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    Untitled

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    ABHIJIT SHAW

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    © All Rights Reserved
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    of 29
    jective / Qualitative Credit Control Methods: U ‘Underssel ay reait i provided to selected borrowers for select d pur} fe use to which the control tries to regulate ithe ‘quality ¢ towards the credit flows. The Selective Controls: are- 4, Ceiling on Credit: The Ceiling on level of credit ristricts the le © abank to grant advances against certain controlled 2. Margin Requirements: A loan is sanctioned euainet es _7 means that proportion of the value of Security ag Margin againsta particulanse or to discourage the flow of credit to a particular sect 80%. For agricultural commodities it is as high as 75' will be the loan sanctioned. alistLovyra@s . Discriminatory Interest Rate (DIR): Through DIR, RBI makes credit row certain priority or weaker arging concessio} RBI issues supplementary. instructions regarding gran e against sensitive commodities, issue of guarantees, making ivances ete Cs , Directives: The RBI issues directives to banks regarding advances. Di are peregardine the purpose for which as may or may not be given.’ refusal by RBI tor. to comply with th ave 3 se Moral Suasion: Under, Moral Suasion, general or advances. af e “regulate which of the following? (A) Inflation (©) Borrowing powers ofthe banks... (E) None of the above: syria yiayy 2. Ineconomics, itis generally believed: company like banicisto: © (A) Employ more and Be eo fits — en 3: Whatis meant by Repo rate? 6 Ae sialaaanii (A) Whena ai i need of cashit can it can discount bills of exchan, facilities from Reserve Bank of India, : ay (8) Whenabankhas excess cash, they buy securities from RBI against cash o that they resell the securities to RBI on a pre fixed day and price (©), Its rate at which, RBI allows temporary loan facilities to, commercia) nj | against government securities onthe condition that the bank will repurch th Mod? 2 SMR PoR AD aI i le and g ge and aval, hy N the cong Securities within a short “(0)'"tisarate whichis orferedby banks totheir most valued custome (E) Noneofthese CHE Ieroasycl? Me tomo “4. The'ratio othe cash reserve’ that ehe baie are required to ke; WiEWRBL IS kro, ass Siena once “aot on ba ibier ranillcarte fea Soetbash seen: | Lic OE Reetrigir de-eh (B); Statutory liquidityratioz (eda (©) CashReserve Ration inv te -_ (D) Net demanti and timelltabilitl ERO Myer i Tis ipee Hote in India? ae ae SS" Who signs ong (A) RBI Governor (8) RBIDeputy Governor | (© Finance Secretary (©) Prime Minister 7 | Tance Secretary Under Section 29 of the Reserve B: ight to is : RBI as sole right | iy ete ate Signature of Gove Peas the signatures of Feces Secretary, while other notes bear the 6 A Canaan nePFessfor banknotes in india was estabnshea se. pees (A) Calcutta. (B)- Surat (© Nasik Currency Note Press (c (0) Aurangabad 141928, ewas'th NP), Nasik Maharashtra was establishedin ing pr for bank notes in india: TRE US? a Pa 7, RBI provides Ways and Means Advances (WMA) to_; (A) Central Government (B) State Government (©) Both (D) None State Government Whenever there is payments of the State Governments, R a temporary mismatch in the cash flow of the recep ang 5! provides them Ways and Means Advances (WMA), This | comes under debt management works of RBI, 8. Which of the following is nota function (A) To assume the resp ‘eion en fF accommodation . sia (8) Hovholicatn eecemen of the commerci f accommodation to them b ime responsibility of (©) Toassume pone (D) To assume the responsib / power of Reserve Bank of India? onsibility of meeting directly or indirectly all reasciiable demans ial banks and make available financal ibanking operations, Of She gayeCAMeNtie ny) a of statistical apelysis of ata, Baas toma ry onomy of Ih Bt 21 iy os TF he tan wh oe ig ane oe ‘the responsibil ity of statistical analysis of data related to mR 7 India Statistical analysis of data related to macro economy of India is a functi of data rel a | __ statistical organization and not of RBI j g, What will be the Impact on the cash sale of securities ? (A) Increase ® Decieate atone (C) Remain constant oa) Increase’ deiease! 