WorksheetsPPT QUIZ DAY 7 OFFICERS BARODA ACADEMY AHMEDABAD
Total questions: 120
Worksheet time: 3600secs
Name
Class
Date
1.
Which EASE norms are applicable, as on today?
a)
2
b)
3
c)
4
d)
5
2.
Which of the following is not one of the themes of the latest applicable EASE norms?
a)
Big Data and Analytics
b)
Data Enabled Agriculture Financing
c)
Employee Development and Governance
d)
Modern Technology Capabilities
3.
Which Bank received the first prize among PSBs, for the best overall performance on “PSB Reforms EASE Agenda 4.0”?
a)
SBI
b)
BOB
c)
PNB
d)
CANARA
4.
“S” in “EASE” stands for ------------
a)
Service
b)
Sector
c)
Section
d)
Social
5.
What is the name of the expanded version of EASE reforms, applicable from FY 2022?
a)
EASEFuture
b)
EASEGen
c)
EASENext
d)
EASE 6.0
6.
EASE reforms are applicable to -----
a)
Private Sector Banks
b)
Public Sector Banks
c)
Both Private and Public Sector Banks
d)
None of the above
7.
With reference to EASE reforms, “N” in “CLEAN” stands for -------------
a)
NPA recovery
b)
Neo Banking
c)
Nation-wide Coverage
d)
New Technology Adoption
8.
With reference to EASE reforms, “S” in “SMART” stands for -------------
a)
SPEEDY
b)
SERVICE
c)
STRENGTHENING
d)
SECTORAL
9.
Which of the following organizations oversees EASE reforms?
a)
RBI
b)
IIBF
c)
NIBM
d)
IBA
10.
In which year, the EASE reforms were first launched ?
a)
2017
b)
2018
c)
2019
d)
2020
11.
The Incoterm FOB stands for :-
a)
Free On Board
b)
Freight On Board
c)
Free Original Board
d)
Freight Over Board
12.
FATF stands for
a)
Financial Action Task Force
b)
Financial Actuaries Task Force
c)
Financing Actual Trade Force
d)
Final Approval of Trade Finance
13.
Evidence of Import is --------
a)
Bill of Entry
b)
Bill of Exchange
c)
Airway Bill
d)
Certificate of Origin
14.
Our bank started its first overseas branch/office in the year _____.
a)
1951
b)
1952
c)
1953
d)
1954
15.
Obligor rating indicates ---------
a)
Probability of Default
b)
Loss given Default
c)
Expected Loss
d)
Unexpected Loss
16.
Out of following, which is not an approved credit rating agency, by RBI:-
a)
CIBIL
b)
CRISIL
c)
ICRA
d)
CARE
17.
As per Basel III norms, Banks are required to maintain Capital Conservation Buffer of ----------------% of Risk Weighted Assets.
a)
1
b)
1.5
c)
2
d)
2.5
18.
The cause in Operational Risk is not :
a)
People
b)
System
c)
process
d)
External Event
19.
Which committee in our Bank oversees credit risk management function in the Bank:-
a)
Credit Policy Committee
b)
Management Committee of Board
c)
Credit Approval Committee of Board
d)
COCC-ED
20.
"Rotation of staff” is a mitigation of which type of risk?
a)
Operational Risk
b)
Credit Risk
c)
Liquidity Risk
d)
Management Risk
21.
Risk of non-renewal of document is a
a)
Credit risk
b)
Market risk
c)
Operational risk
d)
Industry Risk
22.
What is net interest income?
a)
Interest earned on advances
b)
Interest earned on investments
c)
Total of interest on advances and investments
d)
Difference of interest income and interest expenses
23.
Maturity Mismatch is an example of ----
a)
Liquidity risk
b)
Interest rate risk
c)
Exchange risk
d)
Commodity risk
24.
Facility rating indicates ________
a)
Loss given default
b)
Probability of default
c)
Expected loss
d)
Unexpected Loss
25.
Unhedged Foreign Currency Exposure is
a)
Market Risk
b)
Financial Risk
c)
Management Risk
d)
Industry Risk
26.
