1)Which of the following is not shown as an asset in the balance sheet of a Bank? 1.Investments 2.Advances 3.

Cash Balances with other banks 4.Borrowings Ans:Borrowings 2)The credit policy of a bank does not consists of? 1.Lending policies 2.Quality control 3.Loan product mix 4.Advertising of loan products Ans:Advertising of loan products 3.Service Area Approach (SAA) is associated with? 1.Rural and Semi-urban branches of commercial banks 2.Urban branches of commercial banks 3.Branches of commercial banks situated in metro cities 4.Development banks Ans:Rural and Semi-urban branches of commercial banks 4. Which of the following cannot be securitized? 1.Future rentals of a fishing boat 2.Hire purchase receivables 3.Demand drafts received by the banker during clearing 4.Future billings for an airline Ans:Demand drafts received by the banker during clearing 5.Which of the following is not augmented feature of a credit card? 1.Personal accident insurance 2.Cash withdrawals 3.Add-on facility 4.Issue of deferred guarantee Ans:Issue of deferred guarantee 6.Which of the following is not a criterion to select the Investment Bankers? 1.No professional memberships or incorporations are required 2.General reputation in the market 3.Good rapport with market intermediaries 4.Distribution net work of the organization Ans:No professional memberships or incorporations are required 7.Which of the following is not an asset of a bank? 1.Notes and small coins 2.Overdue recurring deposits 3.Short term loans

4.Staff advances Ans:Overdue recurring deposits 8.Which of the following theory is associated with the financial system in the economic growth? 1.Retributive theory 2.Reformative theory 3.Financial repression theory 4.Jurisdictional theory Ans:Financial repression theory 9.Which of the following is not a financial intermediary in the financial markets? 1.Pension funds 2.Credit unions 3.Life insurance companies 4.Small scale service institute. Ans:Small scale service institute. 10.The credit policy of a bank does not deal with? 1.Credit risk management 2.Documentation standards 3.Review and renewal of advances 4.Outstanding balances in deposit accounts Ans:Outstanding balances in deposit accounts 11. Issuing credit cards is a component of ? Corporate banking Rural banking Retail banking Micro finance Ans:Retail banking 12. Which of the following is the most important challenge before the commercial bank? Maintenance of foreign currency Evaluating the need of the customers Maintenance of SLR and CRR Meet the technological revolution Ans:Meet the technological revolution 13.Which of the following is an income for a bank? Depreciation on banks property Interest on inter bank borrowings Profit on revaluation of investments Provisions made on account of write-offs Ans:Profit on revaluation of investments

14.Service Area Approach is associated with? Industrial finance Microfinance Rural finance Consortium finance Ans:Rural finance 15.Which of the following resources cannot be securitized? Credit balances outstanding in cash credit accounts Credit Card receivables Hire purchase receivable Mortgage in lieu of future payments Ans:Credit balances outstanding in cash credit accounts 16.Which of the following is a type of anticipatory letter of credit? Green clause letter of credit Yellow clause letter of credit Back to back letters of credit Revolving letter of credit Ans:Green clause letter of credit 17.Performance guarantee is issued? In lieu of earnest money In lieu of retention money In lieu of indemnity bonds For successful competition of Turnkey projects Ans:For successful competition of Turnkey projects 18.Which of the following is not a transfer of funds by using the electronic media? Mail transfer of funds Telegraphic transfer of funds Electronic credit transfers Electronic clearing transfers Ans:Mail transfer of funds 19.Which of the following is not an augmenting feature of credit cards? Personal accident insurance Cash withdrawal facility Add-On facility Automatic recovery of interest on term loans Ans:Automatic recovery of interest on term loans 20.Which of the following is a public sector Bank? IDBI ICICI AXIS

HDFC Ans:IDBI 21.Trade control in India is regulated by? RBI SEBI EXIM Bank DGFT Ans:DGFT 22.Which of the following is not one of the essential elements of internal audit? Totality Expertise Independence Subjectivity Ans:Subjectivity 23.A term loan is classified as a non-performing asset, if interest or installment is overdue for period exceeding how many days? 90 91 180 182 Ans:90 24.An endorsement is deemed as an instruction to? Collecting Bank Paying Bank Drawer Payee Ans:Paying Bank 25.Ideal Credit deposit ratio for a bank is? 60% 40% 90% 30% Ans:60% 26.Which of the following committees are related to Micro financing? Nayak Committee Tandon committee Vyas Committee Narasimham committee Ans:Vyas Committee

