Introduction to Bank Exam

INTRODUCTION
TO
BANK EXAMS
5/16/2020 Dr. N.Ramakrishnan
Dr.N.Ramakrishnan
Member Syndicate
Professor & Head
Department of Educational Technology
Tamil Nadu Teachers Education University
Chennai-600097

SBI PO Exam Pattern 2020
State Bank of India will be conducting SBI PO 2020 Exam in three
phases: Online Prelims Exam, Mains Exam and Interview Process.
To ace SBI PO 2020, it is necessary for all the aspirants to be well
versed with the Exam Pattern for the same. As the vacancy has been
reduced considerably as compared to last year, clearing the exam won't
be an easy cup of tea. Thus, a prior knowledge of SBI PO Exam Pattern
2020 is essential as it will give you a platform to start your efficient
preparation for the exam. Let's have a look at the detailed Exam Pattern
for SBI PO 2020.

STATE BANK OF INDIA
PROBATIONARY OFFICERS
EXAM

SBI PO 2020 PRELIMS EXAM PATTERN
SBI PO Exam date for Preliminary & Mains Exam has not been released
yet. The Exam will be conducted online and will comprise of 3 sections
namely Reasoning, Quantitaive Aptitude & English Language. The
entire paper is to be completed in a time span of 1 hour
S.No.
Name of
Tests(Objective)
No. of
Questions
Maximum
Marks Duration
1 English Language 30 30 20 minutes
2 Quantitative Aptitude 35 35 20 minutes
3 Reasoning Ability 35 35 20 minutes
Total 100 100 1 hour

Section
Marks
Prelims Mains
Reading
Comprehension
10 14
Cloze Test 5 10
Error Detection 5 5
Para Jumbles 5 6
Fillers 5 10
Miscellaneous 10 5

Quantitative Aptitude Questions and Answers with
Explanation
Age
Area
Average
Banker's Discount
Boats and Streams
Calendar
Chain Rule
Clock
Decimal Fractions
HCF and LCM
Height and Distance
Logarithm
Mixture and Alligation
Numbers
Partnership
Percentage
Permutation and Combination
Pipes and Cistern
Probability
Profit and Loss
Races and Games
Series - Odd Man Out
Series - Find Missing Number
Simple Interest
Compound Interest
Simplification
Square Root and Cube Root
Stocks and Shares
Surds and Indices
Time and Distance
Time and Work
Trains

Alphabet Test
Analogy
Arithmetical Reasoning
Blood Relations
Calendar and Clock Test
Classification
Coding-Decoding
Cubes and Dices Test
Data Sufficiency
Images
Mathematical Operations
Non-Verbal Series
Number-Ranking-Time Sequence
Puzzle Test
Series Completion
Statements
Syllogism
Verbal Reasoning
Reasoning Ability

Selection criteria for Main Examination: Category wise merit list will
be drawn on the basis of the aggregate marks scored in the
Preliminary Exam. There will be no sectional cut-off. Candidates
numbering 10 times the numbers of vacancies (approx.) in each
category will be short listed for Main Examination from the top of above
merit list.
Penalty for wrong answer: 0.25 marks will be deducted for every
question attempted wrong by a candidate. No deduction will be there in
marks if a question is left unattempted or blank by a candidate.

SBI PO 2020 MAIN EXAMINATION PATTERN
S.No.
Name of
Tests(Objective No. of Questions
Maximu
m Marks Duration
1 Reasoning & Computer
Aptitude
45 60 60 minutes
2 Data Analysis &
Interpretation
35 60 45 minutes
3 General/ Economy/
Banking Awareness
40 40 35 minutes
Total 155 200 3 hours

Interview Process
A candidate who clears both the Prelims & Mains Exam of SBI
PO 2020 will be further called for a GD-PI session wherein they will face
a panel of selectors discussing on their past experience and questions
related to General Knowledge and of the Banking Sector. It is essential
for a candidate to clear the Interview Process in order to ensure their
final selection in the SBI PO 2020 Exam. The qualifying marks for this
round will be decided by the Bank and the marks alloted to these
rounds are: Group Discussion - 20 marks, Interview - 30 marks.

