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

🔥 PLATINUM SERIES 2.0 | VOL. 186

📅 1 OCTOBER 2026 | THURSDAY

🎯 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 Conservation Buffer

📐 Leverage Ratio

💧 LCR & NSFR

📊 Interest-Rate Risk in Banking Book

🔍 KYC Periodic Updation & CDD

🚨 STR & CTR

🕵️ Mule Accounts & Transaction Monitoring

🎣 Phishing • Spear Phishing • Whaling

📱 Digital Payment Authentication

💳 Card Tokenisation

🏦 NACH & Mandate Management

💼 TReDS

📈 Credit Concentration Risk

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🔥 SECTION A — INTELLIGENCE TEST

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Q1. A bank is assessing the quality of its regulatory capital under Basel III. Which component represents the highest-quality form of capital with the strongest capacity to absorb losses while the bank remains a going concern:

A. Common Equity Tier 1 capital

B. Tier 2 capital

C. Subordinated debt

D. General provisions

E. Revaluation reserves

Q2. A bank maintains capital above its minimum regulatory requirement. The primary purpose of the Capital Conservation Buffer is to:

A. Finance government expenditure

B. Provide an additional capital cushion to absorb losses during periods of stress

C. Replace the bank's liquidity reserve

D. Eliminate credit risk

E. Guarantee dividend payments

Q3. A bank has Tier 1 capital of ₹12,000 crore and a total exposure measure of ₹1,20,000 crore. Its leverage ratio is:

A. 5%

B. 8%

C. 10%

D. 12%

E. 15%

Q4. A bank is required to maintain sufficient High Quality Liquid Assets to withstand a significant liquidity-stress scenario over a 30-day period. Which Basel III liquidity ratio directly addresses this requirement:

A. CRAR

B. CET1 Ratio

C. Liquidity Coverage Ratio

D. Leverage Ratio

E. Provision Coverage Ratio

Q5. A bank's funding profile contains a large proportion of unstable short-term liabilities supporting relatively illiquid assets. Which Basel III measure is specifically designed to address this structural funding risk:

A. CRR

B. PCR

C. Net Stable Funding Ratio

D. LTV Ratio

E. Credit-Deposit Ratio

Q6. A bank has adequate liquidity for the next few weeks but relies heavily on short-term funding to support long-term assets. Which risk-management measure should management examine particularly closely:

A. Net Stable Funding Ratio

B. Cash Reserve Ratio

C. Provision Coverage Ratio

D. Loan-to-Value Ratio

E. Capital Conservation Buffer

Q7. A bank has a significant mismatch between the repricing characteristics of its assets and liabilities. Market interest rates change sharply. Which risk should the bank specifically assess:

A. Foreign-exchange settlement risk

B. Interest-rate risk in the banking book

C. Operational risk

D. Legal risk

E. Sovereign default risk

Q8. Under the applicable RBI framework for periodic KYC updation, the minimum periodicity generally applicable to high-, medium- and low-risk customers respectively is:

A. 1 year, 5 years and 8 years

B. 2 years, 8 years and 10 years

C. 3 years, 6 years and 9 years

D. 5 years, 8 years and 10 years

E. 2 years, 5 years and 10 years

Q9. During Customer Due Diligence, a bank seeks to understand the customer's identity, nature and purpose of the relationship and the associated risk profile. This primarily represents:

A. Credit appraisal

B. Customer Due Diligence

C. Treasury management

D. Investment valuation

E. Capital adequacy assessment

Q10. A bank identifies a transaction or attempted transaction that gives rise to suspicion after considering the customer's profile and transaction pattern. Which AML report is relevant:

A. CRAR return

B. ALM return

C. Suspicious Transaction Report

D. Capital adequacy certificate

E. Liquidity return

Q11. A bank identifies reportable cash transactions that meet the applicable regulatory threshold and aggregation criteria. Which reporting mechanism is relevant:

