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Continuing with GKP's mission to provide students with quality preparation material for recruitment tests conducted by different Banking recruitment bodies, we have come up with the guide for Phase- I & II Exam for the position of Probationary Officer and Phase-I for Associate. This book is a complete guide to the exam and it also comprises of practice papers for the better preparation of the aspirant. Each question in every practice set is supported with detailed answers for better understanding of concepts. The book will help students to better understand the concepts, exam pattern and weightage of questions asked in the J&K Bank exam for Probationary Officer and Associate. Features complete guide for Phase-I & II Exam practice paper for self-assessment answer key and explanations provided.