Banking Services Management Set 7
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This set of Banking Services Management (BSM) Multiple Choice Questions & Answers (MCQs) focuses on Banking Services Management Set 7
Q1 | Who is authorized to permit premature closer of PPF A/c
- rbi
- ministry of finance department of economic affairs
- chairman of concerning bank
- none of these
Q2 | What is USGAAP?
- united states generally accepted accounting principles
- union state generous agreement & accounting principles
- unit
- state general allies & army practices
Q3 | What is the average percentage of Banking transactions through non- branch route in private sector Banks
- 50%
- 60%
- 70%
- 65%
Q4 | The C D Ratio of all schedule commercial Banks as on June 2003stood at
- 51%
- 57%
- 53%
- 65%
Q5 | The Gross NPA percentage of the following country is highest in Asia
- india
- china
- malaysia
- indonesia
Q6 | Credit Risk Assessment of the borrowal units is for
- assessing the repayment capacity
- to fix the pricing of the product
- to review the units performance
- none of these
Q7 | To be categorized as a schedule Bank the minimum capital & reserverequired is
- rs. 10 lacs
- rs. 5 lacs
- rs. 20 lacs
- rs. 7 lacs
Q8 | For Business process re-engineering and IT strategy which bank hasemployed ‘Gartner
- b
- b) sbi
- pnb
- bom
Q9 | The objective of Government to appoint Narsimhan Committee is
- to strengthen the banking system
- to improve customer service
- to strengthen the credit portfolio
- none of these
Q10 | Which Bank has recently tied up with Apollo Hospital for financing medicalfacilities
- icici
- hd
- c) bob
- sbi
Q11 | The full form of RBS is
- risk based supervision
- rating by system
- role bas
- supervision
Q12 | ………….prescribes two tiers of capital for the banks.
- basel-i
- basel-ii
- basel-iii
- none of these
Q13 | Pricing is equals to
- cost of the product
- break even point of the firm
- function of risk rating
- all of the above
Q14 | Under the Banking Ombudsman scheme the value of claim shouldnotexceed
- 5 lac
- 10 l
- c)15 lac
- 20 lac
Q15 | Which Bank has introduced ‘Pre-paid Card’ first
- obc
- bob
- corporation bank
- sbi
Q16 | The minimum Capital Adequacy Ratio currently fixed by RBI for Banksis
- 12%
- 10%
- 9%
- 11%
Q17 | Who can fix the interest rates of NRE & FCNB deposits ?
- rbi
- banks, as per the directive of rbi
- govt. of india
- iba
Q18 | The following is not a housing finance intermediary agency
- hdfc
- hudco
- nhb
- sidco
Q19 | Who is authorised to issue coin in India
- rbi
- ministry of finance
- sbi
- none of these
Q20 | Bank can change interest rate without reference to its PLR in thefollowing
- housing loans
- nre/ fcnb deposits
- personal loans
- educational loans
Q21 | The maximum penal rate of interest that can be charged is restrictedto
- 2 %
- 3 %
- maximum spre
- announced over plr
Q22 | Banks can change rate of interest beyond spread announced by themonadvances granted to
- film companies
- chit funds
- nbfc s
- hotels
Q23 | To which category of customers are banks prohibited to sanctionloansagainst shares and debentures?
- institutions
- psus
- banks
- trust and endowments
Q24 | What should be the method of valuation for advances againstshares/debentures / bonds?
- face value
- market price
- book value
- average value
Q25 | Which kind of bills should not be discounted by banks as per RBIregulation?
- customs duty
- installation charges
- sale of goods
- purchase of books