Bank PO / Clerk / RBI - MCQ Practice Questions

Calculate the EMI for a loan of ₹5,00,000 at 10% p.a. for 5 years (60 months). (Use approximate formula)

What is the significance of the 'Basel III' accord in banking?

A bank's Return on Assets (ROA) is 1.5% and its net profit is ₹3,000 crores. What is its total asset base?

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?

According to RBI's Monetary Policy 2024-2025, what is the repo rate corridor framework (Repo Rate ± corridor width)?

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?

Under the Payment Systems Operator (PSO) framework by RBI, what is the maximum transaction value limit for prepaid payment instruments without KYC?

A retail bank's Gross Non-Performing Assets increased by 120 basis points from 2.5% to 3.7% in a year. If total advances are ₹80,000 crores, what is the approximate increase in absolute NPA amount in crores?

What is the primary purpose of the Basel III accord's countercyclical capital buffer (CCyB) requirement for banks?

Under the RBI's Prompt Corrective Action (PCA) framework (2024), a bank is placed under PCA if its Capital Adequacy Ratio falls below which threshold?

If a bank's Net Interest Margin (NIM) increased from 2.8% to 3.2% year-on-year, which factors are most likely responsible?

In 2024, the RBI introduced new guidelines for Cyber Risk Management. Banks must allocate what minimum percentage of IT budget for cybersecurity?

Which of the following is a characteristic of Tier 1 capital under Basel III that distinguishes it from Tier 2 capital?

According to RBI's 2024 guidelines, what is the primary objective of implementing the Unincorporated Non-Banking Financial Company (UNBFC) framework?

Under the RBI's Integrated Ombudsman Scheme 2021, what is the maximum compensation limit for customer grievances?

Under Basel III regulations (2024 update), if a bank's RWA is ₹80,000 crore and CET1 is ₹4,200 crore, is it compliant with minimum CET1 requirement?

Under Basel III, if a bank's Common Equity Tier 1 (CET1) requirement is 5.5% and it maintains 7.5%, what is the buffer?

Bank T's credit growth is 18% YoY while sector average is 12%. If Bank T's advances were ₹50,000 crore last year, what are they now?

Bank U has a stressed assets ratio of 3.2% and PCR of 65%. What percentage of stressed assets are not covered by provisions?

Bank V's annualized growth rate for Q1-Q3 FY2024-25 is: Q1: 9%, Q2: 11%, Q3: 13%. What is the average quarterly growth?