2534957
Pregunta 1
Pregunta
Bank reconciliation statement is prepared with the help of
Respuesta
-
bank pass book and cash column of cash book
-
bank pass book and bank column of cash book
-
bank pass book and petty cash book
-
bank pass only
-
all of the above
Pregunta 2
Pregunta
EEFC account can be opened in the form of
Respuesta
-
current account, SB account and TDR
-
Current account and SB account
-
Current account only
-
Current account and TDR
-
None of these
Pregunta 3
Pregunta
Bank may prefer to invest in corporate bonds because
Respuesta
-
a bond is more liquid asset
-
a bond has an easy exit
-
a bond can be sold at discount
-
all of the above
-
None of these
Pregunta 4
Pregunta
Which of following statements is/ are true regarding a Deferred Payment Guarantee (DPG)
Respuesta
-
it is a type of guarantee where no cash payment is involved
-
it is a type of guarantee which is given for the purchase of immovable property.
-
it is a type of guarantee where payment would have to be made in instalments guaranteed.
-
All of the above
-
None of these
Pregunta 5
Pregunta
Truncation of cheques means
Respuesta
-
The cheques in the paper form will be retained by the collecting banker nad he will submit only computerised image to the clearing house
-
Cheques will be scanned and the electronic image, instead of physical cheque, will be transmitted in the clearing cycle
-
The entire clearing operations would be done only through computers
-
Debting the drawer's account through internet banking
-
None of these
Pregunta 6
Pregunta
Not Negotiable crossing refers to
Respuesta
-
The cheque cannot be negotiated
-
The collecting bank should sarisfy itself as to the title of the holder before collecting the cheque
-
The cheque cannot be collected as the protection under section 131 of the Negotiable Instruments Act,1881 is not available in such cases
-
The transferee shall not have and shall not be capable of giving a better title to the cheque than that of the transferor.
-
None of these
Pregunta 7
Pregunta
The cheque in which the signature of the drawer of the cheque is not genuine is called
Respuesta
-
post-dated cheque
-
Forged cheque
-
stale cheque
-
All of the above
-
None of these
Pregunta 8
Pregunta
Deposites under NRE/FCNR accounts are linked to
Respuesta
-
Base Rate
-
SIBOR
-
Bank Rate
-
LIBOR
-
MIBID
Pregunta 9
Pregunta
What stage of opening a Bank account is the checking of politically Exposed Persons (PEP) carried out
Respuesta
-
At the first point of customer interaction
-
At the Account services level
-
At the central account services level
-
One month after the account is opened
-
At the time of first transaction
Pregunta 10
Pregunta
India has different categories of commercial banks. which of the following is NOT one such category
Respuesta
-
Private bank
-
commodity bank
-
Foreign Bank
-
Co-operative Banks
-
None of these
Pregunta 11
Pregunta
Bankers reduce lending risk by
Respuesta
-
Ensuring that there will be no default on account of lack of liquidity and lack of willingness to pay on the part of the borrower
-
Ensuring that there will be no problem of liquidity with the borrower
-
Obtaining adequate security
-
all of the above
-
None of these
Pregunta 12
Pregunta
Which among the following terms describe 'universal banking'
Respuesta
-
Branches of a bank in all geographical territories of its country
-
A bank providing services in all geographical territories of its country
-
A bank providing combination of commercial banking and investment banking
-
all of these
-
None of these
Pregunta 13
Pregunta
Which of the following is/are the example(s) of product diversification of bank
Respuesta
-
Credit card
-
International credit card
-
Debit card
-
all of the above
-
None of these
Pregunta 14
Pregunta
Which of the following categories of risk is/ are taken care of by RTGS
Respuesta
-
Systemic Risk and Credit Risk
-
Market Risk
-
Settlement Risk and Systemic Risk
-
systemic risk nad legal risk
-
None of These
Pregunta 15
Pregunta
If bank wants to introduce a new deposit scheme, the same is now approved by
Respuesta
-
RBI
-
Union Government
-
The board of the bank
-
both 'a and c'
-
None of these
Pregunta 16
Pregunta
what is the full form of the term LIBOR as used in financial banking sector?
