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SBI PO Prelims time management tips

The State bank of India conducts the SBI PO examination for the recruitment of Probationary Officers. It is one of the most sought after banking jobs in India and with the lakhs of aspirants applying for this examination every year; it is definitely a tough nut to crack. The candidates must thus be fully prepared to tackle this level of competition. Time plays a crucial role in our lives and this examination is no exception to this fact.

The SBI PO Examination is just round the corner and time management is the best weapon that you can use in the arena of this entrance examination. Time is a limited resource and we need to make the best use of it. Time management implies management of an individual’s time effectively so that right amount of time is allocated to the right activity and no time is wasted in futile activities. It can be achieved by allotting time slots to various activities according to their importance.

Time management is the key to succeed in any competitive examination. Utilization of the time in hand is the most essential aspect of preparation. If you manage time effectively, you can devote enough time to all the sections and practice well. Especially in the case of SBI PO Prelims Examination, wherein you have to solve a 100 mark question paper within 60 minutes; time management is the best skill that you can acquire. This article will provide the candidates appearing for this examination with SBI PO Prelims time management tips.

The SBI PO examination is being conducted in three phases:

  • Phase 1 : Preliminary Exam
  • Phase 2 : Mains Exam
  • Phase 3 : GD and interview

The Preliminary Examination is approaching and the candidates must have practiced enough. All that is required now is brushing up of concepts and time management skills. Read this article to gather time utilization tips and tricks so as to increase your chances of cracking this entrance test.

Examination Pattern

The Preliminary Examination consists of three sections including English Language, Quantitative Aptitude, and Reasoning Ability with a total of 100 marks. The duration of examination is 1 hour (60 minutes). The detailed pattern is shown as follows:

Section

No. of questions

Maximum Marks

Time duration

English Language

30

30

1 hour

Quantitative Aptitude

35

35

Reasoning Ability

35

35

Total

100

100

Time management tips

The candidates need to qualify all three sections in the preliminary examination to be able to move to the next level. It is thus essential to have a good strategy for attempting the paper. The candidates are advised to start with the section they are most confident about. Start with the English Section if you are confident of your English Language Skills or start with reasoning if you think you can score well in it. When you begin with the questions you are confident of solving correctly, it boosts your confidence further and gives you a good start. Solve the toughest section at the last. Banking entrances are all about speed and accuracy and with efficient time utilization; you can attempt maximum number of questions correctly.

Time management is not only essential during the exam but also while preparing for it. Devoting essential time to your weak areas and regular and sincere practice helps you prepare efficiently. It is also essential to keep in touch with all topics and revise them daily. All this can be achieved only by proper division of time. Some important points to be kept in mind while dividing your time for preparation are as follows:

  • The Reasoning section requires a lot of practice and with enough practice; one can score well in this section.
  • Grammar cannot be learnt in one day. You need to revise and practice daily to tackle questions related to Grammar in the English language section.
  • Vocabulary can be improved by making a list of the frequently used words and phrases.
  • Do not waste time deriving formulae in the exam hall. Instead, memorize them beforehand.

The details of tackling each section effectively are as follows:

English Language

Suggested time to be spent on this section: 15 minutes

This section will test the basic understanding and language skills of the candidate. Questions will be asked from Vocabulary, Synonyms, Antonyms, Idioms and phrases, Word formation, Sentence Completion, Error Detection, Passage completion, Passage Correction, Comprehension, Deriving Conclusions, Sentence correction, Identification of errors, Fill in the blanks, jumbled Sentences, Faulty sentence construction, Reading Comprehension etc.

The candidates who are comfortable with the English language can begin with this section since it is comparatively simpler than the others.

Logical Reasoning

Suggested time be spent on this section: 20 minutes

In this section, Verbal Reasoning and Non Verbal Reasoning type of questions will be asked. The important topics are: Syllogism, Analogies (Meaning Based & Logical), Critical Reasoning, Directions & Arrangements, Sequential Output Tracing, Visual Reasoning, Coding and Decoding, Blood Relations, Sitting Arrangements, Series Completion, Decision Making, Statement Reasoning, classification etc.

This section can be tackled easily if you have practiced enough. Start with the simpler questions to get a head start in this section and to be able to attempt the maximum number of questions.

