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1.  
A bank has current deposits of ₹ 32,000 crore, savings deposits of ₹ 68,000 crore and term deposits of ₹ 1,50,000 crore. Its CASA ratio is:

Correct Answer: A [40%]

Explanation:

(32,000 + 68,000) ÷ 2,50,000 = 40%.

2.  
Gross advances ₹ 24,000 crore and gross NPAs ₹ 1,080 crore. The gross NPA ratio is:

Correct Answer: D [4.5%]

Explanation:

1,080 ÷ 24,000 × 100 = 4.5%.

3.  
Gross NPAs are ₹ 1,080 crore and provisions held are ₹ 702 crore. The provision coverage ratio is:

Correct Answer: E [65%]

Explanation:

702 ÷ 1,080 × 100 = 65%.

4.  
A bank's total capital (Tier 1 + Tier 2) is ₹ 1,530 crore and its risk-weighted assets are ₹ 12,750 crore. Its CRAR is:

Correct Answer: C [12%]

Explanation:

1,530 ÷ 12,750 = 12%.

5.  
When NARCL (the 'bad bank' set up by banks in 2021) buys a stressed loan, it pays the selling bank:

Correct Answer: B [15% cash, 85% security receipts]

Explanation:

15% in cash and 85% in security receipts, which carry a Government guarantee (₹ 30,600 crore, Cabinet, 15 Sep 2021).

6.  
An asset that has remained an NPA for 8 months is a:

Correct Answer: E [Sub-standard asset]

Explanation:

NPA for up to 12 months = sub-standard.

7.  
Which of the following is/are correct?
I. SMA-2 covers accounts overdue for 61–90 days.
II. An SMA-2 account is already an NPA.
III. For short-duration crops, a loan is an NPA if overdue for two crop seasons.

Correct Answer: C [Only I and III]

Explanation:

I and III true; SMA-2 is still a standard (stressed) account.

8.  
A cheque dated 15 January 2026 is presented on 20 April 2026. The bank will treat it as:

Correct Answer: D [a stale cheque]

Explanation:

Valid till 15 April 2026; on 20 April it is stale.

9.  
Which crossing allows payment only through the particular bank named between the lines?

Correct Answer: B [Special crossing]

Explanation:

A bank's name between the lines makes it a special crossing.

10.  
A customer classified as high-risk must have KYC updated at least once every:

Correct Answer: A [2 years]

Explanation:

2-8-10: high 2, medium 8, low 10.

11.  
Odd one out (not an Officially Valid Document under RBI KYC Directions):

Correct Answer: B [PAN card]

Explanation:

PAN is not an OVD; voter ID, passport, driving licence and NREGA job card are OVDs.

12.  
Under the RBI's PSL Directions 2025, the total priority sector target for domestic scheduled commercial banks is:

Correct Answer: E [40%]

Explanation:

40% of ANBC or CEOBSE (Credit Equivalent of Off-Balance Sheet Exposures), whichever is higher.

13.  
A deposit account of an NRI held in foreign currency for a term of 1 to 5 years is:

Correct Answer: A [FCNR(B) account]

Explanation:

FCNR(B) – foreign currency term deposit, 1 to 5 years.

14.  
Which law allows secured creditors to take possession of and sell secured assets without court intervention?

Correct Answer: D [SARFAESI Act, 2002]

Explanation:

SARFAESI – Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002.

15.  
Trick Spotter: which is the fastest correct way to classify an account overdue for 77 days?

Correct Answer: B [Use 30-60-90: third block → SMA-2]

Explanation:

61–90 days is the third 30-day block → SMA-2.

16.  
The Liquidity Coverage Ratio under Basel III requires high-quality liquid assets sufficient for a stress period of:

Correct Answer: C [30 days]

Explanation:

LCR – 30-day stress scenario.

17.  
In a gold loan, the bank keeps the gold with itself until repayment. This charge is a:

Correct Answer: A [Pledge]

Explanation:

Pledge – possession of movable goods is with the lender.

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