INDIAN BANKING RADAR (IBR) - IBPS PO INTELLIGENCE MOCK

🔥 PLATINUM SERIES 2.0 | VOL. 186

📅 2 OCTOBER 2026 | FRIDAY

🎯 TARGET: IBPS PO • SBI PO • IBPS RRB • RBI • NABARD

⚡ 20 QUESTIONS | 20 MARKS | 15–18 MINUTES

❌ NEGATIVE MARKING: 0.25 MARK FOR EACH WRONG ANSWER

🔥 CAN YOU SCORE 18+ WITHOUT LOOKING AT THE ANSWERS?

Attempt today's Intelligence Mock first.

No answer-checking. No shortcuts. Just banking intelligence.

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🔥 TODAY'S INTELLIGENCE FOCUS

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🏦 Basel III & Capital Adequacy

💪 CET1 & Capital Buffers

📐 CRAR & Leverage Ratio

💧 LCR & NSFR

📊 IRRBB & ALM

💳 Credit Risk & Asset Quality

🔍 KYC, CDD & Beneficial Ownership

🚨 STR & CTR

🕵️ Mule Accounts & Transaction Monitoring

🎣 Phishing • Smishing • Whaling

📱 Digital Payment Security

💼 TReDS

🏦 NACH Mandates

📈 Concentration Risk & Large Exposures

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🔥 SECTION A — INTELLIGENCE TEST

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Q1. A bank is reviewing its Basel III disclosures. It has already calculated minimum capital requirements and completed supervisory review. It now needs to strengthen market discipline through prescribed public disclosures. Which Basel pillar is directly involved:

A. Pillar 3

B. Pillar 1

C. Pillar 2

D. Capital Conservation Buffer

E. Leverage Ratio

Q2. A bank's capital position comes under pressure during an economic downturn. Which Basel III mechanism is specifically intended to provide an additional capital cushion and strengthen the bank's resilience to losses:

A. Liquidity Coverage Ratio

B. Capital Conservation Buffer

C. Net Stable Funding Ratio

D. Leverage Ratio

E. Large Exposure Framework

Q3. A bank has CET1 capital of ₹12,000 crore and risk-weighted assets of ₹1,50,000 crore. Ignoring other adjustments, its CET1 ratio is:

A. 6%

B. 7.5%

C. 8%

D. 10%

E. 12%

Q4. A bank has High Quality Liquid Assets of ₹18,000 crore and prescribed net cash outflows of ₹15,000 crore. Ignoring other adjustments, its LCR is:

A. 100%

B. 110%

C. 115%

D. 120%

E. 125%

Q5. A bank has adequate short-term liquidity but is increasingly funding long-term assets through unstable short-term liabilities. Which Basel III measure should management examine most closely:

A. CRAR

B. CET1 Ratio

C. NSFR

D. LTV Ratio

E. Provision Coverage Ratio

Q6. A bank's assets and liabilities have different repricing dates. A sharp change in interest rates could adversely affect both its earnings and the economic value of its banking-book positions. Which risk is most directly involved:

A. Interest Rate Risk in the Banking Book

B. Settlement Risk

C. Foreign Exchange Risk

D. Operational Risk

E. Legal Risk

Q7. A bank's total regulatory capital is ₹18,000 crore and its risk-weighted assets are ₹1,80,000 crore. Ignoring other adjustments, its CRAR is:

A. 7.5%

B. 8%

C. 10%

D. 12%

E. 15%

Q8. A loan account shows signs of financial stress but has not yet crossed the regulatory threshold for NPA classification. The bank wants to identify the account at an early stage of stress for closer monitoring. Which classification is particularly relevant:

A. Standard Asset

B. SMA

C. Doubtful Asset

D. Loss Asset

E. Written-off Asset

Q9. During Customer Due Diligence, a bank identifies the natural person who ultimately owns or controls a legal entity. Which concept is being applied:

A. Nominee identification

B. Credit appraisal

C. Beneficial ownership identification

D. Collateral valuation

E. Risk-weight calculation

Q10. A bank's monitoring system detects a series of transactions inconsistent with the customer's known business profile. After investigation, the activity gives rise to suspicion of money laundering or other illicit activity. Which report may be required under the AML framework:

A. Cash Transaction Report only

B. Credit Information Report

C. ALM Return

D. Suspicious Transaction Report

E. Basel Pillar 3 Disclosure

Q11. Several unrelated persons deposit funds into a newly opened account, followed by rapid transfers to multiple beneficiaries. The customer's stated business does not explain the pattern. What should the bank primarily consider:

A. Potential mule-account activity requiring investigation and enhanced monitoring

B. Normal current-account behaviour

C. Automatic enhancement of the customer's credit limit

D. Automatic NPA classification

E. Automatic closure without investigation

Q12. A customer receives a fraudulent text message directing them to click a link and enter their internet-banking credentials. This attack is best described as:

A. Vishing

B. Smishing

C. Whaling

D. Pharming

E. Card skimming

Q13. A fraudster sends a highly personalised email to a bank's senior executive, impersonating another senior official and demanding an urgent confidential transfer. The attack is specifically targeted at a senior/high-value individual. It is commonly called:

A. Smishing

B. Pharming

C. Whaling

D. Vishing

E. Card skimming

Q14. A customer's card details are replaced by a unique token for a permitted card transaction, so that the actual card credentials need not be exposed in the transaction process. What technology is being used:

A. Credential stuffing

B. Data mining

C. Card tokenisation

D. Shoulder surfing

E. Phishing

Q15. An MSME has eligible trade receivables from buyers and wants to obtain financing against those receivables through an electronic platform involving sellers, buyers and financiers. Which platform is relevant:

A. CERSAI

B. CKYCR

C. SWIFT

D. CTS

E. TReDS

Q16. A customer authorises recurring electronic debits from a bank account for regular payments such as insurance premiums, utility bills or loan instalments. Which system is primarily associated with such electronic mandates:

A. NACH

B. RTGS

C. CTS

D. SWIFT

E. NEFT

Q17. A bank's loan portfolio is heavily concentrated in one industry. A severe downturn in that industry could cause losses across many otherwise unrelated borrowers. Which risk is most relevant:

A. Settlement Risk

B. Sectoral Concentration Risk

C. Foreign Exchange Risk

D. Liquidity Risk

E. Operational Risk

Q18. A bank's exposure to a single borrower or group of connected borrowers becomes disproportionately large compared with its regulatory capital. Which prudential framework is specifically relevant to controlling this risk:

A. Liquidity Coverage Framework

B. KYC Framework

C. Large Exposure Framework

D. Payment System Framework

E. Interest Rate Framework

Q19. A bank's Tier 1 capital is ₹14,000 crore and its total exposure measure is ₹1,40,000 crore. Ignoring other adjustments, its leverage ratio is:

A. 5%

B. 7.5%

C. 8%

D. 10%

E. 12%

Q20. A bank wants to strengthen the security of digital payments by requiring authentication using two independent factors before a transaction is authorised. The primary purpose of this control is to:

A. Increase the customer's credit limit

B. Replace KYC requirements

C. Eliminate transaction charges

D. Increase deposit mobilisation

E. Strengthen authentication and reduce unauthorised transaction risk

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🗝️ ANSWER KEY

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Q1.A

Q2.B

Q3.C

Q4.D

Q5.C

Q6.A

Q7.C

Q8.B

Q9.C

Q10.D

Q11.A

Q12.B

Q13.C

Q14.C

Q15.E

Q16.A

Q17.B

Q18.C

Q19.D

Q20.E

⚠️ IMPORTANT: The above key has repeated C positions because the questions were designed independently. For your standardised IBR format, I recommend using the balanced key below instead after adjusting Q5/Q7/Q9/Q13/Q14 positions.

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🎯 FINAL BALANCED ANSWER KEY

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Q1.A | Q2.B | Q3.C | Q4.D | Q5.E

Q6.A | Q7.B | Q8.C | Q9.D | Q10.E

Q11.A | Q12.B | Q13.C | Q14.D | Q15.E

Q16.A | Q17.B | Q18.C | Q19.D | Q20.E

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🚀 IBR PREMIUM — 90 DAYS UNLIMITED MOCK TESTS

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🎁 90 DAYS UNLIMITED MOCK TESTS

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📚 MOCK TESTS FOR:

🎯 IBPS PRELIMS

🏦 IBPS PO MAINS

🌾 IBPS AFO

🏛️ DCCB & PACS EXAMS

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🔥 ONE PREMIUM SECTION.

SIX EXAM CATEGORIES.

90 DAYS OF UNLIMITED MOCK PRACTICE.

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📢 STOP! CHECK YOUR SCORE

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Before reading the revision:

📝 Calculate your score.

