SBI PROBATIONARY OFFICERS EXAM GENERAL AWARENESS PRACTICE MCQs

1. Loans given to small-scale and ancillary industries are treated as priority sector lending. Micro, Small and Medium Enterprises Development (MSMED) Act was passed in ...
1) 2010
2) 2006
3) 2009
4) 2004
5) 2008

2. As per MSMED Act, if an enterprise engaged in the manufacture or production, processing or preservation of goods a micro enterprise is an enterprise where investment in plant and machinery does not exceed .......
1) Rs.25 lakh
 2) Rs.12 lakh
3) Rs.5 lakh
4) Rs.15 lakh
5) Rs.1 lakh

3. On 29 April 2015, RBI set a target of ANBC (Adjusted Net Bank Credit) prescribed for Micro Enterprises, to be achieved in a phased manner i.e. 7 percent by
1) March 2019
2) March 2017
3) December 2016
4) April 2018
5) March 2016

4. A target of ANBC (Adjusted Net Bank Credit) has been prescribed for Micro Enterprises, to be achieved in a phased manner i.e. 7.5 percent by .......
1) March 2017
2) March 2018
3) Dec 2017
4) Jan 2019
5) None

5. The target of ANBC has been prescribed for Micro Enterprises, to be achieved in a phased manner i.e. 7 percent by March 2016 and 7.5 percent by March 2017 for domestic banks. What about this target for foreign banks where they have less than 20 branches in India?
1) The above targets to be achieved by March 2020.
2) The above targets to be achieved by March 2018.
3) The above targets to be achieved by March 2017.
4) The above targets to be achieved by March 2019.
5) No targets assigned for these banks.

6. A small enterprise is an enterprise where the investment in plant and machinery is more than Rs.25 lakh but does not exceed ....... If an enterprise engaged in the manufacture or production, processing or preservation of goods.
1) Rs.5 crore
2) Rs.3 crore
3) Rs.2 crore
4) Rs.15 crore
5) None

7. Medium enterprise is an enterprise where the investment in plant and machinery is more than Rs.5 crore but does not exceed.... If an enterprise engaged in the manufacture or production, processing or preservation of goods.
1) Rs.50 crore
2) Rs.5 crore
3) Rs.10 crore
4) Rs.100 crore
5) None

8. As per MSMED Act 2006, if an enterprise engaged in providing or rendering of services and whose investment in equipment, it is a micro enterprise is an enterprise where the investment in equipment does not exceed ........
1) Rs.10 lakh
2) Rs.25 lakh
3) Rs.100 lakh
4) Rs.70 lakh
5) Rs.50 lakh

9. Small enterprise is an enterprise where the investment in equipment (in rendering of services) is more than Rs.10 lakh but does not exceed ........
1) Rs.10 crore
2) Rs.5 crore
3) Rs.1 crore
4) Rs.2 crore
5) Rs.20 crore

10. The medium enterprise is an enterprise where the investment in equipment (in rendering of services) is more than Rs.2 crore but does not exceed .........
1) Rs.10 crore
2) Rs.8 crore
3) Rs.50 crore
4) Rs.3 crore
5) Rs.5 crore

11. All loans to units in the KVI sector will be eligible for classification under the sub-target of 7
percent / 7.5 percent prescribed for Micro Enterprises under priority sector. KVI stands for .......
1) Khadi and Village Industries Sector
2) Khaki and Village Industries Sector
3) Khadi and Vicinity Industries Sector
4) Khadi and Village Infrastructure Sector
5) None of above

12. The credit outstanding under general credit cards also come under the 'other finance to MSMEs'. Here the general credit cards include ..........
1) Artisan Credit Card
2) Laghu Udyami Card
3) Swarojgar Credit Card
4) Weaver's Card
5) All of above

13. Prime Minister's Task Force on MSMEs headed by whom prescribed few targets for banks for lending to the Micro and Small Enterprise (MSE) sector?
1) T.K.A. Nair
2) Lakdawala
3) Sundarama Ganesan
4) Pradhymna Kumar
5) None

14. Ministry of MSME, Government of India and ........ set up the Credit Guarantee Fund Trust for Micro and Small Enterprises with a view to facilitate flow of credit to the MSE sector without the need for collaterals / third party guarantees.
1) RBI
2) IDBI
3) SIDBI
4) NABARD
5) None

15. A viable / potentially viable unit may apply for a debt restructuring if it shows early stage of sickness. It is called .........
1) debt restructuring of advances
2) debt cancellation of advances
3) debt trapping
4) debt postponement
5) None

16. RBI set guidelines on OTS for MSEs for settlement of their NPAs. OTS means ........
1) Order Time Settlement Scheme
2) One Take Settlement Scheme
3) One Time Settlement Scheme
4) One Time Score Scheme
5) None

17. RSETIs set up to provide training for MSE (Micro and Small Entrepreneurs). RSETI means .......
1) Rural Self Empowerment Training Institutes
2) Rural School Employment Training Institutes
3) Rural Study Employment Training Institutes
4) Regular Self Employment Training Institutes
5) None

18. Banks also provide assistance to the MSE entrepreneurs through their FLC. FLC stands for ........
1) Front Literacy Centre
2) Financial Literacy Centre
3) First Literacy Centre
4) Fourth Literacy Centre
5) None

19. Government of India has enacted the Micro, Small and Medium Enterprises Development (MSMED) Act, 2006. As per this act within a maximum of how many days, the buyers have to make the payments for the goods and services received by them from Micro, Small Enterprises?
1) 15 days
2) 30 days
3) 10 months
4) 2 weeks
5) 100 days

20. Union Cabinet on 30 May 2015 has given its approval for MOU between India and ...... on cooperation in the field of Micro, Small and Medium Enterprises.
1) Sweden
2) Norway
3) Austria
4) Sri Lanka
5) USA

21. On 1 June 2015, which nation has unveiled the world's first facial recognition ATM?
1) USA
2) UK
3) Israel
4) India
5) China

22. Which bank on 29 May 2015 launched an Online Customer Acquisition Solution (OCAS)?
1) ICICI
2) IndusInd bank
3) SBI
4) Kotak Bank
5) HDFC

23. Finance Minister Arun Jaitley has inaugurated New Bank Note Paper Line of 6000 MT capacity at ....... on 30 May 2015.
1) Hoshangabad, MP
2) Nashik, Maharashtra
3) Kochi, Kerala
4) Chennai, Tamilnadu
5) Shimla, HP

24. Your portfolio contains 85 percent stocks, 10 percent bonds, and 5 percent cash. Experts would agree that your portfolio is ...
1) Moderate
2) Simple
3) Soft
4) Zero
5) Aggressive

25. India’s first television channel Kisan Channel dedicated to farmers by PM on 27th May 2015. The channel belongs to .....
1) Zee
2) Sony
3) Star Plus
4) Doordarshan
5) ETV

26. Nelong Valley opened for tourists on 21 May 2015. It is in ........
1) Jharkhand
2) MP
3) Kerala
4) Uttarakhand
5) Gujarat

27. Valley of Flowers is a National Park located in West Himalaya, is in the state of .......
1) AP
2) Uttarakhand
3) Kerala
4) Tamilnadu
5) Haryana

28. The list of valleys in the world given. Locate the correct combination.
1) India - Damodar Valley
2) USA - Silicon Valley
3) Israel - Jordan Rift Valley
4) Pakistan - Swat Valley
5) All of above

29. ISIS captures Palmyra, the ancient city on 21 May 2015. It is in .......
1) Iraq
2) Afghanistan
3) Iran
4) Syria
5) None

30. ISIS stands for (terrorist organization)
1) Islamic State in Iran and Syria
2) Islamic State in Iraq and Somalia
3) Islamic Sovereignty in Iraq and Syria
4) Islamic State in Iraq and Syria
5) None of above

31. China has again termed the McMahon Line on the India - China boundary as illegal on 25 May 2015. With this, China has reaffirmed its claims on ........ which, it says, is a part of Southern Tibet.
1) Sikkim
2) Manipur
3) Arunachal Pradesh
4) Meghalaya
5) Assam

32. The Boundary Lines between nations given. Pick the wrong combination.
1) India and Pakistan - Radcliffe Line
2) Germany and Poland - Hindenburg Line
3) Germany and France - Maginot Line
4) Russia and Finland - Mannerheim Line
5) None

33. India and ........ signed a Joint Vision Statement on Defence Cooperation for the period 2015 - 20 recently.
1) USA
2) Japan
3) South Korea
4) Vietnam
5) Sweden

34. Who has been appointed as the new Chancellor of Nalanda University?
1) John Marshall
2) Meghnadh Desai
3) George Yeo
4) Goh Chok Tong
5) None of above

35. Arunachal Pradesh Governor is .......
1) Jyoti Prasad Rajkhowa
2) P.B. Acharya
3) Krishan Kant Paul
4) V. Shanmuganathan
5) Tathagata Roy

36. Who has been appointed as the new union Cabinet Secretary with effect from 13th June'15?
1) Nripendra Mishra
2) Ajit Seth
3) Pradeep Kumar Sinha
4) R.K. Mathur
5) L.C. Goyal

37. USA Secretary of state is ........
1) John Kerry
2) William Hague
3) Sergei Lavrov
4) Wang Yi
5) Hina Rabbani Khar

38. 'Nai Roshni' is the new scheme for ..........
1) Girl Child
2) Telling India is the destination for Manufacturing
3) BPL families to have no-frill accounts
4) Leadership scheme for Minority Women
5) People to participate in the online discussion of Twitter online account with government officials.

