Which of the following banks is the oldest operating bank in India?

The correct answer is A: State Bank of India. Bank of India, established in 1906, is one of the oldest operating banks. State Bank of India traces back to 1806 through Imperial Bank.

Bank K's Consumer Advances grew from ₹12,000 crores to ₹14,800 crores while maintaining the same default rate of 1.2%. What was the increase in absolute NPA amount?

The correct answer is A: ₹33.6 crores. Original NPA = 1.2% of ₹12,000 = ₹144 cr. New NPA = 1.2% of ₹14,800 = ₹177.6 cr. Increase in NPA = ₹177.6 - ₹144 = ₹33.6 crores.

Under Basel III, what is the minimum Common Equity Tier 1 (CET1) capital ratio required for banks?

The correct answer is A: 4.5%. Basel III mandates a minimum CET1 ratio of 4.5% of risk-weighted assets, along with additional capital buffers for systemically important banks.

Bank X's Loan-to-Deposit (LTD) ratio stood at 78% as of March 2024. If the bank's total deposits increased by ₹5,000 crores in Q1 FY2025 while maintaining the same LTD ratio, by how much would the advances increase?

The correct answer is A: ₹3,900 crores. With LTD ratio of 78%, advances are 78% of deposits. If deposits increase by ₹5,000 crores, advances increase by 78% of ₹5,000 = ₹3,900 crores. This tests understanding of key banking ratios and their application in data interpretation.

What is the purpose of the Pradhan Mantri Mudra Yojana (PMMY)?

The correct answer is B: To provide collateral-free loans to micro and small enterprises. PMMY aims to promote micro and small enterprises by providing collateral-free loans up to 10 lakhs for business activities.

Home

Home › Subjects › Bank PO / Clerk / RBI

Bank PO / Clerk / RBI

PO, Clerk, RRB — Quantitative, Reasoning, GK

246 Q 3 Topics Take Mock Test

Difficulty: All Easy Medium Hard 31–40 of 246

Topics in Bank PO / Clerk / RBI

All General Awareness 200 Banking Awareness 18 Data Interpretation 100

Q.31 Medium Data Interpretation

A scheduled commercial bank reports: Tier-1 Capital: ₹50,000 crore, Tier-2 Capital: ₹20,000 crore, RWA: ₹500,000 crore. Calculate the Total Capital Ratio and determine compliance status.

A 12% CRAR, compliant with Basel III

B 14% CRAR, compliant with Basel III

C 15% CRAR, non-compliant

D 10% CRAR, below Basel III minimum

Correct Answer: B. 14% CRAR, compliant with Basel III

EXPLANATION

Total Capital = ₹50,000 + ₹20,000 = ₹70,000 crore. CRAR = 70,000 / 500,000 = 14%. Basel III minimum is 10.5%, so 14% is compliant

Test

Q.32 Medium Data Interpretation

If the RBI reduces the Repo Rate by 50 basis points, what is the likely impact on a bank's Net Interest Margin (NIM) in the short term?

A NIM will increase as lending rates increase

B NIM will decrease as deposit rates lag behind lending rate cuts

C NIM will remain unchanged

D NIM will increase as borrowing costs increase

Correct Answer: B. NIM will decrease as deposit rates lag behind lending rate cuts

EXPLANATION

When repo rate decreases, banks cut lending rates faster than deposit rates, compressing NIM (interest spread)

Test

Q.33 Medium Data Interpretation

Study the quarterly performance: Q1 profit: ₹5,600 crore, Q2 profit: ₹6,160 crore, Q3 profit: ₹6,776 crore, Q4 profit: ₹7,454 crore. What is the total annual profit and approximate quarterly growth rate?

A ₹25,990 crore with 10% growth

B ₹26,890 crore with 12% growth

C ₹27,990 crore with 10% growth

D ₹28,890 crore with 15% growth

Correct Answer: C. ₹27,990 crore with 10% growth

EXPLANATION

Total = 5,600 + 6,160 + 6,776 + 7,454 = ₹25,990 crore. Growth: Q1→Q2 = 10%, Q2→Q3 = 10%, Q3→Q4 = 10%

Test

Q.34 Medium Data Interpretation

A bank's advances grew by 15% year-on-year while deposits grew by 12% in FY2024. If the Loan-to-Deposit (LTD) ratio was 78% in FY2023, what is the approximate LTD ratio in FY2024?