Quantitative Aptitude

Suggested time to be spent on this section: 25 minutes

Important Tips

This paper is worth 100 marks but the time duration is only 1 hour. So, you have 0.6 minutes, i.e. 36 seconds to solve each question. Keep in mind the following points while preparing you strategy for this examination:

  • Since the question to time ratio is less than 1, it becomes essential to solve the questions that you are comfortable with first. Don’t waste time sticking on a question which is lengthy, and skip all the time consuming questions. Leave all such difficult questions for the last.

  • Divide your time according to your capability. If you are good in any section, say English, then, try to complete it faster, taking less time. Devote this extra time to your weaker sections. Also, keep in mind the time that you are devoting to each question. If any question is exceeding your planned time per question, leave it and move ahead.

  • Remember that there are sectional cut offs for each section as well. So, attempt sufficient number of questions in each section to increase your chances of succeeding in this examination.

  • Do not experiment in the exam hall. It is better to know your strengths and weaknesses beforehand so that you can identify the questions you can solve comfortably.

  • Do not try to be adventurous and take pride in solving the difficult questions. All kinds of questions, be it difficult or easy will fetch you the same marks. So, it is wise to invest your time in simpler questions to increase your attempts and thereby your total score.

  • Reasoning and Quantitative Aptitude questions can be time consuming. It is thus essential to identify the easier questions and comprehension questions without many calculations and attempt them first.

  • Attempt as many questions as you can since, more the number of questions you attempt, more are the chances of a higher score in the examination.

  • Reach you examination centre within due time to avoid any hassles. It is advised to reach the centre at least one hour prior to the exam timings.

  • The prelims exam is only of 60 minutes. Do not get distracted within this period. Do not lose hope if you are not able to solve some questions. Stay positive and keep your cool throughout the examination.

Time management is the best technique that you can learn before the examination which will enhance your chances of success. It alleviates last minute stresses and makes you more confident. Along with efficient time management and the right problem solving approach, you are sure to go a long way.

Use the tips listed in this article to your advantage and increase your chances of clearing the SBI PO Prelims Examination with flying colours.

All the best!

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SBI Clerk Mains Exam Analysis and Expected Cut off

With the SBI prelims results already out, congratulations to all the aspirants who have qualified for the mains exams. With the exam dates nearing, even the minute guidance can make wonders during the exams. The marks secured in the  SBI Clerk Mains Examination is going to  play the major role whereas the Final Merit List as obtained from the Prelims Examination was only a qualifying round. .

 The SBI Clerk Mains Exam expected cutoff will be however based the following trends:

  1. The cut off trend for previous year
  2. Any related change in the pattern of exam
  3. The competition level in the SBI Clerk Main exam

As per the previous exams for JA/JAA and some other related exams, presented below is the expected cut off and the related exam analysis section wise during series of years.

Cutoff-2012

State

General

OBC

SC

ST

Andhra Pradesh/ Telangana

148

143

131

113

Kerala

124

124

110

91

Madhya Pradesh

147

139

131

105

Bihar

155

146

126

106

Delhi/Haryana

153

136

129

138

Rajasthan

155

140

123

108

Tamil Nadu

119

119

119

105

Gujarat

137

134

131

87

Karnataka

98

98

89

77

Maharashtra

132

111

120

70

Odisha

151

148

125

103

Uttar Pradesh

155

146

122

107

Uttarakhand

150

142

101

97

*Note: No exams were conducted during 2013 & 2015

Category Wise- Cutoff 2014 

  • General: 140
  • OBC: 138
  • SC: 123
  • ST: 108

Changes in Exam Pattern

For the first time a 3 Step Recruitment process will be conducted in 2016, whereas initially it was conducted for 100 Marks and a little different from the previous ones . Here are some of the major modifications:

  1. Time bound section appearance
  2. Default section appearance pattern to be  followed as per the server

SBI Clerk Mains Exam-2016 Expected Cutoff

As per previous factor’s analysis mentioned here are the probable Section-Wise cutoff-2016:-

Section

 Questions

Marks

Expected Cutoff

General/ Financial Awareness

50

50

19-21

General English

40

40

15-17

Quantitative Aptitude

50

50

17-19

Reasoning/ Computer Aptitude

50

60

24-26

Total

190

200

142-149

Category wise Cutoff-2016:

General

OBC

SC

ST

Marks 

142-149

132-137

127-132

120-127

It must be kept in mind that these are probable scores as per trends and not the official ones.

