603_RETAIL BANKING

Sr. No Question Answer Remarks

1
Which of the following is not a fundamental ingredient of an effective marketing mix in Retail Banking? b.       Product and profit OK

Any document other than a will has to be presented for registration within months from the date
2 of its execution. The term 'execution' means signing of the agreement. Under the present rules
and regulations, all agreements in respect of a transfer of a immovable property have to be duly
stamped. c.       3 OK
3 PSBs are more organized in the process model with various levels of position across banks. b.       horizontal, vertical OK

4 In the retail liabilities and asset side, the software mainly captures the following types of
information. Select the correct option. d.       i, ii, iii, and iv OK

5 d.       National Rural Livelihood

What is new name of SGSY(swaranjayanti gram swarojgar yojna) ? Mission OK
6 Public sector banks in India follow the model of …… a.       Departmental approach OK

The integration of triple play (data + audio + video) provides banking customers real time access to
7 their relationships with the bank, such as fund transfers, remittances, etc. This is built on
principles. c.       ii, iii and iv OK
8 Securitisation Process involves the following : d.       All the above. OK
9 BCSBI was released by the Governor, Reserve Bank of India on …… b.       1st Jul 2006 OK
10 BCSBI codes are reviewed after every …… years. b.       3 OK
11 b.       Rs 25 lacs(Manufacturing) & 10
What is correct about project cost under PMGEP scheme ? lacs(Others) OK
12 Returns are more in …… c.       retail banking OK

13 a.       10% general and 5% for special

What is range of margin/borrower contribution in PMGEP scheme ? category OK
c.       understanding the service
14 expectations from customers point of
According to the factors of service quality – Empathy means view OK
15 e. Regular income from all sources can be considered to arrive at total eligible loan amount. d.       All the above OK
An Individual took a Loan of Rs. 15.00 Lacs for purchasing a flat for self-occupation on 30/03/1999
16 & paid Rs. 1,20,000 towards Interest during FY. 2006-07. The maximum amount of Interest which
he can claim as a deduction would be… d. Rs. 30,000 OK

Any profit or gain from sale or transfer of a capital asset is chargeable to tax under the head capital
17 gains Capital asset means any property whether movable or immovable, tangible or intangible.
Transfer, in relation to capital asset, includes sale, exchange of the asset. However, the following
assets are NOT excluded from the definition of capital assets: d.       None of the above OK
18 The form which serves as a data base for cross selling of different products in banks b.       KYC form OK
19 Short term capital asset means a capital asset held for less than months immediately prior to the
date of transfer and Long term capital asset means a capital asset held for more than c. 36,36 OK
20 Electronic Channels in retail banking refers to …… d.       All the above OK
21 EMI Reset is applicable in case of b.       Floating rate borrowers OK
22 At which stage of product life cycle the product is likely to see drop in volumes and in profits? b.       decline stage. OK
23 Marketing Mix refers to …… d.       All the above. OK
24 DRTs are governed by provisions of the …… c.       RDB Act OK

d.       a provision regarding final

25 chance to be given to the borrower for
The terms and conditions for repossession as per the recovery policy should contain the following repayment of loan before the
provisions …… sale/auction of the property OK
26 What are the advantages of retail banking? d.       a and b OK
27 Recovery of loans through Lok Adalats can be resorted to by banks upto a limit of …… c.       Rs. 10 lacs OK
28 Bank's representatives authorized to represent the Bank in collection or/and security repossession
would contact the borrower before …… b.       1900 hrs OK

29 This method of depreciation is generally adopted by industrial units because of advantage of lower a.       Written Down Value (WDV)
income-tax Method OK
30 What is appropriate about educational qualifications under PMGEP scheme ? d.       b & c OK
31 For reverse mortgage loans the age of the applicant should be above c.       60 yrs OK
32 Through Mobile Banking customer can’t avail the facility of …… b.       Letter of Credit services OK
33 Through Internet Banking customer can not avail the facility of the transactions of …… c.       Letter of Credit services OK
34 The branch is the primary direct channel that drives Retail Banking by the following reasons:- d.       All the above. OK
35 BCSBI codes are . b.       voluntary OK

In case of default in repayment, before repossession of the security, BCSBI representatives will
36 contact you ('you' denotes customer) between _ and , unless the special circumstances of your
(customer's) business or occupation require otherwise. d.       0700 hrs to 1900 hrs OK

37 According to BCSBI, if a bank plans to close or move its branch, the bank will give the customers a
notice of months if there is no other branch of any bank functioning at that centre and a notice of
months, if there is a branch of any other bank functioning at that centre. d. 3, 2 OK
38 Which of following is not part of priority sector lending ? d.       Medium enterprises in MSME OK
39 Loans to distressed persons(other than farmers) is also part of priority sector if the amount of loan
is upto: d. Rs 50000 OK
40 In India, mortgage advice profession should follow the guideline of ...... d.       No regulations OK
41 The maximum period for Reverse mortgage loan is …… b.       15 yrs OK
42
At which stage of product life cycle the customer develop a tendency of indifference to the product? a.       maturity stage OK
43 Bank Marketing refers to …… d.       All the above OK

44 The loans sanctioned by banks for housing projects exclusively for the purpose of construction of
houses only to economically weaker sections and low income groups, having family income, c. Rs 120000/- & Rs 10 lacs OK

Bank loans to Housing Finance Companies (HFCs), approved by NHB for their refinance, for on-
45 lending for the purpose of purchase/construction/reconstruction of individual dwelling units or for
slum clearance and rehabilitation of slum dweller: b.       Rs 10 lacs per borrower OK
46
Which of following concepts point out for a well laid strategy for Retail Banking focusing on Customers? d.       All the above. OK

47
Which of the business modules is Management by Objectives process? a.       Strategic Business Unit approach OK
48 Default in repayment in Credit Cards and Personal Loan segments are mainly due to …… c.       Anyone of the above OK
49 Cross Selling refers to …… c.       Only i is true OK
50 d.       Banking facilities to large size
Which one is not a characteristic of retail banking? businesses OK
51 c.       Dun & Bradstreet information
The first Credit Bureau in the world? services OK
52 New Delhi and Mumbai have …… benches in Debt Recovery Tribunal b.       3 OK

53 Banking in the Indian scenario was identified with lending to business and corporate clients for
working capital and project financing before …… b. 1960 OK
54 Demat refers to …… d.       All the above OK
55 A good branch ambience will result in the following advantages for the bank …… d.       All the above OK

