Online Tests for Bank Financial Management

Bank Financial Management

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  • Q - 1 . Bank would require to maintain average CRR amounting to ...... , if the rate of CRR is 5%

    Q - 2 . Import bills should be crystallized on the ......th day, if not paid by the due date.

    Q - 3 . Date on which the option is automatically exercised is called as ......

    Q - 4 . Which is not a function of the Mid Office ?

    Q - 5 . CHIPS is a payment system in ......

    Q - 6 . Export turnover policy can be availed by exporters whose projected turnover is expected to exceed the premium payable to ECGC by ...... in a year.

    Q - 7 . Concessional rate of interest in post shipment finance is valid for first ...... days.

    Q - 8 . Risk mitigation results in ...... 1.Reduction of downside potential 2.Reduction in profit potential 3.Which of the following is true?

    Q - 9 . As per the recommendations of Chore Committee banks have been asked to ensure ......

    Q - 10 . Risk which arises out of adverse movement of market variables when the players are unable to exit the positions quickly is called as ......

    Q - 11 . Which of these gives a right to the holder to buy an underlying product (currency / bonds /commodities) at a prefixed rate on a specified future date.

    Q - 12 . VaR is not enough to assess market risk of a portfolio. Stress testing is desirable because ......

    Q - 13 . The providing of information to the management (MIS) and to implement risk management systems is created by ......

    Q - 14 . Data relating to balance sheet as on 14 Mar 2015 banks reveals its capital at Rs 1110 cr, reserve 2150 cr, demand deposit 6500cr,SB deposit 20500 cr, term deposits from banks 1300 cr, term deposit from public 30800 cr, borrowing from RBI nil, borrowing from other institutions 200 cr, refinance from NABARD 150 cr, bills payable 50 Cr, accrued 20 cr, subordinated debt 200 cr and credit balance in suspense a/c 30 cr (Total Being 63000). What are the risk weighted assets for operational risk?

    Q - 15 . What is the normal balance for an asset account?

    Q - 16 . you have given the following information, in summary about the profit & loss a/c of the c bank, Interest earning Rs 120000 cr, Other income Rs 1800 cr, Profit on sale of fixed assets Rs 120 cr, Income from sale of third party products Rs 80 cr, On expenses side, Interest expenses are Rs 8200 cr, Operating expences Rs 3400 cr, Provisions of Rs 1600cr. Operating profit for the bank ......

    Q - 17 . Given that Tier I capital is Rs. 500 crores and Tier II capital Rs. 800 crores and further given that RWA for credit risk Rs. 5000 crores, capital charge for market risk and operational risk Rs. 200 crores and Rs. 100 respectively, answer the following online_test_question if the regulatory CAR is 8%. Based on the data given above, answer the following online_test_question. What are the total risk weighted assets?

    Q - 18 . A bank has compiled following data for computing its CRAR as on 30 Sep 2015, Tier I capital 2500, Tier ii capital 2000, RWA for credit risk other than retail assets, (including 2000 crores of commercial real estate - 35,500, Exposure on retail assets - 8,700, Total eligible financial collaterals available for retail assets - 1200, Capital charge for general market risk net position - 450, Capital charge for specific risk - 190, Vertical adjustment - 15, Horizontal adjustment - 10, Total capital charge for options - 70, Gross income for the previous year - 495, Gross income for the year before previous year - 450, Gross income for 2nd year before previous year - 390, The capital required for credit risk at minimum required rate as per RBI is ......

    Q - 19 . The treasury is run by a few specialist staff engaged in high value transaction per trn size generally not being ......

    Q - 20 . RBI has permitted banks to borrow and invest through their overseas correspondents, in foreign currency subject to a ceiling of ...... % of their ...... capital, or USD ...... million, whichever is higher.

    Q - 21 . SBI account with citi bank in New Jersey in US $, is used by BO For BOB this account is called as ...... account.

    Q - 22 . If there is an assets of Rs. 120 in the doubtful-I cat and the realization value of security is Rs. 100 only, what will be the provision requirement?

    Q - 23 . Our account is with you refers to ...... account.

    Q - 24 . Which of the currencies are not been quoted as indirect rates?

    Q - 25 . Since all assets and liabilities in the banking book are held until maturity, maturity mismatch between assets and liabilities result in excess or shortage of liquidity. This is known as ...... risk.

