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IBPS > Market Situation, Distribution, Promotion & Advertising

Explore popular questions from Market Situation, Distribution, Promotion & Advertising for IBPS. This collection covers Market Situation, Distribution, Promotion & Advertising previous year IBPS questions hand picked by experienced teachers.

Q 1.

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Which of the following terms is used in Banking Field?

Interest Rate Swap

B

Input Devices

C

Sedimentary

D

Zero Hour

E

Privilege Motion

Q 2.

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On which one of the following issues can SEBI penalize any company in India?
(A) Violation of Banking Regulation Act.
(B) Violation of foreign portfolio investment guidelines.
(C) For violation of Negotiable Instrument Act.

A

Only (A)

B

All (A),(B) & (C)

C

Only (A) & (B)

Only (B) & (C)

E

Only (B)

Q 3.

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Expand the term ALM as used in Banking/Finance sector?

A

Asset Liability Mismatch

B

Asset Liability Maturity

Asset Liability Management

D

Asset Liability Manpower

E

None of the above

Q 4.

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What is the full form of the term LIBOR as used in financial banking sectors?

A

Local Indian Bank Offered Rate

B

London-India Bureau of Regulations

C

Liberal International Bank Official Ratio

London inter Bank Offered Rate

E

None of the above

Q 5.

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Expand the term FSDC which is used in financial sectors?

A

Financial Security and Development Council

Financial Stability and Development Council

C

Fiscal Security and Development Council

D

Fiscal Stability and Development Council

E

None of the above

Q 6.

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For which one of the following reasons are Basel II norms to be followed by Commercial Banks?

Risk management

B

Adoption of international accounting standards

C

Restriction on bonus payments to bank executives

D

Transparency in disclosures

E

None of the above

Q 7.

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Which one of the following will set up core banking infrastructure for rural banks?

A

RBI

NABARD

C

SIDBI

D

IBA

E

None of these

Q 8.

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Which of the following rates/ratios is not covered under the RBI monetary and credit policy ?

A

Bank rate

Exchange rate of foreign currencies

C

Repo rate

D

Reverse repo rate

E

Cash reserve ratio

Q 9.

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When a loan is granted by a bank for purchase of white goods it is called

A

Consumption loan

B

White goods loan

Consumer durable loan

D

All of these

E

None of these

Q 10.

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As per the reports in various newspapers many private companies are trying to obtain the licences to launch a banking company in India. Which of the following organizations/agencies issue the licence for the same?

A

Securities and Exchange Board of India (SEBI)

B

Indian Institute of Banking and Finance (IIBF)

Indian Banks Association

D

Registrar of Companies

E

None of the above

Q 11.

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Which of the following methods is being adopted by Banks for calculating and applying interest on Savings Bank accounts?

A

On monthly products based on minimum balance between 10th and last working day.

Daily balance is counted and interest is paid accordingly

C

On average quarterly balance.

D

On average half yearly balance.

E

None of the above.

Q 12.

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The main function of IMF is to

A

give financial investment loans to devoloping countries

B

act as a private sector lending arm of the World Bank

help of solve balance of payment problems of member countries

D

arrange international deposits from banks

E

None of the above

Q 13.

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Which of the following is not a part of the scheduled banking structure in India ?

Money lenders

B

Public sector banks

C

Private sector banks

D

Regional rural banks

E

State cooperative banks

Q 14.

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The rate of interest on savings bank account is stipulated by

A

the concerned bank

B

RBI

C

Indian banks association

Government of India

E

Banking codes and standards board of India

Q 15.

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Many times we read a term 'CBS' used in banking operation. What is the full form of the letter 'C' in the term 'CBS'?

Core

B

Credit

C

Continuous

D

Complete

E

None of these

Q 16.

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The RBI reviews its credit and monetary policy at regular intervals and also in between. What is the purpose of the same ?
A. To ensure that inflation does not cross limits.
B. To ensure that banks have enough liquidity.
C. To ensure that cost of the fund does not reach a very high level

A

Only A

B

Only B

All A, B and C

D

Only B and C

E

None of these

Q 17.

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Under provisions of which one of the following Acts does the RBI issue directives to the Banks in India ?

A

RBI Act

B

Banking Regulation Act

C

Essential Commodities Act

RBI and Banking Regulation Act

E

None of the above

Q 18.

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Which one of the following tools is used by RBI for selective credit control ?

A

It advises banks to lend against certain commodities

It advises banks to recall the loans for advances against certain commodities

C

It advises banks to charge higher rate of interest for advance against certain commodities.

D

It discourages certain kinds of lending by assigning higher risk weights to loans it deems undesirable.

E

None of the above

Q 19.

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For which one of the following are loan products 'teaser loans' offered by banks ?

A

Education loans

B

Commercial laons

C

Loans against security of gold

D

Retail trade loans

Home loans

Q 20.

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Under provisions of which one of the following Acts has the Reserve Bank of India has the power to regulate, supervise and control the banking sector?

A

RBI Act

Banking Regulation Act

C

Negotiable Instruments Act

D

RBI and Banking Regulation Act

E

None of the above

Q 21.

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Credit rating is

used to rate the borrowers while giving advances

B

used to work out performance of the employees

C

used to calculate the number of excellent audit rated branches

D

not used in any bank

E

necessary before giving promotion to employees

Q 22.

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RTGS stands for

Real Time Gross Settlements

B

Reduced Time Gross Settlements

C

Relative Time Gross Settlements

D

Real Total Gross Securities

E

None of the above

Q 23.

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As we all know, the Bank Rate at present is fixed at 6%. What does it mean in context to the banking operations ?

No bank will be able to give loan to any patron at a rate lower than the Bank Rate.

B

Bank should give loan to their priority sector customers/ borrowers at the rate of 6% only. They cannot charge less or more than this from their priority sector clients.

C

Banks are required to invest 6% of their total capital on financial inclusion and inclusive banking operations.

D

Banks will be required to give 6% of their total deposits to the Govt. of India for meeting its Balance of Trade requirements.

E

None of the above

Q 24.

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As we all know, the RBI has raised the Cash Reserve Ratio (CRR) by 25 bps, in April 2010. What action will banks have to take to implement the same ?
(A) They will have to deposit some more money with the RBI as reserve money.
(B) Banks will be required to give some more loan to projects of the priority sector.
(C) Banks will be required to give a loan equivalent to the CRR to the Govt. of India for its day to day expenditure as and when required.

Only A

B

Only B

C

Only C

D

Only A and B

E

All A, B and C

Q 25.

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Insurance service provided by various banks is commonly known as ........

A

Investment Banking

B

Portfolio Management

C

Merchant Banking

Bancassurance

E

Micro Finance