27.Which of the following is not an imperfect note? Washed note Bleached note Mutilated note Oiled note Ans:Mutilated note 28.Under the Nayak Committee recommendations, the quantum of working capital limits from the bank is minimum percentage of the projected annual sales? 5% 15% 20% 25% Ans:20% 29.Funded Services under corporate banking does not include? Working Capital Finance Bill Discounting Export Credit Letters of Credit Ans:Letters of Credit 30.Which of the following is not directly involved in rural lending? Cooperatives RRBs Commercial banks SIDBI Ans:SIDBI 31.PACSs provide? Mainly long term credit Mainly short term credit Both long term and short term credit Do not provide any credit Ans:Mainly short term credit 32.The system of note issue followed by the RBI is? Proportional reserve system Minimum reserve system Minimum fiduciary system Maximum fiduciary system Ans:Minimum reserve system 33.The rate at which the Reserve Bank of India lends to the commercial banks in very short term against the backing of the Government securities is known as? Bank rate

Repo rate Reverse Repo Discount rate Ans:Repo rate 34.Security printing press was established in 1982 at? a)Kolkata b)New Delhi c)Bombay d)Hyderabad Ans:Hyderabad 35.Scheduled banks are those? Includued in the 2nd schedule of the Banking Regulation Act-1949 Includued in the 2nd schedule of the Companies Act-1956 Includued in the 2nd schedule of the Reserve Bank of India Act -1934 Bank Nationalization Act -1969 Ans:Includued in the 2nd schedule of the Reserve Bank of India Act -1934 36.The following is classified as a public sector bank? ICICI Bank IDBI Bank Ltd Axis Bank Local area bank Ans:IDBI Bank Ltd 37.The banker-customer relationship in credit card payment is? Creditor-debtor Debtor-creditor Agent principal Principal-agent Ans:Debtor-creditor 38.The base rate is set by? Individual banks RBI Government of India RBI in consultation with Government Ans:Individual banks 39.State Bank of Indias new floating rate of deposit is directly linked to? Inflation Rate BPLR Base Rate BankRate Ans:Base Rate

40.Six private sector banks were nationalised on April 15, 1980, whose reserves were more than? 100 Crores Rs. 200 crores 300 crores 400 crores Ans:Rs. 200 crores

1.A camp has provisions to last for 6 days for 224 cadets. How many cadets must be sent away for the provisions to last for 7 days? a. 192 b. 32 c. 48 d. 96 Answer:b 2.In a race the speeds of A and B are in ratio of 3:4. A takes 30 min more than B to reach the target. Time taken by A to reach target is a. 1 hr b. 90 min c. 2 hrs d. 2.5 hrs Answer:c 3.A fathers age is 4 times the age of his elder son and 5 times the age of his younger son. When the elder son lived to three times his present age, then fathers age will exceed his younger sons age by 3 yrs. What is the age of the father? a. 40 yrs b. 32 yrs c. 30 yrs d. None Answer:d 4.Two pipes can fill a tank in 4 hr and 5 hr respectively. If they are turned on alternatively for 1 hr each, the tank will be filled in a. 4 hr. 24 min b. 4 hrs c. 4.5 hrs d. 5 hrs Answer:a 5.If a train running at 72 kmph crosses a tree in 7 s its length is a. 150 m b. 135 m c. 140 m d. 126 m Answer:c 6.In an apartment exactly 1/3rd of flats have two bedrooms and exactly 1/7th of flats have three bedrooms. How many flats could be there? a. 42 b. 50 c. 56

d. 57 Answer:a 7.The sum of n different positive integers is less than 100. What is the maximum possible value of n? a. 10 b. 11 c. 12 d. 13 Answer:d 8.How many lead ball each of radius 1 cm can make a sphere of radius 8 cm? a. 64 b. 128 c. 256 d. 512 Answer:d 9.1, 4, 2, 8, 6, 24, 22, 88, ___ a. 352 b. 78 c. 84 d. 86 Answer:d 10.A class of 356 votes has to choose the president. With 5 candidates seeking office, what is the least number of votes a successful candidate could receive to win? a. 71 b. 72 c. 89 d. 179 Answer:b 11.How many number s are there between 200 and 300 in which 9 occurs only once? a. 19 b. 20 c.21 d. 18 Answer:d 12.An amount of Rs.417 is divided among A, B, C and D such that A gets Rs.13 more than B, B gets Rs.9 more than C and C gets Rs.6 more than D. As share is a. 121 b. 116 c. 120

