Showing 51–60 of 246 questions
Q.51
Medium
Which of the following represents the core banking operation under the Scheduled Bank definition?
A
Only accepting deposits
B
Accepting deposits and making loans/advances
C
Trading in securities
D
Insurance intermediation
Correct Answer:
B. Accepting deposits and making loans/advances
Explanation:
Core banking operations involve accepting deposits and advancing loans/credits as primary functions.
Q.52
Medium
Bank K's Operating Expenses decreased from ₹3,500 crore to ₹3,150 crore while revenue remained ₹8,000 crore. What is the new Cost-to-Income Ratio?
A
42.5%
B
39.375%
C
43.75%
D
40%
Correct Answer:
B. 39.375%
Explanation:
CIR = (Operating Expenses / Revenue) × 100 = (3,150 / 8,000) × 100 = 39.375%
Q.53
Medium
Bank M's Tier 1 Capital is ₹5,000 crore and Risk-Weighted Assets are ₹40,000 crore. Calculate Tier 1 CAR.
A
10.5%
B
12.5%
C
15.0%
D
11.0%
Explanation:
Tier 1 CAR = (Tier 1 Capital / RWA) × 100 = (5,000 / 40,000) × 100 = 12.5%
Q.54
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?
A
₹1,28,800 crore
B
₹1,29,900 crore
C
₹1,30,500 crore
D
₹1,31,200 crore
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.55
Medium
Bank O's Net Interest Income is ₹3,000 crore and Total Operating Expenses are ₹1,200 crore. What is the Operating Profit?
A
₹1,200 crore
B
₹1,500 crore
C
₹1,800 crore
D
₹2,000 crore
Correct Answer:
C. ₹1,800 crore
Explanation:
Operating Profit = NII - Operating Expenses = 3,000 - 1,200 = ₹1,800 crore
Q.56
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?
A
₹30 lakh
B
₹35 lakh
C
₹40 lakh
D
₹45 lakh
Correct Answer:
C. ₹40 lakh
Explanation:
Maximum Loan = 80% of ₹50 lakh = 0.80 × 50 = ₹40 lakh
Q.57
Medium
Bank P's Debt-to-Equity ratio is 3:1. If Equity is ₹5,000 crore, what is the Total Debt?
A
₹12,000 crore
B
₹13,000 crore
C
₹15,000 crore
D
₹20,000 crore
Correct Answer:
C. ₹15,000 crore
Explanation:
If Debt:Equity = 3:1, then Debt = 3 × Equity = 3 × 5,000 = ₹15,000 crore
Q.58
Medium
According to RBI's latest 2024 guidelines, the minimum Statutory Liquidity Ratio (SLR) for scheduled banks is:
A
18%
B
19%
C
20%
D
21.5%
Explanation:
As per RBI regulations (2024), SLR is set at 20% of net demand and time liabilities
Q.59
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.60
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%