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SBI Clerk 2016: Last date to download Main Exam call Letter June 26

State Bank of India has declared result for the SBI Clerk preliminary Exam 2016 and those who have qualified this examination are called for the SBI Clerk Main examination. The SBI Clerk main examination is scheduled to be held on June 25 and June 26.

SBI has released the main examination admit card/call letter of junior associates (customer support and sales) and junior agricultural associates exam. If you are among the lucky ones who have qualified the SBI Clerk Preliminary exam, then it is mandatory to download your admit card for the SBI Clerk Main Exam 2016.

Here is the table showing important dates that you must keep in mind about SBI Clerk 2016 Main Exam call Letter/admit card.

Commencement of Call letter

17th June, 2016

Closure of Call letter

26th June, 2016

How to download SBI Clerk Main Exam call Letter June 26?

This article helps you download your call letter/admit card for the SBI main Exam 2016 through simple steps mentioned below:

  • Visit the official website of SBI or follow the link given in this article from the organisation’s website to download your call letter.

  • On the Left hand side of this page, you will see login credential section and here you are supposed to enter the REGISTRATION NO. & PASSWORD

Or,

Enter the REGISTRATION NO. & PASSWORD

Or,

ROLL NO. & PASSWORD

Or,

REGISTRATION NO. & DATE OF BIRTH

Or,

ROLL NO. & DATE OF BIRTH at the required places.

  • You can retrieve your admit card; download it and take its print out.

Things that must be taken care while downloading SBI Clerk Main Exam call Letter

  • SBI Clerk Main Exam Call Letter will be available online from the above mentioned date. That is why it is necessary to download your call letter before the closure date. If you will try to get call letter after 26th June, 2016, it shall not be available for the download.

  • Keep all the details ready before hand and enter correct credentials to download SBI Clerk main Exam call letter immediately.

Link to download admit card: http://ibps.sifyitest.com/sbijacmar16/cloea_jun16/login.php?appid=b384efc399fb9ef7cb07db6b220de92b

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Interim order issued by Madras High Court on SBI clerk prelims 2016 exam

With the announcement of the SBI Clerks Prelims 2016 exam result, the candidates who have received their call letters are still under the influence of confusion. Considering the PIL filed by one of the aspirants in Madras High Court, fate of one of the biggest recruitment drives in the banking sector has been left undecided. However, the students need not worry, at least for now.

Good news for the selected candidates

Even though the final verdict by the Madras High Court on SBI clerk prelims 2016 exam is yet to be announced, but the court has given some relief to the candidates. The court recently said that SBI can, as of now, go ahead with its SBI clerk selection procedure 2016, but also cautioned the bank to consider its final judgement.

The Madras High Court said that the final order by the court still had the capacity to impact the SBI clerk 2016 recruitment for 17000 junior agricultural associates and junior associates.

A short background of the case

Among various eligibility criteria, SBI also mentioned that the candidates who were educational loan defaulters were not eligible to appear for this exam. This left thousands of educational loan defaulters barred from applying/ appearing for the exam.

One of the aspirants for SBI Clerk 2016 exam, in turn, filed a PIL in the Madras High Court against SBI.

The court, after this, also ordered the bank for explanation on the matter. Final verdict of the court is still pending. But, the short shower of relief has been given by the court on the examination.

It is vital to note here that the interim order issued by Madras High Court on SBI clerk prelims 2016 exam will bring about a few positive notions among the candidates. But, it is still too early to say what the Madras High Court shall decide on SBI clerk prelims 2016 exam.

As of now, the candidates who have been selected for the SBI clerk 2016 should download their call letters and prepare for the SBI Clerk Mains exam 2016

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SBI PO Prelims 2016 Admit Card Out Available for Download

SBI will be conducting recruitment for the post of Probationary Officers in the month of July 2016. The exam will be conducted in three stages namely – Prelims, Mains and the Final GD/PI.

As notified by the bank earlier, the admit cards for the eligible candidates are now available on the official website of SBI. The release date of Prelims Admit Card was 14th June 2016.  The prelims exam is scheduled to be help in a span of two consecutive weekends in the month of July.

The Admit card is a must in order to appear the exam. So, each candidate is expected to download

the admit card at the earliest and verify if the information is correct.

