Q 1. Which of the following is a difference between Ethics and Values?
I. Ethics refers to the guidelines for conduct that address questions about morality. Value is defined as the principles and ideals, which helps them in making the judgment of what is more important.
II. Value is a system of moral principles. In contrast to ethics, which is the stimuli of our thinking
III. Ethics are consistent, whereas values are different for different persons, i.e., what is important for one person, may not be important for another person.
IV. Values tell us what we want to do or achieve in our life, whereas ethics helps us in deciding what is morally correct or incorrect, in the given situation.
Q 2. In which of the following cases can the banking ombudsman reject the complaint?
Q 3. Among the given, which of the following is correctly matched?
Q 4. RuPay was introduced in 2012 by---------.
Q 5. Among the given, which of the following statements is correct in context to the financial inclusion in India?
Q 6. Kishan, a branch manager of a nationalised bank, has decided to use a centralised processing system for some purposes. Among the given, he can do which of the following with the help of centralised system?
Q 7. _____ is a system of moral principles. In contrast to ______, which is the stimuli of our thinking.
Q 8. Among the given, which of the following sentences is correct?
Q 9. Which of the following statements is TRUE for Checksums?
I. Checksum is generated to ensure the integrity of data stored in a computer file.
II. Checksum is a number calculated on the basis of certain key data items of the file.
III. Checksum usually does not involve the details of the customer and only involves the branch ID of the banks.
Q 10. Among the below given statements, which of the following is incorrect in context to the method followed halting/stopping a garnishee order?
Q 11. Banking ombudsman may award compensation not exceeding ______ loss of the complainant time, expenses incurred by the complainant, harassment and mental agony suffered by the complainant?
Q 12. Among the given, which of the following is/are not among the methods used for estimating the working capital requirement of a borrower?
Q 13. Those terminals that are attached to a server in a computer network system, are called _____?
Q 14. Shubhash who is the branch manager of Nagpur branch is analysing the report of a loan applicant. Among the below given methods with the help of which of the following methods are the margin requirements through net working capital accruals made during the course of the year by the Shubhash?
Q 15. "Business Ethics is a specialised study of right and wrong applied to business policies, institutions and behaviours". Which philosopher gave this definition?
Q 16. Among the given, which of the following is not a member of CIC?
Q 17. Statement I: The objectives of KYC is to ensure appropriate Customer Identification and to obtain protection under Section 131 of the Negotiable Instruments Act
Statement II: As per KYC Policy Customer does not include Walk In customers
Q 18. Dipali always acts virtuously regardless of circumstance or consequences; the following says which of the following is the nature of Dipali?
Q 19. Mr. Akash who is a customer dedicated branch manager of a top nationalised bank, who is committed to providing quality services to their customers. One fine day he wants to facilitate the automatic transmission and processing of messages and funds from one branch/bank to another branch/bank. Among the given, he will choose which of the following for this purpose?
Q 20. Statement I: The banking ombudsman shall maintain the confidentiality of any information or documents that may come into his knowledge or possession in the course of discharging his duties.
Statement II: The banking ombudsman can disclose the information with the consent of the person furnishing such information or document.
Q 21. Among the given, which of the following is not a correct statement in context to ATM?
Q 22. Mr. Tiwari who is a founder of a start-up, who deals in customer acquisition in banking technology. He has applied to the bank; the manager has accessed his applications and proposals. After analysing all the parameters, the manager has agreed to provide a loan of INR 50 lakhs, but he has made a condition that the loan amount should not be utilised to fund business expansion or to buy long-term investments or assets. Can you help Mr. Tiwari to determine which type of loan he is getting from the bank?
Q 23. Among the given, which of the following is not correctly matched?
Q 24. Mr. Tiwari branch manager of SBI Aurangabad, always provides freedom to the SBI card agent to perform the actions, among the given on the basis of which of the account, he is a standpoint?
Q 25. Which of the following is correct about the function of a self-help group?
