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a-. l 3 l 2014 14

1. With the aim of achieving

Financial Inclusion, Reserve
Bank Of India has issued guide-
lines permitting the banks to
employ ____ to facilitate
Business Development.
a) Business Correspondents
b) Franchisees
c) Business Facilitators
d) Both 'a' and 'c'
e) None of the above
2. In respect of CGTMSE (Credit
Guarantee fund Trust for Micro
and Small Enterprises) No col-
lateral and no third party guaran-
tee for fund based and non fund
based credit facilities up to ___
a) Rs. 10.00 lakhs
b) Rs. 5.00 lakhs
c) Rs.100 lakhs d) Rs. 5 lakhs
e) None of the above
3. SME Stands for:
a) Selling and Marketing
Establishment
b) Selling and Managing
Employee
c) Sales and Marketing entity
d) Small and Medium
Enterprises
e) None of the above
4. Which of the following is the
Regulator of the credit rating
agencies in India?
a) RBI b) SBI
c) SIDBI d) SEBI
e) None of the above
5. The branding line of Bank of
Baroda is ______
a) International bank of India
b) India's International bank
c) Indian's Multinational Bank
d) World's local Bank
e) None of these
6. One of the major challenges
banking industry is facing these
days is money laundering. Whi-
ch of the following acts/ norms
are launched by the banks to pre-
vent money laundering in gener-
al?
a) Banking Regulation Act
b) Know Your Customer Norms
c) Negotiable Instrument Act
d) Narcotics and Psychotropic
Substance Act
e) None of these
7. Which of the following is the
Capital Market regulator?
a) RBI b) IRDA
c) NSE d) BSE
e) SEBI
8. We know that RBI is the apex
bank of India. Similarly the apex
Bank of the USA is:
a) Federal Reserve Bank
b) The Central Bank of USA
c) Bank of America
d) Central National Bank of
USA
e) None of these
9. Authorized Dealers for foreign
transactions are appointed by:
a) Reserve Bank of India
b) Government of India
c) Individual Banks
d) FEDAI e) None of these
10. As per the report published in the
newspaper, the banks, particular-
ly public sector banks are tying
up with various rating agencies
for providing a qualitative
assessment of the credit needs of
the borrowers. Which amongst
the following is/ are such credit
rating agencies in India?
(A) CARE (B) CRISIL(C) ULIP
a) Only A b) Only B
c) A and B d) Only C
e) All A, B and C
11. As a practice, all banks now
deduct some amount from their
pre- tax income and set aside in a
separate account to create a
cushion for the loans which may
go bad. This is called:
a) CRR b) SLR
c) Provisioning d) PLR
e) None of these
12. Sales above Breakeven point is
called ___
a) Margin of Safety
b) Gross Profit c) Net profit
d) b & c e) None of the above
13. In banking world when a loan
given by a bank to an individual
or organization is not returned by
the borrower wishfully or other-
wise, it is known as ___
(A) Standard Asset (B) Non -
Performing Asset (C) Over Draft
a) Only (A) b) Only (B)
c) Only (C) d) Both (A) and (B)
e) None of these
14. The power of the commercial
banks to expand deposits
through expanding their loans
and advances is known as ____.
a) Capital Expansion
b) Credit Expansion
c) Credit control
d) Credit Creation
e) None of the above
15. The Securitization And Recons-
truction of Financial Assets and
Enforcement of Security Interest
Act (SARFAESI) meant for
recovery of loans which have
become NPAis not applicable to:
a) Public Sector banks
b) Financial Institutes of the
Govt.
c) Private Banks
d) Non - Banking Financial
Companies
e) Small & Cooperative Banks
16. FDI refers to?
a) Fixed Deposit Interest
b) Fixed Deposit Investment
c) Foreign Direct Investment
d) Future Derivative Investment
e) None of these
17. World's local bank is the tag line
of:
a) HDFC b) HSBC
c) CITY BANK d) SBI
e) None of these
18. As we have noticed, many banks
of Indian origin are opening
offices/ branches in foreign
countries. Why is this trend
emerging at a very fast pace?
