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TAKE 1

TAKE 2
WhaL ls a 8ank?
8ank ls deflned under 8anklng 8egulaLlon AcL
1949
8ank ls a |ntermed|ary beLween savers and
users of funds
8ank ls a flnanclal lnsLlLuLlon whose prlmary
acLlvlLy ls Lo acL as a paymenL agenL for
cusLomers Lo borrow and lend
TAKE 3
ervlces Cffered
AccepLlng ueposlLs from ubllc ln Lhe form of
avlngs CurrenL and llxed ueposlL
8emlL money from one place Lo anoLher ln Lhe
form of uemand ueposlL or Money 1ransfer
AccepLs Lax paymenL from cusLomers on
behalf of Lhe CovernmenL
Lends money for 8uslness agrlculLure
purchase of house or vehlcles eLc
TAKE 4
ervlces Cffered
1ransacLs forelgn exchange and helps
lmporLers and exporLers
8uys and ells lorelgn currency
Cffers afe ueposlL vaulLs(Locker)
CperaLes A1M machlnes
Cffers ueblL / CredlL card laclllLles
TAKE 5
luncLlons of 8anklng
ueposlL 1aklng
Lendlng
lunds 8emlLLance
Mlscellaneous servlces
LlecLronlc 8anklng
TAKE 6
lsLory
8anklng ln lndla LarLed ln 18
Lh
cenLury
Ceneral 8ank (1786)
8ank of lndusLan
LaLe 8ank of lndla( 1he 8ank of CulcuLLa)
1806
Allahabad 1
sL
lndlan owned bank (1863)
88l Look regulaLory power for lndla banklng
secLor (1933)
TAKE 7
88l
The Bank of Bengal/ State
Bank of ndia (18
th
Century)
TAKE 8
-at|ona||sat|on
8anklng lndusLry played a vlLal role ln lndlan
Lconomy (8y 1960's)
lndlra Candhl played key role ln
naLlonallzaLlon
14 LargesL Commerclal 8anks were
naLlonallzed by mldnlghL 19
Lh
!uly 1969
TAKE 9
|bera||zat|on
ln 1990's narashlma 8ao's governmenL
embarked on a pollcy of llberallzaLlon
1hey gave llcense Lo small number of prlvaLe
banks (new generaLlon Lechsavy banks)
C18 was 1
sL
u1l lClCl ulC
lL klck sLarLed Lhe 8anklng secLor ln lndla
TAKE 10
t present
1echsavy banks meLhods led Lo reLall boom ln
lndla
eople noL [usL demand buL recelved more
8anklng has maLured ln supply and producL
range
TAKE 11
t present
lndla has 88 cheduled commerclal banks
28 publlc secLor banks
29 prlvaLe secLor banks
31 forelgn secLor banks
Comblned neLwork of over 33000 branches
and 17000 A1M's
ubllc secLor banks hold 73 of LoLal asseLs of
banklng lndusLry
TAKE 12
nedu|ed 8anks
8anks cheduled ln banks llsLed ln Lhe second
schedule of 88l AC1 1934
1hese banks are requlred Lo malnLaln cerLaln
amounLs wlLh 88l
1hey en[oy Lhe faclllLy of flnanclng
accommodaLlon and remlLLance faclllLles aL
concesslonary raLes from 88l
TAKE 13
trunture Cf 8anks
8anks
Commerclal
8anks
Coop
8anks
TAKE 14
Commerclal
8anks
ubllc
secLor
banks
rlvaLe ecLor
banks
Local Area 8anks lorelgn 8anks
8eglonal 8ural
8anks
TAKE 15
CoCp 8anks
urban Coop
8anks
Agrl Coop
8anks
Land
uevelopmenL
8anks
TAKE 16
PubIic Sector banks
Ma[orlLy Cwnershlp held by CovernmenL of
lndla
31 or more share CaplLal held by CCl
AccounL for 72 of Lhe banklng buslness ln
lndla
ConLrlbuLes Lo abouL 73 of LoLal deposlLs
And 70 of LoLal advances(Loans) Lo all
commerclal banks ln lndla
TAKE 17
9ub||n entor 8anks
Public Sector Banks
The State Bank Group Nationalised Banks
TAKE 18
@e tate 8ank Group
1hls comprlses of LaLe 8ank of lndla (LargesL 8ank ln
lndla) and lLs seven assoclaLe banks namely
LaLe 8ank of aLlala
LaLe 8ank of lndore
LaLe 8ank of 8lkaner !alpur
LaLe 8ank of aurasLra
LaLe 8ank of Mysore
LaLe 8ank of derabad
LaLe 8ank of 1ravancore
TAKE 19
-at|ona||zed banks
LaLe 8ank of lndla
LaLe 8ank of Mysore
Allahabad 8ank
Andhra 8ank
8ank of 8aroda
8ank of lndla
8ank of MaharashLra
Canara 8ank
