WEBCSC Banking Awareness Question Papers for West Bengal Co-operative Service Commission Examination
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WEBCSC Banking Awareness Model Question Papers
1. Relationship between performance of agriculture and rural poverty was first demonstrated by
a) Dr. M.S. Swaminathan
b) Dr. M.S Ahluwalia
c) Dr. MLS. Gill
d) None of the above
2. Micro credit operation is believed to support poverty elevation initiatives through:
a) Improving purchasing power of poor
b) Cultivating savings habit among poor people
c) Empowering poor people to participate in production function
d) None of the above
3. PURA model is precisely :
a) A development hypothesis
b) An economic development scheme
c) A rural development model
d) None of the above
4. Integration of Biological and ecological process is the major principles of:
a) Sustainable development
b) Poverty eradication
c) Economic growth
d) None of the above
5. Growth in per capita income of a country is the indicator of
a) Economic development
b) Economic growth
c) Increase in Purchasing Power Parity
d) None of the above
6. A bank as a business entity falling within the category of:
a) A service sector industry
b) A business organization with multifaceted role
c) An institution empowered by the Govt. to hold public deposit and carry on credit business
d) A financial institution
7. Major forms of rural credit classified on the basis of period are:
a) Two
b) Three
c) Five
d) Many
8. Loan provided to a farmer by a bank against pledge of cold store bond should be categorized as
a) Consumption loan
b) Agricultural marketing credit
c) Crop loan
d) None of the above
9. Which one of the following is an example of Non-Fund based credit?
a) Temporary loan against FDR
b) Bank guarantee limit
c) Cash credit limit
d) None of the above
10. Which one of the followings is one of the major characteristics of a good credit?
a) Repayable within 3 to 5 years
b) Borrower is well known
c) The credit is purpose specific
d) Credit is secured by a security valued at 150% of the loan
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11. Authorities of Reserve Bank of India with regards to transactions in foreign exchange is described in sec ________ of RBI Act. 1934
a) 17
b) 40
c) 41
d) None of the above
12. Role of State Level Bankers’ Committee is:
a) Coordinating operations of different banks operating in a state
b) Issuing license for opening of bank and its branch
c) Spokesman of bankers
d) None of the above
13. Business transferred from RBI to NABARD is described in sec _________ of NABARD Act 1981
a) 18
b) 35
c) 60
d) 42 to 44
14. Which one of the followings is not a function of Reserve bank of India?
a) Issuing bank notes
b) Lender of the last resort for banks
c) Borrowing from World Bank for government projects.
d) Custodian of foreign exchange
15. Operations of all banks including cooperative banks are governed by RBI under the provision of
a) RBI Act 1934
b) Banking Regulations Act 1949
c) Banking Corporations Act 1990
d) All of the above
16. Which of the following services a bank cannot provide?
a) Issuing guarantee against any promise of payment
b) Safe custody of valuable articles
c) Transfer of fund across any geographical area
d) Reaching valuable documents of any customer from one place to another
17. What is meant by the term Liability-Asset transformation
a) Liabilities of a business organization are transformed into assets after taking loan from bank.
b) Banks take assets of borrowers and thus increase its assets
c) By lending a bank converts its assets into liabilities as the bank ventures risk
d) Through lending a bank converts its financial liabilities (deposit) into financial assets (advance)
18. Which one of the following products of a bank is by nature different from others?
a) Agricultural Credit Limit
b) Cash Credit Limit
c) Personal Loan Limit
d) Bank Guarantee Limit
19. Millennium Development Goals (MDG) (2000) were adopted by:
a) General Assembly of United Nations
b) The World Bank
c) Asian Development Bank
d) Planning Commission of India
20. Which of the following activities is not considered as Agri-allied activity for a bank loan?
a) Rearing of poultry birds
b) Fishery
c) Medicinal Plant Cultivation
d) Cattle rearing
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21. Cooperative banks are established under the provision of