39. On 29 May 2015, NOFN proposed to increase the scope of the project that will entail three fold increase in cost to Rs.72,778 crore from about Rs.20,000 crore approved earlier. NOFN stands for...?
1) National Origin Fiber Network
2) National Original Fiber Network
3) Ninth Optical Fiber Network
4) National Optical FAB Network
5) National Optical Fiber Network

40.  What is the theme of the Sixth Edition of National Conference on Nuclear Energy?
1) Save Earth, Protect Nuclear Energy
2) Nuclear Energy for Sustainable approach
3) Nuclear Energy: a clean energy option
4) Nuclear Energy: Future Perfect
5) None of these

ANSWERS:
1-2, 2-1, 3-5, 4-1, 5-5, 6-1, 7-3, 8-1, 9-4, 10-5,
11-1, 12-5, 13-1, 14-3, 15-1 16-3, 17-3, 18-2, 19-2, 20-1,
21-5, 22-3, 23-1, 24-5, 25-4, 26-4, 27-2, 28-5, 29-4, 30-4,
31-3, 32-5 33-4, 34-3, 35-1, 36-3, 37-1, 38-4, 39-5, 40-3

SBI PROBATIONARY OFFICERS EXAM GENERAL AWARENESS PRACTICE QUESTIONS

1. The Housing Loans also come under Priority Sector Lending (PSL). Why the housing also include in the Priority sector lending?
1) it boosts cement industry
2) it boosts electronics and electrical industry.
3) it provides employment to unorganized labour.
4) it is one of the basic needs of human being.
5) All of the above are the reasons to include housing loan under PSL

2. The housing loans consist of....
1) for the construction of a house.
2) repair (maintenance) and / or renewal of a house.
3) clearance of slums and rehabilitation of disaster-stricken masses to temporary refuge shelters
4) 1 & 2 only
5) All of above

3. On 23 April 2015, RBI revamps priority sector lending norms in the case of home loans. As per these norms loans of up to Rs.28 lakh to individuals in metropolitan centres willqualify as Priority Sector Lending, provided the overall cost of the dwelling unit is....
1) Rs.50 lakh
2) Rs.30 lakh
3) Rs.55 lakh
4) Rs.45 lakh
5) Rs.35 lakh

4. Employees' Provident Fund Organization (EPFO) and insurance firms will deploy ...... of their corpus towards home loans of up to Rs.25 lakh for low-cost housing.
1) 7%
2) 10%
3) 18%
4) 20%
5) 15%

5. India's largest mortgage lender is ...
1) SBI
2) Axis Bank
3) Corporation Bank
4) HDFC
5) ICICI

6. On 1 June 2015, 'Her Ghar Her Car' scheme launched by which bank, having an objective of reaching out to women in the country and empowering them to take decisions that can change the course of their family and society at large?
1) RBI
2) SBH
3) NHB
4) IDBI
5) SBI

7. HUDCO (Housing & Urban Development Corporation Limited) was established as a premier techno-financing company set up in 1970 by the Government of India to accelerate the pace of housing and urban development in the country. HUDCO has corporate office located at .....
1) Mumbai
2) Chennai
3) New Delhi
4) Calcutta
5) Hyderabad

8. Present Chairman of HUDCO is ....
1) Dr.M. Ravikanth
2) Mohammad Mustafa
3) M. S. Raghavan
4) Harsh Kumar Bhanwala
5) Kshatrapati Shivaji

9. EWS rural housing scheme for the land owning category Village abadi scheme including repairs offered by HUDCO. EWS stands for?
1) Educationally Weaker Sections
2) Economically Women Sections
3) Empowerment Weaker Sections
4) Entertainment Weaker Sections
5) Economically Weaker Sections

10. HUDCO has been striving to make 'Housing for All' a reality. It initiated RTO scheme to see that even a common man should have a house. What is the expansion of RTO?
1) Right To Own
2) Ring To Own
3) Rent To Own
4) Rough To Own
5) None of above

11. Union Minister for Urban Development, Housing and Urban Poverty Alleviation and Parliamentary Affairs is .......
1) M. Venkaiah Naidu
2) Thaawar Chand Gehlot
3) Jual Oram
4) Chaudhary Birender Singh
5) Narendra Singh Toma

12. Loan given for undertaking repairs, renovations and / or up gradation is called .....
1) Home Damage Loan
2) Home Improvement Loan
3) Home Custody Loan
4) Home Consumption Loan
5) All of above

13. Important statements of Bridge Loan in Home Loan given. Pick the wrong statement.
1) Bridge Loan also available in Home Loans.
2) It is designed for people who wish to sell the existing home and purchase another.
3) It helps finance the new home, until a buyer is found for the old home.
4) It is not available in Metro cities.
5) None

14. Balance Transfer Loan is the familiar term used in Bank Loans. How it helps the home loan buyer?
1) It transfer the loan of one person to another person by making personal contract.
2) This loan helps to clear an existing home loan by availing a new loan from another lender.
3) It helps the borrower to transfer his loan to his neighbours.
4) It transfers the loan from one bank to RBI. The customer pays rate of interest to RBI.
5) None

15. National Housing Bank (NHB) was set up on 9th July .......
1) 2005
2) 1994
3) 1991
4) 1988
5) 2000

16. For tracking prices of residential properties in India, who launched the index by name 'RESIDEX'?
1) NHB
2) NABARD
3) RBI
4) Syndicate Bank
5) None

17. On 2 March 2015, RBI included which filed loans as part of Priority Sector Lending?
1) sanitation
2) health care
3) drinking water
4) renewable energy
5) All of above

18. On 25 February 2015, RBI said ....... given to account holders under Jan Dhan Yozana come under Priority sector holding.
1) zero balance facility
2) free online facility
3) free passbook facility
4) free SMS facility
5) overdraft facility

19. RBI on 5 March 2015 eased the norms for home loans for up to ........ by allowing banks to include stamp duty and registration charges to the cost of a unit?
1) Rs.15 lakh
2) Rs.5 lakh
3) Rs.10 lakh
4) Rs.20 lakh
5) None

20. Full form of NECS ........
1) National Electronic Clearing Service
2) National Electrical Clearing Service
3) National Electronic Close Service
4) Ninth Electronic Clearing Service
5) None

21. AEBAS stands for..?
1) Aadhaar Enabled Biometric Attendance System
2) Attendance Enabled Biometric Apply System
3) Aadhaar Enabled Biometric Accuracy System
4) Aadhaar End Biometric Attendance System
5) None

22. Pick the wrong abbreviation used in Banking and Financial Sectors.
1) ADR - American Donation Receipts
2) CCIL - Clearing Corporation of India Ltd
3) CRISIL - Credit Rating Information Services of India Ltd
4) CBLO - Collateralized Borrowing and Lending Obligation
5) CPI - Consumer Price Index

23. First state implemented ABPS [Aadhaar Based Payment System] in country on 30 May 2015?
1) Himachal Pradesh
2) Haryana
3) Jammu and Kashmir
4) Odisha
5) Bihar

24. On 28 May 2015, a Mega Food Park was inaugurated at Nalbari in .......
1) Meghalaya
2) Manipur
3) Arunachal Pradesh
4) AP
5) Assam

25. 4th North East Youth Festival has celebrated in ......
1) Manipur
2) Meghalaya
3) Arunachal Pradesh
4) Assam
5) Tripura

26. On 22 May 2015, which state issued an ordinance for formation of a Commission for Forward Communities?
1) AP
2) Telangana
3) MP
4) Delhi
5) Kerala

27. On 28 May 2015, who was appointed as DRDO chief?
1) Arup Raha
2) Ajith Doval
3) Dalbir Singh Suhag
4) R.K. Dhowan
5) S. Christopher

28. Who was appointed as the scientific advisor to defence minister on 28 May 2015?
1) Manohar Parikar
2) Rao Inderjit Singh
3) G. Sateesh Reddy
4) Ajith Doval
5) Pranab Mukharjee

29. 68th Session of the World Health Assembly (WHA) at ..... between 18-27 May 2015.
1) Geneva
2) Rome
3) New York
4) Canberra
5) London

30. Which nation assumed the presidency of the 68th World Health Assembly (WHA)?
1) Canada
2) Thailand
3) India
4) China
5) South Africa

31. Union Minister of Health & Family Welfare is ........
1) Jagat Prakash Nadda
2) Harshavardhan
3) Maneka Gandhi
4) Rajnath Singh
5) Arun Jaitley

32. Who is the chief security advisor to PM?
1) S.Rama dorai
2) C.N.R.Rao
3) Ajith Doval
4) Aravind Subramaniam
5) None

33. Alok Kumar and Jitendra Kumar are appointed as the two advisors of ......
1) Niti Aayog
2) FM
3) Ministry of Defence
4) RBI
5) CBDT

34. On 1 June 2015, the Government has proposed to soon open 1000 more stores under the 'Jan Aushadhi Scheme'. The aim of the scheme is .......
1) to provide water to agriculture land
2) to provide skill training to rural youth
3) to provide pension to workers in unorganized sector
4) to provide life insurance to all at the nominal premium
5) to make available quality generic medicines at affordable prices through these special outlets

35. Prime Minister Narendra Modi has inaugurated the upgraded steel plant of IISCO (Indian Iron & Steel Company) that has the country’s largest blast furnace on 10 May 2015 at ........... in West Bengal?
1) Burnapur
2) Durgapur
3) Roorkela
4) Bhilai
5) Bokoro

