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ibps prep

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Computer Terms for IBPS PO Exam- 17 June 2012

Application Files- Program files environment where you can create and edit the kind of document that
application makes

Bug- a fault in a computer program which prevents it from working correctly Central Processor Unit (CPU) - This is where the entire computer's data processing is handled - all
the data manipulation, calculations and formatting data for output.

Click- To select an object by pressing the mouse button when the cursor is pointing to the required
menu option, icon or hypertext link

Close - To close a window that has been opened for viewing and / or editing Computer- A general-purpose machine that processes data according to a set of instructions that are
stored internally either temporarily or permanently

Cookie- A packet of information that travels between a browser and the web server CPU- An acronym for Central Processing Unit and is often used to refer to a computer system, such as
"That beige box sitting next to my 24" flat screen monitor is my new CPU

Crash- Your computer or application no longer works correctly and so you "loose" all the work you've
done since the last time you saved

Creating A File- Storing data as a file with an assigned file name that is unique within the directory it
resides in

Delete- To remove an item of data from a file or to remove a file from the disk Desktop- An on-screen representation of a desktop such as used in the Macintosh and Windows
operating systems

Dialog Boxes- Takes over your screen and allows you to ‘dialog' with the computer Directory (AKA Folder, sub-directory)- Allows you to organize files and other folders Disk Space- This is the place where your files live. The greater the disk space the more files you can
keep. More disk space is always better than less. You can never have much disk space.

Document Files- Files we care about (memos, letters, pictures, etc. Documents- Files you create and edit Double Click- To press the mouse button twice in rapid succession without moving the mouse between

Drag- To move an object on screen in which its complete movement is visible from starting location to

Edit- To make a change to existing data File Cabinet- Metaphorically, the hard drive (and other kinds of storage media like floppy disks) which
store files and folders

Folder Icons- Collections of documents and other folders

Google- search engine on the web Hotmail- free email service, now part of MSN Icon View- Allows you to see icons of folders and files primarily as icons with little information Icons- In a graphical user interface (GUI), a small, pictorial, on screen representation of an object, such
as a document, program, folder or disk drive.

Keyboard- This if the primary text input device. It also contains certain standard function keys, such as
the Escape key, tab, and arrow keys, shift and control keys, and sometimes other manufacturercustomized keys.

Macintosh- Macintosh, Mac - a personal computer from Apple Computer Mouse- Pointing device that allows you to tell the computer what to do Mozilla- a web browser and successor to Netscape Communicator Operating System (OS) - System software that allows your computer to work Pentium- Microprocessor from Intel Random Access Memory (RAM) - This stands for Random Access Memory. You can think of this as
the "space" where you computer does its processing. The more space you have the more processes you can run at the same time. More RAM is always better than less. You can never have much RAM.

Recycle Bin- Place where you put files and folders that you may later want to delete or get rid of.
Compare Trash

Resize Box- Allows you to change the size and shape of a window Right click- To press the right button on the mouse. (This is Windows specific. On a Mac running
System 8 or higher, you hold down the Control key and then click to get the same effect.)

Save As- Give the file a name and/or store the file in a certain place Save- Tell the computer to create a file on disk that has the information you've put into the document
(usually typing)

Scroll bar- Allows you to move around through your document Shut down- To quit all applications and turn off the computer Software- Instructions that tell the computer what to do Spam- unwanted repetitious messages, such as unsolicited bulk e-mail System files- Allows our computer to work
Tags: computer terms for PO exam 2012, computer terms for bank exams, probationary exam computer terms 2012

Trash- Place where you put files and folders that you want to delete or get rid of Trojan Horse- a malicious program that is disguised as legitimate software. The term is derived from
the classical myth of the Trojan Horse. Analogously, a Trojan horse appears innocuous (or even to be a gift), but in fact is a vehicle for bypassing security

Unix- an operating system Virus- a piece of program code that spreads by making copies of itself Volume Icons- Devices that hold files and folders Wiki or WikiWiki- a hypertext document collection or the collaborative software used to create it

