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WorksheetsOfficer Exit Test
Total questions: 99
Worksheet time: 50mins
Name
Class
Date
1.
India‟s foreign exchange rate system is
a)
Fixed target of band
b)
Free float
c)
Fixed system
d)
Managed float
2.
What is the full form of PIDPI?
a)
Public Interest Defense and
Protection of Informers Resolution
b)
Public Interest Disclosure and Protection of Informers Resolution
c)
Public Integrity Disclosure and
Protection of Informers
d)
Peoples Interest Disclosure and
Protection of Informers Resolution
3.
Which of the following Education loan Interest subsidy scheme since discontinued from FY 2022-23
a)
Padho Pardesh
b)
CISS-Interest Subsidy
c)
Dr. Ambedkar Scheme of Interest Subsidy on Educational Loan for
Overseas Studies for OBCs & EBCs
d)
Both 1 and 3
4.
As announced in union budget, what is the target set under agriculture credit for FY 2023-24?
a)
Ans. Rs.18.50
Lakh crore
b)
Rs.22.00 Lakh crore
c)
Rs.20.00 Lakh crore
d)
Rs.25.00 Lakh crore
5.
Balance Sheet of a firm Shows Current Assets of Rs.50.00 Lakhs. If the Current Ratio of the firm is 1.50:1, what will be the Current
Liability?
a)
Rs.33.33
Lakhs
b)
Rs.75.00 Lakhs
c)
Rs.100.00
Lakhs
d)
Rs.66.66 Lakhs
6.
Which of the following Ratios are irrelevent while appraisal of Working Capital?
a)
Current Ratio
b)
TOL/TNW Ratio
c)
IRR
d)
Quick Ratio
7.
Which of theese is not a Credit Rating agency?
a)
SMERA
b)
ICRA
c)
Equifax
d)
None of these
8.
Which type of guarantee issued in lieu of a Term Loan?
a)
Financial Guarantee
b)
Deferred Payment Guarantee
c)
Performance Guarantee
d)
Bid Bond
Guarantee
9.
What is the full form of RAROC
a)
Risk Averted Return on Capital
b)
Risk Adjusted Return on Capital
c)
Rated Advanced Return on
Capital
d)
Risk Adjusted Return of Capital
10.
Balances in the NRO account may be repatriated abroad or to a NRE account upto what amount in a financial year without permission from RBI?
a)
US $1 billion
b)
US $10 million
c)
US $50 million
d)
US $1 million
11.
Which option is most appropriate with respect to Red Clause LC
a)
Allows the opening Bank to back out / cancel
b)
Facilitates Pre shipment finance to the exporter
c)
It is an LC opened on
backing of another LC
d)
It can be
transferred in many parts.
12.
Notice Money refers to
a)
Short term overnight borrowing by Banks
b)
Borrowing by Banks for 2-14 days
c)
Borrowing by Banks for a period of 90 days
d)
None of the above
13.
As per latest PSL guidelines, Bank finance to start-ups up to are
included under Priority Sector Lending.
a)
₹10 crore
b)
₹50 crore
c)
₹30 crore
d)
₹20 crore
14.
What is the Term loan amount under 1st dose of NRLM?
a)
8 times of the existing corpus or minimum of
₹2 lakh, whichever is higher
b)
6 times of the existing corpus or minimum of 1.5 lakh, whichever is
higher
c)
6 times of the existing corpus or minimum of
₹1 lakh,
whichever is lower
d)
None of these
15.
Which is the nodal agency for
implementation of PMEGP at national level?
a)
KVIC
b)
KVIB
c)
DTIC
d)
DLTC
16.
“Bulk Deposit” for Regional Rural Banks would mean Single Rupee term deposits of
a)
Rs.15 Lakh and above
b)
Rs.2 cr and above
c)
Rs.1cr and above
d)
Rs.50 Lakh and above
17.
RBI has advised all Pvt Sector banks to ensure the presence of at least Whole Time Directors (WTDs), including the
MD&CEO, on their Boards.
a)
2
b)
4
c)
3
d)
6
18.