    Q - 26 . Which of the following shipments out of India are exempt from export declaration forms?

    Q - 27 . Buyers' credit or suppliers' credit for ...... years or above come under the category of EC

    Q - 28 . Match the following three methods to measure operational loss with the methods on which these are based: 1. Basic Indicator Approach Operational loss 2. Standardised Approach income 3. Advanced Measurement Approach income

    Q - 29 . A bank has compiled following data for computing its CRAR as on 30 Sep 2015, Tier I capital 2500, Tier ii capital 2000, RWA for credit risk other than retail assets, (including 2000 crores of commercial real estate - 35,500, Exposure on retail assets - 8,700, Total eligible financial collaterals available for retail assets - 1200, Capital charge for general market risk net position - 450, Capital charge for specific risk - 190, Vertical adjustment - 15, Horizontal adjustment - 10, Total capital charge for options - 70, Gross income for the previous year - 495, Gross income for the year before previous year - 450, Total weighted assets for operational risk is ......

    Q - 30 . Inflow of USD 200,000.00 by TT for credit to your exporter's account, being advance payment for exports (credit received in Nostro statement received from New York correspondent). What rate you will take to quote to the customer, if the market is 55.21/25?

    Q - 31 . Select the incorrect statement:

    Q - 32 . Un-spend foreign exchange can be deposited by the resident in the ....a/c with any authorise

    Q - 33 . Verification and settlement of the deals concluded by the dealers is performed by ......

    Q - 34 . Mirror accounts are shadows or reflections of ...... account.

    Q - 35 . The balance sheet of x bank provide the following information as on 31 mar 2013 Rs , Cr) capital 1000, reserves-6000, current account deposit 30000, saving bank deposit 3000, term deposit, term deposit 30000 and borrowings 3000 on the assts side the cash -6900, bal with banks-15000, investment-15000, bills purchased =-20000, cash credit- 20000, term loans-20000 and fixed assets 3100. Total-100000. Earning assets out of total assets are 90000 cr. Cash credit , bill purchased and investments are affected by change in interest rate. Term loans carry fixed interest rate . SB an d TD are affected by change in interest rate. The above bank has ......

    Q - 36 . Which method of risk measurement uses deviation of a target variable due to unit movement of a single market parameter (like change in interest rate or exchange rate or stock prices)?

    Q - 37 . Which is not an approach to measure Credit Risk?

    Q - 38 . The goods eligible for deferred payment export are classified into two categories - group A and group Select the correct pair. Group A - capital goods and production goods, Group A - consumer durables and industrial manufacture, Group B - production goods and industrial manufacture, Group B - capital goods and consumer durables.

    Q - 39 . Spot Rate - 35.6000/6500. Forward 1M=3500/3000 2M=5500/3000 3M=8500/8000. Transit Period - 20 days. Exchange Margin - 0.15%. Find Bill Buying Rate

    Q - 40 . Data relating to balance sheet as on 14 Mar 2015 banks reveals its capital at Rs. 1110 cr, Reserve 2150 cr, demand deposit 6500 cr, SB deposit 20500 cr, term deposits from banks 1300 cr, term deposit from public 30800 cr, borrowing from RBI nil, borrowing from other institutions 200 cr, refinance from NABARD 150 cr, bills payable 50 Cr, accrued 20 cr, sub ordinatted debt 200 cr and credit balance in suspense a/c 30 cr (Total Being 63000) Total amt of liabilities not to be included in computing DTLs in RS

    Q - 41 . Which of the following T-bills are issued fortnightly on Wednesday preceding non-reporting Friday?

    Q - 42 . Volatility will be ...... if Time horizon is more.

    Q - 43 . For attaining a comparison or ratio between two quantities that are linked together through another and consist of a series of equations, which of the following is used:

    Q - 44 . Integrated Treasury in Banking set up refers to

    Q - 45 . Export bills drawn in foreign currency, purchased/ Discounted/ negotiated, must be crystallized into rupee liability. The same would be done at

    Q - 46 . Daily data on forex dealing room operations are submitted to the RBI in ...... form.

    Q - 47 . From the operational risk management point of view banking business lines have been grouped in how many major heads?

    Q - 48 . Who publishes prime rates for major currencies on the monthly basis.

    Q - 49 . Redeemable Cumulative Preference shares comes under ......

    Q - 50 . A contract where the buyer has a right but no obligation to exercise the contract is known as ......

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