85 câu trắc nghiệm Tiếng Anh ôn thi Ngân hàng

Dưới đây là 85 câu trắc nghiệm tiếng Anh phục vụ ôn thi tuyển vào Ngân hàng. Đáp án dưới link cuối bài viết nhé các bạn

1. What is CRR?

a) Cash Reserve Ratio

b) Current Ratio Rate

c) Review Report

d) Credit Rating Record

e) None of these 

2. Interest rates? being charged by Banks in India has shown ——- trend in recent year.

a) Falling 

b) Rising 

c) Stable 

d) Volatile

e) None of these

3. The first development financial institution in India that has got merged with a bank is

a) IDBI 


c) IDFC 

d) UTI

e) None of these

4. Who is the chairman of Pension Fund Committee?

a) S.A. Dave 

b) A.N. Joshi

c) C. Ramarajan

d) C.N. Bhattacharya

e) None of these

5. Which of the following NBFC converted itself into a commercial Bank?

a) Tata Finance

b) Reliance Capital Trust

c) Birla  Mutual

d) Kotak Mahindra 

e) None of these

6. Which is the current revision & year of UCPDC?

a) UCPDC 500, 1993 

b) UCODC 400, 1993 

c) UCPDC 300, 1973

d) None of these

7. The rate of which discounting the bills of first class banks is done by RBI is called

a) Bank Rate

b) Prime Lending Rate 

c) Loan Rate

d) Discounting Rate

8. Banking ombudsman has been constituted under which act?

a) Banking Regulation Act 

b) RBI Act

c) SBI Act


9. Which finance company has been given banking licence by RBI recently

a) Kotak Mahindra

b) Ashok Leyland & Finance 

c) TVS Finance

d) Tata Finance

e) None of these

10. Gilt edged securities refer to

a) Government Securities

b) Securities issued by municipal corporations

c) Securities issued by first class companies

d) None of these

11. A unit of the Unit Trust of India is a

a) Share

b) Debenture

c) Negotiable Instrument

d) None of these

12. Indian Banks Association (IBA) has a common net working system for sharing the ATM facilities in Mumbai, which is known as

a) ATM Network

b) Shared Payment Network System 

c) Cash Network

d) None of these

13. The present rate of SLR & CRR are

a) 15%, 5%

b) 25%, 5.5% 

c) 25%, 4.5% 

d) 30%, 6%

e) None of these

15. Arbitrage is

a) Buying and selling in two markets simultaneously 

b) A rate of interest

c) A Fee

d) Arbitrage is a dispute

e) None of these

16. The Basic Travelling quota for going abroad is

a) USD 10,000 

b) USD 5,000 

c) USD 20,000

d) USD 15,000

e) No ceiling 

17. E E F C denotes

a) Exchange Earners Foreign Currency Account

b) Importer?s account with Bank

c) Account maintained by a exporter with RBI

d) None of these

18. For which of the following currencies is the Indian rupee quoted against 100 units of the foreign currency

a) Deutsche Mark 

b) Pound

c) Japanese Yen

d) US Dollars

19. Exchange risk in case of foreign currency Non Resident (Banks) scheme (FCNB) is borne by 

a) RBI

b) Depositor

c) Govt. of India

d) Concerned Bank

e) None of these

20. Which of these is not a credit rating agency?

a) Moody?s

b) Standard & Poor?s 

c) Price water house 


e) None of these

22. Consortium Advances refer to

a) Concurrent borrowings 

b) Multiple financing

c) Joint Financing by more than one bank

d) Financing of consignment business

e) None of these

23. Pari Passu charge refers to a charge

a) Ranking in priority, regardless of quantum of advances

b) Merely notional in nature

c) Ranking equally in priority in proportion to the lender?s share of advance

d) None of these

24. NABARD refinance for financing Self Help Groups is to the extent of

a) 25%

b) 50%

c) 75%

d) 100%

e) None of these

25. The term ?Allonge? refers to

a) The sheets of paper used in writing a deed 

b) The stamps affixed on document

c) A sheet of paper attached to mortgage deed for the Purpose of witness

d) A sheet of papers attached to a negotiable instrument for the purpose of making endorsement thereof when there is no space in the instrument

26. The provision of Consumer Protection Act, 1986 are applicable to the services rendered by the Banks

a) To the customers of the bank only

b) To the customers and the users of services irrespective of against consideration or free services

c) To the customers and any user of Bank?s services against consideration d) None of these

