maxknow: 2014

GENERAL AWARENESS for SBI PO

1.RTGS Transfers _____________.

(1) happen in batches of 1 hour (2) happen in batches of half an hour

(3) are instantaneous (4) happen in batches of two hours

(5) None of these

2. _________ is a key determinant indicating availability of banking services for the entire economy.
(1) RTGS (2) NEFT (3) Reach of bank network (4) Number of bankers (5) None of these

3. Usufructurary mortgage with personal liability of mortgager is nothing but ________.
(1) Anomalous mortgage (2) English mortgage (3) Equitable mortgage
(4) Lien (5) None of these

4. "A borrower defaults on a secured loan of Rs. 50,000. The underlying security is worth Rs. 60,000. Which of the following is true? "
(1) "Bank can retain Rs. 50,000. Balance Rs. 10,000 has to be paid to the borrower."
(2) Bank cannot sell the underlying security because its value is higher than loan.
(3) "Bank can retain the entire Rs. 60,000"
(4) "The excess of Rs. 10,000 has to be shared equally between the bank and the borrower."
(5) None of these

5. Which of the following is true of Reverse Repo rate?
(1) Determined by free market forces (2) Lower than repo rate               (3) benchmark for long term rates
(4) Part of funding cost for commercial banks            (5) None of these

6. Which of the following is true of Reverse Repo rate?
(1) Determined by free market forces (2) Lower than repo rate (3) benchmark for long term rates
(4) Part of funding cost for commercial banks (5) None of these

7. The relevant banking ombudsman for filing a complaint regarding credit card with central processing is the one under whose jurisdiction __________.
(1) the head office of the bank falls (2) the central processing center of the bank falls
(3) the nearest bank branch falls (4) Either 1 or 2
(5) None of these

8. Which of the following is true in the case of transfer of financial asset under SARFAESI?
(1) "Charge does not need to be registered, even if borrower is company."
(2) Original borrower does not need to be informed.
(3) Both of the above
(4) All can be answer
(5) None of these

9. "In the BASEL framework, first pillar stands for:"
(1) Minimum capital requirements       (2) Market Discipline   (3) Supervisory Review Process
(4) Monetary stability                          (5) None of these

10. Vehicle finance is made cheaper through _________.
(1) Better insurance cover (2) Special arrangement with manufacturer

(3) Navigation system in the car (4) Higher engine capacity (5) None of these

11. CAMELS framework was first used in _______.
(1) UK (2) Canada (3) India (4) US (5) None of these

12. SHG stands for:
(1) Society Housing Group      (2) Society Household Group (3) Self House Group
(4) Self Help Group                 (5) None of these

13. "When a customer opts for a safe deposit locker, the bank becomes a _______."
(1) Debtor (2) Creditor (3) Lessee (4) Lessor (5) None of these

14. Deposit insurance covers _______.
(1) Savings (2) Current (3) Term (4) All of the above (5) None of these

15. The person to whom payment is to go under a bill of exchange is called _______.
(1) Payee (2) Beneficiary (3) Either of the above (4) None of the above (5) None of these

16. The insurer makes a promise to ______ the insured in the event of the happening of the contingency insured against.
(1) inform (2) enrich (3) indemnify (4) honour (5) None of these

17. Uncertainty refers to a situation where an event ________.
(1) has already happened (2) will certainly happen (3) will certainly not happen
(4) may or may not happen (5) None of these

18. 7. Which city will host the 2015 European Games the inaugural edition of the European Games?
(1)Baku (2) Zurich (3) Danube (4) Paris (5) None of these

19. The “Brix Degree” is a unit for measuring _____?

(1)Surface Tension (2)Viscosity (3) Specific Gravity (4)Density (5) None of these

20. Narendra Modi will be sworn in as India’s _____ Prime Minister .

(1)13^th (2) 16^th (3) 12^th (4) 15^th (5) None of these

21. Ctrl, shift and alt are called __ keys.
(1) adjustment              (2) function     (3) modifier     (4) alphanumeric         (5) None of these

22. Memory unit is one part of __ .
(1) storage device of the computer system      (2) Central Processing Unit
(3) Input device                       (4) Output device         (5) None of these

23. An example of a telecommunications device is a
(1) keyboard    (2) mouse        (3) printer        (4) modem       (5) None of these

24. Which device is used as the standard pointing device in a Graphical User Environment?
(1) Keyboard   (2) Mouse        (3) Joystick      (4) Trackball                (5) None of these