7 aris ids! 10. Which among the following statement gives the most corr ct definition of 12 Lender of Last Resort”? Teserves of, commersial! Ee if RBI conducts 4 ti (A) Ifa person or firm which is eligible to get a loan, does not gett from any Sefer bank, may approach to Reserve Bank of India forloan 7 (B) Ifthe state governments. are oan Stisisand RBI for this purpose (© If a commercial:bank is! in:crisis, it ma accommodation to Reserve Bank of India. (D) Whenever the government declares debtrelief the RBI will haveto ear vieeurtio Uh \fa commercial bank is in crisis, it may place its reasonable demand for accommodation to Reserve Bank of India The banks can borrow from the RBI by keeping eligible securities as collateral of am! other arrangement and at the time of need or crisis, they approach RBI fanfinanclal ae works as Lender of the Last Resort (LORL) for banks: 3 11, RBI takes certain steps to curb the menace of Inflation. In this context, ) © (D) Federation Commission (E) None of these 32. ‘CAMELS’ is a type of Bank Rating System. In CAMELS, what does ‘C’ stand for) © (A) Currency: s=: (B) Compensation» (C) Glia desiac (D) Capitalisation (B) None of these’ “0! Seeman o CAMELSisa type of Bank Rating System (C) stands for Capital Adequacy, ia rAd Management, (E) for Earnings) (L) for Liquidity and (S) for Sensitivity to Market Risk. _33, In india, which among the following is/are a part of Legal Tender Money? » (A): Both coins and currency notes’*!*"(B) 'Botli éoinsand tices pa Si (©) Both currency notes and SDRs!*' “%/(D) Only currency notes issued by RBI (i) (©) None ofthese RONG ADs cca wehcgntik URE 7 gmc sacra 34, One rupee notes and coins are issued by (A) Reserve bank of India ashi (B) State Bank of India on behalf of Governmentofindia-»-e (©) RBI word; (D), Finance Minister of Central government of India» 00+ »!v® isa © (BE) None of the above % 35, ATM cards are issued to a person who maintains any of following accounts with the bank (A) Saving bank account (B) Current accounts t ~ Ge (C)eTerm depositsesierlaed oeault bnysile (D)sLoan.oncashicreditaccounts; jer HO 1 Bee (2) Elthen(Aeri(Byy) wir 20 (3),0; wrorersvedad Apo Reawora 25 9 a a ‘36, Which of the following banks is not wholly owned by the Government of India?’ ++ (A) Reserve Bank of India «) osio» (B), State Bank of India.» (C) Punjab and Sind Bank | © )(D) Central Bank of India (E) None of these 37. For the performance of its duties as the regulator of credit the Reserve bank of India possesses the usual instruments of general credit control viz. abt’ Ae (a) Bank rate (®) Open market operation . (C) The power to vary the reserve Tequirements ol = (D) Allofthe above Ne 38, The Scheduled banks are registered under whieh hact? a (A) Second schedule of RBI Act, 1934 (B) I schedule of RBIACL (©) Companies act, 1956 (0)! Partnership act, 932 af (E) Income taxact, 1961 3 9. What is the minimum reserve capital that all scheduled banks must mi Reserve Bank of India? ‘ ban o ee (A) 10lakhRs. — (B) 1400000Rs. © (&) SLakh Rupees 40. On which date, RBI was established? ; (A) 1st september 1940 (B) 15 august 1947 (©) January 26 1950 (0) Ast october 193 (E) April 1, 1935 ont af widisbpat Fay on od}-of bostentbel eaaad “ Who decides how much ara) ofthe coins to be minted?sy (A) Government of India (B) RBI > (© SEBI (D) Finance Ministry” (E) President AYO entaiy cao sibert, (> 42, Which bank is known as the lender of last resort? (A) RBI © (B) BI (©) Finance Minist: +) (0) Government Treasury (E) SEB, 43, Under which, all commercial bank needs to maintain a certain amountin the form of cash, or gold or government approved securities (Bonds) before providing credit tits customers with themselves? : (A) SLR (Statutory Liquidity Ratio) (B) CRR (C) Bank Rate ©) LAF (E)'Repo 7" aa 44, Nationalisation of Imperial Bank of India and its\ a n was done in which year? ; (4) 1935. (B) 1920 (© 1965 (B) 1955 : sind 5 45. The Reserve Bank of India (RBI) keeps on modifying various rates/ratios to keep the flow of liquidity in the market in balanced situation. Which of the following rates/ ratios/indexes is NOT directly controlled by the RBI? ‘ (A) Cash Reserve Ratio (CRR) (B) RepoRate(RR) (©) Reserve Repo Rate (RRR) (D) Wholesale Price index (WPI) 46, Which of the following is nota function of Ss aercla bank E dhe ntibsn vg le asrte cru (A) Providing project finance (B) Selling mutual funds 5 (C) Deciding policy rates like CRR, Repo rates/SLR etc. | | (D) Settlement of payments on behalf of the customers ri) (E) Providing services such as locker facilities, remittances etc... 47. Which of the following cannot be called as a value Added Service OFfereg (A) Special Accounts for poor sections of society (B) ‘Accident Insurance Cover gy 4 = (C) Instant credit of outstation, che (D) Free cheque books & = & 2 5 2 5 s y 3 nl = o g aa & 8 3 S & s = 3 = S ° a the Ress totter Automated Teller Machines (ATM) that can deli erlowerdenomination no," (@) %10 (B)°20:- eres ¢ay(C) Somat AtegmpayT sidings (D) None of the above 5 (E) Alltheabove | 49. Which of the following banks is limited to the needs of | (A) RBI POE ie Creams | (E) Axis Bank . : Ss 50. Open-market operations of Reserve Bank of India Tefers' | | (A) Trading in securities (2) Auctioning. | | (C)*Transaction in gold (©) Allofthese.. (E) None “SL Cone piides—_ for meeting day"t0'“day receip ind expen %o er Central and State Governments, a nt atta yroeinOe ie is f(A): Treasury bills-icis 2 (B)-Ways and Means advance +» {© Date and securities (D) All the above"(E)’'None of thes £2. RBI knowns lender of last resort because: (4) Ithas to meet the credit need of citizens to whom n 8) Ban sie, 1 BRM 5 1 anks lend to go to RBI as a last resort Sect , ther infrequently because ner im ie, (6) Alitonomn/given tobbanke (D) Reasonable inflationlevel iy i which is incorrect with regard to powers of RBI: (A) Holds cash reserve banks p) Controls banking system through licensi a Supervises Banking syst a th (p) None of the above . () Allofthe above 5h NRE, 55, First Indian Governor of the RBI: (a) C.D. Deshmukh (B) Sachindra Ray (©) S.Mukherjee "(D) D.1.G. Patel (E) None of the above” 56, On 19th July 1969, 14 banks were nationalized, these banks had deposits of more than 9 (A) Rs25crore — (B) RsSOcrore (C) RS@5crore (D) Rs100crore (E) None of these 57. APledge means (A) advanced against goods ; ®) hypothecation of goods sta _{@y bailment of goodsas: aye P: (D) Openlimits’* (E) none 58, The lowering of Bank Rate by the Reserve Bank of Indialleads to! (A) More liquidity in the market (B) Less liquidity in the market (©) No change in the liquidity in the market (D) Mobilization of more deposits by commercial banks (E) none of the above 59. Banks in India are governed by BR Act 1949. What does ‘BR’ stan for? we (A) Banks Registration as (©) BankingRegulation” (E) None of the above 60. In India, Scheduled Commerci I] (A) In the 2nd Schedule of RBI Act 1934 (B) In the 2nd Schedule of (4) Capital expansion (B) Creditexpansion © Creditcontro) (0) Gredit creation (E) None of these “4 nking and Finance 62. Indigenous bankers a regulated by» a lee fia (A) Reserve Bank of India 3 Registrar of Co-operative Societies; (D) ‘None of the above. ‘ i ae nets 63, ‘Consider the following statements! ©!) "04 mem a ~ me ss 1, Increase in deposit rate results in higher savings i i$ f 2. Increase in deposit rate results in fallin creditofftakes 1... j 3. Increase in deposit rate results in increase in investment, Which among the above statement/statements is /are correct?, 4 (A) 1&2 (B) 1&3) £01283, 2 » (D) Only2 fi (E) None ofthese ote red sed, rstlgnatieg soy agian F630) 64. Banking orabedsahcsopoieeed ye ) a terty 0 (A): Union government (B) RBI (C) Respective state government 0) Se () None of thes, Osea Bee BEAT 2, 65. Where was the first bank in the country started: at? zbogs. enlea (A) Jaipur (B) Mumbai (© Kolkatta tol? peu. ee °6!=Bank of Bombay. wassetupin sie taonwag 0 " © (AY 1840 fhenBy: i929 = Neste 1(c)/11936: CRE: 67. The Presidency bank involves s (A) Bank of Madras(B) SBI in oth $\(C)-UBhets etstee (D)suCO ; 68. Those banks whose names are included in Second Schedute of HBL ae called a” (A) Scheduled Commercial Banks (B) Trade banks” 77°" (©) Merchant Banks (D) None of 69, Bank of Rajasthan has merged with _ @) Teter Banic iL ob dnddoe (9), UBL 70, Which i: isthe sarsese Private Sector Bank of India - @, we bank (B): HDECan ved pene AB Hert ie: sais ina (eg {© Yes Bank ita o 71. The. was the Ms nn Bank in Real Sense else iv wie () PNB as (BY RBI! ork 7(C)'sBr ana 72, RBI head office is a¢ es (A) Jaipur (B) Mumbai © Bie - ‘O Kerala i 73, The term of the Governor OfRBLis s ‘i oY (A) Syears (B) 3 years ra © 1year ff oO) 1Oyears: ani 74, In CRR C Stands for te ‘ (A) Cost (B) Cash’? t " (D) Calculation” (C) Capital (D) pare B which isthe largest Public, Sector Bank of, India? (a) WelclBank — (B) HDRc © si (©) YES Bank! which bank was given the status ofabankingeiauy company? boa (a) IDB B)NABARD 3 (0) Sale (oninDEC Mee Which bank started its business as a banking company from Oct 1, 20047 (a) DBI (8) NaBARD (0) sBr (0) HDFC g, The {ite is the rate at which the central bank lends Short term money t banks against Government Securities (a) CRR (8) Bank Rate (©) RepoRate " (D) SLR’ 979. The Monetary Policy is Announced by the (A) Governor of RBI (©) Prime Minister (B) President of india (A), German Word Back ovsiametn mang) dsalanuiotg (©) words Bancus orden (D) Allofthe above (A) The bank of Bengal (B) Bank of Bombay “ one a (C) Bank of Madras ‘1 (D) Alloftheabove » (€) None of these i ; . The three Presidency banks were merged in 1921 with the establishment of (A) SBI (B) Imperial Bank of India (©) PNB (D) RBI (E) None of these B. The Report of All India Rt ‘al Credit a wey. (Gera 2 Windia Rural (A) RBI (B) SBI. (D) Bank of Bengal » The banking regi lation Ac (4) Checking bank failures ~ () ensuring adequate bank expansions in nia areas © Consolidating and dapeniy (0) al 86. Which of the following were considered ‘to ‘be the compelling easy nationalisation? 1 (A) Concentration of wealth and economic poet in’ the shands of ip businessman Swreetnos gabiwrel sto gudnda ott eavig zesyy yf tus | (B) Branch Expansion was confined to urban Areas and Rural areas were dethigten, | (C) Sectors like Agriculture, small scale industries and other deserving sector. ene the purview of bank lending operations (D) Various malpractices indulged in ope banks under private ownership (E) Alloftheabove 88010 5 BF BF Bien sized tnom dea vis regulation act, 1949 ~ (8) Advan ing loans D)“Allof the'aBove/2% 8! 87. Enumerate the main functi (A) Accepting Deposits of money (C) Issuance ofletter of credit 88. The ees cl (A) Nationalised b: * approval of (A) Government of India (C). EXIM bank 90. Banks cannot do which of the following business? (A) Accept demand and time deposits from public (B) Sell gold coins (C) Accept items for ‘Keeping i in cate custody _, (D) Accept foreign currency for selling to moi : » (&) ‘Buy Commodities fortra Lage Ses Tr ese ee goiwolk » () Joint Director of, of Foreien Trade ) - asel it Nomneate sociated ’ industry? jibe . (A) Risk Management” yo)? ((B) Man Power Planing (C) Retirement Benefit for employees (D) Corporate Governance’ (E) None of these i; nape) bas ine (Hj ane w le fan pet ct DPT " 2, Which ofthe following products launched by most of th © 5,’ Whenit comiesto providing locker: ¢. oft 19D! None of these!” Peat droit tions, actually It acenye 4, Whenever RBI does some open market operation transi regulate which of the following? ‘A, Inflation ¢. Borrowing powers of the banks B, Liquidity in economy’ 1 »,, Flow of foreign directinyestmentsag e banks help farmersin getting instant credit for varigus agricultural purposes? B. Personal Loan f “aig A. Kisan credit car D. ATM card C. Business loan 43, Which ofthe following products ofa bank is specifically designed to provide financta help to children in their higher studies in India or ina foreign country? ‘A. Personal loan B. Corporate loan C. Housing loan D, Educational loan 4, An account in which trading of shares in A, Demat account C. NRO account their electronic form is done is B, NRE account D, -FENR account) facilityto the customer of any’ banker is that oft a0 Ane in B, Bailorand baile “ p. Lessorandlessee between the customer and ‘A. Debtor and creditor C. Lessee and lessor roduction of smart card? B. Saraf committee 4 D Pannirselvan committee 6. Which committee has recommended intt ‘A. Rangarajan committee C. Nayak committee 7, EEF Cdenotes ‘A, Exchange Earners Foreign Cu __ B. Importer?s account with Bank {maintained by a exporter with RB real st eB rency Account ‘g, Which Bankhas introduced Pre-pa A. oBc V © C. Corporation Bank NRE deposit rates have been recently I ‘A. LIBOR+0.25S ag C, LIBOR + 0.30 ‘A, LIBOR + 0.25) C. LIBOR + 0.30, 4. Atwhat frequency can Banks pay intereston: SavingBank Account. : Sei: ‘A. Monthly Bu Raa ASPErRBI guide, eee Yearly!) ines 42, Current account balance is A. Rate sensitive, “ase C. None of above, 43, Inwhich of the following, a term depositreceint can be