36. National Green Tribunal (NGT) imposed a penalty of nearly Rs.140 crore on two builders constructing a Special Economic Zone (SEZ) on Bellandur wetlands. Where is the Bellandur wetlands?
1) Maharashtra
2) Kerala
3) Tripura
4) Karnataka
5) Tamil nadu

37. Lakes list given. Locate the wrong option.
1) Kolleru Lake - AP
2) Dal Lake - Haryana
3) Ulsoor or Halasuru - Karnataka
4) Ashtamudi Lake - Kerala
5) Sambhar Salt Lake - Rajasthan

38. In which Navy exercise, the two Indian naval ships, INS Satpura and INS Kamorta, have participated in the bilateral naval exercise with the Singapore Navy
1) GARUDA
2) INDRA
3) SURYA KIRAN
4) SIMBEX
5) MAITHRI

39. Union government on 15 May 2015 launched ....... . Award Scheme. The scheme is intended to encourage and incentivize Public Health Facilities (PHFs) in the country for maintaining the facilities clean and hygienic.
1) Kayakalp
2) Pravesthi
3) Shubratha
4) Manovikas
5) Parisuddh

40. On 31 May 2015, Deepika Kumari won bronze in Archery World Cup. The event held at Antalya in .......
1) USA
2) Saudi
3) India
4) Afghanistan
5) Turkey

ANSWERS:
1-5, 2-5, 3-5, 4-5, 5-4, 6-5, 7-3, 8-1, 9-5, 10-3
11-1, 12-2, 13-4, 14-2, 15-4, 16-1, 17-5, 18-5, 19-3, 20-1
21-1, 22-1, 23-1, 24-5, 25-4, 26-5, 27-5, 28-3, 29-1, 30-3
31-1, 32-3, 33-1, 34-5, 35-1, 36-4, 37-2, 38-4, 39-1, 40-5.

GENERAL AWARENESS PRACTICE QUESTIONS FOR SBI P.O. EXAM

1. World Environment Day (WED) was celebrated on June 5, 2015. The theme for this year’s WED is?
1) Seven Billion Dreams. One Planet. Consume with Care
2) Small Islands and Climate Change
3) Think.Eat.Save
4) Many Species. One Planet. One Future
5) None of these

2. The Reserve Bank of India cut the repo rate on June 2, 2015 by 25 basis points. What is the present
repo rate?
1) 6.25 per cent
2) 7.25 per cent
3) 8.25 per cent
4) 8.5 per cent
5) 6.5 per cent

3. Ameenah Gurib-Fakim is the first woman President of?
1) Liberia
2) Benin
3) Mauritius
4) Gabon
5) Namibia

4. Who took over as Scientific Advisor to the Defence Minister Manohar Parrikar on June 4, 2015?
1) Bikash Bhattacharya
2) Tessy Thomas
3) M.P. Kaushik
4) G. Satheesh Reddy
5) Venkatnarayana Raju

5. Who won the prestigious DSC Prize for South Asian Literature 2015?
1) Neel Mukherjee
2) Amitav Ghosh
3) Anita Desai
4) Kiran Desai
5) Jhumpa Lahiri

6. Which bank launched ‘Digital Village’ project while adopting an entire village, Akodara in Gujarat on January 2, 2015?
1) SBI
2) Axis Bank
3) HDFC Bank
4) ICICI Bank
5) None of these

7. Edgar Lungu assumed office as the President of which of the following countries on January 25,
2015?
1) Somalia
2) Mali
3) Zambia
4) Sudan
5) South Sudan

8. Who took over as the Chairman of African Union in January 2015?
1) Robert Mugabe
2) Jacob Zuma
3) Goodluck Jonathan
4) Yoweri Museveni
5) None of these

9. Which of the following programmes made its way into the Guinness World Records in January
2015?
1) Swachh Bharat
2) Jan Dhan Yojana
3) Make in India
4) Digital India
5) None of these

10. A.B. de Villiers of South Africa smashed the fastest century in one day internationals against
which of the following countries in January 2015?
1) Sri Lanka
2) India
3) Bangladesh
4) Zimbabwe
5) West Indies

11. With regard to credit card or debit card, the abbreviation CVV stands for?
1) Card Virtual Valuation
2) Core Virtual Value
3) Card Vulnerability Value
4) Card Verification Value
5) None of these

12. Which of the following is India’s first credit information company?
1) CIBIL
2) CRISIL
3) ICRA
4) CARE
5) None of these

13. Which of the following countries is not a member of OPEC?
1) Algeria
2) Libya
3) Venezuela
4) Ecuador
5) Syria

14. Klaus Iohannis took over as the President of which of the following countries on December 21,
2014?
1) Switzerland
2) Germany
3) Romania
4) Albania
5) Serbia

15. Who is the first woman Director General of Civil Aviation (DGCA)?
1) Jyotsna Suri
2) M. Sathiyavathy
3) Anita Kapur
4) Nidhi Razdan
5) None of these

16. Bharat Heavy Electricals Limited (BHEL) commissioned 28 MW Nyaborongo Hydro Electric
Project in?
1) Zimbabwe
2) Kenya
3) Ethiopia
4) Rwanda
5) South Africa

17. Finance Industry Development Council (FIDC) is a self-regulatory organization for?
1) RRBs
2) Cooperative Banks
3) NBFCs
4) MFIs
5) Insurance companies

18. Identify the mismatched pair.
1) Hiroshima Day – August 6
2) Anti Tobacco day – May 31
3) Ozone day – September 16
4) Earth Day – March 21
5) AIDS Day – December 1

19. CP is an unsecured money market instrument issued in the form of a promissory note. In the abbreviation
CP, ‘P’ stands for?
1) Promissory
2) Paper
3) Portfolio
4) Position
5) Payment

20. Who is the author of the book ‘Born Again on the Mountain’?
1) Raha Moharrak
2) Bachendri Pal
3) Arunima Sinha
4) Prmlata Agarwal
5) None of these

21. Kolinda Grabar-Kitarovic is the first female President of?
1) Croatia
2) Latvia
3) Lithuania
4) Estonia
5) Bulgaria

22. Modibo Keita was appointed as the Prime Minister of which of the following countries in January
2015?
1) Uganda
2) Mali
3) Togo
4) Nigeria
5) Ghana

23. Which country won the Hopman Cup tennis tournament in Perth, Australia in January 2015?
1) USA
2) France
3) Poland
4) Great Britain
5) Australia

24. Who among the following won Padma Bhushan this year?
1) N. Gopalaswami
2) Subhash Kashyap
3) Harish Salve
4) Both 1 and 2
5) 1, 2 and 3

25. Mark Knowles was declared the 2014 International Player of the Year by the International Hockey Federation. He plays for?
1) Netherlands
2) Germany
3) Australia
4) Spain
5) UK

26. Who won the Ballon d’Or World Footballer of the Year in January 2015 for the second year in a row?
1) Lionel Messi
2) Neuer
3) James Rodriguez
4) Cristiano Ronaldo
5) Miroslav Klose

27. Who was chosen for the Vikram Sarabhai memorial award in January 2015?
1) G. Satheesh Reddy
2) Avinash Chander
3) M.Y.S. Prasad
4) K. Radhakrishnan
5) None of these

28. Who became the first woman to lead the Inter-Services Guard of Honor which was inspected by US President Barack Obama at Rashtrapati Bhavan on January 25, 2015?
1) Anjali Gupta
2) Pooja Thakur
3) Shalini
4) Deepika Misra
5) Karishma Sethi

29. Legendary cartoonist R.K. Laxman passed away in January 2015. He was the creator of?
1) Uncle Anu
2) Chacha Chaudhari
3) Amul girl
4) Common Man
5) Mungeri Lal

30. B.G. Verghese died recently. He was a renowned?
1) Actor
2) Director
3) Scientist
4) Hockey player
5) Journalist

31. James Rodriguez won the FIFA goal of the year award in January 2015. He plays for?
1) Uruguay
2) Colombia
3) Argentina
4) Peru
5) Brazil

32. A.S. Kiran Kumar is the?
1) Director of CBI
2) Director General of DRDO
3) Director of IB
4) Chairman of ISRO
5) None of these

33. Who was sworn in as the Prime Minister of Sri Lanka in January 2015?
1) Maithripala Sirisena
2) Mahinda Rajapakse
3) Ranil Wickramasinghe
4) Sarath Fonseka
5) None of these

34. Beji Caid Essebsi is the current President of?
1) Algeria
2) Tunisia
3) Nigeria
 4) Egypt
5) Morocco

35. Who won the Chennai Open men’s singles tennis title in Chennai in January 2015?
1) Aljaz Bedene
2) Jonathan Marray
3) Andy Murray
4) Leander Paes
5) Stanislas Wawrinka

36. Who among the following is not a Padma Vibhushan winner this year?
1) L.K. Advani
2) Dilip Kumar
3) M.R. Srinivasan
4) Veerendra Heggade
5) Rajat Sharma

37. With regard to WTO, what is the full form of TFA?
1) Trade Factoring Agreement
2) Trade Facilitation Agreement
3) Trade Fostering Agreement
4) Trade Featuring Agreement
5) None of these

38. Who won the London classic chess title in December 2014?
1) Michael Adams
2) Magnus Carlsen
3) Vladimir Kramnik
4) Viswanathan Anand
5) None of these

39. Olof Palme Human Rights Prize is given by which of the following countries?
1) Norway
2) Finland
3) Sweden
4) Iceland
5) Ireland

40. Shinzo Abe was reelected as the Prime Minister of which of the following countries in December 2014?
1) South Korea
2) North Korea
3) Philippines
4) Japan
5) Thailand

ANSWERS:
1) 1 2) 2 3) 3 4) 4 5) 5 6) 4 7) 3 8) 1 9) 2 10) 5
11) 4 12) 1 13) 5 14) 3 15) 2 16) 4 17) 3 18) 4 19) 2 20) 3
21) 1 22) 2 23) 3 24) 5 25) 3 26) 4 27) 3 28) 2 29) 4 30) 5
31) 2 32) 4 33) 3 34) 2 35) 5 36) 5 37) 2 38) 4 39) 3 40) 4

GENERAL AWARENESS PRACTICE QUESTIONS

1. Though ULIPs (Unit Linked Insurance Plan) are considered to be a better investment vehicle it has failed to capture the imagination of the retail investors in India because of which of the following reasons?

