...

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Country I Capital I Currency

• Country : Bangladesh
-BANKING·
• Capital : Dhaka
• Currency: Taka
BASIC CIRCLE
Vciranda izAce, Area I Volume I VTA/KYC/BN
S. The ratio of length to breadth of· a 10. If the sides of an equilateral triangle are
Area
rectangle. ls 3:2. If the breadth is 30 cm decre,ased by 87.5%, then find the
1• H'ow many revolutions will a whe~I
less than the length, then find t~e area perceqtage of change in its area
make while travelling 11 km (radius of 2
of the rectangle (in cm ). (approximately).
wheel = (7/4) m)? (a) 2200 (a) 96%
(a) 500 (b) 3000. (b) 98%
(b) 1000 (c) 5400 (c) 100%
(c) 1500 (d) 2500
(d) No change
(d) 2000 (e) None
(e) None
(e) None of these 6. If the length of a rectangle increases by
11. If the le~gth of the diagonal of a square
50% and the breadth becomes one-
• 2. A girl walks diagonally across a square of side 3729 m is increased by 1~, find
fourth,. find the percentage of change in
plot whose side is 10 m. Find the the percentage of change in its area.
area of the rectangle.
approximate percentage of distance (a) 12.5%
(a) 12.5%
saved by her by not walking along the (b) 20%
(b) 30%
sides of the square. (c) 24%
(c) 54%
(a) 50% (d) 21%
(d) 25%
(b) -10% (e) Cannot be determined
(e) None.
(c) 15%
7.. If the rength ~f one diagonal of a 12. If the circomference of a circle is
(d) 20%
r~ombus is increas~d by 28.57% ~nd the incre~sed by 20%, find the percentage
(e) 30%
other is decr!ased by 12.5%,_ then find of change in its diameter.
3. Dimensions of a. rectangular park are 60 , the perce~tage of change in its area. (a) 10%
m x 40 m. It has two paths of same (a) 12.5%. (b) 20%
width running in middle of the park, one (b) 30% (c) 25%
is parallel to length . and the other (c).54%
, (d) 51%
parallel to breadth. Find the width of (d) 25% (e) CND
the paths if the remaining area of the (e) None
13. If the perimeter of a rectangle is
park other than these two paths is 2109 8. If the [Link] a circle is decreased by
decreased by 37.5%; find the •
m2. 57.14%, find the percentag~ of change
percentage of change in its area.
(a) S in_ its area.
(a) 37.5%
(b) 3 (a) 81.63%
(b) 50%
(c) 4.5 (b)-S0.63%
(c) 54%
(d) 7.2 (c) 82.63%
(d) CND
(e) None (d) 50%
(e) None
(e) None '
4. What is the time taken by a man to run
14. If the area of an equilateral triangle is
9. If the base of a parallelogram is
SO rounds around a circular track of fi'nd the
decreased by 22.56%,
increased by 22.22% and its height
radiu's 21 m with speed 18 km/hr?
remains same, find the percentage of percentage of change in its perimeter.
(a) 22 minutes
change in its area. (a) 12%
(b) 30 minutes
(a) No change • (b) 77.44%
(c) 35 minutes
(b) 2_2.22% (c) 44%
(d) 25 minutes
(c) 11.11% (d) CND
(e) None
(d) ~3.33% (e) None
(e) None

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Vcir!Jnda l. RACE:
. . BANKING BASIC CIRCLE - w, -~ ,_- ~-· ~ • .. ,

(d}'172 m2 21. (a) 22. (b) 23. (c) 24. (c) 25. (b)
lb) 25%
(e) 186 m2
(c) 9..!..%
11 26. (a) 27. (a) 28. (a) •29. (c) 30. (b)
31. If a wheel covers a distance of 1760 min.
(d) 2. % 31. (b) 32. (d) 33. (e) 34. (c) 35. (b)
23
10 rotations, then the radius of the
(e) it!%
wheel Is ([Link] rr = 22/7) 9 36. (a) 37. (b) 38. (b) 39. (a) 40. (d)

