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41. Lack of access to financial services is technically known as
(A). Financial instability
(B). Financial inclusion
(C). Financial stability
(D). Financial exclusion

42. Which of the following is not one of the major functions of the National Bank for Agricultural and Rural Development (NABARD)?
(A). Acting as a regulator for cooperative banks and RRBs
(B). Extending assistance to the government and others in matters relating to rural development
(C). Providing refinance to lending institutions in rural areas
(D).Review of monetary & credit policy

43. As we all know Banks in India are required to maintain a portion of their demand and time liabilities with the Reserve Bank of India. This portion is called
(A). Statutory Liquidity Ratio
(B). Cash Reserve Ratio
(C). Bank Deposit
(D). Reverse Repo

44. Banks in their daily business face various kinds of risks. Which of the following is one such major risk?
(A). Customer risk
(B). Reputation
(C). Goodwill risk
(D). Operational risk

45. Which of the following schemes was launched by the RBI in 2004 under which Govt. of India dated Securities/Treasury Bills could be issued to absorb surplus/ durable liquidity?
(B). External Commercial Borrowing
(C). Market Stabilisation Scheme
(D). High Value Clearing Scheme