Banking Awareness Hub - Complete Guide for IBPS Exams

šŸ¦ Banking Awareness Hub - Complete Guide

šŸ“° Banking Current Affairs

<div class="current-affairs-grid">
  <!-- October 2024 Updates -->
  <div class="affairs-card" data-month="2024-10" data-category="digital-banking">
    <div class="affairs-date">October 28, 2024</div>
    <div class="affairs-category digital-banking">Digital Banking</div>
    <h3>RBI Launches UPI Lite X Feature</h3>
    <p>Reserve Bank of India introduced UPI Lite X, enabling offline transactions up to ā‚¹500 without internet connectivity. This initiative aims to promote digital payments in rural areas.</p>
    <div class="affairs-tags">
      <span class="tag">UPI</span>
      <span class="tag">Digital Payments</span>
      <span class="tag">Rural Banking</span>
    </div>
  </div>

  <div class="affairs-card" data-month="2024-10" data-category="appointments">
    <div class="affairs-date">October 25, 2024</div>
    <div class="affairs-category appointments">Appointments</div>
    <h3>New MD & CEO for Punjab National Bank</h3>
    <p>Government appointed K. S. S. S. R. K. Chaitanya as the Managing Director & CEO of Punjab National Bank for a period of three years.</p>
    <div class="affairs-tags">
      <span class="tag">PNB</span>
      <span class="tag">Appointment</span>
      <span class="tag">PSU Banks</span>
    </div>
  </div>

  <div class="affairs-card" data-month="2024-10" data-category="international">
    <div class="affairs-date">October 22, 2024</div>
    <div class="affairs-category international">International</div>
    <h3>World Bank Approves $500 Million for India's Green Hydrogen Mission</h3>
    <p>World Bank sanctioned $500 million loan to support India's National Green Hydrogen Mission, aiming to develop green hydrogen production capacity.</p>
    <div class="affairs-tags">
      <span class="tag">World Bank</span>
      <span class="tag">Green Energy</span>
      <span class="tag">International Finance</span>
    </div>
  </div>

  <div class="affairs-card" data-month="2024-10" data-category="regulations">
    <div class="affairs-date">October 20, 2024</div>
    <div class="affairs-category regulations">Regulations</div>
    <h3>RBI Increases MSME Loan Limits to ā‚¹10 Crore</h3>
    <p>Reserve Bank of India enhanced the loan limit for Micro, Small and Medium Enterprises (MSMEs) to ā‚¹10 crore from ā‚¹5 crore to boost credit flow to the sector.</p>
    <div class="affairs-tags">
      <span class="tag">MSME</span>
      <span class="tag">Credit Policy</span>
      <span class="tag">RBI</span>
    </div>
  </div>

  <div class="affairs-card" data-month="2024-10" data-category="mergers">
    <div class="affairs-date">October 15, 2024</div>
    <div class="affairs-category mergers">Mergers & Acquisitions</div>
    <h3>IDFC First Bank Capital Raise Approved</h3>
    <p>IDFC First Bank received approval from shareholders to raise ā‚¹5,000 crore through various instruments to strengthen capital adequacy.</p>
    <div class="affairs-tags">
      <span class="tag">IDFC First Bank</span>
      <span class="tag">Capital Raise</span>
      <span class="tag">Private Banking</span>
    </div>
  </div>

  <!-- September 2024 Updates -->
  <div class="affairs-card" data-month="2024-09" data-category="digital-banking">
    <div class="affairs-date">September 28, 2024</div>
    <div class="affairs-category digital-banking">Digital Banking</div>
    <h3>SBI Launches YONO Business Platform</h3>
    <p>State Bank of India introduced YONO Business, a comprehensive digital platform for small and medium enterprises offering integrated banking services.</p>
    <div class="affairs-tags">
      <span class="tag">SBI</span>
      <span class="tag">Digital Banking</span>
      <span class="tag">MSME</span>
    </div>
  </div>

