Bank Specialist Officer - Page 2
Bank 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.
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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Q41. CAMELS rating is used for?
A. Hotel grading
B. Bank performance rating
C. School rating
D. Insurance rating
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Q42. Which is a major source of bank income?
A. Interest on loans
B. Salary of employees
C. ATM cards
D. Furniture sales
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Q43. MSME stands for?
A. Medium State Manufacturing Entity
B. Micro Small and Medium Enterprises
C. Multiple Sector Management Entity
D. Micro Saving Market Enterprise
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Q44. What is the full form of NEFT?
A. National Electronic Funds Transfer
B. National Easy Finance Transfer
C. New Electronic Finance Technique
D. National E-Fund Tracking
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