INDIAN BANKING RADAR (IBR) - IBPS PO MAINS INTELLIGENCE MOCK

🌾 INDIAN BANKING RADAR (IBR) 📘 IBPS PO MAINS INTELLIGENCE MOCK

🔥 PLATINUM SERIES 2.0 | VOL. 183 📅 28 SEPTEMBER 2026 | MONDAY 🎯 TARGET EXAMS IBPS PO | SBI PO | IBPS RRB | RBI | NABARD

⚡ 20 QUESTIONS | 20 MARKS | 15–18 MINUTES ❌ NEGATIVE MARKING: 0.25 MARK FOR EACH WRONG ANSWER

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 🔥 TODAY'S INTELLIGENCE FOCUS

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 💰 Capital Adequacy & Basel Framework 📊 Asset Quality & Provisioning 💧 Liquidity Management & VRRR 📈 Interest-Rate Risk & ALM 🏦 Investment Portfolio & Market Risk 🌾 Priority Sector Lending 🏭 MSME & Working Capital 🔐 KYC / CKYCR / AML 💳 Digital Payments & Cyber Fraud 📊 Credit Information 🛡️ Operational Risk & Internal Controls

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🔥 SECTION A — INTELLIGENCE TEST

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 Q1. A bank has eligible regulatory capital of ₹1,800 crore and risk-weighted assets of ₹15,000 crore. Ignoring other adjustments, its capital adequacy ratio is:

A. 8%

 B. 10%

C. 12%

D. 15%

E. 18%

 Q2. A bank's Tier 1 capital is designed to absorb losses while the bank continues as a going concern. Which characteristic best describes Tier 1 capital:

 A. It is available only after liquidation

B. It consists entirely of secured borrowings

C. It provides going-concern loss-absorption capacity

D. It represents customer deposits E. It eliminates credit risk

Q3. A bank notices that a borrower's inventory is increasing rapidly while sales remain stagnant and receivables are taking longer to realise. What should the credit officer primarily consider: A. The borrower necessarily has excess liquidity

 B. The borrower should automatically receive a higher limit C. The indicators may signal working-capital stress

D. The collateral has become irrelevant

E. The account should automatically be classified as fraudulent

 Q4. A bank's gross NPA ratio declines because of substantial recoveries, but fresh slippages continue to rise. What should management primarily examine:

A. Only the reported NPA ratio

 B. Fresh slippages, recoveries, upgrades and underlying asset-quality trends C. Only the number of deposit accounts D. Only the branch network

E. Only the market value of equity

Q5. A bank has fixed-rate assets and liabilities that reprice at different intervals. Market interest rates change sharply. Which framework should management primarily use to assess the impact: A. Nomination management

B. Credit information management

 C. ALM and interest-rate-risk analysis

D. Locker management

 E. Cheque-clearing management

Q6. A bank funds long-term assets substantially through short-term and unstable sources. Which risk is most directly indicated:

A. Structural liquidity and funding risk

B. Settlement risk

C. Nomination risk D. Documentation risk

E. Reputation risk Q7. A bank holds high-quality liquid assets against stressed net cash outflows over the prescribed short-term horizon. Which regulatory measure is most directly relevant:

A. NSFR

B. LCR

 C. CRAR

 D. NPA ratio

 E. Provision Coverage Ratio

 Q8. A bank is assessing the working-capital requirement of an MSME borrower. Which combination is most relevant:

 A. Promoter's age and number of employees only

B. Inventory, receivables, payables and operating cycle

C. Only the value of immovable property D. Only the borrower's savings balance

E. Only the number of branches

Q9. A loan is proposed under a Priority Sector category solely because the loan amount is small. Which principle should the credit officer apply:

A. Every small loan automatically qualifies as PSL

B. Collateral value determines PSL classification

C. Eligibility depends on the applicable PSL category and prescribed conditions

 D. Interest rate alone determines PSL classification

 E. Current-account maintenance determines PSL classification

Q10. A company customer has several layers of ownership involving different entities and individuals. Which KYC requirement becomes particularly important:

A. Identifying only the authorised signatory

B. Obtaining only the registered office address

 C. Verifying only annual turnover

 D. Identifying beneficial owner(s) as required under applicable KYC norms

 E. Obtaining only the latest audited balance sheet

 Q11. A customer's normal business involves domestic trade, but the account suddenly receives funds from unrelated parties followed by rapid outward transfers. What is the most appropriate response:

A. Ignore the activity because individual transactions are small

B. Close the account immediately without examination

C. Assess the activity against the customer's profile and apply risk-based monitoring and escalation where warranted

D. Inform the customer that money laundering has been conclusively established

 E. Treat the activity as normal because sufficient balance was available

Q12. A customer receives a call claiming that an unauthorised digital payment will be reversed if the customer shares an OTP and enters the UPI PIN. What is the safest response:

A. Share the OTP but never the PIN

B. Enter the PIN after confirming the caller's identity

C. Enter the PIN if the caller knows recent transaction details

D. Refuse to disclose credentials and contact the bank through an authorised channel E. Follow the caller's instructions if the amount is small Q13. A merchant platform stores a token representing a customer's card instead of storing the actual card number for permitted transactions. Which technology is involved:

A. Securitisation

B. Card tokenisation C. Credit scoring

D. Cheque truncation

E. Loan syndication Q14. Under the Account Aggregator framework, a customer provides consent for specified financial information to be shared with an authorised financial information user. Which principle is central:

A. The Account Aggregator obtains permanent ownership of the customer's data

B. All participating institutions receive unrestricted access to the customer's financial history

C. Consent is required only when the first account is opened

D. Data sharing is consent-based and limited to the permitted information flow

E. The customer permanently loses control once information is shared

Q15. A bank discovers that an overdue amount has been incorrectly reported to a Credit Information Company. What should form the immediate control response:

