Banking Awareness Online Bits for Bank Exams -3

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1) The disadvantage associated with leasing company is?

i) Low costs

ii) Flexibility in payments

iii) Eliminates the risk of obsolescence

iv) High competitions because of entry to all financial institutions

2) Which of the following theory is associated with the financial system in the economic growth?

i) Retributive theory

ii) Reformative theory

iii) Financial repression theory

iv) Jurisdictional theory

3) From the following statements which is not a function of a commercial bank?

i) Registration of charges and mortgages 

ii) Transactions services

iii) Asset transaction

iv) Real-time Gross Settlement

4) From the following statements which is not a financial intermediary in the financial markets?

i) Pension funds

ii) Credit unions

iii) Life insurance companies

iv) Small scale service institute.

5) Which of the following is one of the three pillars of new Basel Capital Award?

i) Market competitions

ii) Market rapport

iii) Market discipline

iv) International market relations

6) The interest in savings bank accounts of a bank is calculated on? 

i) Minimum amount of balance that is maintained in the account in between 10th and the last day of month

ii) Maximum amount of balance that is maintained in the account in between 10th and the last of month

iii) Minimum amount of balance that is maintained in the account in between 1st and the last day of month 

iv) Maximum amount of balance that is maintained in the account in between 1st and the last of month

7) The credit policy of a bank does not deal with?

i) Credit risk management

ii) Documentation standards

iii) Review and renewal of advances

iv) Outstanding balances in deposit accounts

8) From the following statement which is not the function of commercial banks?

i) Providing transaction services

ii) Inter mediation in financial services

iii) Providing transformation services

iv) Regulating the issue of bank notes.

9) Issuing credit cards is a component of ? 

i) Corporate banking

ii) Rural banking

iii) Retail banking

iv) Micro finance

10) The origin of bank instruments can be traced to?

i) The priests and worship places of public deposits

ii) Goldsmith receipts

iii) Bonds issued by the British Government in India

iv) Bank notes issued by Bank of Venice