56 c.       Rs 2 lacs in rural and 5 lacs in

Loans for repairs to the damaged dwelling units of families upto is part of Priority sector: urban/metro OK
57 A suit for foreclosure must be filed within ...... years/months from the day the mortgage money
becomes due. d.       30Y OK
58 In case of Home Loans, the credit rating should be reviewed ...... d.       YRLY OK
59 Power of attorney should be...... d.       notarised or registered OK
60 The facilities available for mobile banking customers are …… d.       All the above OK
61 Each Debt Recovery Tribunal has …… Recovery Officers b.       2 OK

62 b.       Retail loans other than housing

Asset backed securitisation (ABS) is backed by …… loans OK
63 Loans to farmers against pledge/hypotehcation of agriculture produce(including warehouse
receipts)upto lacs for period not exceeding 12 months. a.       upto 50 lacs OK
64 In the credit information report weightage given to payment history is …… c. 0.35 OK

65 An individual took a loan of Rs. 10.00 Lakhs for purchasing a plot of land during F.Y. 2005-06 & has
paid around Rs. 1,10,000 towards Interest & around Rs. 57,000 towards principal during d. Rs. 0 OK
66 In the credit information report maximum weightage is given to a.       payment history OK

67
Which of following is part of weaker section under P/sector lending ? Pick up the ODD one : b.       Loans to Staff Members of Bank OK
68 The Moratorium period in case of housing loan will be d.       Both b and c. OK

Mr Raj is from BUNDI Rajasthan working in OBC bank at KARNAL want to purchase a house at
69 KOTA by taking housing loan under staff HL scheme, Under simple registered mortgage, he should
cross check the Encumbrance Certificate for years showing nil encumbrances and Parent
Documents of years. b. 13,30 OK

What is the time limit for settlement of claims in respect of deceased depositors and to release
70 payments to survivor(s) / nominee(s) (assuming all terms and conditions fulfilled and bank is
satisfied with the identification of the claimants). b.       15 days OK
71 The time limit for transfer of borrowal account is days. c.       21 days OK

72 c.       Transfer of funds to any third

The Point of Sale (POS) terminals do not represent which of the following …… party OK

73 The time limit for returning of the securities / documents / title deeds of mortgaged property is
days from the repayment of all dues agreed to or contracted. b.       15 days OK
74
Which types of the following risks to the customers as well as to banks are carried by the ATMs? d.       All of the above OK
75 Para banking refers to …… d.       All the above OK
76 The business model followed by Banks for retail banking are d.       Anyone of the above OK

77 b.  50% to go micro with investment in

What is sub target for MSE under Priority sector lending ? Pick up the ODD one : P&M upto 5 lacs & services upto 2 lacs OK
78 What stands for ANBC ? d.       Adjusted Net Bank Credit OK
79 Which of the following country doesn’t come under Europe – eurozone? b.       Sweden OK
If drawer fails to make the payment of the said amount of money to the Bank within 15 days of the
80 receipt of the notice mentioned in MLQ4, A complaint should be filed before Court, within days
from the date of cause of action. c.       30 OK
81 Which of the following dimensions do not relate to Marketing in Retail Banking? d.       None of the above OK
82 When a cheque is dishonoured, the bank has to give a notice in writing to the drawer within d.       15 OK
83 BCSBI commits to provide 'Online Alerts' to customers for all 'card not present' transactions of the
value of Rs and above. c.5000 OK
84 profile. c. 360 OK
85 Data warehouse is one of the most important backbone of CRM. Which of the following is correct
regarding data warehouse ? d. i, ii, iii and iv OK
86 c.       Facilities of withdrawing cash
Which of the following facility a Mobile Banking customer cannot use? anywhere anytime OK
87 The branch is the primary direct channel that drives Retail Banking by the following reasons d.       All the above OK
88 Arrange the following stages of a CRM in the order in which they come first. d. iii, i, iv, ii OK
Mr Raj is from BUNDI Rajasthan working in OBC bank at KARNAL want to purchase a house at
89 KOTA by taking housing loan under staff HL scheme, Under simple registered mortgage, the Deed
of Mortgage is required to be registered with the sub-Registrar/Registrar. a.       Kota OK
90 The channels through which Retail Banking services are offered are? d.       All the above OK

91 b.       It is a tool to attract of the old

Which of the following is not a benefit and use of Mobile Banking? generation clients OK

92 c.       CC/OD account facility to a

Which of the following is not a Retail Deposit Products? corporate office OK
93 Mortgage Backed Securitisation (MBS) is backed by …… c.       Mainly housing loans OK
94 Which of the following are not related to Internet Banking Services? c.       Letter of Credit OK
95 Process models in retail banking are structured as d.       Any one of the OK

96 Loans upto to Producer Companies set up exclusively by only small and marginal farmers under
Part IXA of Companies Act, 1956 for agricultural and allied activities, is part of agriculture: b.       2 crore indirect agri OK
97 Rate of Interest on Priority sector loans is fixed by : d.       RBI OK
98 Commitments to customers under BCSBI cover …… d.       All the above OK

c.       The product for retail banking

99 Which of following is not an observation of Ernest T. Parkins from USA that the Internet Banking, has been broadly rejected by the
going forward, would have great implications? customers OK
100 d.       Decreasing dependence on
Which of the following dimension of CRM is not an approach of customer optimization? technology OK

In case of cheques received unpaid from the paying banker for want of sufficient funds, the
101 borrower should be immediately contacted. The cheque should be re-presented within a period of
days of its having been returned unpaid with written request from the borrower. b. 3 OK
102 Which of the following is not a result of shifting the customers from the branch to the ATM? d.       None of these OK

b.       Loans to individuals utp 15 lacs

103 in metro/towns with population upto
What is quantum/ceiling of loan under Priority Sector ? Pick up the ODD one : 15 lacs OK

104 What are extant guidelines for Agriculture advances to corporate/partnerships & institutes
engaged in agri & allied activities:‐ d.       a & c OK
105 Which of following is not part/category of Priority sector lending ? c.       Loans to banks staff OK
106 What changes were observed by Ernest T. Parkins from USA in Internet Banking? d.       All of the above OK
107 According to the BCSBI codes bank has to inform the customer classifying his account as
DORMANT / INOPERATIVE before …… b.       3 months OK
108 Employee value is ...... by deploying them in marketing and for cross selling / up selling
opportunities, better business values and volumes. a.       increased OK
109 Prepayments charges collected by branches should be credited to which account? a.       Interest A/c OK
110 Banks distribute the following types of products in life and non life insurance business d.       All the above OK
111 c.       One Life Insurer and One Non
As a Corporate Agent , Banks can distribute the products of …… Life insurer OK
112
What is the maximum amount that can be claimed as a deduction under 80C of the IT Act, 1961? c. Rs. 1,00,000 OK

