1. Indian Commercial Banks are categorized into:
a) Public sector Banks
b)Foreign Banks
c) Private Sector Banks
d) All of the above
e) None
2. Regional Rural Banks have been set up with the basic objectives of:
a) Providing credit to semi - urban & urban population
b) Providing deposits facilities to farmers
c) Providing credit & deposit facilities to rural areas
d) providing credit, deposit and other banking facilities to people in rural areas
e) None
3. _____ is raised in capital markets
a) Funds through long term securities
b) Long term loans through Govt. securities
c) medium term loans
d) Short - term instruments
e) None
4. Interest on Government securities on fixed basis is known as:
a) Bank rate
b) Coupon
c) Prime Lending Rate
d) Benchmark PLR
e) None
5. __ was not nationalized in 1969:
a) Punjab National Bank
b) Oriental Bank of commerce
c) Bank of Baroda
d) Union Bank of India
e) None
6. In the first round 14 major banks with a liability base of ____ were nationalized:
a) 10 crore or more
b) 20 crore or more
c) 50 crore or more
d) 100 crore or more
e) None
7. _____ do not attract TDS:
a) Fixed deposits
b) Reinvestment deposits) NRO SB
d) NRO FDR
e) Recurring deposits
8. SLR is maintained as a percentage of:
a) Time liabilities
b) Demand liabilities
c) Time and Demand liabilities
d) Gross time and demand liabilities
e) Net demand and time Liabilities
9. The maximum Statutory Liquidity Ratio to be maintained by banks is_____:
a) 25%
b) 30%
c) 35%
d) 40%
e) None
10. CRR funds are kept by the Banks in ____:
a) Cash in hand at branches
b) Balance with other banks
c) Balance in a special Account with RBI
d) Funds in the currency chest
e) None
11. An increase in CRR by RBI leads to:
a) Decrease in deposit
b) increase in deposit
c) Increase in lendable resources
d) Decrease in lendable resources
e) None
12. When RBI reduce the CRR it results into:
a) Decrease in deposit
b) increase in deposit
c) Increase in lendable resources
d) Decrease in lendable resources
e) None
13. What is meant by development Oriented banking:
a) Infrastructure financing
b) Extending loans to States, which are undevelopment
c) Taking up the task of development of the economy by providing support to under privileged sections of the society
d) All the above
e) None
14. Principal functions of SIDBI:
a) Promotion of SSI
b) Finance of SSI
c) Development of SSI
d) All the above
e) None
15. ____ heads and conducts the affairs of RBI:
a) Central Board
b) local board
c) Regional board
d) All of the above
e) None
16. RBI Provides ____ for meeting day - to - day receipt and expenditure mismatch to both Central and State Governments:
a) treasury bills
b) Ways and Means advance
c) date and securities
d) All the above
e) None
17. RBI known as lender of last resort because:
a) It has to meet the credit need of citizens to whom no one else is willing to lend
b) Banks lend to go to RBI as a last resort
c) It comes to help banks in times of crisis
d) All of the above
e) None
18. These days RBI uses Selective credit control measures rather infrequently because of:
a) Deregulation of functions
b) Autonomy given to banks
c) Comfortable liquidity
d) Reasonable inflation level
e) All the above
19. Which is incorrect with regard to powers of RBI:
a) Holds cash reserve banks
b) Controls banking system through licensing
c) Supervises Banking system through inspection
d) None of the above
e) All
20.Intervenes in markets to maintain the external value of the Indian rupee:
a) Exporters
b) Importers
c) RBI
d) IMF
e) None
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