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Banking Exams Exam  >  Banking Exams Tests  >  Test: Public & Private Sector Banks - 2 - Banking Exams MCQ

Test: Public & Private Sector Banks - 2 - Banking Exams MCQ


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10 Questions MCQ Test - Test: Public & Private Sector Banks - 2

Test: Public & Private Sector Banks - 2 for Banking Exams 2024 is part of Banking Exams preparation. The Test: Public & Private Sector Banks - 2 questions and answers have been prepared according to the Banking Exams exam syllabus.The Test: Public & Private Sector Banks - 2 MCQs are made for Banking Exams 2024 Exam. Find important definitions, questions, notes, meanings, examples, exercises, MCQs and online tests for Test: Public & Private Sector Banks - 2 below.
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Test: Public & Private Sector Banks - 2 - Question 1
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BCBS is the major international standard-setter for bank prudential regulation and serves as a venue for frequent cooperation on banking supervisory issues. What does first B represent in BCBS?

Detailed Solution for Test: Public & Private Sector Banks - 2 - Question 1

The Basel Committee on Banking Supervision (BCBS) is the major international standard-setter for bank prudential regulation and serves as a venue for frequent cooperation on banking supervisory issues.

Test: Public & Private Sector Banks - 2 - Question 2
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Consider the following statements

  1. Priority sector lending target of Urban Cooperative Banks(UCBs) is at par with the target applicable to commercial banks.
  2. There are penal provisions for UCBs for non-attainment of targets to priority sector and weaker sections.
  3. There are incentives for UCBs if they achieve priority sector lending targets.

Which of the above statements is/are correct?

Detailed Solution for Test: Public & Private Sector Banks - 2 - Question 2
  • Priority Sector Lending target for UCBs is at par with the target applicable to commercial banks.
  • The banks have to lend at least 40% of the total credit to the priority sector and weaker section.
  • There are no penal provisions for non-attainment targets to priority sector and weaker sections by the UCBs
  • There are indirect incentives for UCBs such as
    • Branch expansion,
    • Expansion of the area of operation
    • Attainment of scheduled status.
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Test: Public & Private Sector Banks - 2 - Question 3
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The difference between the money generated from selling products to other countries and the money spent on buying goods and services from other countries is known as CAD. What does D represent in CAD?

Detailed Solution for Test: Public & Private Sector Banks - 2 - Question 3

The difference between the money generated from selling products to other countries and the money spent on buying goods and services from other countries is known as the current account deficit (CAD).

Test: Public & Private Sector Banks - 2 - Question 4
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In August 2021, an RBI committee under whom has proposed a four-tier structure for urban cooperative banks?
Detailed Solution for Test: Public & Private Sector Banks - 2 - Question 4
  • An RBI committee under the chairmanship of former RBI deputy governor N.S. Vishwanathan has proposed a four-tier structure for urban cooperative banks.
  • In its report released on 23 August 2021, the committee said tier-3 urban cooperative banks with deposits of ₹1,000 crores to ₹10,000 crores must function like SFBs (Small Finance Banking) if they meet a capital adequacy ratio of 15%. 
  • The urban cooperative banks will have operational freedom for branch expansion and authorized dealer license on a par with universal banks.
  • RBI:
    • Governor - Shaktikanta Das.
    • Headquarters - Mumbai.
    • Founded: 1 April 1935, Kolkata.
Test: Public & Private Sector Banks - 2 - Question 5
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CAR is the ratio of a bank's capital with its risk-weighted assets and current liabilities. What does A represent in CAR?
Detailed Solution for Test: Public & Private Sector Banks - 2 - Question 5

Capital Adequacy Ratio (CAR) is the ratio of a bank's capital to its risk-weighted assets and current liabilities.

Test: Public & Private Sector Banks - 2 - Question 6
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Co-Operative Bank in India has a________.
Detailed Solution for Test: Public & Private Sector Banks - 2 - Question 6

The Co-operative Credit Institutions in India can be classified as under a three-tier structure- Primary Credit Societies at the bottom; Central Co-operative Bank at the middle; and State Co-operative Bank at the top.

Test: Public & Private Sector Banks - 2 - Question 7
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What does second C represent in the acronym CCEA?
Detailed Solution for Test: Public & Private Sector Banks - 2 - Question 7

CCEA- Cabinet Committee on Economic Affairs.

Test: Public & Private Sector Banks - 2 - Question 8
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Which among the following institutions provided facility of re-finance to cooperative banks?
Detailed Solution for Test: Public & Private Sector Banks - 2 - Question 8

National Bank for Agricultural Development (NABARD) provides facility of re-finance to co-operative banks. 

Test: Public & Private Sector Banks - 2 - Question 9
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In the field of credit rating, the CCF is a coefficient. It's the proportion of a loan's additional amount used in the future compared to the amount that could be claimed. What does second C represent in CCF?
Detailed Solution for Test: Public & Private Sector Banks - 2 - Question 9

In the field of credit rating, the credit conversion factor (CCF) is a coefficient. It's the proportion of a loan's additional amount used in the future compared to the amount that could be claimed.

Test: Public & Private Sector Banks - 2 - Question 10
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Under which act Cooperative Banks needs to get registered for its operation?
Detailed Solution for Test: Public & Private Sector Banks - 2 - Question 10

Cooperative Bank needs to get registered under Banking Laws (Co-operative Societies) Act. 1965  for its operation.

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