N.rangarajan's Model Online Test For Promotion In Banks (india)

80 Questions  I  By Rajatvk
This is an objective type test in which each question will have 4 to 5 options.The test Taker should click the most appropriate answer which will carry one mark.No negative Marks.Time allowed 60 Minutes.Best of Luck and efforts.Please take Quiz Password by e Mailing to [email protected] your full particulars like Name,Age,Place of Work/Study,Designation/Course,Phone/Mobile No and AddressOn your Name, Age,Address,Your Place of work/Study designation etc.,N RangarajanSenior Managerof a Public Sector Bank Based at Trichy(Formerly Faculty Member of their Training System)

  
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1.  What is the sales turnover limit to classify an account under Regularly Retail Portfolio under BASEL II norms?
A.
B.
C.
D.
E.
2.  What is BCBS?
A.
B.
C.
D.
E.
3.  What are the other name(s) given to Non Performing assets?
A.
B.
C.
D.
E.
4.  What is the option available for computing capital on market risks?
A.
B.
C.
D.
E.
5.  An asset which becomes NPA as soon as it is disbursed is known as
A.
B.
C.
D.
E.
6.  What is the maturity period of innovative instruments raised as Tier I capital?
A.
B.
C.
D.
E.
7.  What are the elements of Tier I Capital?
A.
B.
C.
D.
E.
8.  What is a consoliadted Bank?
A.
B.
C.
D.
E.
9.  Who is counter party in Bank credit transaction?
A.
B.
C.
D.
E.
10.  What are the various other risks not comprehensively covered under BASEL II norms?
A.
B.
C.
D.
E.
11.  What is hair cut in Basel II?
A.
B.
C.
D.
E.
12.  In the comprehensive approach, when taking collateral, banks will need to calculate their adjusted exposure to a counterparty for capital adequacy purposes in order to take account of the effects of that collateral. Banks are required to adjust both the amount of the exposure to the counterparty and the value of any collateral received in support of that counterparty to take account of possible future fluctuations in the value of either, occasioned by market movements. These are referred as ______.
A.
B.
C.
D.
E.
13.  What is PNCPS?
A.
B.
C.
D.
E.
14.  In order to ensure a smooth transition to BASEL II,Banks are adivised to have a _______ ______ and the __________ of Banks should rview the results on a __________ basis.
A.
B.
C.
D.
E.
15.  Revaluation Reserve will be considered at a _______ of __ % for inclusion in Tier II Capital
A.
B.
C.
D.
E.
16.  Banks are allowed to include the ‘General Provisions on Standard Assets', Floating Provisions ‘Provisions held for Country Exposures’, and ‘Investment Reserve Account’ in Tier 2 capital. However, these four items will be admitted as Tier 2 capital up to a maximum of ____ per cent of the total risk-weighted assets.
A.
B.
C.
D.
E.
17.  What is hybrid debt capital instrument?
A.
B.
C.
D.
E.
18.  When subordinated debt can be included in Tier II capital?
A.
B.
C.
D.
E.
19.  What is the maturity period of Subordinated debt for inclusiion in Tier II Capital?
A.
B.
C.
D.
E.
20.  What are the items to be deducted from Tier I capital?
A.
B.
C.
D.
E.
21.  What is the maturity period of innovative instruments raised as Tier I capital?
A.
B.
C.
D.
E.
22.  Innovative instrument in excess of 15% of Total Tier I capital should be treated as
A.
B.
C.
D.
E.
23.  What is the rate of interest payable on innovative instrument?
A.
B.
C.
D.
E.
24.  What are the avialable options under innovative instrument?
A.
B.
C.
D.
E.
25.  While exercisng call option , what are the conditions to be satisfied?
A.
B.
C.
D.
E.
26.  What RBI will look into when the Banks application for exercise of call option reach them for a decision?
A.
B.
C.
D.
E.
27.  What other option can be exercised by Banks at the time of Call Option?
A.
B.
C.
D.
E.
28.  When Issuing Bank need not pay interest in case of Innovative Debt Instruments?
A.
B.
C.
D.
E.
29.  Banks may still pay interest under innovative debt instruments with the prior approval of RBI when the impact of such payment may result in net loss or increase the net loss, provided the CRAR remains _____ the regulatory norm.
A.
B.
C.
D.
E.
30.  Payment of interest under innovative debt instrument on a ________ basis.
A.
B.
C.
D.
E.
31.  What is the claims of the investors in innovative instruments?
A.
B.
C.
D.
E.
32.  The total amount raised by a bank through innovative instruments shall not be reckoned as liability for calculation of net demand and time liabilities for the purpose of _______ requirements and, as such, will not attract ___ / ___ requirements.
A.
B.
C.
D.
E.
33.  A bank's investment in innovative instruments issued by other banks and Fiinancial institutions will be reckoned along with the investment in other instruments eligible for capital status while computing compliance with the overall ceiling of __ percent for cross holding of capital among banks/FIs prescribed
A.
B.
C.
D.
E.
34.  What is the amount of loan that can be granted against innovative instruments?
A.