Which Indian Bank Becomes the First Lender To Offer „ONDC Network Gift
Card‟?
a)
Yes Bank
b)
Kotak Mahindra
c)
Axis Bank
d)
ICICI Bank
19.
NPCI has introduced a groundbreaking contactless payment
wearable ring known as
a)
Contact Ring
b)
OTG Ring
c)
AP Ring
d)
Saman
20.
Which document is taken to avoid the rule if Clayton's case?
a)
Letter of Waiver
b)
DPN Delivery Letter
c)
Letter of Continuety
d)
All of the above
21.
Hypothecation is defined in;
a)
Transfer of Property Act 1882
b)
SARFAESI Act 2002
c)
Indian Contract Act 1872
d)
None of the above
22.
Borrowing powers of
directors of a company are contained in;
a)
MoA
b)
AoA
c)
Certificate of Incorporation
d)
All of the above
23.
Which institution released a report titled „India Ageing Report 2023‟?
a)
IMF
b)
NITI Ayog
c)
NABARD
d)
UNFPA
24.
SEBI was established as a statutory body in which year?
a)
1994
b)
1988
c)
1992
d)
2002
25.
As per recent guidelines issued by NPCI, the UPI IDs which have remained inactive for more than
to be deactivated by 31st December 2023.
a)
2 years
b)
5 years
c)
1 year
d)
6 months
26.
Which state has recently (in July
„23) launched a mobile application- based elephant movement tracking
system?
a)
Odisha
b)
Bihar
c)
Chhatishgarh
d)
Jharkhand
27.
RBI has recently raised the Risk Weight with respect to consumer credit exposure of commercial banks, including personal loans, but excluding housing loans, education loans, vehicle loans and loans secured by gold and gold jewellery to
a)
100 percent
b)
125 percent
c)
150 percent
d)
None of these
28.
Which payment bank in recent past has approved the proposal for the transition of the Bank into a Small Finance Bank (SFB) licence?
a)
PayTm
b)
IPPB
c)
Airtel Payment Bank
d)
Fino Payment Bank
29.
Which organization has recently endorsed capital management reforms, unleashing a substantial
$100 billion fund over the next ten years?
a)
Asian Development Bank
b)
World Bank
c)
IMF
d)
New Development Bank
30.
In which of the following segments, the standard asset provisioning will not be 0.25%
a)
Agriculture farm credit
b)
All types of agriculture credit
c)
Individual Housing loans sanctioned on or after 07
June 2017
d)
Small and Micro Enterprise (SME)
31.
Bonus shares are issued by a company out of
a)
Reserves and surplus
of earlier
years
b)
Share premium reserves
c)
Both A&B
d)
None of these
32.
Floating provisions can be treated as part of Tier II capital within the overall ceiling of % of total risk weighted assets.
a)
10
b)
2.5
c)
1.25
d)
5
33.
Currency chest holding banks of the large modern currency chests levy service charges on cash deposited by non-chest bank branches at the rate of
₹ + GST per packet of 100 pieces.
a)
Rs.5/-
b)
Rs.2/-
c)
Rs.8/-
d)
Rs.10/-
34.
Banks are required to achieve a minimum Provision Coverage ratio of
a)
60 percent
b)
70 percent
c)
80 percent
d)
50 percent
35.
What is the provision required for Standard Assets in Commercial Real Estate Segment?
a)
0.75 percent
b)
1 percent
c)
2 percent
d)
1.25 percent
36.
Guarantee cover for loans under the Credit Enhancement Guarantee Scheme for the Scheduled Castes is provided through
a)
CGTMSE
b)
NCGTC
c)
IFCI
d)
SIDBI
37.
18. To incentivize for regular payment, interest subsidy of
percent is provided under
PMSvanidhi Scheme?
a)
7 percent
b)
3 percent
c)
5 percent
d)
8 percent
38.
What is the full form of NIRVIK?
a)
Niryat Rin Vikas Yojana
b)
Niryat Rin Vikasit Yojana
c)
Nipun Rin Vyapar Yojana
d)
None of these
39.