113
The maximum number of Mutual Funds that can be distributed by Banks as a Corporate Agent is …… d.       No Limit OK
114 What are priority sector targets for foreign banks as per extant guidelines now:‐ d.       a & c OK
115 Loans up to borrower to dealers /sellers of fertilizers, pesticides, seeds,cattle feed, poultry feed,
agricultural implements and other inputs, is part of Indirect Agriculture:‐ d.       5 crore OK
116 The process of turning raw data into useful information (so that banks can learn more about the
pattern and behaviour of customers) is known as ...... b.       data mining OK

117 a.       Electronic Bill Presentment and

EBPP in Internet Banking stands for ? Payment. OK

d.       C & production of proof of death

118 and other documents to banks
Claims with regard to Deceased depositors should be settled within a period of satisfaction OK
119 Which of the following is a direct channel but not a remote channel? b.       Branch OK
120 Recovery Officer of Debt Recovery Tribunal …… be a judicial Officer b.       need not OK

121 This is an important phase in the origination cycle as decisions made here affect the health of the
portfolio. a.       Credit appraisal and sanction OK
122 Service charges under Priority sector lending are exempted for loans upto: c. Rs 25000/- OK

c.       All loans sanctioned to units in

the KVI sector, irrespective of their size
123 of operations, location and amount of
original investment in plant and
machinery. Such loans will be eligible
for classification under the sub‐target
of 60 percent prescribed for micro
enterprises within the micro and small
enterprises segment under priority
What is correct about Khadi village Industries loans under MSE in Priority sector ? sector. OK
124 What is correct about rate of interest under DRI scheme ? d.       4% simple OK
d.       Overdraft upto 50000/‐ per
125 account granted in no frills
Which of following is true about overdrafts to no frills to be treated as priority sector ? account/basic banking saving OK
126 BCSBI codes are …… d.       voluntary codes by bankers OK
127 EFMA conducted a study on global Retail Banking market in …… d. 2006 OK
128 EFMA conducted a study on global Retail Banking market covering …… Banks. b. 142 OK
129 EFMA conducted a study on global Retail Banking market covering banks in …… Countries. b.       20 OK
130 Which one is not one among the Europe’s large private banks, the Big Five? b.       Bundesbank AG OK

131 Today many supermarkets offer free loyalty cards to customers that give them access to reduced
prices not available to non-members. Why so? d.       for effective data mining OK
132 In PSBs, retail banking is carried on only as a ...... a.       separate departmental activity OK

133
In foreign banks and new generation private sector banks, retail banking is carried on as a ...... b.       SBU (Strategic Business Unit) OK

c.       A DMA need not focus on loyalty

134 A DMM (Dedicated Marketing Manager) should possess following qualities. Select the factor as the loyalty factor is already
inappropriate one. attached with the PSBs. OK
135 Corporate banking is a …… b.       B2B approach OK
136 Head institutions of public sector banks in Europe are known as …… c.       Landesbanken OK
137 ISP in Internet Banking stands for ? b.       Internet Service Providers. OK
138 PDA in Internet Banking stands for ? c.       Personal Digital Assistants OK
139 Which of the following services are not offered for Internet Banking customers? d.       None of the above OK
140 d.       Automated Ledger Posting
Which of the following was the beginning of the level of technology implementation in PSBs? Machines OK
141 Which of the following important human interventions are not available in physical channel in
Service Delivery? d.       Net Banking and Mobile Banking. OK
142 SBU in Internet Banking stands? b.       Strategic Business Unit OK
143 Which of the following is the enabler for building and translating a customer data base into retail
banking business? b.       Technology OK
144 When the data is available product wise on a stand alone basis, this model is known as a.       both i and ii OK

145 Foreign banks cited in the topic, which entered in retail banking activities, when not able to
achieve the business objectives, b.       Moved out of the business. OK
146 Human interventions in the delivery of services are …… d.       All the above. OK

An individual took a loan of Rs. 10.00 Lakhs for purchasing a plot of land during F.Y. 2005-06 & has
147 paid around Rs. 1,10,000 towards Interest & around Rs. 57,000 towards principal during F.Y. 2006-
07. He has not made any other contribution under Sections 80C, 80CCC, or 80CCD. He will be able
to claim deduction of ……towards principal. d. Rs. 0 OK
148 Which of following is part of direct agriculture under Priority sector ? d.       b & c OK
149 What is appropriate about incremental loans by banks under MSME to be reckoned as priority
sector lending ? d.  All the above OK
150 Misselling retail loans by a DSA (Direct Selling Agent) and the resultant dissatisfaction of the
customer results in risk for the bank. d.       reputation OK
151 Sales through Tie-Ups with auto dealers is more prevalent in ...... c.       both ii and iii OK
152 Cash Tree (a common networking arrangement) is owned by ...... c.       BOI OK
153 Which of the following customer services are offered online? d.       All the above. OK
154 The implementation models followed by banks for retail banking are d.       Anyone of the above OK
155 Which is one of the pioneers in introducing consumer banking models with hybrid liability and
asset products specifically targeted at the personal segment? b.       Standard Chartered Bank OK
156 Suppose you went to a restaurant and order a hamburger. The cashier / waiter ask you, Do you
want fries with that? In this case, you are being ...... b.       up selled OK
157 Warranties on electronic purchases are examples of . b.       up selling OK
158
The customer information is centralized and the functionality is provided across all products in . b.       Vertically organized model OK
159 Parent documents for housing loans should be provided for c.       30 yrs. OK
160 Which bank created waves in the early 1980s with their credit card products? c.       Citibank OK

161
Who were the two of the early players in the credit card business in the PSB space? b.       Bank of Baroda and Andhra Bank OK
162 In which approach strategies are designed based on the type of branch viz., Rural. Semi Urban.
Urban and Metro? c.       Classification based approach OK
163 The requirements for delivering effective service to the customers are …… d.  All the above OK
164 What are the standard retail asset products offered by banks? d.       All three OK
165 Tie ups are not entered into by banks for bulk sale of the following assets …… c.       CC/OD Accounts OK
166 Which of the following country doesn’t come under Europe - Non-eurozone? d.       France OK
167 Liability products are offered to retail banking customers basically under? d.       All three OK
168 Retail Banking is a …… a.       B2C approach OK
169 What is appropriate about targets under DRI scheme ? d.       a & b OK

170 b.       5% of ANBC but outside Priority

Credit to women beneficiaries is: sector targets. OK
171 It is also the largest d.       Cashnet OK

