Explore key aspects of banking regulations with the 'Banking Awareness MCQ Test!' Focusing on Basel II accords, credit, and market risks, and RBI guidelines, this quiz enhances your understanding of essential banking compliance and operational standards.
True
False
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True
False
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True
False
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True
False
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Marginal
Matching
Manageable
Mutual
Management
None
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SRMS
SJSRY
MGNREP
NRLM
None
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True
False
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According to no. of account holder in a particular account
1 nominee in single name deposit & so on subject to maximum 3
No nomination facility available
Nomination facility available in the name of spouse only
Only 1 nominee irrespective of the no of account holders in a particular account
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Correct
Incorrect
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True
False
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10000
25000
50000
75000
100000
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40, RBI
40, MSMED
40, Banking Regulation
40, IBA
None
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True
False
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2006
2007
2008
2009
2010
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5% of acceptable projected turn over
25 % of acceptable projected turnover
25 % of Working Capital Gap
5 % of acceptable projected turnover or Net Working Capital , whichever is higher
25 % of working capital gap or NWC, whichever is higher
None
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Current Ratio under 1st method of lending of Tandon Committee is 1.33:1
Current Ratio under 2nd. method of lending of Tandon Committee is 1.79:1
Current Ratio of 3rd. Method of Lending of Tandon Committee is 1.25 :1
Current Ratio of 2nd. Method of Lending of Tandon Committee is 1.33:1
1st. +2nd. +3rd. options
All options
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15
30
45
60
90
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Original investment in plant & machinery for Micro Service Enterprise is max. 10 lacs
Original Investment in Plant & Machinery for Small Service Enterprise is above 10 lac to 5 crore
Original Investment in plant & Machinery for Micro Mfg. Enterprise is max. 25 lac
Original Investment in plant & machinery for small mfg. enterprise is above 25 lac to 2 crore
All are relevant
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Money Receipt
DP Note
Acknowledgement of Liability
Usance Promissory Note
Agreement of Indemnity
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Inside Liability
Outside Liability & Time Liability
Outside Liability & Demand Liability
Inside Liability & Demand Liability
Inside liability & Time Liability
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Residual Period of Maturity
Lapsed Period of Maturity
Duration Gap Analysis
Beta
None
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Letter of Disclaimer
Letter of Waiver
Letter of Comfort
Letter of Pegging
In no case it can be a part of Net worth.
True
False
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2 crores
3 crores
4 crore
5 crore
None
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50
60
70
80
None
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25 lakhs to 30 lakhs
25 lakhs to 40 lakhs
25 lakhs 50 lakhs
25 lakhs to 60 lakhs
25 lakhs to 100 lakh
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5 crore per borrower from `1 crore
2 crore per borrower from 1 crpre
4 crore per borrower from 1 crore
3 crore per borrower from 1 crore
No increase, remains 1 crore per borrower
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14 day
91 day
182 day
364 day
All are auctioned
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Credit Risk Estimate
Commercial Real Estate
Capital Review & Estimate
Credit Rating Entity
None
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K.R.Kamath Committee on growth of SME Credit
R. Gandhi Committee on G-Sec & Interest Rate Derivatives Market
K.K. Vhora Committee on studying feasibility of introducing long term fixed interest rate loan product
G. Padmanabhan Committee on services / facilities to exporters
None is incorrect
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Credit information on Borrowers
Update & revise Banking Ombudsman Scheme 2006
Customer Service with special reference to uniformity & transparent pricing policy for customers home branch & non-home branch under CBS platform
To review the existing prudential guidelines for restructuring of advances by banks / FIs
None
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100
150
200
250
300
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Shri Raghuram Rajan Committee for financial sector reforms 2008
Smt. Suma Verma Committee on review & updation of Banking Ombudsman Scheme 2008
Dr. Prakash Bakshi Committee for in-depth analysis of Short Term Co-operative Credit Structure(STCCS) for strengthening the rural co-operative credit archistructure
Aditya Puri Committee on accurate & timely availability of credit information
None is incorrect.
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Available For Sales (AFS)
Held For Trading (HFT)
Held To Maturity (HTM)
A+c
A+b+c
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Excess comprises of SLR securities
Total SLR securities held in HTM category has been aligned to current SLR requirement
Total SLR securities held in HTM category is not more than 23 % (present SLR) of bank's DTL
This is based on the recommendation of the committee headed by Shri R. GandhiGovernment Securities (g-secs) and Interest Rate Derivatives Markets (Chairman: Shri R. Gandhi on G-Sec & Interest rate derivatives market.
None is incorrect.
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