Showing 111–120 of 494 questions
Q.111
Medium
Bank Q's deposits increased from ₹50,000 crore to ₹60,000 crore. What is the percentage increase?
Explanation:
Percentage increase = ((60,000 - 50,000) / 50,000) × 100 = 20%
Q.112
Medium
If Bank R's dividend per share is ₹5 and market price is ₹80, what is the dividend yield?
A
5.25%
B
6.25%
C
7.25%
D
8.25%
Explanation:
Dividend Yield = (Dividend per Share / Market Price) × 100 = (5 / 80) × 100 = 6.25%
Q.113
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?
A
₹3,59,440
B
₹4,59,440
C
₹4,59,840
D
₹3,59,840
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.114
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?
A
1.5%
B
2.0%
C
2.5%
D
3.0%
Explanation:
Buffer = Maintained CET1 - Required CET1 = 7.5% - 5.5% = 2.0%
Q.115
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
Q.116
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%
Explanation:
Uncovered = 3.2% × (1 - 0.65) = 3.2% × 0.35 = 1.12%
Q.117
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%
Explanation:
Average = (9 + 11 + 13) / 3 = 33 / 3 = 11.0%
Q.118
Easy
As per RBI's latest 2024 guidelines, what is the minimum Capital Adequacy Ratio (CAR) that a bank must maintain?
Explanation:
RBI mandates a minimum CAR of 10.5% for scheduled commercial banks under Basel III framework as of 2024.
Q.119
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.
Q.120
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.
