28 October 2016

Latest General Awareness MCQs for Bank Clerks, POs, RRBs and Other Exams - 2016

1. Operating Guidelines for Small Finance banks issued by RBI on 6 October 2016. The guidelines for Licensing of Small Finance Banks earlier passed by RBI on.....
1) 1 June 2016
2) 26 February 2016
3) 1 February 2014
4) 21 December 2015
5) 27 November 2014

2. Minimum Capital Requirement for Small Finance Banks is ..... as per the guidelines issued on 6 October 2016.
1) 9% 2) 10% 3) 15% 4) 21% 5) 11.5%

3. Tier 1 common capital ratio is a measurement of a bank's core equity capital compared with its total risk-weighted assets that signifies a bank's financial strength. As per operating guidelines, for Small Finance Banks, the Common Equity Tier 1 is .......
1) 7% 2) 8.5% 3) 10% 4) 9.8% 5) 6%

4. LCR applicable to Small Finance banks also. LCR refers to highly liquid assets held by financial institutions to meet short-term obligations. The ratio is a generic stress test that aims to anticipate market-wide shocks. It is designed to ensure financial institutions have the necessary assets on hand to ride out short-term liquidity disruptions. In this context, LCR stands for ......
1) Loan Coverage Ratio
2) Liquidity Coverage Ratio
3) Lean Coverage Ratio
4) Leap Coverage Ratio
5) LIBOR Coverage Ratio

5. The aim to provide licenses to small banks is .......
1) supply of credit to small business units
2) help the small and marginal farmers
3) to help micro and small industries
4) to help the unorganized sector
5) All of above

6. The Minimum paid-up equity capital for small finance banks shall be .....
1) Rs.1000 crore 2) Rs.5000 crore
3) Rs.500 crore 4) Rs.10 crore
5) Rs.100 crore

7. Promoter's minimum initial contribution to the paid-up equity capital of such small finance banks shall at least be 40% and gradually brought down to 26% within ......
1) 12 years 2) 6 years
3) 10 years 4) 20 years 5) 8 years

8. The eligibility to become the Promoter for Small Finance Banks is .........
1) Resident individuals/professionals with 10 years of experience in banking and finance
2) Non-Banking Finance Companies
3) Micro Finance Institutions
4) Local Area Banks
5) All of above

9. The Foreign shareholding in the small banks allowed up to .........
1) 30% 2) 20% 3) 51% 4) 64%
5) as per the FDI policy for private sector banks as amended from time to time

10. As per the guidelines of RBI, the Small finance banks will be required to extend ....of its Adjusted Net Bank Credit (ANBC) to the sectors eligible for classification as Priority Sector Lending (PSL) by the Reserve Bank of India.
1) 75 % 2) 50% 3) 40% 4) 25% 5) 85%

11. As per the RBI guidelines, the small banks should see at least 50% of its loan portfolio should constitute loans and advances of up to .......
1) Rs.25 lakh 2) Rs.50 lakh
3) Rs.75 lakh 4) Rs.5 lakh 5) Rs.50,000

12. Small Finance Banks will be allowed exemption from the existing regulatory ceiling on inter-bank borrowings till the existing loans mature or up to ........... years, whichever is earlier.
1) four 2) six 3) eight 4) three 5) five

13. India's Ambassador to UN Conference on Disarmament, Geneva is .....
1) Syed Akabruddin 2) Navtej Singh Sarna
3) Dinesh K Patnaik 4) Amandeep Singh Gill
5) Sushma Swaraj

14. Prime Minister on 18 October 2016 launched the Zero Defect, Zero Effect (ZED) scheme for Micro, Small and Medium Enterprises (MSMEs) at Ludhiana in ....
1) Punjab 2) Haryana
3) Uttarakhand 4) MP 5) Chhattisgarh

15. Which scheme's objective is to accelerate access to high quality family planning choices based on information, reliable services and supplies within a rights-based framework?
1) Deen Dayal Upadhyaya Gramin Kaushalya Yozana
2) E-Nam 3) Parivar Vikas
4) Sardar Vallabhai Patel Rurban Mission
5) Mission Kakatiya

16. On 16 September 2016, the Union Tourism Minister approved projects worth of ..... for integrated development of Tourist facilities in Jammu and Kashmir under 'Swadesh Darshan Scheme'.
1) Rs.100 crore 2) Rs.1500 crore
3) Rs.300 crore 4) Rs.250 crore
5) Rs.500 crore

17. Under the Government of India's Unnat Jyoti by Affordable LEDs for All (UJALA), which state became the first state to distribute 2 crore LED bulbs?
1) Gujarat 2) AP
3) Rajasthan 4) Karnataka 5) Tamilnadu

18. On 1 September 2016, Gujarat signed for the Centre's RCS to improve unserved and underserved airports and runways in smaller towns. In this context, RCS stands for...
1) Roll Connectivity Scheme
2) Regional Contact Scheme
3) Regional Combat Scheme
4) Reign Connectivity Scheme
5) Regional Connectivity Scheme

19. Union government on 13 August 2016 launched 'Smart Ganga City' programme in 10 cities to set up Sewage Treatment Plants (STPs) and improve drainage network there on hybrid annuity mode on Public Private Partnership (PPP) basis. Which of the following city is not one among them?
1) Badrinath 2) Haridwar
3) Patna 4) Sahibganj 5) Barrackpore

20. Union government launched which mobile app to monitor upcoming transmission projects and monitors the progress of interstate and intra-state transmission systems in the country?
1) Tarang 2) Uday 3) Kayakalp 4) Standup India 5) e-pin

Answers:

1-5
2-3
3-5
4-2
5-5
6-5
7-1
8-5
9-5
10-1
11-1
12-4
13-4
14-1
15-3
16-5
17-1
18-5
19-1
20-1.

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