  <div class="affairs-card" data-month="2024-09" data-category="appointments">
    <div class="affairs-date">September 25, 2024</div>
    <div class="affairs-category appointments">Appointments</div>
    <h3>ICICI Bank Gets New Independent Director</h3>
    <p>RBI approved appointment of Radhika Gupta as an independent director on the board of ICICI Bank for a period of three years.</p>
    <div class="affairs-tags">
      <span class="tag">ICICI Bank</span>
      <span class="tag">Board Appointment</span>
      <span class="tag">Private Banking</span>
    </div>
  </div>

  <div class="affairs-card" data-month="2024-09" data-category="international">
    <div class="affairs-date">September 20, 2024</div>
    <div class="affairs-category international">International</div>
    <h3>India and UAE Sign MoU on Financial Services</h3>
    <p>India signed a Memorandum of Understanding with UAE to strengthen cooperation in banking, financial services, and fintech sectors.</p>
    <div class="affairs-tags">
      <span class="tag">International</span>
      <span class="tag">UAE</span>
      <span class="tag">Financial Cooperation</span>
    </div>
  </div>
</div>

<!-- Quick Summary Section -->
<div class="quick-summary">
  <h3>šŸ“‹ Monthly Banking Summary</h3>
  <div class="summary-cards">
    <div class="summary-card">
      <h4>October 2024 Highlights</h4>
      <ul>
        <li>5 major bank appointments</li>
        <li>3 new digital banking initiatives</li>
        <li>2 international banking agreements</li>
        <li>RBI policy changes for MSME sector</li>
      </ul>
    </div>
    <div class="summary-card">
      <h4>Important Dates to Remember</h4>
      <ul>
        <li>October 1: International Day of Older Persons</li>
        <li>October 16: World Food Day</li>
        <li>October 24: World Development Information Day</li>
        <li>October 31: National Unity Day</li>
      </ul>
    </div>
    <div class="summary-card">
      <h4>Banking Sector Performance</h4>
      <ul>
        <li>Gross NPA ratio: 2.78%</li>
        <li>Credit growth: 16.2% YoY</li>
        <li>CASA ratio: 43.5%</li>
        <li>Capital adequacy: 16.2%</li>
      </ul>
    </div>
  </div>
</div>

šŸ“š Important Banking Terms

<div class="terms-categories">
  <div class="category-section">
    <h3>šŸ›ļø Basic Banking Terms</h3>
    <div class="terms-grid">
      <div class="term-card">
        <h4>Account</h4>
        <p>A formal record of financial transactions maintained by banks for customers.</p>
        <div class="term-example">
          <strong>Example:</strong> Savings account, Current account, Fixed deposit account
        </div>
      </div>
      <div class="term-card">
        <h4>ATM (Automated Teller Machine)</h4>
        <p>An electronic banking outlet that allows customers to complete basic transactions without the aid of a branch representative.</p>
        <div class="term-example">
          <strong>Example:</strong> Cash withdrawal, Balance inquiry, Fund transfer
        </div>
      </div>
      <div class="term-card">
        <h4>Balance</h4>
        <p>The amount of money in a financial account at any given time.</p>
        <div class="term-example">
          <strong>Example:</strong> Available balance, Ledger balance, Cleared balance
        </div>
      </div>
      <div class="term-card">
        <h4>Cheque</h4>
        <p>A written order directing a bank to pay a specified amount of money from a person's account.</p>
        <div class="term-example">
          <strong>Types:</strong> Post-dated cheque, Crossed cheque, Self cheque
        </div>
      </div>
      <div class="term-card">
        <h4>Deposit</h4>
        <p>Money placed into a banking institution for safekeeping and potential earning of interest.</p>
        <div class="term-example">
          <strong>Types:</strong> Fixed deposit, Recurring deposit, Demand deposit
        </div>
      </div>
      <div class="term-card">
        <h4>Interest</h4>
        <p>Cost of borrowing money or the reward for saving money, expressed as a percentage of the principal amount.</p>
        <div class="term-example">
          <strong>Types:</strong> Simple interest, Compound interest, Floating interest
        </div>
      </div>
    </div>
  </div>