Final Selection
After a candidate has gone through Personal Interviews, a merit list
will be prepared by State Bank of India wherein the candidate's score
of Mains Exam and Interview Round will be taken into account.
Based on the score obtained by candidates and the available
vacancies, a final cut-off marks will be declared. All candidates who
clear the cut-off range will be granted the Appointment Letter by State
Bank of India for the post of Probationary Officer.

SBI PO 2020 Mains Exam Pattern
The SBI PO Mains Exam will comprise of 4 sections namely
Reasoning & Computer Aptitude, Data Analysis & Interpretation &
General/ Economy/ Banking Awareness, English Language. The
entire paper is to be completed in a time span of 3 hours. A
descriptive paper will be conducted along with the above mentioned
online test. It needs to be completed in a time span of 30 minutes
and the maximum marks allotted to this test is 50.
(i) Objective Test: The objective test of 3 hours duration consists of 4
Sections for total 200 marks. The objective test will have separate
timing for every section
(ii) Descriptive Test: The Descriptive Test of 30 minutes duration
with two questions for 50 marks will be a Test of English
Language (Letter Writing & Essay).
Penalty for wrong answer: 0.25 marks will be deducted for every
question attempted wrong by a candidate in SBI PO Mains Exam. No
deduction will be made in marks if a question is left unattempted or
blank by a candidate in the exam

INSTITUTE OF BANKING
PERSONNEL SELECTION
PROBATIONARY OFFICERS
EXAMINATION

INSTITUTE OF BANKING PERSONNEL SELECTION (IBPS)
The Institute of Banking Personnel Selection, popularly
known as the IBPS is an autonomous body. It conducts
recruitment examinations for all Public Sector Banks except the
SBI.
Over the years, it has also provided services related to
assessment and testing for different banks through various bank
exams.
The Institute is governed by a board of nominees from
different government bodies and banks such as the RBI, Ministry
of Finance, IIT Mumbai, NIBM and IBA. It was constituted in 1984
from the original examining body under the National Institute of
Bank Management.
The centralized examinations covering all public sector
banks’ recruitment started on a limited scale the same year. The
process was made fully online in the late 2000s.

The IBPS conducts the following examinations:
IBPS PO Examination
IBPS SO Examination
IBPS Clerk Examination
IBPS RRB Examination
The above IBPS exams recruit employees for PSBs at various
levels.

IBPS PO Exam Pattern
IBPS introduced separate sectional timing for each sections in preliminary exam.
The IBPS PO exam (CWE 10) for hiring candidates will be based on an online written
exam in two parts: Tier 1 or IBPS Preliminary Exam and Tier 2 or IBPS Mains Exam.
This examination is followed by a face-to-face interview process.
IBPS PO Prelims Exam Pattern
The IBPS PO preliminary examination has a total duration of 1 hour, which will be
conducted in online mode. It consists of 3 sections with a total of 100 questions and
maximum score of 100 marks. There is negative marking in IBPS PO pre exam and
0.25 marks are deducted for each wrong answer. Candidates must clear the cut-off in all
3 sections to qualify for the IBPS PO Main exam. The section-wise details are given
below:
Candidates have to qualify in each of the three tests by securing minimum cut-off
marks to be decided by IBPS. Adequate number of candidates in each category as
decided by IBPS depending upon requirements will be shortlisted for Online Main
Examination.

S.No.
Name of
Tests(Objective
No. of
Questions
Maximum
Marks Duration
2 Numerical Ability 35 35 20 minutes
3 Reasoning Ability 35 35 20 minutes
Total 100 100

IBPS PO Mains Exam Pattern
The IBPO PO Main exam is also conducted online, it has 5(4+1) sections with
a total score of 200+25 marks and total duration of 180+30 minutes. Just like
IBPS PO 2017, IBPS will be conducting a descriptive paper in its mains
exam for selection of candidates to the post of Probationary officer. The
sections must be attempted in the same order and the allotted time as
mandated at the time of the exam. A candidate has to clear both preliminary
and mains examination to be eligible for the interview process.