The prelims exam will be of 1 hour duration and it will consist of following sections:

  1. English Language
  2. Quantitative Aptitude
  3. Reasoning Ability

Important highlights for the Exam pattern followed in the preliminary exam are as follows:

  • The Preliminary examination is an objective type examination where the candidates need to select one correct option out of given four options.
  • The total mark of the exam is 100.
  • For every correct response provided, the candidates would be awarded 1 mark and for every wrong response ¼ mark will be deducted.
  • There will not be any deduction for no response.
  • The test would be conducted online.
  • The total time allotted is 60 minutes or 1 hour.
  • The candidates should note that there are three sections in the Preliminary examination which have sectional cutoffs which the candidates need to clear.

SBI Admit Card 2016 – Probationary Officer Preliminary Online Exam Call letter : You can download the admit card at below link:

Click Here to Download Admit Card

SBI Admit Card 2016 – Probationary Officer Pre – Exam Training Call letter: Those who have applied for the pre - exam training can avail pre-exam admit card here:

Click Here to Download Admit Card

SBI PO Exam 2016 Some dates to remember:

  • SBI PO 2016 Pre Online Examination: 2nd, 3rd, 9th & 10 July 2016
  • SBI PO 2016 Pre online exam Result:18th July 2016
  • SBI PO 2016 Main Online Examination Date 31st July 2016
  • SBI PO Result 2016 – Release Date:16th August 2016
  • SBI PO 2016 Call Letter Release Date for Interview:22nd August 2016
  • SBI PO 2016 GD & PI Date:1st September 2016
  • SBI PO 2016 Final Result: 30th September 2016

Pre-Exam Training for ST/SC/Religious Minority Community Candidate

  • Call Letters for Pre-Exam Training release Date: 13th June 2016
  • Pre-Exam Training conduction: 20th June 2016 to 26th June 2016

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SBI PO Prelims 2016: Download Admit cards from June 14

Now days, Candidates are excited and nervous for the upcoming SBI PO Prelims 2016 Exam. This is the perfect time to keep everything in check right from your confidence level to the PO Exam admit card.

Important SBI PO Exam Events and Dates

Here is the table showing important SBI PO Exam dates and events that you must be aware of.

Events

Dates

Download of the SBI PO Prelims Admit Card/Hall Tickets

16th June, 2016 onwards

SBI PO Preliminary Exam

2nd July, 3rd July, 9th July and 10th July 2016  

It is very crucial to qualify in SBI PO prelims 2016 exam so that you are called for the SBI Main exam 2016. But before you write SBI PO prelims 2016 Exam, the most important thing is the PO prelims admit card.

Click here for SBI PO 2016 Prelims Exam Admit Card

Details that you must always check on a SBI PO preliminary Exam admit card

The details which will be mentioned on the SBI PO Prelims 2016 Exam Admit card are:

  • Candidate’s Name
  • Candidate’s Registration Number (This must be same that you have received after registration/form fill-up time)
  • Exam Date and Slot (Exam Timings)
  • Exam Centre along with its complete address (This is where you are supposed to report to give exam; this is allotted as per your preference)
  • Candidate’s Date of Birth
  • Candidate’s Picture

Important Pointers about SBI PO prelims admit card 2016

Do not forget to take printout of your SBI PO preliminary Exam 2016 admit card as without it you are not allowed to sit in the examination center.

Do not forget to carry your original ID card f and its photocopy as a proof. Valid ID proof can be your Voter ID card, PAN card, Adhaar Card, Driving License, and Passport.

Keep your stationary like black/blue pen, pencil, eraser etc that is specifically mentioned in the instructions of the SBI PO prelims Exam 2016 admit card.

Aspirants can download Admit cards from June 14 for the SBI PO Prelims 2016 from SBI’s official website or through our websites and articles.

Here is the link to the SBI’s website: http://ibps.sifyitest.com/sbipomay16/

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Most Useful Tips to Crack SBI Clerk Exam

Candidates are all set to go for SBI Clerk Exam 2016 these days. SBI Preliminary Exam 2016 is being conducted online from 22nd May, 2016 till 6th June, 2016. Aspiring students need to qualify this level so that they are called for the SBI Main 2016 Exam that will be conducted online on 30th June, 2016 at various centers.