27. As per section 16 of the Banking Regulation Act, 1949 a person can be appointed as a director of how many banking companies

a) Three 

b) Two 

c)  One 

d) Four

e) None of these

28. Nayak Committee Recommendations are applicable for sanction of Fund Base Working Capital Limit upto

a) Rs.25 lacs 

b) Rs.1 crores 

c) Rs. 2 crores 

d) Rs. 5 crores

e) None of these

29. What are the four categories as per Kapur Committee recommendations for loan applications under SSI segment

a) upto 2 lacs, upto 15 lacs, upto 25 lacs, and above 25 lacs 

b) upto 10 lacs, upto 25 lacs, upto 50 lacs and above 50 lacs

c) upto 2 lacs, upto 1 crores, upto 2 crores, and above 2 crores

d) upto 2 crores, upto 25 crores, upto 50 crores and above 50 crores 

e) None of these

30. The code of Fair Banking Practice ?Towards Excellence? and general terms and conditions of service came into effect from

a) 01.07.97 

b) 01.08.97 

c) 01.10.97

d) None of these

31. Banking ombudsman means

a) Person appointed to recover dues from defaulting borrowers

b) A person to whom customer can approach for redress of his grievances

c) A person appointed to settle dispute between employees and management 

d) A person appointed by RBI to oversee the functioning of Foreign Banks

e) None of these

33. NGO is the term associated with

a) SHG 

b) PMRY 


d) Agri. Advances

e) None of these

34. Member of ?Credit Information Bureau of India Ltd.? Are

a) SBI, HDFC, Dun & Bradsheet, Trans Union 

b) ICICI, UTI, SBI, Trans Union

c) PNB, SBI, HDFC, Dun & Bradsheet

d) HDFC, PNB, Dun & Brandsheet, Trans union

e) None of these

35. Full form of SLR

a) Statutory Liquidity Ratio 

b) State Level Recovery

c) Sundry Leverage Ratio

d) State Liquity Reserve

36. C.R.A. is banking parlance stands for

a) Credit Rating Association 

b) Credit Rating Agency

c) Credit Risk Assessment

d) None of these

37. E.P.S. in share market stands for

a) Earning per share

b) Electronic Payment System 

c) Employee Pension Scroll

d) Equated Payment System

e) None of these

38. Who is the Governor of RBI

a) Bimal Jalan 

b) Y V Reddy 

c) K J Udeshi

d) Ranga Reddy

e) None of these

39. The Securitisation and Reconstruction of Financial Asset and enforce of Security Interest Act came into force from

a) 21.08.02

b) 21.06.02 

c) 21.07.02 

d) 21.12.02

e) None of these

40. The powers of the Board of Directors to borrow from the bank are mentioned in

a) Article of Association

b) Memorandum of Association 

c) Special Resolution

d) A & B

e) None of these

41. The currency ?Euro? has been introduced w.e.f.

a) 01.01.99

b) 01.01.2000 

c) 01.08.99

d) 01.03.99

e) None of these

43. Which Bank is ranked 7th India Company in the ET 2003 for listing as per market capitalization?



c) SBI

d) BOB

44. Who is authorised to permit premature closer of PPF A/c

a) RBI

b) Ministry of finance Department of Economic affairs 

c) Chairman of concerning Bank

d) None of these

45. Which Bank has introduced ?Pre-paid Card? first

a) OBC

b) BOB

c) Corporation Bank 

d) SBI

e) None of these

46. What is USGAAP

a) United States Generally Accepted Accounting Principles

b) Union State Generous Agreement & Accounting Principles 

c) United State General Allies & Army Practices

e) Union State Generous Accounts & Affairs and Practices

47. For Business process re-engineering and IT strategy which bank has employed ?Gartner?

a) BOB 

b) SBI 

c) PNB 

d) BOM

e) None of these

48. What is the average percentage of Banking transactions through non- branch route in private sector Banks

a) 50% 

b) 60% 

c) 70% 

d) 65%

e) None of these

50. The C D Ratio of all schedule commercial Banks as on June 2003 stood at

a) 51% 

b) 57% 

c) 53% 

d) 65%

e) None of these

51. Recently ICICI issued winding up notice to the following financial institutions





e) None of these

52. The Gross NPA percentage of the following country is highest in Asia

a) India 

b) China

c) Malaysia

d) Indonesia

e) None of these

53. The gross amount of NPA of Public Sector Banks as on 31.03.03 is

a) Rs.82,071 crores 

b) Rs. 54,086 crores 

c) Rs. 58,067 crores 

d) Rs. 46,738 crores

