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

🔥 PLATINUM SERIES 2.0 | VOL. 187

📅 3 OCTOBER 2026 | SATURDAY

🎯 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.

Test your knowledge without checking answers or using shortcuts.

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🔥 SECTION A — INTELLIGENCE TEST

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Q1. A bank has adequate capital ratios but its supervisor identifies weaknesses in its internal capital assessment, risk-management systems and governance framework. Which Basel pillar primarily addresses supervisory review of these areas:

A. Pillar 2

B. Pillar 1

C. Pillar 3

D. Capital Conservation Buffer

E. Leverage Ratio

Q2. A bank's CET1 ratio falls during a period of financial stress. Management is examining the regulatory buffer designed to allow banks to absorb losses while continuing normal operations. Which buffer is most relevant:

A. Liquidity Coverage Buffer

B. Capital Conservation Buffer

C. Net Stable Funding Buffer

D. Large Exposure Buffer

E. Settlement Risk Buffer

Q3. A bank has eligible CET1 capital of ₹15,000 crore and risk-weighted assets of ₹2,00,000 crore. Ignoring regulatory adjustments, its CET1 ratio is:

A. 6.00%

B. 6.50%

C. 7.50%

D. 8.00%

E. 10.00%

Q4. A bank reports HQLA of ₹30,000 crore and prescribed net cash outflows of ₹24,000 crore. Ignoring other adjustments, its LCR is:

A. 110%

B. 115%

C. 120%

D. 125%

E. 130%

Q5. A bank's assets include a large proportion of long-term loans, while its funding increasingly comes from short-term sources. Which Basel III measure is most directly relevant to assessing the structural stability of this funding profile:

A. CET1 Ratio

B. LCR

C. CRAR

D. Leverage Ratio

E. NSFR

Q6. A borrower's repayment performance begins to deteriorate, and instalments remain overdue beyond the initial threshold but the account has not yet become an NPA. The bank wants to recognise the stress at an early stage. Which classification is relevant:

A. SMA

B. Doubtful Asset

C. Loss Asset

D. Written-off Account

E. Restructured Standard Asset

Q7. A bank identifies a loan account where the borrower's financial position has weakened and the bank estimates that a portion of the exposure may not ultimately be recovered. Which credit-risk response is most directly relevant:

A. Increasing the sanctioned limit

B. Recognising appropriate provisions for credit losses in accordance with the applicable regulatory framework

C. Removing transaction monitoring

D. Converting the loan into a savings account

E. Increasing the customer's cash-withdrawal limit

Q8. During CDD, a company provides a complex ownership structure involving several entities. The bank must establish the natural person who ultimately owns or controls the customer. Which requirement is being addressed:

A. Nominee verification

B. Credit scoring

C. Beneficial ownership identification

D. Collateral verification

E. Account reconciliation

Q9. A prospective customer is identified as a person entrusted with a prominent public function. Under the applicable AML/KYC framework, the bank should apply the prescribed additional controls associated with such customers. The customer is classified as a:

A. Dormant Customer

B. High-value Customer

C. Correspondent Customer

D. Politically Exposed Person

E. Small Account Holder

Q10. A transaction-monitoring system identifies a series of unusually large transfers inconsistent with a customer's known business profile. After appropriate examination, the activity gives rise to suspicion of money laundering. Which reporting mechanism is relevant:

A. Credit Information Report

B. Cash Reserve Report

C. ALM Return

D. Basel Disclosure

E. Suspicious Transaction Report

Q11. A fraudster calls a customer pretending to be a bank official and persuades the customer to reveal an OTP. The fraudulent communication is primarily an example of:

A. Vishing

B. Smishing

C. Pharming

D. Whaling

E. Card skimming

Q12. A customer receives an SMS stating that the bank account will be blocked unless the customer immediately clicks a link and enters login credentials. This attack is best described as:

A. Vishing

B. Smishing

C. Pharming

D. Whaling

E. Spoofing of caller ID

Q13. A card payment system replaces sensitive card credentials with a unique alternative value so that the underlying card information is not directly exposed during the transaction. Which technology is being used:

A. Credential stuffing

B. Phishing

C. Tokenisation

D. Card trapping

E. Shoulder surfing

Q14. An eligible MSME wants to obtain financing against its trade receivables through an electronic platform connecting sellers, buyers and financiers. Which platform is specifically designed for this purpose:

A. CERSAI

B. CKYCR

C. CTS

D. TReDS

E. SWIFT

Q15. A customer gives an electronic mandate for recurring debits such as insurance premiums, utility payments or loan instalments. Which payment system is primarily associated with such recurring mandates:

A. RTGS

B. NEFT

C. CTS

D. SWIFT

E. NACH

Q16. A bank has significant lending exposure to the same sector. A sharp downturn in that sector could cause simultaneous stress across several otherwise unrelated borrowers. Which risk is most directly illustrated:

