1. CASA is basically the combination of Current account and saving account deposits with a Bank. Why do the Banks put greater emphasis on mobilizing a high CASA ratio?
(a) In order to fulfill RBI stipulation for it
(b) It helps reduction in average cost of funds
(c) These are stable deposits
(d) These help Banks maintain a healthy asset-liability ratio
(e) None of the Above
2. When a cheque is drawn on a bank, the bank is called the _______?
(a) Payee
(b) Drawee
(c) Drawer
(d) Endorsee
(e) None of the above
3. One of the State Government avails of a temporary financial assistance from Reserve Bank of India. This type of finance is called _______?
(a) Overdraft
(b) Temporary loan
(c) Short term finance
(d) Ways and Means advance
(e) None of the above
4. Except one of the following instruments others are issued at discount. Identify the exception _____?
(a) A Certificate of Deposit (CD)
(b) A Treasury Bill (T Bill)
(c) A Commercial Paper (CP)
(d) A Fixed Deposit (FD)
(e) None of the above
5. Cash Reserve Ratio (CRR) is to be maintained on Net Demand and Time Liabilities (NDTL). SLR is thus required to be maintained on ________?
(a) Total Demand and Time Liabilities
(b) Net Demand and Time Liabilities
(c) Total Demand and Time Assets
(d) Net Demand and Time Asset
(e) None of the above
6. Garnishee order is issued by ________?
(a) Judgement Debtor
(b) Judgement Creditor
(c) Judgement Debtor’s Debtor
(d) Judgement Creditor's Creditor
(e) None of the above
7. “CAMEL model” is used by _______?
(a) Bankers to evaluated a credit proposal
(b) Bankers to manage their risks
(c) RBI inspectors to evaluate banks functions
(d) Merchant Bankers to evaluate portfolio investment
(e) None of the above
8. Match the following:
i) Financial intermediaries
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A) Mutual funds
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ii) ATMs
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B) E-Banking
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iii) Certificate of Deposits
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C) Money Markets
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iv) Books debts
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D) Assignment
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(a) i-C, ii-D, iii-A, iv-B
(b) i-D, ii-C, iii-B, iv-A
(c) i-A, ii-B, iii-C, iv-D
(d) i-A, ii-C, iii-B, iv-D
(e) None of the Above
9. Capital adequacy is worked out based on?
(a) Total demand and time liabilities
(b) Net demand and time assets
(c) Risk weighted assets
(d) Risk weighted liabilities
(e) None of the above
10. Which of the following instruments is not a Negotiable Instrument, as per NI Act, 1881?
(a) Bills of Exchange
(b) Letter of credit
(c) Bank Draft
(d) Promissory Notes
(e) Cheque
Answers:
1. B
2. A
3. D
4. D
5. B
6. D
7. C
8. C
9. C
10. B
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