Bank Numerical Reasoning Test Practice

PART 1 · QUESTION 2

From Table 1.

What share of the Year 2 book was agriculture?

PART 1 · QUESTION 3

From Table 1.

Which sector grew fastest in percentage terms?

PART 1 · QUESTION 4

From Table 1.

If manufacturing falls by the same percentage again next year, what will it be, to the nearest US$1m?

PART 2

Five branches

Four questions on one table. A calculator is fine; work each one before you look at the options.

TABLE 2 · FIVE BRANCHES

One region's branches at the year end. Deposits and loans in US$m, annual running cost in US$000.

	Deposits	Loans	Staff	Cost
Central	120	96	20	2,800
Harbour	84	63	12	1,560
Northgate	52	65	9	1,080
Riverside	66	72	11	1,430
Westfield	45	27	6	690

PART 2 · QUESTION 5

From Table 2.

Which branch has the highest ratio of loans to deposits?

PART 2 · QUESTION 6

From Table 2.

What is the running cost per member of staff at Central?

PART 2 · QUESTION 7

From Table 2.

By how much do the region's deposits exceed its loans?

PART 2 · QUESTION 8

From Table 2.

What is Riverside's running cost as a percentage of its deposits?

PART 3

International payments

Four questions on one table. A calculator is fine; work each one before you look at the options.

TABLE 3 · INTERNATIONAL PAYMENTS

What one US dollar buys today. The bank's fee on a payment is 0.5% of the US dollar amount, with a minimum of US$15.

Currency	Per US$1
Euro (EUR)	0.92
Pound sterling (GBP)	0.79
Australian dollar (AUD)	1.52
New Zealand dollar (NZD)	1.65

PART 3 · QUESTION 9

From Table 3.

A customer sends US$8,000 to Europe. How many euros arrive, before any fee?

PART 3 · QUESTION 10

From Table 3.

What is the fee on a payment of US$2,000?

PART 3 · QUESTION 11

From Table 3.

A supplier must receive GBP 3,950. How many US dollars are needed, before any fee?

PART 3 · QUESTION 12

From Table 3.

Through the US dollar, about how many New Zealand dollars does one Australian dollar buy?

PART 4

A bank's results

Four questions on one table. A calculator is fine; work each one before you look at the options.

TABLE 4 · A BANK'S RESULTS

Two years of a bank's results. Figures in US$m.

	Year 1	Year 2
Interest income	410	470
Interest expense	230	290
Fee income	60	66
Operating costs	132	138
Impairment charge	12	18
Average interest-earning assets	6,000	6,400

PART 4 · QUESTION 13

From Table 4.

What was net interest income in Year 2?

PART 4 · QUESTION 14

From Table 4.

What was the net interest margin in Year 2?

PART 4 · QUESTION 15

From Table 4.

What was the cost-to-income ratio in Year 2?

PART 4 · QUESTION 16

From Table 4.

How did pre-tax profit change from Year 1 to Year 2?

PART 5

Arrears

Four questions on one table. A calculator is fine; work each one before you look at the options.

TABLE 5 · ARREARS

A home loan book through one year. Figures in US$m. Arrears are balances more than 90 days overdue.

	Q1	Q2	Q3	Q4
Book balance	800	820	850	900
Arrears	8.0	9.0	11.9	13.5

PART 5 · QUESTION 17

From Table 5.

What percentage of the book was in arrears in Q3?

PART 5 · QUESTION 18

From Table 5.

Between which two quarters did the arrears rate rise most?

PART 5 · QUESTION 19

From Table 5.

By what percentage did the book grow from Q1 to Q4?

PART 5 · QUESTION 20

From Table 5.

If the book grows 4% next quarter and the arrears rate stays at its Q4 level, what will arrears be, to the nearest US$0.1m?