Bank PO / Clerk / RBI - MCQ Practice Questions

A bank offers 8.5% p.a. interest on deposits compounded quarterly. What will be the effective annual rate (EAR)?

What is the current mandatory Cash Reserve Ratio (CRR) set by RBI as per 2024-2025 guidelines?

Bank X's total deposits are ₹2,50,000 crores with advances of ₹1,87,500 crores. What is the bank's Loan-to-Deposit Ratio (LDR)?

Which banking regulation requires banks to maintain a minimum Statutory Liquidity Ratio (SLR)?

A bank's Capital Adequacy Ratio (CAR) is 15.2%. Under Basel III, which tier of capital primarily contributes to this ratio?

If a bank's Cost-to-Income ratio is 42%, what does this indicate about its operational efficiency?

Which of the following is a feature of India's Insolvency and Bankruptcy Code (IBC), 2016?

A bank's Non-Performing Asset (NPA) ratio is 2.8%. Which of the following asset classification would NOT be included in this calculation?

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

Bank Y's Earnings Per Share (EPS) increased from ₹45 to ₹54 year-on-year. What is the percentage growth in EPS?

Which RBI initiative aims to provide affordable credit to the unbanked and underbanked population through banks?

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?

Under the RBI's Digital Rupee (e₹) initiative, which of the following is a primary objective?

If a bank's Return on Equity (ROE) is 18% and its Equity Capital is ₹5,000 crores, what is its Net Profit?

Which government scheme provides deposit insurance coverage up to ₹5 lakh per depositor per bank?

In data interpretation, if Bank P's market share increased from 8.5% to 9.8% and total market size is ₹50,00,000 crores, what is the increase in Bank P's market share value in crores?

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

Bank Z's Interest Coverage Ratio (ICR) is 8.5x. What does this indicate regarding the bank's debt servicing capability?

If Bank X's Current Ratio is 1.8 and its Quick Ratio is 1.2, what can be inferred about the bank's liquidity position?

In 2024, the RBI mandated that banks maintain a minimum Capital Adequacy Ratio (CAR) of what percentage under Basel III framework?