Bank exams reward accuracy under time pressure more than depth, and prelims is often decided by a few marks in a twenty minute section. Questions here follow the IBPS PO, IBPS Clerk, SBI PO, SBI Clerk and RBI Grade B pattern across quantitative aptitude, reasoning ability, English language, general and banking awareness, and computer aptitude. Data interpretation sets are included in full rather than as single questions, since that is how they appear in the paper.
If Bank's total assets are ₹10,00,000 crores and equity is ₹50,000 crores, what is the leverage ratio?
Answer: D
Leverage Ratio = Total Assets / Equity = 10,00,50000,000 = 20:1
Q.18Hard
What is the significance of the 'Basel III' accord in banking?
Answer: A
Basel III sets international standards for bank capital adequacy, stress testing, and market liquidity risk
Q.19Medium
A customer invests ₹50,000 in a mutual fund scheme offered by a bank with average annual returns of 12%. What will be the investment value after 2 years (compounded annually)?
Answer: A
A = 50,000(1.12)^2 = 50,000 × 1.2544 = ₹62,720
Q.20Easy
If Bank A's Capital Adequacy Ratio (CAR) is 15% and Bank B's CAR is 12%, which bank has a stronger capital position relative to the Basel III minimum requirement of 10.5%?
Answer: A
Bank A has CAR of 15% vs Basel III minimum of 10.5%, giving a buffer of 4.5%. Bank B has only 1.5% buffer. Higher CAR indicates stronger capital position and lower risk.
