From : E-Group, STC, Salt Lake, Kolkata Dear Member, Kindly double click on the enclosed attachment to read it. With regards, Anup Sen, Moderator E-Group, STC, Salt Lake, Kolkata email : stcsaltlake@xxxxxxxx We are receiving emails from our members advising that they are not receiving emails from us. In this regard we like to inform our members that there may be two reasons for non receipt of the emails as under: 1. If mails are returned from your mail box (due to hard bounce) as there is no space in the mail box, our system automatically delete your email from the list. To avoid these, please ensure to download regularly the mails sent by us and keep enough space in the mail-box. 2. Some of the e-mail servers (e.g. yahoo.com, sify.com, rediff.com or hotmail.com etc) may treat our mails as "SPAM" and delete the mails. Some of them put these mails in the "Bulk Folder". If such is the case, please take up the matter with your respective e-mail service provider to sort out the problem. However, if you do not receive our mails please contact us. We shall be glad to receive your feedbacks through emails regarding the mails being sent to you through this e-group. This message is intended only for the use of the Addressee and may contain information that is PRIVILEGED and CONFIDENTIAL. If you are not the intended recipient, dissemination of this communication is prohibited. If you have received this communication in error, please erase all copies of the message and its attachments and kindly arrange to notify stcsaltlake@xxxxxxxx immediately.Title: TEST PAPER FOR CANDIDATES APPEARING FOR TO / JMGS I - 2004
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Model Questions for candidates appearing for TO / JMGS I 1) Name the
focussed Business Groups created after restructuring: - a) National Banking Group b) Corporate
Banking Group c) International Banking Group d) Associates
and Subsidiaries. e) None of the above. f) All of the above 2) Ist policy
of ?SBI Life Insurance ltd.? has been named as: a) Quantum b)
Magnum c) Jeevan Mitra d)
Sanjeevan 3) Amount mobilised under IMD issued by the bank was: a) $5,497 millions b) $
6,232 millions c) $ 4,221 millions d) $
4,829 millions 4) What action is taken if one of the
customers tenders a forged note? a) He is caught and confined in a room till the
police arrives b) The note is returned with the remark ?forged
note" c) The
note is impounded after
recording his statement which is forwarded to police for investigation d)
The note is impounded
and the customer is sent away 5). The relationship between the hirers of a
bank locker and the Bank is that of a) Debtor-Creditor b) Bailor-bailee c) Licensor-licensee d) Principal-agent 6) Which
section of the Negotiable Instruments Act,1881 permits institution of criminal
proceedings against persons who have issued cheques that have bounced ? a) Sec. 144 b)
Sec. 28 c) Sec. 138 d)
Sec. 50 7) A contract
of Insurance is a contract of a) Indemnity b)
Pledge c) Guarantee d)
Hypothecation 8) In a
cheque presented for payment, the amount stated in words and figures differs.
What would you do ? a) Pay the amount stated in words b) Pay the amount stated in figures c) Pay the lower of the two amounts d) Return the cheque with the reason - amount in
words and figures differ. 9) Restriction on number of partners in a firm is imposed
by ? a) Indian Companies Act 1956 b) Indian
Partnership Act 1932 c) Indian Contract Act 1872 d) None
of these 10) The
provisions of Consumers Protection
Act, 1986 are applicable to the services rendered by the Banks to
whom? a) To
the customers of the bank only b) To
the customers and the users of services
irrespective of whether the service is gratis, or for a consideration c) To the customers and any user of Bank's
services against consideration 11) Which of the
following statement is not correct a) Nomination can be made by illiterate
depositor b) Nomination can be made on joint Accounts
also c) One person should be nominated d) Two persons can be nominated in the Joint
Accounts 12) The certificate to commence business is to be
called for, for perusal and return for opening of an account of: a) Public Limited Company b) Club
& Association c)
Private Limited Company d) None. 13) The Negotiable Instruments Act allows 3 days of
grace on: a) Cheques b)
Usance Bills of Exchange c) Promissory Note d) None. 14) When a cheque in which the drawer?s signatures is
forged is paid the paying banker is : a) Protected if it was paid in good faith and
without negligence b) Not entitled to debit the customer's
account c) Protected if the forgery could not be
detected even after exercise of reasonable care 15) The mechanism
by which income and interest expenditure is shared between Central Office and
branches is called: a) Interest receivable/payable to Central Office b) Funds management c) Transfer Price Mechanism d) Income sharing 16) The
GENDA reports are to be checked by: a) System Administrator b) Accountant c) Branch Manager d) User
Control Officer 17) Deposits of
deceased persons lying in the current account earn interest at what rate? a) Savings Bank interest rate b) Not
payable at all c) Prevailing time deposit rate d) 10%
per annum 18) If the
original as well as the duplicate of a draft are presented through clearing the
same day, by two different banks, giving the certificate ? payees account
credited?, which is to be paid? a) Both should be returned b) Original to be paid & duplicate returned c) Duplicate to be paid and original to be
returned d) None of these 19) To which
head, deposits accepted under the Kisan Mitra Jama Yojana are credited to? a) Current account b) Special
Term Deposit A/c c) Term Deposit A/c d) Profit
& loss A/c 20) In case
the nominee predeceases the account holder, the nomination :- a) Stands cancelled b) The legal heirs of the nominee have the right
