Part 10 — Data Interpretation: Tables & Graphs
Bank Deposits · Loan Portfolios · Profit & Loss · NPA · DI Tables, Bar Graphs, Pie Charts | 55 Original MCQs
DI Strategy: Read the data once carefully → identify units (crore, %, thousands) → for % change use (new−old)/old×100 → for ratio reduce to lowest terms → for averages sum÷count → approximate wisely: round to nearest 5 to save time. Always check if "total" includes all rows.
Set 1 — Bank Deposits Table (Q.1–5)
Study the table and answer Q.1–5
Deposits (₹ crore) of 5 banks over 4 years:
| Bank | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|
| A | 1200 | 1440 | 1680 | 2040 |
| B | 800 | 880 | 960 | 1040 |
| C | 1500 | 1650 | 1800 | 2250 |
| D | 600 | 720 | 840 | 900 |
| E | 900 | 990 | 1080 | 1170 |
Q.1 Easy
What is the total deposits (₹ crore) of all five banks in 2022?
Answer: B — 1680+960+1800+840+1080 = 6360 crore.
Q.2 Easy
What is the percentage increase in Bank A's deposits from 2020 to 2023?
Answer: C — (2040−1200)/1200 × 100 = 840/1200 × 100 = 70%.
Q.3 Moderate
Which bank shows the highest percentage growth in deposits from 2020 to 2023?
Answer: A — A: 70%, B: 30%, C: (2250−1500)/1500=50%, D: (900−600)/600=50%, E: (1170−900)/900=30%. Bank A at 70% is highest.
Q.4 Moderate
What is the ratio of Bank B's deposits in 2021 to Bank D's deposits in 2022?
Answer: B — 880:840 = 88:84 = 22:21.
Q.5 Easy
What is the average deposits (₹ crore) of all five banks in 2023?
Answer: B — (2040+1040+2250+900+1170)/5 = 7400/5 = 1480 crore.
Set 2 — Loans Disbursed by Sector (Q.6–10)
Loans disbursed (₹ crore) by 4 banks across 4 sectors:
| Bank | Agriculture | Industry | Retail | MSME | Total |
|---|---|---|---|---|---|
| P | 240 | 360 | 180 | 120 | 900 |
| Q | 180 | 420 | 300 | 100 | 1000 |
| R | 300 | 480 | 240 | 180 | 1200 |
| S | 150 | 300 | 210 | 90 | 750 |
Q.6 Easy
What is the total loans disbursed by all banks in the Industrial sector?
Answer: B — 360+420+480+300 = 1560 crore.
Q.7 Easy
Bank R's agricultural loans are what percentage of Bank P's agricultural loans?
Answer: B — 300/240 × 100 = 125%.
Q.8 Moderate
What is the ratio of Bank Q's retail loans to Bank S's retail loans?
Answer: B — 300:210 = 10:7.
Q.9 Moderate
By how much (₹ crore) does Bank R's total loans exceed Bank S's total loans?
Answer: C — 1200−750 = 450 crore.
Q.10 Moderate
If Bank P's MSME loans increase by 25%, what will be the new total MSME loans across all 4 banks?
Answer: C — Original MSME total = 120+100+180+90=490. P's new MSME = 120×1.25=150 (increase of 30). New total = 490+30 = 520 crore.
Set 3 — Bank X Annual Profit (Line Graph, Q.11–15)
Annual profit (₹ crore) of Bank X:
| Year | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|
| Profit | 400 | 480 | 600 | 720 | 900 |
Q.11 Easy
What is the percentage increase in profit from 2019 to 2023?
Answer: C — (900−400)/400 × 100 = 500/400 × 100 = 125%.
Q.12 Moderate
In which period was the percentage growth in profit highest?
Answer: D — 2019–20: 80/400=20%; 2020–21: 120/480=25%; 2021–22: 120/600=20%; 2022–23: 180/720=25%. Both 2020–21 and 2022–23 show 25%. Of the choices, D (2022–23) is correct as it is the most recent period showing the peak growth of 25%.