  <div class="category-section">
    <h3>šŸ’° Credit & Loans</h3>
    <div class="terms-grid">
      <div class="term-card">
        <h4>Credit</h4>
        <p>The ability to borrow money with the understanding that it will be repaid later, often with interest.</p>
        <div class="term-example">
          <strong>Types:</strong> Credit card, Personal loan, Business loan
        </div>
      </div>
      <div class="term-card">
        <h4>Collateral</h4>
        <p>Property or other assets that a borrower offers to a lender to secure a loan.</p>
        <div class="term-example">
          <strong>Examples:</strong> Property, Gold, Fixed deposits, Stocks
        </div>
      </div>
      <div class="term-card">
        <h4>Credit Score</h4>
        <p>A numerical expression representing a person's creditworthiness based on their credit history.</p>
        <div class="term-example">
          <strong>Range:</strong> 300-900 (India), 300-850 (US)
        </div>
      </div>
      <div class="term-card">
        <h4>EMI (Equated Monthly Installment)</h4>
        <p>A fixed payment amount made by a borrower to a lender at a specified date each calendar month.</p>
        <div class="term-example">
          <strong>Formula:</strong> EMI = [P x R x (1+R)^N]/[(1+R)^N-1]
        </div>
      </div>
      <div class="term-card">
        <h4>Mortgage</h4>
        <p>A loan specifically used to purchase real estate, where the property itself serves as collateral.</p>
        <div class="term-example">
          <strong>Types:</strong> Fixed-rate mortgage, Adjustable-rate mortgage
        </div>
      </div>
      <div class="term-card">
        <h4>Guarantor</h4>
        <p>A person who agrees to pay a borrower's debt if the borrower defaults on a loan.</p>
        <div class="term-example">
          <strong>Responsibility:</strong> Legal obligation to repay if borrower defaults
        </div>
      </div>
    </div>
  </div>

  <div class="category-section">
    <h3>šŸ“Š Banking Operations</h3>
    <div class="terms-grid">
      <div class="term-card">
        <h4>NEFT (National Electronic Funds Transfer)</h4>
        <p>Nationwide payment system facilitating one-to-one fund transfers from any bank branch to any other bank branch.</p>
        <div class="term-example">
          <strong>Available:</strong> 24x7, No minimum/maximum limit
        </div>
      </div>
      <div class="term-card">
        <h4>RTGS (Real Time Gross Settlement)</h4>
        <p>Funds transfer system where transfer of money takes place from one bank to another on a real-time basis.</p>
        <div class="term-example">
          <strong>Minimum:</strong> ā‚¹2 lakh, Available 24x7
        </div>
      </div>
      <div class="term-card">
        <h4>IMPS (Immediate Payment Service)</h4>
        <p>An instant interbank electronic fund transfer service available 24x7.</p>
        <div class="term-example">
          <strong>Limit:</strong> ā‚¹5 lakh per transaction
        </div>
      </div>
      <div class="term-card">
        <h4>UPI (Unified Payments Interface)</h4>
        <p>Instant real-time payment system developed by NPCI for inter-bank transactions.</p>
        <div class="term-example">
          <strong>Features:</strong> 24x7, Mobile number as payment address
        </div>
      </div>
      <div class="term-card">
        <h4>NPA (Non-Performing Asset)</h4>
        <p>A loan or advance where interest or principal repayment is overdue for 90 days or more.</p>
        <div class="term-example">
          <strong>Categories:</strong> Sub-standard, Doubtful, Loss assets
        </div>
      </div>
      <div class="term-card">
        <h4>CASA (Current Account Savings Account)</h4>
        <p>The ratio of deposits in current and savings accounts to total deposits.</p>
        <div class="term-example">
          <strong>Importance:</strong> Indicates low-cost fund base for banks
        </div>
      </div>
    </div>
  </div>
</div>