.(a) 35 m • 37. The circumference of a clrcuiar field is

(b) 28 m 1/2 times of the perimeter ~f a
(c) 14 m rectangular field. The area of the circle Volumes
2
(d) 7 m Is 5544 m What is the length ~f the
•
Mensuration
(e) 21 m rectangular field If the breadth of the
Problems: • •
rectangular field is 120 meters?
32. The'diameter of a ci~cle and the length 1. The volumes of a sphere and a cylinder
(a) 140 m
of
. a. rectangle 'is. in the ratio of 3:4, are in the ratio 1:6. Find the ratio of the.
(b) 144 m
whereas the breadth~of the rectangle total surface area (TSA) of the cylinder
(c) 150 m .
and the radius of the circle is in the ;atio
of 2:1. The circumference of the circle is
(d) 128 m . and the sphere? (Radius of the sphere=

(e) 148 m radius of the-cylinder) -

66 cm. Find the area of the rectangle (a)-1:6
38. Find the area an isosceles triangle, if the ...
(a) 548 cm2 .-(b) 2:9
(b) 568 cm 2 lengths of its equal sides and the base
. (c) 9:2
(c) 528 cm2 : are 20 cm an~ 24 cm, respectively_-
(d) ~:1
• (d) 588 cm 2 (a) 100 cm2 •
(~) 1:9 ..I
(e) 508 cm2 • (b) 192 cm 2
' . 2. Find the volume •of· a right. circular
33. The lengths of th~ sides of a triangl~ are (c) 164 cm2- , •.
cylinder whose height is 20 cm and the
16· cm, i4 cm and 18 cm. Its area is .-(d) 188 cm2 ' .
circumference of its base is 132 cm
(a) 42v5 cm2 •• (e)148c~ 2 _\-~.,~--: ,::. :~.: '< ·_.
(b) 36v5 cm2 . .... (~:: ', . ' • (a) 27,920 ~m 3
-39. The. area _of an equilateral triangle is (b) 27,720 cm3
(c) GOVS cm2
324~3--m2• Then, what will be· its •. (c) 29,720 cm3
(d) 78v5 cm 2
perfnieter? . (d) 22,720 cm3
(e) 48v5 cm2 • ;
(a) io8 m . · • · , : (e) 22,920 cm3
34: If the base of a triangle .is increased by (b) 1~0 m~' , . : •
3. Find the ~ase area of the cuboid whose
20% while- its ·area remains the same, (c) i25 m .. • • . . .
yolume and height are 24,389 rr:t3 ~nd 29
what will be its corresponding decrease· (d) 112 m
~
m, .respectively.
in h_eight? (e) 140 m.
(a) 33.33% . .
40. The r~dius of a circ_le is 15.4 cm. Then,
. (a) 941 m2
(b) 851 m2
(b) 12.5% .
. •(c) 16.67%
- its area will be (c)821 m 2

2
(a) [Link] (d) 841 m2
(d) 25% • 2
I . (b) 916.36 cm (e) 861 m2 •
(e) 1i 1/9%' 2
. . (c) 204.36 cm
4. There are two cylinders whose radii are
35. The lengths of the sides_ of a triangl~ are (d) 14s.36 ,m 2
in the ratio 2:3, whereas_ th~ heights of
13 cm, 15 cm ani:I 22 cm. Its area is 2
(e) 819.36 cm
!he cylinders are in the ratio S:_7. Then
(a) 12v1Q cm2
2 the volumes of the two cylinders will be
(b) 30V10 cm
in the ratio of .
(c) 48'1/10 cm2 ,

2
Answer Key. (a) 20:63.
(d) 78v10 cm
(b) 10:21
(e) 42v10 cm2 1. (b) ·2. (e) 3. (b) ~4. (a) 5. (c)
(c) 15:14
36. _If the height of a triang~e is increased by 6. (e) 7. (a) 8. (a) 9. (b) 10. (b) J.
(d) 30:~9
25% while its ai:ea remains the same,
11. (d) 12, (b) 13. (d) 14. (a) 15.,(b) ('e) 10_:63
what will be its corresponding decrease
17, (c) 18'. (e) 19. (a) 29. (e) 5. The volume of a cylinder whose [Link]
jn base?- 16. (c)
'
.(a) 20% ------- - is 28 QTl is equal to that of a cube whose