Which among following is not an aspect of liquidity risk:-
a)
Composition of bulk deposits
b)
Asset liability management
c)
Short term liabilities
d)
Insurance of assets
27.
Full form of RAROC is:-
a)
Risk Adjusted Return of Corporate
b)
Risk Adjusted Return on Capital
c)
Risk Adjusted Registration of Charges
d)
Risk And Return Over Capital
28.
As per our Bank’s policy, the periodicity of inspection of securities is based on:-
a)
Obligor Rating
b)
Facility Rating
c)
Composite Rating
d)
All of the above ratings
29.
Which among the following is related to credit risk?
a)
Risk due to internal failure and systems
b)
Risk due to frauds committed by the bank staff
c)
Risk due to fluctuations of equity price
d)
Risk due to inability of the borrower to repay interest and instalments
30.
In LC transaction, beneficiary is :-
a)
Seller/ Exporter
b)
Buyer/ Importer
c)
Importer’s bank
d)
Exporter’s bank
31.
The transaction entered today for settlement on 3rd working day (T + 2) is called :-
a)
Spot transaction
b)
Forward transaction
c)
Future transaction
d)
Swap transaction
32.
IEC (Import Export Code) is mandatory for:-
a)
Exporters only
b)
Importer only
c)
One who is exporter and importer both.
d)
Both importer and/or exporter
33.
In USD/INR quote in INDIA, USD is________ currency
a)
Base
b)
Home
c)
Cross
d)
Foreign
34.
Which pair of currency is cross currency?
a)
USD INR
b)
GBP INR
c)
JPY INR
d)
EUR USD
35.
Which is not a Derivative Product
a)
Spot
b)
Forward Contract
c)
Option
d)
Swaps
36.
The right to buy an underlying is called a _____
a)
Future
b)
Put option
c)
Swap option
d)
Call option
37.
The method of payment where the exporter relies on the undertaking of a bank to pay is
a)
Bank guarantee
b)
Acceptances
c)
Letter of comfort
d)
Letter of credit
38.
A Letter of Credit is generally opened on behalf of
a)
Exporter
b)
Importer
c)
Indenting agent
d)
Both importer and exporter
39.
The Incoterm CIP stands for :-
a)
Cost Input
b)
Cost and Insurance Place
c)
Carriage and Insurance
d)
Carriage and Insurance Paid
40.
Trade Credit includes
a)
Supplier‟s Credit
b)
Buyer‟s Credit
c)
Both Suppliers & Buyers Credit
d)
Standby Letter of Credit
41.
In Bank of Baroda we have a comprehensive compliance policy. What is the minimum timeline for its review
a)
At least once in a quarter
b)
At least once in half year
c)
At least once in a year
d)
At least once in 1.5 year
e)
At least once in two year
42.
In our Bank the Board shall review compliance function on a _______
a)
Monthly Basis
b)
Bi monthly Basis
c)
Quarterly Basis
d)
Half Yearly Basis
e)
Yearly Basis
43.
What is the tenure for appointment of CGCO
a)
The CGCO shall be appointed for a minimum fixed tenure of not less than 1 years.
b)
The CGCO shall be appointed for a minimum fixed tenure of not less than 2 years.
c)
The CGCO shall be appointed for a minimum fixed tenure of not less than 3 years.
d)
The CGCO shall be appointed for a minimum fixed tenure of not less than 4 years.
e)
The CGCO shall be appointed for a minimum fixed tenure of not less than 4 years.
44.
The CGCO may be transferred / removed before completion of the tenure only in exceptional circumstances with the explicit prior approval of the
a)
Board
b)
MD & CEO
c)
Executive Director
d)
Committee headed by ED
e)
Committee headed by MD
45.
The CGCO shall be a senior executive of the Bank, preferably in the rank of a General Manager or an equivalent position (not below
a)
ONE levels from the MD & CEO)
b)
TWO levels from the MD & CEO)
c)
THREE levels from the MD & CEO)
d)
FOUR levels from the MD & CEO)
e)
FIVE levels from the MD & CEO)
46.
