Banking General Awareness Basel Norms Question Bank

done NPA and Basel Norms Total Questions - 30

• question_answer1)
  SARFAESI Act not applicable In ___
  A)
  House property done clear
  B)
  Machinery done clear
  C)
  Agricultural land done clear
  D)
  KVP done clear
  E)
  None of these done clear
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• question_answer2)
  When NPA considered in case of long duration crops__
  A)
  4 crop season done clear
  B)
  2 crop season done clear
  C)
  3 crop season done clear
  D)
  1 crop season done clear
  E)
  None of these done clear
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• question_answer3)
  In PCR, 'P' Stands for ___
  A)
  Payment done clear
  B)
  Provident done clear
  C)
  Provision done clear
  D)
  None of these done clear
  E)
  All of these done clear
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• question_answer4)
  NPA implemented under the recommendation of which committee__
  A)
  Shivraman committee done clear
  B)
  Narshimham committee done clear
  C)
  K P committee done clear
  D)
  None of these done clear
  E)
  All of these done clear
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• question_answer5)
  In CCCB, 'B' Stands for __
  A)
  Bottom done clear
  B)
  Button done clear
  C)
  Butter done clear
  D)
  Buffer done clear
  E)
  None of these done clear
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• question_answer6)
  SARFAESI Act was passed in the year ___
  A)
  2005 done clear
  B)
  2013 done clear
  C)
  2002 done clear
  D)
  2001 done clear
  E)
  2012 done clear
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• question_answer7)
  When outstanding balance is more than drawing power and the account become out of order is known as ___
  A)
  hold on account done clear
  B)
  dormant account done clear
  C)
  irregular account done clear
  D)
  demat account done clear
  E)
  None of these done clear
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• question_answer8)
  When NPA considered in case of short duration crops ____
  A)
  1 crop season done clear
  B)
  2 crop season done clear
  C)
  3 crop season done clear
  D)
  4 crop season done clear
  E)
  None of these done clear
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• question_answer9)
  When RBI started implementation of NPA guidelines
  A)
  1990 done clear
  B)
  1991 done clear
  C)
  1992 done clear
  D)
  1995 done clear
  E)
  None of these done clear
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• question_answer10)
  Under asset classification of NPA accounts above one year but upto three year assets due known as
  A)
  substandard asset done clear
  B)
  standard assets done clear
  C)
  doubtful asset done clear
  D)
  bad debts done clear
  E)
  loss assets done clear
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• question_answer11)
  In terms of circular dated 1.07.2013 a provisioning coverage ratio on gross NPA is prescribed by RBI is ___
  A)
  100% done clear
  B)
  90% done clear
  C)
  70% done clear
  D)
  40% done clear
  E)
  None of these done clear
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• question_answer12)
  What is the provisioning percentage of standard assets ____
  A)
  0.10% done clear
  B)
  0.20% done clear
  C)
  0.40% done clear
  D)
  0.60% done clear
  E)
  None of these done clear
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• question_answer13)
  If anyone fail to meet its payment obligations to the lender even when it has capacity to honor the obligations is known as ____
  A)
  Drawer done clear
  B)
  Drawee done clear
  C)
  Wilful Defaulter done clear
  D)
  Spot Defaulter done clear
  E)
  None of these done clear
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• question_answer14)
  Which committee recommended wilful loan defaulter ____
  A)
  Narsimham committee done clear
  B)
  Shivraman committee done clear
  C)
  S.S. Kohli committee done clear
  D)
  P.K Nayak committee done clear
  E)
  None of these done clear
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• question_answer15)
  NPA under D3 category (beyond 3 years), how much provision should be maintained;
  A)
  100% provision both on secured and unsecured portion done clear
  B)
  40% provision on secured and 100% on unsecured portion done clear
  C)
  25% provision on secured and 40% on unsecured portion done clear
  D)
  15% provision on secured and 25% on unsecured portion done clear
  E)
  None of these done clear
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• question_answer16)
  When bank ensure that bank maintain a buffer of capital that can be used to absorb losses during economic stress is known as ____
  A)
  Conservation Buffer done clear
  B)
  Surplus done clear
  C)
  Profit done clear
  D)
  Surcharge done clear
  E)
  None of these done clear
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• question_answer17)
  In BCBS , 's' stands for ___
  A)
  Support done clear
  B)
  Stop done clear
  C)
  Supervision done clear
  D)
  Standard done clear
  E)
  None of these done clear
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• question_answer18)
  In which year Basel III implementation started?
