1. Regional Rural Banks are
classified under _____?
(a) Land Developments Banks
(b) Co-operative Banks
(c) Commercial Banks
(d) Public Sector Banks
(e) None of the Above
2. The chairman of Regional Rural
Bank is appointed by _____?
(a) State Government
(b) Reserve Bank of India
(c) Central Government
(d) Sponsoring bank in consultation
with NABARD
(e) None of the above
3. The issued capital of the
Regional Rural Banks was to be subscribed as under___?
(a) Fifty per cent by Central
Government
(b) Fifty per cent by State
Government
(c) Thirty per cent by sponsoring
bank
(d) All the above
(e) None of the above
4. Each Regional Rural Bank is
managed by ____?
(a) Board of Directors
(b) Reserve Bank
(c) Sponsoring commercial bank
(d) None of the above
5. Regional Rural Banks have been
permitted to pay ½% additional interest on ____?
(a) All deposits accounts except
current deposits
(b) All deposits accounts including
current deposits
(c) Saving account and time deposits
of less than three years
(d) None of the above
6. Land mortgage banks are renamed
since 1996-97 as ______?
(a) Land Development Banks
(b) Co-operative Central Banks
(c) NABARD
(d) Lead Bank
(e) None of the above
7. “Micro Finance” is a ______ stage
of banking services?
(a) Introduction stage
(b) Saturation stage
(c) Research stage
(d) Decline stage
(e) None of the Above
8. The Objectives of the Kisan
Credit Card is to provide
(1) adequate and timely support from
the banking system to the farmers for their cultivation needs including
purchase of inputs in a flexible and cost effective manner
(2) finance for the short term
credit requirements for crops, including purchase of agricultural inputs, such
as seeds, fertilizers, pesticides etc, and draw cash for their production needs
(3) term credit as also working
capital for agriculture and allied activities
(4) all of the above
(5) none of the above
9. The Kisan Credit Card Scheme is
being implemented by all
(1) Public Sector Commercial Banks
(2) Regional Rural Banks
(3) State Cooperative Banks
/DCCBs/PACS nad Scheduled Primary Cooperative Banks
(4) All of the above
(5) None of the above
10. Which of the following
Statements about Kisan Credit Cards are correct?
(1) Banks may provide Kisan Credit
Cards to farmers who are eligible for sanction of production credit without any
floor limit
(2) Credit would be available to the
farmers under the scheme in the form of revolving cash credit normally valid
for three years, subject to an annual review
(3) The Scheme covers term credit as
also working capital for agriculture and allied activities, in addition to
short term credit limit for crop/s
(4) all of the above
(5) none
11. The term ‘Moral suasion’ refers to
(a) The banker’s duty of secrecy as regards the affairs and accounts of his customers
(b) Moral duty of a borrower to deal with only one bank
(c) The advice given by Reserve bank to banks/financial institutions in the matter of their lending and other operations with the objective that they might implement or follow
(d) all
(e) none
12. Export-Import bank of India has been set up for the purposes of
(a) functioning as a specialized institution for providing credits to foreign trade on international competitive terms
(b) offering advisory services to exporters
(c) providing refinance facilities in regard to export finance extended by commercial banks and other financial institutions
(d) (a), (b) and (c)
(e)none
13.EXIM bank meets the needs of various groups viz:
(a) Indian exporters
(b) Overseas entities
(c) commercial banks
(d) all
(e) none
14. National housing banks is wholly owned by:
(a) RBI
(b) Housing development finance corporation LTD.
(c) Housing development boards of various states
(d) all
(e) none
15. The main objectives of national housing bank are
(a) To promote and develop specialized housing finance institutions for mobilization of resources and extending finance for housing activities
(b) To extend refinance facilities to housing finance institutions and to scheduled banks
(c) To provide guarantee and underwriting facilities to housing finance institutions
(d) all
(e) none
Answers:
1. C
2. D
3. A
4. A
5. C
6. A
7. A
8. 4
9. 4
10. 4
11. c
12. d
13. d
14. a
15. d
11. The term ‘Moral suasion’ refers to
(a) The banker’s duty of secrecy as regards the affairs and accounts of his customers
(b) Moral duty of a borrower to deal with only one bank
(c) The advice given by Reserve bank to banks/financial institutions in the matter of their lending and other operations with the objective that they might implement or follow
(d) all
(e) none
12. Export-Import bank of India has been set up for the purposes of
(a) functioning as a specialized institution for providing credits to foreign trade on international competitive terms
(b) offering advisory services to exporters
(c) providing refinance facilities in regard to export finance extended by commercial banks and other financial institutions
(d) (a), (b) and (c)
(e)none
13.EXIM bank meets the needs of various groups viz:
(a) Indian exporters
(b) Overseas entities
(c) commercial banks
(d) all
(e) none
14. National housing banks is wholly owned by:
(a) RBI
(b) Housing development finance corporation LTD.
(c) Housing development boards of various states
(d) all
(e) none
15. The main objectives of national housing bank are
(a) To promote and develop specialized housing finance institutions for mobilization of resources and extending finance for housing activities
(b) To extend refinance facilities to housing finance institutions and to scheduled banks
(c) To provide guarantee and underwriting facilities to housing finance institutions
(d) all
(e) none
Answers:
1. C
2. D
3. A
4. A
5. C
6. A
7. A
8. 4
9. 4
10. 4
11. c
12. d
13. d
14. a
15. d
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