Under Baroda Auto Loan for non individual the tangible net worth should be ______ times the loan amount in cases of proposals with CMR 3 rating
a)
5
b)
10
c)
15
d)
20
47.
______________ Portal is developed to function as a single portal for processing all 'Credit Link
Government Schemes
a)
JanSamarth
b)
VidyaLakshmi
c)
Vidyasamarth
d)
Janvidhya
48.
In order to claim subsidy under
"Padho Pradesh interest Subsidy" Scheme students to route their applications under which portal
a)
VidyaLakshmi
b)
JanSamarth
c)
Vidyasamarth
d)
Janvidhya
49.
For Baroda Auto Loan, the maximum loan limit that can be sanctioned under RMCC is
a)
Rs. 50 lacs -100 lacs
b)
Rs. 100-200 lacs
c)
Rs. 200 lacs -300 lacs
d)
Rs. 300 lacs -500 lacs
50.
Members of which institution are eligible for concession in Auto loan
a)
ICAI
b)
ICSI
c)
IIM
d)
IIT
51.
Account holders of Baroda Salary Super account (SB 175) are eligible to a concession in processing charges up to what %?
a)
0.25
b)
0.5
c)
0.75
d)
1
52.
The scheme code for Baroda Yoddha Premium Education Loan (Domestic)
a)
LA284
b)
LA285
c)
LA286
d)
LA280
53.
Under Baroda Loan against Future Rent Receivable Scheme (Retail segment), the minimum CIBIL score which can be considered is
a)
600
b)
650
c)
700
d)
720
54.
Under Baroda Loan against Future Rent Receivable Scheme (Retail segment), the value of leased properties should be at least ___________ times of the loan
amount.
a)
1
b)
1.25
c)
1.5
d)
1.75
55.
Which field required to be entered In CERSAI portal, which will help in enriching the data from backend by owner vertical
a)
PAN No
b)
Mobile No
c)
Account no
d)
LAD
56.
Which is the best external rating, for long term credit facilities?
a)
A
b)
AAA
c)
AA
d)
BBB
57.
For 5 cr and above exposures, CRILC report should be generated
a)
monthly
b)
quarterly
c)
half yearly
d)
yearly
58.
"E" in "LEI" represents ---------
a)
Enterprise
b)
Entity
c)
Economic
d)
Entrepreneur
59.
Which is the best internal credit Obligor rating of our Bank?
a)
BOB-1
b)
CR-1
c)
FR-1
d)
AAA
60.
Total Fund based working capital limit of corporate customer is Rs.100 crore. Customer has declared utilization of Rs. 70 cr in QIS while average utilization is 55 cr how much commitment charges will be levied to customer
a)
No commitment charges
b)
commitment charges on 5 cr
c)
commitment charges on 15 cr
d)
on total utilized portion
61.
__________ menu in Finacle is used for account related information pertaining to a customer to flow to e-banking servers
a)
HBDTM
b)
ACUID
c)
BCPD
d)
HDCR
62.
A 70 year aged Karta of a HUF wants to submit a form for non- deduction of TDS for deposits held in the name of HUF, which form can be submitted by him?
a)
15G
b)
15H
c)
GDR
d)
None of the above
63.
A fixed deposit receipt is maturing for payment on Sunday. It shall be deemed to be payable with interest on:
a)
succeeding day i.e.
Monday
b)
same day
c)
preceding day i.e.
Saturday
d)
any day after that
64.
a separate menu ________ menu has been developed in FINACLE system for easy monitoring of Current Accounts at the branch level
a)
HCFLAFCA
b)
CAMONITOR
c)
MONITCA
d)
ACFLAGCA
65.
According to RBI definition under RBI (Interest Rate on Deposits) Directions 2016, bulk deposit means:
a)
single rupee term deposit of Rs.15 lac and above
b)
single rupee deposit balance of Rs.15 lac and above
c)
single rupee term deposit of Rs.2 cr and above
d)
single rupee deposit balance of Rs.2 cr and above
66.
All important documents, legal papers, hardware to be kept in fire resisting cabinets of atleast
a)
5 hours fire resisting rating
b)
4 hours fire resisting rating
c)
3 hours fire resisting rating
d)
2 hours fire resisting rating
67.