to claim the amount c) Legal representation is required 21) The day?s
chest transfer at the branch is credited to/debited to a) Currency Transaction Account b) Branch Cash Balance Account c) Government General Account d) None
of these 22) Police escort
charges incurred in connection with currency remittance
will be a) Paid by debit to Charges Account b) Paid by debit to Currency Transaction Account c) Paid by debit to Charges and then recovered
from Reserve Bank of India d) Paid by debit to Suspense Account 23) What is the
minimum and maximum amount for which Savings Bank Cheque can be drawn a) Rs. 50 and no limit b) Rs. 5 and
Rs. 2500 c) Rs.50 and Rs. 5000/- d) No such
restriction 24)
Corporate Liquid Term Deposit scheme can be issued for the period of a) 15 days to 1 year b) 15 days
to 2 years c) 15 days to 3 years. d) 15 days to
5 years. 25) Minimum and
maximum period for opening Money Box Deposit Account is a) 12 Months & 60 Months b) 12
Months & 120 Months c) 24 Months & 120 Months d) 6 Months & 60 Months 26) As per
Nayak Committee recommendations working capital to be sanctioned by a Bank
should be computed on the basis of:- a) A minimum of 25% of estimated sales b) A minimum of 20% of projected annual turnover c) A maximum of 20% of projected annual turnover
sales d) A maximum of 25% of actual turnover of previous year 27) Circle
Credit committee has following members under the new credit process: a) CGM,GM(Com),
GM (D&PB) & Circle Finance Officer b) CGM,GM(Com),
Circle Credit Officer& Circle
Finance Officer c) CGM,GM(Com),
GM (D&PB) & Circle Credit Officer d) CGM, Circle Credit Officer, Circle Finance
Officer & Circle Dev. Officer 28) 90 days delinquency norms for classification of NPAs are effective from a) 31.3.2003 b)
31.3.2004 c) 31.3.2005d) 31.3.2006 29) A
non-performing asset remains as a sub-standard asset for a period of a) For more than 2 years b) For more than 3
years c) For not exceeding 18 months d) None 30) For
conversion of crop loan into term loan a request from farmer borrower has to be
made in________ a) AB 6 b)
AB 3 c)
AB 7d) None
of the above 31) The scale of
finance for crop lawns are fixed by ________ a) Local Head Office b) Regional
Office c) Lead Bank d) Distt.level Technical Committee 32) Rabi season
starts from a) December to May b) October
to March c) May to October d) April
to September 33) The
amount of recovery in respect of a loan written off by debit to LHO is credited to a) Charges Account b) Br.Clg.
Gen A/c - LHO c) Sundry Deposit A/c d) Protested
bill A/c 34) Interest
on Crop Loan should be applied________ a) May and November b) April and
September c) on due dates d)
Half-yearly 35) As per RBI
guidelines a term loan is not repayable before: (a) 12 months (b)
36 months c) 60 months d)
24 months 36) The maximum subsidy available per family under
SGSY for SC/ST beneficiary is: a) 4000/- b)
5000/- c)
10000/- d)
7500/- 37) Name the chairman of ?Committee on Financial
System? for giving recommendations to
have proper system for Income Recognition and Asset Classification &
Provisioning ? a) M.N.Goiporia b) Dr.C.Rangrajan c) M.Narashimham 38) A provision is made on secured portion of Doubtful
Asset which is NPA for the last 3
years. a) 20% b)
30% c)
50% d)
10% 39) Self-Help group should not consist more
than____persons a) 20 b)
10 c) 30 d) 25 40) Under FCNB scheme who absorbs the exchange Risk
involved a) The AD c) GOI b) RBI d) The depositor 41) The amount of overdraft permissible in Saving Bank
Account to NRI under NRE Scheme is a) Rs. 100000 c)
Rs.20000 b) Rs. 50000 d)
Rs. Not permissible 42) Mr. Oswal who has been selected to go abroad on
business visit. He is eligible for how much foreign exchange? a) USD 5,000 c)
USD 25,000 b) USD 10,000 d)
USD 20,000 43)An air-hostess employed by Air India often on duty
on flights involving destinations like London, New York, Tokyo, etc., She is
entitled to open only: a) An ordinary non-resident account b) A non-resident (external) account c) Only an account in Indian rupees like any
other resident in India 44) Debt Equity Ratio means : a) Long term debt plus bank borrowing to
shareholders? funds b) Long term debt to equity c) Long term debt plus bank borrowing to paid up
capital d) None of these 45) Hypothecation advances granted to partnership
undertakings should be registered with: a) The Registrar of Companies b) The Registrar of Assurance c) The Registrar of Firms d) Such advances do not require any
registration 46) Who has been appointed as the new Governor of
Reserve Bank of India ? a) Dr. C.Rangarajan b) Dr.Y.V.Reddy. c) Jaswant Singh d)
Bimal Jalan 47) A
complaint received from a
customer is required to be settled finally within a maximum period of a) 20 days b)
15 days c) 21 days d)
45 days 48) Branches having a strength of 100 or more are required to hold customer
service committee meting at : a) yearly intervals b) half-yearly
intervals c) monthly intervals d) quarterly
intervals 49) Banking Ombudsman can award compensation to cover the loss suffered by
the complainant, up to a maximum of Rs. a) 1 lac b)
5 lacs c) 2 lacs d)
10 lacs 50) Who verifies the thumb impression of a depositor
on Saving Bank withdrawal form: a) the Passing Officer b) the Branch
Officer c) the Head Cashier d) the
Accountant 51) The paid up capital of State Bank of India
as on 31/03/2004 is a) 1000 crore b) 750 crore c) 529.30crore d) None 52)
Under the Universal Computerization
Project , A category branch is a) Where requirement of nodes is 6 or more b) Where requirement of nodes is 2 to 5. c) Where requirement of nodes is 1 d) None. 53) Maximum cash that can
be withdrawn from an ATM of SBI in a day is a) Rs.40000/ b)
Rs.25000/ c)
Rs.15000/ d) No limit 54) What is the capital
adequacy ratio of SBI as on 31/03/04? a) 13.50% b)
12.25% c)
10.25% d) 13.53% 55) What is the net profit
of SBI as on 31/03/04? a) Rs.3105 cr. b)Rs.