a) Banking Regulations Act 1949
b) Cooperative Societies Act of respective states
c) NABARD Act 1981
d) Banking Corporations Act 1990
22. Total Financial Inclusion Program of Govt. of India aims at:
a) Creating a branch of a nationalized bank at each village
b) Bringing 100% people under banking system
c) Giving loan to every farmer and rural entrepreneur
d) None of the above
23. Which of the followings is not a contract?
a) An agreement to sale a plot of land
b) An agreement of supply and purchase
c) A loan agreement between borrower and a bank
d) A written commitment of unconditional donation
24. Which one of the national level organizations involved in cooperative movement is not a cooperative?
a) NAFED
b) TRIFED
c) NCDC
d) All are cooperatives
25. Why Rochdale Equitable pioneers are famous worldwide?
a) They are the innovators of handloom
b) They are first cooperators in the world
c) They documented exploitation of workers by mill owners
d) They formed the first cooperative society of weavers
26. In which of the following business organization liabilities of the owners is unlimited?
a) A private limited company under Companies Act 1956
b) A Cooperative Society under WBCS Act 2006
c) A Public Limited Company under Companies Act 1956
d) A Partnership Firm under Indian Partnership Act 1932
27. Agricultural Technology Management Agency (ATMA) is mandated for agricultural development through:
a) Infrastructure development
b) Development of marketing system
c) Innovation of new technology
d) Reforming and reorienting agricultural extension
28. Which of the following abbreviated names of cooperative societies indicate that it is in the tribal area?
a) PACS
b) PAMS
c) LAMPS
d) ECCS
29. Opportunity cost of capital, an important parameter in project economics is:
a) Average cost incurred to resource capital for the project
b) Money value that is likely to reduce during the period from investment to pay back
c) Earnings that could have been obtained from foregone options
d) None of the above
30. By definition a project is a temporary endeavourer towards creation of a unique product or service. What is meant by temporary here?
a) The project result would not sustain for ever
b) The project has a definite closing date
c) The bank loan must be repaid in time
d) All of the above
31. Which of the following loans can be considered as agricultural loan doubtlessly?
a) Loan against fixed deposit receipt
b) Loan against landed property
c) Loan against warehouse or Cold Store Bond
d) Loan against valuables e.g. Ornaments etc.
32. Loan asked for cultivation of floricultural crops should be categorized as
a) Short term crop loan
b) Medium term horticulture loan
c) Long term loan
d) It would depend upon projected return
33. Most important managerial skill of a retail banker is:
a) Conceptual skill
b) Human skill
c) Technical skill
d) None of the above
34. Latest version of West Bengal Cooperative Societies Act is:
a) WBCS Act 1983
b) WBCS Act 2006
c) WBCS Act 2009
d) WBCS Act 2011
35. Horticultural produces are processed to:
a) Enhancing shelf life of the produce
b) Preserving food value of the produce with altered physical and chemical properties
c) Adding value on the produce
d) None of the above is correct
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36. What are the prime areas where cooperation has a role for benefit of urban population?
a) Loan at reasonable rate of interest for low income groups
b) Micro finance to poor section
c) Supply of quality consumables at reasonable cost
d) All of the above
37. Kissan Credit Card allows a limit to a farmer little more than the estimated crop loan amount; why?
a) To accommodate contingency requirement of the farmer up to certain limit
b) To allow farmer to experiment on new technology
c) To accommodate price escalation of inputs
d) The statement given is not true
38. SARFAESI Act has been framed to:
a) Strengthen recovery mechanism
b) Easing disposal of mortgaged assets to recover bad debts by banks
c) To reduce NPA of Banks
d) None of the above
39. Cooperative credit structure in West Bengal is:
a) Two tire system
b) Three tire system
c) Multi tire system
d) Centralized system
40. A farmer enjoys credit on purchase of input from input dealers. But this is not considered as agricultural credit because:
a) It bears no interest
b) It is not available to all and not guided by any rule or norm
c) The credit is given by the trader to increase his sale of tradable inputs. Not to financially support the farmer
d) None of the above
41. Ideal management approach of a modern bank is:
a) Scientific approach
b) Human relation approach
c) System approach
d) Bureaucratic approach
42. What is meant by “Limited Liability’?
a) limited to the extent of its Paid Up capital
b) That the liability of the organization is limited to the extent of its Net Worth
c) That liability of its share holders is limited to the face value of shares held
d) None of the above
43. Management structure of cooperative credit system in West Bengal is:
a) Centralized structure
b) Decentralized structure
c) A judicious mixture of centralization in a federal manner
d) None of the above
44. Which one of the following is not eligible for a term loan by a bank?
a) Establishing a cold store
b) Establishment of agricultural input shop
c) Purchase of agricultural land
d) Purchase of tractor
45. Tangible Net worth of a business organization is actually:
a) Sum of Paid up Share Capital and Reserve and Surplus
b) Sum of Paid Up Capital and Reserve and Surplus Minus Intangible Assets
c) Paid Up Capital Plus Accumulated Profit (Loss)
46. Which one of the following is not an approved source of fund for a cooperative society?
a) Share Capital
b) Undisbursed Profit
c) Public Deposit
d) Loan from Public Financial Institutions
47. Which one of the following is a dependable indicator of soil health of an agricultural holding
a) NPK Status
b) Level of Organic Carbon
c) Soil pH
d) Electrical Conductivity
48. Which one of the following is not a cause but a consequence of Globalization?
a) Deregulation abroad
b) Integration of Markets
c) Technology and know-how
d) Greater Risk Exposure
49. Bangiya Gramin Bikash Bank is a
a) Cooperative Bank
b) Commercial Bank
c) Regional Rural Bank
d) Fully owned unit of NABARD
50. “Threshold Yield” is a term associated with
a) Assessment of Crop Loan Need
b) Measurement of Soil Fertility
c) Agricultural Insurance
d) Yield Forecasting
51. The barriers that can prevent small farmers in many nations from participating in the green revolution include
a) Money for investment
b) Education
c) Small size of farms
d) All the above
52. Constitution of Small Farmers’ Agri-business Consortium (SFAC) is
a) Accompany under Companies Act 1956
b) A Societies under Societies Registration Act 1860
c) A department under Ministry of Agri. & Coop.