Banking Terms for IBPS PO Exam- 17 June 2012:
AIDB- All India Development Bank ATM- Automated Teller Machine is a machine uses a computer that verifi es your account information and PIN (Personal Identification Number) and will dispense or deposit funds per your request)AnnuityFixed amount of cash to be received every year for a specified period of time Asset/Liability Risk- A risk that current obligations/ liabilities cannot be met with current assets. Assets- Things that one owns which have value in financial terms. Banking Cash Transaction Tax (BCTT) - BCTT is a small tax on cash withdrawal from bank exceeding a particular amount in a single day Bank Credit – Bank Credit includes Term Loans, Cash Credit, Overdrafts, Bills purchased & discounted, Bank Guarantees, Letters of Guarantee, Letters of credit. Bank Debits - Sum of the value of all cheques and other instruments charged against the deposited funds of a bank’s customer. Bank Rate - Interest rate paid by major banks if they borrow from RBI, the Central Bank of the country. Bank Statement - A periodic record of a customer’s account that is issued at regular intervals, showing all transactions recorded for the period in question Basis Point- Basis Point is one-hundredth of one percentage point (i.e. 0.01%), normally used for indicating spreads or cost of finance. Balance of Payment (BoP) – BoP is a statement showing the country’s trade and financial transactions (all economic transactions), in terms of net outstanding receivable or payable from other countries, with the rest of the world for a period of time BR Act - Banking Regulation Act Cash reserve Ratio (CRR) - CRR is the amount of funds that the banks have to keep with the RBI. If the central bank decides to increase the CRR, the available amount with the banks comes down CAD- current account deficit

Capital Adequacy Ratio (CAR) – CRR is a ratio of total capital divided by risk-weighted assets and risk-weighted off-balance sheet items. Cash Credit (CC) - An arrangement whereby the bank gives a short-term loan against the selfliquidating security Certificate of Deposit (CD) - CD is a negotiable instrument issued by a bank evidencing time deposit Cheque - A written order on a bank instrument for payment of a certain amount of money. C-D ratio- Credit- Deposit Ratio Corporate Banking - Banking services for large firms CRAR - Capital to Risk-Weighted Assets Ratio Credit Crunch - Fall in supply of credit even though there is sufficient demand for it Cross default - Two loan agreements connected by a clause that allows one lender to recall the loan if the borrower defaults with another, and vice versa. Deposit: A check or cash that is put into your bank account. Endorse: To sign the back of your check before cashing or depositing it, as proof that you are the person the check was written out to. Equitable mortgage - Mortgage under which one still owns the property which is security for the mortgage. The owner can occupy or live in the property Exchange Rate - The rate at which one currency may be exchanged for another FRNs - Floating Rate Notes Fixed assets - Assets such as land, buildings, machinery or property used in operating a business that will not be consumed or converted into cash during the current accounting period Fixed Rate - A predetermined rate of interest applied to the principal of a loan or credit agreement

IFSC Code - Indian Financial System Code or IFSC code is an eleven character code assigned by RBI to identify every bank branches uniquely, that are participating in NEFT system in India Liquidation – Liquidation is divestment of all the assets of a firm so that the firm ceases to exist Liquidity- The extent to which or the ease with which an asset may quickly be converted into cash with the least administrative and other costs Letter of Credit (LC) - A formal document issued by a bank on behalf of a customer, stating the conditions under which the bank will honour the commitments of the customer Line of Credit - pre-approved credit facility (usually for one year) enabling a bank customer to borrow up to the specified maximum amount at any time during the relevant period of time. MICR- Magnetic Ink Character Recognition or MICR is the bottom line on all checks. It is printed using a special font. Monthly Statement: statement received by customers at the end of the month about the account’s activity (what went in and what came out) from the previous month. NEFT- national electronic funds transfer Non Performing Assets (NPA) - When due payments in credit facilities remain overdue above a specified period, then such credit facilities are classified as NPA. NBFCs- Non-banking Finance Companies NHB- National Housing Bank Overdraw: To write a check for more money than what is present in the account. Usually there is a fee (known as NSF/non-sufficient funds) Principal- Principal is the amount of debt that must be repaid. Also means a person who deals in securities on his own account and not as a broker Prime Lending Rate (PLR) - The rate of interest charged on loans by banks to their most creditworthy customers PSB - Public Sector Bank

