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21️⃣ Which of the following is directly related to a bank’s ability to absorb unexpected losses? A) Capital Adequacy B) CASA Ratio C) Credit-Deposit Ratio D) Net Interest Margin ✅ Answer: A 22️⃣ What does ‘D-SIB’ stand for in the Indian banking system? A) Domestic Systemically Important Bank B) Development Systemically Important Bank C) Domestic Securities Investment Bank D) Direct Systematic Investment Bank ✅ Answer: A 23️⃣ Which of the following is a major function of the Reserve Bank of India as the monetary authority? A) Preparing the Union Budget B) Maintaining price stability while keeping growth in mind C) Collecting GST D) Fixing corporate tax rates ✅ Answer: B 24️⃣ The ‘Credit-Deposit Ratio’ of a bank is calculated as: A) Deposits ÷ Advances × 100 B) Advances ÷ Deposits × 100 C) Capital ÷ Deposits × 100 D) Profit ÷ Deposits × 100 ✅ Answer: B 25️⃣ Which of the following is a major objective of the Insolvency and Bankruptcy Code (IBC), 2016? A) Increasing bank deposit rates B) Time-bound resolution of insolvency C) Controlling currency circulation D) Regulating insurance premiums ✅ Answer: B Join XYLEM BANKING

1️⃣ Which of the following is known as the ‘Lender of Last Resort’ in India? A) SBI B) Ministry of Finance C) RBI D) SEBI ✅ Answer: C 2️⃣ Under the Banking Regulation Act, the minimum cash reserve that commercial banks are required to maintain with RBI is known as: A) SLR B) CRR C) CAR D) LCR ✅ Answer: B 3️⃣ Which institution acts as the apex development bank for agriculture and rural development in India? A) SIDBI B) NABARD C) EXIM Bank D) NHB ✅ Answer: B 4️⃣ Which of the following accounts is maintained by RBI for managing the foreign exchange reserves of India? A) Current Account B) Capital Account C) Foreign Exchange Reserve Account D) None of these ✅ Answer: D 👉 RBI maintains forex reserves as a balance-sheet asset; there is no separate RBI account officially named “Foreign Exchange Reserve Account.” 5️⃣ Which of the following is the primary objective of Priority Sector Lending (PSL)? A) Financing only large corporations B) Directing adequate institutional credit to identified priority sectors C) Increasing foreign investment D) Financing government expenditure ✅ Answer: B 6️⃣ The ‘Bank Rate’ is the rate at which: A) RBI lends long-term funds to commercial banks without repurchase agreements B) Commercial banks lend to customers C) Banks lend to RBI D) Government borrows from commercial banks ✅ Answer: A 7️⃣ Which of the following institutions regulates pension funds in India? A) SEBI B) IRDAI C) PFRDA D) NABARD ✅ Answer: C 8️⃣ Which committee is associated with recommending the establishment of the Monetary Policy Committee (MPC)? A) Nachiket Mor Committee B) Urjit Patel Committee C) Narasimham Committee D) Kelkar Committee ✅ Answer: B 9️⃣ Which of the following is NOT a component of the Balance of Payments? A) Current Account B) Capital Account C) Financial Account D) Revenue Account ✅ Answer: D 🔟 A ‘Letter of Credit’ is primarily used in international trade to: A) Provide assurance of payment subject to specified conditions B) Reduce income tax C) Increase bank reserves D) Determine exchange rates ✅ Answer: A 1️⃣1️⃣ Which of the following is an example of a Non-Performing Asset (NPA)? A) A loan generating regular interest income B) A loan where interest or principal remains overdue beyond the prescribed period C) A fully repaid loan D) A government bond ✅ Answer: B 1️⃣2️⃣ Which organization is responsible for regulating the insurance sector in India? A) RBI B) SEBI C) IRDAI D) PFRDA ✅ Answer: C 1️⃣3️⃣ What does ‘CASA’ in banking primarily stand for? A) Capital and Savings Account B) Current Account Savings Account C) Credit and Securities Account D) Current Asset Savings Arrangement ✅ Answer: B 1️⃣4️⃣ Which of the following is a negotiable instrument under the Negotiable Instruments Act, 1881? A) Cheque B) Fixed Deposit Receipt C) Share Certificate D) Passbook ✅ Answer: A 1️⃣5️⃣ Which payment system enables real-time interbank fund transfers on a 24×7 basis in India? A) NEFT B) RTGS C) IMPS D) ECS ✅ Answer: C 1️⃣6️⃣ What is the full form of ‘IFSC’ used in Indian banking? A) Indian Financial System Code B) International Financial Settlement Code C) Indian Fund Settlement Code D) International Finance System Code ✅ Answer: A 1️⃣7️⃣ Which of the following is the primary purpose of the KYC process? A) Increasing bank interest rates B) Establishing and verifying the identity of customers C) Increasing bank capital D) Controlling fiscal deficit ✅ Answer: B 1️⃣8️⃣ Which institution provides refinance and development support primarily to Micro, Small and Medium Enterprises? A) NABARD B) SIDBI C) EXIM Bank D) RBI ✅ Answer: B 1️⃣9️⃣ Which of the following is an example of a ‘demand deposit’? A) Fixed Deposit B) Recurring Deposit C) Current Account Deposit D) Term Deposit ✅ Answer: C 2️⃣0️⃣ The main objective of the Deposit Insurance and Credit Guarantee Corporation (DICGC) is to: A) Regulate stock exchanges B) Provide deposit insurance to eligible bank depositors C) Control inflation D) Finance exports ✅ Answer: B

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