Q.13 Easy
What is the average annual profit of Bank X over all five years?
Answer: C — (400+480+600+720+900)/5 = 3100/5 = 620 crore.
Q.14 Moderate
Profit in 2022 is approximately what percentage of profit in 2023?
Answer: D — 720/900 × 100 = 80%.
Q.15 Hard
If profit grows at 20% in 2024 (same as 2019–20 rate), what will be the 2024 profit?
Answer: C — 900 × 1.20 = 1080 crore.
Set 4 — Loan Portfolio Pie Chart (Q.16–20)
Distribution of ₹8000 crore loan portfolio:
| Category | Share (%) | Amount (₹ cr) |
|---|---|---|
| Home Loans | 30 | 2400 |
| Auto Loans | 15 | 1200 |
| Education Loans | 10 | 800 |
| Personal Loans | 20 | 1600 |
| Agricultural | 15 | 1200 |
| Others | 10 | 800 |
Q.16 Easy
By how much (₹ crore) do Home Loans exceed Education Loans?
Answer: C — 2400−800 = 1600 crore.
Q.17 Easy
What is the combined value (₹ crore) of Auto and Agricultural loans?
Answer: B — 1200+1200 = 2400 crore (15%+15%=30% of 8000).
Q.18 Moderate
If Personal Loans grow by 25%, what will be the new total portfolio size?
Answer: C — Personal Loans new = 1600×1.25=2000 (increase=400). New total = 8000+400 = 8400 crore.
Q.19 Moderate
What is the ratio of Home Loans to Others in the portfolio?
Answer: A — 2400:800 = 3:1.
Q.20 Moderate
If Education Loans' share increases to 15% (total portfolio stays ₹8000 crore), what is the increase in value?
Answer: B — New = 8000×0.15=1200. Old = 800. Increase = 400 crore.
Set 5 — NPA (%) Data Table (Q.21–25)
NPA as % of Gross Advances for 5 banks:
| Bank | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|
| SB | 8.0 | 7.2 | 6.5 | 5.8 |
| UB | 12.0 | 10.5 | 9.2 | 8.0 |
| PB | 5.5 | 5.0 | 4.5 | 4.0 |
| CB | 7.0 | 6.5 | 6.0 | 5.0 |
| IB | 9.5 | 8.8 | 7.5 | 6.5 |
Q.21 Moderate
Which bank showed the highest absolute reduction in NPA from 2020 to 2023?
Answer: B — SB: 2.2pp, UB: 4.0pp, PB: 1.5pp, CB: 2.0pp, IB: 3.0pp. UB has highest reduction.
Q.22 Moderate
What is the average NPA (%) of all 5 banks in 2022?
Answer: C — (6.5+9.2+4.5+6.0+7.5)/5 = 33.7/5 = 6.74%.
Q.23 Hard
PB's NPA in 2020 is what percentage higher than PB's NPA in 2023?
Answer: C — (5.5−4.0)/4.0 × 100 = 1.5/4 × 100 = 37.5%.
Q.24 Moderate
How many banks have NPA below 6% in 2023?
Answer: C — SB=5.8% ✓, UB=8.0% ✗, PB=4.0% ✓, CB=5.0% ✓, IB=6.5% ✗. Three banks (SB, PB, CB) have NPA below 6%.
Q.25 Easy
What is the ratio of SB's NPA in 2021 to IB's NPA in 2022?
Answer: C — 7.2:7.5 = 72:75 = 24:25.
Set 6 — Income & Expenditure (Q.26–30)
Income, Expenditure and Net Profit of 5 banks (₹ crore):
| Bank | Income | Expenditure | Net Profit |
|---|---|---|---|
| A | 5000 | 4200 | 800 |
| B | 3500 | 3000 | 500 |
| C | 6000 | 5100 | 900 |
| D | 2800 | 2500 | 300 |
| E | 4500 | 3750 | 750 |
Q.26 Easy
What is the total net profit (₹ crore) of all five banks?