Repo rate- the rate at which the RBI lends money to banks Reverse repo rate- Reverse Repo rate is the rate at which the RBI borrows money from commercial banks SCBs - Scheduled Commercial Banks Statutory Liquidity Ratio- SLR is Statutory Liquidity Ratio. It’s the percentage of Demand and Time Maturities that banks need to have in any or combination of the following forms: i) Cash ii) Gold valued at a price not exceeding the current market price, iii) Unencumbered approved securities (G Secs or Gilts come under this) valued at a price as specified by the RBI from time to time Standby Letter of Credit - A guarantee issued by a bank, on behalf of a buyer that protects the seller against non-payment for goods shipped to the buyer Securitization - Securitization is a process of transformation of a bank loan into tradable securities Selective Credit Control (SCC) - Control of credit flow to borrowers dealing in some essential commodities to discourage hoarding and black-marketing Tier 1 Capital - Refers to core capital consisting of Capital, Statutory Reserves, Revenue and other reserves, Capital Reserves (excluding Revaluation Reserves) and unallocated surplus/ profit but excluding accumulated losses, investments in subsidiaries and other intangible assets Tier 2 Capital - Comprises Property Revaluation Reserves, Undisclosed Reserves, Hybrid Capital, Subordinated Term Debt and General Provisions. This is Supplementary Capital. Withdrawal: To take money out of your bank account. To make a withdrawal is the opposite of making a deposit

Marketing Terms for IBPS PO Exam- 17 June 2012:
Above the line: "Above the Line" is the term commonly used for advertising for which a payment is
made and for which commission is paid to the advertising agency. Methods of above the line advertising include television and radio, magazines, newspapers and Internet.

Ad hoc market research: Ad-hoc research focuses on specific marketing problems. It involves the
collection of data at one point in time from one sample of respondents.

Added value: Added value refers to the increase in worth of a product or service as a result of a
particular activity. In the context of marketing, the added value is provided by features and benefits over and above those representing the "core product".

Ad-Valorem Duties: These are the duties determined as a certain percentage of prices of the product. AIDA: Attention Interest Desire Action AIFI: All India Financial Institution ALCO: Asset-Liability Management Committee ALM: Asset/ liability management involves a set of techniques to create value and manage risks in a

Ambush marketing: A deliberate attempt by a business or brand to associate itself with an event
(often a sporting event) in order to gain some of the benefits associated with being an official sponsor without incurring the costs of sponsorship

AMC: Asset Management Committee Annual Financial Statement: It is a statement of receipts and expenditure of states for the financial
year, presented to Parliament by the government. It is divided into three parts: Consolidated Fund, Contingency Fund and Public Account.

Appropriation Bill: It is presented to Parliament for its approval, so that the government can withdraw
from the Consolidated Fund the amounts required for meeting the expenditure charged on the Consolidated Fund. No amount can be withdrawn from the Consolidated Fund till the Appropriation Bill is voted is enacted.

Appropriation Bill: This Bill is like a green signal enabling the withdrawal of money from the
Consolidated Fund to pay off expenses. These are instruments that Parliament clears after the demand for grants has been voted by the Lok Sabha.

Augmented brand: The additional customer services and benefits ("added value") that are built around
the core product or service offering

Balance Of Payments: The difference between demand and supply of a country's currency in the
foreign exchange market.

Balance Of Trade: The difference between monetary value of exports and imports of output in an
economy over a certain period of time. It is the relationship between a nation's imports and exports.

Banking Cash Transaction Tax (BCTT): BCTT is a small tax on cash withdrawal from bank exceeding
a particular amount in a single day. The basic idea is to curb the black economy and generate a record of big cash transactions. This tax was introduced in 2005-06 budget.

Behavioural Segmentation: Behavioural segmentation divides customers into groups based on the
way they respond to, use or know of a product.

Bond: A negotiable instrument evidencing debt, under which the issuer promises to pay the holder its
face value plus interest as agreed.