d) A Cooperative Society
53. Which one of the following central govt. schemes is not a credit linked subsidy scheme:
a) National Rural Employment Guarantee Scheme
b) National Rural Employment Generation Programme of K VIC
c) Gram Bhandaran Yojana
d) All of the Above
54. Incidence of rural poverty has strongest correlation with
a) Population growth
b) Performance of Agriculture
c) Fertility of land
d) Agricultural Credit
55. Self Help Group Movement is primarily aimed at:
a) Poverty Elevation
b) Eradication of Social Evils
c) Empowerment of Women
d) Promotion of Rural Artisans
56. Credit operation of different banks operating in a state is coordinated by:
a) Regional office of RBI/NABARD
b) State Government
c) State Level Bankers’ Committee
d) Indian Banks association
57. Exports and Imports come under the purview of:
a) Ministry of Finance
b) Ministry of Commerce
c) Ministry of External Affairs
d) Ministry of Home Affairs
58. First Governor of RBI was
a) Hilton Young
b) Paul Samuelson
c) C.D. Deskmukh
d) O.A.Smith
59. Paper currencies of our country are issued by Reserve Bank of India under:
a) Section- 22 of the RBI act -1934
b) Section- 24 of the RBI act -1934
c) Section- 28 of the RBI act -1934
d) None of the above
60. Which one of the following products of a bank is by nature different from others?
a) Agricultural Credit Limit
b) Cash Credit Limit
c) Personal Loan Limit
d) Bank Guarantee Limit
61. “Basel Committee on Banking Supervision” is also known as:
a) Thomas Cook Committee
b) BIS Committee
c) Bank for International Settlements Committee
d) Peter Cooke Committee
62. Which one of the followings is not a function of Reserve bank of India?
a) Issuing Bank notes
b) Lender of the last resort for banks
c) Borrowing from World Bank for government projects
d) Custodian of foreign exchange
63. In which of the following banks one can’t Open a personal account —
a) Co-Operative Banks
b) Commercial banks
c) Regional Rural Banks
d) RBI
64. Mutual Benefit Finance Company is by constitution
a) A banking organization within the meaning of B.R. Act 1934
b) A company under Companies Act 1956 and notified u/s 620A of the said act
c) An Association of Individuals without definite statutory regulation
d) All of the above
65. Which of the following statements best defines “Variable Cost”
a) Cost of operation
b) Cost that varies with time
c) Cost that is directly proportional to the scale of operation
d) None of the above is best
66. Out of three different business options the best option on the basis of profitability is to be selected. Most reliable indicator to that is
a) Internal Rate of Return
b) Average profitability of five operational years
c) Debt Service Coverage Ratio
d) All of the above
67. Working capital adequacy of a business organization is best indicated by its:
a) Net Worth
b) Current Ratio
c) Fixed Assets value
d) Total cash credit limit available
68. A business organization involved in trading of agricultural input, wants financial assistance for expansion of business. What sort of financial assistance is likely to be most helpful for the endeavor?
a) Term loan for infrastructure
b) Cash credit loan
c) Bank guarantee limit
d) All of the above
69. Integration of biological and ecological process in agriculture is one of the key principles of
a) Organic agriculture
b) Sustainable agriculture
c) Livelihood development initiative
d) None of the above
70. Which of the following organization is different from others
a) Cooperative Bank
b) Commercial Bank
c) Regional Rural Ban
d) National Bank for Agriculture and Rural Development
71. Earnings that could have been obtained from foregone options of an investment is best defined as
a) Interest Rate
b) Opportunity Cost of Capital
c) Profitability Ration
d) None of the above
72. Bangiya Gramin Bikash Bank is a
a) Cooperative Bank
b) Commercial Bank
c) Regional Rural Bank
d) Fully owned unit of NABARD
73. Estimation of social and natural resources is the most important exercise in development planning at village level. Which of the followings is most effective and economic method for the same?
