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.
In a bank's balance sheet, what does NPA (Non-Performing Asset) refer to?
Answer: B
NPA is a classification for loans where principal or interest payment is overdue by 90 days or more
Q.5Medium
If a bank's CAR (Capital Adequacy Ratio) is 15%, what does this indicate?
Answer: D
CAR of 15% means the bank has adequate capital buffer. Regulatory minimum is 10.5%, so 15% indicates compliance and strength
Q.6Medium
What is the current Statutory Liquidity Ratio (SLR) requirement set by RBI as per 2024-2025?
Answer: B
As of 2024, RBI maintains SLR requirement at 18% of Net Demand and Time Liabilities (NDTL)
Q.7Medium
If a bank's Net Interest Margin (NIM) increased from 2.8% to 3.2%, what does this signify?
Answer: B
An increase in NIM indicates the bank is earning more profit on its lending and deposit operations
Q.8Medium
What does the term 'Markdown' mean in banking context?
Answer: C
Markdown refers to the spread between the bid-ask prices in securities trading by banks
Q.9Medium
According to the 2024-2025 pattern, what is the current CRR (Cash Reserve Ratio) in India?
Answer: B
As of 2024, RBI has maintained CRR at 4% of NDTL for banks
Q.10Medium
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.11Medium
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.12Medium
A bank's total advances are ₹8,00,000 crores. If Gross NPA (Non-Performing Assets) is 2.5%, what is the value of Gross NPAs?
If a bank's Cost-to-Income Ratio (CIR) decreased from 52% to 48%, what does this indicate?
Answer: B
Lower CIR indicates better operational efficiency as the bank is spending less to generate each unit of income. A decrease from 52% to 48% shows improvement.
Q.16Medium
What is 'Markdown' in the context of banking and securities markets?
Answer: A
Markdown refers to the reduction in the price of a security when a dealer sells it to a customer, representing the dealer's profit margin.
Q.17Medium
According to the RBI's 2024-2025 guidelines, what is the current Cash Reserve Ratio (CRR) for scheduled commercial banks?
Answer: B
As per RBI's latest monetary policy, the CRR for scheduled commercial banks is maintained at 4.0% of their net demand and time liabilities.
Q.18Medium
A customer takes a loan of ₹4,00,000 at 9% p.a. for 5 years. Using the simple interest formula, what is the total interest payable?
