1. Small (Manufacturing) Enterp ri s esare those engaged in the manufacture, processing or preservation of goods and whose investment in plant and machinery (or iginal cost excluding land and building) does not exceed ____
a) Rs. 1 crore
b) Rs. 2 crore
c) Rs. 2.5 crore
d) Rs. 5 crore
e) Rs. 10 crore
2. Expand the term ALM used in Banking / Finance sector?
a) Asset Liability Mismatch
b) Asset Liability Maturity
c) Asset Liability Management
d) Asset Liability Manpower
e) None of the above
3. The statements that are to be submitted to RBI, from time to time, by Commercial Banks are called ëBSRí.BSR stands for:
a) Bankís Selling Rate
b) Basic Statistical Return
c) Annual returns submitted by banks to RBI in respect of priority sector advances
d) Quarterly statement of advan ces to agriculture
e) None of the above
4. The level of CRR to be mainta i ned by scheduled banks with RBI is mentioned in ____.
a) RBI Act 1934
b) BR Act 1949
c) Companies Act 1956
d) NI Act 1885
e) RBI Notification
5. Lien is a/an _____ of the creditor to retain possession.
a) Right
b) Obligation
c) Instrument
d) Interest
e) None of the above
6. In core banking Solutions:
a) Branches are connected to a central host
b) Branch automation modules and delivery channels are in corporated
c) Transactions are done centrally and online
d) All of the above are correct
e) None of the above
7. Which of the following statement regarding Rural Infrastructure Development Fund (RIDF) is not correct?
a) Domestic banks deposit short fall in priority sector lending targets or weaker section len d ing or agriculture lending in RIDF.
b) RIDF corpus is estimated annually and for 2015-16 it is Rs.25,000 crore.
c) Interest is Bank Rate less 2% to 4% and period of deposit f o r RIDF is determined by RBI
d) Amount deposited in RIDF by banks is not eligible investment for priority sector classification
e) None of the above
8. Maximum compensation an Om bu -dsman is empowered to award in respect of deficiency in service of the Credit Card operations is:
a) Rs. 50,000/-
b) Rs. 1 lakh
c) Rs. 5 lakh
d) Rs. 10 lakh
e) Rs. 25,000/-
9. Which of the following cannot participate in the call money market?
1. Banks (including co-operative banks)
2. Land development banks
3. Primary dealers
4. Financial institutions
5. Mutual funds players
a) 1, 3 and 4
b) 1, 2 and 3
c) 2, 3 and 4
d) 2, 4 and 5
e) None of the above
10. Treasury bills are issued by ______through _____ for maturities of 91 days, 182 days and 364 days for predetermined amounts.
a) RBI, GOI
b) GOI, RBI
c) RBI, Exim bank
d) GOI, Exim bank
e) RBI, SBI
11. In the call money (a money market instrument), funds borrowed by banks need to be repaid ____.
a) On the same day
b) On the next working day
c) Within a fortnight
d) Within a year
e) Within a week
12. Customer profitability analysis means:
a) Exercise done by bank before lending to a customer
b) Exercise before opening a new branch
c) Assessing the profitability of customer's business
d) Only a and c
e) None of the above
13. Liquidity with a banker means:
a) Cash on Hand
b) Cash and Bank balances
c) Short-term current assets to convert into cash
d) All of the above
e) None of the above
14. In the notice money (a money market instrument), funds borro wed by banks need to be repaid ____.
a) On the same day
b) On the next working day
c) Within a fortnight
d) Within a year
e) Within a week
15. Cardinal principles of lending are ______
a) Safety and liquidity
b) Profitability and diversification of risks
c) Purpose and security
d) Only a and c
e) a, b and c
16. In the term money (a money market instrument), funds borrowed by banks need to be repaid ____.
a) On the same day
b) On the next working day
c) Within a fortnight
d) Within a year
e) Within three years
17. Derivates refer to _____ price.
a) Past
b) Present
c) Future
d) Market
e) None of the above
18. As a practice, all banks now deduct some amount from their pre- tax income and set aside in a separate account to create a cushion against loans which may go bad. This is called?
a) CRR
b) SLR
c) Provisioning
d) PLR
e) None of the above
19. Which of the following statements regarding CP is not correct?
a) CP is a negotiable instrument
b) CP is issued in the form of a promissory note
c) Banks can invest in CP if it is issued in Demat form
d) CP, being a tradable instrument, carries liquidity risk
e) Minimum amount of CP sho u ld be Rs.5 lakh
20. One of the following statements is not true with respect to RTGS:
a) Funds are transferable from the branch of one bank to the branch of another bank
b) Only the corporate and Government departments can avail of the facility
c) The RTGS system is maintained and operated by the RBI
d) Each participant bank here of the RTGS will be required to open a dedicated settlement ac count for
putting through its RTGS transactions
e) None of the above
21. In repo transaction, banks ____ RBI.
a) Lend to
b) Borrow from
c) Deposit money in a special account with
d) Extend a repurchase agreement
e) b and d
22. Sanjay, a minor aged 11 years, desires to open a saving account. His mother is illiterate and his fa ther has become sanyasi. He has his grandparents. Who will be his natural guardian?
a) Father
b) Mother
c) Grand father
d) Guardian appointed by court
e) Sanjay himself can operate
23. The benefit accruing to traders who play in different markets, si multaneously - profits accrue, as markets are imperfect, is known as ______.
a) Leverage
b) Arbitrage
c) Derivative
d) Swap
e) None of the above
24. A minor for whom the court has appointed a guardian attains majority on completion of
a) 21 years
b) 18 years
c) 15 years
d) 17 years
e) 20 years
25. In saving account deposits, interest is paid on_____ balance
a) Maximum
b) Average daily
c) Half yearly average
d) Balance at the end of month
e) None of the above
26. A stop payment instruction of a cheque can be issued by?
a) The payee
b) The endorsee
c) The drawer
d) The drawee
e) None of the above
27. The level of SLR to be maintained is mentioned in _____.
a) RBI Act 1934
b) BR Act 1949
c) Companies Act 1956
d) NI Act 1885
e) None of the above
28. Which of the following components is exempted from DTL (De mand and Time Liabilities) calculation?
a) Foreign outward remittances in transit
b) Net inter-bank borrowings/ deposits with maturity not ex ceeding 14 days (call/ notice mo ney liability)
c) Demand and time deposits
d) Overseas borrowings
e) None of the above
29. Forged cheque is:
a) Valid for payment
b) Invalid and hence cannot be paid
c) Post-dated and hence cannot be paid
d) Stale-cheque and hence cannot be paid
e) Ante-dated and hence cannot be paid
30. Security feature available with smart card:
a) Multiple pins
b) Retinal pattern verification
c) Dynamic signature verification
d) Vein recognition
e) All of the above
31. A bank on whom a cheque is drawn by the customer is called as ___
a) Collecting bank
b) Paying bank
c) Advising bank
d) Issuing bank
e) Confirming bank
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