Promotion Exams: Practice Test 04
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GVSBANKCADEMY (www.gvsbankcademy.com)
{Note: THIS MOCK TEST IS FOR YOUR PRACTICE PURPOSE. DONT SIMPLY SUBMIT WITHOUT ATTEMPTING MOCK TEST JUST FOR ANSWERS. LEARN CONCEPT & PRACTICE}
1). Basel III initial implementation date  as per RBI in India is:
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1 point

2). Capital Conservation Buffer (CCB) is designed to ensure that banks build up capital buffers during ——-times which can be drawn as losses incurred during a stressed period:

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3) What is the CRAR for SBI, ICICI, HDFC bank as per the SIBs- Systemically important banks concept as on 31.3.2022:

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4). As per Basel II, Pillar II- Supervisory Review and evaluation process, under what principles numbers, supervisory expectations from the banks:

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5). Identify the correct risk weights of the following items in the given order. RWAs for capital market exposure, commercial real estate, Retail loans and staff secured loans

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6).  ECB- External Commercial Borrowings (ECB) by Start-ups- conditions:

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7). Regarding EEFC account, which of the following statement is incorrect:

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8). Regarding IBC, 2016 which of the following statement is incorrect:

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9). Which of the following two liquidity standards are introduced in Basel III:

i) Liquidity Coverage Ratio- LCR

ii) Net stable funding Ratio - NSFR

iii) Capital conservation buffer

iv) Counter cyclical capital buffer

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10). which of the following two buffer standards are introduced in Basel III:

i) LCR - Liquidity Coverage Ratio

ii) NSFR- Net Stable Funding Ratio

iii) CCB- Capital Conservation Buffer

iv) Counter Cyclical Capital buffer

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11).  which of the following statement is incorrect about External Commercial Borrowings:

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12). Calculate Economic value added of the bank as on 31.3.2021: Net profit of the bank Rs 15000 crore, Capital of the bank Rs 25000 crore , Cost of capital of the bank: 12%

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13). As per RBI master directions dated 46.2021,  certificate of Deposits shall be issued in minimum denomination of - lakh and in multiples of —— lakh thereafter.

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14). Certificate of Deposits (CDs) may be issued by:

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15). Buyback of CDs can be made only —— days after the date of issue of the CE by the issuing bank:

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16). Which of the following statement is incorrect about Risk Weights of the asset:

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17). which of the following statement is incorrect about LRS- Liberalised Remittance scheme:

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18). What is criteria for investments in the projects as per NPV- Net present Value Concept:

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19). Which of the following techniques/methods can take into consideration of discounted cash flow techniques:

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20). An asset reconstruction company register with the ———-under section 3 of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002:

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21). Q A,B,C : Total global advances of Hyderabad Bank Ltd as on 31.3.2021: Rs 23,25,000 crores. Total advances in India as on 31.3.2021: Rs 19, 69,000 crores  Banks Outstanding deposits under RIDF, NHB, NABARD, SIDBI as on 31.3.2021: Rs 150000 cr  Banks Investments in securitized assets of priority sector category advances as on: Rs 50000 cr Bills rediscounted with RBI at bank rate as on 31.3.2021: Rs 75000 cr Face Value of securities acquired and kept under HTM category under the TLTRO as on 31.3.2021: Rs 25000 cr CEOBE – Credit Equivalent off Balance Sheet Exposure of the bank as on 31.3.2021:Rs 12,15,000 cr.

Based on the above information, answer the following questions

A) What is the total amount of priority sector advances target of the bank as on 31.3.2021 ?

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B). What is the total amount of Agriculture advances target of the bank as on 31.3.2021?

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C). What is the total amount of advances to weaker sections target of the bank as on 31.3.2021

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22). Priority sector credit in the identified districts of 184 - where the credit flow of Hyderabad Bank Ltd, is comparatively lower (per capita PSL less than 6000). What is the weight -----% would be assigned to the incremental priority sector credit:

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23). According to provisions of delayed payment to MSME, a buyer is liable to pay a fine, if he fails to make a payment within 45 days from the day of acceptance of the goods/service. The fine on the amount at —- of the bank rate notified by RBI:

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24). Calculate NII, NIM- Net interest margin of the bank as on 31.3.2021: Interest earned on advances RS 28000 cr , Interest paid on deposits Rs 24000 cr. Total Assets of the bank Rs275000 cr and average earning assets of the bank Rs 245000 cr

Based on the above information, answer the following questions

A). Calculate net interest income of the bank as on 31.3.2021

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B). What is the NIM - net interest margin of the bank as on 31.3.2021:

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25). UCPDC 600 which of the following article statement is incorrect:

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26). Regarding EEFC account, which of the following statement is incorrect:

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27). Collateral free credit facilities allowed for MSME retail trade activity under CGTMSE (scale III to IV):

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28). Joint Liability Group (JLG) is an informal group comprising preferably of — to 1— individuals for the purposes of availing bank loan either individually or through the group mechanism against mutual guarantee (IV to V):

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29). Revaluation reserve to be taken as part of——————— (IV to V)

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30). SGB - Sovereign Gold Bonds may be marketed by —————————— ( IV to V):

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31). Which of the following statement is incorrect about APY (Atal pension Yojana)

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32). Which of the following statement is incorrect about DAY-NRLM

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33). Which of the following statement is incorrect about DAY - NULM

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34). Remittances by persons other than individuals require prior approval of the RBI if commission per transaction to agents abroad for sale of residential flats or commercial plots in India exceeds USD -- or -- % of the inward remittance whichever is more.

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35).  Which of the following statement is incorrect about priority sector targets & amounts:

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36). As per Basel III prescribed which of the following two main liquidity standards in the banking:

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37). which of the following fair is correct about charge & its definition

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38). which of the following statement is correct about priority sector advances

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39). What are the methods of estimating the working capital requirements of a borrower

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40). which of the following fair of risk weight is incorrect

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41). CALCULATE LC LIMIT:  Value of raw material to be bought on credit during the year: Rs 1200 lakh, Transit period: one month, LC usance period 2 months

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42). SHGs should be practicing ‘Panchasutras’ i. e

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43). Regulatory retail portfolio conditions:

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44). PRIORITY SECTOR ADVANCES, TARGETS

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45). PMEGP 2ND CONDITIONS:

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46). Housing loan LTV- loan to value ratio-RWAs calculation: Housing loan outstanding Rs 70 lakh, value of security is Rs 100 lakh. Calculate

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47). Which of the following statement is /are correct

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48) A bank has deposits of Rs 4,00,000 Crores. The interest rate on this is 7%. CRR to be maintained by the bank is 4%. What will be the effective cost to deposit?

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49). SYN BANK 1 TO 2 RECALLED QUESTIONS DEC 2019

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50). KYC & AML CERTIFICATE EXAM RECALLED QUESTIONS EXAM DATED 9.10.2021

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