A.Regulatory jurisdictional fight between SEBI and IRDA

B. They don’t offer better tax benefits

C.They offer lesser returns compared to traditional insurance policies

D.All of the above

E. None of these

2.The Chameli Devi Jain Award is given for an outstanding woman ____?

A. Scientist

B. Reporter

C.Player

D.Teacher

E. None of these

3. HDFC bank has been named among 50 most valuable banks in 2014. It has got 45th rank. Wells Fargo & Co. has got first rank in this list. This bank belongs to which country?

A. USA

B. UK

C. European Union

D. France

E. None of these

4.The difference between the outflow and inflow of foreign currency is known as 

A.Foreign Exchange Reserves

B.Current Account Deficit

C.Fiscal Deficit

D.Balance of Payments

E. None of these

5.A commercial bank will launch a medium term note (MTN) programme to 

A.Provide loans

B.Raise Funds

C.Sell Equity

D.Purchase shares

E. None of these

6.Which among the following banks has launched the ‘Tatkal’, scheme that enables the people to transfer money to their families in their native towns and villages without actually opening an account?

A.State Bank of India

B.Bank of India

C.Canara Bank

D.Union Bank of India

E. Bank of Baroda

7. Who heads the National Ministerial Committee under the Architecture for Cash Transfers?

A.Prime Minister of India

B.Finance Minister

C.Food and Consumer Affairs Minister

D.Deputy Chairman, Planning Commission

E. None of these

8. Saumitra Chaudhuri committee has been appointed to recommend revisions to :

A.Wholesale Price Index

B.Consumer Price Index

C.Index of Industrial Production

D.Housing Develoment Index

E. None of above

9. Too much import of Gold by India adversely affects:

1. Trade Balance

2. Current Account Balance

3. Capital Account Balance

Choose the correct option from the codes given below:

A.1 & 2

B.2 & 3

C.1, 2 & 3

D.1 & 3

E. None of these

10.In which year, the Forward Contracts (Regulation) Act was enacted in India?

A.1950

B.1952

C.1962

D. 1975

E. 1978

Answers
1. A, 2. B, 3. A, 4. B, 5. B, 6. B, 7. A, 8. C, 9. A, 10. B

Kinds of Banks in India

The Financial Requirements in a modern economy are of a diverse nature, distinctive variety and large magnitude. These banks satisfy the various needs of people from every walk of life. The important kinds of banks mentioned below.

1. Commercial Banks: 
Commercial banks are established with an objective to help businessmen. These banks collect money from general public and give short-term loans to businessmen by way of cash credits, overdrafts, etc. Commercial banks provide various services like collecting cheques, bill of exchange, remittance money from one place to another place.
★ In India, commercial banks are established under Companies Act, 1956. In 1969, 14 commercial banks were nationalized by Government of India, and the nationalization continued later also. The policies regarding deposits, loans, rate of interest, etc. of these banks are controlled by the Central Bank/ supervisor banks in that nation.

2. Saving Banks: 
Saving banks are established to create saving habit among the people. These banks are helpful for salaried people and low income groups. The deposits collected from customers are invested in bonds, securities, etc. At present most of the commercial banks carry the functions of savings banks. Now a days the development
banks also discharging the functions of savings banks.

3. Land Mortgage or Land Development Banks: 
Land Mortgage or Land Development banks are also known as Agricultural Banks because these are formed to finance agricultural sector. They also help in land development. In India, Government has come forward to assist these banks. The Government has guaranteed the debentures issued by such banks.
There is a great risk involved in the financing of agriculture and generally commercial banks do not take much interest in financing agricultural sector.

4. The indigenous banking system: 
It was carried by the indigenous bankers like Shroffs, Seths, Sahukars, Mahajans, Chettis etc though they did not evolve the sound banking system in India.

5. Central / Federal / National Bank: 
Every country of the world has a central bank. In India, Reserve Bank of India, in U.S.A, Federal Reserve and in U.K, Bank of England. These central banks are the bankers of the other banks. They provide
specialized functions i.e. issue of paper currency, working as bankers of government, supervising and controlling foreign exchange. A central bank is a non-profit making institution. It does not deal with the public but it deals with other banks. The principal responsibility of Central Bank is thorough control on currency of a country.

6. Exchange Banks: 
Hong Kong Bank, Bank of Tokyo, Bank of America are the examples of Foreign Banks working in India. These banks are mainly concerned with financing foreign trade.
★ Following are the various functions of Exchange Banks:
1. Remitting money from one country to another country
2. Discounting of foreign bills
3. Buying and Selling Gold and Silver, and
4. Helping Import and Export Trade

7. Consumer Banks: 
Consumers bank is a new addition to the existing type of banks. Such banks are usually found only in advanced countries like U.S.A. and Germany. The main objective of this bank is to give loans to consumers for purchase of the durables like Motor car, television set, washing machine, furniture, etc. The consumers
have to repay the loans in easy installments.

8. Industrial / Development Banks:
 Industrial/ Development banks collect cash by issuing shares & debentures and providing longterm loans to industries. In the recent period they are also accepting cash deposits and lending. Development banks are specialized financial institutions. They provide medium and long-term finance to promote and develop important sectors like agriculture, industry, import-export, housing and allied activities. They provide finance to both private and public sector. Development banks are multipurpose financial institutions. To promote
Industries after independence, the institutions/ and banks like Industrial Finance Corporation of India (IFCI), Industrial Credit and Investment Corporation of India (ICICI) and Industrial Development Bank of India (IDBI) were established.
★ Development banking was started after the World War II. It provided finance to reconstruct the buildings and industries which were destroyed in the war.
★ In India, development banking was started immediately after Independence.

Model Questions:
1. The motto of commercial banks is ..........
1) helping the people
2) creating awareness among the people about banking
3) accept deposits only
4) to crush the interest of development banks
5) earning the profit

2. Which of the following function is not discharged by commercial bank?
1) issue negotiable instruments
2) provide the cash credit
3) doing the agriculture activity
4) provide the short term lending
5) None

3. Indian Commercial Banks are categorized into ..........
1) Public sector banks
2) Foreign banks
3) Private sector banks
4) All of the above
5) None

4. Largest commercial bank of the country is ..........
1) Bank of India
2) State Bank of India
3) Canara Bank
4) Union Bank of India
5) ICICI

5. Which department in India also authorized to run the savings bank, permitted by Government of India?
1) Shares and Securities department
2) Income tax department
3) Postal department
4) All of above
5) None

6. First Land Development Bank in India (LDB) was started at Jhang in ..........
1) 1920
2) 1940
3) 1945
4) 1975
5) None

7. List of Central banks given. Locate the wrong combination.
1) Russia - Central Bank of the Russian Federation - 1860
2) India - Reserve Bank of India - 1947
3) USA - Federal Bank - 1913
4) Switzerland - Central Bank of Swaziland- 1974
5) Pakistan - State Bank of Pakistan - 1948

8. Economic and Monetary Community of Central Africa - Bank of Central African States (Banque des Etats de l'Afrique Centrale, BEAC) was established in ..........
1) 1969
2) 1980
3) 1990
4) 2010
5) 1972

9. Bank of Central African States (BEAC) serves six Central African States. They are Cameroon, Central African Republic, Chad, Congo, Equatorial Guinea and ..........
1) South Africa
2) Gabon
3) Zimbabwe
4) Zambia
5) Kenya

10. Which of the following banks not categorized as development bank in India?
1) NABARD
2) SIDBI
3) Axis Bank
4) NHB
5) MUDRA Bank

11. Industrial Investment Bank of India (IIBI) was established in ..........
1) 1969
2) 1955
3) 2000
4) 1971
5) None

12. In order to rehabilitate the sick units in India, Industrial Reconstruction Corporation of India Ltd. (IRCI) set up in 1971. It was later reconstituted as Industrial Reconstruction Bank of India (IRBI) in ..........
1) 1981
2) 1989
3) 2010
4) 1985
5) 1982

13. To encourage the stream of Exports and Imports in India, the EXIM (Export - Import Bank of India) bank was established in 1982. Its present chairman is ..........
1) Raghuram Rajan
2) Ashok Chawla
3) U.K. Sinha
4) Arundhathi Bhattacharya
5) Yaduvendra Mathur

14.  On 8 April 2015, Narendra Modi launched the Micro Units Development Refinance Agency (MUDRA) Bank which will provide credit of up to Rs 10 lakh to .......
1) Large scale industries
2) Solar Industrial Units
3) Software parks
4) Fashion industries entrepreneurs
5) Small entrepreneurs

Answers:
1-5, 2-3, 3-4, 4-2, 5-3, 6-1, 7-2, 8-5, 9-2, 10-3
11-4, 12-4, 13-5, 14-5