172
At which stage of product life cycle the product is likely to break even and start earning profits? c.       growth stage OK
173 Why CRM needed? d.       All the above OK
174 Which of the following facilities is not available for mobile banking customers? c.       Depositing Cash OK

175 When the data is not shared with other products and product platform, i.e., the functionality is
limited to one product only, this process model is known as . a.       Horizontally organized model OK

176 Suppose you are viewing a 4GB iPod Nano for Rs. 4000 in a shop. The shopkeeper shows you Apple
In- Ear Headphones with Remote and Mic worth Rs. 800. This is an example of . d.       cross sell OK
177 Banking Codes and Standards of India is aimed at the following …… d.  All the above OK

178 Bank's representatives authorized to represent the Bank in collection or/and security repossession
would contact the borrower after …… b.       0700 hrs OK
179 The technology models adopted by banks are …… d.       Anyone of the above OK
180 In the BCSBI code the words ‘ you’ and ‘we’ refers to d.       Both A & B OK
181 What is the minimum age limit for applying for credit card? c.       21 yrs OK
182 What is maximum allowable amount per unit under SJSRY scheme? c.       Rs 2 lacs OK
183 Suppose you are viewing a 4GB iPod Nano for Rs. 4000 in a shop. The shopkeeper shows you 8 GB
iPod Nano worth Rs. 6000. This is an example of . c.       up sell OK
184 Price structuring for products and services is attempted by banks in the following ways d.       All the above OK
185 Certificate course for Direct Recovery Agents by IIBF has minimum …… hours of training. c. 100 OK

186
The customer segment whose income level is between Rs. 10 lacs to Rs.50 lacs is referred to as a.       Mass Affluent OK
187 d.       2nd dose permissible but within
Whether 2nd dose of loan is applicable under national rural livelihood mission? overall subsidy condition OK

188 b.       Rs 18000/- in rural area & Rs

What is an income criterion under DRI scheme? 24000/- in urban centres OK
189 According to Maslow's Need Hierarchy Theory, needs may be broadly classified as d.       All the above OK
190 Customers' expectations of service quality mainly depend on the following : d.       All the above OK
191 Customer data integration is available to a certain extent for other products also in c.       Predominantly Horizontally OK
192
The basic information is available across products for common services in organized process model. d.    Predominantly Vertically OK
193 The bank employees have to give importance to customers based on their . a.       portfolio of products OK
194 a.       the future value of present cash
Compounding is used to determine flows OK
195 State whether the following is true …… d.       All are true OK
196 The factors which are to be taken into account for calculation of Equated Monthly Installment
(EMI) are… d.       All the above. OK
197 Chennai and Kolkata have …… benches of Debt Recovery Tribunal a.       2 OK
198 The Presiding Officer of Debt Recovery Tribunal is generally a judge of the rank of …… c.       Dist. & Sessions Judge OK
199 Product architecture consists of the following component/s d.       All the above OK
200 Credit Scoring Models are based on the following details of applicants: d.       All the above OK
201 s d.       All the above OK

202 d.       Release the loan either at their

Retail Loan Processing Centres of banks are designed to end or advise sanction to branches OK
203
Minimum amount due (MAD) is calculated at what % of the total current dues of the credit card..... a.       5 OK

204 Website of a bank permits its customers to submit their instructions and application for different
services etc but do not permit any fund based transaction on their account. This is…… b.       Simple transaction website OK
205 Following types of account are not permitted under Internet banking a.       Jointly operated accounts OK

206
Service delivery is generally more personalised and caring in which of the following category of banks … d.    All of these OK
207 In a simple registered mortgage the deed of mortgage is to be registered within …… months of its
date of execution d.       4 OK
208
......is normally for a period of or less than 2 years and hence provides funds for short duration only Factoring OK
209 how many schedules are there in profit and loss account of a bank 4 OK
210 Indian commercial bank are categorized into All the above OK
211
ALCO is Asset Liability Management Committee OK
212 in india bank are required to maintain a minimum capital adequacy ratio of 0.09 OK
213 Regional rural bank were setup on the recommendation of Narsimha Committee OK

214
__________is the bailment of goods as security for payment of a debt or performance of a promise Pledges OK
215 Prepayments charges collected by branches should be credited to which account? Current A/c OK
216 the point of sale (POS) terminals do not represent which of the following Transfer of funda to any third party OK
217
based of stock statement the bank will calculate......the margin to be maintained by the borrower Drawing power OK
218 The Maximum SLR ratio to be maintain by bank is 0.4 OK

A provision regarding final chance to

219 be given to the borrower for
The terms and conditions for repossession as per the recovery policy should contain the following repayment of loan before the
provisions sale/auction of the property OK
220 Through Mobile Banking customer cant avail the facility of__________ Letter of Credit services OK
221 NPA stand for Non Performing Assets OK

222 Any asset which has remained in the substandard category for the period of 12 months can be
termed as. Doubtful assets OK
223 EMI stands for Equated monthly installment OK
224 A term loan will be treated as NPA if any commitment by way of principle or interest or both
remain overdue for more than___days 90 OK
225 the securities brought by the bank with an idea to held them up to maturity are categorized as Held to Maturity OK
226 measuring banks interest rate risk
gap method is basically used for exposure OK
227 A lender becomes aware that a loan applicant has several County Court Judgments against him.
This information is likely to have been obtained from credit reference agencies OK

228 a cash credit or overdue account will be treated as npa if an account remains out of order for a
period of more than ....days 90 OK
229 __________is the apex monetary institution of india RBI OK

230 Risk Owning to altering of yields across

Yield Curve Risk is known as maturities and its impacts on nill OK
231 Substitute of term loan facility is__________ Deferred Payment Guarantee OK
232 which office is headed by the chief dealer Back Office OK
233 Credit Risk is Possibility of loss of credit OK
234 Which is not an element of tier II capital Paid-up ordinary share capital OK

The Bank should finance a maximum of up to 75% of the total current assets and the balance 25%
235 of the current assets is to be brought as margin by the borrower. At this stage, the current ratio
requirement is a minimum of. 1.33:1 OK
236 after disbursement of loan gap period after which the repayment of loan starts is called moratorium period OK

237 ALM information systems, ALM

ALM has three pollers namely organisation and ALM processes OK
238 A_________refers to to the assessment of the financial position of a bank under a servebut
probable situation for the purpose of decision making within the bank Stress Testing OK
239 As per basel II recommendations minimum ratio of capital to be maintained by SCBs is 0.08 OK

