Banking Services Management Set 5
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This set of Banking Services Management (BSM) Multiple Choice Questions & Answers (MCQs) focuses on Banking Services Management Set 5
Q1 | Net interest income is
- interest earned on advances
- interest earned on investment
- total interest earn
- on advances and investment
Q2 | The ……….is an important function of a bank and this functiondistinguishes banks from the non banking institution.
- accepting deposit
- lending money
- creation of credit
- agency service
Q3 | ………..function are the core activities of banking.
- agency and general utility
- borrowing and lending
- accepting deposit a
- borrow money
Q4 | Banks lend to special purpose vehicles (SPVs)in the private sectorregistered under………… for directly undertaking infrastructure projects.
- reserve bank of india
- state bank of india
- local courts
- companies act.
Q5 | Banks categorised housing loan ,education loan etc. as………
- wholesale loan
- retail loan
- risk loan
- personal loan
Q6 | Banks extend need based working capital facilities as well as termloans to all NBFCs registered with………
- companies act.
- state bank of india
- commercial bank
- reserve bank of india
Q7 | Investment of banks in Govt. securities and other approved securitiesis categorised as ……
- lending
- slr-investment
- non-slr investment
- anbc
Q8 | Interest rate risk is a type of
- credit risk
- market risk
- operational risk.
- all of the above
Q9 | Which of the following is not a motive for the companies to hold cash
- transactional motive
- precautionary motive
- lack of proper synchronization between cash inflows a
- outflows
Q10 | VaR means
- value of business at risk
- value at risk
- volume on risk
- value as risk.
Q11 | In an inflationary trend ,the pricing of the bank products are
- decreasing trend
- constant
- increasing tre
- d.no relevance.
Q12 | ……….is a place where inter bank claims arising on account of chequesreceived for collection by each bank drawn against other banks are settled.
- investment house
- issuehouse
- bankers clearing house
- none of these
Q13 | The primery function of central bank is to………….of the country.
- control the system
- regulate the monetary system
- plan the monetary system
- none of these
Q14 | Every central bank has the monopoly right of……….
- moral suasion
- note issue
- direct action
- credit regulation
Q15 | Open market operation is another important…………… wepon of creditcontrol.?
- qualitative
- normal
- quantitative
- none of the above
Q16 | ……………… is a method of credit control adopted by the moderncentral banks?
- consumer credit
- margin requirements
- variable reserve ratio.
- rationing of credit,
Q17 | The Govt.of India set up the ……….committee(1991) to examine allaspects relating to structure ,organisation and the functioning of the Indian banking system.
- narasimham
- malhotra
- vadia
- smith
Q18 | How many banks were in second phase of nationalisation?
- 4
- 5
- 6
- 7
Q19 | ……….is automation of banks across multiple –delivery channels.
- anbc
- obe
- naba
- (d) cbs
Q20 | ……….was the first public sector bank to tap the equity market inDecember 1993
- sbt
- pnb
- sbi
- boi
Q21 | Large value payment system consist of
- ecs
- rtgs
- neft
- obe
Q22 | ………..may be defined as an exposure to a transaction with loss ,whichoccurs with some probability and which can be expected, measured and minimised.
- profit
- loss
- risk
- opportunity
Q23 | What is CRR?
- cash reserve ratio
- current ratio rate
- review report
- credit rating record
Q24 | ………….. banks are those banks which are incorporated outside Indiaand their head office are also situated outside India.
- foreign exchange bank
- schedule bank
- non-schedul
- bank
Q25 | Banks have adopted asset-liability management and stress testing as atool of ……….
- profit management
- risk management
- loss management
- opportunity management