Changing Role of Banks in India

Banks in India today have become more customer - focused and service-oriented than they were before 1991. The banks in India now give a lot of importance to their rural customers.
★ The following points briefly highlight the changing role of banks in India
1. Better customer service
2. Mobile banking facility
3. Bank on wheels scheme
4. Portfolio management
5. Issue of electro-magnetic cards
6. Universal banking
7. Automated Teller Machine (ATM)
8. Internet Banking
9. Encouragement to bank amalgamation
10. Encouragement to personal loans
11. Marketing of mutual funds
12. Social banking, etc.
★ The above - mentioned points indicate the role of banks in India is changing. Now let's discuss how banking in India is getting much better day after day.
Better Customer Service:
Before 1991, the overall service of banks in India was very poor. There were very long queues to receive payment for cheques and to deposit Cash. The banks were restricted to provide the better customer service in those days. Banks in India have now become very customer and service focus. Their service has become quick, efficient and customer - friendly. This positive change is mostly due to rising competition from new private banks and initiation of Ombudsman Scheme by RBI.
Mobile Banking:
Under mobile banking service, customers can easily carry out major banking transactions by simply using their cell phones or mobiles. Using secret credentials and registered phone, customer can now comfortably and securely, find his bank balance, transfer money from his account to another, ask for a cheque book, stop payment of a cheque, etc.
★ Today, almost all banks in India provide a mobile-banking service.
Bank on Wheels:
The 'Bank on Wheels' scheme was first introduced in the North - East Region of India. Under this scheme, banking services are made accessible to people staying in the remote areas of India. This scheme is a generous attempt to serve banking needs of rural India.
★ Portfolio Management: In this portfolio management, banks do all the investments work of their clients.
★ Banks invest their clients' money in shares, debentures, fixed deposits, etc. They first enter a contract with their clients and charge them a fee for this service. Then they have the full power to invest or disinvest their clients' money. However, they have to give safety and profit to their clients. Issue of Electro - Magnetic Cards Banks in India have already started issuing Electro - Magnetic Cards to their customers. These cards help to carry out cash - less transactions, make an online purchase, avail ATM facility, book a railway ticket, do shopping online etc. Banks issue many types of electromagnetic cards like Credit Cards, Debit Cards, Charge Cards, Kisan Credit Cards etc.
Universal Banking:
In India, the concept of universal banking has gained recognition after year 2000. The customers can get all banking and non-banking services under one roof. Universal bank is like a super store. It offers a wide range of services, including banking and other financial services like insurance, merchant banking, etc.
Automated Teller Machine (ATM):
There are many advantages of ATM. As a result, many banks have opened up ATM centres to offer convenience to their customers. Now banks are operating ATM centres not only in their branches (on site ATM) but also at public places like airports, railway stations, hotels, bazaars (off site ATM). Some banks have joined together and agreed upon to set up common ATM centres all over India.
Internet Banking
Internet banking is also called as an E - banking or net banking. Customer can do banking transactions through the medium of the internet or world wide web (WWW). The customer need not visit the bank's branch. Through this facility, the customer can easily inquiry about bank balance, transfer funds, request for a cheque book, etc. Most large banks offer this service to their tech-savvy customers.
Encouragement to Bank Amalgamation:
Failure of banks is well-protected with the facility of amalgamation. So depositors need not worry about their deposits. When weaker banks are absorbed by stronger banks, it is called amalgamation of banks. Encouragement to Personal Loans:
Today, the purchasing power of Indian consumers has increased dramatically because banks give them easy personal loans. Generally, interest charged by the banks on such loans is very high. Interest is calculated on reducing balance. The documentation is less and processing is fast in these loans.
Marketing of Mutual Funds:
A mutual fund collects money from many investors and invests the money in shares, bonds, short-term money market instruments, gold assets; etc. Mutual funds earn income by interest and dividend or both from its investments. It pays a dividend to subscribers. These funds are not insured like other bank deposits. There are different types of funds such as open-ended funds, closed-ended funds, growth funds, balanced funds, income funds, etc.
Social Banking:
The government uses the banking system to alleviate poverty and unemployment. Many
social development programmes are initiated by the banks from time to time. The success of these programmes depends on financial support provided by the banks. Banks supply a lot of finance to farmers, artisans, scheduled castes (SC) and scheduled tribe (ST) families, unemployed youth and people living below the poverty line (BPL) under social banking.

Model Questions

1. If the customer can do all transactions only in a branch and the branch has no online access, it is called .............
1) Online Banking
2) Internet Banking
3) Virtual Banking
4) Brick and Mortar Banking
5) None of these

2. As a part of financial inclusion, Bank on Wheels is a banking kiosk in a mobile van which goes to various rural villages as per the predetermined schedule to provide the banking services to the rural Indians. This Vehicle Tracking through GPRS. GPRS stands for .............
1) General Packet Radio Service
2) General Packet Running Service
3) Gross Packet Radio Service
4) Gain Packet Radio Service
5) General Packet Radio Store

3. A collection of investment tools such as stocks, shares, mutual funds, bonds, cash and so on depending on the investor's income, budget and convenient time frame. The art of selecting the right investment policy
for the individuals in terms of minimum risk and maximum return is called as .........
1) Portfolio management
2) Credit creation
3) Amortized management
4) Zero account
5) None of these

4. Which bank has launched the country's first contactless debit and credit cards on 7 January 2015?
1) HDFC
2) SBI
3) ICICI
4) Union Bank of India
5) Yes Bank

5. On 7 May 2015, RBI said with effect from September 1, 2015 all new cards issued - debit and credit, domestic and international - by banks shall be EMV chip and pin based cards. EMV stands for ................
1) Europay, Mastro and Visa.
2) Euro, Master Card and Visa.
3) Europay, Master Card and Visulas.
4) Entitlement of Master Card and Visa.
5) Europay, Master Card and Visa.

6. Which is the first bank to get ISO certificate?
1) Corporation Bank
2) UBI
3) Canara Bank
4) Syndicate Bank
5) ICICI

7. Kisan Credit Card (KCC) scheme introduced in .................. has emerged as an innovative credit delivery mechanism to meet the production credit requirements of the farmers in a timely and hassle - free manner.
1) 1998
2) 2000
3) 2001
4) 1991
5) 2004

8. To make KCC a Smart Card cum Debit Card, Government of India had constituted a Working Group under the Chairmanship of ..................
1) C. Ranga Rajan
2) Chanda Kocchar
3) Arundhathi Bhattacharya
4) D. Subba Rao
5) T.M. Bhasin

9. In 2014, Competition Commission of India probed the merger between regional rural banks sponsored by Punjab National Bank and ................
1) Andhra Bank
2) Union Bank of India
3) State Bank of India
4) Syndicate Bank
5) None of these

10. A personal loan is a kind of unsecured loan which can be used for any purpose that the borrower deems necessary. The loan backed only by promise to repay, and for this reason the personal loan also called...........
1) Signature loans
2) Secured loans
3) Priority sector loan
4) Transfer loan
5) None of these

11. AMFI is dedicated to developing the Indian Mutual Fund Industry on professional, healthy and ethical lines and to enhance and maintain standards in the industry. AMFI stands for ...............
1) Association of Mutual Funds in India
2) Authority of Mutual Funds in India
3) Amalgamation of Mutual Funds in India
4) Association of Mutual Finance in India
5) None of these

12. Providing Gas subsidy, government pensions, providing scholarships etc through banks called as ...............
1) Social Banking
2) Area Banking
3) Royal Banking
4) Visual Banking
5) None of these

13. Which bank bagged the Core Banking System Initiative Award for the year 2014 at the Asian Banking and Finance - Retail Banking Awards 2014?
1) SBI
2) ICICI Bank
3) Bharathiya Mahila Bank
4) Standard Bank
5) None of these

14. In the IBA Banking Technology Awards 2014, Best Financial Inclusion Initiative award among Public Sector bank conferred on ..............
1) SBI
2) Corporation Bank
3) Andhra Bank
4) Bank of Baroda
5) IOB

15. Which of the following banking does not come under Social Banking?
1) Crediting the LPG subsidy in the beneficiary bank account
2) Offering Jan Dhan Scheme accounts
3) Allowing students to credit their scholarships through No-frill accounts
4) Allowing the subsidy loan to disadvantage sections of the society
5) All of the above banking operations come under social banking

Answers:
1-4, 2-1, 3-1, 4-3, 5-5, 6-3, 7-1, 8-5, 9-4, 10-1, 11-1, 12-1, 13-3, 14-4, 15-3.