d.124 Answer:b 13.Manju took Rs. 20000 at 5% SI for 2 years and invested it at 4% CI for same period. Find her gain/loss. a. Rs. 368 gain b. Rs.423 gain c. Rs. 368 loss d. Rs. 200 gain Answer:c 14.A spends 1/4th of his leisure on reading books, 2.3rd of the remaining on watching TV. If he spends 2 hrs on watching TV what is the total time of her leisure? a. 6 hrs b. 8 hrs c. 2 hrs d. 4 hrs Answer:a 15.A plant reproduces at the rate of 25% every 12 min. In approximately what time will it triple itself? a. 90 min b. 60 min c. 40 min d. 75 min Answer:b 16.What strength of 20 ml acid should be added to 10 ml of 50% acid to get an average strength of 20% acid? a. 0.5% b. 5% c. 50% d. 5.5% Answer:a 17.A dishonest shopkeeper uses 800 gm weight instead of 1ks and mixes 20% impurities to wheat. Find his gain %. a. 30 b. 40 c. 50 d. 60 Answer:c 18.If the price of sugar increases by 30% by what percentage the consumption be reduced to make the expenditure same? a. 25

B. 20 C. 23 d. 16 2/3 Answer:c 19.A man invests Rs. 4400 in stock at 110 and sells when the stock rises to 119. What is profit? a. 396 b. 380 c. 360 d. 340 Answer:c 20.A boat is rowed down the river at 10 kmph and up the river at 2 kmph. What is the speed of the current? a. 8 kmph b. 6 kmph c. 3.5 kmph d. 4 kmph Answer:d 21.The price of a mobile phone is decreased by 30% there by its sales is increased by 40%. What is the percentage of change in the turnover for the shopkeeper ? a.1.10% Decrease b.2.2% Decrease c.3.20% Decrease d.4.10% Increase Answer:b 22. 20 litres of a mixture of milk and water contains 40% water. When 5 litres of milk is added, what will be the percentage of milk in the mixture ? a. 25 b. 60 c. 68 d. 75 Answer:c 23.x % of y +++ y % of x = z% of xy then z = ? a. x b. y c. xy d. 2 Answer:d

24.David sells a bicycle to Raju at 30% profit. Raju sells it to Mohan at 10% loss. If Mohan pays Rs. 234 for it, at what price did David buy it ? a. Rs.250 b. Rs.200 c. Rs.310 d. Rs.280 Answer:b 25.The cost price and selling price of a table are in the ratio 4:7. What is the percentage of profit ? a. 40% b. 60% c. 65% d. 75% Answer:d 26.By selling 80 oranges, a fruit seller gains the cost price of 20 oranges, a fruit seller gains the cost price of 20 oranges. What is his gain percentage ? a. 20% b. 30% c. 50% d. 25% Answer:d 27.The investments of A,B and C are in the ratio 7:8:6. If B and C together received together Rs. 24000 as their share in the profit, what is As share in the profit? a. Rs.12000 b.Rs.9000 c. Rs.8000 d.Rs.10,000 Answer:a 28.The investments of A and B are in the ratio 3:2. A withdraws his capital in 6 months, then how long Bs capital is used, if they divide the profit equally ? a. 8 months b. 9months c. 6 months d. 11 months Answer:b 29.Mr.Pavan has two daughters. His age is 3 times the sum of the ages of his daughters. After 4 years his age will be twice the sum of the ages of his daughters. What is the present age of Mr. Pavan

a. 42 years b.36 years c. 38 years d.24 years Answer:b 30.The average weight of 8 men is increased by 1.5 kg when one of the men who weigh 65 kg is replace by a new man. The weight of the new man is a.76 kg b.76.5 kg c.76.7 kg d.77 k Answer:d 31.Four bells will ring at intervals of 18, 24, 32 and 40 seconds. If they begin by ringing together what time will elapse before they ring together again? a. 1000 min b. 2000 min c. 1440 min d. 1560 min Answer:c 32.At what rate will the interest on Rs. 1125/- be Rs. 225 for 4 years? a. 6% b. 5% c. 8% d. 4% Answer:b 33.By selling 32 books for Rs. 100/- a man loses 40%. How many books shall he sell for Rs. 100/- to gain 20%? a. 18 b. 16 c. 10 d. 8 Answer:b 34.A person spends Rs. 501 in buying tables and chairs. If the cost of each chair is Rs. 15 and table costs 40% more than the chair and total number of articles he bought was 27, how many of each kind did he buy? a. 16, 11 b. 15, 12 c. 13, 14 d. 10, 17 Answer:a