Amount of tax liability at source in case of Baroda NRE Term deposit MIP (TD202) is
a)
0.1
b)
0.2
c)
0.33
d)
No Tax liability
68.
Annual Fees of bob World Sapphire Card -Debit Card
a)
750
b)
500
c)
250
d)
1000
69.
As per bank's extent guidline, penalty at ther rate of ______ % on applicable ROI for which deposit is remained with us will be lavied for premature withdrawal of deposit of Rs. 1.00 Cr & above
a)
1
b)
0.5
c)
1.5
d)
only prior notice required
70.
As per Current account NEED for Discilpine latest guidelines, Entities having credit exposure less than Rs …..Crore including CC/OD from Banking system, account can be opened after obtaining undertaking .
a)
1
b)
2
c)
5
d)
10
71.
As per extant guidelines, PAN or AADHAAR is mandatory for cash deposits/withdrawals aggregating Rs. ______ lakh or above during one FY and opening of current/ cash credit account.
a)
5
b)
10
c)
20
d)
50
72.
As per RBI guidelines on Current Account opening by Banks and FIs, If there is a change in exposure of a particular bank or aggregate exposure of the banking system to the borrower which warrants implementation of new banking arrangements, such changes shall be implemented within a period of _______ months from the date of such monitoring
a)
1
b)
2
c)
3
d)
6
73.
Bank has introduced a new menu for cancellation of CBS demand draft and banker cheque is
a)
DDBCX
b)
BCDDX
c)
DDBCD
d)
BCDDD
74.
Bank has launched "ESCROW Current Account"-CA126 for Project financing loan repayment, Internet Payment gateways etc for Developers/Corporates and others. What is the minimum balance for this account?
a)
Non Minimum
Balance
Required
b)
Rs.1 Lakhs
c)
Rs.2.5 lakhs
d)
Rs.5 lakhs
75.
Bank has obtained Inusrance for Fraudulent Debit card transactions from which company for the year 2022-23?
a)
New India Assurance Co. Ltd
b)
Tata Aig general Insurance Co.
c)
National Insurance Co. Ltd
d)
Chola Mandalam
76.
Up to what limit, penal interest is not charged in Agriculture Accounts?
a)
Rs. 25000
b)
Rs.50000
c)
Rs. 1 lacs
d)
Rs. 1.60 lacs
77.
What is the amount of life insurance cover to the beneficiary under PMJDY Scheme?
a)
Rs 20,000/-
b)
Rs 25,000/-
c)
Rs 30,000/-
d)
Rs 1,00,000/-
78.
What is the beneficiary contribution in PMEGP as percentage of project cost?
a)
10% for general & Special category
b)
5% for general & Special category
c)
10% for general & 5 % for Special category
d)
5% for general & NIL for Special category
79.
Before sanction of loan a SHG is graded on 10 parameters. The SHG having minimum -----% marks will be eligible for finance
a)
40
b)
50
c)
60
d)
75
80.
As per renewed Food & Agro Based Scheme, various benefits/concession/relaxations available under the scheme area available upto an aggregate sanctioned limit of Rs. ______ per borrower with our Bank.
a)
Rs. 10 Crore
b)
Rs. 25 Crore
c)
Rs. 50 Crore
d)
Rs. 100 Crore
81.
Under New tractor loan scheme applicant should be local resident for a period of at least ___ years in service area of branch?
a)
6 Months
b)
1 Year
c)
2 Years
d)
3 Years
82.
A BKCC farmer is having limit of Rs 450000/- may be sanctioned Tatkal Loan of Rs ______ for his immediate need.
a)
50000
b)
100000
c)
200000
d)
225000
83.
What is the minimum and maximum loan limit under the Overdraft Scheme for working capital assistance to Poultry Units?
a)
Rs. 1 Lakh & Rs. 1 Crore
b)
Rs. 1 lakh & Rs. 10 Crore
c)
Rs. 1 lakh & Rs. 10 Crore
d)
Rs. 10 Lakh & Rs. 10 Crore
84.
