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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 cheque is post datedView Explanation
(1)  bank on whom it is drawn will not honour the cheque before the date of the cheque
(2)  bank on whom it is drawn has to honour the cheque before the date of the cheque
(3)  bank on whom it is drawn has the option to honour the cheque before the date of the cheque or not
(4)  bank on whom it is drawn has to refer to RBI to honour the cheque before the date of the cheque
(5)  bank on whom it is drawn has to refer to the court to honour the cheque before the date of the cheque
2) EFT meansView Explanation
(1)  Effective Funds Transfer
(2)  Efficient Funds Transfer
(3)  Easy Funds Transfer
(4)  Electronic Funds Transfer
(5)  Electric Funds Transfer
3) Which of the following banks in India has maximum number of branches and ATMs in India ?View Explanation
(1)  IDBI Bank
(2)  Bank of India
(3)  Punjab National Bank
(4)   ICICI Bank
(5)  State Bank of India
4) Non performing assets mean View Explanation
(1)  the assets have stopped giving losses to a bank
(2)  the assets have stopped giving capital to a bank
(3)  the assets have stopped giving income to a bank
(4)  the assets have stopped giving income and expenses to a bank
(5)  the assets have stopped giving expenses to a bank
5) Which of the following is the currency of South Korea?View Explanation
(1)  Yen
(2)  Kyat
(3)  Won
(4)  Rupee
(5)  Ringit
6) The ownership of Public sector banks restsView Explanation
(1)  Wholly with Government of India
(2)  Jointly with Government of India and State Bank of India
(3)  Wholly with shareholders from the public
(4)  Jointly with Government of India and Reserve Bank of India
(5)  Jointly with Government of India and shareholders from the public
7) The Head Quarters of the World Bank is located in___View Explanation
(1)  London
(2)  Paris
(3)  New York
(4)  Tokyo
(5)  Washington D. C.
8) NEFT and RTGS in banking terminology speaks of_____View Explanation
(1)  Various deposit products
(2)  Various loan products
(3)  Electronic Payment Products within a bank
(4)  Electronic Fund Transfer from bank to bank
(5)  Cheque Truncation Process
9) Crossing of cheques makes themView Explanation
(1)  Invalid document
(2)  Ineligible to endorse to a person other than the payee
(3)  Remain the same in all respect, it is only a practice
(4)  Eligible for payment irrespective of sufficient balance in the account
(5)  Ineligible to get cash across the bank counter
10) ‘Sub Prime Lending’ which was the root cause for global meltdown in banks during 2008 meansView Explanation
(1)  Bank finance for non-productive activities
(2)  Bank finance not properly disclosed in its Balance Sheet
(3)  Bank finance in violation to the directives of the Central Bank
(4)  Bank finance to fictitious entities
(5)  Bank finance who do not qualify for the best market interest rates
11) The most powerful tool used by the Reserve Bank of India to control inflation isView Explanation
(1)  Raise interest rates
(2)  Reduce interest rates
(3)  Raise Currency Supply
(4)  Reduce Currency Supply
(5)  Raise interest rates and reduce currency supply
12) The latest merger of bank with State Bank of India is____View Explanation
(1)  State Bank of Hyderabad
(2)  State Bank of Indore
(3)  State Bank of Saurashtra
(4)  State Bank of Travancore
(5)  None of these
13) When a bank dishonours a chequeView Explanation
(1)  it is called settlement of the cheque
(2)  it is called withdrawing of the cheque
(3)  it is called nullifying of the cheque
(4)  it is called truncating of the cheque
(5)  it is called return of the cheque unpaid
14) In a bank the following are the usual types of deposit accountsView Explanation
(1)  Savings accounts, electricity accounts and insurance premium accounts
(2)  Fixed deposits, Post office savings bank accounts and current deposit accounts
(3)  Current accounts, savings bank accounts and term deposit accounts
(4)  Loan accounts, savings bank accounts and term deposit accounts
(5)  Current bill accounts and term deposit accounts
15) Mobile banking requires View Explanation
(1)  account with a bank with mobile phone linked to interbank mobile payment service
(2)  account with mobile post office
(3)  account with bank along with mobile phone linked to international mobile payment service
(4)  account with bank and mobile phone linked to interstate mobile payment service
(5)  account with bank along with mobile phone linked to inter-district mobile payment service
16) A Saving Bank Deposit Account is one whereView Explanation
(1)  The deposits are made only once in a year
(2)  Amounts are deposited and are withdrawn as per requirement of the customers
(3)  Periodical Fixed amount are deposited monthwise and withdrawal are allowed after a fixed period
(4)  The deposits are made once in every month
(5)  None of these
17) The Government of India has recently added the following currency for allowing Indian companies to raise debts through External Commercial Borrowings.View Explanation
(1)  EURO
(2)  Dinar
(3)  Great Britain Pound
(4)  Chinese Yuan
(5)  Japanese Yen
18) Banking Sector will fall under which of the following ?View Explanation
(1)  Agricultural Sector
(2)  Service Sector
(3)  Manufacturing Sector
(4)  Industrial Sector
(5)  Small Scale Sector
19) ‘Base Rate’ in banks isView Explanation
(1)  Rate of interest payable on demand deposits
(2)  Rate of interest payable on fixed deposits
(3)  Rate of interest charged by RBI on long term borrowings of Public Sector Banks
(4)  Minimum lending rate decided by RBI which shall be adopted by all Public Sector Banks
(5)  The minimum interest rate fixed by individual banks, below which they cannot lend funds, except cases like Government sponsored scheme
20) What does the letter ‘R’ denote in the abbreviation ‘BR Act’ which controls banking activities in the country ?View Explanation
(1)  Reformation
(2)  Regulation
(3)  Reporting
(4)  Resolution
(5)  Ranking
21) A Savings Bank Account opened with a commercial bank with zero balance or very minimal balance is known asView Explanation
(1)  Savings Bank-Ordinary Account
(2)  Student Savings Bank Account
(3)  No Frill Account
(4)  Current Account
(5)  Call Deposit
22) Banks in India are regulated underView Explanation
(1)  Companies Act, 1956
(2)  Banking Regulation Act, 1949
(3)  Reserve Bank of India Act, 1934
(4)  Special powers conferred on the RBI
(5)  None of these
23) Which of the following organisation/agencies is specifically set up to boost overall rural development in India ?View Explanation
(1)  RBI
(2)  SIDBI
(3)  NABARD
(4)  SEBI
(5)  EXIM
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