casted, if A, not negotiable but transferable B. transferable action claim C, not transferable actionable claim" D) a Lot 44. What kind of an assetis Boodwill asp A. Intangible asset B, account. The Bank: ' A. Cannot exercise right of set olnstaishs acco : | B. Incase loanisrecalled from Tee the net of set-off can be C. Intervention of the court required feak eat Ri D. loan recall is not a necessary condition 16. Your branch is having a partnership current account name of a partner in the firm, is received. It wil A. apply to all partners C. not apply to firm’s account“ Laprebiies sic: V7. Agarnishee order is applicable to, aisaciiad A. Demand deposit C. Recurring Deposit, ae ety 18. Fora loan to be raised in case ofne: perso at ofthe bank, Such relationship of the customer with the B, beneficiary and trustee = A. pledger and pledgee _ andassignee, 5.0 | C. lender and borrower D. assignor Se A, balance sheet a debentures dues after 2years 9, 1 B. term loan with a moratorium of 3 years C. general reserve created only 3 months ct D. provision for disputed income lial 20. One rupee notebe: » Governor RBIs C. Prime Minist (BankinglandiFinancel 21. As per section 45[2(A)] of Banking Regulation Act 1949: A. Nomination facility has been granted for bank deposits. B. Guidelines have b: ee en laid down for election of Chairmen and Managing Directors of 4 ; C. Guidelines have been given for providing working capital to big units. D. nomination facility is available for locker accounts 2, The report on Harmonizati 4 vee 2 Heese ve by: ‘onization of role of FIs and banks relating to universal banking Sot io A. MSVerma — B. RH Khan c, BD Shah D KSeuee : th KF na i te vel arte assets of a firm from the’ following y given | ‘tems: race a lac, Sundry Creditors: Rs10,00lac, Finished goods: Advance payment of tax-Rs2.00lac, Outstanding in Cash Credit accoun Debtors- Rs4.00lac, Stock-in process: Rs 1.00lac A. Rs 67.00lac B. Rs 37.00lac C. Rs 57.00lac 24, Acollecting bank gets statutory protection under: A. RBI Act BA Banking Regulation Act” C. Negotiable Instruments Act D. Indian ContractAct Ie 25. What is the time period under SARFAESI Act, for replying th the borrewee in case he raises an objection for possession of the asset: ut A. 60 days B, 30 days C7 days 239) 26. Bis payee of a cheque, who endorses it to C.C lost the cheque which is foun inc und by,D,, whor endorses it in favour of A for valuable consideration by way of forging Cc signa Mc ‘The cheque is dishonoured. A can recover from: od AB B.C seheaecion= i c. D D, any of the previous parties Pete: 27. A,a customer has a saving bank account and her husband had ‘withdrawn the money | from the bank on the basis of forged cheques at various ‘occasions but the'customer did not object to it. After his death, she comes to bank and demands the'money: A. Bank would refer the matter to the court | eB. Bankis liable on forged cheques ¢, The bank is negligent but not liable;'as the customer is sate to" He ore 9. inform the bank in time sygitbesn! tomb i D, loss shall be borne in the ratio of 50:50 by the bank and thecus ae en Without recourse 1 the ag Be 28. A firm discounts its export receivables of up to 5 years with | exporter under which of the tole arrangement: cd ort S9Ga1 C. securitization D. bills discoun' ing Spt to seta a ei the following will sign the account opening form for Opening a ) yno am case of a partnership firm where the firm has three partners anda P Oe a < peen admitted to the firm forbenefits? a Ming | a ai ae and the father of the minor . jIthe three and natural guardian of the minor i ye i the three and the minor himself a siithe three partnersonly | edna ial eg nishee order for a current account . veer sreceved for SE What emo shoul ma cit rlshee order recelvaal 3. Refer to drawer-Garnishee orde insufficiency of funds due to garnishee orde ao Tees p, aandb 1s PRT THER RTT gp. Abill presented by your branch is dishonoured and you want to get its noting. The provision regarding noting is described under section.,.of NI A ‘A, 100 B, 99 C, 854. : 32, Ifa borrower wants to file an appeal with DRAT against the decision SARFAESI Act, how much amount it will be required to depos ee A, 75% of the amount © B. 50% ofthe amount C, 25% ofthe amount, 4 D ‘ 33, Ifa borrower wants to file an. appeal ‘with DRA‘ Act, how much amount it will be req A. 75% of