I. SHGs offer collateral-free loans to sections of people that generally find it hard to get loans from banks
II. SHGs are an important source of microfinance services to the poor
III. SHGs act as a go-through for formal banking services to reach the poor in urban areas
IV. SHGs also resolve conflicts via mutual discussions and collective leadership
Q 26. Among the given, which of the following statements is correct in context to the complaint under the banking ombudsman?
Q 27. One can file a complaint before the Banking Ombudsman if the reply is not received from the bank within a period of _________ after the bank concerned has received one's representation, or the bank rejects the complaint, or if the complainant is not satisfied with the reply given by the bank.
Q 28. Among the below given statements, which of the following is not correct about the mandate?
Q 29. Among the given, which of the following is/are not the benefits of HWAK?
Q 30. If a customer protests any bill, the bank / NBFC should provide explanation and, if necessary, documentary evidence to the customer within a maximum period of how many days?
Q 31. Consider the following statements and choose the correct answer.
Statement I: ATMs set up, owned, and operated by non-banks are called "Brown Label ATMs"
Statement II: White label ATM refers to an ATM where the machine's money management and connectivity to financial systems are provided by a bank (known as sponsor bank) but the machine is owned by the manufacturer (known as a service provider or vendor) and offered under a lease to the bank
Q 32. Akash has applied for the loan in a nationalised bank, The branch manager Shubhash is analysing the report of a loan applicant. Among the methods given, which of the following doesn't help the Shubhash for estimating the working capital requirement of a borrower?
Q 33. ______ is like a fingerprint. It is unique in case of each individual.
Q 34. According to the "lily pad" model, what does 'high stalk' refer to?
Q 35. Which of the following types of cards have a built-in memory and the processor along with an operating system?
Q 36. Among the given, which of the following is/are the correct statement with regards to the advice given by RBI to the bank for raising the shares in PSL?
Q 37. Among the given, which of the following is correctly matched on the basis of the use of the data acquired in a warehouse?
Q 38. Ram sticks on objective and rational reasons, among the given, on the basis of which of the accounts, he is a standpoint?
Q 39. Formation of "Preventive vigilance committee" as well as ensuring meeting _________ without fail in the branch is the primary responsibility of Branch in charge.
Q 40. The origin of SHGs in India can be traced back to the establishment of the self-employed women's association (SEWA) in ____________.
Q 41. Among the given, which of the following initiatives taken by RBI for financial inclusion?
Q 42. As per ____________ of the Indian stamp Act, if a demand promissory note is unstamped or under-stamped, the defect cannot be rectified even by paying a penalty.
Q 43. Which of the following is the component of a data communication network?
I. Transmission device and interface equipment
II. Transmission medium
III. Transmission processor
Q 44. Which section of the Negotiable Instruments Act, defined cheque as 'a bill of exchange drawn on a specified banker and not expressed to be payable otherwise than on demand'?
Q 45. Which of the following is not an ethical principle?
Q 46. The basic network devices used in a LAN are-------.
Q 47. What are the benefits of practising ethical culture in banks?
I. Helps in protecting depositors' interest
II. Averts breaches of law and corrupt practices
III. Maintain the stability of the banking system
IV. Augment the Bank's brand image and competitiveness
Q 48. Match the following:
1) Jurisdiction of district forum i. section 34
2) Jurisdiction of state commission ii. Section 58
3) Jurisdiction of national commission iii. Section 61
4) Power to set aside ex-parte orders iv. Section 17
Select the correct code:
Q 49. Which of the following is true about work ethics?
I. It is a belief in arduous work and diligence.
II. It has an ethical profit and an inherent ability, virtue, or price to strengthen character and individual abilities.
III. it's a collection of values targeted on the importance of labour and manifested by determination or need to figure hard.
IV. It is considered to boost character through exertions that's several to an individual's field of work.
Q 50. Computers manipulate data in many ways, and this manipulation is called _______?