A. Sectoral concentration risk

B. Settlement risk

C. Foreign exchange risk

D. Legal risk

E. Reputational risk

Q17. A bank's exposure to a single borrower and its connected entities becomes disproportionately large relative to its capital base. Which prudential framework is specifically designed to control such excessive counterparty exposure:

A. LCR Framework

B. Large Exposure Framework

C. NSFR Framework

D. KYC Framework

E. CRR Framework

Q18. A bank's treasury team assesses how a parallel upward shift in interest rates could reduce the economic value of its banking-book positions. Which measure/perspective is particularly relevant to this assessment:

A. Gross NPA Ratio

B. Liquidity Coverage Ratio

C. Economic Value of Equity

D. Cash Reserve Ratio

E. Provision Coverage Ratio

Q19. A bank's Tier 1 capital is ₹12,000 crore and its applicable leverage-ratio exposure measure is ₹1,50,000 crore. Ignoring other adjustments, the leverage ratio is:

A. 5%

B. 6%

C. 7%

D. 8%

E. 10%

Q20. A bank wants to reduce the risk that possession of a single authentication credential will be sufficient to authorise a digital transaction. Which control most directly addresses this objective:

A. Increasing the customer's transaction limit

B. Removing transaction alerts

C. Waiving periodic KYC

D. Increasing cash-withdrawal limits

E. Using authentication based on two independent factors

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🗝️ 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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🔥 REGISTER IN IBR PREMIUM SECTION

🎁 90 DAYS UNLIMITED MOCK TESTS

📚 MOCK TESTS FOR:

🎯 IBPS Prelims

🏦 IBPS PO Mains

🌾 IBPS AFO

🏛️ DCCB & PACS Exams

📘 JAIIB

🎓 CAIIB

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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 2

Supervisory review of a bank's capital adequacy, risk profile and risk-management processes.

🎯 PILLAR 2 → SUPERVISORY REVIEW

2. CAPITAL CONSERVATION BUFFER

Additional CET1 buffer intended to strengthen resilience and absorb losses during stress. Under Basel III, drawing down the buffer can trigger constraints on capital distributions.

🎯 CCB → CAPITAL CUSHION

3. CET1 RATIO

CET1 Capital ÷ RWA × 100.

🎯 CET1 → HIGHEST-QUALITY CAPITAL

4. LCR

HQLA relative to prescribed net cash outflows over a 30-calendar-day stress period. Under the Basel III minimum, the ratio is generally expected to be at least 100%, subject to applicable jurisdictional requirements.

🎯 LCR → SHORT-TERM LIQUIDITY

5. NSFR

Available Stable Funding relative to Required Stable Funding, measured over a longer-term horizon.

🎯 NSFR → STRUCTURAL FUNDING

6. SMA

Recognises loan-account stress before the account reaches NPA classification. For applicable term loans, SMA-0 generally covers overdue up to 30 days, SMA-1 over 30 days and up to 60 days, and SMA-2 over 60 days and up to 90 days, subject to the applicable regulatory framework.

🎯 SMA → EARLY STRESS

7. PROVISIONING

Banks recognise appropriate provisions for credit losses in accordance with the applicable prudential and accounting framework. Provisioning requirements may differ from accounting expected-credit-loss approaches where applicable.

🎯 CREDIT RISK → PROVISION

8. BENEFICIAL OWNER

The natural person who ultimately owns or controls the customer, as determined under the applicable AML/KYC rules.

🎯 BO → ULTIMATE OWNERSHIP/CONTROL

9. PEP

A person entrusted with a prominent public function, subject to applicable enhanced due-diligence, senior-management approval, source-of-wealth/source-of-funds and ongoing-monitoring requirements.

🎯 PEP → ENHANCED AML CONTROLS

10. STR

Suspicious Transaction Report relating to transactions giving rise to suspicion under the applicable AML framework. Suspicion is not limited to transactions involving cash or a particular minimum amount.

🎯 SUSPICION → STR

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🏆 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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🔥 REGISTER IN IBR PREMIUM

🎁 90 DAYS UNLIMITED MOCK TESTS

🎯 IBPS Prelims

🏦 IBPS PO Mains

🌾 IBPS AFO

🏛️ DCCB & PACS Exams

📘 JAIIB

🎓 CAIIB

👉 Register with Email ID or Google account.

DON'T WAIT FOR THE EXAM TO TEST YOUR PREPARATION.

TEST YOURSELF EVERY DAY.

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📢 IBR DAILY PRACTICE CHALLENGE

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🎯 TODAY: Attempt Vol. 187

📝 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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👍 LIKE today's bulletin

🔄 SHARE with your banking-exam friends

📲 FORWARD to your study group

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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

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