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Bank PO / Clerk / RBI

PO, Clerk, RRB — Quantitative, Reasoning, GK

494 Q 3 Topics Take Test

Difficulty: All Easy Medium Hard 401–410 of 494

Topics in Bank PO / Clerk / RBI

All General Awareness 200 Banking Awareness 18 Data Interpretation 100

Q.401 Easy

Bank I's average lending rate increased from 8.5% to 9.2% in 2024. What is the increase in basis points?

A 70 bps

B 65 bps

C 75 bps

D 80 bps

Correct Answer: A. 70 bps

EXPLANATION

Increase = 9.2% - 8.5% = 0.7% = 70 basis points (1% = 100 bps)

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Q.402 Hard

Under the RBI's Integrated Ombudsman Scheme 2021, what is the maximum compensation limit for customer grievances?

A ₹10 lakh

B ₹20 lakh

C ₹5 lakh

D ₹1 lakh

Correct Answer: A. ₹10 lakh

EXPLANATION

RBI's Integrated Ombudsman Scheme 2021 provides a maximum compensation limit of ₹10 lakh for customer grievances.

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Q.403 Easy

If Bank H's dividend payout ratio is 45% and net profit is ₹2,000 crore, what is the dividend paid?

A ₹900 crore

B ₹855 crore

C ₹1,100 crore

D ₹950 crore

Correct Answer: A. ₹900 crore

EXPLANATION

Dividend = Dividend Payout Ratio × Net Profit = 0.45 × 2,000 = ₹900 crore

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Q.404 Medium

Bank G's Provision Coverage Ratio (PCR) is 68% in March 2024. If NPA is ₹500 crore, what is the provision amount?

A ₹340 crore

B ₹320 crore

C ₹300 crore

D ₹360 crore

Correct Answer: A. ₹340 crore

EXPLANATION

PCR = Provisions / NPA. 68% = Provisions / 500. Provisions = 0.68 × 500 = ₹340 crore

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Q.405 Medium

Which of the following comes under Statutory Liquidity Ratio (SLR) compliance as per RBI norms?

A Gold, Cash, and Approved Securities

B Only Cash Reserves

C Only Government Securities

D Only Gold Holdings

Correct Answer: A. Gold, Cash, and Approved Securities

EXPLANATION

SLR compliance includes Gold, Cash, and Approved Government Securities as per RBI's Liquidity Coverage Ratio framework.

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Q.406 Medium

Bank F's Interest Income is ₹5,000 crore and Total Income is ₹7,500 crore. What is its Interest Income Ratio?

A 60%

B 66.67%

C 75%

D 80%

Correct Answer: B. 66.67%

EXPLANATION

Interest Income Ratio = (Interest Income / Total Income) × 100 = (5,000 / 7,500) × 100 = 66.67%

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Q.407 Medium

According to Basel III, what is the minimum Common Equity Tier 1 (CET1) capital requirement for banks?

A 4.5%

B 6%

C 8%

D 5.5%

Correct Answer: A. 4.5%

EXPLANATION

Basel III mandates a minimum CET1 ratio of 4.5% of Risk-Weighted Assets (RWA).

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Q.408 Medium

Bank E reports a Deposit Growth Rate of 12% YoY and current deposits of ₹80,000 crore. What were deposits in the previous year?

A ₹71,428 crore

B ₹89,600 crore

C ₹70,000 crore

D ₹72,000 crore

Correct Answer: A. ₹71,428 crore

EXPLANATION

If growth is 12%, current deposits = previous deposits × 1.12. 80,000 = previous × 1.12. Previous = 80,000 / 1.12 ≈ ₹71,428 crore

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Q.409 Medium

Which ratio measures a bank's ability to meet its short-term obligations from liquid assets?

A Solvency Ratio

B Liquidity Ratio

C Capital Adequacy Ratio

D Asset-to-Liability Ratio

Correct Answer: B. Liquidity Ratio

EXPLANATION

Liquidity Ratio measures short-term solvency and ability to meet immediate obligations using liquid assets.

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Q.410 Easy

Bank D's Asset Quality Indicator shows Stressed Advances at 4.8% in Q3 2024. If total advances are ₹50,000 crore, what are the stressed advances in absolute terms?

A ₹2,100 crore

B ₹2,400 crore

C ₹2,200 crore

D ₹2,500 crore

Correct Answer: B. ₹2,400 crore

EXPLANATION

Stressed Advances = 4.8% of 50,000 = 0.048 × 50,000 = ₹2,400 crore

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