{"id":89606,"date":"2024-05-02T16:10:09","date_gmt":"2024-05-02T10:40:09","guid":{"rendered":"https:\/\/www.practicemock.com\/blog\/?p=89606"},"modified":"2024-05-06T10:29:25","modified_gmt":"2024-05-06T04:59:25","slug":"sbi-apprentice","status":"publish","type":"post","link":"https:\/\/www.practicemock.com\/blog\/sbi-apprentice\/","title":{"rendered":"SBI Apprentice Recruitment 2024 Notification, Check All Details"},"content":{"rendered":"\n<p><\/p>\n\n\n<div class=\"yoast-breadcrumbs\"><span><span><a href=\"https:\/\/www.practicemock.com\/blog\/\">Home<\/a><\/span> \u00bb <span><a href=\"https:\/\/www.practicemock.com\/blog\/category\/sbi-apprentice\/\">SBI Apprentice<\/a><\/span> \u00bb <span class=\"breadcrumb_last\" aria-current=\"page\">SBI Apprentice Recruitment 2024 Notification<\/span><\/span><\/div>\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">SBI Apprentice Recruitment 2024 Notification<\/h2>\n\n\n\n<p><strong>SBI Apprentice Recruitment 2024 Notification: <\/strong>The State Bank of India will release the SBI Apprentice Notification 2024 on its Official Website along with many important information. The SBI apprentice selection process includes an online written exam and the local language. Those who successfully clear these stages will be selected for each year&#8217;s apprenticeship program. In this blog, we are providing all the important information about the SBI Apprentice 2024 recruitment interested check all the information and start a career in the banking sector.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">SBI Apprentice Recruitment 2024 Notification Overview<\/h2>\n\n\n\n<p>The SBI Apprentice 2024 Notification will released along with a lot of information. In the following table, we are providing all information about SBI Apprentice recruitment:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td colspan=\"2\"><strong>SBI Apprentice Recruitment 2024 Overview&nbsp;<\/strong><\/td><\/tr><tr><td><strong>Particulars<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Exam Conducting Body&nbsp;<\/td><td>State Bank Of India<\/td><\/tr><tr><td>Post Name&nbsp;<\/td><td>SBI Apprentice<\/td><\/tr><tr><td>Exam Name&nbsp;<\/td><td>SBI Apprentice 2024<\/td><\/tr><tr><td>Vacancy<\/td><td>TBA<\/td><\/tr><tr><td>Mode of Application<\/td><td>Online<\/td><\/tr><tr><td>Mode of Exam<\/td><td>Online<\/td><\/tr><tr><td>Selection Process<\/td><td>Written Test and Test of Local Language<\/td><\/tr><tr><td>Official Website<\/td><td>sbi.co.in<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.practicemock.com\/sbi-apprentice-test-series\/?ref=11051\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Take a Free Mock Test &amp; and practice as if you&#8217;re taking the real exam<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">SBI Apprentice Recruitment 2024 Important Date<\/h2>\n\n\n\n<p>The SBI Apprentice Recruitment 2024 Important Dates will be released by the State Bank Of India along with the official notification. Candidates check SBI Apprentice 2024 all important events in the table below:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td colspan=\"2\"><strong>SBI Apprentice Recruitment 2024 Important Date<\/strong><\/td><\/tr><tr><td><strong>Event<\/strong><\/td><td><strong>Dates<\/strong><\/td><\/tr><tr><td>SBI Apprentice Recruitment 2024<\/td><td>To be Notified<\/td><\/tr><tr><td>SBI Apprentice Recruitment 2024 Apply Online&nbsp;<\/td><td>To be Notified<\/td><\/tr><tr><td>Last Date To Apply Online<\/td><td>To be Notified<\/td><\/tr><tr><td>SBI Apprentice 2024 Exam Date<\/td><td>To be Notified<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">SBI Apprentice Recruitment 2024 Notification PDF<\/h2>\n\n\n\n<p>The SBI Apprentice recruitment 2024 notification will released by the SBI official website sbi.co.in. At this time the State Bank of India has not released the SBI Apprentice 2024 recruitment notification once the State Bank of India has released the SBI Apprentice 2024 notification we will provide an official PDF in this section. Candidates bookmark our blog to know the latest information about the SBI Apprentice 2024 exam.