a) Analysis of official data
b) House hold survey
c) Participatory rural appraisal
d) Interview of opinion leaders and elected representatives
74. Which one of the national level organization involved in cooperative movement is not a cooperative?
a) NAFED
b) TRIFED
c) NCDC
d) All are cooperatives
75. Management approach of a modern bank is:
a) Scientific approach
b) Human relation approach
c) System approach
d) Bureaucratic approach
76. Most important skill of the manager of a retail bank is:
a) Conceptual Skill
b) Technical Skill
c) Human Skill
d) None of the above
77. Loan to farmer against pledge of cold store bond is by nature :
a) Agricultural Production Credit
b) Agricultural Marketing Credit
c) Consumption Loan
d) None of the Above
78. Which of the following abbreviated names of cooperative societies indicate that it is in the tribal area?
a) PACS
b) PAMS
c) LAMPS
d) ECCS
79. What are the prime areas’ where cooperation has a role for benefit of urban population?
a) Loan at reasonable rate of interest for low income groups
b) Micro finance to poor section
c) Supply of quality consumables at reasonable cost
d) All of the above
80. IMF was formed in the year:
a) 1942
b) 1944
c) 1945
d) 1943
81. Cooperative credit structure in West Bengal is:
a) Two tire system
b) Three tier system
c) Multi tier system
d) Centralized system
82. Why Rochdale Equitable pioneers are famous worldwide?
a) They are the innovators of handloom
b) They are first cooperators in the world
c) They documented exploitation of workers by mill owners
d) They formed the first cooperative society of weavers
83. “Though most of the economic development programmes in rural areas have been transferred to PR institutions, head of the district administration (DM/DC) still has some role …” The role is mainly
a) Planning
b) Financial Management
c) Coordinating and Controlling
d) All of the above
84. Which one of the following is most important for improving efficiency of agricultural marketing system?
a) Warehousing facility
b) Transport facility
c) Warehousing facility along with produce pledge loan
d) None of the above
85. Apex Cooperative Banks in different states were formed under:
a) Banking Regulation Act 1949
b) Banking Companies Act 1949
c) Cooperative Societies Act of respective state
d) Multistate Cooperative Societies act
86. Most important facility required for improving cropping intensity is:
a) Irrigation
b) Fertilizer
c) High Yielding Variety
d) Farm Machinery
87. What is meant by “Limited Liability”?
a) That the liability of the organization is limited to the extent of its Paid Up capital
b) That the liability of the organization is limited to the extent of its Net Worth
c) That liability of its share holders is limited to the face value of shares held
d) None of the above
88. Tangible Net worth of a business organization is actually:
a) Sum of Paid up Share Capital and Reserve and Surplus
b) Sum of Paid Up Capital and Reserve and Surplus Minus Intangible Assets
c) Paid Up Capital Plus Accumulated Profit (Loss)
d) Only Paid Up Capital
89. Which one of the following is not an approved source of fund for a cooperative society?
a) Share Capital
b) Undisbursed Profit
c) Public Deposit
d) Loan from Public Financial Institutions
90. PURA model is precisely:
a) A development hypothesis
b) An economic development scheme
c) Aural development model
d) None of the above
91. Which one of the followings is not a project viability parameter?
a) Investment- turnover ratio
b) Break Even Point
c) Internal Rate of Return
d) Debt service coverage ratio
92. Total Financial Inclusion Program of Govt. of India aims at:
a) Creating a branch of a nationalized bank at each village
b) Bringing 100% people under banking system
c) Giving loan to every farmer and rural entrepreneur
d) None of the above
93. Which one of the following is not a Current account transaction?
a) Imports payables
b) Exports receivables
c) Dividend
d) External Commercial Borrowings
94. Kissan Credit Card allows a limit to a farmer little more than the estimated crop loan amount; why?
a) To accommodate contingency requirement of the farmer up to certain limit
b) To allow farmer to experiment on new technology
c) To accommodate price escalation of inputs
d) The statement given is not true
95. “NPOP Standards” is related to:
a) Financial Discipline in banks
b) Organic Farming
c) Processing of Agricultural Produce
d) Pollution Control
96. “Scale of Finance” is a term associated with
a) Debt: Equity Ratio
b) Crop Loan
c) Industrial Loan
d) All of the above
97. Which one of the following is not a cause but a consequence of Globalization?
a) Deregulation abroad
b) Integration of Markets
c) Technology and know-how
d) Greater Risk Exposure
98. “Threshold Yield” is a term associated with
a) Assessment of Crop Loan Need
b) Measurement of Soil Fertility
c) Agricultural Insurance
d) Yield Forecasting
99. Horticultural produces are processed to:
a) Enhancing self life of the produce
b) Preserving food value of the produce with altered physical and chemical properties
c) Adding value on the produce
d) None of the above are correct
100. Which of the following loan package is available only to exporters?
a) Cash Credit
b) PC Credit
c) Overdraft
d) Term Loan
