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September 14, 2015

Banking Awareness Quiz for IBPS Bank Exams 2015 - Set 62

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  1. The Reserve Bank of India (RBI) revised guidelines for lending to the priority sector on 2nd March 2015. Now, loans to which of the following sectors come under the ambit of priority sector lending ?
    1. Medium Enterprises 
    2. Sanitation 
    3. Renewable energy 
    4. All the above 
    5. Only 2 & 3
  2. In the priority sector lending target for scheduled banks for agriculture sector, the RBI has recommended a sub target of what percent of adjusted net bank credit (ANBC) for small and marginal farmers ?
    1. 8%
    2. 10%
    3. 12%
    4. 18%
    5. 20%
  3. In banking, IFSC Code stands for 
    1. International Forex System Code 
    2. Indian Financial System Code 
    3. Indian Function System Code 
    4. International Format System Code 
    5. None of these 
  4. Who is always a drawee of a cheque ?
    1. Bank
    2. The one who writes the cheque 
    3. The one who receives payment 
    4. The one who writes and deposits the cheque
    5. None of these 
  5. What is the percentage of shareholding of the concerned State Govt in Regional Rural Banks ?
    1. 100%
    2. 50%
    3. 75%
    4. 15%
    5. 35%
  6. Every bank branch is given a unique MICR code and this helps the RBI identify the bank branch and speed up the clearing process. The MICR code has how many digits in it ?
    1. Three
    2. Four 
    3. Five 
    4. Seven 
    5. Nine 
  7. The Indian Railways has launched prepaid RuPay debit card for ticket booking and purchasing on IRCTC site. This pre-paid card has been launched in association with ______
    1. Bank of India 
    2. Bank of Baroda 
    3. Union Bank of India 
    4. ICICI 
    5. Central Bank of India 
  8. The RBI on 1st March approved the merger of which of the following banks with the Kotak Mahindra Bank which will create three fourth largest private sector lender in the country ? 
    1. Yes Bank
    2. InduInd Bank 
    3. ING Vysya Bank 
    4. Federal Bank 
    5. Axis Bank 
  9. The Insurance Australian Group  has announced to raise its stake from 26 percent to 49 percent in the general insurance joint venture with _________
    1. HDFC 
    2. Punjab National Bank 
    3. ICICI 
    4. State Bank of India 
    5. None of these 
  10. Which of the following banks, promoted by the Govt, is going to offer loan products named "Shishu", "Kishor" and "Tarun" to small / micro entrepreneurs ? 
    1. SIDBI
    2. SBI
    3. PNB
    4. MUDRA 
    5. IDBI
  11. Which of the following types of banks in India does not completely come under the control of the Reserve Bank of India (RBI) ?
    1. State Bank of India 
    2. Private Sector Banks 
    3. Foreign Banks 
    4. Regional Rural Banks 
    5. Co-operative Banks 
  12. In International Banking terms, 'appreciation' of rupee means ?
    1. Excess of exports over imports 
    2. Purchasing power of rupee has come down 
    3. Availability of less foreign currency vis-a-vis rupee 
    4. Excess of imports over exports 
    5. Availability of more foreign currency vis-a-vis rupee
  13. Generally banks face a credit risk when ?
    1. Customer defaulting to repay the loan 
    2. Banks lend money to RBI 
    3. Banks lend money to government 
    4. Credit given to the customer 
    5. All of these
  14. Which public sector bank is the leader in mobile banking business in India ?
    1. ICICI 
    2. HDFC 
    3. SBI
    4. Axis Bank 
    5. None of these 
  15. Which bank is appointed to take care of refunding excess income tax paid to tax payers ?
    1. ICICI Bank 
    2. Axis Bank 
    3. PNB
    4. HDFC 
    5. SBI
  16. When a bank returns a cheque unpaid, it is called ?
    1. Payment of cheque 
    2. Dishonor of cheque 
    3. Cancelling of cheque 
    4. Drawing of cheque 
    5. None of these 
  17. Which of the following is not a banking organization ?
    1. ICICI PRUDENTIAL
    2. AXIS Bank
    3. KOTAK MAHINDRA
    4. ICICI BANK
    5. HDFC BANK
  18. What is the maximum number of Official Directors in RBI's Central Board of Directors ?
    1. One
    2. Two
    3. Four 
    4. Five
    5. Seven
  19. Which among the following is NOT a function of RBI ?
    1. To work as monetary authority and implement it's Monetary Policy 
    2. To serve as issuer of bank notes
    3. Serve as banker to Central & State governments
    4. Serve as debt manager to other banks 
    5. None of these 
  20. Who appoints the governor of Reserve Bank of India ?
    1. President of India 
    2. Prime Minister of India
    3. Central Government 
    4. Vice President of India
    5. Finance Ministry of India

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