(A) These banks wish to provide
banking facilities to foreigners
as banking facilities are not plen-
ty in many foreign countries.
India wants to take an advantage
of the situation
(B) These banks wish to help
Indian firms, to acquire funds at
internationally competitive rates
(C) These Banks wish to pro-
mote trade and investment betw-
een India and other countries
a) Only A b) Only B
c) Only C d) A, B and C
e) Only B and C
19. Which of the following is NOT a
banking / finance - related term?
a) Cash Credit b) EMI
c) Held to maturity
d) Exposure limit e) Diffusion
20. Who is the new Deputy Gove-
rnor of Reserve Bank of India?
a) SS Mundra, CMD of Bank of
Baroda
b) VR Iyer, CMD of Bank of
India
c) RK Dubey, CMD, Canara
Bank
d) SL Bansal, CMD, Oriental
Bank of Commerce
e) None of the above
21. The term "kite flying" in banking
refers to:
a) Drawing a cheque without
providing sufficient funds to
meet it.
b) Drawing and acceptance of a
bill of exchange without con-
sideration with a view to
accommodate the other party.
c) The practice of paying usance
bills before they become due.
d) Drawing a post-dated cheque.
e) None of the above
22. Which is the first bank in India
to launch its interactive banking
service through Dish TV?
a) SBI b) ICICI Bank
c) HDFC Bank d) Axis Bank
e) None of these
23. Which is the first bank in India
to produce Green Power for cap-
tive use through wind mills?
a) HDFC b) ICICI c) SBI
d) Axis Bank e) None of these
24. Which category of accounts is
opened under Financial Inclus-
ion?
a) Senior Citizen Deposit
b) Super Saver Accounts
c) No - Frill Accounts
d) SBI Vishesh e) None
25. Which of the following is cor-
rect?
a) Headquarters of National
Insurance Company Ltd. is at
Kolkata
b) Headquarters of New India
Assurance Co. Ltd. is at
Mumbai
c) Headquarters of Oriental
Insurance Company Ltd. is at
New Delhi
d) Headquarters of United India
Insurance Company Ltd. is at
Chennai
e) All of the above
26. The new corporate governance
norms approved by SEBI would
become applicable for all listed
companies with effect from:
a) 01 September 2014
b) 01 November 2014
c) 01 January 2015
d) 01 October 2014
e) None of the above
27. Who has taken over charge as
CMD of IDBI bank in July
2014?
a) MV Nair b) MS Raghavan
c) KR Kamath
d) Sadhuram Bansal
e) TM Bashin
28. Maximum compensation an
Ombudsman is empowered to
award in respect of deficiency in
service of the Credit Card opera-
tions is:
a) Rs. 50,000/- b) Rs. 1 lakh
c) Rs. 5 lakh d) Rs. 10 lakh
e) No limit
29. Headquarters of ABN Amro
Bank is located in ___
a) The Netherlands
b) France c) Taiwan
d) Canada e) Singapore
30. Which of the following are rat-
ing Agencies?
a) Standard and Poor
b) CRISIL c) ICRA
d) CARE e) All of the above
31. As per the findings of the World
Bank, which of the following
recent developments in rural
areas has doubled the income of
rural households, raised literacy
rate by 10% and appreciated
land prices by up to 80%?
a) Relief packages to the farmers
b) Construction of all - weather
roads
c) Recharging of water bodies
d) Rainwater harvesting
e) None of these
KEY
1) d 2) c 3) d 4) d 5) b
6) b 7) e 8) a 9) a 10) c
11) c 12) a 13) b 14) d 15) d
16) c 17) b 18) e 19) e 20) a
21) b 22) b 23) c 24) c 25) e
26) d 27) b 28) b 29) a 30) e
31) a.
Worlds local bank is the tag line of?
Banks Special
Banking Awareness
K.V. Gnana Kumar
Director,
DBS, Hyderabad
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