3521 cr. c) Rs.3681 cr. d) Rs.3420 cr 56) Who is heading banks
Corporate Banking Group? a) Shri A.K.Purwar b)
Shri C.Bhattacharya c) Shri A.Kene.
d) None 57) Who is holding maximum
shares of SBI? a) RBI
b) Central Govt. c)
General public d) IDBI 58) As per banks policy
guidelines for 2004-05, the gross NPAs are to be brought down to a) 6.50%
b) 5.00% c) 9.80% d) 2.00% 59) A single window
operator can receive Govt. challans up to a) Rs.5000 b)
Rs.10000 c) Rs.3000 d) Rs.15000 60) A minor is eligible to open a savings bank account
if he can maintain a uniform signature and has completed a) 18 years of age b) 10
years of age c) 21 years of age d) 12
years of age 61) What is the remuneration received at the whole
bank level for conducting the Government transactions? a) 11.22
paise per Rs.100 b) 9.80
paise per Rs. 100 c) 10.40
paise per Rs. 100 d) 11.80
paise per Rs. 100 62) Paper sealing system is applicable to: a) All notes below the denomination of Rs.100/- b) All notes irrespective of denomination c) Notes of Rs. 10 denomination and below 63) A remittance from one Currency Chest to a currency
chest of another Bank is effected a) By debit to Link Branch b) By
debit to Reserve Bank of India c) No entries need be passed d)
None of these 64) What is the present
SBAR? a) 11% b) 10.25% c) 10.50% d) 9.50% 65) Interest on delayed collection of cheque is
paid by debit to a) Interest a/c b) SB interest /ac c) Charges a/c d) None 66) Interest is not
payable to Central office on cash balance TRUE / FALSE 67) Which is the last
circle to be added in SBI? a) Uttaranchal b)
Kerala c)
Zarkhand d) None 68) Under Education loan
up to what amount security is not to be insisted? a) Rs.15.00 lac
b) Rs.7.50 lac c)
Rs.4.00 lac d) None 69) Maximum repayment
period by way of EMI for housing loan to borrowers up to 45 years of age is a) 15 years
b) 10 years c) 25
years d) 20years 70) Incentive under
transfer price mechanism for issuing of each ATM card is a) Rs.100/
b) Rs.750 c)
Rs.250 d) Rs.500 71) What is the new
efficiency parameter included in the P form? a) Capital Adequacy Ratio b) Current Ratio
c) Transaction cost 72) What is the network
system that connects partitions in bankmaster setup? a) SBI connect b) LAN c) WAN d) None 73) The term customer is
defined under a) RBI Act
b) BR Act c)
N.I.Act d) None 74) Expand USROMD 75) Cash retention limit
of teller is a) Rs.1.50 lac
b) Rs.2.00 lac c)
Rs.5.00 lac d) None Key
for the objective questions
1) f
2) d 3) a 4) c
5) c 6) c 7) a
8) a 9) a 10) c
11) d 12) a
13) b 14) b 15) c
16) c 17) a 18) b
19) b 20) a 21) a 22) c
23) a 24) c 25)b
26) b 27) c 28) b
29) c 30) c 31) d 32) b
33) a 34) c 35) b
36) c 37) c 38) b
39) a 40) a 41) b 42) c
43) c 44) b 45) d
46) b 47) c 48) c
49) d 50) a 51) c 52) a
53) c 54) d 55) c
56) b 57) a 58) b
59) b 60) b 61) d 62) a
63) c 64) b 65) c
66) False 67) b 68) c
69) d 70) a 71) c 72) b
73) d 74) Utility Services
Rental & Other Misc.Dep 75) b. |