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Vdranda I~Ace~·,. BANKING BASIC CIRCLE

.- .. ,

an investment vehicle that allows Investors Demat account and Tra,de account_
to put their idle [Link] Into and turn It Into
_VTA/KYC/BN Demat account Is an [Link] to hold
guaranteed returns. Tenure Is from 7 days to
Demand deposits financial securitie~ in electronic form. Trade.
10 years. Minimum amount is 1000 rupees.
account is an account use~ to co~duct stock
Minimum amount of recurring deposit Is
De~and deposits are deposits that are trading activities. •
1000 rupees. Tenure is 6 months to 10
repay~ble to depositors on demand.
years. •
Current account depos,·t and, savings
• Nostro Account •

account [Link] come under •demand NRI accounts Nostro a_ccount is an a·ccount ~hat a
deposits.
•NRE (Non-Resident .External) account, . domestic bank holds in a foreign currency in

NRO (Non-Residen~ ~rdiliary) account and. a foreign bank.

Current account
I FCNR (Foreign· Currency Non-Resident)
Vostro account ' -
A current account deposit is opened by account can be opened by an NRI. •
• b~siness perso~s. Current account include~ Vostro account Is an account that is held
f~atures such as no restrictions on number NROaccount
by a foreign bank wit~ a domesti_c bank in
and amount of deposits, no restrictions on NRO account i~ opened by an NRI to domestic currency.
withdrawals·- .and n~ interest is r:,aid on deposit his/her [Link] originate from •
. current deposits.
India. NRO account is maintained in Indian
. . ' . LORO account
rupee. Both principal and interest earned
Savi~gs account •
from this ~ccou'nt is taxable beca'~se the ••When .a ban~ remits its foreign currency
Savings account is opene·d by individuals fund is originated in l11dia. Types of accounts fund to a foreign bank for •credit to ·an
. . -:· . . ~
. .
and non-profit-making organisations. opened under NRO account are savings, account of a third bank it is called LORO
••. . I g . '• ,.'.
. Feat~res of savings acc~unt d~posits such as ·current and fixed deposits. There is no risk • account.
f ' 1~~-t,; u ~-· : ' ·~ .... .;' /~ -.,4 -'",.., .
withdraw~ls are . subject •• to . certain •• of effect of exchahgerate. Joint account can
t:~- ..,.< _., ..
restrictions - it earns interest but less than
• •

. be opened: • ; :.:;_ ,.
··,(,.; • , i , -..1.,

" . Escrow account

,, ,.... ·-<•. \
' #.. • • .!' •.. -;'.. ~:- ·,: .:';'
fixed deposits. . .
NRE ~c~~unt. • • ;_(:' Esc;o~ a~c~unt i~ a third party account
.,, ... .: ;_:c -~v , ., . where _funds_ are.- kept before they are
CASA ratio
'
•• NRE account .is
•
o~;n~i: by:. an NRI .to
, ~--- : ;_-';__)
transferred-to .the ultimate party. Value is
CASA (Current Account and Savings deposit his/her [Link] originate from .
., ...,. held , until t~~ fulfilment of specific·
Account) ratio is_ defined as the ratio of that, individuai•i\ou~t~;of residence. NRE • conditions of the transactions.
. . . • • _; ...' • _r·.. .
deposits in th~ current and_ savings accounts • account is maintained in Indian rupee. Both I

of a bank to the total deposits of the bank. .principal and interest ·earned are exempted Exchange Earners For~ign Currency
.. .
• ·1f the Ifth~ CASA ratio is -high, then ~ large from··· tax in NRE _account becaus·e NRl's Account
portion· ~f the deposits must have· ~ome residence country •will levy. tax ori the
Exchange·. Earners Foreign ·_Currency
from current and savings deposits. earning. If indi~ also [Link] on _it, [Link] it
' .. '•
. ----
Account (EEFC) is an account maintained in
wiil be dou~le taxation. Types of actounts '
Net Interest Margin r f~re~gn currency with an authorised d~aler
opened under NRE account are savings,
. current and fi~ed deposfrs. .•
•Category-I bank. It is afacility provided to
·Net Interest Margin (NIM) is defined as the foreign exchange earners, including
I .