  A)
  1st April 2010 done clear
  B)
  1st April 2013 done clear
  C)
  1st April 2014 done clear
  D)
  1st April 2015 done clear
  E)
  None of these done clear
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• question_answer19)
  When RBI supervise Basel implementation bank wise is known as?
  A)
  ICAAP done clear
  B)
  SRDP done clear
  C)
  SREP done clear
  D)
  SRAP done clear
  E)
  None of these done clear
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• question_answer20)
  When BASEL III was fully implemented in
  A)
  March 2017 done clear
  B)
  March 2018 done clear
  C)
  March 2019 done clear
  D)
  March 2020 done clear
  E)
  None of these done clear
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• question_answer21)
  Which of the following can purchase NPA?
  A)
  ARC done clear
  B)
  Banks done clear
  C)
  Financial Institutions done clear
  D)
  NBFC done clear
  E)
  All of the above done clear
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• question_answer22)
  Core capital is also known as ——
  A)
  Tier I capital done clear
  B)
  Tier II capital done clear
  C)
  Tier III capital done clear
  D)
  Tier IV capital done clear
  E)
  None of these done clear
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• question_answer23)
  Which committee is related to NPA?
  A)
  Khanna Committee done clear
  B)
  L K Jha Committee done clear
  C)
  Mahalanobis Committee done clear
  D)
  C. Rao Committee done clear
  E)
  None of the above done clear
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• question_answer24)
  What is a method for calculating and controlling exposure to market risk___
  A)
  Value at risk done clear
  B)
  Risk cover done clear
  C)
  Stop loss done clear
  D)
  Lose cover risk done clear
  E)
  None of these done clear
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• question_answer25)
  The business activities of a bank that generally do not involve booking assets (loans) and taking deposits are called ___
  A)
  ALM done clear
  B)
  Bad loan exposure done clear
  C)
  off balance sheet exposure done clear
  D)
  NPA done clear
  E)
  None of these done clear
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• question_answer26)
  In ICAAP, assessment process organized by ___
  A)
  RBI done clear
  B)
  Bank itself done clear
  C)
  CIBIL done clear
  D)
  SIDBI done clear
  E)
  None of these done clear
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• question_answer27)
  Main motive of Basel accord is ___
  A)
  Increase Risk weighted assets done clear
  B)
  Decrease portfolio income done clear
  C)
  Increase Risk tolerance level done clear
  D)
  Decrease in portfolio income done clear
  E)
  None of these done clear
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• question_answer28)
  Which department setup by RBI to collect, store, and disseminate credit data to banks on credit exposures of Rs. 5 crore and above __
  A)
  CRILC done clear
  B)
  CIBIL done clear
  C)
  CRISIL done clear
  D)
  ICRA done clear
  E)
  None of these done clear
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• question_answer29)
  Which of the following statement is correct in the context of NPA account?
  A)
  The interest cannot be debited to the account even if it has been recovered done clear
  B)
  If interest has been debited during the year but not recovered and account has become NPA at the end of the year interest can be taken to income done clear
  C)
  In case of government guaranteed account interest can be taking to income when not recovered done clear
  D)
  Interest cannot be debited to account and credited to profit and loss account till it is recovered done clear
  E)
  None of these done clear
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• question_answer30)
  What is the minimum investment in Security Receipts for ARC which was earlier 5%?
  A)
  10% done clear
  B)
  15% done clear
  C)
  20% done clear
  D)
  25% done clear
  E)
  None of these done clear
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