Govt. Exams
Entrance Exams
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Topics in Bank PO / Clerk / RBI
Q.111
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)?
Correct Answer:
A. 20%
EXPLANATION
ROE = (Net Profit / Shareholder's Equity) × 100 = (2,500 / 12,500) × 100 = 20%
Q.112
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?
Correct Answer:
B. 10%
EXPLANATION
Growth Rate = ((220,000 - 200,000) / 200,000) × 100 = (20,000 / 200,000) × 100 = 10%
Q.113
Easy
Bank I's average lending rate increased from 8.5% to 9.2% in 2024. What is the increase in basis points?
Correct Answer:
A. 70 bps
EXPLANATION
Increase = 9.2% - 8.5% = 0.7% = 70 basis points (1% = 100 bps)
Q.114
Easy
If Bank H's dividend payout ratio is 45% and net profit is ₹2,000 crore, what is the dividend paid?
Correct Answer:
A. ₹900 crore
EXPLANATION
Dividend = Dividend Payout Ratio × Net Profit = 0.45 × 2,000 = ₹900 crore
Q.115
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?
Correct Answer:
B. ₹2,400 crore
EXPLANATION
Stressed Advances = 4.8% of 50,000 = 0.048 × 50,000 = ₹2,400 crore
Q.116
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?
Correct Answer:
B. 20
EXPLANATION
P/E Ratio = Stock Price / EPS = 900 / 45 = 20
Q.117
Easy
Bank B's Loan-to-Deposit Ratio (LDR) is 82%. If deposits are ₹10,000 crore, what is the loan portfolio?
Correct Answer:
A. ₹8,200 crore
EXPLANATION
LDR = Loans / Deposits. 82% = Loans / 10,000. Loans = 0.82 × 10,000 = ₹8,200 crore
Q.118
Easy
If a bank lends ₹50 lakh at 9% per annum simple interest for 3 years, what is the total amount to be repaid?
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.119
Easy
If Bank A's Capital Adequacy Ratio (CAR) is 15.5%, what is its excess capital above the RBI's minimum requirement of 10.5%?
Correct Answer:
A. 5%
EXPLANATION
Excess capital = Current CAR - Minimum CAR = 15.5% - 10.5% = 5%
Q.120
Easy
Bank S's Gross NPA ratio was 2.5% in March 2024 and increased to 2.8% by June 2024. If total advances were ₹1,00,000 crore in June, what was the approximate gross NPA amount?
Correct Answer:
B. ₹2,800 crore
EXPLANATION
Gross NPA = NPA Ratio × Total Advances = 2.8% × ₹1,00,000 crore = ₹2,800 crore.
