MAINS PATTERN (IBPS PO):
  Reasoning and Computer Aptitude: 45 questions, 60 marks, 60 min
  English Language: 35 questions, 40 marks, 40 min
  Data Analysis and Interpretation: 35 questions, 60 marks, 45 min
  General Economy and Banking Awareness: 40 questions, 40 marks, 35 min
  Total: 155 questions, 200 marks, 3 hours

MAINS vs PRELIMS DIFFERENCE:
  Prelims: simple individual questions
  Mains: complex sets (DI sets, complex puzzles, new pattern English)
  Computer knowledge: added in Mains (20 marks in reasoning section)
  Banking awareness: tested only in Mains (not Prelims)

STRUCTURE OF BANKING:
  Central bank: Reserve Bank of India (established 1935)
  Public sector banks: SBI + 11 nationalised banks (nationalised 1969, 1980)
  Private sector banks: HDFC, ICICI, Axis, Kotak, IndusInd, Yes Bank
  Regional Rural Banks (RRBs): sponsored by public sector banks, serve rural areas
  Small Finance Banks: serve unbanked sections (AU, Equitas, Ujjivan)
  Payments Banks: limited banking services (Airtel, Paytm, Post Office)
  Cooperative banks: NABARD refinancing, primarily agricultural

KEY BANKING CONCEPTS:
  KYC (Know Your Customer): identity verification — PAN, Aadhaar, passport
  AML (Anti-Money Laundering): PMLA 2002, STR reporting to FIU
  NEFT: batch settlement (half-hourly), no transaction limit
  RTGS: real-time, minimum Rs.2 lakh, for large transactions
  IMPS: instant, 24x7, up to Rs.5 lakh per transaction
  UPI: real-time, linked to bank account, PhonePe/GooglePay/BHIM
  NACH: automated clearing for ECS — salary, EMI, dividends

PRIORITY SECTOR LENDING:
  Banks must lend 40% to priority sector
  Components: agriculture (18%), MSME, education, housing, export
  PSL certificates: traded if targets not met directly
  
RECENT POLICY CHANGES (check latest before exam):
  Repo rate and CRR — changes frequently, always verify current figures
  New banks licensed: track RBI announcements
  Digital payments: RBI guidelines on payment aggregators

HARDWARE:
  Input: keyboard, mouse, scanner, microphone, webcam
  Output: monitor, printer, speaker, projector
  Processing: CPU (control unit + ALU + registers)
  Storage: RAM (volatile) | ROM (non-volatile) | HDD/SSD (secondary)

SOFTWARE:
  System software: OS (Windows, Linux, macOS), device drivers
  Application software: MS Office, browsers, email clients
  Utility software: antivirus, backup, compression (WinZip)

NETWORKING:
  LAN: office/building | WAN: across cities | MAN: city-wide | PAN: personal
  Internet: global WAN | Intranet: private org network | Extranet: selected external
  IP address: IPv4 (32-bit) | IPv6 (128-bit)
  Protocols: HTTP (web) | FTP (file) | SMTP (email) | TCP/IP

MS OFFICE:
  Word: document creation, formatting, mail merge, table of contents
  Excel: formulas (SUM, AVERAGE, VLOOKUP, IF), charts, pivot tables
  PowerPoint: slides, animations, slide transitions
  Shortcut: Ctrl+C (copy) | Ctrl+V (paste) | Ctrl+Z (undo) | Ctrl+S (save)