Showing 91–100 of 494 questions
Q.91
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
Q.92
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
Q.93
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.
Q.94
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)
Q.95
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.96
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?
Explanation:
Growth Rate = ((220,000 - 200,000) / 200,000) × 100 = (20,000 / 200,000) × 100 = 10%
Q.97
Hard
Under Basel III regulations (2024 update), if a bank's RWA is ₹80,000 crore and CET1 is ₹4,200 crore, is it compliant with minimum CET1 requirement?
A
Yes, CET1 ratio is 5.25%
B
No, CET1 ratio is 4.2%
C
Yes, CET1 ratio is 4.5%
D
Cannot determine without Tier 2 data
Correct Answer:
A. Yes, CET1 ratio is 5.25%
Explanation:
CET1 Ratio = (4,200 / 80,000) × 100 = 5.25%, which exceeds the 4.5% minimum. Bank is compliant.
Q.98
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.99
Easy
If Bank A's Net Profit is ₹2,500 crore and Shareholder's Equity is ₹12,500 crore, what is the Return on Equity (ROE)?
Explanation:
ROE = (Net Profit / Shareholder's Equity) × 100 = (2,500 / 12,500) × 100 = 20%
Q.100
Easy
Bank B's Capital Adequacy Ratio under Basel III is 12.5%. If the minimum required CAR is 10.5%, what is the excess CAR?
A
2.0%
B
2.5%
C
1.5%
D
3.0%
Explanation:
Excess CAR = 12.5% - 10.5% = 2.0%