Q 51. RBI's code of conduct is termed as:
Q 52. Which of the following statements are correct about the deposit products?
Statement I: Demand deposit has a high-interest rate, which varies according to period
Statement II: Time deposit has low-interest rate or no interest
Q 53. Which of the following are true
I. The validity of a revalidated draft is limited to 3 months from the date of revalidation.
II. There is no limit on the maximum number of endorsements which can appear on a draft.
III. The Relationship between the banker and purchaser of a DRAFT is Debtor and Creditor.
Q 54. The ______ are the rules for communication between similar modules of processes, usually in different nodes?
Q 55. Which of the following is/are included in the demand deposit?
I. Current deposit
II. Saving deposits
III. Overdue deposit
IV. Unclaimed deposit
Q 56. _____ is a belief that hard work and diligence have a moral benefit and an inherent ability, virtue or value to strengthen character and individual abilities.
Q 57. Section 31 of RBI Act prohibits---------.
Q 58. Which of the following is a TRUE fact about ethical finance?
I. There are various forms of citizen commitment in the economy.
II. It reflects a different model of society with social and environmental variables.
III. It does not have the non-economic impacts of economic activities, and is taken into account by investors and savers' decisions.
IV. It is a powerful concept closely related with the more used concepts of Corporate Social Responsibility (CSR) and Sustainable Development (SD) .
Q 59. Orders received from the revenue authorities (income tax/sale tax authority) are called as?
Q 60. Which of the following documents are taken by a banker for a loan?
I. Demand promissory notes
II. Agreements
III. Forms
IV. Bill of exchange
Q 61. Which among the following statements is FALSE w.r.t Convenience of ATMs to the Bank?
Q 62. Dipali, a branch manager of SBI Pandarkawda, while talking to her all the mates, comes at a problem that they have issue with the networks, the reason behind the same is that they don't have a centralised network, everyone is using their personal network. She had decided to establish a centralised network in her branch. Among the given, which of the following system does she use?
Q 63. Among the given, determine which of the following is/are correctly matched?
Q 64. Which of the following complaints will be entertained by consumer disputes redressal commission?
Q 65. Among the given, which of the statements is not correct in context to CIBIL?
Q 66. Mr. Diwan, a branch manager of SBI Nagpur, is in need to process a letter in which the credit period projected and reckoned for calculation of the maximum permissible bank finance (MPBF) while sanctioning the funded limits to the borrower customer is mentioned. Among the given, which of the following documents does he need to assign?
Q 67. Banking is a business based on trust. If customers think they can't trust you, they won't store their money with you.
Identify the principle of banking ethics.
Q 68. As per section 171 of Indian contract act 1872, what can a bank do with the goods and securities in case of debt is not paid?
Q 69. Mr. Anwar who is a dedicated branch manager of a top nationalised bank at Delhi, who is committed to providing quality services to their customers. One fine day he received a call from his dear friend, who lives in Bangalore, who is also an aspirant branch manager of Rural bank. He wants to establish a computerisation such that the established system acts in between his branch and head office of his branch. For this he is asking the help from his friend. Among the given, as per Anwar at which locations the computerisation should be done for this purpose?
Q 70. The validity of a revalidated draft is limited to-----------months from the date of revalidation.
Q 71. Among the given which of the following is/are the scheme for Rehabilitation of Manual Scavengers?
Q 72. Among the given, which of the following is/are not mentioned under section 126 of Negotiable instrument act 1881?
Q 73. Among the given, which of the following is not correct in context to the objective of preventive vigilance?
Q 74. ______ authorizes a bank to retain and securities till all the bank's claims against the customer are satisfied.
Q 75. Match the Customers with appropriate Risk Categorisation
1. Low Risk a. Notaries
2. Medium Risk b. Trusts, NGO's
3. High Risk c. Govt. Owned Companies
Q 76. Among the given, which of the following statements is/are not correct?