Here are the most important Tips to crack SBI Clerk Exam 2016

SBI Clerk Exam Sections based tips

  • SBI Clerk Exam 2016 English section tests your English skills and grammar. You must practice comprehensions and unseen passages through free online mock tests for SBI Clerk and sample papers for SBI Clerk Exam 2016. You must work on your vocabulary and writing skills as well.

  • SBI Clerk Exam 2016 reasoning section demands a lot of tricks and shortcuts so that you hit questions correctly in the first time. Learn all the best methods, techniques and concepts to save your time.

  • SBI Clerk Exam 2016 numerical ability section tests all the basic mathematical concepts. You must grab mathematical books from 8th to 10th and start practicing topics consistently.

  • SBI Clerk Exam 2016 GK section need you to be well aware of all the current and important scenarios going nationally and internationally. You must keep your knowledge base updated with the banking domain as well.

  • SBI Clerk Exam 2016 Computer awareness section is all about basic knowledge of computers. Learn basic concepts and commonly asked definitions.

  • SBI interview round checks your confidence, personality and skills. It is necessary to stay prepared and keep calm throughout it.

It is very important to revise your SBI Clerk Exam strategy and time management plan that you will follow at each and every level of this exam.

In short, make sure that the following tips and strategies are followed to crack SBI Clerk 2016 exam in one go:

  • Sharpen yourself in Data Interpretation & Data Analysis.

  • Have a good and fast Calculation Speed.

  • Make sure that your reading English capability is well polished. This is required for finding the grammatical mistakes and completing Para jumbles, vocabulary, fill in the blanks and comprehension section.

  • For reasoning section, move ahead with utmost confidence. For this purpose, you’ll have to polish Data Sufficiency, Logical Reasoning and Syllogism.

  • GK & Current Affairs is the huge and endless section. Have the nose and eyes for important events around you. Make sure you are sticking to good websites that has the important exam point of view GK & Current affairs update daily.

Good luck to all SBI CLERK 2016 Exam aspirants !!!

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QUICK PREPARATION TIPS FOR IBPS CLERK 2016

Keep calm and sail through, if you wish to qualify the IBPS Clerk 2016 exam. If you have been preparing for your exam with all honestly and religiously, but are nervous at the final show time, this article will surely help you get over your exam fever. These are your quick preparation tips for IBPS Clerk 2016. By now, you would have prepared more or less the entire syllabus. It would just be a little here and a little there scenario now, right? Have a look at these quick preparation tips for your exam and get filled with confidence.

Time Management: Which section to appear first?

Attempt the sections which are your strong point. Leave the time taking sections for later stage. But, make sure that you decide about it before starting the exam.

There are a total of 50 questions carrying one mark each in every section. Target not more than 30-40 minutes for your strong section. You can be even faster than this. This will give you more time in your weaker sections.

Accuracy: How to avoid negative marking in IBPS Clerk 2016 exam?

Accuracy is all that matters for qualifying IBPS Clerk 2016 exam. You all know that there is a negative marking scheme of 0.25 marks for every wrong answer. The best thing in such a scenario is, when in doubt, leave. Remember, correct answers value more. If you can correctly answer 20-25 questions in General Awareness section, you can also get some grace marks. So, make sure that you first complete the questions which you are 100% sure. Then go to second-most confident questions.

Focusing on the main topics for the last minute IBPS Clerk 2016 exam

Look at these topics, which should be your focus areas in the last minute preparation-

  • Reasoning- Seating arrangements, Placements and puzzles, syllogisms and deductive reasoning

  • Quantitative- Squares & square roots, cubes & cube roots, ratio-proportion, profit and loss, Compound Interest & Simple Interest

  • Computers- Just go through your notes and important points

  • General Awareness- Remain banking-centric and have an eye for important policies and programmes

  • English- Grammar, Basic language and Comprehension

Overall, all you need to do is relax, after you have prepared well. Just be confident to qualify IBPS Clerk 2016 exam

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Preparation strategy for SBI clerk mains 2016 exam

The State Bank of India conducts the SBI clerk examination every year for recruitment in the clerical division. It is a very prestigious examination for those aiming to enter the banking sector. With thousands of aspirants appearing every year, it is necessary to be well prepared for this examination. This article will provide the candidates appearing this year with the necessary information regarding the Preparation strategy for SBI clerk mains 2016 exam.

