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Banking Quiz Set- 4

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1.  Which one is referred to as Policy rate of RBI?
a.  Repo rate
b.  Reverse Repo rate
c.  MSF Rate
d.  Bank rate

2.  RBI adopted bi-monthly monetary policy on the recommendation of ?
a.  Bimal Jalan Committee
b.  Urjit Patel Committee
c.  CRAFICARD
d.  Mukul Mudgal Committee

3.  What will be the effect on market, if repo rate is increased?
a.  Liquidity in the market will increase
b.  Liquidity in the market will decrease
c.  No effect in liquidity
d.  None of the above

4.  What is Net Demand and Time Liabilities (NDTL) of banks?
a.  Net Demand Deposits (Savings and Current Deposits) and Time Deposits (Recurring and Fixed Deposits)
b.  Net Demand Deposits (Savings and Fixed Deposits) and Time Deposits (Recurring and Current Deposits)
c.  Net Demand Deposits (Recurring and Fixed Deposits) and Time Deposits (Savings and Fixed Deposits)
d.  None of the above

5.  What is the significant of the term ‘Liabilities’ in NDTL?
a.  It means Demand and Time Deposits are assets for customers, but liabilities for banks
b.  It means Demand and Time Deposits are assets for banks, but liabilities for customers
c.  It means Demand and Time Deposits are liabilities for both banks and customers
d.  It means Demand and Time Deposits are assets for both banks and customers

6.  What is Call Money?
a.  Money lent by one bank to another bank for 2 to 14 days
b.  Money lent by one bank to another bank for 1 day
c.  Money lent by RBI to a bank for 1 day
d.  Money lent by RBI to a bank for 2 to 14 days

7.  Which one is true regarding Liquidity Management by RBI?
a.  RBI anchors the call rate around the reverse repo rate – If reverse repo rate is increased by RBI, call rate will increase, making inter-bank loans costlier, thereby reducing liquidity in market
b.  RBI anchors the call rate around the policy rate (repo rate) – If repo rate is increased by RBI, call rate will increase, making inter-bank loans costlier, thereby reducing liquidity in market
c.  Both (a) and (b) are true
d.  None of the above is true

8.  14-day variable rate term repo auctions are provided by RBI for what percentage of NDTL to each banks?
a.  0.25 % of NDTL
b.  0.75 % of NDTL
c.  1 % of NDTL
d.  2 % of NDTL

9.  In addition to providing loans to banks at repo rate, RBI uses Marginal Standing Facility (MSF) to help banks manage their liquidity mismatches, if any. What percentage of stipulated Statutory Liquidity Ratio (SLR) holdings of government securities is eligible for this facility?
a.  1 % of SLR
b.  2 % of SLR
c.  1.5 % of SLR
d.  None of the above

10.  According to the new norms of RBI, MSF rate is fixed 100 basis points above ?
a.  policy rate (repo rate)
b.  reverse repo rate
c.  SLR
d.  bank rate

 

Answer:-

1 . Repo rate

 2. Urjit Patel Committee

3.Liquidity in the market will decrease

4. Net Demand Deposits (Savings and Current Deposits) and Time Deposits (Recurring and Fixed Deposits)

5.It means Demand and Time Deposits are assets for customers, but liabilities for banks

6.Money lent by one bank to another bank for 1 day

7.RBI anchors the call rate around the policy rate (repo rate) – If repo rate is increased by RBI, call rate will increase, making inter-bank loans costlier, thereby reducing liquidity in market

8. 0.75 % of NDTL

9.  2 % of SLR

10.  policy rate (repo rate)

 

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