S.No.
Name of
Tests(Objectiv
e
No. of
Questions
Maximum
Marks Duration
1 Reasoning &
Computer
Aptitude
45 60 60 minutes
2 English
Language
35 40 40 minutes
3 Data Analysis
&
Interpretation
35 60 45 minutes
4 General
Economy &
Banking
Awareness
40 40 35 minutes
Total 155 200 3 Hours
5 English
Language
(Letter Writing
& Essay)
2 25 30 minutes

English Language Syllabus Quantitative Ability Syllabus Reasoning Syllabus
Reading Comprehension Simplification Logical Reasoning
Cloze Test Profit & Loss Alphanumeric Series
Para jumbles Mixtures & Allegations Ranking/Direction/Alphabet
Test
Miscellaneous Simple Interest & Compound
Interest & Surds & Indices
Data Sufficiency
Fill in the blanks Work & Time Coded Inequalities
Multiple Meaning/Error
Spotting
Time & Distance Seating Arrangement
Paragraph Completion Mensuration – Cylinder,
Cone, Sphere
Puzzle
Data Interpretation Tabulation
Ratio & Proportion,
Percentage
Syllogism
Number Systems Blood Relations
Sequence & Series Input Output
Permutation, Combination
&Probability
Coding Decoding
IBPS PO Prelims Syllabus 2020:

Quantitative Aptitude
Syllabus
General Awareness
Syllabus
Reasoning & Computer Aptitude Syllabus English Language
Syllabus
Simplification Financial Awareness Verbal Reasoning Internet Reading
Comprehension
Average Current Affairs Syllogism Memory Vocabulary
Percentage General Knowledge Circular Seating
Arrangement
Keyboard Shortcuts Grammar
Ratio and
Percentage
Linear Seating
Arrangement
Computer
Abbreviation
Verbal Ability
Data Interpretation Double Lineup Microsoft Office
Mensuration and
Geometry
Scheduling Computer Hardware
Quadratic Equation Input Output Computer Software
Interest Blood Relations Operating System
Problems of Ages Directions and
Distances
Networking
Profit and Loss Ordering and
Ranking
Computer
Fundamentals
/Terminologies
IBPS PO Mains Exam Syllabus

Number Series Data Sufficiency
Speed, Distance and
Time
Coding and
Decoding
Time and Work Code Inequalities
Number System
Data Sufficiency
Linear Equation
Permutation and
Combination
And Probability
Mixture and
Allegations
IBPS PO Mains Exam Syllabus

IBPS PO Interview
The candidates who have qualified the mains exam are called for a
face to face interview which carries a maximum of 100 marks. The
minimum qualifying marks in the interview is 40% (35% for
SC/ST/OBC/PWD candidates).
The interview round is generally 15-20 minutes long, where a panel of
bank officials ask questions to the candidates about themselves,
banking sector, current affairs, general awareness, etc. The
candidates must be well dressed, confident and carry all required
documents to the interview.
The final merit list is prepared on the basis of marks obtained in
mains examination and interview. The final score is calculated by
IBPS with weightage of marks given to the main examination and
interview in the ratio of 80:20 respectively.

Penalty for Wrong Answers:
There is a penalty for wrong answers marked in the Objective
Tests of both Preliminary and Mains exams. A wrong answer to an
objective question by the candidate will lead to a penalty of one
fourth of the marks assigned to that question. For example, 0.25
marks will be deducted as penalty for wrong answer to a question
that carries 1 mark. There will be no penalty for leaving a question
blank, i.e. if no answer is marked by the candidate.

Final Score Calculation for IBPS PO Exam:
The final score for the IBPS PO exam is calculated keeping the following
points in mind:
• Marks obtained in the Preliminary Exam (Tier-1) will not be considered
in the final score and are only for qualifying to Mains Exam (Tier-2).
• Candidates must qualify Phase-2 and Interview separately to be eligible
for final merit.
• The weightage (ratio) of CWE Main exam and interview for final merit
list will be 80:20 respectively.
• The aggregate score out of 100 is used for the final merit list for each
category. Candidates with top merit rank in each category are finally
selected.

IBPS Recruitment
The IBPS Recruitment details contain relevant information related
to the IBPS Salary, vacancies, posts, etc.
Currently, the IBPS recruitment for the year 2019 is in progress and
soon IBPS shall release the official dates for the IBPS exams 2020
for various posts.
IBPS Salary
The IBPS Salary varies for various posts and exams accordingly.
The allowances and the perks included in the IBPS Salary are very
lucrative for all the posts.
The Bank salary related decisions are taken by the Institute of
Banking Personnel Selection.

