Bank PO / Clerk / RBI - MCQ Practice Questions

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?

Examine the data: Bank X reported ₹5,000 crores in gross advances with ₹150 crores in gross NPAs. The bank maintained a provision coverage ratio of 65%. Calculate the net NPA amount.

Under RBI's revised norms for 2024, what is the minimum Common Equity Tier 1 (CET1) ratio that banks must maintain?

Bank C's Loan-to-Deposit Ratio (LDR) increased from 78% to 83% in Q3 2024. What risk does this indicate?

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

Bank D's Earning Per Share (EPS) grew from ₹45 to ₹54 between FY2023 and FY2024. The stock price remained at ₹1,080. What is the Price-to-Earnings (P/E) ratio for FY2024?

Bank E's Return on Equity (ROE) decreased from 16.2% to 14.8% in Q3 2024 despite profit increase. What is the most likely reason?

According to RBI's latest circular on Liquidity Coverage Ratio (LCR) for 2024, what is the minimum percentage?

Bank F's Advances increased by ₹8,500 crores while Deposits increased by ₹6,200 crores in FY2024. What does this indicate about the bank's funding strategy?

What is the primary objective of Basel III framework implementation in Indian banking?

Bank G's Interest Coverage Ratio dropped from 8.5x to 6.2x year-on-year. What does this suggest?

Under RBI's Know Your Customer (KYC) norms 2024, what is the maximum cash deposit limit for new accounts without enhanced documentation?

Bank H's Net Interest Spread (NIS) narrowed from 2.4% to 2.1% in Q3 2024. What market condition likely caused this?

Analyze the scenario: Bank I has ₹50,000 crores in total advances with sector-wise distribution - Agriculture 12%, MSME 18%, Services 35%, Manufacturing 25%, Others 10%. If the bank needs to increase agriculture lending by 5% of total advances, what is the required additional disbursement?

Which of the following is the correct sequence of RBI's regulatory hierarchy for bank compliance?

Bank J reported Capital Adequacy Ratio (CAR) of 15.2% with CET1 of 9.5%, Tier 1 of 11.8%, and Tier 2 of 3.4%. Is the bank compliant with Basel III norms?

Bank K's Consumer Advances grew from ₹12,000 crores to ₹14,800 crores while maintaining the same default rate of 1.2%. What was the increase in absolute NPA amount?

Bank X's Loan-to-Deposit (LTD) ratio stood at 78% as of March 2024. If the bank's total deposits increased by ₹5,000 crores in Q1 FY2025 while maintaining the same LTD ratio, by how much would the advances increase?

According to RBI's Monetary Policy 2024-25, the Statutory Liquidity Ratio (SLR) for Scheduled Commercial Banks was set at 18%. Bank Y maintains SLR compliance through Government securities worth ₹45,000 crores. What is Bank Y's approximate total liabilities?