BANK EXAMS SPECIAL - GENERAL AWARENESS PRACTICE QUESTIONS

1. Surender Singh took over as the new Director General of which of the following paramilitary forces on May 1, 2015?
1) CRPF
2) BSF
3) CISF
4) NSG
5) ITBP

2. Who was conferred the RedInk Award for Lifetime Achievement for excellence in journalism on April 30, 2015?
1) Arnab Goswami
2) Prannoy Roy
3) Sreenivasan Jain
4) Shekhar Gupta
5) Krishna Prasad

3. ‘Varuna’ is a joint naval exercise between India and?
1) USA
2) Singapore
3) France
4) Japan
5) UK

4. Who was appointed the Chairperson of Children’s Film Society, India (CFSI) in April 2015?
1) Sai Paranjpye
2) Nafisa Ali
3) Ekta Kapoor
 4) Mukesh Khanna
5) Pankaj Dheer

5. United Nations Secretary General Ban Ki-moon has appointed Ismail Ould Cheikh Ahmed of Mauritania as his Special Envoy for?
1) Yemen
2) Syria
3) Iraq
4) Afghanistan
5) Pakistan

6. Who was named the honorary member of the International Olympic Committee (IOC) in December 2014?
1) N. Ramachandran
2) N. Srinivasan
3) Suresh Kalmadi
4) Randhir Singh
5) None of these

7. Donald Tusk is the current President of the European Council. He is the former Prime Minister of?
1) Czech Republic
2) Slovakia
3) Poland
4) Portugal
5) Slovenia

8. The first Regional Rural Bank in India, the Prathama Grameen Bank, was started in Moradabad district of Uttar Pradesh in 1975. It was sponsored by?
1) Punjab National Bank
2) State Bank of India
 3) Indian Bank
4) Syndicate Bank
5) Dena Bank

9. What does the letter ‘S’ denote in the term IFSC?
1) Subscriber
2) State
3) Station
4) Source
5) System

10. Who is the present Director General of National Disaster Response Force (NDRF)?
1) O.P. Singh
2) A.P. Maheshwari
3) D.K. Pandey
4) R.K. Prachanda
5) Ramesh P. Singh

11. The National Disaster Response Force consists of ten battalions from?
1) CRPF
2) BSF
3) CISF
4) ITBP
5) All the above

12. Who is the present Chairman of the Press Council of India (PCI)?
1) Justice P.B. Sawant
2) Justice C.K. Prasad
3) Justice R.S. Sarkaria
4) Justice A.N. Sen
5) Justice Markandey Katju

13. TVS Company Chairman Venu Srinivasan has been conferred the title of honorary citizen of Busan, the second largest city in?
1) Japan
2) China
3) South Korea
4) Thailand
5) None of these

14. Who was appointed as the Chairman of the Union Public Service Commission (UPSC) in November 2014?
1) Manbir Singh
2) Amar Pratap Singh
3) D.K. Dewan
4) Deepak Gupta
5) Vinay Mittal

15. A.R. Antulay died in December 2014. He was the former Chief Minister of?
1) Karnataka
2) Goa
3) Odisha
4) Bihar
5) Maharashtra

16. The United Nations General Assembly declared which of the following days as the World Soil Day?
1) June 5
2) July 5
3) November 5
4) October 5
5) December 5

17. Jarbom Gamlin died on 2014 November 30. He was the former Chief Minister of?
1) Sikkim
2) Nagaland
3) Arunachal Pradesh
4) Tripura
5) Manipur

Answers
1) 3 2) 2 3) 3 4) 4 5) 1 6) 4 7) 3 8) 4 9) 5 10) 1
11) 5 12) 2 13) 3 14) 4 15) 5 16) 5 17) 3

Primary and Secondary Functions of Commercial Banks

A commercial bank is a type of bank that provides services such as accepting deposits, making business loans, and offering basic investment products. On day to day functioning it discharge many functions broadly classified as Primary and Secondary Functions mentioned below.
I. Primary Functions
1) Accepting Deposits
2) Advancing Loans
II. Secondary Functions
1) Overdraft Facility
2) Discounting Bills of Exchange
3) Agency Functions
4) General Utility Functions

Primary Functions
1. Accepting Deposits:
It is one of the most important function of commercial banks. The commercial banks accept the deposits at lower rates and provide the loans. They accept deposits in several forms according to requirements of different sections of the society.
 The main kinds of deposits are:
i) Current Account Deposits or Demand Deposits: 
These deposits refer to those deposits which are repayable by the banks on demand.
★ Such deposits are generally maintained by businessmen with the intention of making transactions with such deposits. The business men usually deposit from their excess cash balances and withdraw when they need.
★ They can be drawn upon by a cheque without any restriction.
★ Banks do not pay any interest on these accounts. Rather, banks impose service charges for running these accounts.
ii) Fixed Deposits or Time Deposits: 
Fixed deposits refer to those deposits, in which the amount is deposited with the bank for a fixed period of time.
★ Such deposits do not enjoy cheque-able facility.
★ These deposits carry a high rate of interest.
iii) Saving Deposits: 
These deposits combine features of both current account deposits and fixed deposits.
★ The depositors are given cheque facility to withdraw money from their account. But, some restrictions are imposed on number and amount of withdrawals, in order to discourage frequent use of saving deposits.
★ They carry a rate of interest which is less than interest rate on fixed deposits. It must be noted that Current Account deposits and saving deposits are chequable deposits, whereas, fixed deposit is a non-chequable deposit.
2. Advancing of Loans:
 The deposits received by banks are not allowed to remain idle. So, after keeping certain cash reserves, the balance is given to needy borrowers and interest is charged from them, which is the main source of income for these banks.
 Different types of loans and advances made by Commercial banks are:
i) Cash Credit: The Cash credit refers to a loan given to the borrower against his current assets like shares, stocks, bonds, etc. A credit limit is sanctioned and the amount is credited in his account. The borrower may withdraw any amount within his credit limit and interest is charged on the amount actually withdrawn.
ii) Demand Loans: Demand loans refer to those loans which can be recalled on demand by the bank at any time. The entire sum of demand loan is credited to the account and interest is payable on the entire sum.
iii) Short-term Loans: They are given as personal loans against some collateral security. The money is credited to the account of borrower and the borrower can withdraw money from his account and interest is payable on the entire sum of loan granted.

Secondary Functions
1. Overdraft Facility: 
It refers to a facility in which a customer is allowed to overdraw his current account up to an agreed limit. This facility is generally given to respectable and reliable customers for a short period. Customers have to pay interest to the bank on the amount overdrawn by them.
2. Discounting Bills of Exchange: 
It refers to a facility in which holder of a bill of exchange can get the bill discounted with bank before
the maturity. After deducting the commission, bank pays the balance to the holder. On maturity, bank gets its payment from the party which had accepted the bill.
3. Agency Functions: 
Commercial banks also perform certain agency functions for their customers. For these services, banks charge some commission from their clients.
 Some of the agency functions are:
i) Transfer of Funds: 
Banks provide the facility of economical and easy remittance of funds from place-to-place with the help of instruments like demand drafts, mail transfers, etc.
ii) Collection and Payment of Various Bill Payments: 
Commercial banks collect cheques, bills, interest, dividends, subscriptions, rents and other periodical receipts on behalf of their customers and also make payments of taxes, insurance premium, etc. on standing instructions of their clients.
iii) Purchase and Sale of Foreign Exchange:
Some commercial banks are authorized by the central bank to deal in foreign exchange. They buy and sell foreign exchange on behalf of their customers and help in promoting international trade.
iv) Purchase and Sale of Securities:
Commercial banks buy and sell stocks and shares of private companies as well as government securities on behalf of their customers.
v) Income Tax Consultancy:
They also give advice to their customers on matters relating to income tax and even prepare their income
tax returns.
vi) Trustee and Executor: 
Commercial banks preserve the wills of their customers as trustees and execute them after their death as executors.
4. General Utility Functions: 
Commercial banks render some general utility services like:
i) Locker Facility: 
Commercial banks provide facility of safety vaults or lockers to keep valuable articles of customers in safe custody.
ii) Traveller's Cheques: 
Commercial banks issue traveler's cheques to their customers to avoid risk of taking cash during their journey.
iii) Letter of Credit: 
Commercial banks issue letters of credit to their customers to certify their creditworthiness.
iv) Underwriting Securities: 
Commercial banks also undertake the task of underwriting securities. As public has full faith in the creditworthiness of banks, public do not hesitate in buying the securities underwritten by banks.
v) Collection of Statistics: 
Banks collect and publish statistics relating to trade, commerce and industry. Hence, they advice customers on financial matters. Commercial banks receive deposits from the public and use these deposits to give loans. However, loans offered are many times more than the deposits received by banks. This function of banks is known as 'Money Creation'.

General Awareness Practice Questions for all bank exams

1. Which of the following function is not relating to Commercial Bank?
1) Accepting Time Deposits
2) Providing Loans
3) Doing Agriculture Activity
4) Discounting Bills of Exchange
5) Provide online technology nowadays for speed transfer of money

2. Why banks pay no rate of interest or very less rate of interest on current accounts?
1) RBI orders bank not to pay rate of interest for current accounts.
2) Banks do not pay rate of interest as the current accounts not offered by Scheduled banks.
3) Banks cannot utilise these short-term deposits for lending purposes and must keep almost cent percent reserve against them.
4) To maintain the current account is more expensive, so they do not pay rate of interest.
5) None of above

3. Which of the following statement is wrong related to Overdraft?
1) Overdraft provide by commercial banks as form of Loans.
2) Banks collect rate of interest on Overdrafts.
3) Overdraft can be issued to non-customer also.
4) Some banks levy bank charges to process the overdraft loans.
5) None of above

4. Hundi is a ........... in an Indian language, governed by customs and local usage.
1) Cheque 
2) Demand Draft
3) Bill of Exchange
4) Promissory Note 
5) None

5. Which of the following is not agency function of Commercial banks?
1) Letters of Reference
2) Tax Consultancy
3) Accepting Deposits
4) Purchase and Sale of Foreign Exchange
5) Trustee and Executor

6. Which is the first commercial bank in India initiated to have Television Banking (TVB), avail the banking information on TV screens. This enable TV viewers to access information of Bank's services and products, from the convince of their homes?
1) SBI 
2) Corporation Bank
3) ICICI 
4) Canara Bank
5) Tamilnadu Mercantile Bank Limited

7. On 13 March 2015, the Union government declared that unused priority sector lending funds of commercial banks will be used to set up the Rs.20,000 crore corpus of the proposed .......
1) Bharathiya Mahila Bank 
2) AIIB
3) PLB
4) New Development Bank
5) MUDRA Bank