Answer: C — 800+500+900+300+750 = 3250 crore.
Q.27 Easy
What is the total income (₹ crore) of all five banks?
Answer: C — 5000+3500+6000+2800+4500 = 21800 crore.
Q.28 Moderate
Bank C's expenditure is what percentage of its income?
Answer: D — 5100/6000 × 100 = 85%.
Q.29 Moderate
Bank A's profit margin (net profit/income) is what percentage?
Answer: C — 800/5000 × 100 = 16%.
Q.30 Hard
What is the ratio of Bank B's income to Bank E's expenditure?
Answer: B — 3500:3750 = 350:375 = 70:75 = 14:15.
Set 7 — Savings Account Holders (Bar Graph, Q.31–35)
Savings account holders (thousands) in a bank:
| Year | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|
| Holders | 250 | 300 | 375 | 450 | 540 |
Q.31 Easy
What is the total savings account holders over all five years (in thousands)?
Answer: B — 250+300+375+450+540 = 1915 thousand.
Q.32 Moderate
What is the percentage increase in account holders from 2019 to 2023?
Answer: C — (540−250)/250 × 100 = 290/250 × 100 = 116%.
Q.33 Moderate
In which period was the absolute increase in account holders highest?
Answer: D — 2019–20: +50; 2020–21: +75; 2021–22: +75; 2022–23: +90. Highest absolute increase is 2022–23.
Q.34 Moderate
What is the average annual absolute increase in account holders from 2019 to 2023?
Answer: D — Total increase = 540−250=290 over 4 years. Average = 290/4 = 72.5 thousand per year.
Q.35 Hard
If the 2022–23 growth rate continues in 2024, what will be the number of account holders (in thousands)?
Answer: C — 2022–23 growth rate = (540−450)/450 = 90/450 = 20%. New = 540 × 1.20 = 648 thousand.
Set 8 — Simple Interest on FD Investments (Q.36–40)
FD investment details of 5 customers:
| Customer | Principal (₹) | Rate (%) | Time (years) |
|---|---|---|---|
| P | 12,000 | 8 | 3 |
| Q | 15,000 | 6 | 4 |
| R | 10,000 | 10 | 2 |
| S | 20,000 | 5 | 3 |
| T | 8,000 | 12 | 2.5 |
SI = (P × R × T) / 100
Q.36 Easy
What is the Simple Interest earned by Customer P?
Answer: C — SI = 12000×8×3/100 = ₹2880.
Q.37 Moderate
Which customer earns the highest Simple Interest?
Answer: B — P=2880, Q=15000×6×4/100=3600, R=2000, S=3000, T=8000×12×2.5/100=2400. Q earns highest.
Q.38 Moderate
What is the total Simple Interest earned by all five customers?
Answer: C — P=2880, Q=3600, R=2000, S=3000, T=2400. Total = 2880+3600+2000+3000+2400 = ₹13,880.
Q.39 Moderate
What is the ratio of SI earned by Customer P to SI earned by Customer T?
Answer: C — 2880:2400 = 288:240 = 6:5.
Q.40 Hard
If Customer R's interest rate increases to 15%, what will be the new SI earned by R?
Answer: C — SI = 10000×15×2/100 = ₹3000.
Set 9 — Credit Card Transactions Pie Chart (Q.41–45)
Credit card transaction share — Total = ₹12,000 crore:
| Bank | Share (%) | Amount (₹ cr) |
|---|---|---|
| Alpha | 25 | 3000 |
| Beta | 20 | 2400 |
| Gamma | 18 | 2160 |
| Delta | 22 | 2640 |
| Epsilon | 15 | 1800 |
Q.41 Easy
By how much (₹ crore) does Alpha's transactions exceed Epsilon's?
