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August 16, 2016

Banking Awareness Quiz - Set 85

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  1. Which among the following is NOT the outcome of decrease in prime lending rate ?
    1. to raise the bank loan
    2. decline in saving rate
    3. decline in productivity
    4. incrased demand of consumer products
  2. The major aim of devaluations is to :
    1. encourage imports
    2. encourage exports
    3. encourage both exports and imports
    4. discourage both exports and imports
  3. What is USP in marketing field ?
    1. Uninterrupted Power Supply
    2. Universal Standars of Production
    3. US Programme based
    4. Unique Selling Proposition
  4. When too much money is chasing too few goods, the situation is ?
    1. deflation
    2. inflation
    3. recession
    4. stagflation
  5. Which of the following groups suffer the most from inflation
    1. Debtors
    2. Creditors
    3. Business class
    4. Holders of real assets
  6. What is "narrow money" ?
    1. The sum of currency in circulation and the demand deposits in banks
    2. The sum of M1 money and the time deposits
    3. The sum of currency in circulation with the public and the cash reserves held by banks
    4. The market value of the stocks held by all the holders excluding the promoters
  7. The main source of long-term credit for a business unit is ?
    1. sale of stocks and bonds to the public
    2. borrowing from banks
    3. loans from the Government
    4. deposits from the public and financial institutions
  8. Devaluation of money means :
    1. decrease in the internal valua of money
    2. decrease in the external value of money
    3. decrease in both internal and external value of money
    4. the government takes back currency notes of any denominations
  9. Bank rate is that rate on which
    1. Any bank lends money to an individual
    2. State Bank of India gives loan to the rural banks
    3. Central Bank of Country lends money to the commercial banks
    4. Rural bank gives loan to cooperative societies
  10. Devaluation usually causes the internal prices to :
    1. fall
    2. rise
    3. remain unchanged
    4. none of these
  11. Who are the creditors of a Corporation ?
    1. Bond holders
    2. Stock holders
    3. Both Bond and Stock holders
    4. Holders of preferred stock
  12. The ratio of a banks cash holdings to its total deposit liabilities is called the
    1. Variable Reserve Ratio
    2. Cash Reserve Ratio
    3. Statutory Liquidity Ratio
    4. Minimum Reserve Ratio
  13. Bank Rate is the rate of interest at
    1. at which public borrows money from commercial banks
    2. at which public borrows money from RBI
    3. at which commercial banks borrow money from RBI
    4. at which commercial banks borrow money from the public
  14. Which of the followign can be used for checking inflation temporarily ?
    1. increase in wages
    2. decrease in money supply 
    3. decrease in taxes
    4. none of these
  15. A commercial bank law creates credit only if it has 
    1. Cash in the vault
    2. Excess reserves 
    3. Permission of Reserve Bank of India
    4. Cooperation of other banks

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