Bank PO Salary
The Bank PO salary has many inclusive advantages along with
the basic pay.
For this reason, aspirants seeking jobs in the banking sector, find
the PO (Probationary Officer) post as the most sought-after job
with fruitful career growth option.
A Probation officer (PO) is an Assistant Manager of Scale I in the
bank.
The Indian bank PO salary varies for various posts like
1.Bank PO salary for SBI
2.Bank PO salary for IBPS

SBI PO Salary
The State Bank of India is reputed to have the highest salary range
among the public banks in India.
The SBI Exams are conducted to recruit candidates into various
revered posts under the State Bank of India.
In the following paragraphs, we will cover the SBI PO salary range.
Every year lakhs of candidates appear for the SBI PO exam to get into
the banking sector.
The SBI PO exam is conducted to recruit probationary officers for SBI.

The SBI PO salary structure is as follows:
• As per the SBI PO salary structure, the basic pay is set at Rs.
27,620/- with 4 advance increments.
• The minimum compensation per annum is Rs. 7.55 lakhs, the
maximum compensation is Rs. 12.93 lakhs, and it depends on the
place of posting and the other factors.
• In the annual package pf SBI PO salary, the various inclusions are
basic salary, city compensatory allowance, Tax & PPF, dearness
allowance, petrol, food allowance, compensation for bank stationery
& accommodation is provided if it is available at the place of your
posting.

The IBPS PO Vacancies are released by the Institute of Banking
Personnel Selection. Since the IBPS PO notification 2020 has yet not
released, candidates can check the vacancy details for 2019 recruitment
given below.
The IBPS PO Vacancies for the 2019-20 is given below

IBPS SO Vacancies
The IBPS SO vacancy details are usually released for the following
Posts:
I.T. Officer (Scale-I)
Agricultural Field Officer (Scale I)
Rajbhasha Adhikari (Scale I)
Law Officer (Scale I)
HR/Personnel Officer (Scale I)
Marketing Officer (Scale I)
IBPS Clerk Vacancies
The State-wise IBPS Clerk vacancies for 2019-20 have been released
by the Institute of Banking Personnel Selection in the official
Notification for Clerk exam.

IBPS PO Exam IBPS PO Exam dates 2019 IBPS PO Exam Dates 2020
IBPS PO Preliminary Exam October 12, 2019 October 3, 2020
October 13, 2019 October 4, 2020
October 19, 2019 0ctober 10, 2020
October 20, 2019
IBPS PO Main Exam November 30, 2019 November 26, 2020
IBPS Exam Dates
The IBPS Exam dates for the 2020 recruitment have been released in the
IBPS calendar 2020.
The IBPS Exam dates are subjected to change from time to time.
Candidates should be very careful while checking the exam dates for the
IBPS exams.
IBPS PO Exam dates
The important IBPS PO Exam dates for the 2019 & 2020 exam are as
follows:

IBPS SO Exam IBPS SO Exam dates 2019 IBPS SO Exam Dates 2020
IBPS SO Preliminary Exam December 28, 2019 December 26, 2020
December 29, 2019 December 27, 2020
IBPS SO Main Exam January 25, 2020 January 30, 2021
IBPS SO Exam dates
The IBPS SO Exam dates for the 2019-20 exams have been
published on the annual IBPS Exam Calendar.
The important IBPS SO Exam dates for 2019 & 2020 are as follows:

IBPS Clerk Exam IBPS Clerk Exam dates 2019 IBPS Clerk Exam Dates
2020
IBPS Clerk Preliminary
Exam
December 15, 2019
IBPS Clerk Main Exam January 19, 2020 January 24, 2021
IBPS Clerk Exam dates
The important IBPS Clerk Exam dates for the 2020 & 2019 exams are as
follows:

