A bank's Gross NPA declined from 4.2% to 3.1%, while Slippage ratio increased from 2.8% to 3.5%. What is the likely scenario?

The correct answer is A: The bank recovered old NPAs while new stress indicators worsened. Declining Gross NPA with increasing Slippage ratio suggests recovery of old NPAs but deteriorating new loan quality, indicating mixed asset quality trends.

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)?

The correct answer is A: 20%. ROE = (Net Profit / Shareholder's Equity) × 100 = (2,500 / 12,500) × 100 = 20%

Which regulatory body oversees the functioning of Non-Banking Financial Companies (NBFCs) in India?

The correct answer is B: RBI. The Reserve Bank of India (RBI) is responsible for regulating and supervising NBFCs. SEBI oversees capital markets, IRDA handles insurance, and PFRDA manages pension funds.

A bank's Net Interest Margin (NIM) is 3.2%. Which statement correctly interprets NIM?

The correct answer is B: The difference between interest earned and interest paid as a percentage of earning assets. NIM = (Interest Income - Interest Expense) / Earning Assets. It measures the spread between interest earned and paid, expressed as a percentage of earning assets.

Bank Y's Earnings Per Share (EPS) increased from ₹45 to ₹54 year-on-year. What is the percentage growth in EPS?

The correct answer is C: 20%. EPS growth = ((54 - 45) / 45) × 100 = (9/45) × 100 = 20%

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Bank PO / Clerk / RBI

PO, Clerk, RRB — Quantitative, Reasoning, GK

107 Q 3 Topics Take Mock Test

Difficulty: All Easy Medium Hard 101–107 of 107

Topics in Bank PO / Clerk / RBI

All General Awareness 200 Banking Awareness 18 Data Interpretation 100

Q.101 Hard

Under the Payment Systems Operator (PSO) framework by RBI, what is the maximum transaction value limit for prepaid payment instruments without KYC?

A ₹10,000

B ₹25,000

C ₹50,000

D ₹1,00,000

Correct Answer: A. ₹10,000

EXPLANATION

RBI's guidelines on prepaid payment instruments specify that transactions up to ₹10,000 can be conducted without full KYC verification for semi-closed systems.

Test

Q.102 Hard

A bank's Customer Acquisition Cost (CAC) is ₹2,500 and the Lifetime Value (LTV) of a customer is ₹50,000. What is the LTV:CAC ratio?

A 10:1

B 15:1

C 20:1

D 25:1

Correct Answer: C. 20:1

EXPLANATION

LTV:CAC ratio = 50000:2500 = 20:1, indicating that each customer generates 20 times the acquisition cost in lifetime value.

Test

Q.103 Hard

According to RBI's Monetary Policy 2024-2025, what is the repo rate corridor framework (Repo Rate ± corridor width)?

A Base rate ± 0.25%

B Repo rate ± 0.50%

C Policy rate ± 0.50%

D MSF rate ± 0.75%

Correct Answer: C. Policy rate ± 0.50%

EXPLANATION

RBI maintains a corridor with repo rate (policy rate) at the center, with Standing Deposit Facility (SDF) at -50 bps and Marginal Standing Facility (MSF) at +50 bps.

Test

Q.104 Hard

In Q1 2024, a bank's advances grew by 15% and deposits grew by 12%. If both started at ₹5,00,000 crores, what is the new Advance-to-Deposit Ratio?

A 1.03

B 1.05

C 1.10

D 1.15

Correct Answer: A. 1.03

EXPLANATION

New Advances = 500000 × 1.15 = ₹5,75,000 crores. New Deposits = 500000 × 1.12 = ₹5,60,000 crores. Ratio = 575000/560000 = 1.027 ≈ 1.03

Test

Q.105 Hard

A bank's Return on Assets (ROA) is 1.5% and its net profit is ₹3,000 crores. What is its total asset base?

A ₹1,50,000 crores

B ₹2,00,000 crores

C ₹2,50,000 crores

D ₹3,00,000 crores

Correct Answer: B. ₹2,00,000 crores

EXPLANATION

ROA = (Net Profit / Total Assets) × 100. Therefore, Total Assets = Net Profit / (ROA/100) = 3000 / 0.015 = ₹2,00,000 crores

Test

Q.106 Hard

What is the significance of the 'Basel III' accord in banking?

A It sets standards for bank capital adequacy

B It regulates deposit interest rates

C It controls loan disbursement amounts

D It manages RBI's monetary policy

Correct Answer: A. It sets standards for bank capital adequacy

EXPLANATION

Basel III sets international standards for bank capital adequacy, stress testing, and market liquidity risk

Test

Q.107 Hard

Calculate the EMI for a loan of ₹5,00,000 at 10% p.a. for 5 years (60 months). (Use approximate formula)

A ₹9,500

B ₹10,600

C ₹11,000

D ₹12,500

Correct Answer: B. ₹10,600

EXPLANATION

Using EMI formula: P[r(1+r)^n]/[(1+r)^n-1] ≈ ₹10,600 (Monthly rate = 10%/12)

Test

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