This category would provide specific resources for individuals preparing for competitive exams in the banking sector. It would cover relevant topics such as quantitative aptitude, reasoning, general awareness (especially related to banking and finance) and potentially specialized knowledge of banking procedures and regulations . The content would include practice MCQs, test-taking strategies, and analysis of previous year’s question papers to help understand the exam pattern and the types of questions asked . The importance of this category would be in equipping aspiring banking professionals with the necessary skills and knowledge to excel in
Explain the concept of ‘moral hazard’ in the banking sector.
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A. It refers to unethical behavior of bank employees.B. It's the risk of a bank failing due to fraud.C. It's the increased risk-taking due to government protection.
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What is the purpose of a bank’s capital adequacy ratio.
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A. To measure a bank's profitability.B. To determine the bank's market share.C. To assess a bank's ability to absorb losses.D. To calculate a bank's ...
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What is a Non-Performing Asset (NPA) in banking, and what.
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A. A loan that has been fully repaid.B. A loan where the borrower is making timely payments.C. A loan where the borrower has defaulted on payments.
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What is the role of the central bank in a.
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A. To print money and distribute it to citizens.B. To regulate the stock market and ensure fair trading practices.C. To act as a lender of last resort to ...
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How does a bank manage its credit risk? | credit.
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A. By only lending to high-net-worth individuals.B. Through diversification of loan portfolios and rigorous credit assessment.C. By increasing interest rates on all loans.D. By ...
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What are the key components of a bank’s balance sheet?
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A. Loans, Deposits, and ProfitsB. Assets, Liabilities, and EquityC. Cash, Investments, and BorrowingsD. Capital, Reserves, and Expenses
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Explain the concept of ‘Bank Reconciliation’ and its importance in.
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A. It is a process to ensure all bank employees are properly trained.B. It is a method to determine the bank's profitability.C. It is a comparison of a ...
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How does a bank manage its operational risk to ensure.
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A. By investing solely in high-yield securities.B. By increasing lending rates.C. Through robust internal controls, technology, and employee training.D. By reducing the number of ...
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Describe the role of a ‘Commercial Bank’ in an economy.
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A. To regulate the money supplyB. To act as intermediaries between savers and borrowersC. To issue currencyD. To collect taxes
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What is a ‘Non-Performing Asset’ (NPA) in banking? | npas.
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A. A loan that is fully repaidB. A loan that has not been serviced for a specified periodC. A loan given to a high-credit-worthy borrower