Q.81
Easy
If a bank lends ₹50 lakh at 9% per annum simple interest for 3 years, what is the total amount to be repaid?
A
₹63.5 lakh
B
₹61.5 lakh
C
₹65 lakh
D
₹58.5 lakh
Correct Answer:
A. ₹63.5 lakh
Explanation:
SI = (P × R × T) / 100 = (50 × 9 × 3) / 100 = 13.5 lakh. Total = 50 + 13.5 = ₹63.5 lakh
Q.82
Easy
Bank B's Loan-to-Deposit Ratio (LDR) is 82%. If deposits are ₹10,000 crore, what is the loan portfolio?
A
₹8,200 crore
B
₹12,195 crore
C
₹8,000 crore
D
₹9,800 crore
Correct Answer:
A. ₹8,200 crore
Explanation:
LDR = Loans / Deposits. 82% = Loans / 10,000. Loans = 0.82 × 10,000 = ₹8,200 crore
Q.83
Medium
Under the RBI's latest guidelines (2024), what is the maximum Loan-to-Value (LTV) ratio for residential property loans?
Explanation:
RBI's 2024 guidelines stipulate a maximum LTV of 80% for residential property loans to manage credit risk.
Q.84
Easy
If Bank C's Earnings Per Share (EPS) is ₹45 and its stock price is ₹900, what is the Price-to-Earnings (P/E) ratio?
Explanation:
P/E Ratio = Stock Price / EPS = 900 / 45 = 20
Q.85
Easy
Bank D's Asset Quality Indicator shows Stressed Advances at 4.8% in Q3 2024. If total advances are ₹50,000 crore, what are the stressed advances in absolute terms?
A
₹2,100 crore
B
₹2,400 crore
C
₹2,200 crore
D
₹2,500 crore
Correct Answer:
B. ₹2,400 crore
Explanation:
Stressed Advances = 4.8% of 50,000 = 0.048 × 50,000 = ₹2,400 crore
Q.86
Medium
Which ratio measures a bank's ability to meet its short-term obligations from liquid assets?
A
Solvency Ratio
B
Liquidity Ratio
C
Capital Adequacy Ratio
D
Asset-to-Liability Ratio
Correct Answer:
B. Liquidity Ratio
Explanation:
Liquidity Ratio measures short-term solvency and ability to meet immediate obligations using liquid assets.
Q.87
Medium
Bank E reports a Deposit Growth Rate of 12% YoY and current deposits of ₹80,000 crore. What were deposits in the previous year?
A
₹71,428 crore
B
₹89,600 crore
C
₹70,000 crore
D
₹72,000 crore
Correct Answer:
A. ₹71,428 crore
Explanation:
If growth is 12%, current deposits = previous deposits × 1.12. 80,000 = previous × 1.12. Previous = 80,000 / 1.12 ≈ ₹71,428 crore
Q.88
Medium
According to Basel III, what is the minimum Common Equity Tier 1 (CET1) capital requirement for banks?
Explanation:
Basel III mandates a minimum CET1 ratio of 4.5% of Risk-Weighted Assets (RWA).
Q.89
Medium
Bank F's Interest Income is ₹5,000 crore and Total Income is ₹7,500 crore. What is its Interest Income Ratio?
A
60%
B
66.67%
C
75%
D
80%
Correct Answer:
B. 66.67%
Explanation:
Interest Income Ratio = (Interest Income / Total Income) × 100 = (5,000 / 7,500) × 100 = 66.67%
Q.90
Medium
Which of the following comes under Statutory Liquidity Ratio (SLR) compliance as per RBI norms?
A
Gold, Cash, and Approved Securities
B
Only Cash Reserves
C
Only Government Securities
D
Only Gold Holdings
Correct Answer:
A. Gold, Cash, and Approved Securities
Explanation:
SLR compliance includes Gold, Cash, and Approved Government Securities as per RBI's Liquidity Coverage Ratio framework.
