Entrance Exams
Govt. Exams
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Topics in Bank PO / Clerk / RBI
Q.381
Hard
Under Basel III, if a bank's Common Equity Tier 1 (CET1) requirement is 5.5% and it maintains 7.5%, what is the buffer?
Correct Answer:
B. 2.0%
EXPLANATION
Buffer = Maintained CET1 - Required CET1 = 7.5% - 5.5% = 2.0%
Q.382
Medium
Bank S's EMI on a ₹10 lakh loan at 8% p.a. for 5 years is approximately ₹24,324. What is the total interest paid?
Correct Answer:
C. ₹4,59,840
EXPLANATION
Total Amount = 24,324 × 60 = 14,59,440; Interest = 14,59,440 - 10,00,000 = ₹4,59,440
Q.383
Medium
If Bank R's dividend per share is ₹5 and market price is ₹80, what is the dividend yield?
Correct Answer:
B. 6.25%
EXPLANATION
Dividend Yield = (Dividend per Share / Market Price) × 100 = (5 / 80) × 100 = 6.25%
Q.384
Medium
Bank Q's deposits increased from ₹50,000 crore to ₹60,000 crore. What is the percentage increase?
Correct Answer:
C. 20%
EXPLANATION
Percentage increase = ((60,000 - 50,000) / 50,000) × 100 = 20%
Q.385
Medium
According to RBI's latest 2024 guidelines, the minimum Statutory Liquidity Ratio (SLR) for scheduled banks is:
Correct Answer:
C. 20%
EXPLANATION
As per RBI regulations (2024), SLR is set at 20% of net demand and time liabilities
Q.386
Medium
Bank P's Debt-to-Equity ratio is 3:1. If Equity is ₹5,000 crore, what is the Total Debt?
Correct Answer:
C. ₹15,000 crore
EXPLANATION
If Debt:Equity = 3:1, then Debt = 3 × Equity = 3 × 5,000 = ₹15,000 crore
Q.387
Medium
A bank's Loan-to-Value (LTV) ratio for mortgages is 80%. If a property is valued at ₹50 lakh, what is the maximum loan amount?
Correct Answer:
C. ₹40 lakh
EXPLANATION
Maximum Loan = 80% of ₹50 lakh = 0.80 × 50 = ₹40 lakh
Q.388
Medium
Bank O's Net Interest Income is ₹3,000 crore and Total Operating Expenses are ₹1,200 crore. What is the Operating Profit?
Correct Answer:
C. ₹1,800 crore
EXPLANATION
Operating Profit = NII - Operating Expenses = 3,000 - 1,200 = ₹1,800 crore
Q.389
Medium
Bank N's Total Assets increased by 15% in Year 1 and 12% in Year 2. If initial assets were ₹1,00,000 crore, what are the final assets?
Correct Answer:
A. ₹1,28,800 crore
EXPLANATION
Year 1 Assets = 1,00,000 × 1.15 = 1,15,000 crore; Year 2 Assets = 1,15,000 × 1.12 = 1,28,800 crore
Q.390
Medium
Bank M's Tier 1 Capital is ₹5,000 crore and Risk-Weighted Assets are ₹40,000 crore. Calculate Tier 1 CAR.
Correct Answer:
B. 12.5%
EXPLANATION
Tier 1 CAR = (Tier 1 Capital / RWA) × 100 = (5,000 / 40,000) × 100 = 12.5%