Bank PO / Clerk / RBI - MCQ Practice Questions

Which of the following is NOT a function of the Deposit Insurance and Credit Guarantee Corporation (DICGC) as per 2024 guidelines?

Bank S's Gross NPA ratio was 2.5% in March 2024 and increased to 2.8% by June 2024. If total advances were ₹1,00,000 crore in June, what was the approximate gross NPA amount?

If Bank A's Capital Adequacy Ratio (CAR) is 15.5%, what is its excess capital above the RBI's minimum requirement of 10.5%?

If a bank lends ₹50 lakh at 9% per annum simple interest for 3 years, what is the total amount to be repaid?

Bank B's Loan-to-Deposit Ratio (LDR) is 82%. If deposits are ₹10,000 crore, what is the loan portfolio?

If Bank C's Earnings Per Share (EPS) is ₹45 and its stock price is ₹900, what is the Price-to-Earnings (P/E) ratio?

Bank D's Asset Quality Indicator shows Stressed Advances at 4.8% in Q3 2024. If total advances are ₹50,000 crore, what are the stressed advances in absolute terms?

If Bank H's dividend payout ratio is 45% and net profit is ₹2,000 crore, what is the dividend paid?

Bank I's average lending rate increased from 8.5% to 9.2% in 2024. What is the increase in basis points?

Bank J's Total Assets grew from ₹2,00,000 crore to ₹2,20,000 crore in one year. What is the Asset Growth Rate?

If Bank A's Net Profit is ₹2,500 crore and Shareholder's Equity is ₹12,500 crore, what is the Return on Equity (ROE)?

Bank B's Capital Adequacy Ratio under Basel III is 12.5%. If the minimum required CAR is 10.5%, what is the excess CAR?

A bank's Non-Performing Assets (NPA) ratio is 2.8%. If total advances are ₹50,000 crore, what is the amount of NPAs?

If Bank C's Deposits are ₹80,000 crore and Advances are ₹60,000 crore, what is the Advances-to-Deposits ratio?

Bank D's Cost-to-Income ratio is 45%. This means for every ₹100 of income, operating costs are:

If Bank E's Interest Margin is 2.5% and advances are ₹40,000 crore, what is the annual interest margin income?

As per RBI's latest 2024 guidelines, what is the minimum Capital Adequacy Ratio (CAR) that a bank must maintain?

Which of the following is NOT a component of a bank's tier 1 capital?

RBI's Monetary Policy Committee (MPC) reviews rates how many times a year as per 2024 guidelines?

A bank's Net Interest Margin (NIM) increased from 2.8% to 3.1% in FY2024. What is the percentage point increase?