Respuesta
-
London Inter-Bank Offered Rate
-
Liberal International Bank Official Ratio
-
London India Bureau of Regulations
-
Local India Bank Offered Rate
-
None of these
Pregunta 17
Pregunta
Which of the following loan products are 'teaser loans' offered by banks
Respuesta
-
Education loans
-
Commercial loans
-
Gold loans
-
Retail trade loans
-
Home loans
Pregunta 18
Pregunta
which of the following is a foreign bank having branches in india
Respuesta
-
HDFC bank
-
icici bank
-
yes bank
-
standard chartered bank
-
syndicate bank
Pregunta 19
Pregunta
which of the following statement is true about bank
Respuesta
-
bank cannot accept demand and time deposit from public
-
bank can accept only demand deposit from public
-
banks can accept only time deposit from public
-
banks can accept both demand and time deposit from public
-
banks can accept demand and time deposit from Government only
Pregunta 20
Pregunta
interest rate payable on saving bank account is
Respuesta
-
regulated by RBI
-
regulated by State Government
-
not regulated by RBI
-
regulated by Finance Ministry
Pregunta 21
Pregunta
Accounts are allowed to operated by Cheques in respect of
Respuesta
-
Both Saving Accounts and Fixed Deposit accounts
-
Saving Account and Current Accounts
-
Both saving and Loan Accounts
-
Both savings bank accounts and cash accounts only
-
Both current account and fixed deposit accounts
Pregunta 22
Pregunta
The usual deposit accounts of banks are
Respuesta
-
Current Accounts, Insurance Premium Accounts and Electricity Accounts
-
Current Accounts, Post Office Savings accounts and Term deposit accounts
-
Loan accounts, Term deposit accounts and Saving accounts
-
Term Deposit accounts, Current accounts and Saving account
-
Current bill accounts and term deposit account
Pregunta 23
Pregunta
when a bank returns a cheque unpaid, it is called
Respuesta
-
payment of cheque
-
Dishonor of cheque
-
cancelling of cheque
-
Drawing of cheque
-
None of these
Pregunta 24
Pregunta
Which of the following term is used in the field of banking and finance
Respuesta
-
Investment
-
Genetics
-
Resistance
-
Metabolic Reaction
-
None of These
Pregunta 25
Pregunta
The Public Sector Banks are banks where a majority state is held by the Government. Which of the following banks is the second largest Public Sector Banks among the 236 PSBs in India in terms of Profit
Respuesta
-
Bank of India
-
Punjab National Bank
-
Bank of Baroda
-
Central Bank of India
-
Canara Bank
Pregunta 26
Pregunta
Consider the following statements with respect to IFSC code used in Banking System.
A) IFSC stands for Indian Financial System Code
B) It is an 11 digit alphanumeric Unique Code
C) IFSC is used in the NEFT system to route the messages to the destination banks/branches.
Respuesta
-
Only A
-
Only B
-
Only C
-
All A, B, and C
Pregunta 27
Pregunta
Consider the following with respect to the term 'Core Inflation'.
A) Core Inflation is the inflation rate of a particular basket of commodities
B) Core Inflation is the sudden increase in prices of certain items of food grains
C) Core Inflation is caused by supply shock in certain esential commodities
Respuesta
-
Only A
-
Only B
-
Only C
-
Only A and B
-
None of these
Pregunta 28
Pregunta
What are 'Open Market Operations'.
Respuesta
-
Activities of SEBI-registerd brokers
-
Selling of currency by the RBI
-
Selling of gilt-edged securities by the governmet
-
Sale of share by FIIs
-
None of these
Pregunta 29
Pregunta
Certificate of Deposits have a minimum value of
Respuesta
-
Rs. 1 lakh
-
Rs. 10 lakh
-
Rs. 25 lakh
-
Rs. 50 lakh
-
Rs. 1 core
Pregunta 30
Pregunta
Which among the following does not decided by the RBI
Respuesta
-
CAR
-
CRR
-
Base Rate
-
Bank Rate
-
Repo Rate
Pregunta 31
Pregunta
An increase in Cash Reserve Ratio (CRR)by Reserve Bank of India leads to
Respuesta
-
Decrease in Deposit
-
Increase in Deposit
-
Decrease in lendable resources
-
Increase in lendable resources
-
None of these
Pregunta 32
Pregunta
What is meant by development oriented banking
Respuesta
-
Infrastructure Financing
-
Taking up task of development of the economy by providing support to under privileged sections of the society
-
Extending loans to states which are underdeveloped
-
All of the above
-
None of these
Pregunta 33
Pregunta
What is the principal function of SIDBI
Respuesta
-
Finance of SSI
-
Promote of SSI
-
Development of SSI
-
All of the above
-
None of these
Pregunta 34
Pregunta
Which of the folowing is provided by the Reserve Bank of India for meeting day to day receipt and expenditure mismatch to both central and state Governments
Respuesta
-
Treasury Bills
-
Date and securities
-
ways and means advance
-
all of the above
-
None of these
Pregunta 35
Pregunta
Which of the following is classified as Public Sector Banks
Respuesta
-
ICICI Bank
-
Yes Bank
-
IDBI Bank
-
Local area Banks
-
None of these
Pregunta 36
Pregunta
Reserve Bank of India known as lender of last resort because
Respuesta
-
It has to meet the credit need of citizens to whom no one els is willing to lend
-
It comes to help bank in times of crisis
-
Banks lend to go to RBI as a last resort
-
All of the above
-
None of these
Pregunta 37
Pregunta
The availability of cash and other cash like marketable instruments that are useful in purchases and investments are commonly known as
Respuesta
-
Cash crunch
-
Credit
-
Liquidity
-
Marketability
-
None of these
Pregunta 38
Pregunta
The banker-customer relationship in credit card payment is
Respuesta
-
Agent-Principal
-
principal-agent
-
Creditor-Debtor
-
Debtor-Creditor
-
None of these
Pregunta 39
Pregunta
which of the following committee is set up for giving clear definitions to FDI and FII with an aim to remove ambiguity over the two types of Foreign Investments.
Respuesta
-
Gopinath Committee
-
Arvind Mayaram Committee
-
Subir Gokran Committee
-
Sushma Nath Committee
Pregunta 40
Pregunta
Loans of very small amount given to low income group is called
Respuesta
-
cash credit
-
No Frill credit
-
Rural Credit
-
Micro Credit
-
Simple Overdraft
¿Quieres crear tus propios Tests gratis con GoConqr? Más información.