the amount C. 25% of the amount dikialega 4, Ais having a locker and sends the key by post with an {tention to surrender the locker: A. bank will be discharged ofits liability, i contents of the lockers as NIL. * The bank will notbe discharged ofits labity. The bank should not accept. | D. bank can emt ee to its righ op 35 Aand B maintain an FD yaccount wit } both the accounts: 4. Nomination can be made in both the accounts separatel, 5, Nomination cannot be allowed in lock ©: Itwill depend on bank's discretion | ' Nomi: | nation can be accepted je time a relationship between a banker and customer starts from th i a somer visits that bank a Bonet opens BY customer Visits that bank to made queries oe wore pe aryrelationshipbetweenbankerandeustonieris~ qwer™ D. None of the above mutual no one of the follor B. Contractual C. Personal wing is the most important relationship between. banker and tO] es Gare Creditor B, Bailee and Bailor i ind Principal D. Trustee and Beneficiary c, Agency systomer’s account overdrawn or when customer has cake Joan from banker, ne snthe customer om » creditor B; Agent C. Debtor P Bailor en banker received deposits from the customer, then tie banker becomes 10. 1 ne Pe eastomer pa eanae 2 B. Creditor C. Bailee D. Trustees sa 8 © 4 ‘A. Debtor ~--accepts the bailment of certain things on the condition thatthe thingsbailed id sth Ee z B. Trustee C. Bailee D!"Beneficiary™ dah, eo. 4s obligation ofa banker to honour the cheques of the customer drawn against current account Pash, ff 2k A ‘A Mutual B, Statutory C. Unstatutory _D. All oftheabove hich bank: have given the instructions to.thé:commercial banks. oe immediate credit of outstation cheques? aawokaded Aer oie ne ‘A, Reserve Bank of India B) Central Baik otnandiaoles meine aaa Ja tagcat . Dishonour of cheque b oe que by a banker without. ‘any justifiable reason is called “at A, Valid dishonour of chequ _ ae gues B. Unmindful Se eae _ & Negligence dishonourofcheques..D, Wrongful dishonourof cheques © We c forld Bank D, Allofthe above gn for the je actual 5, Special d: Spe lamages refers to damages Payable bya banker to his customer =--r+~ loss suffered by customer B. Special C. Unpecuniary D. is the right of a:person’to retain the'property of another person. jn his possession untill the debt from that o1 wner of thatpropertyisrepaid A. Lien B./Retainment. | ¢, Retrenchment /D. Libel 4+.) 47, The bank can considertié te “Neh asthelr BroteetlOnidgalnsto¥sle or loan o, overdraft which was given to its customers Tp A obey of Hie * A. Special B. Particular C. General D. Lending 48. =| a = 8 & E 5 a g 3 e 3 z a a = mya customer uae sh 2149309 8AYl cremtenicy » A. Gross. B. Net woth CiePartiall. - oy _ D. None ofthe above Gi Biel liek ve ise ye 49, A- ~ refers to the right of banker to adjust the credit and debit balance of canamers without obtaining any letter of sets customers rea setige off or without giving anymnotice to'the A. Automatic set-off,» POSS 4s a ela AAR ore n B. Proper set-o! '999q eats bap C. Legal set-off . D. ‘Spectalsetioffy, 5? f nat re tele “ee ? 50. The right of setlorreusta; fers account cah be exercised only b : A-Creditors —” B Debtore”” C.Banker p, Customer’ cag 51. Usually incidental cha eof ges are levied on which A. Savings account C. Current Account 52. The i A. Pagets B. Kinlay 53. The word “Garnishee” A. ;Garn. Garnire 1B: Garn 54, The meaning ofthe ord“G: A.to consult B, towarn MICR technology used for clearance of cheques by banks refers to “ai A. Magnetic Ink: Character Recognition B, Magi etic Ink Company Recogn sits C. Magnetic Ink Cross Recognition 0 1 is GY ore as: . In India, the law regulating the Negotiabl serve Bank of Indi A. Banking Regulati n Act 1 ‘ Buses rye nas c Negotiable Instruments Act 181 5 rs MY gn which banks accept deposits from the Public and lend é lend them y short periods? ‘a, Commercial Bank B, Industrial z istrial Bank” D. Central Bank. ig, Which bank is otherwise called as Investment banks? A, Exchange Bank : Mal nant B. Reserve Bank of India D. Agricultural Bank 59, Acompany who accepts demand deposit is called A, Joint stock company im C. Manufacturing company main} eu nly to\commerce, edith C6 fog C Agricultural Bank To HE oAPy B, Banking company D, [Tcompany, sade ec todaadgheney B. Agriculturalist a D. Trading and industrial concern ss aD il 60, Current Accounts