Brand building: Developing a brand's image and standing with a view to creating long term benefits for
brand awareness and brand value

Brand equity: Brand equity refers to the value of a brand. Brand equity is based on the extent to which
the brand has high brand loyalty, name awareness, perceived quality and strong product associations. Brand equity also includes other "intangible" assets such as patents, trademarks and channel relationships.

Brand extension: Brand extension refers to the use of a successful brand name to launch a new or
modified product in a new market. Virgin is perhaps the best example of how brand extension can be applied into quite diverse and distinct markets.

Brand image: Brand image refers to the set of beliefs that customers hold about a particular brand.
These are important to develop well since a negative brand image can be very difficult to shake off.

Brand loyalty: A strongly motivated and long standing decision to purchase a particular product or

Budget estimates: It is an estimate of Fiscal Deficit and Revenue Deficit for the year. The term is
associated with estimates of the Center's spending during the financial year and income received as proceeds of tax revenues

Budgetary Deficit: Such a situation arises when expenses exceed revenues. Here the entire budgetary
exercise falls short of allocating enough funds to a certain area.

Business to business: Marketing activity directed from one business to another (as opposed to a
consumer). This term is often shortened to "B2B" businesses communicating with customers.

Capital Budget: Capital Budget keeps track of the government's capital receipts and payments. This
accounts for market loans, borrowings from the Reserve Bank and other institutions through sale of Treasury Bills, loans acquired from foreign governments and recoveries of loans granted by the Central government to State governments and Union Territories.

Capital Budget: It consists of capital receipts and payments. It also incorporates transactions in the
Public Account. It has two components: Capital Receipt and Capital Expenditure.

Capital budget: The list of planned capital expenditures prepared usually annually Capital Gain and
Loss. The difference between the price that is originally paid for a security and cash proceeds at the time of maturity (face value of bond) or at the time of sale (selling price of a bond or stock). When the difference is positive, it is a gain, but when it is negative, it is a loss.

Capital Expenditure: It consists of payments for acquisition of assets like land, buildings, machinery,
equipment, as also investments in shares etc, and loans and advances granted by the Central government to state and union territory governments, government companies, corporations and other parties.

Capital expenditure: Long-term in nature they are used for acquiring fixed assets such as land,
building, machinery and equipment. Other items that also fall under this category include, loans and advances sanctioned by the Center to the State governments, union territories and public sector undertakings.

Capital Goods: Goods used in the manufacturing of finished products Capital investments: Money used to purchase permanent fixed assets for a business, such as
machinery, land or buildings as opposed to day-to-day operating expenses.

Capital Market: Market in which financial instruments are bought and sold. Capital Payments: Expenses incurred on acquisition of capital assets
Capital Receipt: Capital Receipts consist of loans raised by the Center from the market, government borrowings from the RBI & other parties, sale of Treasury Bills and loans received from foreign governments. Other items that also fall under this category include recovery of loans granted by the Center to State governments & Union Territories and proceeds from the dilution of the government's stake in Public Sector Undertakings.

Capital Receipt: The main items of capital receipts are loans raised by the government from public
which are called market loans, borrowings by the government from the Reserve Bank of India and other parties through sale of Treasury Bills, loans received from foreign governments and bodies and recoveries of loans granted by the Central government to state and union territory governments and other parties. It also includes proceeds from disinvestment of government equity in public enterprises.

Capital Structure: The composition of a firm's long-term financing consisting of equity, preference
shares, and long-term debt.

Capital: Funds invested in a firm by the owners for use in conducting the business. CCI: Competition Commission of India Central Plan Outlay: It refers to the government's budgetary support to the Plan. It is the division of
monetary resources among different sectors in the economy and ministries of the government.

CENVAT: This is a replacement for the earlier MODVAT scheme and is meant for reducing the cascade
effect of indirect taxes on finished products. This is more extensive scheme with most goods brought under its preview

CESS: This is an additional levy on the basic tax liability. Governments resort to cess for meeting specific
expenditure. For instance, both corporate and individual income is at present subject to an education cess of 2%. In the last Budget, the government had imposed another 1% cess as secondary and higher education cess on income tax to finance secondary and higher education.