A. Cash Transaction Report

B. Suspicious Transaction Report only

C. Credit Information Report

D. Basel Pillar III disclosure

E. SARFAESI notice

Q12. A newly opened account receives funds from numerous unrelated persons and rapidly transfers most of the funds to other accounts, without an apparent legitimate economic purpose. What should the bank primarily consider:

A. Automatic enhancement of the customer's credit limit

B. Normal salary-account activity

C. A potential mule-account pattern requiring enhanced monitoring

D. Automatic classification as an NPA

E. Immediate closure without investigation

Q13. An employee receives a highly personalised email appearing to come from a senior executive and requesting an urgent confidential fund transfer. The attack is best described as:

A. Vishing

B. Smishing

C. Pharming

D. Spear phishing

E. Card skimming

Q14. A fraudster specifically targets a senior bank executive because of the executive's authority and access to sensitive information. This targeted form of phishing is commonly known as:

A. Whaling

B. Spoofing

C. Smishing

D. Pharming

E. Shoulder surfing

Q15. A customer makes card payments through a merchant without the actual card number being exposed to the merchant or transaction ecosystem. Which technology replaces the sensitive card information with a unique surrogate value:

A. Hashing

B. Card tokenisation

C. Phishing

D. Credential stuffing

E. Shoulder surfing

Q16. A digital payment system requires two independent authentication factors before a transaction is authorised. The principal objective of this control is to:

A. Increase the customer's credit limit

B. Eliminate all transaction charges

C. Strengthen authentication and reduce the risk of unauthorised transactions

D. Replace KYC requirements

E. Increase deposit mobilisation

Q17. An MSME wants working-capital finance against eligible trade receivables through an electronic platform connecting sellers, buyers and financiers. Which platform is particularly relevant:

A. TReDS

B. CKYCR

C. CERSAI

D. SWIFT

E. SARFAESI

Q18. A bank's exposure to a single borrower or connected group becomes disproportionately large in relation to its capital base. Which risk should the bank primarily manage:

A. Liquidity risk

B. Credit concentration risk

C. Settlement risk

D. Operational risk

E. Reputational risk

Q19. A customer authorises recurring electronic debits from the bank account for regular payments to a service provider. Which system is primarily associated with such recurring electronic mandates:

A. RTGS

B. NEFT

C. NACH

D. SWIFT

E. CTS

Q20. A bank wants to assess whether its regulatory capital is adequate in relation to its risk-weighted assets. Which measure is most directly relevant:

A. Current Account Ratio

B. Net Interest Margin

C. CASA Ratio

D. Capital to Risk-Weighted Assets Ratio

E. Loan-to-Deposit Ratio

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🗝️ ANSWER KEY

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Q1.A

Q2.B

Q3.C

Q4.C

Q5.C

Q6.A

Q7.B

Q8.B

Q9.B

Q10.C

Q11.A

Q12.C

Q13.D

Q14.A

Q15.B

Q16.C

Q17.A

Q18.B

Q19.C

Q20.D

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📢 STOP! CHECK YOUR SCORE

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Before reading the explanations:

📝 Calculate your score.

🔍 Identify your TOP 2 weak areas.

🎯 Ask yourself: Conceptual error or careless error?

Comment your score: 20/20, 18/20, 16/20…

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🧠 IBR QUICK REVISION

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1. CET1

Highest-quality regulatory capital with strong going-concern loss-absorption capacity.

🎯 CET1 → HIGHEST-QUALITY CAPITAL

2. CAPITAL CONSERVATION BUFFER

Additional capital cushion to absorb losses during stress.

🎯 BUFFER → CAPITAL RESILIENCE

3. LEVERAGE RATIO

Tier 1 capital relative to the applicable exposure measure.

🎯 TIER 1 ÷ EXPOSURE → LEVERAGE RATIO

4. LCR

Addresses short-term liquidity resilience against a significant stress scenario.