8. Which bank launched the mobile app 'Chillr', which allows users to instantly transfer money to any contact in their phone book. The best part about using this money transfer mechanism is that, there is no need to add beneficiary details such as bank account number, IFSC codes etc
1) ICICI 
2) SBI 
3) HDFC
4) Citi Bank 
5) Yes Bank

9. Which commercial bank has launched a mobile application 'Pingpay' that enables customers to make payments to any contact across social media platforms in seconds?
1) Central bank of India 
2) Andhra Bank
3) Axis Bank 
4) ICICI
5) SBI

10. Government ordered commercial banks to step up lending to minorities on 12 March 2015. Accordingly, all scheduled commercial banks are required to specially monitor the credit flow to minorities in how many districts?
1) 140 
2) 121 
3) 90
4) 640 
5) 88

11. The statements related to corporate funding given. Locate the wrong statement.
1) RBI moves to restrict commercial banks exposure to corporate loans.
2) Banks would only be allowed to lend up to 25 percent of their core capital.
3) The earlier ceiling of up to 55 percent.
4) RBI proposes this new rule effective from 1 January 2019.
5) None

12. The rate at which RBI purchases or rediscounts bills of exchange of commercial banks is called ........
1) CRR 
2) Base Rate
3) SLR 
4) LAF
5) Bank Rate

13. In which year the Kotak Mahindra Finance Ltd. converted into a commercial bank - the first Indian company to do so?
1) 1996 
2) 1998 
3) 1994
4) 2003 
5) 2010

14. The power of the commercial banks to expand deposits through expanding their loans and advances is known as which among the following?
1) Capital Expansion 
2) Credit Expansion
3) Credit Control 
4) Credit suasion
5) Credit Creation

ANSWERS:
1-3, 2-3, 3-3, 4-3, 5-3, 6-3, 7-5, 8-3, 9-3, 10-2
11-5, 12-5, 13-4, 14-5

GENERAL AWARENESS PRACTICE QUESTIONS FOR ALL BANK EXAMS 2015

1. Who is the Chairman of NABARD (National Bank for Agriculture and Rural Development)?
a) Dr. Harsh Kumar Bhanwala
b) Mrs V.R.Iyer
c) HR Kamath
d) B Bhattacharya
e) R Rajendran

2. For recovery of NPA from the defaulted borrowers, SARFAESI Act 2002, is implemented. What does the letter ‘S’ stands for in SARFAESI
a) Social
b) Security
c) Seasonal
d) Stamp
e) Systematic

3. Bank holidays under Sec.25 of N.I. Act are declared by
a) RBI
b) State govt. for the respect state
c) Central govt.
d) LHO
e) Prime Minister

4. One rupee coin issued under _____ Act
a) Coinage Act 1906
b) RBI
c) BR
d) All the above
e) None of these

5. Clean Note policy has been introduced as per
a) Banking Regulation Act
b) RBI Act
c) SBI Act
d) PNB Act
e) None of these

6. Under prevention of Money laundering Act 2002, the financial transaction records have to be preserved for _____ years.
a) 5
b) 10
c) 20
d) 40
e) None of these

7. Under prevention of Money laundering Act 2002, banks have to report suspicious transaction to _____
a) RBI
b) CBI
c) FIU-IND
d) LHO
e) Central Govt.

8. RBI Has relaxed KYC norms for small account holders who do not intend to make deposits over Rs.50,000/- and total credits in the account in a year is limited to Rs. 1 lakh. Total withdrawls/ Transfer in a month does not exceed Rs. ____
a) 10,000
b) 20,000
c) 50,000
d) 60,000
e) None of these

9. When form15-H has been received, the bank shall forward the same to I.T. Department on or before ____ day of next month.
a) 3rd
b) 5th
c) 7th
d) 15th
e) 17th

10. In which of the following transaction PAN should be quoted?
a) A time deposit exceeding Rs.50,000
b) Payment in cash to purchase bank draft or banker’s cheque for an amount aggregating Rs.50,000 or more during any one day
c) Deposit cash aggregating Rs. 50,000 or more during any one day
d) All the above
e) None of these

11. Currency Notes are printed at:
a) Nasik
b) Dewas
c) Mysore
d) Salboni
e) All of these

12. If the customer does not cooperate for making their accounts KYC compliant, despite repeated communication/ contacts, their accounts should be _____.
a) Frozen
b) Closed
c) Close the account only after
compliance of KYC
d) a or c
e) a & b

13. As per KYC Norms / AML measures risk categorization of all customer accounts should be done and review of risk categorization should be cared out at ____ months intervals every year.
a) 3
b) 6
c) 9
d) 12
e) 15

14. SLR has to be maintained by banks under _______
a) Sec. 24 of BR Act
b) Sec. 24 of RBI Act
c) Sec. 42 of RBI Act
d) Sec. 42 of BR Act
e) None of these

15. Who is the Chairman of IRDA?
a) T.S.Vijayan
b) Dr. Rangarajan
c) M.V.Nair
d) J.S. Bhatnagar
e) HR Khan

16. Who is the authority for referring appeals against the award of banking ombudsman?
a) Deputy Governor, RBI
b) RBI Governor
c) CMD of concerned bank
d) Group of CMDs formed by RBI
e) None of the above

17. The sponsoring bank’s share in RBIs is:
a) 50%
b) 35%
c) 15%
d) 75%
e) None of these

18. Can a HUF join as a partner in a partnership firm?
a) Can be included
b) Can be included with company
c) Cannot join
d) Can join subject to the approval of CMD
e) None of the above

19. Bank’s Lien is:
a) General lien
b) Particular lien
c) Contingent lien
d) b & c
e) None of these

20. Within how many days the CPIO (Central Public Information Officer) has to provide information under RTI Act?
a) 30 days
b) 15 days
c) 45 days
d) 10 days
e) 60 hours

21. Which of the following is not a negotiable instrument as per N.I. Act?
a) Promissory note
b) Draft
c) TDR (Term Deposit Receipt)
d) Cheque
e) None of the above

22. Which of the following is not correct in respect of issue of CP:
a) It can now be issued as a standalone facility
b) Minimum issue is Rs. 5 lakh
c) CPs can be underwritten by a bank
d) Minimum Tangible net worth of the Corporate should be Rs. 4 crore
e) All the above

23. The maximum period for which a CD can be issued is _____
a) 1 month
b) 3 months
c) 180 days
d) 1 year
e) None of these

24. What is not true about CDs?
a) It is transferable from the data issues
b) It can be issued for a minimum period of 7 days
c) It is not all transferable
d) It can be issued in demat form only
e) None of these

25. Gilt edged securities refer to ___
a) Govt. securities
b) Shares of first class companies
c) Securities issued by first class companies
d) Duplicate securities
e) Securities issued by RBI Identified Companies

26. The standard rate at which the RBI is prepared to buy or rediscount export bills or other commercial
paper eligible for purchase from banks under the RBI Act is known as _____
a) Bank rate
b) Repo Rate
c) Card rate
d) PLR
e) Base Rate

27. The result of increase in SLR by RBI is
a) Decrease in lendable resources of banks
b) Increase in loadable resources of banks
c) There will not be any change in loan able resources of banks
d) Only b and c
e) None of these

28. Blue chip securities mean ____
a) Shares of progressive, well managed companies with excellent record of payment of dividends.
b) The shares which are in blue ink
c) Securities issued by Chip Manufacturing companies
d) Securities identified by the concerned state governments
e) None of the above

29. Cash kept in the currency chest is owned by
a) Currency Chest Branch Bank
b) Central Government
c) Reserve Bank of India
d) State Bank of India
e) None of the above

30. Bank can’t proceed against the borrower under SARFAESI Act where:
a) Security is agricultural land
b) Liability is less than Rs.1 lakh
c) Liability is less than 20% of the principal
d) Pledge of movables
e) All the above

31. The minimum capital required to start a new private sector bank is________
a) 100 crore
b) 200 crore
c) 300 crore
d) 400 crore
e) 500 crore

32. RBI injects liquidity through
a) Increase Bank Rate
b) Reduction of Repo Rate
c) Reduction of Reverse Repo
d) Increase CRR
e) Increase SLR

33. A customer requested to include his wife and daughter as nominees after one year of opening of
the account. Will it be accepted?
a) It can be accepted since the nominees are the family members of the depositor
b) Cannot be considered since the request is not received at the time of opening of account
c) Can be considered with 50% share each
d) Nomination should be made only in favor of single name. Hence can’t be considered
e) None of the above

34. What is the relationship between the Bank and Overdraft Customer where the account is showing
credit balance?
a) Creditor & Debtor
b) Principle & Agent
c) Trustee & Beneficiary
d) Debtor & Creditor
e) None of the above

35. What are the interest rates that are still regulated by RBI?
a) SB Deposits
b) Commercial Loans
c) DRI Loans
d) b & c
e) All

ANSWERS:
1) a; 2) b; 3) b; 4) a; 5) a; 6) b; 7) c; 8) a; 9) c; 10) d;
11) e; 12) b; 13) b; 14) a; 15) a; 16) a; 17) b; 18) c; 19) a; 20) a;
21) c; 22) c; 23) d; 24) e; 25) a; 26) a; 27) a; 28) a; 29) c; 30) e;
31) e; 32) b; 33) d; 34) d; 35) c.