What is the maximum loan amount under New Swarnima Scheme for women?
a)
Rs.3.00 Lakh
b)
Rs.2.00 Lakh
c)
Rs.5.00 Lakh
d)
Rs.10.00 Lakh
40.
Interest subvention under Agri Infrastructure fund will be available
for a maximum period of years.
a)
7 years
b)
10 years
c)
5 years
d)
Till closure of loan
41.
The minimum target under NRLM for SC/STs is;
a)
15 percent
b)
30 percent
c)
50 percent
d)
40 percent
42.
Who is the sponsoring agency for cases under NULM?
a)
DLTC
b)
DIC
c)
NABARD
d)
ULB
43.
What is the maximum repayment period for loans sanctioned under Agri clinic and Agri Business Centre scheme?
a)
5 to 10 years with a maximum moratorium period of 2 years
b)
7 to 10 years with a
maximum moratorium period of 2
years
c)
5 to 10 years with a
maximum moratorium period of 1
year
d)
None of these
44.
19. No loan related and ad hoc service charges/inspection charges should be levied
on priority sector loans up to ₹ .
a)
Rs.1.60 Lakh
b)
Rs.25000
c)
Rs.10000
d)
Rs.50000
45.
lower weight of % would be assigned for incremental priority sector credit in the identified districts where the credit flow is comparatively higher (per capita PSL
greater than ₹25,000).
a)
80 percent
b)
90 percent
c)
80 percent
d)
75 percent
46.
Which of the following statements is not correct?
a)
Both the IMF & IBRD have headquarters in Washington
b)
ICSID is the constituent organisation of the World Bank
Group
c)
India's vote share in the
International
Monetary Fund is 10%
d)
None of these
47.
10 rupees coins were first issued in India in which year?
a)
2001
b)
2005
c)
2009
d)
2012
48.
What is full form of VPA?
a)
Virtual Payee Address
b)
Virtual Payment Address
c)
Virtual Payment Account
d)
None
49.
UAPA stands for….
a)
Unrestricted Activities (Prevention) Act
b)
Unlawful Activities (Prevention) Act
c)
Unlimited Activities (Prevention) Act
d)
Unaccounted Activities (Prevention) Act
50.
Banks are not supposed to take collateral for MSE Loans up to Rs
a)
Rs.5.00 Lakhs
b)
Rs.1.60 Lakhs
c)
Rs.15.00 Lakhs
d)
Rs.10.00 Lakhs
51.
For customer belonging to employee of Central/State Govt. the period of account relationship required is for being eligible under Group C-Gold category?
a)
Satisfactory account relationship with our Bank for at least -6- months.
b)
Satisfactory account relationship with our Bank for at least -12- months.
c)
Satisfactory account relationship with our Bank for at least -9- months.
d)
Salary account with our Bank with last month salary must be credited in account
52.
Maximum Limit under Group C-Silver Category is
a)
2 Lac
b)
15 Lac
c)
20 Lac
d)
10 Lac
53.
For availing home loan, NRI salaried applicant should be employed continuously for minimum
a)
2 Year
b)
6 months
c)
3 YEARS
d)
1 year
54.
Additional ROI in case of CRE Home loan is
a)
0.005
b)
0.0035
c)
0.0025
d)
0.01
55.
Minimum ………..months account relationship with our Bank or other Bank is a must for availing car loan
a)
6
b)
12
c)
3
d)
9
56.
Members of ICSI get ……% concession in car loan ROI
a)
0.0035
b)
0.0025
c)
0.01
d)
0.0075
57.
Baroda Pre approved Car Loan - Maximum repayment period is
a)
84 months
b)
36 months
c)
120 months
d)
60 months
58.
EDUCATION LOAN - maximum loan amount under EDP Programmes for Studying in India
a)
Rs 30 lakhs
b)
Rs 25 lakhs
c)
Rs 15 lakhs
d)
Rs 20 lakhs
59.