240 (Cash in hand + Balances with

Cash to deposit ratio is RBI)/Deposits x 100 OK
Potential worst case loss at specific
241 confidence level over a certain period
VaR is of time OK

To consider the loan amount under housing loan scheme which of the following statements are
true? a. the property is jointly held with the spouse and the spouse is
242 co-borrower b. the property is held in single name
and the spouse stands as a guarantor c. the
borrower's son or daughter who has a steady income, the salary is routed through bank account
and joins as a co-borrower d. expected rental less taxes, cess etc., in case the house/flat being
purchased is proposed to be rented e. regular income from all sources can
be considered to arrive at total eligible loan amount. All the above OK
In case of__________, the bank has to pay the money on due date of the bills drawn by the
243 beneficiary/
supplier under the letter of credit irrespective of whether the party pays the money or not. Letter of Credit OK
244 senior securities are normally AA RATED OK
245 Which is not the function of investment/treasury management Providing Loan OK

246
…..........Facility is considered mainly for business and trading to fill the in working capital requirements Overdraft OK
247 which is not the type of foreign risk Price Risk OK
248 Rate of interest income to total assets is (Interest earned/Total assets) x 100 OK
249 Which bank are not liable to maintain Capital Adequacy ratio Foreign Bank OK
250 which is the non fund based advance Micro and small enterprises OK
251 risk may be listed as (a) credit risk (b) liquidity risk (c) mature closure risk a&b OK
252 which is not the priority sector finance Education OK
253 Tire I capital mainly includes share capital and disclosed reserves. OK

254 Capital as a persentage of Risk-

Capital adequacy ratio indicates weighted assests OK
255 capital for the purpose of capital adequacy ratio means Tire I & II OK
256 for reverse mortgage loan the age of the applicant should be above 60 OK
257 DRTs are governed by provisions of the RDB Act OK
258 India needs a banking system that is_____ so as to meet the new challenges posed by technology Book Question
and other internal and external factors. (b) Hassle-Free
Accepting, for the purpose of lending or investment, of deposits of money from the public,
259 repayable on demand or otherwise, and withdrawable by cheque, draft, and order or otherwise is Book Question
referred as (c) Banking business
260 One of the important functions of a commercial bank is (a) Intermediation Book Question

261 A system through which electronic instructions can be given by banks to transfer funds from their Book Question
account to the account of another bank is called (a) Real-time settlement system
262 Nationalization of banks in India was started in the year (a) 1969 Book Question
263 Reserve Bank of India was established as a Central Bank of our country in the year 1935 under (b) Reserve bank of India Act Book Question

264 (a) To make banking services reach the Book Question

The basic motive of banks’ nationalization was masses
265 Lead Bank Scheme (LBS) was introduced in 1969, based on the recommendations of (b) Gadgil Group Book Question
266 Agriculture finance by the banking industry in India is regulated by (b) NABARD Book Question
267 Prathama Grameen Bank is India’s first (c) Regional rural bank Book Question

268 (a) Ministry of Finance, Government of Book Question

Financial sector in India is controlled by India
269 regulates and supervises commercial banks, non-banking finance companies (NBFCs), Book Question
development finance institutions, urban co-operative banks and primary dealers. (a) Board for Financial Supervision
270 India has a structure of financial institutions. (c) 3 tier Book Question
271 activities of goods are allowed as per Section 8 of the Banking Regulation Act. (a) Trading Book Question
272 (a) Board for Payment and Settlement Book Question
The Board for regulates and supervises the payment and settlement systems in India. Systems
273 RBI is wholly owned by (c) Both the above Book Question
274 is the apex institution in controlling the banking system in the country. (c) RBI Book Question
275 oversees the business of RBI. (a) Central Board of Directors Book Question

The act with a view to develop the rural economy by providing, for the purpose of development of
276 agriculture, trade, commerce, industry and other productive activities in the rural areas is titled Book Question
as : (b) Regional Rural Banks Act, 1976
277 RBI's fully-owned subsidiaries include (c) Both (a) and (b) Book Question
278 Others’ claims on the bank is (b) Liability Book Question
279 Capital is a component of: (a) Schedule 1 Book Question

280 In India, the commercial bank is required to transfer per cent of balance of its annual profits to the Book Question
Reserve fund as per section 29 of the Banking Act. (b) 25
281 Interest payable on deposits is included in : (c) Schedule 15 Book Question
282 Advances should be shown at the gross amount on the side. (a) Asset Book Question
283 Claims of the bank on others is (b) Liability Book Question

284 Book Question

shall include interest due and payable and interest accrued but not due on deposits and borrowings. (a) Interest accrued
285 is called the first line of defense to the bank. (b) Cash at bank Book Question
286 Fixed assets are referred to as (b) Dead stock Book Question

287 Money kept by bank with the central bank or other commercial banks in current account Book Question
represents to the bank. (b) Second line of Defence
288 The current minimum capital adequacy ratio set by RBI for Tier | is %. (c) 11.5 Book Question

289 Ze ratio indicates the difference between the interest income and the interest expended as a Book Question
percentage of total assets. (b) NIM to total assets
290 This ratio evaluates the bank's liquidity available to its depositors. (a) Liquid assets to total depositors Book Question
291 ratio calculates the worth of the bank’s resources. (a) Asset quality Book Question

292 (a) Ratio of deposits to total liabilities = Book Question

Choose the correct formula for balance sheet ratios. Total deposits /100 x Total liabilities

293 Book Question

An asset would be classified as doubtful if it has remained in the substandard category for a period of (c) 12 months
294 This ratio evaluates the efficacy of all the employees of a bank in its generating business. (b) Business per employee Book Question

295 A non-performing asset (NPA) is a loan or an advance where interest and/ or installment of the Book Question
principal remain overdue for a period of more than days. (a) 60
296 Management efficiency ratios include (c) Both (a) and (b) Book Question
297 For supervisory purposes, the capital can be split into categories. (b) 3 Book Question

298 Book Question

The assets to be classified as substandard are those which have remained NPA for a period of: (c) Less than or equal to 12 months
299 Book Question
The assets to be classified as doubtful are those which have remained substandard for a period of: (d) 12 months