If the customer has availed of a gold loan of Rs. 2.50 lakhs in July 2022. Now the same customer has sanctioned another loan of Rs. 2 lakhs, then processing charges are to be calculated for _______. (Processing charges are waived up to Rs 3 lakhs).
a)
The newly availed limit for i.e. Rs. 2 lakh.
b)
The full limit i.e. Rs. 4.50 lakh.
c)
The limit above Rs. 3 lakh i.e. Rs. 1.50 lakh.
d)
No processing charges are to be applied.
85.
Which among the following activity/ies can be financed as per the scheme for Financing under Agriculture Infrastructure Fund?
a)
Commercial Dairy Farms
b)
Commercial Poultry Farms
c)
Commercial Fish Farming
d)
Post-Harvest Management Projects
86.
What is the maximum per transaction limit in cash recycler in account where PAN in CBS is not registered for card less transaction ?
a)
Rs. 10000/-
b)
Rs. 20000/-
c)
Rs. 49900/-
d)
Rs. 200000/-
87.
Non-Bank owned ATM is also called?
a)
White Label ATM
b)
Brown Label ATM
c)
Red Label ATM
d)
Black Label ATM
88.
What is the number of free transaction on other bank ATM in metro cities for SB account holders?
a)
Unlimited
b)
3
c)
5
d)
10
89.
What is the maximum per day limit in cash recycler in account where PAN in CBS is not registered for card less transaction?
a)
Rs. 10000/-
b)
Rs. 20000/-
c)
Rs. 49900/-
d)
Rs. 200000/-
90.
Which ATM related activity comes under Zero Tolerance Area?
a)
Hotlist the ATM/Debit cards after 60 days if not delivered
b)
Destroy ATM/Debit cards after 90 days if not delivered
c)
Destroy ATM/Debit card PINs after 60 days if not delivered
d)
Hotlist the ATM/Debit card after 90 days if not delivered
91.
What is the number of free transaction on other bank ATM in other than metro cities for SB account holders?
a)
Unlimited
b)
3
c)
5
d)
10
92.
What is the maximum per day limit in cash recycler in account where PAN in CBS is registered ?
a)
Rs. 100000/-
b)
Rs. 200000/-
c)
Rs. 500000/-
d)
Unlimited
93.
What are the charges for non- Financial transactions after free transactions on Bank of Baroda ATM?
a)
Rs. 10 + GST
b)
Rs. 20 +GST
c)
Rs. 5 + GST
d)
NIL
94.
What are the charges for Financial transactions after free transactions on Bank of Baroda ATM?
a)
Rs. 10 + GST
b)
Rs. 20 +GST
c)
Rs. 5 + GST
d)
NIL
95.
What is the name of rewards and loyalty program launched on bob World platform?
a)
bobWORLD loyalty program
b)
bobWorld rewards and loyalty program
c)
bobWorld benefits program
d)
bobWorld rewards and benfit program
96.
“CAVEAT Emptor” is stated in :-
a)
Sale of Goods Act
b)
NI Act
c)
Transfer of Property Act
d)
Information Technology Act
97.
Matured term deposit but not paid is a/an
a)
Time liability
b)
demand Liability
c)
contingent liability
d)
no liability
98.
Which section of Negotiable Instruments Act 1881, deals with penalties in case of dishonour of cheques:-
a)
Section 6
b)
Section 1
c)
Section 81
d)
Section 138
99.
On a cheque issued by a customer, the words “bearer or order” are not written. This cheque will be treated as :-
a)
To be returned
b)
Non negotiable cheque
c)
This is not a valid cheque
d)
None of the above
100.
Which of the following cannot be endorsed:-
a)
Fixed Deposit Receipt
b)
A bank draft
c)
A promissory note
d)
A Usance Bill of Exchange
101.
Which of the following is required to be done for a customer before offering a Life insurance product?
a)
Sustainability analysis
b)
Suitability analysis
c)
Requirement analysis
d)
Compliance analysis
102.
BAMIL recently merged with which of the below companies?
a)
JM Financial Asset Management India Private Limited
b)
BBNP Paribas Asset Management India Private Limited
c)
Indiafirst Asset Management Private Limited
d)
Carmel Point Investments India Private Limited
103.
