Bank PO / Clerk / RBI - MCQ Practice Questions

Study the table: Loan disbursements across 3 branches in lakhs: Branch A: ₹250, Branch B: ₹180, Branch C: ₹320. If total loan recovery was 85%, what was the total outstanding loan amount?

What is the Cash Reserve Ratio (CRR) as per latest RBI guidelines 2024?

A bank received deposits of ₹500 crore, ₹600 crore, and ₹700 crore in three consecutive months. If the growth rate needs to be 15% each month for targets, what would be the shortfall in month 3?

Which regulatory framework applies to payments and settlement systems in India?

Analyze the data: Q1 loan disbursement: ₹800 crore, Q2: ₹960 crore, Q3: ₹1,152 crore. What is the sequential growth rate pattern?

If a bank's Capital to Risk-Weighted Assets Ratio (CRAR) is 14.5%, and regulatory minimum is 11.5%, what is the capital buffer?

Study the performance data: NPAs in 2023: ₹8,000 crore, in 2024: ₹9,600 crore. If total advances are ₹500,000 crore in 2024, what is the NPA ratio for 2024?

A bank increased its retail lending from ₹50,000 crore to ₹65,000 crore while corporate lending decreased from ₹80,000 crore to ₹72,000 crore. What is the net change in total lending portfolio?

According to Basel III framework implemented in India, what is the minimum Common Equity Tier 1 (CET1) ratio for banks?

A bank's Net Interest Margin (NIM) decreased from 3.2% to 2.8% YoY. If gross advances are ₹400,000 crore, what is the approximate impact on net interest income?

If a bank's loan-to-deposit ratio increased from 0.72 to 0.81 in one year, and deposits grew by 12%, approximately by what percentage did loans grow?

Study complex data: Bank A has ROA of 1.2% with assets of ₹5 lakh crore. Bank B has ROA of 0.9% with assets of ₹8 lakh crore. Which bank generated more absolute profit, and by how much?

A bank's Interest Coverage Ratio (ICR) is 3.5x. If interest expenses are ₹2,800 crore, what is the approximate profit before interest and taxes (EBIT)?

A bank's Gross Non-Performing Assets (GNPA) ratio increased from 2.1% in FY2023 to 2.8% in FY2024. If the total advances are ₹5,00,000 crore, what is the absolute increase in GNPA amount?

Under Basel III norms applicable to Indian banks, what is the minimum Common Equity Tier 1 (CET1) capital ratio requirement?

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.

Analyze the quarterly data: A bank's Net Interest Income (NII) was ₹12,000 crore (Q1), ₹13,200 crore (Q2), ₹14,520 crore (Q3), and ₹15,972 crore (Q4). What is the growth pattern?