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Banking Related GK
1. Adjusted net bank credit (ANBC) means:a) net bank credit minor FCNR(B) & NRNR deposits
b) net bank credit plus investment in non SLR bonds in Held Till maturity category
c) Gross advances minus provision for NPAs
d) Aggregate Bank Credit minus inter bank loans 5
2. As per RBI guidelines, Indian commercial banks are required to lend to priority sector____of adjusted net bank credit or Credit equivalent of Off Balance Sheet Exposure whichever is higher.
(a) 18%
(b) 40%
(c) 25%
(d) 32%
(e) None of these
3. As per RBI guidelines, Indian commercial banks are required to lend ____% of their ANBC or Credit Equivalent of Off Balance Sheet Exposure whichever is higher to agriculture
(a) 18
(b) 10
(c) 32
(d) 40
(e) None of these
4. As per RBI guidelines, Indian commercial banks are required to lend 10% of their ____ to weaker sections.
(a) Adjusted Net bank credit
(b) aggregate advances
(c) Net Bank Credit
(d) total advances
(e) advances to priority sector
5. As per RBI guidelines, Indian commercial banks are required to lend ___% of their adjusted net bank credit to women beneficiaries
(a) 18
(b) 10
(c) 32
(d) 45
(e) 5%
6. Indian Commercial Banks are required to lend 18% of ANBC to agriculture. Of this, indirect agriculture can be up to a maximum of _____of ANBC or CEOBE whichever is higher.
(a) 10%
(b) 25%
(c) 4.5%
(d) 15%
(e) None of these
7. Which of the following is correct regarding targets for agriculture lending under Priority Sector?
(a) Overall targets for agriculture lending is 18% of ANBC
(b) Within agriculture, indirect agriculture should not be more than 4.5% of ANBC
(c) Indirect agriculture more than 4.5% of ANBC will not be considered for targets of both agriculture or PS.
(d) Indirect agriculture more than 4.5% of ANBC will not be considered for targets of agriculture but considered as part of PS.
8. Domestic banks including private banks are required to lend ____% of ANBC as export credit within priority sector target of 40%.
(a) 10%
(b) 12%
(c) 15%
(d) 20%
(e) None of these
9. Which of the following is not correct about targets relating to lending under DRI scheme?
(a) Target for lending is 1 per cent of total advances outstanding as at the end of the previous year.
(b) Minimum 40% of the total advances under DRI scheme should go to SC/ST
(c) At least two third of DRI advances should be granted through rural and semi-urban branches.
(d) None of these
10. How much per cent of total advances to small enterprises sector should go to micro (manufacturing) enterprises having investment in plant and machinery up to Rs 5 lakh and micro (service) enterprises having investment in equipment up to Rs. 2 lakh?
(a) 40%
(b) 20%
(c) 60%
(d) 50%
(e) None of these
11. How much per cent of total advances to small enterprises sector should go to micro (manufacturing) enterprises with investment in plant and machinery above Rs 5 lakh and up to Rs. 25 lakh, and micro (service) enterprises with investment in equipment above Rs. 2 lakh and up to Rs. 10 lakh.
(a) 40%
(b) 20%
(c) 60%
(d) 50%
(e) None of these
12. As per RBI guidelines, 60 per cent of small enterprises advances should go to the micro enterprises. This guideline is applicable to:
(a) public sector banks only
(b) public sector and private sector banks only
(c) foreign banks only
(d) domestic as well as foreign banks
(e) None of these
13. Advances against pledge/hypothecation of agricultural produce (including ware-house receipts) sanctioned to farmers will be covered under priority sector provided maximum advance is Rs ____lac and maximum period for such advance is _____ months:
(a) 5, 12
(b) 10, 12
(c) 1, 6
(d) 1, 12
(e) None of these
14. Loan of Rs 7 crore has been given to a partnership for pre and post harvest activity. How much of it will be direct agriculture and how much will be indirect agriculture?
(a) entire advance will be direct agriculture
(b) entire advance will be indirect agriculture
(c) Rs 1 crore direct agri & 6 crore indirect agri
(d) Rs 3 crore direct agri & Rs 4 crore indirect agri
15. Number of members in a Joint Liability Group of farmers should be between____ and _____.
(a) 10 and 25
(b) 10 and 20
(c) 5 and 20
(d) 4 and 10
(e) None of these
