Saturday, 21 November 2015

Expected Bank Jobs IBPS Clerk Exam : Banking Awareness Questions and Answers Quiz- 20

1. As per SEBI directives, what is the minimum public shareholding in case of listed companies
(a) 10%
(b) 24%
(c) 25%
(d) 26%
(e) 49%

 
2. RBI has decided that the total investment by banks in liquid/short term debt schemes (by whatever name called) of mutual funds with weighted average maturity of portfolio of not more than 1 year, will be subject to a prudential cap of _____ of their _____ as on March 31 of the previous year.
(a) 3%, net worth
(b) 5%, capital fund
(c) 10%, net worth
(d) 12.5% capital fund
(e) None of these

3. What is Net Interest Income (NII)?
(a) Difference of interest earned on assets and non-interest income
(b) Difference of assets and liabilities
(c) Difference of interest earned on assets and interest paid on liabilities
(d) None of the above

4. Bombay Stock Exchange index ‘Sensex’ is based on the value of top _____ blue chip shares of
(a) 10
(b) 20
(c) 25
(d) 30
(e) 50

5. The held for trading securities are required to be sold within _____.
(a) 360 days
(b) 180 days
(c) 90 days
(d) there is no such time constraint

6. The SLR and non-SLR securities of the banks are classified into 3 categories. Which of these is not part of those 3 categories?
(a) monthly
(b) quarterly
(c) half-yearly
(d) yearly
(e) None of these

7. RBI changes the CRR. Which of the following is correct in this connection?
(a) reduction in CRR increases the liquidity position within Indian banks
(b) increase in CRR increases the liquidity position within Indian banks
(c) increase in CRR does not affect the liquidity position
(d) decrease in CRR does not affect the liquidity position
(e) None of these

8. When Repo rate is reduced by RBI, it leads to
(a) reduction of cost to borrowers on loans from banks
(b) increase in cost of loans to borrowers from banks
(c) reduction in cost of borrowing by banks from RBI
(d) increase in cost of borrowing by banks from RBI
(e) None of these

9. What is the objective of securitisation of financial assets?
(a) to enable the banks in speedy recovery of bad loans
(b) to sell the securities without intervention of the court, only if loan goes bad
(c) to acquire assets and then sell the same at profit
(d) recycling of funds and reduce concentration risk
(e) All of these

10. As per SEBI guidelines, the maximum shares buy-back period has been reduced to _____ months from _____ months.
(a) 6 months to 3 months
(b) 9 months to 6 months
(c) 12 months to 6 months
(d) 12 months to 9 months

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