are mainly opened bys! vous A. Professionals C. Salaried class people 61, Who controls credit in India? A. Government of India B, Reserve Bank of Indiay C. State Bank of India D, Indian Bank 62. Fixed Deposits is otherwise called as A. Accrued Deposits B. Time deposits C. Recurring Deposits D. Demand Deposits 03 3 63. Inthe which type of deposit, the high rate ofinterestis provided by the Bank? ‘A. Current Account B. Recurring Deposit Acc mnt eae C, Fixed Deposit Account!) |" 'D. Savings Account > 64. Loan is a financial arrangement under which an savance is granted by borrower ona separate aécountealled! £s0e) this latin ‘A. Cash credit account B, Overdraftaccount) > Cy Loan account << -D..Discount.accounts i) 65, The rate of interest charged for the loan by the banker compar cash creditis generally A. High PB, LOW | : Cc, Same D. Based on the amount : bis) ugha 63 a . 66. Which HES of account holder has the permission to overdraw the amount fro! ya counsel Ns Sek ges an ol jer accol | “Ae Savings account)" © a, B, Currentaccount i D. Recurring deposit account!® _ 76. A cheque dated subsequent to the date ofits issue is ; a: iy in Overdraft, to protect the interest of the banker, they le a Ven of Bills of Exchange is anarrangement under whic is . te orexchange maturing witha short period of ‘a, 20daysor 40 days c, 60 days or 90 days _ The main aim ofa banker for performing thesubstdla Ot rthe customers. .,.2! PuUunilaKSiig ‘A, Money A. Principal services C. General utility services 70. The written instructions given by the customers to bankel like collection and payment of money is noted down in A. Written Instructions Book C. Banking Instructions Book, _ pantonee 71. A> is a person who is entrusted with some property by th author of the trust for the benefit of another person called beneficia 3930Vi Lieehor A. Attorneys. 0 Be Executor 72. An- A. Executor 73. Services rendered by a banker not only tohis customers, but are called as A. Principal service. C. General utility services x S fi 74. In Negotiable Instruments Act 1881, which section defines Bromissory, not A, Section 1 oBeSectionS,..\ —_C. Section3 D, Sectior 75, -r--seves Js a system under which an, individi with anetwork ofb mes spa allgvershe coun A. Mixed Banking) ee iran es ¢ i C. Unit Banking D. Corresponding Bahl king oop BesBlank cheque B, D, Account payee chea ye date pefore the date of its issue is Worth cheque B. Full worth cheque ¢ preemptive cheque D. Ante dated cheque the bill of exchange can also bea “jarawer in a A Paymaster B. Payee C. Banker D. Creditor » The rate at which RB discounts approved bill of exchange is 19. A Bank rate B, Interest rate C. Exchange rate D. Discoumers 9, Thelien is defined in saad 6.9 eeggbas A, the Sale of Goods Act sa B the Transfer + of prope iA ¢. the Indian Contract Act D. the Companies Act, quilt 31, The apex institution in agricultural finances ee ‘A. NABARD ,rEXIM Bankouequsnbame:neamuaen sh C. Reserve Bank of India D. IDBI "92, Whois primarily liable on a promissory note? anotna o A. Holder B. Maker C. Drawee™ % 83. How many parties are mainly involved in Promissory Note? A. One B. Five ¢. Two +p. Three’ 84, Inabill of exchange, drawee is 1A. Wao dfawe the bil Poms By onwhom the bill is drawn e C. to whom the payment of the bill is to be made D. to whom the payment of the billis not to be made isa dead cheque ‘A, Post dated cheque Y C. Ante dated cheque D.Pre dated cheque 6, Name the person to whom the amount ofthe cheque is payable? A, Drawer B. Payee ¢. Drawee sdinilbio ‘97, Discounting of bills ofexchangels, | ‘A, Clean advance : B, Secured advance __G Neither clean advance nor secured advance Unsecured advance 4, KYC means 1, Know Your Card : Know Your Customer 99. —— device a, Home Banking ¢, Internet Banking 90. —- ‘A. Home Banking C. Internet Banking 91. To done banking through WAP cutee Applicaton Pras embldnoie riisie, customer should get which type of connection? A. Telephone B. Internet t eevsion D. Blectrical 3, 92, When the banking operations are carried out through electronic mean: form of A, E-banking C. TBanking to replace proper instruments . . A, Electronic Payment System B, Electronic Clearing Service C. Electronic Data Interchange D. None of the above 94, -. has been introduced for the purpose of networking of banks — A. Generic Architecture B. Core Banking