IBPS Prectics Questin Paper Oct 2011

1. Which of the following statements is true?
a) The licence to open branches of bank is granted by Board of Directors of that Bank
b) There is no need of licenses to open branch of a bank
c) A licence to open a branch is issued by the Central Government
d) A licence to open a branch is issued by the Reserve Bank of India under the provisions of Banking Regulation Act, 1949

2. The important condition for granting licence of banking companies is?
a) Banking company need not plan to pay for future depositors
b) Banking company can plan for its capital structure once the licence is granted
c) The business undertaken by the banking company should not frustrate the interest of public
d) The banking company can undertake business other than banking with the permission of annual general body

3. Who of the following is not a party to the IPO?
a) Registrar of Issue
b) Investment Banker
c) Advertisement Agency
d) Registrar of Companies

4. Which of the following is not shown as an asset in the balance sheet of a Bank?
a) Investments
b) Advances
c) Cash Balances with other banks
d) Borrowings

5. The credit policy of a bank does not consists of?
a) Lending policies
b) Quality control
c) Loan product mix
d) Advertising of loan products

6. Which of the following is a function of the agent bank relating to flow of money in the process of loan syndication?
a) Receiving notices relating to cancellation of any part of the loan
b) Calling of loans in the event of default
c) Receiving the fee from the borrower and distributing among the participating banks
d) Receiving notices relating to transfers of banks

7. Which of the following is the parameter to recognize the SSI unit as sick unit?
a) The erosion in the net-worth due to accumulated losses is up to 25% of its net worth during the previous account year
b) The erosion in the net-worth due to accumulated losses is up to 50% of its net worth during the previous account year.
c) The unit should have been in commercial production for at least five years
d) Lack of updations in technological development

8. Which of the following is not the service provided by the Small Industries Service Institute?
a) Providing entrepreneurship development programs
b) Developmental efforts
c) Export promotion and liaison activities
d) Financial support

9. Service Area Approach (SAA) is associated with?
a) Rural and Semi-urban branches of commercial banks
b) Urban branches of commercial banks
c) Branches of commercial banks situated in metro cities
d) Development banks

10. Which of the following cannot be securitized?
a) Future rentals of a fishing boat
b) Hire purchase receivables
c) Demand drafts received by the banker during clearing
d) Future billings for an airline

11. Which of the following statements is true?
a) The special purpose vehicle (SPV) purchases the assets from the borrower directly during the securitization
b) The originator and obligor are the same persons in securitization process
c) Administrator collects the payments due from the obligor and passes it to the SPV and follows with defaulters
d) Mortgage based securitization provides high yields to the investor

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IBPS CLERKS EXAM PRACTICE QUESTIONS - SEP 2011

1. _____Is a program which reproduces itself?
a) Virus
b) Software
c) a and b
d) None

2. ____Viruses that aim at the boot sector of a hard drive are infect-ing a very crucial component of the boot process?
a) File infection virus
b) Boot virus
c) Network virus
d) E-mail virus

3. _____Is the virus that they will attach themselves to EXE files, compressed files like ZIP files and driver files?
a) File infector virus
b) Boot virus
c) Network virus
d) E-mail virus

4. _____Is the virus, which is uniquely created to quickly spread throughout the local area network?
a) File infector virus
b)Boot virus
c) Network virus
d) E-mail virus

5. Which of the following are the main purposes of an operating system?
a) To provide an environment for a computer user to execute programs on a computer hardware in a convenient and efficient manner
b) To allocate separate resources of the computer as needed to solve the problem given
c) Supervision of the executions of user programs to prevent errors and improper use of computer d) All of the above

6. Define acronym 'spooling'?
a) Simultaneous Peripheral Operation On-line
b) Simultaneous Peripheral Operation Off-line
c) Simultaneous Peripheral Organization On-line
d) System Peripheral Operation On-line

7. Several programs are in a memory concurrently; the syste-m switches among the programs for efficient processing and minimal idle time is called____?
a) Multi tasking
b) Multi programming
c) Multi functioning
d) None of the above

8. ____ Is the using scheduling and multiprogramming to provide an economical interactive system of two or more users?
a) Time sharing
b)Time changing
c) Processing
d) None

9. ____Is a system with two or more central processing units?
a) No definition
b) Multi processor
c) Double processor
d) None

Allahabad Bank Probationary Officers Exam., 2011

General Awareness 
                                                (Exam Held on 17-4-2011)

1. Which of the following is/are the objective(s) of Free Trade Agreement, India has done with many countries ?
1. To provide support to entrepreneurs for setting up new projects in tiny/SSI sector.
2. For undertaking expansion of business.
3. To support technology up-gradation.
(A) Only 1 and 2
(B) Only 2 and 3
(C) All 1, 2 and 3
(D) Only 1 and 3
(E) None of these
Ans : (C)

2. Which of the following organisations issue the rules of global trade ?
(A) World Bank
(B) World Trade Organisation
(C) Foreign Exchange Dealers’ Association
(D) Directorate General and Foreign Trade
(E) None of these
Ans : (B)

3. One single statement that depicts the financial position of a bank and/or business enterprise at a given point of time is called—
(A) Statement of product details
(B) Reconciliation Statement
(C) Balance Sheet
(D) Quarterly returns submitted to RBI
(E) Trading and manufacturing account
Ans : (C)


4. Banks borrow money from the RBI on which of the following rates ?
(A) Reverse Repo Rate
(B) Repo Rate
(C) SLR
(D) CRR
(E) Savings Rate
Ans : (B)

5. The Reverse mortgage scheme is launched to give benefit to which of the following groups of society ?
(A) Govt. employees
(B) Senior Citizens
(C) Unemployed youth
(D) War widows
(E) None of these
Ans : (B)

