Bank PO / Clerk / RBI - MCQ Practice Questions

A bank processed 50,000 digital transactions in Q1 2024 out of 200,000 total transactions. In Q2, digital transactions increased by 20% while total transactions increased by 10%. What is the new percentage of digital transactions?

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

Bank M's Loan-to-Deposit Ratio (LDR) increased from 78% to 85% over one year. What does this trend indicate?

If Bank N's Asset Quality Ratio (percentage of standard assets to total assets) declined from 96% to 93% in one quarter, which of the following is the most likely reason?

According to the RBI's Liquidity Coverage Ratio (LCR) framework for 2024, banks must maintain liquid assets sufficient to survive how many days of stressed cash outflow?

Bank O's Advances grew by 15% while Deposits grew by 10% in 2024. If this trend continues, what risk does the bank face?

In a Data Interpretation question, Bank P's quarterly profit was ₹500 crore in Q1, ₹600 crore in Q2, and ₹720 crore in Q3 2024. What is the average quarterly growth rate?

Which RBI framework requires banks to maintain a minimum percentage of deposits as Statutory Liquidity Ratio (SLR)?

Bank Q's Cost-to-Income Ratio (CIR) is 42%. What does this indicate about its operational efficiency?

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?

Bank R has Tier 1 capital of ₹5,000 crore, Tier 2 capital of ₹2,000 crore, and total risk-weighted assets of ₹70,000 crore. What is the bank's CAR?

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?

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?

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

Bank T's Return on Assets (ROA) is 1.2% and its Equity Multiplier is 12x. What is the bank's Return on Equity (ROE)?

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

If the Reserve Ratio (RRR) is reduced by the RBI, which immediate effect is most likely on the banking system?

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%?

Which of the following is NOT a component of Tier 1 Capital under Basel III norms?