e) None of these

54. How many foreign Banks are operating in India

a) 30 

b) 25 

c) 20 

d) 35

e) None of these

55. To be categorized as a schedule Bank the minimum capital & reserve required is

a) Rs. 10 lacs 

b) Rs. 5 lacs 

c) Rs. 20 lacs 

d) Rs. 7 lacs

e) None of these

56. NRE deposit rates have been recently lowered to

a) LIBOR + .25

b) LIBOR + .20

c) LIBOR + .30

d) LIBOR + .50

57. The objective of Government to appoint Narsimhan Committee is

a) To strengthen the banking system

b) To improve customer service

c) To strengthen  the credit portfolio

d) None of these

58. Which Bank has recently tied up with Apollo Hospital for financing medical facilities



c) BOB

d) SBI

e) None of these

59. The three banks recently have entered in a Mega ATM sharing pact. They are



c) ICICI, Andhra Bank, HDFC

d) Andhra Bank, Canara Bank, SBI

e) None of these

60. Who is authorised to issue coin in India

a) RBI

b) Ministry of Finance 

c) SBI

d) None of these 

61. The minimum Capital Adequacy Ratio currently fixed by RBI for Banks is

a) 12% 

b) 10% 

c) 9%

d) 11%

e) None of these

62. The full form of RBS is

a)Risk Based Supervision 

b)Rating by System 

c)Role Based Supervision

d)Rating Bank Security

63. RBI has recently permitted which Bank to participate in the Government Securities Repo Market





64. Second Basle Accord is proposed to be implemented in the year





65. The ceiling for Bank?s daily borrowings in Call Money should not exceed—% of owned funds





66. The fiscal deficit in 2001-2002 was —% of GDP





 67. Indian Companies have been allowed to invest upto US$ —abroad

a)10 million

b)15 million

c)5 million

d)20 million

68. Under the Banking Ombudsman scheme the value of claim should not exceed

a)5 lac

b)10 lac

c)15 lac

d)20 lac

69. At what frequency can Banks pay interest on Saving Bank Account as per RBI guidelines



c)Half ? Yearly


71. Who can fix the interest rates of NRE & FCNB deposits ?

a) RBI

b) Banks, as per the directive of RBI

c) Govt. of India 

e) IBA

72. The following is not a housing finance intermediary agency



c) NHB


73. Bank can change interest rate without reference to its PLR in the following

a)Housing loans

b) NRE/ FCNB deposits

c) Personal loans

d)Educational loans

74. The maximum penal rate of interest that can be charged is restricted to

a)   2 %

b)   3 %

c)    Maximum spread announced over PLR

d)   5 %

75. Banks can change rate of interest beyond spread announced by them on advances granted to

a) Film companies

b) Chit funds

c) NBFC s

d) Hotels

76. To which category of customers are banks prohibited to sanction loans against shares and debentures ?

a) Institutions 

b) PSUs

c) Banks

d) Trust and endowments

77. Which kind of bills should not be discounted by banks as per RBI regulation ?

a) Customs duty

b) Installation charges 

c) Sale of goods

d) Purchase of books

78. What should be the method of valuation for advances against shares/debentures / bonds ?

a) Face value

b) Market price 

c) Book Value

d) Average Value

79. What action is taken if one of the customers tenders forged note ?

a) He is sent to prison

b) Note is returned with remark, forged note 

c) Note is impounded

d) Note is torn

80. A contract of insurance is a contract of  

a) Indemnity

b) Pledge

c) Guarantee

d) Hypothecation

81. Restriction on number of partners in a firm is imposed by

a) Indian Companies Act 1956 

b) Indian Partnership Act 1932 

c) Indian Contract Act 1872

d) None of these

82. The certificate to commence business is to be called for perusal and returned for opening of an account of

a) Public limited company 

b) Club and association

c) Private limited company

d) Trust

83. Which of the following is not a measure of the profitability of the branch?

a) GRR

b) Expenses ratio

c) Business per employee

d) Net profit per Employee

84. Where is the headquarters of SWIFT ?

a) Hong Kong 

b) Brussels

c) London

d) Mumbai

85. The VSAT communication network for banks and financial institutions launched by RBI is known as





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