Examination Pattern

The candidates who have qualified the preliminary examination will have to appear for the Online Mains examination. The performance in this main examination will decide the final list of candidates eligible for the interview round. The mains exam has 4 sections as follows:

Section

Total Marks

Total questions

English Language

40

40

Quantitative Aptitude

50

50

Financial or General Awareness

50

50

Reasoning and Computer Aptitude

50

60

Total

190

200

Preparation strategy

With the date of examination nearing, it is essential for the candidates to be fully prepared. Time management is a skill which will help you in attempting maximum questions in due time. Also, practicing mock sample test papers make you aware of the examination pattern and enhance your accuracy and efficiency. The tips for preparation of the individual sections are as follows:

  • English Language: Read newspapers like The Hindu, Economic Times and editorial columns in newspapers to enhance your command over the English language. Error spotting, Sentence Rearrangement, Fill in the Blanks, Sentence Correction and Comprehension are some important topics in this section.
  • Quantitative Aptitude: This is a scoring section, provided you have practiced adequately. Focus on topics like Decimal and Fractions, Profit and Loss, Frequency Polygon, Number series, Simple and Compound Interest, Time and Distance, Averages, Bar-diagram etc.
  • Financial or General Awareness: This section mainly includes questions on the current affairs. Candidates are advised to read newspapers and general knowledge magazines regularly to score well in this section.
  • Reasoning: This is the most scoring section and practice is the key to handle this section effectively. Venn diagrams, Coding and Decoding, Seating arrangement, puzzles and Statement and Conclusion type of questions are the most important topics for this section.

Little time is left for the examination and the candidates must devote this crucial time to practice as much as possible. Stay calm and take good care of your health.

All the best!

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IBPS CLERK 2016 Selection Procedure

IBPS Clerk is one of the most awaited examinations of 2016. It offers recruitment for the Clerical post in different participating banks. IBPS CLERK 2016 Selection Procedure is the detailed process through which, final recruitment of the qualified candidates is done. The selection takes place through multiple stages and a candidate should qualify each stage for getting a job in one of the participating banks.

There are three main stages for IBPS CLERK 2016 Selection Procedure, which are- Preliminary exam, Main exam or common written examination (CWE- used for both Prelim & Main), followed by interview round and document verification.

Check out all the updates of IBPS Clerk Selection Procedure 2016 on this page.

Stage I- IBPS Clerk Selection Procedure 2016 – Clear Preliminary Examination

The candidates need to clear the prelim exam, first of all. This is your first hurdle in the process of making it to the clerical division of a participating bank. The exam pattern is-

  • 100 questions= 100 marks

  • Time Duration= 01 hour

Stage II- IBPS Clerk Selection Procedure 2016 – Clear Main Examination

After a candidate has cleared the prelim exam, the next stage involves Main exam. This is a bit tedious stage. That is why; the aspirants should have a complete preparation for this. The exam pattern is-

  • 200 questions= 200 marks

  • 5 sections= Reasoning, English Language, Numerical Ability, General Awareness and Computer Knowledge

  • Each section= 40 questions of 1 marks each

  • Negative marking for every wrong answer= 0.25 marks

  • Time Duration= 02 hours

Stage III- IBPS Clerk Selection Procedure 2016 – Final Interview Round and Document Verification

  • The successful candidates shall be called for interview round.

  • Screening will be done for responsiveness in given circumstances and vocal skills.

Documents required for verification include-

  • Printout of Valid Calls Letter

  • Valid Online Application form

  • Date of Birth Proof

  • Photo Identity Proof

  • Graduation Mark sheet

  • If applied for reservation Caste Certificate

  • Medical Certificate for Physically Disability candidates

  • Experience Certificates

  • NOC from department (applicable for those candidates who are pursuing any Government Jobs / Public Sector Undertaking job)

Preparation of the merit list and call for provisional Allotment Process

After this, the merit list is prepared and released by IBPS. This IBPS Clerk Exam Merit List 2016 list is prepared on the basis of performance of candidates in Written Main examination and interview round. The shortlisted IBPS Clerk exam 2016 candidates, on the basis of merit list shall be then, called for provisional Allotment Process.

Check the Full Notification of IBPS Clerk Exam 2016 by checking the IBPS Official website www.ibps.in or by going through our website.

How to get PO jobs in Banks

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