Showing 111–120 of 246 questions
Q.111
Medium
General Awareness
Which international financial organization publishes the Basel Accords that guide banking regulations?
A
International Monetary Fund (IMF)
B
World Bank
C
Basel Committee on Banking Supervision (BCBS)
D
Bank for International Settlements (BIS)
Correct Answer:
C. Basel Committee on Banking Supervision (BCBS)
Explanation:
BCBS, established in 1974, develops banking regulations and prudential standards, publishing Basel I, II, and III accords.
Q.112
Medium
General Awareness
What is the purpose of the Marginal Standing Facility (MSF) introduced by RBI?
A
To provide overnight lending to banks against approved securities
B
To regulate stock market operations
C
To manage foreign exchange reserves
D
To monitor non-performing assets
Correct Answer:
A. To provide overnight lending to banks against approved securities
Explanation:
MSF allows scheduled banks to borrow funds overnight from RBI at a penal rate against eligible securities when other liquidity sources are exhausted.
Q.113
Medium
General Awareness
Under which facility can banks borrow money from RBI on a temporary basis to manage short-term liquidity mismatches?
A
Open Market Operations (OMO)
B
Repo Operations
C
Liquidity Adjustment Facility (LAF)
D
Collateralized Borrowing and Lending Obligation (CBLO)
Correct Answer:
C. Liquidity Adjustment Facility (LAF)
Explanation:
LAF allows banks to borrow through Repo (overnight) or Reverse Repo to manage short-term liquidity needs.
Q.114
Medium
General Awareness
Which of the following is a regulatory tool used by RBI to control inflation and manage money supply?
A
Quantitative Easing
B
Open Market Operations (OMO)
C
Fiscal policy measures
D
Tax rate adjustments
Correct Answer:
B. Open Market Operations (OMO)
Explanation:
OMO involves buying and selling government securities to regulate liquidity and money supply in the banking system.
Q.115
Medium
General Awareness
What does CASA ratio indicate in banking?
A
Cost to Assets and Savings Accounts
B
Current and Savings Accounts as a proportion of total deposits
C
Capital and Subordinated debt Accounts
D
Compliance and Safety Account Standards
Correct Answer:
B. Current and Savings Accounts as a proportion of total deposits
Explanation:
CASA (Current Account Saving Account) ratio measures the proportion of low-cost deposits, indicating deposit quality and profitability.
Q.116
Medium
General Awareness
As per RBI's 2024 guidelines, what is the maximum Loan-to-Value (LTV) ratio for housing loans?
Explanation:
RBI guidelines specify 80% as the maximum LTV ratio for housing loans to manage systemic risk.
Q.117
Medium
General Awareness
Under which Act is the Payment and Settlement Systems regulated in India?
A
Banking Regulation Act, 1949
B
Payment and Settlement Systems Act, 2007
C
Reserve Bank of India Act, 1934
D
Foreign Exchange Management Act, 1999
Correct Answer:
B. Payment and Settlement Systems Act, 2007
Explanation:
The Payment and Settlement Systems Act, 2007 provides the legal framework for regulating payment systems in India.
Q.118
Medium
General Awareness
Which committee was set up to review the monetary policy framework in India?
A
Urjit Patel Committee
B
Raghuram Rajan Committee
C
Nirmala Sitharaman Committee
D
Viral Acharya Committee
Correct Answer:
A. Urjit Patel Committee
Explanation:
The Urjit Patel Committee (2014) reviewed the monetary policy framework and recommended an inflation-targeting approach.
Q.119
Medium
General Awareness
What is the current Statutory Liquidity Ratio (SLR) as per RBI's latest directive?
A
18%
B
19.5%
C
20%
D
25%
Explanation:
As of 2024, the SLR is set at 19.5% of Net Demand and Time Liabilities (NDTL).
Q.120
Medium
General Awareness
Which of the following is an example of a non-bank financial institution (NBFI)?
A
Scheduled Commercial Bank
B
Housing Finance Company
C
Public Sector Bank
D
Cooperative Bank
Correct Answer:
B. Housing Finance Company
Explanation:
Housing Finance Companies are regulated NBFIs that provide financing for housing but are not classified as banks.