Q 77. Mr. Tiwari, Assistant general manager visited all his branches for the purpose of rewarding his best employee. He has two sets of parameters for this purpose, one on bank visits, and second analysing the database which he have. For the purpose of on bank visits that how the employee behaves, he had visited to the branch and noted all the points. At the time of conclusion, he got that he had two candidates of top positions and later on he has decides that he will reward the candidates who has attended most number of training programmes. For analysing the detail about the number of training program he should go with which of the following?
Q 78. Mr. Ashutosh is very positively approached, who always works for the general maximization of good, on the basis of which of the accounts, he is a standpoint?
Q 79. Among the given, which of the following is correctly matched?
Q 80. All Swarnjayanti Gram Swarozgar Yojana or SGSY loans are to be treated as medium-term loans with a minimum repayment period of ___________ years.
Q 81. Mr. Nattu, who is an applicant of a loan, has applied for a loan in Corporation Bank, Nagpur. After analysing the report of the applicant, the manager is agreed to give a loan in which, interest rate fluctuates during the term of the loan. Can you help Nattu to find which type of loan the manager is offering to him?
Q 82. The Government of India has launched a new programme known as 'Swarna Jayanti Gram Swarozgar Yojana' by restructuring which of the following existing schemes?
I. Integrated rural development programme
II. Supply of improved toolkits to rural artisans
III. Ganga Kalyan yojana
IV. Million wells scheme
Q 83. Which of the following is not a cause for unethical behaviour at the workplace?
I. Non-availability of code of Ethics Manual
II. Unprincipled Leadership
III. means that aren't appreciated
IV. Achievable targets
Q 84. Among the given, which of the following are not the benefits of Data mining?
Q 85. Which of the following statements is/are correct in context to the Banking ombudsman scheme?
Q 86. Ethics is the branch of philosophy which addresses and analyses questions of _______________.
Q 87. Among the given which of the following statements is correct about Credit cards?
Q 88. Which among the following is NOT a major objective of computerisation in banking?
Q 89. Identify the correct/appropriate ethical principles to be followed by bank employees.
I. not to directly or indirectly engage in any business operations which require them to be considered and treated as a merchant or an artisan
II. to accept gifts contrary to customs and usage from existing or potential or regular customers
III. to take actions binding on their bank by exceeding their powers in the course of the performance of their duties
IV. to direct potential customers first and mainly to their own bank
Q 90. Any other unwelcome physical, verbal or non-verbal conduct at the workplace constitutes:
Q 91. Which interface device carried out conversion between the digital and analogue forms?
Q 92. Non-availability of code of Ethics Manual is a ______ for unethical behaviour
Q 93. What instigated an unprecedented opportunity to reform the financial system towards a more robust model, less dependent on short term financial profits and more oriented to meet the urgent social and economic needs of communities around the world?
Q 94. Mrs. Dindekar, always gives importance to the quality of good as well as it should take rules and preferences in the account of morality, on the basis of which of the accounts, she is a standpoint?
Q 95. Among the given, which of the following is correctly matched?
Q 96. When a negotiable instrument is dishonoured, the party liable to pay becomes bound to
Pay compensation to?
Q 97. Company A has placed an order to Company B, Company B needs to issue a document by bank, the manager of company B goes to the bank and requests to issue the letter. Mr. Diwan who is manager at the branch will issue which of the following letters in which it is described that the seller will get timely and complete payment?
Q 98. Another name for ethical banking is:
I. Civic bank
II. Alternative bank
III. Sustainable bank
IV. Social bank
Q 99. Ashutosh, an Assistant General Manager of Yawatmal district of Maharashtra, has visited many branches, and comes to the conclusion that manual matching of inter-branch transactions among the branches is very difficult, and it is also taking much time. He has decided to come up with the solution of this problem, Among the given he should choose which of the following for this task?
Q 100. Mrs. Dindekar, always focuses on her health, self-respect, tolerance, freedom etc., among the given, on which of the following she is focusing?
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