MORTGAGE LOAN - FOIR for doctor having average annual income of Rs 7 lakhs will be
a)
0.8
b)
0.75
c)
0.7
d)
0.6
60.
Maximum loan amount under Baroda Ashray is…
a)
Rs 100 lakhs
b)
Rs 150 lakhs
c)
Rs 200 lakhs
d)
Rs 75 lakhs
61.
Branches are categorised on the basis of their credit exposure, what will be the maximum credit exposure of category III branch
a)
50 cr
b)
200 cr
c)
More than 200 cr
d)
All the above
62.
As per the compliance timelines of IS Audit, if the criticality of findings is medium then the outer limit for compliance of observation has to be submitted within…..days
a)
15
b)
30
c)
45
d)
60
63.
Compliance department should ensure strict observance of the following
a)
Statutory Guideline
b)
Regulatory Provision
c)
Bank’s own norm
d)
all of the above
64.
Who among the following is a not a High Risk Customer
a)
NRI
b)
salaried customer
c)
Jeweller
d)
Political exposed
65.
Chief Vigilance Officer of our bank is in the rank of
a)
DGM
b)
GM
c)
ED
d)
MD & CEO
66.
Preventive Vigilance Committee at Branch Level consists of
a)
Branch Head
b)
In charge of Credit departmen
c)
A Suitable representative of Award Staf
d)
All of the above
67.
Margin for limit up to Rs. 25000/- under Baroda Artisan credit card is
a)
5
b)
10
c)
15
d)
NIL
68.
Minimum margin in case of Plant & Machinery & Equipment is
a)
0.25
b)
0.3
c)
0.15
d)
0.2
69.
The business units should be making cash profit for last ……. years. (as per Audited financials, wherever applicable) under Baroda property pride
a)
3
b)
1
c)
2
d)
4
70.
Minimum amount under Baroda property pride for CMR rank bucket CMR 1-6 for rural area is…….lakhs
a)
2
b)
5
c)
8
d)
10
71.
Who among the following is not eligible for finance under Baroda Contractor scheme
a)
Civil construction contractor for PWD
b)
Contractor in Civil Construction of commercial projec
c)
Mining Contractor of State Government
d)
Electrical sub-contractor of main contractor of PWD
72.
Maximum limit under Baroda Scheme for Professional is Rs… CRORE
a)
1
b)
2
c)
3
d)
5
73.
When a bank chooses the wrong strategy or follow a long-term business strategy which might lead to its failure, it is called
a)
CREDIT RISK
b)
MARKET RISK
c)
BUSINESS RISK
d)
INDUSTRY RISK
74.
As per Basel III Banks are required to maintain Capital Conservation Buffer
a)
At 1.00 % of Risk Weighted Assets
b)
At 1.50 % of Risk Weighted Assets
c)
At 2.00 % of Risk Weighted Assets
d)
At 2.50 % of Risk Weighted Assets
75.
Exposure at Default is the
a)
Sanctioned limit
b)
Loss on a credit facility that takes place when a borrower defaults
c)
Amount the borrowers owes to the bank at the time of default
d)
Likelihood that a borrower would default over a given time horizon, usually a year
76.
RWA stands for
a)
Risk Weighted Asset
b)
Risk Welfare Assessment
c)
Risk Welfare Asset
d)
Risk Weighted Account
77.
Which of the following is a method of Risk Adjusted Performance Measurement
a)
Capital Rationalization
b)
RAROC
c)
Risk Strategy
d)
Risk Appetite
78.
Credit Policy Committee (CPC) involves formulation, review and implementation of credit risk appetite and strategy as per direction given by the
a)
Board/ RMCB
b)
PPAC
c)
ERMC
d)
MCB
79.
The Enterprise Risk Management committee (ERMC) reports to
a)
MCB
b)
CACB
c)
RMCB
d)
CPC
80.
is not linked to credit rating of a company
a)
Credit Audit
b)
Inspection of securities
c)
Pricing of credit facility
d)
Acceptance of credit proposal
81.
