🌾 INDIAN BANKING RADAR (IBR) - IBPS PRELIMS INTELLIGENCE MOCK

🌾 INDIAN BANKING RADAR (IBR)

📘 IBPS PRELIMS INTELLIGENCE MOCK

🔥 PLATINUM SERIES 2.0 | VOL. 180

📅 27 SEPTEMBER 2026 | SUNDAY

⚡ DAILY 15-MINUTE PRELIMS INTELLIGENCE TEST

🎯 TARGET: IBPS PO • IBPS Clerk/CSA • RRB

🏦 20 QUESTIONS | 20 MARKS | 15 MINUTES

❌ NEGATIVE MARKING: 0.25 MARK FOR EACH WRONG ANSWER

⭕ NO PENALTY FOR UNATTEMPTED QUESTIONS

Q1. Choose the word that is opposite in meaning to “resilient”:

A. Fragile

B. Stable

C. Durable

D. Strong

E. Flexible

Q2. Banks must ___ adequate liquidity to meet their payment and withdrawal obligations:

A. neglect

B. maintain

C. postpone

D. withdraw

E. eliminate

Q3. Choose the word that is closest in meaning to “prudent”:

A. Reckless

B. Temporary

C. Cautious

D. Uncertain

E. Excessive

Q4. Rearrange the following sentences to form a meaningful paragraph:

A. Digital banking has expanded access to financial services.

B. However, greater digital dependence also creates technology risks.

C. Banks therefore need strong cybersecurity and operational resilience.

D. Responsible technology governance is essential for maintaining customer trust.

A. A-B-C-D

B. B-A-C-D

C. A-C-B-D

D. B-C-A-D

E. C-A-B-D

Q5. Identify the grammatically incorrect part. If there is no error, choose E:

The rapid growth of digital payments / has created new opportunities for banks / but it also requires stronger controls / to manage technology and cyber risks / No error

A. The rapid growth of digital payments

B. has created new opportunities for banks

C. but it also requires stronger controls

D. to manage technology and cyber risks

E. No error

Q6. A bank’s deposits increased from ₹2,000 crore to ₹2,300 crore. What was the percentage increase:

A. 15%

B. 12%

C. 18%

D. 20%

E. 10%

Q7. The average of six numbers is 48. Five of the numbers are 35, 42, 49, 51 and 57. What is the sixth number:

A. 54

B. 55

C. 52

D. 56

E. 53

Q8. An amount of ₹96,000 is divided among three branches in the ratio 5:7:12. What amount is received by the second branch:

A. ₹24,000

B. ₹26,000

C. ₹28,000

D. ₹30,000

E. ₹32,000

Q9. A recruitment process received 1,200 applications. If 45% were approved and 20% of the approved applications were subsequently withdrawn, how many approved applications remained:

A. 432

B. 450

C. 480

D. 540

E. 360

Q10. A bank’s digital transactions increased from 2,000 lakh to 2,480 lakh. What was the percentage increase:

A. 20%

B. 22%

C. 25%

D. 26%

E. 24%

Q11. Five officers A, B, C, D and E sit in a row facing north. A sits at the extreme left. B sits immediately to the right of A. C sits immediately to the right of B. D sits to the left of E. Who sits at the extreme right:

A. Officer E

B. Officer C

C. Officer B

D. Officer D

E. Officer A

Q12. A person walks 10 metres east, then 6 metres north and finally 10 metres west. In which direction is the person from the starting point:

A. South

B. North

C. East

D. West

E. North-East

Q13. Consider the following statements:

All digital payments are electronic transactions.

Some electronic transactions are instant payments.

Conclusions:

I. Some electronic transactions are digital payments.

II. Some instant payments are electronic transactions.

Which conclusion follows logically:

A. Only conclusion I follows

B. Both conclusions I and II follow

C. Only conclusion II follows

D. Neither conclusion I nor II follows

E. Either conclusion I or II follows

Q14. If each letter in a word is replaced by the letter two positions ahead in the English alphabet, BANK becomes DCPM. Using the same rule, LOAN becomes:

A. NQCP

B. NQBO

C. MQCP

D. NQCP

E. MPBO

Q15. Five branches P, Q, R, S and T are located on a north-south line. Q is north of P. R is south of P. S is north of Q. T is south of R. Which branch is the second-northernmost:

A. P

B. S

C. R

D. T

E. Q

Q16. In the sequence C, E, A, B, D, F, which letter is third from the left:

A. A

B. E

C. A

D. B

E. D

Q17. According to the RBI’s September 2026 analysis, the credit-deposit ratio of Scheduled Commercial Banks was approximately what level in March 2026:

A. 78.5%

B. 82.2%

C. 84.7%

D. 76.4%

E. 88.1%

Q18. Which of the following is NOT a component of India’s foreign exchange reserves:

A. Foreign Currency Assets

B. Gold

C. Domestic bank credit

D. Special Drawing Rights

E. Reserve Position in the IMF

Q19. According to RBI Deputy Governor Rohit Jain’s September 2026 speech on resilient banking, which statement best reflects the changing approach to technology risk:

A. Technology risk is primarily an IT-department responsibility.

B. Technology investment should be separated from risk management.

C. Banks can transfer accountability to external technology providers.

D. Technology architecture is increasingly part of a bank’s risk architecture.

E. Cybersecurity is relevant only to digital-payment providers.

Q20. NABARD’s ST-SAO refinance category primarily relates to financing of:

A. Long-term industrial projects

B. Housing loans

C. Export credit

D. Infrastructure projects

E. Seasonal agricultural operations

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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 PLATINUM EXAM INTELLIGENCE

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📌 CURRENT-AFFAIRS LINK

RBI’s recent technology-risk messaging is highly relevant for Banking Awareness. Technology is no longer merely an operational support function; technology architecture is increasingly connected with the overall risk architecture of a bank. RBI’s September 2026 speech also stressed that technology may be outsourced, but accountability cannot be outsourced.

📌 REMEMBER FOR EXAM

• Technology risk = enterprise risk

• Cybersecurity = protection + resilience + recovery

• Third-party technology dependence creates concentration risk

• AI governance must accompany AI adoption

• Data quality is essential for sound risk decisions

• Boards and senior management retain responsibility

📌 BANKING CONCEPT

Credit-Deposit Ratio = Bank Credit ÷ Deposits × 100

A high CD ratio should not be interpreted in isolation. Funding profile, capital, profitability, risk-adjusted returns, liability composition and asset quality also matter.

📌 AFO/NABARD CONNECTION

ST-SAO = Short-Term Seasonal Agricultural Operations.

The concept is particularly important for IBPS AFO, NABARD and RRB examinations.

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🎯 SELF-ASSESSMENT

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18–20 → 🔥 PLATINUM LEVEL

15–17 → ⭐ STRONG PREPARATION

12–14 → 📘 NEED TARGETED REVISION

Below 12 → 🔄 REVISE + RETAKE

⚠️ This self-assessment is an IBR practice indicator and is NOT an official IBPS qualifying benchmark.

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🚀 IBR DAILY PRACTICE CHALLENGE

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Don’t just read current affairs.

LEARN → PRACTISE → TIME → ANALYSE → REVISE → IMPROVE

📍 Today’s challenge:

Can you score 18+ in 15 minutes without guessing?

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🌐 JOIN THE IBR INTELLIGENCE ECOSYSTEM

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