CenLral 8ank of lndla
CorporaLlon 8ank
uena 8ank
lndlan 8ank
lndlan Cverseas 8ank
CrlenLal 8ank of Commerce
un[ab lnd 8ank
un[ab naLlonal 8ank
yndlcaLe 8ank
unlon 8ank of lndla
unlLed 8ank of lndla
uCC 8ank
vl[aya 8ank
lu8l 8ank
TAKE 20
Private sector banks
lncorporaLed ln lndla and Lhelr shareholdlngs
are wlLh publlc and large buslness houses
Ma[orlLy of Lhese banks belong Lo caLegory of
old generaLlon 8anks
CLher caLegory of new generaLlons prlvaLe
secLor are lncorporaLed posL 1993
1hey are modern and comparable Lo forlgen
banks
TAKE 21
9r|vate entor 8anks
Axis Bank
Bank of Rajasthan
Bharat Overseas Bank
Catholic Syrian Bank
Centurion Bank of Punjab
City Union Bank
Development Credit Bank
Dhanalakshmi Bank
Federal Bank
Ganesh Bank of Kurundwad
South ndian Bank
Tamilnad Mercantile Bank
YES Bank
HDFC Bank
CC Bank
ndusnd Bank
NG Vysya Bank
Jammu & Kashmir Bank
Karnataka Bank Limited
Karur Vysya Bank
Kotak Mahindra Bank
Lakshmi Vilas Bank
Nainital Bank
Ratnakar Bank
SB Commercial and
nternational Bank
TAKE 22
ore|gn banks
1hese are banks lncorporaLed ouLslde lndla
CranLed llcense by 88l Lo do 8anklng buslness
ln lndla Lhrough Lhelr branches
neLwork of Lhese 8anks are small compared
Lo rlvaLe ecLor 8anks
CperaLlons are Lechnology drlven
lnLernaLlonal resence
TAKE 23
ore|gn banks
ClLlbank
8C
Landard CharLered
ueuLsche 8ank
A8n Amro
TAKE 24
eg|ona| ura| 8anks (8s)
1hey are also scheduled banks
1hey are small locallzed banks operaLlng ln
rural areas aL dlsLrlcL level
1hey are opened by 8lg naLlonallzed banks
1helr ownershlp caplLal ls provlded [olnLly by
cenLral govL (30) LaLe CovL (13) sponsor
publlc secLor bank (33)
TAKE 25
ooperat|ve 8anks
1hese are banks reglsLered under 8eglsLrar of
CooperaLlves
1helr maln regulaLor ls LaLe CovernmenL
8egulaLed by CenLral CovL lf Lhe branches are
ln more Lhan 1 sLaLe
1hey operaLe ln small level
noproflL or noloss
TAKE 26
ooperat|ve 8anks
ClasslflcaLlon
rlmary CooperaLlve 8anks (urban
CooperaLlve 8anks)
horL 1erm CooperaLlve 8anks (AgrlculLure
CoperaLlve 8anks)
AgrlculLure and 8ural uevelopmenL
8anks(Land MorLgage 8ank)
TAKE 27
Bank is a ____
a) Business that carries out lending money
and accepting money from public
b) A person who engages the business of
lending money and accepting deposits
c) An institution that carries the business of
accepting money and lending money
d) Buying and selling money
TAKE 28
Banking is a ______
a) Business that carries out lending money and
accepting money from public
b) A person who engages the business of
lending money and accepting deposits
c) An institution that carries the business of
Accepting money and lending money
d) Buying and selling money
TAKE 29
Banker is a ________
a) Business that carries out lending
money and accepting money from public
b) A person who engages the business of
lending money and accepting deposits
c) An institution that carries the business
of Accepting money and lending money
d) Buying and selling money
TAKE 30
The term banking is defined in
________
a) Banking Regulation Act, 1949
b) Negotiable nstruments Act, 1881
c) ndian Companies Act, 1956
d) Under no provision of statue
TAKE 31
Bank is divided into
a) Public sector banks & Private
Sector banks
b) Scheduled Banks and Nationalized
Banks
c) ndian Banks and Foreign banks
d) Commercial Banks and Co-
operative banks
TAKE 32
Public Sector Banks
a) Contributes 75% of total deposits to
all commercial banks
