Govt Exam — Bank PO / Clerk / RBI
SSC · UPSC · Bank PO · Railway · NDA — Government Exam MCQ Practice
Showing 101–110 of 494 questions
Q.101
Easy
A bank's Non-Performing Assets (NPA) ratio is 2.8%. If total advances are ₹50,000 crore, what is the amount of NPAs?
Correct Answer:
B. ₹1,400 crore
Explanation:
NPA Amount = (2.8 / 100) × 50,000 = ₹1,400 crore
Q.102
Easy
If Bank C's Deposits are ₹80,000 crore and Advances are ₹60,000 crore, what is the Advances-to-Deposits ratio?
Correct Answer:
B. 75%
Explanation:
Advances-to-Deposits = (60,000 / 80,000) × 100 = 75%
Q.103
Easy
Bank D's Cost-to-Income ratio is 45%. This means for every ₹100 of income, operating costs are:
Correct Answer:
B. ₹45
Explanation:
Cost-to-Income ratio of 45% means 45% of income is spent on operating costs, which is ₹45 per ₹100 of income
Q.104
Easy
If Bank E's Interest Margin is 2.5% and advances are ₹40,000 crore, what is the annual interest margin income?
Correct Answer:
C. ₹1,000 crore
Explanation:
Interest Margin Income = (2.5 / 100) × 40,000 = ₹1,000 crore
Q.105
Medium
Bank M's Tier 1 Capital is ₹5,000 crore and Risk-Weighted Assets are ₹40,000 crore. Calculate Tier 1 CAR.
Correct Answer:
B. 12.5%
Explanation:
Tier 1 CAR = (Tier 1 Capital / RWA) × 100 = (5,000 / 40,000) × 100 = 12.5%
Q.106
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?
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.107
Medium
Bank O's Net Interest Income is ₹3,000 crore and Total Operating Expenses are ₹1,200 crore. What is the Operating Profit?
Correct Answer:
C. ₹1,800 crore
Explanation:
Operating Profit = NII - Operating Expenses = 3,000 - 1,200 = ₹1,800 crore
Q.108
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?
Correct Answer:
C. ₹40 lakh
Explanation:
Maximum Loan = 80% of ₹50 lakh = 0.80 × 50 = ₹40 lakh
Q.109
Medium
Bank P's Debt-to-Equity ratio is 3:1. If Equity is ₹5,000 crore, what is the Total Debt?
Correct Answer:
C. ₹15,000 crore
Explanation:
If Debt:Equity = 3:1, then Debt = 3 × Equity = 3 × 5,000 = ₹15,000 crore
Q.110
Medium
According to RBI's latest 2024 guidelines, the minimum Statutory Liquidity Ratio (SLR) for scheduled banks is:
Correct Answer:
C. 20%
Explanation:
As per RBI regulations (2024), SLR is set at 20% of net demand and time liabilities