🎯 LCR → SHORT-TERM LIQUIDITY

5. NSFR

Addresses structural funding risk through stable funding requirements.

🎯 NSFR → STABLE FUNDING

6. FUNDING RISK

Heavy short-term funding of long-term assets can create structural vulnerability.

🎯 SHORT FUNDING + LONG ASSETS → FUNDING RISK

7. IRRBB

Interest-rate risk arising from the banking book.

🎯 RATE CHANGE → BANKING BOOK RISK

8. KYC PERIODICITY

High risk: 2 years | Medium risk: 8 years | Low risk: 10 years.

🎯 2–8–10 → KYC MEMORY CODE

9. CDD

Understanding customer identity, relationship purpose and risk profile.

🎯 CDD → KNOW YOUR CUSTOMER

10. STR

Relevant where a transaction or attempted transaction gives rise to suspicion.

🎯 SUSPICION → STR

11. CTR

Relevant for reportable cash transactions under the applicable framework.

🎯 REPORTABLE CASH → CTR

12. MULE ACCOUNT

Unusual receipt-and-transfer patterns may indicate use of an account for illicit fund movement.

🎯 UNUSUAL MONEY FLOW → INVESTIGATE

13. SPEAR PHISHING

Highly targeted phishing against a specific person or organisation.

🎯 SPEAR → SPECIFIC TARGET

14. WHALING

Targeted phishing against senior or high-value individuals.

🎯 WHALE → SENIOR TARGET

15. TOKENISATION

Sensitive card information is replaced by a unique token.

🎯 TOKEN → PROTECT CARD DATA

16. STRONG AUTHENTICATION

Independent authentication factors strengthen verification and reduce unauthorised transaction risk.

🎯 TWO FACTORS → STRONGER AUTHENTICATION

17. TReDS

Facilitates financing of eligible MSME trade receivables.

🎯 MSME RECEIVABLES → TReDS

18. CONCENTRATION RISK

Excessive exposure to one borrower or connected group creates concentration risk.

🎯 LARGE EXPOSURE → CONCENTRATION RISK

19. NACH

Supports recurring electronic transactions and mandate-based payments.

🎯 RECURRING MANDATE → NACH

20. CRAR

Measures regulatory capital in relation to risk-weighted assets.

🎯 CAPITAL ÷ RWA → CRAR

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🏆 5-MINUTE POST-MOCK ANALYSIS

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📌 SCORE: ____ / 20

📌 WRONG: ____

📌 UNATTEMPTED: ____

📌 CONCEPTUAL ERRORS: ____

📌 CARELESS ERRORS: ____

📌 CURRENT-AFFAIRS 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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🚀 TAKE YOUR PREPARATION TO THE NEXT LEVEL

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IBR PREMIUM — LEARNING & PRACTICE

📘 Advanced PO & AFO Mains Mocks

📑 RBI Guideline Briefs

🧠 Banking Intelligence

📊 Current Affairs Analysis

🎯 Exam-Focused Practice

🔥 90-DAY PREMIUM ACCESS

👉 Register for IBR Premium and make daily practice part of your exam strategy.

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📢 IBR DAILY PRACTICE CHALLENGE

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🎯 TODAY: Attempt Vol. 186

📝 THEN: Record your score

🔍 NEXT: Identify 2 weak areas

📚 FINALLY: Revise before tomorrow's mock

ONE MOCK A DAY.

ONE SET OF WEAKNESSES LESS.

ONE STEP CLOSER TO EXAM READINESS.

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📲 FOLLOW • SHARE • GROW WITH IBR

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🔥 FINAL MANTRA

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FACT → RULE → APPLICATION → RISK → CONTROL → EXAM TRAP

🏦 THAT IS THE IBR INTELLIGENCE APPROACH.

🎯 READ SMART • THINK BANKING • ANSWER INTELLIGENTLY

— INDIAN BANKING RADAR (IBR)