IBPS Clerk Exam dates
The important IBPS Clerk Exam dates for the 2020 & 2019 exams
are as follows:
IBPS RRB Exam IBPS RRB Posts IBPS RRB Exam
dates 2019
IBPS RRB Exam
Dates 2020
IBPS RRB
Preliminary Exam
Officer Scale I and
Office Assistants
August 03, 2019 August 1, 2020
August 18, 2019 August 16, 2020
August 25, 2019
IBPS RRB Single
Exam
Officers Scale II & III September 22, 2019 September 13, 2020
IBPS RRB Main
Exam
Officer Scale I
Office Assistants
September 22, 2019
September 29, 2019
September 13, 2019
September 19, 2020

IBPS Notification
The IBPS Notification for various bank exams is released by the
Institute of Banking Personnel Selection.
The IBPS Notification is usually published a few months before that
particular bank exam.
The official IBPS Notification is released for the following exams:
IBPS PO Exam
IBPS SO Exam
IBPS Clerk Exam
IBPS RRB Exam
IBPS PO Notification
The IBPS PO Notification gives all the relevant information related to
the exam.
The IBPS PO exam is officially known as the Central Recruitment
Process: Probationary Officer/Management Trainee or CRP PO/MT
for short.
It was started in 2011 replacing different exams of the IBPS that
recruited bankers separately for each PSB. Probationary officers
form the management cadre of public sector banks.
Given below is the IBPS PO official notification 2019:

IBPS PO Eligibility Criteria
IBPS PO Age Limit Maximum- 30 years
Minimum- 20 years
Nationality  Citizenship of India
 Subjects of Nepal or Bhutan
 Tibetan Refugee who arrived prior to 1
January 1962
 A person of Indian origin migrated from
Sri Lanka, Pakistan, Burma(Myanmar),
Vietnam or East African countries of the
United Republic of Tanzania, Uganda,
Kenya, Malawi, Zambia, Zaire or Ethiopia
to permanently settle in India.
Educational Qualification Bachelor’s Degree from a Recognized
University.
IBPS PO Eligibility
The important IBPS Eligibility details for the PO Exam are given below:
•For complete details regarding the IBPS PO Eligibility on other related
aspects such as age relaxation, refer to the linked article.

IBPS SO Eligibility Criteria
IBPS SO Age Limit Maximum- 30 years
Minimum- 20 years
January 1962
 A person of Indian origin migrated from
Sri Lanka, Pakistan, Burma(Myanmar),
Vietnam or East African countries of the
United Republic of Tanzania, Uganda,
Kenya, Malawi, Zambia, Zaire or
Ethiopia to permanently settle in India.
Educational Qualification Degree from a University/ Institution/ Board
recognized by Govt. Of India/ approved by
Govt. Regulatory Bodies.
IBPS SO Eligibility
The important IBPS Eligibility details for the SO exam are
given below:
•For complete details on the IBPS SO eligibility, refer to the
official IBPS SO Notification.

IBPS Clerk Eligibility Criteria
IBPS Clerk Age Limit Maximum- 28 years
Minimum- 20 years
January 1962
 A person of Indian origin migrated from Sri
Lanka, Pakistan, Burma(Myanmar), Vietnam
or East African countries of the United
Republic of Tanzania, Uganda, Kenya,
Malawi, Zambia, Zaire or Ethiopia to
permanently settle in India.
Educational Qualification Degree (Graduation) in any discipline from a
University recognised by the Govt. Of India
or
any equivalent qualification recognized as such
by the Central Government.
IBPS Clerk Eligibility
The important IBPS Eligibility details for the Clerk exam are given
below:

IBPS RRB Eligibility Criteria
IBPS RRB Age Limit Officer Scale- III (Senior Manager)– 21 years – 40
years
Officer Scale-II (Manager)- 21 years – 32 years
Officer Scale- I (Assistant Manager)- 18 years – 30
years
Office Assistant (Multipurpose)– 18 years – 28 years
 Tibetan Refugee who arrived prior to 1 January
1962
 A person of Indian origin migrated from Sri
Lanka, Pakistan, Burma(Myanmar), Vietnam or
East African countries of the United Republic of
Tanzania, Uganda, Kenya, Malawi, Zambia,
Zaire or Ethiopia to permanently settle in India.
Educational Qualification Bachelor’s degree in any discipline from a
recognized University.
IBPS RRB Eligibility
The important IBPS Eligibility details for the RRB exam are given
below:

THANK YOU
Best wishes

Introduction to Bank Exam

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