šŸ›ļø RBI & Banking Policies

<div class="rbi-structure">
  <div class="structure-card">
    <h3>Reserve Bank of India Structure</h3>
    <div class="rbi-hierarchy">
      <div class="hierarchy-item governor">
        <div class="position">Governor</div>
        <div class="name">Shaktikanta Das</div>
      </div>
      <div class="hierarchy-item deputy">
        <div class="position">Deputy Governors</div>
        <div class="names">4 Deputy Governors</div>
      </div>
      <div class="hierarchy-item regional">
        <div class="position">Regional Offices</div>
        <div class="names">31 Regional Offices</div>
      </div>
    </div>
  </div>
</div>

<div class="policies-section">
  <div class="policy-category">
    <h3>šŸ“‹ Monetary Policy</h3>
    <div class="policy-items">
      <div class="policy-item">
        <h4>Repo Rate</h4>
        <p><strong>Current Rate:</strong> 6.50%</p>
        <p>Rate at which RBI lends to commercial banks against government securities.</p>
      </div>
      <div class="policy-item">
        <h4>Reverse Repo Rate</h4>
        <p><strong>Current Rate:</strong> 3.35%</p>
        <p>Rate at which RBI borrows money from commercial banks.</p>
      </div>
      <div class="policy-item">
        <h4>Bank Rate</h4>
        <p><strong>Current Rate:</strong> 6.75%</p>
        <p>Rate charged by RBI for lending funds to commercial banks.</p>
      </div>
      <div class="policy-item">
        <h4>CRR (Cash Reserve Ratio)</h4>
        <p><strong>Current Rate:</strong> 4.50%</p>
        <p>Percentage of bank deposits that must be kept with RBI.</p>
      </div>
      <div class="policy-item">
        <h4>SLR (Statutory Liquidity Ratio)</h4>
        <p><strong>Current Rate:</strong> 18.00%</p>
        <p>Percentage of net demand and time liabilities banks must maintain in liquid form.</p>
      </div>
    </div>
  </div>

  <div class="policy-category">
    <h3>šŸ›”ļø Regulatory Policies</h3>
    <div class="policy-items">
      <div class="policy-item">
        <h4>Priority Sector Lending</h4>
        <p>Banks must mandatorily lend 40% of their total advances to priority sectors.</p>
        <p><strong>Sectors:</strong> Agriculture, MSME, Education, Housing, Export Credit</p>
      </div>
      <div class="policy-item">
        <h4>Know Your Customer (KYC)</h4>
        <p>Process where banks obtain information about their customers' identity and address.</p>
        <p><strong>Documents:</strong> Aadhaar, PAN, Voter ID, Passport</p>
      </div>
      <div class="policy-item">
        <h4>Anti-Money Laundering (AML)</h4>
        <p>Set of laws and regulations to prevent generating income through illegal actions.</p>
        <p><strong>PMLA Act, 2002</strong></p>
      </div>
      <div class="policy-item">
        <h4>Banking Ombudsman Scheme</h4>
        <p>Grievance redressal mechanism for bank customers to resolve complaints.</p>
        <p><strong>Timeline:</strong> Resolution within 30 days</p>
      </div>
    </div>
  </div>