6. What does the letter ‘M’ depict in the term SME as used in the financial world ?
(A) Maximum
(B) Medium
(C) Mercantile
(D) Mutual
(E) Ministry
Ans : (B)

7. One of the major challenges banking industry is facing these days is deliberate efforts of some people to bring money earned through illegal activities in circulation. Which of the following acts is passed to prevent this activity ?
(A) Payment & Settlements Act
(B) Banking Regulation Act
(C) Negotiable Instrument Act
(D) Narcotics and Psychotropic Substance Act
(E) Prevention of Money laundering Act
Ans : (E)

8. Which of the following organizations provides guarantee to the exporters ?
(A) Exim Bank
(B) Export Credit Guarantee Corporation
(C) Director General Foreign Trade
(D) Reserve Bank of India
(E) Registrar of companies
Ans : (B)

9. Which of the following terms is not used in Banking World ?
(A) Credit
(B) Rate
(C) Financial Status
(D) Discount
(E) Absolute zero
Ans : (E)

10. What is the full form of IRR as used in banking/financial sectors ?
(A) Internal Rate of Return
(B) Internal Revaluation Reserve
(C) Investment Reserve Ratio
(D) Internal Risk Return
(E) None of the above
Ans : (A)

11. Which of the following organisations provides credit history of the borrowers ?
(A) CIBIL
(B) ARCIL
(C) SEBI
(D) RBI
(E) CCIL
Ans : (A)

12. Banks need liquidity to meet which of the following objectives of banking ?
1.Meet deposit withdrawal
2.Fund loan demands
3.Maintain public confidence
(A) Only 1
(B) Only 2
(C) Only 3
(D) Only 1 and 2
(E) Only 2 and 3
Ans : (D)

CAREER MAKERS SEPTEMBAR 2011

POST EXAM DISCUSSION FOR CWE IBPS

PLEASE WRITE WHAT IS YOUR ATTEMPT IN CWE PO.

CWE PO - DESCRIPTIVE PAPER - MODEL ONE

CWE PO - DESCRIPTIVE PAPER - MODEL ONE (please like our blog with facebook like)

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COMMON WRITTEN EXAMINATION – BANK PO (SEPTEMBER 2011)--MODEL ONE

Descriptive Paper for CWE IBPS PO EXAM

COMMON WRITTEN EXAMINATION – BANK PO (SEPTEMBER 2011)--MODEL ONE

TIME : 60 MINUTES
DESCRIPTIVE PAPER

1. Write an essay on any one of the topics in about 500 words:
a) High population level is helping China and India to show progress in their economy.
b) Why I prefer a Bank job.
c) In spite of advancement of technology there is scope for improving customer service in Banking.
d) Savings habit helps families and the nation.
e) Infrastructure is the key for achieving a Nation's progress.
f) Advantages of cell phones as compared to disadvantages in the use of them.


2. Write a letter to your Bank Manager complaining about the rude treatment given to you by Mr. Asokan, Deputy Manager when you requested him for allotting a locker to you.
OR
Write a letter to the Head Office of your Bank praising the quality of service rendered by you branch since your opening a current account for your business with them about six months ago.

IBPS Preparation |Success Mirror (both ENGLISH and HINDI) August -2011

Career Makers August 2011

BANKING AWARENESS PRACTICE QUESTIONS - 2011

1. R.B.I. has introduced a new series of 'Star' bank note. And that will be issued in denominations of?
Ans: Rs. 10, Rs. 20, Rs. 50

2. From which organisation RBI has bought 200 tonnes of gold?
Ans: International Monitory Fund

3. In India which is the biggest commercial bank in public sector?
Ans: State bank of India

4. Differential rate of interest scheme was introduced in which year?
Ans: 1972

5. From which date banks were allowed free to fix base rates by RBI?
Ans: April 1, 2011

6. Foreign Direct Investment limit in private sector banks is?
Ans: 74 percent

7. Chairman of the parliamentary committee on agricultural finance and credit flow?
Ans: N. Janardhan Reddy

8. First chairman of the private sector banks association is?
Ans: P.N. Joshi

9. RBI introduced Banking Ombudsman scheme in which year?
Ans: 1995

IBPS PO/MT Exam GENREAL AWARENESS PRACTICE Paper For Upcoming Exam -Sep 2011

1. 'Global Market' means market of?
1) USA
2) China
3) OPEC members
4) European Union Countries
5) All major countries and their alliances


2. Growth for 2011-12 has been -8.8% was the news in major news papers. This means which of the following grew at this rate during that period?
1) GDP
2) Money supply
3) Foreign Exchange Reserves
4) Inflation
5) Price Index

3. What is the full form of LAF?
1) Liquid Advance & Finance
2) Liquidity Adjustment Facility
3) Legal Adjournment Facility
4) Local Advance Finance
5) Late Arrival of Finance

4. Headquarter of the International Monetary Fund (IMF) is in?
l) Geneva
2) Paris
3) London
4) Manila
5) Washington DC

5. As per newspaper reports ANZ was given licence to open branch in Mumbai. ANZ is a bank based in?
1) Australia
2) Argentina
3) Afghanistan
4) Angola
5) Austria

6. Whenever somebody needs foreign-currency against Indian Rupee, banks give equivalent amount of desired currency based on prevalent?
1) Bank Rate
2) Currency rate
3) policy rate
4) exchange rate
5) base rate

7. Banks recover term loan from the parties in EMIs. What the letter 'E' represents in the term?
1) Easy
2) Effective
3) Equated
4) Essential
5) Economical

Computer Fundamentals For Computer Awarness

Computer Fundamental Book For Banking Computer Section.This book is very easy to read. All thing is Chapter wise

PRATIYOGITA DARPAN September- 2011 (Online Read)