Cognitive dissonance: Cognitive dissonance is an customer effect commonly observed after a major
purchase whereby the customer feels uncertainty about whether the purchase should have been made. Post-purchase promotion (particularly advertising) has a role to play to reduce the incidence and effect of cognitive dissonance

Combination brand: A combination brand name brings together a family brand name and an individual
brand name. The idea here is to provide some association for the product with a strong family brand name but maintaining some distinctiveness so that customers know what they are getting

Competitive advantage: A competitive advantage is a clear performance differential over the
competition on factors that are important to customers

Competitor benchmarking: Competitor benchmarking compares customer satisfaction with the
products, services and relationships of the business with those of key competitors

Consolidated Fund: This is one big reservoir where the government pools all its funds together. The
fund includes all government revenues, loans raised and recoveries of loans granted.

Trainings & Placements

Dated: 11.06.2012

To, The Director IITM Chakrata Road, Dehradun.

Sub.: Training Facilitation modules

Dear Sir, This is in reference to the various trainings facilitation programmes conducted and delivered by us, we hereby intend to submit our profile and proposal for the same at your esteemed institution. About us, we are a training and human resource consultation firm having a varied exposure of over 5 years, in the said job. Our team consists of professionals from diversified backgrounds with more than a decade of experience. The detailed profile is enclosed herewith for your kind reference and perusal. Seeking for an opportunity to exhibit our exposure at your benefit. Thanks and Regards.

(S Mukherjee) Manager – Training & Distribution

Company Profile

Lakshya Trainings & Placements is a premier Training and Human Resource Consulting firm with a vision to provide professional trainings, placements and talent search services to corporates. Having worked with various reputed corporate houses, we have a strong credibility for providing in-house and onsite trainings. We also facilitate exciting careers in MNC and reputed startup corporate houses across locations in India. Our areas of specialization in trainings include Managerial, Floor Level, Need Base, Soft Skills, Insurance & Financial Services, Production Based Companies and Information Technology. We have also made our presence felt in domains of Business Development, Marketing, sales and other support functions. Lakshya Trainings & Placements has emerged as a one-stop shop for all HR and Personnel requirements – Senior & Middle level search, database selection, Turnkey recruitment, Onsite Resourcing and Contract Staffing. We at Lakshya Trainings & Placements believe in elevating channel relations from Vendor ship to partnerships by committed and competent service.

SERVICE OFFERINGS      Corporate Trainings Need Base Trainings Integrated Placement Services Database Selection One on one counseling

OUR STRENGTHS       Personal and Organisational development through structured traiings. Need Base Analysis Team of Proficient Trainers from varied backgrounds. Ability to conduct focused search for key skills and positions. Strong process orientation and technical assessment capability. Right Person for Right Job

OUR TEAM Includes Technocrats, Human Resource Experts, Professional Speakers, and Functional Consultants. This matrix of talent & expertise facilitates understanding the bigger picture and add value to client’s training needs, recruitment processes & strategies. The agency is headed by Management professionals with more than 10 years of diversified experience in industries like Telecom, Finance, IT, FMCG, Law, Medicine, Consulting and Administration. A FEW OF OUR CLIENTELE: 1. 3. 5. 7. 9. Bluedart Courier & Cargo Ltd. M.P.S Technologies Redington India. Metlife Insurance Virtuaal Retail Pvt. Ltd. 2. Future Generali Life Insurance Co. 4. 6. 8. Aegon Religare Life Insurance Zircon India Ltd. Himalayan Packaging

10. Luxor Writing 12. Meditron 14. ONGC 16. Amar Remedies 18. Cheema Printpack Ltd 20. Ceasefire 22. Rohan Motors Ltd. 24. Marico Ltd.

11. Aviva Life Insurance 13. ING Vysya Life Insurance 15. Bajaj Allianz General Insurance 17. Karvy Stocking 19. HDFC AMC 21. Bharti AXA Life Insurance. 23. Fullerton India

For Lakshya Trainings & Placements

(Authorised Signatory)
8/2, Kaulagarh Road, Dehradun – 248 001 (Uttarakhand)

Tel.: 0135-2756003 Mob.: 09897303777, 8650550005 Email: lakshya.dehradun@gmail.com

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