  <div class="policy-category">
    <h3>šŸ’± Digital Banking Initiatives</h3>
    <div class="policy-items">
      <div class="policy-item">
        <h4>Digital India</h4>
        <p>Government initiative to transform India into a digitally empowered society.</p>
        <p><strong>Focus:</strong> Digital infrastructure, Digital services, Digital empowerment</p>
      </div>
      <div class="policy-item">
        <h4>Jan Dhan Yojana</h4>
        <p>Financial inclusion program providing access to banking services.</p>
        <p><strong>Achievements:</strong> 50+ crore accounts opened</p>
      </div>
      <div class="policy-item">
        <h4>UPI (Unified Payments Interface)</h4>
        <p>Real-time payment system developed by NPCI.</p>
        <p><strong>Monthly Transactions:</strong> 1100+ crore</p>
      </div>
      <div class="policy-item">
        <h4>Aadhaar Enabled Payment System (AEPS)</h4>
        <p>Banking model that allows basic banking transactions using Aadhaar authentication.</p>
        <p><strong>Services:</strong> Balance inquiry, Cash withdrawal, Fund transfer</p>
      </div>
    </div>
  </div>
</div>

<!-- RBI Timeline -->
<div class="rbi-timeline">
  <h3>šŸ“… Recent RBI Initiatives</h3>
  <div class="timeline-events">
    <div class="timeline-item">
      <div class="timeline-date">2024</div>
      <div class="timeline-content">
        <h4>CBDC (Central Bank Digital Currency)</h4>
        <p>Launch of Digital Rupee (eā‚¹) for wholesale and retail segments.</p>
      </div>
    </div>
    <div class="timeline-item">
      <div class="timeline-date">2023</div>
      <div class="timeline-content">
        <h4>UPI Lite X</h4>
        <p>Introduction of offline UPI payments for enhanced accessibility.</p>
      </div>
    </div>
    <div class="timeline-item">
      <div class="timeline-date">2022</div>
      <div class="timeline-content">
        <h4>Account Aggregator Framework</h4>
        <p>Launch of financial data-sharing platform for customers.</p>
      </div>
    </div>
    <div class="timeline-item">
      <div class="timeline-date">2021</div>
      <div class="timeline-content">
        <h4>Payment Aggregator Guidelines</h4>
        <p>Comprehensive regulations for payment gateway providers.</p>
      </div>
    </div>
  </div>
</div>

šŸ’° Government Financial Schemes

<div class="schemes-grid">
  <div class="scheme-card">
    <div class="scheme-icon">šŸ </div>
    <h3>PM Awas Yojana (PMAY)</h3>
    <div class="scheme-details">
      <p><strong>Objective:</strong> Housing for All by 2022</p>
      <p><strong>Benefits:</strong> Interest subsidy up to 2.67% on home loans</p>
      <p><strong>Eligibility:</strong> EWS/LIG/MIG categories</p>
      <div class="scheme-features">
        <span class="feature">Urban Areas</span>
        <span class="feature">Rural Housing</span>
        <span class="feature">Credit Linked Subsidy</span>
      </div>
    </div>
  </div>

  <div class="scheme-card">
    <div class="scheme-icon">šŸ’³</div>
    <h3>PM Jan Dhan Yojana</h3>
    <div class="scheme-details">
      <p><strong>Objective:</strong> Financial Inclusion</p>
      <p><strong>Benefits:</strong> RuPay debit card, Accident insurance, Overdraft facility</p>
      <p><strong>Account Features:</strong> Zero balance account, Mobile banking</p>
      <div class="scheme-features">
        <span class="feature">50+ Crore Accounts</span>
        <span class="feature">ā‚¹1.73 Lakh Crore Balance</span>
        <span class="feature">Direct Benefit Transfer</span>
      </div>
    </div>
  </div>

  <div class="scheme-card">
    <div class="scheme-icon">šŸ‘©ā€šŸŒ¾</div>
    <h3>PM Kisan Samman Nidhi</h3>
    <div class="scheme-details">
      <p><strong>Objective:</strong> Income support to farmers</p>
      <p><strong>Benefits:</strong> ā‚¹6,000 per year in three installments</p>
      <p><strong>Eligibility:</strong> Small and marginal farmers</p>
      <div class="scheme-features">
        <span class="feature">14 Crore Beneficiaries</span>
        <span class="feature">Direct Bank Transfer</span>
        <span class="feature">Aadhaar Based</span>
      </div>
    </div>
  </div>