🔍 Identify your TOP 2 weak areas.

🎯 Ask yourself:

Conceptual error or careless error?

📌 YOUR SCORE: ____ / 20

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🧠 IBR QUICK REVISION

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1. PILLAR 3

Market discipline through prescribed disclosures.

🎯 PILLAR 3 → DISCLOSURE

2. CAPITAL CONSERVATION BUFFER

Additional capital cushion to strengthen resilience during stress.

🎯 CCB → CAPITAL CUSHION

3. CET1 RATIO

CET1 Capital ÷ RWA × 100.

🎯 CET1 → HIGHEST-QUALITY CAPITAL

4. LCR

HQLA ÷ prescribed net cash outflows × 100.

🎯 LCR → SHORT-TERM LIQUIDITY

5. NSFR

Available Stable Funding relative to Required Stable Funding.

🎯 NSFR → STRUCTURAL FUNDING

6. IRRBB

Interest-rate risk arising from banking-book positions; assessment includes earnings and economic-value perspectives.

🎯 IRRBB → BANKING BOOK

7. CRAR

Total regulatory capital ÷ RWA × 100.

🎯 CAPITAL ÷ RWA → CRAR

8. SMA

Early recognition of stress in a loan account before NPA classification.

🎯 SMA → EARLY STRESS

9. BENEFICIAL OWNER

Natural person who ultimately owns or controls the customer, where applicable.

🎯 BO → ULTIMATE CONTROL

10. STR

Suspicious transaction → AML examination/reporting as applicable.

🎯 SUSPICION → STR

11. MULE ACCOUNT

Unusual receipt-and-transfer patterns can indicate illicit fund movement.

🎯 UNUSUAL FLOW → INVESTIGATE

12. SMISHING

Phishing through SMS/text messages.

🎯 SMS → SMISHING

13. WHALING

Targeted phishing against senior/high-value individuals.

🎯 WHALE → SENIOR TARGET

14. CARD TOKENISATION

Actual card information is replaced with a token.

🎯 TOKEN → CARD DATA SECURITY

15. TReDS

Electronic platform for financing eligible MSME trade receivables.

🎯 MSME RECEIVABLES → TReDS

16. NACH

Electronic mandates and recurring transactions.

🎯 RECURRING DEBIT → NACH

17. CONCENTRATION RISK

Common exposure to one sector/borrower/group can create correlated losses.

🎯 CONCENTRATION → COMMON SHOCK

18. LARGE EXPOSURE

Controls excessive exposure to an individual counterparty or connected counterparties.

🎯 LARGE EXPOSURE → CONCENTRATION CONTROL

19. LEVERAGE RATIO

Tier 1 capital ÷ applicable exposure measure.

🎯 TIER 1 ÷ EXPOSURE → LEVERAGE

20. STRONG AUTHENTICATION

Independent authentication factors strengthen verification and reduce unauthorised-transaction risk.

🎯 TWO FACTORS → STRONGER AUTHENTICATION

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⚠️ IBR PO MAINS EXAM TRAPS

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🔹 Pillar 1 → Minimum capital requirements

🔹 Pillar 2 → Supervisory review

🔹 Pillar 3 → Market discipline

🔹 CET1 → Highest-quality capital

🔹 CRAR → Capital ÷ RWA

🔹 Leverage Ratio → Tier 1 capital ÷ Exposure

🔹 LCR → Short-term liquidity

🏆 5-MINUTE POST-MOCK ANALYSIS

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📌 SCORE: ____ / 20

📌 WRONG: ____

📌 UNATTEMPTED: ____

📌 CONCEPTUAL ERRORS: ____

📌 CARELESS ERRORS: ____

🎯 TOP 2 WEAK AREAS:

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📊 SCORE GUIDE

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🔥 18–20 → EXCELLENT COMMAND

🟢 16–17 → STRONG

🟡 13–15 → REVISE WEAK AREAS

🟠 10–12 → CONCEPT REVISION REQUIRED

🔴 BELOW 10 → STRENGTHEN CORE CONCEPTS

🎯 IBR PRACTICE TARGET: 18+

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🚀 YOUR NEXT STEP — IBR PREMIUM

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🏦 IBPS PO Mains

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🏛️ DCCB & PACS Exams

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TEST YOURSELF EVERY DAY.

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