Home › Subjects › Bank PO / Clerk / RBI

Bank PO / Clerk / RBI

PO, Clerk, RRB — Quantitative, Reasoning, GK

141 Q 3 Topics Take Test

Difficulty: All Easy Medium Hard 101–110 of 141

Topics in Bank PO / Clerk / RBI

All General Awareness 200 Banking Awareness 18 Data Interpretation 100

Q.101 Easy

A bank has Total Assets of ₹5,00,000 crore and Total Liabilities of ₹4,70,000 crore. What is the bank's Equity?

A ₹30,000 crore

B ₹970,000 crore

C ₹470,000 crore

D Cannot be determined

Correct Answer: A. ₹30,000 crore

EXPLANATION

Equity = Assets - Liabilities = ₹5,00,000 crore - ₹4,70,000 crore = ₹30,000 crore.

Take Test

Q.102 Easy

A bank's Net Interest Margin (NIM) increased from 2.8% to 3.1% in FY2024. What is the percentage point increase?

A 0.3 percentage points

B 1.07%

C 10.7%

D 0.03%

Correct Answer: A. 0.3 percentage points

EXPLANATION

The difference is 3.1% - 2.8% = 0.3 percentage points. This is different from percentage change.

Take Test

Q.103 Easy

RBI's Monetary Policy Committee (MPC) reviews rates how many times a year as per 2024 guidelines?

A 4 times

B 6 times

C 8 times

D 12 times

Correct Answer: B. 6 times

EXPLANATION

As per RBI's framework, the MPC conducts 6 monetary policy reviews annually (bimonthly).

Take Test

Q.104 Easy

Which of the following is NOT a component of a bank's tier 1 capital?

A Common Equity Tier 1 (CET1)

B Additional Tier 1 (AT1) capital

C Subordinated debt

D Share capital and reserves

Correct Answer: C. Subordinated debt

EXPLANATION

Subordinated debt is a component of Tier 2 capital, not Tier 1. Tier 1 consists of CET1 and AT1 capital only.

Take Test

Q.105 Easy

As per RBI's latest 2024 guidelines, what is the minimum Capital Adequacy Ratio (CAR) that a bank must maintain?

A 8%

B 10.5%

C 12%

D 15%

Correct Answer: B. 10.5%

EXPLANATION

RBI mandates a minimum CAR of 10.5% for scheduled commercial banks under Basel III framework as of 2024.

Take Test

Q.106 Easy

If Bank E's Interest Margin is 2.5% and advances are ₹40,000 crore, what is the annual interest margin income?

A ₹800 crore

B ₹900 crore

C ₹1,000 crore

D ₹1,100 crore

Correct Answer: C. ₹1,000 crore

EXPLANATION

Interest Margin Income = (2.5 / 100) × 40,000 = ₹1,000 crore

Take Test

Q.107 Easy

Bank D's Cost-to-Income ratio is 45%. This means for every ₹100 of income, operating costs are:

A ₹35

B ₹45

C ₹55

D ₹60

Correct Answer: B. ₹45

EXPLANATION

Cost-to-Income ratio of 45% means 45% of income is spent on operating costs, which is ₹45 per ₹100 of income

Take Test

Q.108 Easy

If Bank C's Deposits are ₹80,000 crore and Advances are ₹60,000 crore, what is the Advances-to-Deposits ratio?

A 70%

B 75%

C 80%

D 85%

Correct Answer: B. 75%

EXPLANATION

Advances-to-Deposits = (60,000 / 80,000) × 100 = 75%

Take Test

Q.109 Easy

A bank's Non-Performing Assets (NPA) ratio is 2.8%. If total advances are ₹50,000 crore, what is the amount of NPAs?

A ₹1,200 crore

B ₹1,400 crore

C ₹1,500 crore

D ₹1,600 crore

Correct Answer: B. ₹1,400 crore

EXPLANATION

NPA Amount = (2.8 / 100) × 50,000 = ₹1,400 crore

Take Test

Q.110 Easy

Bank B's Capital Adequacy Ratio under Basel III is 12.5%. If the minimum required CAR is 10.5%, what is the excess CAR?

A 2.0%

B 2.5%

C 1.5%

D 3.0%

Correct Answer: A. 2.0%

EXPLANATION

Excess CAR = 12.5% - 10.5% = 2.0%

Take Test

1…9 10 11 12 13…15

All Subjects & Topics

Entrance Exams

Govt. Exams

Teacher Exams

Subjects

Quick Links

Bank PO / Clerk / RBI