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.
A customer deposits ₹1,00,000 in a fixed deposit for 2 years at 7.5% p.a. compounded annually. What will be the maturity amount?
Answer: B
A = P(1+r/100)^n = 100000(1+7.1005)^2 = 100000 × 1.155625 = ₹1,15,562.50. Closest to ₹1,15,625 with standard calculation.
Q.22Easy
What does 'Repo Rate' refer to in the context of RBI monetary policy?
Answer: A
Repo Rate is the rate at which RBI provides liquidity to commercial banks through repurchase agreements. It is a key tool of monetary policy.
Q.23Easy
In a data set, Bank X disbursed ₹500 crores in personal loans in Q1, ₹650 crores in Q2, and ₹780 crores in Q3 of 2024. What is the average quarterly disbursement?
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.29Medium
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.30Medium
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.31Medium
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?
Which regulatory framework mandates that banks maintain a minimum Liquidity Coverage Ratio (LCR)?
Answer: C
Basel III framework requires banks to maintain a minimum Liquidity Coverage Ratio of 100% to ensure they have sufficient high-quality liquid assets.
Q.33Medium
In a distribution chart, Bank X's retail deposits increased from 35% to 42% of total deposits. What is the percentage point increase?
Answer: A
Percentage point change = 42% - 35% = 7 percentage points (not a 7% increase, but an increase of 7 percentage points)
Q.34Medium
What is the primary objective of the Pradhan Mantri Mudra Yojana (PMMY) launched in 2015?
Answer: B
PMMY aims to provide collateral-free loans to micro and small enterprises through banks, supporting the growth of small businesses and self-employment.
Q.35Hard
A bank's Return on Assets (ROA) is 1.5% and its net profit is ₹3,000 crores. What is its total asset base?
Answer: B
ROA = (Net Profit / Total Assets) × 100. Therefore, Total Assets = Net Profit / (ROA/100) = 03000.015 = ₹2,00,000 crores
Q.36Hard
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?
Answer: A
New Advances = 500000 × 1.15 = ₹5,75,000 crores. New Deposits = 500000 × 1.12 = ₹5,60,000 crores. Ratio = 560000575000 = 1.027 ≈ 1.03
Q.37Hard
According to RBI's Monetary Policy 2024-2025, what is the repo rate corridor framework (Repo Rate ± corridor width)?
Answer: C
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.
Q.38Hard
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?
Answer: C
LTV:CAC ratio = 50000:2500 = 20:1, indicating that each customer generates 20 times the acquisition cost in lifetime value.
Q.39Medium
If a bank's Net Interest Margin (NIM) is 2.8% and its total assets are ₹5,00,000 crores, what is the approximate Net Interest Income in crores?
Answer: A
NIM = (Net Interest Income / Total Assets) × 100. Therefore, NII = (2.1008) × 5,00,000 = ₹14,000 crores
Q.40Medium
Which of the following is NOT a component of the RBI's Financial Stability Report assessment framework?
Answer: C
The RBI's Financial Stability Report focuses on asset quality, capital adequacy, profitability, and liquidity. Customer Satisfaction Index is not part of the formal FSR framework.