A. Verify the underlying records and initiate correction through the prescribed process

B. Wait until the next annual reporting cycle

 C. Close the customer's loan account

D. Classify the customer as a wilful defaulter

 E. Ask the customer to approach another lender

Q16. A bank's internal audit finds repeated manual overrides of system-generated transaction controls. What should management primarily examine:

A. Whether the overrides are authorised, documented, monitored and appropriately controlled

B. Whether deposit rates can be increased

C. Whether the branch has sufficient lockers

D. Whether the bank can reduce customer service hours

E. Whether the bank should stop all digital transactions Q17. A bank purchases a security classified under an investment category requiring the applicable valuation methodology. What should the bank primarily ensure:

A. The security is always carried at face value

B. Market movements are ignored until maturity in every case

C. The prescribed valuation methodology applicable to the investment category is followed

 D. The investment is automatically treated as a loan

 E. Valuation is performed only when the security is sold

Q18. The RBI conducts an overnight variable rate reverse repo auction to absorb surplus liquidity. What is the primary effect of such an operation:

A. Permanent capital is created for banks B. Surplus liquidity is absorbed for the specified operation period

C. Banks' credit risk becomes zero

D. Banks' CRAR automatically increases E. Customer deposits are converted into equity

Q19. A branch permits an employee to initiate and independently approve the same transaction because of staff shortage. Which internal-control principle is most directly compromised:

A. Diversification

 B. Liquidity transformation

C. Segregation of duties

D. Capital conservation

E. Credit enhancement

Q20. A bank identifies repeated operational losses arising from the same process weakness across several branches. What is the most appropriate management response:

A. Treat every incident separately without examining the process

 B. Wait for a larger financial loss before acting

C. Remove the affected control to reduce exceptions

D. Identify the root cause, strengthen controls and monitor whether corrective action is effective

E. Stop recording operational losses

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🗝️ ANSWER KEY

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 Q1.C

Q2.C

 Q3.C

 Q4.B

 Q5.C

Q6.A

Q7.B

Q8.B

 Q9.C

Q10.D

 Q11.C

Q12.D

 Q13.B

 Q14.D

Q15.A

 Q16.A

 Q17.C

 Q18.B

 Q19.C

Q20.D

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 🧠 PO MAINS SMART APPROACH

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🎯 1. IDENTIFY THE TESTED CONCEPT Fact → Concept → Application → Risk → Control.

🎯 2. WATCH THE TRIGGER WORD PRIMARILY • MOST APPROPRIATE • DIRECTLY • BEST DESCRIBES • SUBJECT TO.

🎯 3. WHEN TWO OPTIONS LOOK CORRECT Select the option that answers the specific question most precisely.

🎯 4. CONNECT STATIC + CURRENT BANKING RBI / Regulatory Development ↓ Banking Concept ↓ Practical Application ↓ Possible Exam Question

🎯 5. USE NEGATIVE MARKING INTELLIGENTLY KNOWN → ATTEMPT UNCERTAIN → ELIMINATE TWO OPTIONS → RE-READ NO BASIS → MOVE ON

🎯 6. ANALYSE EVERY ERROR Concept gap • Misread question • Careless error • Two-option confusion • Unnecessary guess.

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 🏆 5-MINUTE POST-MOCK ANALYSIS

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📌 SCORE: ____ / 20 📌 WRONG: ____ 📌 UNATTEMPTED: ____ 📌 CONCEPTUAL ERRORS: ____ 📌 CARELESS ERRORS: ____ 📌 TWO-OPTION CONFUSIONS: ____ 🎯 Identify your TOP 2 weak areas and revise them immediately.

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 📊 SCORE GUIDE

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🔥 18–20 → EXCELLENT COMMAND 🟢 16–17 → STRONG PERFORMANCE 🟡 13–15 → GOOD — REVISE WEAK AREAS 🟠 10–12 → CONCEPT REVISION REQUIRED 🔴 BELOW 10 → STRENGTHEN CORE CONCEPTS 🎯 IBR PRACTICE TARGET: 18+

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 🚀 JOIN THE IBR INTELLIGENCE ECOSYSTEM

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🌐 INDIAN BANKING RADAR 📚 Daily Banking & Economy News 🧠 IBPS PO • AFO • RRB Exam Intelligence 📊 Current Affairs • Quizzes • Knowledge Hub 🎯 Banking Concepts • Exam-Focused Revision

▶️ IBR YOUTUBE CHANNEL 🎥 30–60 Second Banking Intelligence 📊 RBI • Banking • Financial Awareness ⚡ Quick Concept Revision

💎 IBR PREMIUM 📘 Advanced PO & AFO Mains Mocks 📑 RBI Guideline Briefs 🧠 Banking Intelligence 📊 Current Affairs Analysis 🎯 Exam-Focused Practice

🔥 90-DAY PREMIUM ACCESS

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 📢 IBR DAILY PRACTICE CHALLENGE

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🎯 Attempt today's mock within 15–18 minutes. 📝 Record your score. 🔍 Identify your weakest two concepts. 📚 Revise them today. 🔥 Return tomorrow for the next IBR Intelligence Mock.

ONE MOCK A DAY. ONE SET OF WEAKNESSES LESS.

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🔥 FINAL MANTRA

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 DON'T JUST MEMORISE THE BANKING TERM.

FACT ↓ CONCEPT ↓ APPLICATION ↓ RISK ↓ CONTROL ↓ EXAM TRAP

🏦 THAT IS THE IBR INTELLIGENCE APPROACH. 🎯 READ SMART • THINK BANKING • ANSWER INTELLIGENTLY

— INDIAN BANKING RADAR (IBR)