(b) When there is no chance of

300 recovery and the amount is not Book Question
The assets are to be classified as loss asset: written off
301 An account is to be treated as NPA when the interest charged is not serviced for: (d) 90 days Book Question
302 Book Question
For treating an account as NPA, period for the interest charged is not serviced is counted from: (b) The end of the quarter
303 The income in the NPA accounts is to be taken to the credit of the P&L account: (b) Only when it is actually received Book Question
304 (a) Provisions made for substandard Book Question
For arriving at net NPA which provisions are not to be considered: assets
305 Provisions for the loss assets are to be made at the rate of: (d) 125% Book Question
306 For the doubtful assets, for the unsecured portion, the provision is to be made at the rate of : (d) 100% Book Question
307 (c) Asa part of Tier II capital up to Book Question
Floating provisions made by the banks can be used for: specified limits
308 Which one of the following is the fund-based limit? (c) Interest free equity loan Book Question
309 Which of the committees was constituted to review the credit delivery system? (b) S.L. Kapoor Committee Book Question

310 An agreement between 2 or more lending institutions to provide credit facility to a borrower using Book Question
common documentation is: (a) Loan syndication
311 As per the Nayak Committee, banks should provide minimum finance equal to: (c) 20% of projected annual turnover Book Question
312 Prime lending/base lending rate is fixed by: (c) Individual banks Book Question
313 In which document, stamp duty will not differ from state to state: (a) Demand promissory note Book Question

314 (d) Both possession and ownership will Book Question

X was sanctioned cash credit facility against hypothecation of goods. These goods are: be with the borrower
315 Cash credit facility is to be treated as: (a) Working capital facility Book Question
316 (c) Bank has these assets as security to Book Question
If the borrower provides the bank with the charge on fixed Assets: its credit facility to the borrower

317 (b) The bank shall recover the amount Book Question
with interest from the borrower who
If the bill discounted by the banks returns unpaid, what can bank do: NOTES had submitted the bill for discount
318 Non-fund-based facilities are shown as: (c) Contingent liabilities Book Question
319 The liability of the bank in case of performance and financial bank guarantee is: (b) Secondary Book Question

320 (a) As soon as the claim is filed by the Book Question

Ifthe beneficiary invokes the guarantee, the bank is required to pay: beneficiary
321 The contingent liabilities are shown: (c) As footnotes to the balance sheet Book Question

322 (a) Expenses not provided, liability on Book Question

account of letter of credit, letter of
The contingent liabilities are: guarantee, provisions not made, ete.
323 Which of the following is not a non-fund-based facility? (c) Billofexchange Book Question
324 Guarantees are classified as: (b) Current liability Book Question

(b) A contract to perform the promise,

325 or discharge the liability of a third Book Question
Section 126 of the Contract Act defines contract of guarantee as: person in case of his
326 A deferred payment guarantee means: (b) Financial guarantee Book Question

327 (b) Undertaking by opening bank to Book Question

A letter of credit is: honor bills drawn by beneficiary
328 Which one of these is not in priority sector finance? (d) Corporate sector Book Question

329 If current assets are $16 crore and current liabilities are 2.40 crore, permissible bank finance under Book Question
Tandon Committee method II will be: (a) $9.60 crore
330 For working capital assessment over €5 crore, bank has to calculate by using: (a) MPBF method Book Question
331 Under priority sector, housing loan limit for individuals in metros is: (c) %25 lakh Book Question
332 Under priority sector, education loan — domestic, can be sanctioned upto: (b) %10 lakh Book Question
333 Interest rates and margins in weaker section loans is to be decided by: (c) RBI Book Question
334 The domestic banks can fulfil the shortfall in priority sector targets by: (c) Depositing in bonds of NABARD Book Question
335 (b) Fulfil government/RBI policy Book Question
Banks are concentrating on retail financing to: requirements
336 The pillars of ALM mechanism include (d) All of the above Book Question

337 (b) Identification, planning, Book Question

ALM framework focuses on the strategizing and management of risk
338 Interest rate risk (IRR) refers to potential impact on (d) All of the above Book Question

The risk that a bank may suffer losses due to unfavorable movement of exchange rate during a
339 period in which it has an open position, either spot or forward or a combination of the two, in an Book Question
individual foreign currency is called risk (b) Foreign exchange
340 is a technique that provides banks with protection that makes such risk acceptable. (a) Asset liability management Book Question

341 The purchasing power parity relationship says that the exchange rate is the best and unbiased Book Question
predictor of future spot rates under risk neutrality. (b) Forward
342 is used for measurement of forex risk exposure. (a) Interest rate sensitivity Book Question
343 is the most efficient technique of FTP in ALM. (a) Matched funds pricing (MFP) Book Question
344 The risk that the interest rate of different assets, liabilities and off-balance sheet items may change Book Question
in different magnitude is termed as risk. (c) Basis risk
345 Committee is responsible for deciding the source and mix of liabilities or sale of assets. (b) Asset liability management Book Question

346 Effective management helps ensure a bank's ability to meet its obligations as they fall due and Book Question
reduces the probability of an adverse situation developing. (a) Asset liability
347 The risk of banks arises from funding of long-term assets by short-term liabilities, thereby making Book Question
the liabilities subject to rollover or refinancing risk. (c) Liquidity
348 The risk arising due to crystallization of contingent liabilities and unable to undertake profitable Book Question
business opportunities when desirable (c) Call risk

ratio measures loans including mandatory cash reserves and statutory liquidity investments are (b) (Loans + mandatory SLR +
349 least liquid and hence a high ratio signifies the degree of ‘illiquidity’ embedded in the balance mandatory CRR + fixed assets/Total Book Question
sheet. assets)
350 Call money borrowing limit should not exceed 25% of its funds. (b) Capital Book Question
351 ratio measures the extent to which assets are funded through a stable deposit base. (a) Core deposits to Total deposits Book Question
352 defines the level of liquidity risk that the bank is willing to assume, and should reflect the bank’s Book Question
financial condition and funding capacity. (b) Risk tolerance

353 risk involves the need to compensate for non-receipt of expected inflows of funds, ie. performing Book Question
assets turning into non-performing assets. (a) Time
354 For measuring and managing net funding requirements, the format prescribed by the RBI is (b) Statement of structural liquidity Book Question

355 A bank should conduct on a regular basis for a variety of short-term and protracted bank specific Book Question
and market wide stress scenarios. (b) Stress tests
356 (a) A general manager, deputy general Book Question
The treasury is headed by manager and vice-president
357 Minimum marketable investment is (c) %5 crores Book Question
358 PD business undertaken by the bank includes: (d) All of the abov Book Question
359 A contract can be confirmed prior to the sale. (c) Both (a) and (b) Book Question
360 Banks may sell a government security already contracted for purchase, provided: (c) Both (a) and (b) Book Question

361 When did the Reserve Bank introduced the system of primary dealers (PDs) in the government Book Question
securities market, (c) 1995

362 (b) Separate Trading of Registered Book Question

STRIPS stands for Interest and Principal Securities
363 Investment portfolio of the banks of a bank categorizes their investment into: (d) All the above Book Question

