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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) Which of the following is known as cross selling by Banks ? A) Sale of a debit card to a credit card holder B) Sale of Insurance policy to a depositor C) Issuance of Cash against Cheque presented by a third partyView Explanation
(1)  Only (A)
(2)  Only (B)
(3)  Only (C)
(4)  Both (A) and (C)
(5)  All (A), (B) and (C)
2) Financial inclusion means provision of View Explanation
(1)  financial services namely, payments, remittances, savings, loans and insurance at affordable cost to persons not yet given the same.
(2)  ration at affordable cost to persons not yet given the same.
(3)  house at affordable cost to persons not yet given the same.
(4)  food at affordable cost to persons not yet given the same.
(5)  education at affordable cost to persons not yet given the same.
3) Which of the following is correct statement ?View Explanation
(1)  Normally no interest is paid on current deposit accounts
(2)  Interest is paid on current accounts at the same rate as term deposit accounts.
(3)  The rate of interest on current account and savings account are the same.
(4)  No interest is paid on any deposit by the bank.
(5)  Savings deposits are the same as current deposits.
4) Which of the following is/are commodity/ies on which subsidy is given to farmers/poor in India ? (A) Fertilizer (B) Kerosene (C) LPGView Explanation
(1)  Only A
(2)  Only B
(3)  Only C
(4)  Only A & C
(5)  All A, B & C
5) Which of the following is the correct statement?View Explanation
(1)  State bank of India is the sole authority to issue and manage currency in India.
(2)  A nationalized bank is the sole authority to issue and manage currency in India.
(3)  A cooperative bank is the sole authority to issue and manage currency in India.
(4)  RBI is the sole authority to issue and manage currency in India.
(5)  None of these
6) Banks in our country normally publicise that additional interest rate is allowed on retail domestic term deposits of View Explanation
(1)  Minors
(2)  Married women
(3)  Senior citizens
(4)  Govt. employees
(5)  Rural residents
7) Which of the following is not considered a money market instrument?View Explanation
(1)  Treasury bills
(2)  Repurchase Agreement
(3)  Commercial Paper
(4)  Certificate of Deposit
(5)  Shares and bonds
8) A centralized database with online connectivity to branches, internet as well as ATM-network which has been adopted by almost all major banks of our country is known as View Explanation
(1)  investment banking
(2)  core banking
(3)  mobile banking
(4)  national banking
(5)  specialized banking
9) Interest on savings bank account is now calculated by banks onView Explanation
(1)  minimum balance during the month
(2)  minimum balance from 7th to last day of the month
(3)  minimum balance from 10th to last day of the month
(4)  maximum balance during the month
(5)  daily product basis
10) Who among the followings has been appointed as a director on board of Bank of America - the first non-American on the board of the one of the largest financial institutions in the world? View Explanation
(1)  Azim Premji
(2)  Ratan Tata
(3)  Mukesh Ambani
(4)  K. V. Kamath
(5)  Chanda Kocher
11) When the rate of inflation increases View Explanation
(1)  purchasing power of money increases
(2)  purchasing power of money decreases
(3)  value of money increases
(4)  purchasing power of money remains unaffected
(5)  amount of money in circulation decreases
12) What is the full form of ‘FINO’ a term we see frequently in financial newspapers ?View Explanation
(1)  Financial Investment Network and Operations
(2)  Farmers’ Investment in National Organisation
(3)  Farmers Inclusion News and Operations
(4)  Financial Inclusion Network and Operations
(5)  None of these
13) What does the letter ‘L’ denote in term ‘LAF’ as referred every now and then in relation to monetary policy of the RBI ?View Explanation
(1)  Liquidity
(2)  Liability
(3)  Leveraged
(4)  Longitudinal
(5)  Linear
14) Distribution of insurance products and insurance policies by banks as corporate agents is known asView Explanation
(1)  General Insurance
(2)  Non-life insurance
(3)  Bancassurance
(4)  Insurance banking
(5)  Deposit insurance
15) Upper limit prescribed for RTGS transaction is View Explanation
(1)  Rs.1 lac
(2)  Rs.2 lacs
(3)  Rs.5 lacs
(4)  Rs.50 lacs
(5)  No upper limit is prescribed
16) Which of the following organizations/agencies has sought an emergency fund of Rs.1000 crore from banks to tackle acute liquidity crisis, which is coming in the way to give loans to micro borrowers?View Explanation
(1)  Regional Rural & Cooperative Banks
(2)  RBI
(3)  Micro Finance Institutions
(4)  NABARD
(5)  None of these
17) Which of the following types of accounts are known as ‘Demat Accounts” ?View Explanation
(1)  Accounts which are Zero Balance Accounts
(2)  Accounts which are opened to facilitate repayment of a loan taken from the bank. No other business can be conducted from there
(3)  Accounts in which shares of various companies are traded in electronic form
(4)  Accounts which are operated through internet banking facility
(5)  None of these
18) Mortgage is a View Explanation
(1)  security on movable property for a loan given by a bank.
(2)  security on immovable property for a loan given by a bank.
(3)  concession on immovable property for a loan given by a bank.
(4)  facility on immovable property for a loan given by a bank.
(5)  security on immovable property for a deposit received by a bank.
19) When a bank returns a cheque unpaid, it is called —View Explanation
(1)  payment of the cheque
(2)  drawing of the cheque
(3)  cancelling of the cheque
(4)  dishonour of the cheque
(5)  taking of the cheque
20) Fixed deposits and recurring deposits are —View Explanation
(1)  repayable after an agreed period
(2)  repayable on demand.
(3)  not repayable.
(4)  repayable after death of depositors.
(5)  repayable on demand or after an agreed period as per bank’s choice.
21) The usual deposit accounts of banks are View Explanation
(1)  Current accounts, electricity accounts and insurance premium accounts
(2)  Current accounts, Post office savings bank accounts and term deposit accounts
(3)  Loan accounts, savings bank accounts and term deposit accounts
(4)  Current accounts, savings bank accounts and term deposit accounts
(5)  Current bill accounts and term deposit accounts
22) Accounts are allowed to be operated by cheques in respect ofView Explanation
(1)  Both Savings bank accounts and fixed deposit accounts
(2)  Savings bank accounts and current accounts
(3)  Both Savings bank accounts and loan accounts
(4)  Both Savings bank accounts and cash accounts only.
(5)  Both Current accounts and fixed deposit accounts
23) Interest payable on savings bank accounts is View Explanation
(1)   not regulated by RBI.
(2)  regulated by State Governments.
(3)   regulated by Central Government.
(4)  regulated by RBI.
(5)   regulated by Finance minister.
24) Which of the following statement is true ?View Explanation
(1)  Banks cannot accept demand and time deposits from public.
(2)  Banks can accept only demand deposits from public.
(3)  Banks can accept only time deposits from public.
(4)  Banks can accept both demand and time deposits from public.
(5)  Banks can accept demand and time deposits only from government.
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