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TOTAL QUESTION: 15
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Your results are here!! for" Banks’ Assets and Liabilities "
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Question 1 of 15
1. Question
What is the primary source of income for banks?
Correct
Loans and advances are the primary source of income for banks because banks earn interest by lending funds.
Incorrect
Loans and advances are the primary source of income for banks because banks earn interest by lending funds.
Unattempted
Loans and advances are the primary source of income for banks because banks earn interest by lending funds.
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Question 2 of 15
2. Question
Which of the following is an example of a retail loan?
Correct
Home loans are classified as retail loans along with personal, car, and education loans.
Incorrect
Home loans are classified as retail loans along with personal, car, and education loans.
Unattempted
Home loans are classified as retail loans along with personal, car, and education loans.
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Question 3 of 15
3. Question
What can happen to a loan when a borrower defaults?
Correct
A loan can become a Non-Performing Asset (NPA) when the borrower defaults and the applicable conditions for NPA classification are met.
Incorrect
A loan can become a Non-Performing Asset (NPA) when the borrower defaults and the applicable conditions for NPA classification are met.
Unattempted
A loan can become a Non-Performing Asset (NPA) when the borrower defaults and the applicable conditions for NPA classification are met.
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Question 4 of 15
4. Question
Which of the following is a short-term government security with a maturity of up to one year?
Correct
Treasury Bills are short-term government securities with maturities of up to one year.
Incorrect
Treasury Bills are short-term government securities with maturities of up to one year.
Unattempted
Treasury Bills are short-term government securities with maturities of up to one year.
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Question 5 of 15
5. Question
What does CRR require banks to maintain with the RBI?
Correct
CRR requires banks to maintain a specified percentage of their Net Demand and Time Liabilities with the RBI.
Incorrect
CRR requires banks to maintain a specified percentage of their Net Demand and Time Liabilities with the RBI.
Unattempted
CRR requires banks to maintain a specified percentage of their Net Demand and Time Liabilities with the RBI.
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Question 6 of 15
6. Question
Which of the following can be used to meet SLR requirements?
Correct
SLR can be maintained through liquid assets such as government securities or cash, as specified under the regulatory framework.
Incorrect
SLR can be maintained through liquid assets such as government securities or cash, as specified under the regulatory framework.
Unattempted
SLR can be maintained through liquid assets such as government securities or cash, as specified under the regulatory framework.
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Question 7 of 15
7. Question
Why do banks maintain balances with other banks?
Correct
Banks maintain balances with other banks for operational and liquidity purposes, including interbank transactions.
Incorrect
Banks maintain balances with other banks for operational and liquidity purposes, including interbank transactions.
Unattempted
Banks maintain balances with other banks for operational and liquidity purposes, including interbank transactions.
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Question 8 of 15
8. Question
Which of the following is classified as a fixed asset of a bank?
Correct
Bank branches and offices are physical infrastructure and therefore form part of fixed assets.
Incorrect
Bank branches and offices are physical infrastructure and therefore form part of fixed assets.
Unattempted
Bank branches and offices are physical infrastructure and therefore form part of fixed assets.
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Question 9 of 15
9. Question
Which type of deposit can generally be withdrawn by customers at any time?
Correct
Demand deposits can be withdrawn by customers at any time and include current and savings accounts.
Incorrect
Demand deposits can be withdrawn by customers at any time and include current and savings accounts.
Unattempted
Demand deposits can be withdrawn by customers at any time and include current and savings accounts.
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Question 10 of 15
10. Question
Which deposits are generally associated with a fixed maturity period?
Correct
Time deposits have a fixed maturity period and include fixed deposits and recurring deposits.
Incorrect
Time deposits have a fixed maturity period and include fixed deposits and recurring deposits.
Unattempted
Time deposits have a fixed maturity period and include fixed deposits and recurring deposits.
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Question 11 of 15
11. Question
What does CASA stand for?
Correct
CASA stands for Current Account Savings Account and represents low-cost deposits.
Incorrect
CASA stands for Current Account Savings Account and represents low-cost deposits.
Unattempted
CASA stands for Current Account Savings Account and represents low-cost deposits.
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Question 12 of 15
12. Question
What is the main role of provisions in a bank‘s liabilities?
Correct
Provisions are funds set aside to cover potential losses such as NPAs or bad debts.
Incorrect
Provisions are funds set aside to cover potential losses such as NPAs or bad debts.
Unattempted
Provisions are funds set aside to cover potential losses such as NPAs or bad debts.
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Question 13 of 15
13. Question
What is the main purpose of bank capital and reserves?
Correct
Capital and reserves provide a buffer against losses and support the bank‘s stability and creditworthiness.
Incorrect
Capital and reserves provide a buffer against losses and support the bank‘s stability and creditworthiness.
Unattempted
Capital and reserves provide a buffer against losses and support the bank‘s stability and creditworthiness.
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Question 14 of 15
14. Question
What does the Credit-Deposit Ratio (CDR) indicate?
Correct
CDR indicates the proportion of total deposits that is used for lending and is calculated as loans and advances divided by total deposits.
Incorrect
CDR indicates the proportion of total deposits that is used for lending and is calculated as loans and advances divided by total deposits.
Unattempted
CDR indicates the proportion of total deposits that is used for lending and is calculated as loans and advances divided by total deposits.
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Question 15 of 15
15. Question
What does the NPA Ratio measure?
Correct
The NPA Ratio indicates the quality of a bank‘s loan portfolio and is calculated using gross NPAs and gross advances.
Incorrect
The NPA Ratio indicates the quality of a bank‘s loan portfolio and is calculated using gross NPAs and gross advances.
Unattempted
The NPA Ratio indicates the quality of a bank‘s loan portfolio and is calculated using gross NPAs and gross advances.