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TEST YOUR BANKING AWARENESS(Previous Papers based on memory)
Set 01 IBPS BANK PO/MT CWE Held on: 18.09.2011
Set 02 IBPS BANK CLERK CWE Held on: 27.11.2011(1st Sitting; East Zone)
Set 03 IBPS BANK CLERK CWE Held on: 27.11.2011(2nd Sitting; West Zone)
Set 04 IBPS BANK CLERK CWE Held on : 27.11.2011(2nd Sitting; North Zone)
Set 05 IBPS BANK CLERK CWE Held on : 27.11.2011 (1st Sitting; South Zone)
Set 06 IBPS BANK CLERK CWE Held on : 04.12.2011 (1st Sitting; Eastern Zone )
Set 07 IBPS SPECIALIST OFFICER CWE Held on: 11.03.2012
Set 08 IBPS BANK PO/MT CWE Held on: 17.06.2012
Set 09 IBPS RRBs OFFICE ASSISTANT CWE Held on: 09.09.2012
Set 10 IBPS BANK CLERK ONLINE CWE-II Held on: 16.12.2012 (Morning Shift)
Set 11 IBPS RRB CLERK ONLINE CWE Held on: 29.09.2013
Set 12 IBPS CLERK ONLINE CWE-III Held on: 14.12.2013

1) If a crossed cheque is presented for payment_______View Explanation
(1)  Cash can be paid across the counter to the presenter.
(2)  Cash can be paid across the counter to the account holder only.
(3)  It can be paid only through a banker
(4)  It cannot be paid at all.
(5)  It can be paid across the counter in another bank
2) For using safe deposit locker facilities, bank customers payView Explanation
(1)  commission on locker
(2)  interest on locker
(3)  rent on locker
(4)  exchange on locker
(5)  safe custody charges
3) Mortgage is a security created onView Explanation
(1)  movable property for a loan given by a bank.
(2)  immovable property for a deposit received by a bank
(3)  a confirmation of immovable property given by a bank.
(4)  movable property for a deposit given by a bank
(5)  immovable property for a loan given by a bank.
4) Travellers cheque isView Explanation
(1)  a supplementary credit card.
(2)  a cheque issued by a bank or finance institution which functions as capital.
(3)  a certificate issued by a bank or finance institution in lieu of cash.
(4)  a cheque issued by a bank or finance institution which functions as a bond.
(5)  a prepaid instrument issued by a bank or finance institution which can be substitute of cash.
5) What is the Currency of Iran?View Explanation
(1)  Dinar
(2)  Euro
(3)  Rial
(4)  Peso
(5)  Taka
6) Which of the following is a Private Bank in India ?View Explanation
(1)  Union Bank of India
(2)  Syndicate Bank
(3)  IDBI Bank
(4)  UCO Bank
(5)  HDFC Bank
7) Real Time Gross Settlement or RTGS enablesView Explanation
(1)  Immediate transfer of money from customer of one bank to customer of another bank.
(2)  Immediate transfer of money from customer of one branch to customer of another branch within the same bank.
(3)  Immediate transfer of money from customer of one country to customer of another country.
(4)  Immediate transfer of money from customer of one bank to customer of RBI.
(5)  None of these
8) What does the letter ‘S’ denote in the term ‘SEZ’ as seen frequently in financial newspapers?View Explanation
(1)  Small
(2)  Social
(3)  Secret
(4)  Secondary
(5)  Special
9) ‘Bulls and Bears’ are terms used inView Explanation
(1)  Bullion markets
(2)  Vegetable markets
(3)  Stock Exchange
(4)  Commodity Markets
(5)  None of these
10) Banks cannot do the following businessView Explanation
(1)  accept demand and time deposits from public.
(2)  accept items for keeping in safe custody.
(3)  sell gold coins
(4)  buy commodities for trading.
(5)  accept foreign currency for selling to money changers
11) In the following accounts operation by cheques is permittedView Explanation
(1)  Savings bank accounts and fixed deposit accounts
(2)  Current accounts and fixed deposit accounts.
(3)  Savings bank accounts and floating loan accounts
(4)  Savings bank accounts and cash accounts
(5)  Savings bank accounts and current accounts
12) ‘Nomination’ for a deposit account in the bank meansView Explanation
(1)  Mandate given by the close relative/s of the depositor, to settle the death claim in case of death of the depositor.
(2)  Mandate decided by the bank to settle the death claim of its depositor
(3)  Mandate of the depositor in favour of one or more persons, to claim the amount on death of the depositor
(4)  Mandate of the depositor in favour of a close relative who can claim the amount on death of the depositor.
(5)  Court order instructing the banks to settle the death claim of its depositor.
13) A nationalised bank is also called by the following nameView Explanation
(1)  Private Sector Bank
(2)  Self Help Group
(3)  Cooperative Bank
(4)  Grameen Bank
(5)  Public Sector Bank
14) When a customer draws a cheque on a bankView Explanation
(1)  it is a mandate on that bank to pay.
(2)  it is a mandate on the Government of India to pay.
(3)  it is a mandate on the State Government to pay
(4)  it is a mandate on the RBI to pay
(5)  it is a mandate on the Finance Ministry to pay.
15) NPA in banking terminology denotesView Explanation
(1)  New Para-banking Assets
(2)  Net Profitable Assets
(3)  Net Performing Assets
(4)  Non-performing Assets
(5)  None of these
16) What is Repo Rate ?View Explanation
(1)  It is a rate at which RBI sells government securities to banks
(2)  It is a rate at which RBI allows small loans in the market
(3)  It is a rate at which banks borrow rupees from Reserve Bank of India.
(4)  It is a rate which is offered by Banks to their most valued customers or prime customers
(5)  None of these
17) In India the interest rate on savings bank accounts in all nationalised commercial banks is fixed byView Explanation
(1)  Union Ministry of Finance
(2)  Union Finance Commission
(3)  Indian Banks Association
(4)  Reserve Bank of India
(5)  All the banks decide together
18) RBI’s policy stance to manage interest and liquidity are used forView Explanation
(1)  Moderate inflation and maintain economic growth
(2)  Moderating competition among private and public sector banks
(3)  Eradicate un-employment in public sector.
(4)  Moderate currency supply in public hands
(5)  Moderate deposits in public sector banks
19) The higher rate of growth of economy certainly reduces theView Explanation
(1)  Gender inequalities
(2)  Poverty
(3)  Population of a country
(4)  Flow of foreign direct investment
(5)  None of these
20) Which Bank is the Banker to the Central Government?View Explanation
(1)  Central Bank of India
(2)  Reserve Bank of India
(3)  Punjab National Bank
(4)  State Bank of India
(5)  All of these
21) ‘Financial Inclusion’ is the latest powerful tool adopted by Reserve Bank of India, to fulfill the basic objective ofView Explanation
(1)  uplifting of population lying Below Poverty Line
(2)  Connecting every Indian to the Country’s Banking System
(3)  Ensuring bank finance to all the landless agriculturists.
(4)  Overall financial growth backed by inflation control.
(5)  Inclusion of latest technology in Financial Sector of the Country.
22) KYC meansView Explanation
(1)  Know your Company
(2)  Know your Customer
(3)  Know your Currency
(4)  Know your Creditors
(5)  None of these
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