What is maximum amount of loan that our Bank can sanction, on the security of Bank’s own shares?
a)
Rs. 100.00 crores
b)
Rs. 500.00 crores
c)
No such limit. It is subject to the external credit rating of the borrower.
d)
Cannot be sanctioned
82.
in case of project loan to infrastucrure Project become NPA if deferment of DCCO upto how many Year
a)
3
b)
4
c)
1
d)
2
83.
CC/OD accounts identified as NPA accounts based on Turn over or No credit logic to be carried out on what basis
a)
Daily
b)
Monthly
c)
Quarterly
d)
Half yearly
84.
Short Term crop Loan Become NPA if over due for
a)
3 Crop Season
b)
1 Crop Season
c)
2 Crop season
d)
4 crop season
85.
One account becomes straightway convert to Doubtful Aseet due to erosion of value of security less than what percentage realisable value of security
a)
0.4
b)
0.5
c)
0.1
d)
0.2
86.
Which section of SARFAESI Act for filling of charges on CERSAI Portal
a)
19
b)
23
c)
20
d)
24
87.
What percentage of bid amount has tob collected on the date of Auction
a)
0.75
b)
0.55
c)
0.65
d)
0.25
88.
Who is having authority to defer the SARFAESI action in accounts having dues up to 5 crores.
a)
CGM
b)
GM-SAMV
c)
Zonal Head
d)
CGM-SAMV
89.
Presiding officer of DRT appointed By Govt for period of
a)
3Years
b)
6 Years
c)
4 Years
d)
5years
90.
Recently, the Reserve Bank of India signed a Memorandum of Understanding with_____on co- operation and exchange of information related to Clearing Corporation of India Limited.
a)
US Federal Reserve
b)
Bank of Japan
c)
Bank of England
d)
European Central Bank
91.
What is the maximum loan amount under third tranche of PM SVANidhi Scheme?
a)
100000
b)
10000
c)
20000
d)
50000
92.
How many National Company Law Tribunal (NCLT) benches are there in India?
a)
16
b)
18
c)
17
d)
15
93.
The Reserve Bank of India has decided that Complainants shall be entitled to a compensation of Rs.______per calendar day in case their complaint is not resolved within a period of_______calendar days from the date of the initial filing of the complaint by the complainant with a Credit Institutions/ Credit Information Companies for delayed updation/ rectification of credit information. Choose the correct pair -
a)
500; 60
b)
200; 60
c)
1000; 60
d)
100; 30
94.
Which of the following website/platform/entity of RBI is related to IT and cyber security needs and is set up to ensure cyber resilience of Indian banking?
a)
FinTech
b)
Sachet
c)
ReBit
d)
DBIE
95.
With a view to provide benefits and offerings to our customers who are not mapped under radiance category but holding deposits relationship with us valuing Rs. 10 lakh and above, our Bank has decided to provide them tiered benefits after classifying them into three categories based on CASA Quarterly Average Balance. Which of the following is NOT one of the category:
a)
Rise
b)
Radiance
c)
Star
d)
Shine
96.
The Reserve Bank of India in its Statement on Developmental and Regulatory Policies (October 2023) proposed to include beneficiaries of Scheme in all centres under the PIDF Scheme.
a)
PM Kisan
b)
PM Swanidhi
c)
PM Viswakarma
d)
PMMY
97.
As per our bank's policy on Co-Lending Model, NBFCs shall be required to retain a minimum of per cent share of the individual loans on their books.
a)
15
b)
20
c)
10
d)
25
98.
"interim finance" under Indian Insolvency Bankruptcy Code IBC means -?
a)
Financial debt raised by the resolution professional during the insolvency resolution process period.
b)
Financial debt raised by the resolution applicant for funding requirements as per resolution plan.
c)
Financial debt raised by the corporate debtor during the insolvency resolution process period to manage day-to-day operations.
d)
Financial debt raised by the financial creditors for meeting cost related to resolution process.
99.
Which of the following records at branches/offices of the Bank should be preserved PERMANENTLY?
a)
Locks and Key Registers
b)
Remittance Register Accounts
c)
Closed File
d)
Inland letters of credit- opening forms
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