  <div class="scheme-card">
    <div class="scheme-icon">šŸŽ“</div>
    <h3>Vidya Lakshmi Portal</h3>
    <div class="scheme-details">
      <p><strong>Objective:</strong> Single window for education loans</p>
      <p><strong>Benefits:</strong> Easy loan application, Multiple banks</p>
      <p><strong>Features:</strong> Interest subsidy, Credit guarantee</p>
      <div class="scheme-features">
        <span class="feature">25+ Banks</span>
        <span class="feature">ā‚¹21,000 Crore Sanctioned</span>
        <span class="feature">3 Lakh+ Applications</span>
      </div>
    </div>
  </div>

  <div class="scheme-card">
    <div class="scheme-icon">šŸ’¼</div>
    <h3>Stand-Up India Scheme</h3>
    <div class="scheme-details">
      <p><strong>Objective:</strong> Entrepreneurship among SC/ST and Women</p>
      <p><strong>Benefits:</strong> Loans from ā‚¹10 lakh to ā‚¹1 crore</p>
      <p><strong>Sectors:</strong> Greenfield enterprises in manufacturing, services</p>
      <div class="scheme-features">
        <span class="feature">75% Credit Guarantee</span>
        <span class="feature">Composite Loan</span>
        <span class="feature">Handholding Support</span>
      </div>
    </div>
  </div>

  <div class="scheme-card">
    <div class="scheme-icon">šŸ­</div>
    <h3>MUDRA Yojana</h3>
    <div class="scheme-details">
      <p><strong>Objective:</strong> Funding micro-enterprises</p>
      <p><strong>Loan Categories:</strong> Shishu (ā‚¹50k), Kishor (ā‚¹5L), Tarun (ā‚¹10L)</p>
      <p><strong>Features:</strong> No collateral, Quick processing</p>
      <div class="scheme-features">
        <span class="feature">ā‚¹15 Lakh Crore Disbursed</span>
        <span class="feature">35+ Crore Loans</span>
        <span class="feature">5.5 Crore Jobs Created</span>
      </div>
    </div>
  </div>

  <div class="scheme-card">
    <div class="scheme-icon">šŸ‘„</div>
    <h3>Atal Pension Yojana</h3>
    <div class="scheme-details">
      <p><strong>Objective:</strong> Universal social security scheme</p>
      <p><strong>Pension Amount:</strong> ā‚¹1,000 to ā‚¹5,000 per month</p>
      <p><strong>Eligibility:</strong> Age 18-40 years with bank account</p>
      <div class="scheme-features">
        <span class="feature">50 Lakh+ Subscribers</span>
        <span class="feature">Government Co-contribution</span>
        <span class="feature">Fixed Returns</span>
      </div>
    </div>
  </div>

  <div class="scheme-card">
    <div class="scheme-icon">šŸ„</div>
    <h3>Pradhan Mantri Jeevan Jyoti Bima Yojana</h3>
    <div class="scheme-details">
      <p><strong>Objective:</strong> Life insurance cover</p>
      <p><strong>Cover:</strong> ā‚¹2 lakh for death due to any reason</p>
      <p><strong>Premium:</strong> ā‚¹330 per annum</p>
      <div class="scheme-features">
        <span class="feature">10 Crore+ Subscribers</span>
        <span class="feature">Auto-debit Facility</span>
        <span class="feature">Annual Renewal</span>
      </div>
    </div>
  </div>
</div>

