121. Which of the following
is a borrowing facility/loan advance? (a)
(a) Term finance
(b) Performance guarantee
(c) Bill received under
letter of credit
(d) All the above
122. Fixed assets ratio
means (b)
(a) Fixed assets to paid-up
capital
(b) Net fixed assets to
long-term funds
(c) Net worth
(d) None of the above
123. A decline in the
current ratio and liquidity ratio indicates (c)
(a) Sound position (b)
Solvency
(c) Over trading (d) Off
shore
124. Marginal cost means (a)
(a) Raw-material selling
expenses and other variable expenses
(b) Prime cost
(c) Margin of sales
(d) None of the above
125. Assignment means
transfer of (d)
(a) Ownership only (b)
Possession only
(c) The policy-holder only
(d) A debit/right/property only
126. Margin of surrender
value for the purpose of bank loan is retained to the extent of (c)
(a) 5% (b) 8%
(c) 10% (d)
15%
127. Selective credit
control covers (d)
(a) Margin (b)
Interest
(c) Level of credit (d) All the above
128. Under which provisions
is Selective credit control governed? (c)
(a) Section 49 of the
Banking Regulation Act
(b) Section 3 of the Public
Debt Act
(c) Section 21 of the RBI
Act
(d) Section 131 of the
Negotiable Instrument Act
129. Pledge of advance is
made against (b)
(a) Gold (b)
Commodities
(c) Coins and notes (d) All the
above
130. What rate of interest
is charged on the advances made against Duty Draw Back Scheme? (d)
(a) Same as of export
advance (b) Same as on working
capital
(c) Same as of export
refinance (d) Nil
131. Contract of insurance
is a contract of
(b)
(a) Agency (b)
Indemnity
(c) Bailment (d)
Guarantee
132. The insurance policy
over the security is arranged for in the name of the (a)
(a) Borrower and endorsed
in favour of the bank
(b) Bank
(c) Borrower
(d) None of the above
133. Bank becomes pledge
over the
(c)
(a) Supply bills (b) Demand bills
(c) Import bills (d) Export bills
134. Who registers the
firm? (c)
(a) Deputy Commissioner (b) Bank
(c) Registrar of Firms (d) Registrar of Companies
135. Which of the following
are covered under pledge?
(d)
(a) Actual delivery of the
goods
(b) Factory type pledge
(c) Constructive delivery
of the goods
(d) All the above
136. Cash credit accounts
are closed (b)
(a) On the death of the
agent
(b) On the death of the
principal
(c) On the death of the
Managing Director of the company
(d) None of the above
137. Industrial
co-operatives covered under SSI can raise loan without ceiling. The loan will
be refinanced by (c)
(a) IDBI (b) RBI
(c) NABARD (d) DICGC
138. What is the minimum
period of medium and long-term loans?
(b)
(a) 12 months (b) 18 months
(c) 24 months (d) 36 months
139. Which bank does not
belong to State Bank Group? (b)
(a) State Bank of Indore
(b) Banaras State Bank
(c) State Bank of Bikaner
and Jaipur
(d) State Bank of Patiala
140. For which are the
reserves maintained before issuing the following?
(d)
(a) One rupee notes (b) One rupee
coins
(c) All notes and coins (d) RBI notes
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