the measure of the difference· between the exporters, to credit· 100 ·per cent of. their
FCNR acco_unt
, . ' .
interest income earned by a bank or other foreign exchange earnings to the account.
financial institutio11 -and the interest it pays An NRI can open an· FCNR account to Account holders .do not have to .convert
.....
out to its lenders (depositors), relative to depos_it_ , his/her earnings _from • that foreign exchange i~to rupees and vice versa, ••
the amount of • individual'~ residentiat cou_ntry. FCNR
. their .assets that earn thereby_ minimising the transaction· costs.
.interest. a~couiit' is m_aintained in any permitted . Eligible to open EEFC account are individuals
. . . \ • .
currency. Interest is exempted from tax.. and compan!es. [Link] open. an EEFC
Term deposits only. fix_ed, depos~t is available in· FCNR _. account.
. . .. account.
Fixed deposit and recurring deposit
• come under term deposits. Fixed deposit is. '- ~

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vct,anda nAce-- . I BANKING BASIC CIRCLE ............~ . , . . " " ; : - ' I ~ , , .

are major two types of risks. They are Reputational ,risk (d) 1930
systematic risk and unsystematic risk. (e) None of these
Reputational risk denotes the public loss
Systematic risk 8. Basel 1. was introduced in which year7
of confidence In a bank due to a negative
(a) 1998
•perception ot image. Reputational value is
Systematic risk Is a risk that affects the (b) 1988
- often measured in terms of brand value.
(c) 1978
. entire ·market or part of the market. It
' (d) 2000
affects a large volume of assets.
(e) 1999 .
Question .
Unsystematic risk 9. As per Basel-I, what percentage _was the
1. Basel norms are issu~d by whom? capital adequacy ratio?
• Unsystematic ·risk is a risk that affects a (a) World Bank
(a) 6
.
very small number of. assets. Other types
•
of
risks are liquidity risk, interest ·rate risk,
(b) IMF
(c) WTO
(b)7
(c) 9
market risk, credit risk, operational risk and (d)_BC8S (d) 11
reputational risk. (e) None of these_ • ~

(e) 8
2. BCBS was formed:in which year? • 10. In CAR, what does Rstand for?
Liquidity risk
(a) 1975
(a) Reconstruction
Liquidity risk oc;curs when • a bank is (b) 1974
(b~ Ratio
unable to finance its day-to-day operations. (c) 1969 '(c) Reverse
Liquidity risk· arises mainly when ~ bank' (d) 19i6 0

i. (d) Rapid
follows funding of long-term assets by short . (e) None of these •• (e) Rational '-

time liabilities. 3. In BCBS, what does Sstand for?

. • ' ~ 11. Which tier of capital is cailed
(a) Supervision supplementary capital?·
. .·Interest rate risk • \ t I

(b) Superior • ,I:, t

"j ; \ •• (a) ner 1 -
Interest rate risk arises due to movement (c) Structure·.
• ~
1,
;.·,
: .,'.
• (b) Tier 2 •
ii') interest rat~. Interest rate_ risk is mostly· (d~-Su"'.~~e· • ~ •. (cl Tier 3 -•
{e) .None ofthese • . (d) Reserve capital
associated with fixed-income assets. ; >' •

