IBPS and Clerk Exam Mental Ability Questions and Answers Paper

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173. Which of the following terms is not used in the game of hockey?

1) Bully

2) Follow-on

3) Penalty corner

4) Centre-pass

5) Scoop

Ans: Follow-on

174. In a bank, which of the following are the usual types of accounts?

1) Savings accounts, Electricity accounts and Insurance premium accounts

2) Fixed deposits, Post office savings bank accounts and Current deposit accounts

3) Current accounts, Savings bank accounts and Term deposit accounts

4) Loan accounts, Savings bank accounts and Term deposit accounts

5) Current bill accounts and Term deposit accounts

Ans: Current accounts, Savings bank accounts and Term deposit accounts

175. When a bank dishonours a cheque it is called

1) Settlement of the cheque.

2) Withdrawing of the cheque.

3) Nullifying of the cheque.

4) Truncating of the cheque.

5) Return of the unpaid cheque

Ans: Nullifying of the cheque.

176. Which of the following banks has recently been merged with the State Bank of India?

1) State Bank of Hyderabad

2) State Bank of Indore

3) State Bank of Saurashtra

4) State Bank of Travancore

5) None of these

Ans: State Bank of Indore

177. Salva Mayardit has taken over as the first President of

1) Republic of South Sudan

2) Vietnam

3) Myanmar

4) Libya

5) Iraq

Ans: Republic of South Sudan

178. The most powerful tool used by the Reserve Bank of India to control inflation is to

1) Raise interest rates

2) Reduce interest rates

3) Raise currency supply

4) Reduce currency supply

5) Raise interest rates and reduce currency supply

Ans: Raise interest rates

179. ‘Sub Prime Lending’ , which was the root cause for global meltdown in banks during 2008, means

1) Bank finance for non-productive activities

2) Bank finance not properly disclosed in its Balance Sheet

3) Bank finance in violation of the directives of the central bank

4) Bank finance to fictitious entities

5) Bank finance which do not qualify for the best market interest rates

Ans: Bank finance which do not qualify for the best market interest rates

180. Which of the following represents female literacy rate in India? (As per provisional figures of census 2011)

1) 60 %

2) 62 %

3) 65 %

4) 70 %

5) None of these

Ans: 65 %

181. Crossing of cheques makes them

1) Invalid document

2) Ineligible to endorse to a person other than the payee

3) Remain the same in all respect; it is only a practice

4) Eligible for payment irrespective of sufficient balance in the account

5) Ineligible to get cash across the bank counter

Ans: Ineligible to endorse to a person other than the payee

182. NEFT and RTGS in banking terminology speak of

1) Various deposit products

2) Various loan products

3) Electronic payment products within a bank

4) Electronic fund transfer from bank to bank

5) Cheque truncation process

Ans: Electronic fund transfer from bank to bank

183. The headquarters of the World Bank is located in

1) London

2) Paris

3) New York

4) Tokyo

5) Washington DC

Ans: Washington DC