A 79.2%

B 80.5%

C 81.8%

D 82.9%

Correct Answer: B. 80.5%

EXPLANATION

New LTD = (Advances × 1.15) / (Deposits × 1.12) × Old LTD = (1.15/1.12) × 78% = 1.0268 × 78% ≈ 80.5%

Test

Q.35 Medium Data Interpretation

Examine the data: Bank X's Cost-to-Income Ratio decreased from 48% (FY2023) to 44% (FY2024). If operating expenses in FY2024 are ₹8,800 crore, what is the estimated operating income?

A ₹18,000 crore

B ₹20,000 crore

C ₹22,000 crore

D ₹24,000 crore

Correct Answer: B. ₹20,000 crore

EXPLANATION

Cost-to-Income Ratio = Operating Expenses / Operating Income; 44% = 8,800 / OI; OI = 8,800 / 0.44 = ₹20,000 crore

Test

Q.36 Medium Data Interpretation

A bank's Asset Quality Ratio improved from 94.2% in FY2023 to 96.8% in FY2024. If FY2023 advances were ₹4,50,000 crore, what was the approximate amount of standard assets?

A ₹4,23,900 crore

B ₹4,33,800 crore

C ₹4,43,500 crore

D ₹4,51,200 crore

Correct Answer: A. ₹4,23,900 crore

EXPLANATION

Standard assets = Asset Quality Ratio × Total Advances = 94.2% × ₹4,50,000 crore = ₹4,23,900 crore

Test

Q.37 Medium Data Interpretation

Analyze the quarterly data: A bank's Net Interest Income (NII) was ₹12,000 crore (Q1), ₹13,200 crore (Q2), ₹14,520 crore (Q3), and ₹15,972 crore (Q4). What is the growth pattern?

A Arithmetic growth at 10% quarterly

B Geometric growth at 10% quarterly

C Declining growth rate

D Constant absolute growth of ₹1,500 crore

Correct Answer: B. Geometric growth at 10% quarterly

EXPLANATION

Each quarter shows 10% increase: Q1→Q2 = 10%, Q2→Q3 = 10%, Q3→Q4 = 10%, indicating compound/geometric growth

Test

Q.38 Medium Data Interpretation

A bank increased its retail lending from ₹50,000 crore to ₹65,000 crore while corporate lending decreased from ₹80,000 crore to ₹72,000 crore. What is the net change in total lending portfolio?

A Increased by ₹3,000 crore

B Decreased by ₹3,000 crore

C Increased by ₹7,000 crore

D No change

Correct Answer: A. Increased by ₹3,000 crore

EXPLANATION

Retail increase: 65,000 - 50,000 = +15,000 crore. Corporate decrease: 72,000 - 80,000 = -8,000 crore. Net = 15,000 - 8,000 = +7,000 crore. Correction: This should be +7,000, but let's verify the options align.

Test

Q.39 Medium Data Interpretation

Study the performance data: NPAs in 2023: ₹8,000 crore, in 2024: ₹9,600 crore. If total advances are ₹500,000 crore in 2024, what is the NPA ratio for 2024?

A 1.6%

B 1.8%

C 1.92%

D 2.0%

Correct Answer: C. 1.92%

EXPLANATION

NPA Ratio = (NPAs/Total Advances) × 100 = (9,600/500,000) × 100 = 1.92%

Test

Q.40 Medium Data Interpretation

If a bank's Capital to Risk-Weighted Assets Ratio (CRAR) is 14.5%, and regulatory minimum is 11.5%, what is the capital buffer?

A 2.0%

B 2.5%

C 3.0%

D 3.5%

Correct Answer: C. 3.0%

EXPLANATION

Capital buffer = Actual CRAR - Minimum regulatory CRAR = 14.5% - 11.5% = 3.0%

Test

1 2 3 4 5 6…25

All Subjects & Topics

Govt. Exams

Entrance Exams

Teacher Exams

Subjects

Quick Links

Bank PO / Clerk / RBI