Banking Awareness Online Bits for Bank Exams -4

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1) Which of the following is an income for a bank?

i) Profit on revaluation of investments

        ii) Depreciation on bank's property

iii) Interest on inter bank borrowings

iv) Provisions made on account of write-offs

2) Which of the following factors is not required to be considered to analyze the repayment capacity of a borrower?

i) Working capital management

ii) Personal educational qualifications

iii) Financial leverage

iv) Interest rate risk management

3) From the Following statements Which is the most important challenge before the commercial bank?

i) Maintenance of foreign currency

ii) Evaluating the need of the customers

iii) Maintenance of SLR and CRR

iv) Meet the technological revolution

4) The asset's side of balance sheet consists of ?

i) Cash balances with other banks

ii) Fixed deposits of customers

iii) Savings deposits

iv) Recurring deposits

5) From the following statements Which statements are true?

i All term deposits are interest bearing deposits

iiCheques can be issued on short-term deposits

iii.Term deposits are non-transaction deposits

i only

ii only

iii only

i and iii

6) The interest on recurring deposit is paid on the basis of ? 

i) Simple interest calculated monthly basis 

ii) Simple interest on monthly products basis

iii) Quarterly compounding

iv) Interest calculated on daily products basis

7) Which of the following is a facilitating service of core loan products of retail banking services?

i) Current or savings accounts 

ii) Legal services for documentation

iii) Delivery of loan at promised time period

iv) Flexibility in prepayment of loan

8) The credit policy laid down by the top management of a bank does not deal with? 

i) Credit risk management

ii) Pricing of the credit products

iii) Appraisal of time and demand deposits

iv) Documentation standards.

9) Which of the following is an most important advantage of retail banking on the resource side?

i) Consumer loans are low risk products

ii) Innovative product development and disbursal

iii) Increases the subsidiary business of a bank

iv) Requires less efforts to market retail loan products

10) Saving Bank Account can be opened in the name of ?

i) State text book printing corporations

ii) District level housing cooperative societies

iii) Communist Party of India

iv) Aravind Samuel, Anurag Deepak and Amarish Sugandhi Jointly