Bank Specialist Officer MCQs - Page 2
<b>Bank </b>Specialist Officer (Bank SO) exams include professional roles such as IT Officer, HR Officer, Marketing Officer, Law Officer, Agriculture Field Officer, and Finance Officer. This section provides high-quality MCQs and study material covering reasoning, quantitative aptitude, English, and domain-specific topics. Designed for IBPS SO, SBI SO, and other bank recruitment exams, these questions help candidates strengthen concepts and improve accuracy. Ideal for aspirants preparing for preliminary and mains SO exams.
Q21. Capital Adequacy Ratio ensures?
A. Liquidity
B. Capital safety
C. Profitability
D. Branch expansion
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Q22. Basel norms are related to?
A. International trade
B. Banking risk management
C. Taxation
D. Monetary policy
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Q23. Which is a retail banking product?
A. Home loans
B. Corporate loans
C. Treasury bonds
D. Export financing
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Q24. Digital payment system in India is regulated by?
A. NPCI
B. UGC
C. FAO
D. IRDAI
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Q25. What is inflation?
A. Increase in money value
B. Decrease in general price level
C. Increase in general price level
D. Increase in exports
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Q26. Which bank launched UPI first?
A. HDFC Bank
B. Axis Bank
C. Yes Bank
D. ICICI Bank
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Q27. Call money market deals in?
A. Long-term loans
B. Short-term funds
C. Insurance
D. Equity shares
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Q28. Which is NOT a type of cheque?
A. Bearer cheque
B. Crossed cheque
C. Self cheque
D. Premium cheque
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Q29. RTGS stands for?
A. Real Time Gross Settlement
B. Rapid Transfer Gateway System
C. Ready Transaction Gateway
D. Real Time Gold Savings
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Q30. Which of these is a liability for the bank?
A. Loans given
B. Customer deposits
C. ATM machines
D. Bank buildings
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Q31. Asset-liability mismatch affects?
A. Profit only
B. Liquidity risk
C. Tax rate
D. Interest calculation
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Q32. Which is a treasury function?
A. Cash management
B. Loan sanctioning
C. KYC verification
D. Account opening
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Q33. Mortgage is a type of?
A. Unsecured loan
B. Secured loan
C. Gold loan
D. Overdraft
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Q34. CRAR stands for?
A. Capital Requirement Rate
B. Capital to Risk-weighted Asset Ratio
C. Credit Risk Asset Ratio
D. Cash Reserve Asset Ratio
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Q35. Which is an example of secured loan?
A. Credit card loan
B. Personal loan
C. Vehicle loan
D. Education loan
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Q36. Which of the following is a negotiable instrument?
A. Fixed deposit receipt
B. Cheque
C. Loan agreement
D. PAN card
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Q38. Overdraft facility is available in?
A. Savings account
B. Current account
C. Recurring account
D. FD account
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Q39. Which bank handles rural credit?
A. SEBI
B. SIDBI
C. NABARD
D. IRDAI
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Q40. Letter of Credit is issued by?
A. Importer
B. Exporter
C. Bank
D. Government
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