b) Contributes 70% of total advances
to all commercial banks
c) Both A & B are correct
d) Both A & B are no correct
TAKE 33
Public Sector Banks consists
a) State Bank of ndia and
Nationalized Banks
b) Government banks
c) Public banks
d) All of the above
TAKE 34
Scheduled banks are
a) Listed in second schedule of the
Reserve bank of ndia Act, 1934
b) Scheduled to perform the business
of banking
c) Scheduled in Banking regulation act
of 1949
d) None of the above
TAKE 35
Which of the following contributes the
biggest part in banking business
a) Foreign Sector Banks
b) Private Sector Banks
c) Public Sector Banks
d) RRB's
TAKE 36
n Public Sector Banks, Government of
ndia holds
a) Less than 25 % of the Share capital
b) 51% or more of the share capital
c) Less than 51 % of the Share Capital
d) More than 25% of the share capital
TAKE 37
Regional Rural Banks
a) Operate in major cities only
b) Operate in metro cities only
c) Small and localized banks in rural
areas
d) None of the above
TAKE 38
Regional Rural Banks
a) Government banks
b) State banks
c) Central Government (50%),
concerned State Government (15%)
and the sponsor public sector bank
(35%).
d) None of the above
TAKE 39
RRB stands for:
a) Regional Rural Bank
b) Rural Regional Bank
c) Reserve Rural Bank
d) Reserve Regional Bank
TAKE 40
Private sector banks
a) ncorporated in ndia
b) ncorporated outside ndia
c) Government owned banks
d) None of the above
TAKE 41
Foreign Banks are
a) ncorporated in ndia
b) ncorporated outside ndia
c) Government Owned Banks
d) None of the above
TAKE 42
Co-operative Banks motive is
a) Less Profit, More Loss
b) More Profit, Less Loss
c) More Profit More Loss
d) No Profit, No loss
TAKE 43
What is the size of Co-operative Banks,
generally they operate
a) Large and big
b) Commercial
c) Small compared to commercial Banks
d) All of the above
TAKE 44
Co-operative Banks are registered
under :
a) Reserve Bank of ndia
b) Registrar of Companies
c) Registrar of Co-operatives
d) None of the above
TAKE 45
Which of the following is Registered
with Register of Co-operatives
a) Co-operative societies
b) Public Banks
c) Co-operative Banks
d) Local Area Banks
TAKE 46
____________ is the regulator for
Commercial Banks
a) ndian Banks Association
b) Reserve bank of ndia
c) SEB
d) RDA
TAKE 47
Core Function of a Bank comprises of
a) ATM & Credit card
b) Electronic Banking
c) Deposit Taking, Lending & Funds
Remittance
d) Debt Recovery
TAKE 48
The bank (Principal) lends money out of the
______ collected from the public and repayments
of the loans by the particular debtor and the others
as per the loans' term would enable the bank to
pay the ______ when demanded by the depositors
a) Deposits, Deposits
b) Advance, Deposits
c) Advances, Advances
d) None of the above
TAKE 49
Banking products are _____
a) Tangible
b) ntangible
c) Perishable
d) Tradable
TAKE 50
Which of the following statements
is/are functions of banking
a) Accepting money from public
b) Lending Loans to Public
c) Remitting Funds
d) All of the above
TAKE 51
The differential between the average
interest rates on loans and on
deposits is
a) Accrued nterest
b) Retained Earnings
c) nterest Spread
d) Profit
TAKE 52
Under electronic banking a customer can
access his account using the internet by
a) By using his Customer D and PN number
b) By using his Customer D and Password
c) By using his Password and PN number
d) By using his Customer D and PN number
and password