B.
C.
D.
E.
35.  How the step up option can be exercised under innovative pepertual instruments?
A.
B.
C.
D.
E.
36.  Market Discipline is all about ----------
A.
B.
C.
D.
E.
37.  Expand SREP
A.
B.
C.
D.
E.
38.  What is ICAAP?
A.
B.
C.
D.
E.
39.  What are the four key principles in regard to the Supervisory Review Process envisaged under Pillar 2?
A.
B.
C.
D.
E.
40.  What are the various other risks not comprehensively covered under BASEL II norms?
A.
B.
C.
D.
E.
41.  Which committee recommended Income Recignition and Asset Classification norms?
A.
B.
C.
D.
E.
42.  When an asset becomes non performing?
A.
B.
C.
D.
E.
43.  What is out of order status in NPA accouints?
A.
B.
C.
D.
E.
44.  What is overdue?
A.
B.
C.
D.
E.
45.  What is the method of recognising income in advances accounts?
A.
B.
C.
D.
E.
46.  Even if there is no recovery, on what type of advances income can be recognised?
A.
B.
C.
D.
E.
47.  Where the finance charge component of finance income is defiened?
A.
B.
C.
D.
E.
48.  If interest is debited to NPA account,where it should be parked?
A.
B.
C.
D.
E.
49.  What are the items to be deducted from Gross NPAs to arrive at Net NPAs?
A.
B.
C.
D.
E.
50.  While deducting provisions from Gross NPAs what are the items to be excluded?
A.
B.
C.
D.
E.
51.  What is NBV?
A.
B.
C.
D.
E.
52.  What is RERFA?
A.
B.
C.
D.
E.
53.  What is the provisionig to be made for Country Risk?
A.
B.
C.
D.
E.
54.  Who classifies the country risk of individual countries?
A.
B.
C.
D.
E.
55.  When a NPA can be sold by Bank to a Securitisation Company (SC)/ Reconstruction Company (RC)?
A.
B.
C.
D.
E.
56.  On What basis,Banks can sell NPAs to another Bank?
A.
B.
C.
D.
E.
57.  When the NPA buying Bank can once again sell it to another Bank?
A.
B.
C.
D.
E.
58.  The difference in assessment in the value of securities among Bank,Borrower,Auditor and Valuer is known as
A.
B.
C.
D.
E.
59.  Stock Audit of NPAs with a balance of Rs 5 crore and should be conducted at _________ intervals
A.
B.
C.
D.
E.
60.  Colllateral immovable property should be got valued once in ___________ years
A.
B.
C.
D.
E.
61.  The institiutions have also a right of ____________ of their debt into equity,when they are participating in the restructure exercise. What is this right?
A.
B.
C.
D.
E.
62.  The creditors( participating in restructuring) right to claim their sacrifce at later date when the company turns around, is known as
A.
B.
C.
D.
E.
63.  What is the arrangement under which the institution/the bank financing infrastructure projects will have an arrangement with any financial institution for transferring to the latter the outstanding in respect of such financing in their books on a predetermined basis?
A.
B.
C.
D.
E.
64.  What is the provision of D2 asset?
A.
B.
C.
D.
E.
65.  What is the provison on Standard residential housing loans beyond Rs. 20 lakh?
A.
B.
C.
D.
E.
66.  The Income Recognition Asset Classification Provisioning and Capital Adequacyy norms replced the earlier -----------------
A.
B.
C.
D.
E.
67.  Even if there is no recovery, on what type of advances income can be recognised?
A.
B.
C.
D.
E.
68.  For the purpose of asset classification,the accounts are to be tackled
A.
B.
C.
D.
E.
69.  For the advances under Consortium Arrangements, how will you arrive at the NPA status?
A.
B.
C.
D.
E.
70.  When erosion in the value of security can be reckoned as significant to classify such account straightaway as "Doubtful"?
A.
B.
C.
D.
E.
71.  When the assets are to be classified as Loss Assets straightaway?
A.
B.
C.
D.
E.
72.  What type of adavnces need not be traeted as NPA at all?
A.
B.
C.
D.
E.
73.  Which type of advances should be treated as NPA in spite of adequate margin is available in these accounts?
A.
B.
C.
D.
E.
74.  An account is given holiday period for servicing of interest.When this account will become NPA?
A.
B.
C.
D.
E.
75.  What is the present delinquency norm for identifying an advance as NPA?
A.
B.
C.
D.
E.
76.  When the credit facilities granted under the guarantee of Central Government will be treated as NPA?
A.
B.
C.
D.
E.
77.  What are the stages,at which the restructuring/rescheduling/renegotiation of the terms of loan agreement could take place?
A.
B.
C.
D.
E.
78.  What is intagible collateral security?
A.
B.
C.
D.
E.
79.  Banks can not reschedule /restructure /renegotiate borrowal accounts with _______________ effect
A.
B.
C.
D.
E.
80.  Any funding of interest in respect of NPAs, if recognised as income, should be fully ___________ for.
A.
B.
C.
D.
E.
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