35.Milk is available in two vessels. The ratio of milk to water in each of the vessels is 9 : 7 and 11 : 8 respectively. Which vessel contains more water? a) 2nd Vessel b) 3rd Vessel c) 1st Vessel d) None Answer:c 36.If 6 horses eat 108 kg of grass in 4 days, how much grass will be eaten by 20 horses in 3 days? a) 440 b) 270 c) 430 d) None Answer:b 37.A and B entered into a partnership with Rs.5 lakhs and Rs.6 lakhs respectively. After 6 months A invested Rs.1 lakh and after one more year B withdrew 2 lakhs. Find the share of A in the profit of Rs.26 lakhs at the end of the third year. a) 2 lakhs b) 4 lakhs c) 7 lakhs d) 14 lakhs Answer:d 38.P and Q entered into a partnership with Rs.75000 and Rs.1,25,000 respectively. Q was the sleeping partner. At the end of the year they shared the profit of Rs.2,40,000 in the ratio of 5 : 3. Find the salary drawn by P. a) Rs.48000 b) Rs.96000 c) Rs.25000 d) None Answer:b 39.A sum of Rs5500 is lent out in 3 parts in such a way that the interest on first part at 5% for 2 years and the interest on the second part at 6% for 5 years and that of 4% for 5 years on the third part are equal. The ratio in which the sum is divided into three parts is . a) 6 : 2 : 3 b) 3 : 6 : 2 c) 3 : 2 : 6 d) 6 : 3 : 2 Answer:b 40.Two taps A & B can fill a cistern in 12 and 16 minutes respectively. Both fill taps are opened together, but 4 minutes before cistern is full, one tap A is closed. How much time will the cistern take to fill? a) 9 1/7 min.

b) 3 1/7 min. c) 11 1/7 min. d) None Answer:a 41.Find the last digit of the product 8743 x 7156 x 7567 x 8452 a) 3 b) 6 c) 4 d) 2 Answer:d 42.Two numbers in binary system are 110010011 and 101010101. Find their difference in decimal system. a) 66 b) 56 c) 65 d) 62 Answer:d 43.The side of a square is decreased by 10%. What is the percent of change in area? a) 20% decrease b) 100% decrease c) 19% decrease d) 21% decrease Answer:c 44.In an examination, 22% students failed. If the number of passed candidates was 420 more than number of failed candidates, then the total number of candidates appeared the examination is? a) 300 b) 324 c) 750 d) 960 Answer:c 45.The average age of a family of 6 members is 22 years. If the age of the youngest member be 7 years, the average age of the family at the birth of the youngest member is a) 15 years b) 17 years c) 17.5 years d) 18 years Answer:d 46.Find the average of squares of first consecutive even numbers from 1 to 26. a) 243

b) 236 c) 252 d) 235 Answer:c 47.As money : Bs money = 4 : 5 and Bs money : Cs money = 2 : 3. If A has Rs.800, then what amount of money C has? a) 1600 b) 2700 c) 1500 d) None Answer:c 48.The income of A, B and C are in the ratio 7 : 9 : 12 and their spending are in the ratio 8 : 9 : 15. If A saves 1/4th of the income then what is the ratio of the savings of A, B and C? a) 56 : 69: 99 b) 56 : 99 : 69 c) 69 : 56 : 99 d) None Answer:b 49.A, B and C started a business. The capital of A is three fourth of as much as the capitals of B and C together and the capital of B is two third of as much as the capitals of C and A together. Find the share of C in the annual profit of Rs.1,75,000. a) Rs.15000 b) Rs.30000 c) Rs.8000 d) None Answer:d 50.If the S.I. for 3 years at 5% is Rs.1200 then find the C.I. a) Rs.1206 b) Rs.1241 c) Rs.1251 d) Rs.1261 Answer:d