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Bank PO / Clerk / RBI

PO, Clerk, RRB — Quantitative, Reasoning, GK

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Difficulty: All Easy Medium Hard 371–380 of 494

Topics in Bank PO / Clerk / RBI

All General Awareness 200 Banking Awareness 18 Data Interpretation 100

Q.371 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.

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Q.372 Medium

Under RBI's Priority Sector Lending (PSL) norms, what is the minimum percentage of advances that scheduled commercial banks must lend to priority sector?

A 30%

B 35%

C 40%

D 50%

Correct Answer: C. 40%

EXPLANATION

RBI mandates 40% of net bank credit to be allocated to Priority Sector Lending for scheduled commercial banks.

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Q.373 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.

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Q.374 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).

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Q.375 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.

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Q.376 Medium

A bank offers a home loan at 7.5% p.a. for 20 years. If you borrow ₹25 lakhs, what is your approximate monthly EMI?

A ₹17,850

B ₹19,420

C ₹21,560

D ₹23,750

Correct Answer: B. ₹19,420

EXPLANATION

Using EMI formula: EMI = P[r(1+r)^n]/[(1+r)^n-1], where P=25,00,000, r=7.5%/12=0.00625, n=240. EMI ≈ ₹19,420.

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Q.377 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.

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Q.378 Hard

Bank V's annualized growth rate for Q1-Q3 FY2024-25 is: Q1: 9%, Q2: 11%, Q3: 13%. What is the average quarterly growth?

A 10.5%

B 10.8%

C 11.0%

D 11.2%

Correct Answer: C. 11.0%

EXPLANATION

Average = (9 + 11 + 13) / 3 = 33 / 3 = 11.0%

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Q.379 Hard

Bank U has a stressed assets ratio of 3.2% and PCR of 65%. What percentage of stressed assets are not covered by provisions?

A 1.12%

B 1.15%

C 1.20%

D 1.25%

Correct Answer: A. 1.12%

EXPLANATION

Uncovered = 3.2% × (1 - 0.65) = 3.2% × 0.35 = 1.12%

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Q.380 Hard

Bank T's credit growth is 18% YoY while sector average is 12%. If Bank T's advances were ₹50,000 crore last year, what are they now?

A ₹58,000 crore

B ₹59,000 crore

C ₹59,500 crore

D ₹60,000 crore

Correct Answer: B. ₹59,000 crore

EXPLANATION

Current Advances = 50,000 × 1.18 = ₹59,000 crore

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