4. BCBS se~retariat is '1ocated in • (e) None of these •

• C,

Market risk •. (a) Brazil

12. Basel-II was introduced in which year?·
(~) Belgium ·: •• , ,.
Market risk· arises due to unfavourable • (a) 2002
. (c)'Basel
movement . in. •. market prices •in the (b) 2003
• (d) Benin
investment _done by bank. (c) 2000
(e) None of these
(d) 2004_
•Creditrisk 5. [Link], what does Sstand_ for? . • (e) 2008
(a) Superior .
13. Which ·among the following are
• Credit risk, also known as default risk, is •• (b) Supervision . .
parameters of Basel-II?
the potential _of the borrower to fail to meet (c) Settlement
(a) Minimum capital requirement
the. obligation in accordance with the (d) Structure ..
' . (bl Regulatory supervision
agreed terms. (e) Nqneofthese
(_c) Market discipline •
·.6. BIS is located in- (d) All of the [Link]
Operational risk ..
(a) Basel (e) None of the above
Operational risk is defined as the risk of (b) Belgi11m
14. Basel-II divides capital of bank into how
loss resulting from inadequate or failed (c) Benin •
many types?
(d) Bangladesh
internal process, people and syst~ms or (a) 4
(e) None of these
from external events. Oper;itional risk arises (b) 3
due to bad intentions of staff, hacking of 7. BIS was established in which year? (c) 5
• systems, etc. - (a) 1920 (d) 2
(b) 1940 (e) None of these
(c) 1953
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. V<iranda ITIACG·
15. Basel Ill was Introduced in which year?
(a) 2005
-- ----------- -----#-~-· ·---
22. Potential of a bank borrower to fail to
meet the obligation Is called
28. Which of the following types of
ac~ounts can an NRI open?
(al NRE account
(b) 2009 (a) liquidity risk
(c) 2006 (bl NRO account

(d) 2007
• (bl Market risk
(cl FCNR account
I
(cl Interest rate risk.
(e) None of these (dl Credit risk (dl All of the above

(el None of these - (el None of the above

16. In LCR, what does Rstand for?
(a) Remittance
. 29. What is the minimum t~nure in' fixed
23. ~isk arises due to failure of systems an~
(bl Ratio bad intention of staff is call~d deposit?
(cl Rapid (al Operational risk (a) 6 days
(dl Ratify (b) Market risk (bl 5 days
(el Rational (c) Interest rate risk (cl 4 days

(dl Credit risk (dl 7 days

' 17• In N~FR, what d~es Sstand ~or?
(e) None of these (el None of these
(a)"Stable
(bl Structured 24. Risk arises due to public loss of 30. Whi~h of the following conditions is/are
(c) Supervision confidence in bank is called related to NRO account?
(d) Standard (al Currency denomination should be
(a) Reputational risk
(e) None ofth_ese (b) pperational risk Indian rupee
18. Risk that affects the entire market Is (c) Credit risk (b) Both principal and interest earned
(d) Market risk
. called are taxable
(e) None oftliese
(a) Systematic risk. - (c) Sa~ings, current and fixed deposit
(b) Unsystematic risk 25. Which -of . the . follo~ing are can be op_ened
(c) Credit risk
characteristics ·of current account (d) All of the above
... ·( '
. deposit? .. • ·-:-Jo: • • ·, (e) None of the above
. ld\ svstem r'5\l •
(a)"Open~d by business pers~ns
le\ None of these
Answer Key
, (b) No restriction on w\thdra~al
19. Risk arises due to fail_ in financing day-
(c) No interest is paid on -current
1. (dl 2. (b) 3. (al 4. (c) 5. (c)
to-day activities is called
dep~sits
(a) Liquidity risk 6- (a) 7. (di 8. (bl 9. (el 10. (bl
(d) All of the above
(b) Market risk ' il. (b) 12. (dl
(e) Non"e of the above : 13. (dl 14. (bl 15. (bl
(c) Interest rate risk l

26. Which of • the following are 16. (bl 17. (al 18. (a) 1~. (al 20. (c)
(d) Credit risk·
characteristics of savings account·
(e) None of these 21. (cl 22. (d) 23. (a) 24. (a) 25. (d)
deposit?
2Q. Risk arises due to rapid movement in 26. (d) 27. (bl 28. (d) 29. (d) 30. (d)
(a) [Link] indi~idual •
interest rate is called '
(I (b) Withdrawal is subj_ect to certain
(a) Liquidity risk
restrictions·
(b.l Market risk
(c) There is no rest(iction on the number
. (c) Interest rate ~isk
of deposits •
(d) Credit risk
(d) All .of the above
(e) None of these
• (e) None of the ~bove
21. Risk arise$ due -to •unfavourable
27. R~tio of deposits in the current and
movement in market price in the
saving~ accounts of [Link] to t_he totai
investment done by bank?
(a) Credit risk deposits of the bank is called
/
(al CRR
(b) Interest rate risk
, (bl CASA ratio
(c) Market risk
(cl SLR
(d) Liquidity risk
(di NSFR
·re) None of these
• (el None of these

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