<!-- Scheme Comparison -->
<div class="scheme-comparison">
  <h3>šŸ“Š Scheme Comparison</h3>
  <div class="comparison-table">
    <table>
      <thead>
        <tr>
          <th>Scheme</th>
          <th>Target Group</th>
          <th>Benefits</th>
          <th>Implementation</th>
        </tr>
      </thead>
      <tbody>
        <tr>
          <td>PMAY</td>
          <td>EWS/LIG/MIG</td>
          <td>Interest subsidy (2.67%)</td>
          <td>Banks & Housing Finance</td>
        </tr>
        <tr>
          <td>PMJDY</td>
          <td>All households</td>
          <td>Bank account, Insurance</td>
          <td>Public Sector Banks</td>
        </tr>
        <tr>
          <td>PMKSY</td>
          <td>Small farmers</td>
          <td>ā‚¹6,000 yearly income</td>
          <td>Direct Bank Transfer</td>
        </tr>
        <tr>
          <td>MUDRA</td>
          <td>Micro enterprises</td>
          <td>Business loans up to ā‚¹10L</td>
          <td>Public/Private Banks</td>
        </tr>
        <tr>
          <td>APY</td>
          <td>Unorganized sector</td>
          <td>Monthly pension ā‚¹1k-5k</td>
          <td>Banks & Post Offices</td>
        </tr>
      </tbody>
    </table>
  </div>
</div>

šŸ“ Practice Questions

<div class="quiz-container" id="quizContainer" style="display: none;">
  <div class="quiz-header">
    <h3 id="quizTitle">Banking Awareness Quiz</h3>
    <div class="quiz-progress">
      <span id="questionNumber">Question 1 of 10</span>
      <div class="progress-bar">
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    </div>
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    <div class="question-text" id="questionText">
      <!-- Question will be loaded here -->
    </div>
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      <!-- Options will be loaded here -->
    </div>
  </div>

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    <button class="control-btn primary" onclick="submitQuiz()" id="submitBtn" style="display: none;">Submit Quiz</button>
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<div class="results-container" id="resultsContainer" style="display: none;">
  <div class="results-header">
    <h3>Quiz Results</h3>
    <div class="score-display">
      <span class="score-number" id="scoreNumber">0</span>
      <span class="score-total">/ 10</span>
    </div>
  </div>

  <div class="results-details">
    <div class="result-metric">
      <span class="metric-label">Correct Answers:</span>
      <span class="metric-value" id="correctAnswers">0</span>
    </div>
    <div class="result-metric">
      <span class="metric-label">Wrong Answers:</span>
      <span class="metric-value" id="wrongAnswers">0</span>
    </div>
    <div class="result-metric">
      <span class="metric-label">Accuracy:</span>
      <span class="metric-value" id="accuracy">0%</span>
    </div>
    <div class="result-metric">
      <span class="metric-label">Time Taken:</span>
      <span class="metric-value" id="timeTaken">0:00</span>
    </div>
  </div>

  <div class="answer-review">
    <h4>Answer Review</h4>
    <div id="answerReviewContainer">
      <!-- Answers will be reviewed here -->
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    <button class="action-btn" onclick="reviewWrongAnswers()">Review Wrong Answers</button>
    <button class="action-btn primary" onclick="retakeQuiz()">Retake Quiz</button>
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</div>

<!-- Quick Facts -->
<div class="quick-facts">
  <h3>šŸ§  Quick Banking Facts</h3>
  <div class="facts-grid">
    <div class="fact-card">
      <h4>Did You Know?</h4>
      <p>The first bank in India was established in 1770 - Bank of Hindostan.</p>
    </div>
    <div class="fact-card">
      <h4>Important Dates</h4>
      <p>RBI was established on April 1, 1935 and nationalized in 1949.</p>
    </div>
    <div class="fact-card">
      <h4>Banking Milestone</h4>
      <p>UPI recorded 1,100+ crore transactions in October 2024.</p>
    </div>
    <div class="fact-card">
      <h4>Financial Inclusion</h4>
      <p>India has over 50 crore Jan Dhan accounts with ā‚¹1.73 lakh crore balance.</p>
    </div>
  </div>
</div>
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