Central Govt Exam Preparation — SSC, UPSC, Bank, Railway

Central Exam — Bank PO / Clerk / RBI

UPSC · SSC · Bank · Railway · NDA — Central Government Exam MCQ Practice

141 Questions 5 Topics Take Test

Showing 21–30 of 141 questions

Q.21 Easy

Which of the following is NOT a function of the Deposit Insurance and Credit Guarantee Corporation (DICGC) as per 2024 guidelines?

A Insuring deposits up to ₹5 lakh per depositor per bank

B Setting monetary policy for commercial banks

C Providing insurance coverage for both principal and accrued interest

D Managing claims and payouts to depositors during bank failures

Correct Answer: B. Setting monetary policy for commercial banks

Explanation:

DICGC insures deposits but does not set monetary policy—that is the RBI's function. DICGC covers deposits up to ₹5 lakh including principal and accrued interest.

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Q.22 Easy

Bank S's Gross NPA ratio was 2.5% in March 2024 and increased to 2.8% by June 2024. If total advances were ₹1,00,000 crore in June, what was the approximate gross NPA amount?

A ₹2,500 crore

B ₹2,800 crore

C ₹2,700 crore

D ₹3,000 crore

Correct Answer: B. ₹2,800 crore

Explanation:

Gross NPA = NPA Ratio × Total Advances = 2.8% × ₹1,00,000 crore = ₹2,800 crore.

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Q.23 Easy

If Bank A's Capital Adequacy Ratio (CAR) is 15.5%, what is its excess capital above the RBI's minimum requirement of 10.5%?

A 5%

B 5.5%

C 4.5%

D 6%

Correct Answer: A. 5%

Explanation:

Excess capital = Current CAR - Minimum CAR = 15.5% - 10.5% = 5%

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Q.24 Easy

If a bank lends ₹50 lakh at 9% per annum simple interest for 3 years, what is the total amount to be repaid?

A ₹63.5 lakh

B ₹61.5 lakh

C ₹65 lakh

D ₹58.5 lakh

Correct Answer: A. ₹63.5 lakh

Explanation:

SI = (P × R × T) / 100 = (50 × 9 × 3) / 100 = 13.5 lakh. Total = 50 + 13.5 = ₹63.5 lakh

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Q.25 Easy

Bank B's Loan-to-Deposit Ratio (LDR) is 82%. If deposits are ₹10,000 crore, what is the loan portfolio?

A ₹8,200 crore

B ₹12,195 crore

C ₹8,000 crore

D ₹9,800 crore

Correct Answer: A. ₹8,200 crore

Explanation:

LDR = Loans / Deposits. 82% = Loans / 10,000. Loans = 0.82 × 10,000 = ₹8,200 crore

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Q.26 Easy

If Bank C's Earnings Per Share (EPS) is ₹45 and its stock price is ₹900, what is the Price-to-Earnings (P/E) ratio?

A 18

B 20

C 22

D 15

Correct Answer: B. 20

Explanation:

P/E Ratio = Stock Price / EPS = 900 / 45 = 20

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Q.27 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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Q.28 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.29 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.30 Easy

Bank J's Total Assets grew from ₹2,00,000 crore to ₹2,20,000 crore in one year. What is the Asset Growth Rate?

A 9%

B 10%

C 11%

D 12%

Correct Answer: B. 10%

Explanation:

Growth Rate = ((220,000 - 200,000) / 200,000) × 100 = (20,000 / 200,000) × 100 = 10%

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