing and paying cheques issued on behalf of customers. The payments system also includes electronic banking, wire transfers, settlement of credit card transactions, etc. In all such transactions, banks play a critical role.
(ii) Financial Intermediation

• The second main function of a bank is to take different types of deposits from customers and then lend these funds to borrowers, in other words, financial intermediation.
• In financial terms, bank deposits represent the banks’ liabilities, while loans disbursed, and investments made by banks are their assets.
• Bank deposits serve the useful purpose of addressing the needs of depositors, who want to ensure liquidity, safety as well as returns in the form of interest.
• Bank loans and investments made by banks play an important function in channeling funds into profitable as well as socially productive uses.

(iii) Financial Services
Banks also provide financial services such as investment banking, insurance-related services, government-related business, foreign exchange businesses, wealth management services, etc. Income from providing such services improves a bank’s profitability.