25. Which of the following is not an output device?
(1) Plotter         (2) Printer        (3) Monitor      (4) Touch Screen         (5) None of these

26. Every component of your computer is either
(1) software or CPUIRAM                               (2) input devices or output devices
(3) application software or, system software   (4) hardware or software         (5) None of these

27. What is an E-mail attachment?
(1) A receipt sent by the recipient
(2) A separate document from another program sent along with an E-mail message
(3) A malicious parasite that feeds off your messages and destroys the contents
(4) A list of CC or BCC recipients
(5) None of these

28.What is correcting errors in a program called?'
(1) Interpreting             (2) Translating                (3) Debugging       (4) Compiling      (5) None of these

29. What is the main folder on a storage device called?
(1) Platform     (2) Interface     (3) Root directory        (4) Device driver         (5) None of these

30. floppy disk is otherwise called
(1) A Boot Record       (2) A optical disk         (3) diskette       (4) Winchester disk      (5) BIOS

31. The word FTP stands for—
(1) File Translate Protocol        (2) File Transit Protocol                       (3) File Typing Protocol
(4) File Transfer Protocol         (5) None of these

32. Protocol used for sending the email through______
(1) pop             (2) https           (3) smps           (4) smtp           (5) imap

33. …………….are used to identify a user who returns to a Website.
(1) Cookies      (2) Plug-ins      (3) Scripts        (4) ASPs          (5) None of these

34. A proxy server is used for the which of the following?
(1) To provide security against unauthorized users
(2) To process client requests for web pages
(3) To process client requests for database access
(4) To provide TCP/IP
(5) None of these

35. In the portion lebelled in the given web address http;//www.sbi.co.in is the—
(1) host                        (2) domain name         (3) protocol      (4) top-level domain    (5) None of these

36. Cross selling is very effective in the sale of one of the following

1) Debit cards 2) Credit cards 3) Internet banking 4) Auto loans 5) All of these

37. Cross selling means

1) one salesman selling to another salesman 2) selling across territories

3) selling across countries 4) selling additional products to existing customers
5) All of these

38. Target market for Debit Cards is

1) all existing account holders 2) all sales persons 3) all NRI’s 4) all HNI’s 5) All of these

39. Market Penetration can be possible through

1) more calls to the same buyers 2) more calls to many buyers 3) surrogate marketing
4) alternate marketing 5) All of these

40. Cross selling can be resorted to, by

1) all sales persons 2) all employees 3) all employers 4) outsourced agencies
5) all service providers

41. Market innovations means

1) design new products 2) new styles of marketing 3) new ideas in sales steps
4) Only (1) and (2) 5) All (1), (2) and (3)

42. Market penetration connotes

1) Covering a wide area of the Market for sales 2) Entering the buyers’ houses
3) Entering the sellers’ houses 4) Entering all shops and business houses
5) All of these

43. SME means

1) Small And Medium Enterprises 2) Small Marketing Enterprises
3) Small Scale Marketing Entities 4) Small And Medium Establishments
5) All of these

44. For successful marketing

1) Only the sales person sells 2) Only finance Department-sells

3) Only front office persons sell 4) Only back office persons sell
5) The whole organisation sells

45. Savings Accounts with zero balance can be opened for

1) persons below BPL 2) under Financial Inclusion scheme 3) students
4) as per Bank’s Policies 5) None of these

46. means service rendered by

1) outside agencies 2) other departments of the company
3) employees, other than the sales persons 4) marketing department 5) All of these

47. In modern day marketing, the benefits of selling extend to

1) Only products and services 2) Only after sales services
3) Lifelong relationship with the buyer 4) All of these 5) None of these

48. One of the following is not a target group of SME….

1) all professionals 2) large industries 3) truck operators
4) beauty parlors 5) hotel & restaurants

49. The performance of a sales person can be enhance by

1) Increase the sales incentive 2) Increase the number of sales product to be sold

3) Appropriate training 4) all of these 5) None of these

50. Team building is required

1) only for lead generation 2) only for after sales service 3) for cross selling
4) All of these 5) None of these

ANSWERS

1-3	6-2	11-4	16-3	21-3	26-4	31-4	36-5	41-5	46-1
2-3	7-5	12-4	17-4	22-1	27-2	32-2	37-4	42-1	47-3
3-1	8-3	13-4	18-1	23-4	28-3	33-1	38-1	43-1	48-2
4-1	9-1	14-4	19-3	24-2	29-3	34-2	39-2	44-5	49-4
5-2	10-2	15-3	20-5	25-4	30-3	35-2	40-2	45-1	50-3

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