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">SBI Apprentice 2024 vacancy<\/h2>\n\n\n\n<p>The State Bank Of India will release the SBI Apprentice 2024 vacancies for recruitment along with the SBI Apprentice 2024 notification. At this time SBI apprentice 2024 vacancy is not released yet. Here we are providing the previous year vacancy so that candidates can get an idea of the upcoming&nbsp; SBI Apprentice 2024 vacancies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">SBI Apprentice 2024 Eligibility Criteria<\/h2>\n\n\n\n<p>The State Bank of India set eligibility criteria to apply for the SBI Apprentice 2024 exam. candidates need to fill out the eligibility criteria before applying for the SBI Apprentice 2024 exam. here we are providing the Age Limit, and Education Qualification for the SBI Apprentice 2024 recruitment. Interested candidates check the eligibility criteria and apply for the SBI Apprentice 2024 exam.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">SBI Apprentice 2024 Age Limit&nbsp;<\/h2>\n\n\n\n<p>The SBI Apprentice 2024 Minimum age limit of 20 years and maximum 28 years as of 01.08.2023 i.e. candidates must have been born not earlier than 02.08.1995 and not later than 01.08.2003 (both days inclusive). The maximum age indicated is for unreserved and EWS candidates. Relaxation in the upper age limit is applicable as per Government of India guidelines for SC\/ST\/OBC\/PwBD candidates.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Serial No.<\/td><td>Category<\/td><td>Relaxation<\/td><\/tr><tr><td>1<\/td><td>SC \/ ST<\/td><td>5 years<\/td><\/tr><tr><td>2<\/td><td>OBC<\/td><td>3 years<\/td><\/tr><tr><td>3<\/td><td>A person with disabilities (General\/EWS)<\/td><td>10 years<\/td><\/tr><tr><td>4<\/td><td>A person with disabilities(SC \/ST)<\/td><td>15 years<\/td><\/tr><tr><td>5<\/td><td>A person with disabilities(OBC)<\/td><td>13 years<\/td><\/tr><tr><td>7<\/td><td>Ex-Servicemen\/Disabled Ex-Servicemen<\/td><td>Service period in defence services 3 years (8 years in the case of Disabled Ex-servicemen belonging to SC\/ST) subject to a max. age of 50 years<\/td><\/tr><tr><td>8<\/td><td>Widows, Divorced women( No remarried)<\/td><td>7 years (subject to the maximum age limit of 35 years for General\/ EWS, 38 years for OBC &amp; 40 years for SC\/ST candidates)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.practicemock.com\/sbi-apprentice-test-series\/?ref=11051\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Take a Free Mock Test &amp; and practice as if you&#8217;re taking the real exam<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">SBI Apprentice 2024 Application Fee<\/h2>\n\n\n\n<p>After completing the SBI Apprentice application fees candidates pay the required fees in the SBI Apprentice 20024 exam. Interested candidates check category-wise fees in SBI Apprentice 2024 exam.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td colspan=\"2\"><strong>SBI Apprentice 2024 Application Fees&nbsp;<\/strong><\/td><\/tr><tr><td><strong>Category<\/strong><\/td><td><strong>Fees<\/strong><\/td><\/tr><tr><td>General\/OBC\/EWS<\/td><td>Rs.300\/-&nbsp;<\/td><\/tr><tr><td>SC\/ST\/PWD<\/td><td>Nil<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">SBI Apprentice 2024 Exam Pattern<\/h2>\n\n\n\n<p>The SBI Apprentice 2024 selection process consists of two phases Online Written Test, and Local Language Test. Here we are providing the SBI Apprentice 2024 online written test. Interested candidates check the SBI Apprentice exam pattern in the following table:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>Name of test<\/td><td>No. of Questions<\/td><td>Maximum Marks<\/td><td>Duration<\/td><\/tr><tr><td>General\/Financial Awareness<\/td><td>25<\/td><td>25<\/td><td>15 mins<\/td><\/tr><tr><td>General English<\/td><td>25<\/td><td>25<\/td><td>15 mins<\/td><\/tr><tr><td>Quantitative Aptitude<\/td><td>25<\/td><td>25<\/td><td>15 mins<\/td><\/tr><tr><td>Reasoning Ability &amp; Computer Aptitude<\/td><td>25<\/td><td>25<\/td><td>15 mins<\/td><\/tr><tr><td>Total<\/td><td>100<\/td><td>100<\/td><td>1 hour<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">SBI Apprentice 2024 Syllabus<\/h2>\n\n\n\n<p>The SBI Apprentice 2024 Syllabus will be released on the official website of SBI along with the SBI Apprentice Notification PDF. Candidates check the section-wise syllabus and start preparing with our mock tests.