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CAIIB-BFM-RECOLLECTED QUESTIONS FROM JUNE 2019


Friends, Updating here the recollected questions from June 2019 Exams. Wish you all the very best for your exam.

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The bank-wise maturity profile of select deposit category of banks in % terms of select maturity buckets, as on Mar 31, 2019 is as under:

Liability/Asset PSU Banks Old Private Banks New FM Banks Foreign Bank
Deposits 100 100 100 100
Up to 1 year 33 54 52 44
Over 1 yr to 3 years 37 33 44 44
Over 3 year to 5 years 13 6 3 41
Over 3 year to 5 years 17 7 1 8

On the basis of given information, answer the following questions?

01. There is decline in rate of interest of 2% for a period up to 1 year. The bank group which will gain most is ......

a. PSU Banks
b. Old Private Banks
c. New Private Banks
d. Foreign Banks

02. There is decline in rate of interest of 2% for a period up to 1 year. The bank group which will gain least is ......

a. PSU Banks
b. Old Private Banks
c. New Private Banks
d. Foreign Banks

03. There is increase in rate of interest of l% for deposit with a period above 1 year to 5 years. The bank group which will be most affected adversely is ......

a. PSU Banks
b. Old Private Banks
c. New Private Banks
d. Foreign Banks

04. There is increase in rate of interest of 1% for deposit with a period above 1 year to 5 years. The bank group which will be least affected adversely is ......

a. PSU Banks
b. Old Private Banks
c. New Private Banks
d. Foreign Banks

05. The bank group which is more relaying on long term deposits above 3 years is ......

a. PSU Banks
b. Old Private Banks
c. New Private Banks
d. Foreign Banks

Answers: 1-b 2-a 3-a 4-b 5-a

Explanations:

1. Old private banks are dependent up to 54% deposits in up to 1 year category. Hence they gain most.

2. Public sector banks have the lowest amount of deposit in this category 33%. Hence they gain least.

3. PSU banks have 50% of their deposit in this category, which is highest in all the 4 bank groups. Hence they are affected most.

4. Old private banks have 39% of their deposits in this category which lowest. Hence they are least affected.

5. PSU banks are having 30% of their deposits in this category, which is highest.

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