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1.  
Gross advances ₹ 40,000 crore, gross NPAs ₹ 2,400 crore, provisions ₹ 1,600 crore. The net NPA ratio (on net advances) is about:

Correct Answer: E [2.08%]

Explanation:

Net NPA 800 ÷ net advances 38,400 = 2.08%.

2.  
A loan became an NPA on 1 February 2025. On 1 May 2026 (no loss identified), it is classified as:

Correct Answer: C [Doubtful asset]

Explanation:

15 months as NPA: sub-standard for 12, now doubtful (One Year Ladder).

3.  
A bank has Tier 1 capital ₹ 900 crore, Tier 2 capital ₹ 300 crore and RWAs ₹ 9,600 crore. Which is/are correct?
I. Its CRAR is 12.5%.
II. It meets the 11.5% minimum (total capital + CCB).
III. Its Tier 1 ratio is below the 7% minimum.

Correct Answer: B [Only I and II]

Explanation:

CRAR = 1,200 ÷ 9,600 = 12.5% ≥ 11.5%; Tier 1 = 9.375% ≥ 7%, so III is false.

4.  
Match the cheque type with its feature:
(i) Bearer cheque (ii) Order cheque (iii) Post-dated cheque (iv) Stale cheque
(p) presented after three months from its date (q) payable only on or after a future date (r) payable to whoever presents it (s) payable to the named payee or to his order

Correct Answer: D [i-r, ii-s, iii-q, iv-p]

Explanation:

Standard definitions of cheque types.

5.  
For a domestic scheduled commercial bank (PSL Directions 2025), which pair is INCORRECTLY matched?

Correct Answer: C [Weaker sections – 15%]

Explanation:

Weaker sections: 12% for domestic SCBs (15% is for RRBs).

6.  
How many are correct? (a) Basel I came in 1988. (b) Pillar 3 of Basel is market discipline. (c) Minimum total capital (CRAR) for banks in India is 9% of RWAs. (d) The leverage ratio uses risk-weighted assets.

Correct Answer: D [3]

Explanation:

(a), (b), (c) true; leverage ratio uses total exposure, not risk-weighted assets – so 3.

7.  
Reverse question: an instrument contains an unconditional order, is drawn on a specified banker and is payable on demand. It is a:

Correct Answer: E [Cheque]

Explanation:

Section 6, NI Act – a cheque.

8.  
A bank's CASA ratio is 36%. Its current deposits are ₹ 27,000 crore and savings deposits ₹ 63,000 crore. Its total deposits are:

Correct Answer: B [₹ 2,50,000 crore]

Explanation:

CASA = 90,000 = 36% of total → total = 90,000 ÷ 0.36 = ₹ 2,50,000 crore.

9.  
In an 11-character IFSC, the fifth character is always:

Correct Answer: A [0 (zero)]

Explanation:

First 4 = bank code, 5th = 0, last 6 = branch code.

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