Bank PO / Clerk / RBI - MCQ Practice Questions

A bank's Return on Equity (RoE) is 18% and its Return on Assets (RoA) is 1.5%. What is the approximate Equity Multiplier (Asset to Equity ratio)?

Study the data: A private bank's customer deposits grew from ₹8,50,000 crore (Q1 FY2024) to ₹9,25,000 crore (Q4 FY2024). What is the percentage growth in deposits?

If a bank's Statutory Liquidity Ratio (SLR) requirement is 18% and total deposits are ₹6,00,000 crore, what is the minimum amount it must invest in specified securities?

A bank maintains a Cash Reserve Ratio (CRR) of 4.5% as per RBI mandate. If its total liabilities are ₹10,00,000 crore, calculate the minimum cash reserve required.

A bank's Loan-to-Deposit (LTD) ratio increased from 78% in FY2023 to 82% in FY2024. What does this indicate?

A bank reports Operating Profit of ₹8,500 crore and Provisions & Contingencies of ₹2,100 crore. Calculate the Pre-tax Profit.

A bank's Total Income grew by 18% YoY while Operating Expenses grew by 24% YoY. What does this indicate about Cost-to-Income Ratio?

A bank's Liquidity Coverage Ratio (LCR) for the quarter is reported as 145%. What does this indicate about regulatory compliance?

A bank's Interest Earned increased by ₹850 crore while Interest Expended increased by ₹620 crore. What is the impact on Net Interest Income (NII)?

A bank's efficiency ratio (operating expenses to operating income) is 42%. What does this indicate about the bank's operational health?

A bank's Net Interest Margin (NIM) improved from 2.8% to 3.2% year-on-year. If the bank's total assets are ₹5,00,000 crore, what is the approximate increase in NIM in absolute terms?

According to RBI guidelines 2024, what is the minimum Common Equity Tier 1 (CET1) ratio required for Scheduled Commercial Banks?

A bank's Cost to Income Ratio decreased from 48% to 42% in FY2024. This indicates:

If a bank's Tier-II Capital is ₹45,000 crore and total Risk-Weighted Assets are ₹6,00,000 crore, calculate the Tier-II Capital Ratio:

As per RBI's Monetary Policy 2024, what is the current Repo Rate (as of latest announcement)?

Which regulatory body in India is responsible for issuing Unified Payment Interface (UPI) guidelines and overseeing digital banking infrastructure?

Which of the following is NOT a component of Basel III capital framework adopted by RBI?

A bank's Asset Quality Ratio improved from 2.1% to 1.8% in FY 2024. What does this indicate?

Bank B's Cost-to-Income Ratio decreased from 48% to 44% between Q2 and Q3 2024. What is the implication for operational efficiency?

Which regulatory body is responsible for regulating Cooperative Banks in India?