(b) The security is physically held at a

364 different centre and the bank is in a Book Question
Bank receipt may not be issued for ready transactions only, under the following circumstances: position to physically
365 is the reverse process of stripping. (a) Reconstitution Book Question
366 Capital adequacy requirement is: (c) 9% Book Question
367 Capital adequacy is to be in relation to: (d) Risk-weighted assets Book Question

368 Book Question

Capital adequacy is required for: (d) For good creditworthiness in market
369 Capital adequacy is decided by: (b) The Reserve Bank of India Book Question
370 For capital adequacy, the RBI has permitted how many tiers of capital? (d) Tire I and Tier I Book Question

371 (c) Possibility of Borrowers’ default in Book Question

Credit risk in banking is when: fulfilling their obligations

(a) The loss to the bank which may

372 happen due to change in market Book Question
The market risk results due to: variables
373 Book Question
The interest risk is from: (d) Expected changes in interest rates
374 Which is not an element of TierI Capital? (c) Undisclosed reserves Book Question
375 (d) Perpetual non-cumulative Book Question
Which is not an element of Tier II capital? preference shares (PNCPS)
(c) After the period beyond which the
376 long-term funds are required by the Book Question
The bank will resort to take-out finance: bank
377 In factoring which asset can be factored? (c) Receivables Book Question

378 Book Question

Factoring can help in: (a) Selling/handing over the receivables
379 In India, factoring is done : (b) Without recourse Book Question
380 Securitization is: (c) Loans are sold in finance market Book Question
381 Securitization helps in: (a) Providing liquidity support Book Question

(a) Highly profitable business for

382 banking (b) It is a charitable business Book Question
Retail finance is: for banks
383 (d) Providing Indian alternative to Book Question
Rupee card issued recently is in place of or for: Master/Visa cards
384 Securitization can be used for: (b) All type of loan assets Book Question
385 Economists feel that India is expected to show economic growth more than: (d) China Book Question

__________controls and administers commercial banks, non-banking finance

386 companies (NBFCs), development finance institutions, urban co-operative banks and primary
dealers. Board for Financial Supervision Exam Question

387 __________defines the level of liquidity risk that the bank is willing to assume, and should reflect
the bank’s financial condition and funding capacity. Risk tolerance Exam Question

388
__________indicates a bank’s assertiveness in lending eventually resulting in better profitability. Total Advances to Total Assets Ratio Exam Question

389 __________is a substitute of term loan facility and is issued in favor of suppliers for payment
spread over a period of time in connection with purchase of machinery and other fixed assets. Deferred payment guarantee Exam Question
390 __________is an undertaking by a bank to stand behind the current obligation of third party and
to carry out that obligation if the third party fails to do so. bank guarantee Exam Question

391 __________is an undertaking issued by a bank to the suppliers of goods or services to pay to him
on behalf of the buyer. Letter of credit Exam Question
392 __________is that liability which is not known as in advance and is unforeseeable Contingent Liabilities: Exam Question
393 __________is the ratio of provisioning to gross non-performing assets and indicates to what
extent a bank has kept aside funds to cover loan losses” Provision coverage ratio Exam Question
394
__________is the system of banking in which a banking organization works at more than one place Branch Banking System Exam Question
395
__________is the system of banking in which independent and isolated units perform banking business Unit Banking System Exam Question
396 __________of a commercial bank measures the activity of its business over a period of time Profit & Loss Account Exam Question

397
__________risk is the probability of default by borrower or counterparty in fulfilling their obligation Credit risk exam Question
398 __________supervises the business of RBI Central Board of Directors Exam Question

A bank issues a 6 month letter of credit on behalf of its party in India, who is planning to import
399 goods worth Rs.1,00,00,000 It charges an up-front fee of 100 basis points. What up front fee does
the bank earn? Rs.1,00,000 Exam Question
400 A deferred payment guarantee means Financial guarantee Exam Question

401 Undertaking by opening bank to honor

A letter of credit is bills drawn by beneficiary Exam Question
402 As per the Nayak Committee, banks should provide minimum finance equal to 20% of projected annual turnover Exam Question
403 Banking sector reforms undertaken in India after 1991 were based on the recommendations of the
report of Narasimham Committee report Exam Question

BIS defines __________as “the risk that the value of on-or off balance sheet positions will be
404 adversely affected by movements in equity and interest rate markets, currency exchange rates and
commodity prices.” market risk Exam Question
405 Cash credit facility is to be treated as Working capital facility Exam Question
406 Cash credit facility should be treated as Working capital facility Exam Question
407
For the purpose of loans and advances by banks, which of the following is not included in priority sector Large corporates Exam Question
408 For the purpose of priority sector financing in India a micro enterprise in manufacturing sector is
an enterprise for which the investment in plant and machinery Does not exceed Rs. 25 lakh Exam Question
409 For working capital assessment over Rs 5 crore, banks have to use MPBF method Exam Question
410 Guarantees are classified as Current liability Exam Question
411 If current assets are Rs 16 crore and current liabilities are Rs. 2.40 crore, permissible bank finance
under Tandon Committee method II will be: Rs. 9.60 crore Exam Question
The bank shall recover the amount
412 with interest from the borrower who
If the bill discounted by the banks returns unpaid, what the bank can do had submitted the bill for discount Exam Question
413 In 1955, the Imperial Bank of India was converted into a public sector bank. This public sector bank
is now known as State Bank of India Exam Question
414 In the context of banking SLR stands for Statutory Liquidity Ratio Exam Question

Corporate bonds which have been

415 rated AA or above by an eligible credit
In the context of liquidity risk management which of the following is a level 2 assets of a bank rating agency. Exam Question
Corporate bonds which have been
416 rated AA or above by an eligible credit
In the context of liquidity risk management which of the following is not a level 1 asset of a bank rating agency. Exam Question
417 In the parlance of banking the term NEFT stands for National Electronic Funds Transfer Exam Question
418 Interest rates and margins in weaker section loans is to be decided by RBI Exam Question
419 __________is the reverse process of stripping. Reconstitution Exam Question
420 Lead Bank Scheme (LBS) was introduced in india on the basis of the recommendations of Gadgil Group Exam Question
421 Line of credit is a Non fund based facility Exam Question
422 Providing information to the
Middle office of treasury department deals with management Exam Question
423 Money kept by bank with RBI or other commercial banks in current account represents Second line of Defence to bank Exam Question
424 Both possession and ownership will be
Mr. X was sanctioned cash credit facility against hypothecation of goods. These goods are: with the borrower Exam Question
425 National Bank for Agriculture and
NABARD stands for Rural Development Exam Question
426 Net Interest Margin (NIM) of the banks is dependent on Movements of interest rates Exam Question
427 Non fund based facilities are shown as: Contingent liabilities Exam Question
428
Basic Objective of nationalisation of banks in india was to Make banking services reach the masses Exam Question
429 Purchasing power parity relationship says that__________the exchange rate is the best and
unbiased predictor of future spot rates under risk neutrality. Forward Exam Question
430 Retail Banking is a system of primarily meant to serve individual consumers Exam Question