Answer: C — 3000−1800 = 1200 crore.
Q.42 Easy
What is the combined value (₹ crore) of Beta and Gamma's transactions?
Answer: C — 2400+2160 = 4560 crore (18+20=38% of 12000).
Q.43 Moderate
If total transactions grow by 10% and Alpha maintains its 25% share, what is Alpha's new transaction value?
Answer: C — New total = 12000×1.1=13200. Alpha = 13200×0.25 = 3300 crore.
Q.44 Moderate
What is the ratio of Delta's transactions to Gamma's transactions?
Answer: B — 2640:2160 = 264:216 = 22:18 = 11:9.
Q.45 Hard
If Epsilon's share increases from 15% to 20%, and total remains ₹12,000 crore, what is the increase in Epsilon's transaction value?
Answer: C — New = 12000×0.20=2400. Old = 1800. Increase = 600 crore.
Set 10 — Branch-wise Bank Performance (Q.46–50)
Six branches of a bank — Deposits, Advances, NPA (₹ crore):
| Branch | Deposits | Advances | NPA |
|---|---|---|---|
| North | 800 | 600 | 30 |
| South | 1200 | 900 | 54 |
| East | 600 | 480 | 24 |
| West | 1000 | 750 | 45 |
| Central | 1500 | 1200 | 60 |
| Metro | 2000 | 1600 | 80 |
Q.46 Easy
What is the total advances (₹ crore) of all six branches?
Answer: C — 600+900+480+750+1200+1600 = 5530 crore.
Q.47 Moderate
What is the NPA as percentage of Advances for the South branch?
Answer: B — 54/900 × 100 = 6%.
Q.48 Hard
Which branch has the lowest NPA as percentage of Advances?
Answer: D — North: 30/600=5%, South: 54/900=6%, East: 24/480=5%, West: 45/750=6%, Central: 60/1200=5%, Metro: 80/1600=5%. Four branches share the lowest NPA% of 5%.
Q.49 Moderate
What is the ratio of deposits to advances for the Central branch?
Answer: C — 1500:1200 = 5:4.
Q.50 Hard
By how much (₹ crore) do total deposits exceed total advances across all branches?
Answer: C — Total deposits = 800+1200+600+1000+1500+2000=7100. Total advances=5530. Difference = 7100−5530 = 1570 crore.
Set 11 — Standalone DI Questions (Q.51–55)
Q.51 Moderate
A bank's interest income over 3 years is in the ratio 3:4:5. If total interest income is ₹3600 crore, what is the interest income in Year 3?
Answer: B — Year 3 share = 5/(3+4+5) = 5/12. Income = 5/12 × 3600 = 1500 crore.
Q.52 Moderate
A bank's profit increased by 20% in Year 1 then decreased by 10% in Year 2. If initial profit was ₹500 crore, what is profit after Year 2?
Answer: C — After Y1: 500×1.20=600. After Y2: 600×0.90 = 540 crore.
Q.53 Easy
A bank collected deposits: Q1=₹2400 cr, Q2=₹2800 cr, Q3=₹2600 cr, Q4=₹3200 cr. What is the average quarterly deposit?
Answer: C — (2400+2800+2600+3200)/4 = 11000/4 = 2750 crore.
Q.54 Hard
A bank's ₹6000 crore loan portfolio has 35% in Housing and 15% in Car loans. By how much do Housing loans exceed Car loans?
Answer: C — Housing = 6000×0.35=2100; Car = 6000×0.15=900. Difference = 2100−900 = 1200 crore.
Q.55 Hard
From a bar graph, Bank A's deposits grew from ₹4500 crore to ₹6300 crore over 3 years. What is the approximate CAGR (Compound Annual Growth Rate)?
Answer: C — CAGR = (6300/4500)^(1/3) − 1 = (1.4)^(0.333) − 1 ≈ 1.12 − 1 = 12%. (Simple % increase = 40% over 3 years → CAGR ≈ 12%.)