What was the Minimum qualifying targets for urban Branches for each Swasthya Diwas
a)
20000
b)
15000
c)
11000
d)
5000
104.
Mr. Ramesh is a pensioner aged 82 of one of our branch, he is allowed to submit his Life Certificate every year on or after __________ date and the same will be valid till ____________ date of the subsequent year
a)
1st October, 31st October
b)
1st November, 30th November
c)
1st November, 31st October
d)
1st October, 30th November
105.
Which among the following statements related to APY is correct:
a)
APY subscriber can increase or decrease his monthly contribution, only once in year during the month of April Only
b)
APY subscriber can increase or decrease his monthly contribution,only once in year during the month of January Only
c)
APY subscriber can increase or decrease his monthly contribution, only once in Lifetime.
d)
APY subscriber can
increase or decrease
his monthly
contribution, only
once in a year
106.
Which of the following platform was rolled out by CCIL to enable retail customers to cover their forex exposures and get market linked rates for their USD remittances?
a)
FX-Retail
b)
FX-Corporate
c)
OctaFX
d)
Capital FX
107.
The corrospondent bank for Euro currency is
a)
BOB Brussels
b)
StanChart Bank, Frankfrut
c)
Citi Bank, Brussals
d)
JPMorgan Bank, Frankfrut
108.
UFCE refers to
a)
Unreconsiled Foreign Currency Entries
b)
Unutilised Forward Contract Exposure
c)
Unhedged Foreign Currency Exposure
d)
Unutilised Foreign Currency Exposure
109.
Our bank has an agreement with which courier service for international dispatches?
a)
M/s Bluedart Express
b)
M/s FedEx
c)
M/s DTDC
d)
M/s DHL Express (I) Pvt Ltd for
110.
Interest Equalization Scheme for Pre and Post Shipment Rupee Export Credit (‘Scheme’) has been extendedn for up to __________
a)
March 31, 2023
b)
March 31, 2024
c)
March 31, 2025
d)
March 31, 2026
111.
Stock/Book Debt Audit is to be carried out compulsorily in all accounts having fund- based working capital limits with our Bank (including DA LC limit) of over Rs…
a)
10 crore
b)
1 crore
c)
3 crore
d)
5 crore
112.
What is the full form of “CRILC”?
a)
Central Repository of Information on Large Credits
b)
Central Repository of India on Large Credits
c)
Combined Registry of India on Large Credits
d)
Combined Registry of Information on Large Credits
113.
A borrower can raise objection under section ___ of SARFAESI Act 2002.
a)
13 (2)
b)
13(4)
c)
13(3a)
d)
14
114.
A Project Loan (Non- Infrastructure) will be termed as NPA in case of non-achievement of commercial operation within _______________.
a)
One year from DCCO along with record of recovery
b)
Two years from DCCO along with record of recovery
c)
One year from DCCO with no relevance to record of recovery
d)
Two years from DCCO with no relevance to record of recovery
115.
Authority to file suit in NPA accounts vests with__________.
a)
Chief Manager and above
b)
Regional Head only
c)
Any Branch Head as per his DLP
d)
Branch Head without any ceiling
116.
Bank can proceed for take over of management under section ___ of SARFAESI Act 2002.
a)
13 (4)
b)
15
c)
13(3a)
d)
14
117.
If the borrower has used available amount of working capital finance for the purchase of plant & machinery, the such action by the borrower is called…… of fund
a)
Deviation
b)
Siphon off
c)
Diversion
d)
Depletion
118.
Lok Adalats conducted by Debt Recovery Tribunals can settle cases involving amount upto Rs __________.
a)
20.00 Lacs
b)
25.00 Lacs
c)
30.00 Lacs
d)
No limit
119.
Private Treaty for sale of property with value upto Rs 1 Crore can be resorted after failure of auction for ___ times.
a)
2
b)
1
c)
3
d)
No such guidelines
120.
Setting aside of money from Profits to compensate a probable loss caused on lending a loan is called
a)
Provisioning.
b)
Asset Classification
c)
Income recognition norms
d)
Write off
100 %