431
Retail finance is Highly profitable business for banking Exam Question
432 SEBI was established in the year 1992 Exam Question
433
Securitisation is When Loans are sold in finance market Exam Question
434 The corpus of Small Enterprises Development Fund(SEDF) is decided by RBI Exam Question
435 The definitions of the terms micro enterprises, small enterprises and medium enterprises shall be
in terms of RBI Master Circular Exam Question
436 The foreign banks can fulfil the shortfall in priority sector targets by: Depositing in bonds of SIDBI Exam Question
437 The income in the NPA accounts is to be taken to the credit of the P&L account Only when it is actually received Exam Question
438 The purchasing power parity relationship says that__________the exchange rate is the best and
unbiased predictor of future spot rates under risk neutrality. Forward Exam Question
439 The risk arising due to crystallization of contingent liabilities and unable to undertake profitable
business opportunities when desirable is known as Call risk Exam Question
440 The risk that the interest rate of different assets, liabilities and off-balance sheet items may change
in different magnitude is termed as__________risk. Basis risk Exam Question

441 The__________risk of banks arises from funding of long-term assets by short-term liabilities,
thereby making the liabilities subject to rollover or refinancing risk. Liquidity Exam Question
442 When the exchange rate changes unfavorably it gives rise to Transactional Risk Exam Question
443 Which of the best risk is not faced by banks None of these Exam Question
444 Which of the committees was constituted to review the credit delivery system in india S.L. Kapoor Committee Exam Question
445
Which of the following an element of Tier II capital General Provisions and Loss Reserves Exam Question
446 Which of the following financial intermediary offer competition to banks in fund mobilization Mutual Funds Exam Question
447 Which of the following is a co-operative bank None of these Exam Question
448 Which of the following is a foreign bank City Bank Exam Question
449 Which of the following is a public sector bank None of these Exam Question
450 Which of the following is a services offered by banks in retail banking Personal loan Exam Question
451 Which of the following is a technical of measuring interest rate risk Maturity Gap Analysis Exam Question
452 Which of the following is an element of Tier II capital of an Indian commercial bank Revaluation Reserves Exam Question
453 Which of the following is not a component of liquidity risk in banks Reinvestment risk Exam Question
454 Buying and selling of shares of various
Which of the following is not a function of commercial banks in India companies Exam Question
455 Which of the following is not a non fund based facility Bills of exchange Exam Question
456 Which of the following is not a part of interest rate risk market risk Exam Question

457
Which of the following is not an element of Tier I capital General Provisions and Loss Reserves: Exam Question
458 Which of the following is not an instrument of credit policy Foreign Exchange Rate Exam Question
459 Which of the following is the apex bank in Indian banking system RBI Exam Question
460 Which of the following is the first line of defence to a bank Cash at bank Exam Question
461 Which of the following is the most recent development in the field of retail banking Mobile Banking Exam Question
462 Which of the following item is not listed in the liability side of the balance sheet of a bank Investment Exam Question
463 Which of the following ratio evaluates bank's liquidity available to its depositors Liquid Assets to Total Deposits Exam Question
464
Which of the following ratio is not used to evaluate the management efficiency of a bank Government securities to total assets Exam Question
465 While computing MPBF under Tandon Committee method II, the minimum current ratio works out
to be 1.33:1 Exam Question
466 __________is a bank’s capacity to fund an increase in assets and meet both expected and
unexpected cash and collateral obligations at a reasonable cost. Liquidity Exam Question
467 Factoring is related to management of Receivables Exam Question

Dues related to the principal and

468 interest are not received for a period
Banks in India are required to classify an asset as NPA when of 90 days Exam Question
469 Which of the following is not an important liquidity ratio for a bank Inventory turnover ratio Exam Question

470 Targets and sub targets for banks under the priority sector are decided and revised from time to
time by RBI Exam Question
471 In the context of trading of government securities in India, SGL stands for Subsidiary General Ledger Exam Question
472 __________models enable bank to measure and examine risk and provide appropriate strategies
for their management Asset liability management Exam Question

473 __________is the facility provided by another bank/institution to the original lender after a few
years, against the original security. Take-out finance Exam Question
474 Which of the following is not true about Reserve Bank of India It regulates indian stock market Exam Question
475 The Tandon committee suggested_________methods of lending and the follow up of credit. Three Exam Question
476 __________is the regulator of insurance sector in India IRDA Exam Question
477 Which have been in substandard
In the context of indian banking, doubtful assets are those those assets category for more than 12 months Exam Question

478 Primary Agriculture Credit Societies

The term PACs stands for (PACS) Exam Question

479 __________risk can be defined as the possibility of loss to a bank caused by changes in market
variables market risk Exam Question
480 For foreign banks with 20 and above branches, priority sector targets and sub-targets have to be
achieved within a maximum period of__________years starting from April 1, 2013 5 Exam Question
481 __________of a commercial bank is the statement of its assets and liability Balance sheet Exam Question
482 Which of the following is not a service offered by banks in retail banking None of these Exam Question

483 Government Securities to Total

__________indicates the risk involved in a bank's investment Investments ratio Exam Question
484 Which of the following is not an objective of ALM framework None of these Exam Question
485 Which of the following is not a part of ALM (Asset Liability Management) organisation None of these Exam Question
486 Which of the following is not true ? Exam Question
487 The funds have to be used for the purpose of export finance as a part of working capital
requirements is called Packing credit Exam Question
488 Which of the following is not a type of Letter of Credit (LC) Deferred Payment LC Exam Question
489 Deposit Insurance and Credit
a fully owned subsidary of RBI DICGC stands for Guarantee Corporation (DICGC) Exam Question
490 VaR stands for Value at Risk Exam Question
491 What shall be the risk weightrd assets ratio based on the above data 8.5 Case Study
492 What shall be the total of capital fund in Tier I 85032 Case Study
493 What shall be the total of capital fund in Tier II 84.92 Case Study
494 What shall be the total of Risk Adjusted Assets 84920 Case Study