General knowledge / General awareness Questions and Answers in Banking IBPS SBI PO Clerical and RRB PDF Test 20

General knowledge / General awareness Questions and Answers in Banking IBPS SBI PO Clerical and RRB PDF Test 20

1. One of the highlights of the cash credit is?
Very useful for Industrial concerns
It can be given by taking security of raw materials and finished goods also
Flexible schedule of payments is attractive in this loan.
Renewable loan, if there is no default in the payment of interest
All of above
2. Bharath has an account in Union Bank of India. He issued a cheque of Rs.10000 to Raghu. Who is drawee in the above case?
Bhartah
Union Bank of India
Raghu
Bharath and Raghu
Raghu and Union Bank of India
3. Amar has an account in state Bank of India. He issued a crossed cheque to Satish. Then Sathish ........
Should deposit cheque in his bank account.
Can go to bank counter and get money directly.
Can ask the bank to change crossed cheque in to bearer cheque to get cash.
Satish can cancel the crossing to get cash.
Satish can change the crossed cheque in to bearer cheque by putting his signature on reverse side.
4. Narasimham deposited Rs.10000 in his savings account and got counterfoil. In his pass book, the deposit entry made and his present balance is Rs.15,000. Later he got mobile alert that he deposited Rs.1000 only. Then .........
Narasimham is eligible to withdraw Rs. 10000 only
Mobile alert resembles the balance and his present balance is Rs.11,000 only.
Bank asks Narasimham to deposit Rs. 4000 again
He need not worry because mobile alerts need not resemble the accurate balance in account. His balance stands at Rs. 15,000.
None of the above statement applicable
5. Ananth received PIN (personal identification number) for his debit card by registered post. Then .......
He should not share this number with any body.
He can share this number with any body.
He can tell this number to bank clerk alone.
He can share this number with his friends in his Face book account
PIN is not confidential so can written any where to tell others
6. On 20 September 2013, RBI relaxed the intra day........?
Rupee trading position restrictions for the end of week.
EU currency swap arrangement
Bank payment positions
Default rupee values at the end of day.
Foreign exchange trading position restrictions.
7. On 17 September 2013, RBI ordered that banks should close accounts of customers using credit or debit card for..... Which are prohibited?
Shopping the consumer products
Buying the electronic goods
Sending the gift to residents of Jammu and Kashmir.
Payment of recruitment fees for banking exams.
Online foreign exchange trading transactions.
8. The RBI had given statement on 30th September 2013 about NPA (Nonperforming Assets) of banks in 2012-13. Pick the wrong option?
Net Non-performing Assets (NPA) of all banks have increased to 1.68 percent of the total loan at the end of 2012-13.
Net NPA of all banks was 1.28 percent at the end of 2011-12
A Profile of banks: 2012-13 released by RBI, in which the details are given about NPA.
Rise in cost of funds had its bearing on net interest margin (NIM) or interest spread of banks, which came down to 2.79 percent from 2.90 percent a year ago.
None of above
9. .......... has to bear the cost of fraudulent card transaction through point of sales (PoS) at merchant establishments that do not have security features as per the order of RBI on 27 September 2013?
RBI
Financial intermediaries
Banks
Bank employees
Customers
10. If the point of sales terminals are non-compliant of the fraud card transaction, issuing bank should pay the disputed amount to the customer within ......... working days.
10
20
40
7
2
Score =
Correct answers:

 

 General knowledge / General awareness Questions and Answers in Banking IBPS SBI PO Clerical and RRB PDF Test 19