C. Centralized Fund Management SystemsD. INFINET 98. Which of the following would fall under the category of retail banking? ‘A. Home Loans B, Credit Cards C. Personal Loans D. Allofthese 96, Loans of very small anountivente lawl cc A, Cash Credit Micro Credit © Simple Overdraft D, No frills Loans a | reeme! a 7”. Loan against the security ofimmovable property isby executingan 2 D. Mortgage A Assignment _B, Pledge ue i. 98. Credit rating is A. used to rate borrowers while giving advances Bi F8: hy AE B. is used to work out the Performance of the employees cimateed 7. C. isused to calculate the number of excellent nt audit rat d branches D. isnot used in any bank E. is necessary before giving Promotion to employees A, Car Loan Which of the following is not considered one among the loa: C. Personal Loan » B. Housing Loan... ‘ D, Infrastructure Loan. 100. Loan for fish rearing is covered under Priority Sect r A. Direct Agriculture! “\ B. Indirect Agricu hei Ci. Self Employment Scheme, i Will offer the stot " the cee eet information regarding the 5. The effective date of issuing the » stock as well as the Cece not peer in the prospectus, for these are not known atthis time. 6. Then the company and the underwri va ae caine “ig This decision depends highly onthe ¢ irrent mal arke Bee bes iw Lastly, the stacks are soldi i the market an an Mentions, ed 1. Type of contractin which contractholder has Uredetermine paises lassifi das " cde Contract uaqjar 2. In financial planning, higher most. pI A. longer option period to ic lesser prices.» 4,4 defenture offace value sof 100 carries coup OD of 15%: Ifthe currentyleli 12.5%, Whatis the current market price? saat dinces. al fund to go down. fficultto say D. donotknow debenture of 100 carrying 15 '% ; Surrentyield on this debenture win gro rate is quoted in the market at) 195/-.The A. 13.5% B. 15% anne if the followin; g, Which o| 8 are called dee ‘A. Zero interest debentures fe rats er ¢, Secured premium notes i an fi bonds © allable b qnvestment in shares and mutual fund (open lable bonds en "a, Over § year bucket eee ¢, Over 1 year bucket, mae Beye) B. Share premium _ Issued capital aud ¢ y D. Fixed capital Cash loaned to a company is called A. Dividends _B. Debentures. Shares (2, The share of profit a shareholder will receive is called A, dividend B. surplus C. net profit sdeemable Preference shares can be redeemed out o . The proceeds ofa fresh issue of shares e Share premium ). The proceeds of issue of debentures The sale proceeds of fixed assets Partly paid preference shares cannot be redeemed _ _ A, True B, False ‘i s, Which of the following statements is NOT TRUE with ronnie to 0 redemption o Preference shares nee ‘A. Partly paid shares cannot be redeemed The redemption of Preference shares shall be taken as reduction of company's AD Aa qulsv saat apie ‘authorized share capital 3 ah When shares are issued for redemption in future, it will hot be seeexttaeener OO Haha capital ). Preference share can be redeemed either,out of the profit oe capitalization or amount of A, fresh issue of shares. Premium on redemption of pre ier ence shares is muaded out of the share premium account, gj. The largest industry group recelving venture capital funding {s 77 © ‘A. computer software, B, medical/health, 7 #55 = ¢. computer hardware, D. none of the above. . The source of venture capital funding has A. shifted from wealthy individuals to pension funds and corporations. B. shifted from pension funds and SE Ee ean ats % C. decreased since 1990. i D. none of the above, . Atypical venture capital firm has a contribute a____ amount. ofmoney, A. large;smallB, small large. number of investors, re whe cacti . The 20-year average return of: f venture, Jcifiaaeae bier C. 20percent D: 100percent A. SOpercent —_-B, 8 percent . The term- --refers financial investment in a highly risky and growth Orienteq venture with the objective of earning a high rate of return. A, Venture capital B, Merchantbanking C. Leasing +) © D, none of these, is a road towards a high growth economy. A. Venture capital B.Merchantbanking C.Leasing —_-D. None ofthese. nat wits Revtitlastve te 7,act.as an intermediary to ink up, the sources of ide S and ti sources of fund., _. 19D, Hen.) ui gothassesiO: oat Sek gM ae A. Venture capital B, Merchant bankingsj

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