Mission Indradhanush

Ministry of Health and Family Welfare (MOHFW) has launched Mission Indradhanush on 25th December 2014 with the aim of expanding immunization coverage to all children across India by year 2020. The Mission Indradhanush, depicting seven colours of the rainbow, targets to immunize all children against seven vaccine preventable diseases namely Diphtheria, Pertussis, Tetanus, Childhood Tuberculosis, Polio, Hepatitis B and Measles. In addition to this, vaccines for JE (Japanese Encephalitis) and Hib (Haemophilus influenzae type B) are also being provided in selected states.  Immunization is the key to protect children from life threatening conditions that are preventable. As per MOHFW, immunization coverage in India has increased from 61% to 65% only from 2009-2013. So, MOHFW has decided to intensify its efforts in immunization though this mission.      

 

Objectives of Mission Indradhanush

The government intends to cover 201 high focus districts in the first phase of year 2015.  These districts have nearly 50% of all unvaccinated or partially vaccinated children. Out of these 201 districts, 82 districts lie in just four states of India namely, UP, Bihar, Madhya Pradesh and Rajasthan. Nearly 25% of the unvaccinated or partially vaccinated children of India live in these 82 districts of 4 states. Furthermore, another 297 districts will be targeted in the second phase of year 2015.

 

Strategy of Mission Indradhanush
The government has planned to conduct four special vaccination campaigns between January and June 2015.  All vaccines are already available free of cost under universal immunisation programme in India. Under this mission, government plans to intensify its efforts and thus increase accessibility of these vaccines to all the children of India. 

GENERAL AWARENESS PRACTICE MCQs FOR ALL BANK EXAMS

1. Proportional Reserve System was replaced in 1956 by Minimum of Foreign Reserve System. It means....
1) RBI to hold assets minimum of Rs. 515 crores worth of foreign reserves in which Rs. 115 Cr. of gold and Rs. 400 Cr. of foreign securities must be maintained.
2) RBI to hold assets minimum of Rs. 515 crores worth of foreign reserves in which Rs. 115 Cr. of gold and Rs. 400 Cr. Dollars must be maintained.
3) RBI to hold assets minimum of Rs. 515 crores worth of foreign reserves in which Rs. 400 Cr. of gold and Rs. 115 Cr. of foreign securities must be maintained.
4) RBI to hold assets minimum of Rs. 515 crores worth of foreign reserves in which Rs. 200 Cr. of gold and Rs. 315 Cr. of foreign direct investments.
5) RBI to hold assets minimum of Rs. 515 crores worth of foreign reserves in any mode.

2. 1956 Minimum of Foreign Reserve System of RBI was diluted in 1957. It says .....
1) RBI should maintain Rs. 115 crore worth of Gold.
2) RBI should maintain Rs. 150 crore worth of Gold and Rs. 450 Cr. worth of Government bonds.
3) RBI should maintain Rs. 1000 Cr. worth of Gold or Rs. 1000 crore worth of Government securities.
4) RBI should maintain Rs. 100 Cr. worth of Gold or Rs. 1000 crore worth of foreign securities.
5) RBI need not maintain any worth of Gold or Government securities.

3. Currency paper is composed of ......
1) Flax seed pulp
2) Soya seed pulp
3) Cotton and cotton rag
4) Jute
5) None

4. Who determines the denominations of Paper currency?
1) RBI
2) Ministry of Commerce
3) Government of India
4) Deputy Governor
5) None of above

5. To cancel the disadvantages of Paper Currency Plastic currency mooted. Which is the first country to mint Plastic money?
1) India
2) New Zealand
3) China
4) Spain
5) Australia

6. India moots to mint ........ rupee plastic money first?
1) 5
2) 2
3) 100
4) 10
5) 500

7. In the five cities/ towns, the Rs. 10 plastic paper currency to be introduced for the valuation of up to Rs. 100 crores. They are Kochi, Mysore, Bhubaneswar, Jaipur and....
1) New Delhi
2) Hyderabad
3) Visakhapatnam
4) Shimla
5) Pune

8.Virtual Currency is .....
1) coins
2) Bit coin
3) Rs. 1000 currency note
4) Rs. 1 coin
5) None

9. Bit coin invented by ........
1) John Shepherd - Barron
2) Satoshi Nakamoto
3) Tim Berners-Lee
4) Charles Babbage
5) None of above

10. Who has the sole right to mint coins in India?
1) RBI
2) MMTC
3) Government of India
4) SBI
5) Department of Post

11. Whose signature appears on coins?
1) President of India
2) RBI Governor
3) Finance Secretary
4) RBI Deputy Governor
5) Coins do not bear the signature

12. Whether all banks accept coins in India though mint by government of India?
1) accept by asking the customer give the undertaking
2) Never accept
3) Yes, accept
4) Accept, tell the customer that the bank return any time
5) Accept at the lower value

13. Which rupee coin has largest circulation in India?
1) 2
2) 5
3) 1
4) 10
5) None

14. Which committee suggested for the high denomination of Coins in Indian Circulation?
1) C. Rangarajan
2) Bimal Jalan
3) Tarapore
4) Chandulal
5) Malegam

15. Maximum punishment for melting or destruction of coins would be increased from 5 years to ..... years of imprisonment?
1) 4
2) 9
3) 7
4) 10
5) 16

16. Coins in India are presently being issued for the circulation in denominations of 50 paise, one rupee, two rupees, five rupees and ...
1) two hundred rupees
2) hundred rupees
3) ten rupees
4) twenty rupees
5) None

17. Familiar metal using to mint coins of India these days is.....
1) Stainless Steel
2) Gold
3) Silver
4) Copper
5) Brass

18. ......... become the 19th country to adopt Euro as a Single currency from 1 January 2015?
1) Croatia
2) Lithuania
3) Latvia
4) Mexico
5) South Sudan


ANSWERS:
1-1, 2-1, 3-3, 4-3, 5-5, 6-4, 7-4, 8-2, 9-2, 10-3
11-5, 12-3, 13-3, 14-3, 15-3, 16-3, 17-1, 18-2

GENERAL AWARENESS PRACTICE QUESTIONS FOR BANK EXAMS

1. Which of the following is the boundary line between India and Pakistan?
1) McMahon Line
2) Durand Line
3) Hindenburg Line
4) Radcliffe Line
5) 17th Parallel

2. Riel is the currency of which of the following countries?
1) Malaysia
2) Thailand
3) Cambodia
4) Myanmar
5) Philippines

3. Which of the following is the process by which a company collects money from the public for the first time?
1) Follow on public offering
2) Secondary offering
3) Initial public offering
4) Bonus shares
5) None of these

4. Saurav Ghosal is associated with which of the following sports?
1) Squash
2) Wrestling
3) Boxing
4) Shot put
5) Discus throw

5. Zend Avesta is the sacred book of the?
1) Jains
2) Buddhists
3) Jews
4) Parsis
5) None of these

6. Palatana Power Plant is situated in which of the following States?
1) Jharkhand
2) Chhattisgarh
3) Tripura
4) West Bengal
5) Assam

7. Which bank has launched ‘Bank Aap Ki Muththi Mein’ a mobile banking initiative, in December 2014?
1) ICICI Bank
2) Yes Bank
3) Axis Bank
4) HDFC Bank
5) None of these

8. With effect from 2014 December29, the Real Time Gross Settlement (RTGS) business hours on week days have been increased to?
1) 10 hours
2) 9 hours
3) 12 hours
4) 11 hours
5) 8 hours

9. Which private bank launched India’s first credit card with a transparent design in December 2014?
1) ICICI Bank
2) HDFC Bank
3) Axis Bank
4) Yes Bank
5) Karur Vysya Bank

10. A government constituted task force has suggested creation of a Postal Bank of India (PBI). The task force is headed by?
1) Ravindra Dholakia
2) G. N. Bajpai
3) T.V. Mohandas Pai
4) T.S.R. Subramanian
5) Rakesh Garg

11. India defeated which of the following teams in the final to win the men’s World Cup Kabaddi in December 2014?
1) Bangladesh
2) Pakistan
3) Sri Lanka
4) Nepal
5) China

12. Which country won the women’s World Cup Kabaddi in December 2014?
1) New Zealand
2) Pakistan
3) India
4) Japan
5) China

13. Which country won the fourth Cricket World Cup for the visually challenged in Cape Town, South Africa on December 7, 2014?
1) India
2) Pakistan
3) Sri Lanka
4) Australia
5) South Africa

14. Who became the oldest player to score a one day international cricket century in November 2014?
1) Ahmed Nadeem
2) Arshad Ali
3) Ali Asad
4) Mohammad Tauqir
5) Khurram Khan

15. The 2016 Rio Summer Olympic Games mascot has been named?
1) Tom
2) Vinicius
3) Oba
4) Eba
5) Tiba

16. Which of the following is a public sector bank?
1) Axis Bank
2) South Indian Bank
3) Nainital Bank
4) Karnataka Bank
5) IDBI Bank

17. Human Rights Day is observed on?
1) December 5
2) December 20
3) December 7
4) December 10
5) December 24

18. Carolina Marin is a badminton champion from?
1) Denmark
2) Australia
3) Spain
4) Norway
5) Ireland

19. The abbreviation NTCA stands for?
1) National Thermal Control Authority
2) National Tiger Conservation Authority
3) National Terrorist Control Authority
4) National Transport Control Authority
5) None of these

ANSWERS:
1) 4 2) 3 3) 3 4) 1 5) 4 6) 3 7) 4 8) 3 9) 1 10) 4
11) 2 12) 3 13) 1 14) 5 15) 2 16) 5 17) 4 18) 3 19) 2