<\/p>\n\n\n\n<p><strong>SBI Apprentice 2024 Syllabus for Quantitative Aptitude<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Vedic Math<\/li>\n\n\n\n<li>Number System<\/li>\n\n\n\n<li>Simplification<\/li>\n\n\n\n<li>Approximation<\/li>\n\n\n\n<li>Quadratic Equations<\/li>\n\n\n\n<li>Number Series (Missing and Wrong)<\/li>\n\n\n\n<li>Ratio and Proportion<\/li>\n\n\n\n<li>Partnership<\/li>\n\n\n\n<li>Problem on Ages<\/li>\n\n\n\n<li>Percentage<\/li>\n\n\n\n<li>Profit and Loss<\/li>\n\n\n\n<li>Averages<\/li>\n\n\n\n<li>Simple and Compound Interest<\/li>\n\n\n\n<li>Time Speed and Distance (Boats and Stream; Trains)<\/li>\n\n\n\n<li>Time and Work (Pipes and Cistern)<\/li>\n\n\n\n<li>Probability<\/li>\n\n\n\n<li>Permutation and Combination<\/li>\n\n\n\n<li>Mensuration<\/li>\n\n\n\n<li>Data Sufficiency<\/li>\n\n\n\n<li>Data Interpretation<\/li>\n\n\n\n<li>Quantity Comparison<\/li>\n<\/ul>\n\n\n\n<p><strong>SBI Apprentice 2024 Syllabus for Reasoning Ability &amp; Computer Aptitude<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Inequalities<\/li>\n\n\n\n<li>Blood Relation<\/li>\n\n\n\n<li>Directions<\/li>\n\n\n\n<li>Rankings<\/li>\n\n\n\n<li>Alpha Numeric Series<\/li>\n\n\n\n<li>Miscellaneous Reasoning (Prelims)<\/li>\n\n\n\n<li>Coding-Decoding<\/li>\n\n\n\n<li>Syllogisms<\/li>\n\n\n\n<li>Puzzles<\/li>\n\n\n\n<li>Seating Arrangements<\/li>\n\n\n\n<li>Data Sufficiency<\/li>\n\n\n\n<li>Input and Output<\/li>\n\n\n\n<li>Miscellaneous Reasoning (Mains)<\/li>\n\n\n\n<li>Computer Aptitude<\/li>\n\n\n\n<li>Critical reasoning<\/li>\n<\/ul>\n\n\n\n<p><strong>SBI Apprentice 2024 Syllabus for English language&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Inequalities<\/li>\n\n\n\n<li>Blood Relation<\/li>\n\n\n\n<li>Directions<\/li>\n\n\n\n<li>Rankings<\/li>\n\n\n\n<li>Alpha Numeric Series<\/li>\n\n\n\n<li>Miscellaneous Reasoning (Prelims)<\/li>\n\n\n\n<li>Coding-Decoding<\/li>\n\n\n\n<li>Syllogisms<\/li>\n\n\n\n<li>Puzzles<\/li>\n\n\n\n<li>Seating Noun<\/li>\n\n\n\n<li>Pronoun<\/li>\n\n\n\n<li>Verb<\/li>\n\n\n\n<li>Adjectives<\/li>\n\n\n\n<li>Adverbs<\/li>\n\n\n\n<li>Preposition<\/li>\n\n\n\n<li>Conjunction<\/li>\n\n\n\n<li>Subject verb agreement<\/li>\n\n\n\n<li>Tenses<\/li>\n\n\n\n<li>Active-Passive<\/li>\n\n\n\n<li>Direct and Indirect<\/li>\n\n\n\n<li>Error Detection<\/li>\n\n\n\n<li>Reading Comprehension<\/li>\n\n\n\n<li>Cloze test<\/li>\n\n\n\n<li>Sentence completion<\/li>\n\n\n\n<li>Phrase Correction<\/li>\n\n\n\n<li>Para Completion<\/li>\n\n\n\n<li>Connectors<\/li>\n\n\n\n<li>Para Jumbles<\/li>\n\n\n\n<li>Descriptive (Letter and Essay)<\/li>\n\n\n\n<li>Data Sufficiency<\/li>\n\n\n\n<li>Input and Output<\/li>\n\n\n\n<li>Miscellaneous Reasoning (Mains)<\/li>\n\n\n\n<li>Computer Aptitude<\/li>\n\n\n\n<li>Critical reasoning<\/li>\n<\/ul>\n\n\n\n<p><strong>SBI Apprentice 2024 Syllabus for General\/Financial Awareness<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Evolution of Banking in India<\/li>\n\n\n\n<li>Know Your Central Bank (RBI)<\/li>\n\n\n\n<li>Monetary Policy Committee (MPC)<\/li>\n\n\n\n<li>International Financial Institutions<\/li>\n\n\n\n<li>Types of Accounts, ATMs, Cheques<\/li>\n\n\n\n<li>Payment Systems in India<\/li>\n\n\n\n<li>Currency Management<\/li>\n\n\n\n<li>Money Market &amp; Capital Market<\/li>\n\n\n\n<li>Shares and Debentures<\/li>\n\n\n\n<li>PSL and Types of Risk in Banking<\/li>\n\n\n\n<li>Miscellaneous<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.practicemock.com\/blog\/sbi-apprentice-syllabus\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>SBI Apprentice Syllabus 2024- Click To Check<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">SBI Apprentice 2024 Salary<\/h2>\n\n\n\n<p>The apprentices are eligible for a stipend of Rs.15000\/- per month for the engagement period of one year. The apprentices are not eligible for any other allowances\/ benefits. Candidates click the link and know the brief information about SBI Apprentice 2024 Salary.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.practicemock.com\/blog\/sbi-apprentice-salary\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>SBI Apprentice Salary 2024- Click To Check<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">SBI Apprentice 2024 Cut Off&nbsp;<\/h2>\n\n\n\n<p>The State Bank Of India will release the SBI Apprentice 2024 Cut Off along with the scorecard and result. The State Bank of India will release the section wise cut off released by The SBI official website. Here we are providing the Previous year cut off so that candidates can get an idea for upcoming Cut Off.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.practicemock.com\/blog\/sbi-apprentice-cut-off\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>SBI Apprentice Cut Off 2024- Click To Check <\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-white-color has-vivid-cyan-blue-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.practicemock.com\/?next=https%3A%2F%2Fwww.practicemock.com%2Fs1pricing%2Findex.php%3Fc%3Dpremium&amp;ref=11051\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Start Preparation with Our Online Courses<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">SBI Apprentice Recruitment 2024 Notification FAQs<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1714644903211\"><strong class=\"schema-faq-question\"><strong>Is the SBI Apprentice recruitment 2024 notification released?<\/strong><\/strong> <p class=\"schema-faq-answer\">No The State Bank Of India will release the SBI Apprentice Recruitment 2024 Notification on its SBI Official website in September 2024.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1714644931634\"><strong class=\"schema-faq-question\"><strong>Who is eligible to apply for the SBI Apprentice Recruitment 2024?<\/strong><br\/><\/strong> <p class=\"schema-faq-answer\">Candidates aged between 18 and 28 years who have completed a graduate degree from a recognized university are eligible to apply for the SBI Apprentice Recruitment 2024.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1714645063902\"><strong class=\"schema-faq-question\"><strong>What is the selection process for the SBI Apprentice Recruitment 2024<\/strong>?<\/strong> <p class=\"schema-faq-answer\">The selection process typically involves an online examination followed by a local language proficiency test and an interview.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1714645165414\"><strong class=\"schema-faq-question\"><strong>What is the syllabus for the online written examination of SBI Apprentice Recruitment 2024?<\/strong><\/strong> <p class=\"schema-faq-answer\">The SBI Apprentice 2024 exam consists of four sections including reasoning ability, quantitative aptitude, English language and General\/Financial Awareness.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The State Bank Of India will released by the SBI Apprentice Recruitment 2024 Notification candidates check the all details in this blog.<\/p>\n","protected":false},"author":13,"featured_media":89617,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[384],"tags":[],"class_list":["post-89606","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sbi-apprentice"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>SBI Apprentice 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I cleared many bank exams time by time but couldn't join because of my passion towards writing. I write blogs to help aspirants prepare for Banking and Insurance exams. These blogs turn out to be a one-stop destination for comprehensive information on some of the biggest competitive exams like SBI PO\/Clerk, IBPS PO\/Clerk, IBPS RRB PO\/Clerk and RBI. My ultimate goal is to provide accurate and easy-to-understand information, covering topics like exam patterns, syllabus, study techniques, and more. Join me on this journey of knowledge!","url":"https:\/\/www.practicemock.com\/blog\/author\/ss8860409gmail-com\/"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/sbi-apprentice\/#faq-question-1714644903211","position":1,"url":"https:\/\/www.practicemock.com\/blog\/sbi-apprentice\/#faq-question-1714644903211","name":"Is the SBI Apprentice recruitment 2024 notification released?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"No The State Bank Of India will release the SBI Apprentice Recruitment 2024 Notification on its SBI Official website in September 2024.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.practicemock.com\/blog\/sbi-apprentice\/#faq-question-1714644931634","position":2,"url":"https:\/\/www.practicemock.com\/blog\/sbi-apprentice\/#faq-question-1714644931634","name":"Who is eligible to apply for the SBI Apprentice Recruitment 2024?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Candidates 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examination of SBI Apprentice Recruitment 2024?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The SBI Apprentice 2024 exam consists of four sections including reasoning ability, quantitative aptitude, English language and General\/Financial 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