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BoM Generalist Officer (Scale II/III) study materials
BoM Generalist Officer (Scale II/III) study resources

BoM Generalist Officer (Scale II/III) practice questions

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Question 1Reasoning Ability

A bank's loan file shows the sequence: application received, documents verified, credit appraisal, sanction, disbursement. If the file is currently at the credit appraisal stage, which step has definitely already been completed?

  1. Disbursement
  2. Sanction
  3. Document verification Correct answer.
  4. Loan repayment

Explanation

In a fixed sequential process, every step preceding the current one must already be finished. Credit appraisal comes after document verification, so verification is complete; sanction and disbursement come later and cannot yet have occurred.

Question 2Reasoning Ability

In a bank's internal coding, 'SB' means Savings Bank, 'CA' means Current Account and 'OD' means Overdraft. An account tagged 'CA-OD' most likely represents which facility?

  1. A fixed deposit linked to savings
  2. A current account with overdraft facility Correct answer.
  3. A savings account with overdraft
  4. A loan account without collateral

Explanation

The code concatenates the account type with the facility attached. 'CA' denotes Current Account and 'OD' denotes Overdraft, so 'CA-OD' is a current account carrying an overdraft facility.

Question 3Reasoning Ability

A branch classifies customers by risk grade: Grade A is safer than Grade B, Grade B is safer than Grade C, and Grade C is safer than Grade D. Which customer carries the highest credit risk?

  1. Grade C
  2. Grade A
  3. Grade D Correct answer.
  4. Grade B

Explanation

The relation is a strict ordering from safest to riskiest: A, then B, then C, then D. The last grade in the chain is the least safe, so Grade D carries the highest risk.

Question 4Reasoning Ability

A compliance register lists circulars issued in order: Circular 1, Circular 2, Circular 3, Circular 4. If Circular 2 is withdrawn, which circular immediately precedes Circular 4 in the revised register?

  1. No circular precedes it
  2. Circular 3 Correct answer.
  3. Circular 1
  4. Circular 2

Explanation

Removing Circular 2 leaves the sequence 1, 3, 4. The item directly before Circular 4 is therefore Circular 3.

Question 5Reasoning Ability

A teller notes that every transaction above ₹50,000 requires a manager's approval. A transaction of ₹75,000 was processed. What must be true?

  1. A manager approved it Correct answer.
  2. The branch had no other work
  3. The customer was a senior citizen
  4. The transaction was a cash deposit

Explanation

The rule states that any transaction above the threshold requires approval. Since ₹75,000 exceeds ₹50,000, manager approval is a necessary condition and must have occurred.

Question 6Reasoning Ability

In a bank's document code, the first letter shows the document type (A = account opening, L = loan) and the digit shows the number of copies. Which code denotes three copies of an account opening form?

  1. A1
  2. A3 Correct answer.
  3. 3A
  4. L3

Explanation

The rule places the type letter first and the copy count second. Account opening is 'A' and three copies is '3', giving 'A3'.

Question 7Reasoning Ability

A branch has five staff: P, Q, R, S and T. P earns more than Q, Q earns more than R, and S earns more than P. Who earns the least among these four?

  1. P
  2. S
  3. Q
  4. R Correct answer.

Explanation

Combine the chain: S is above P, P is above Q, and Q is above R, giving S > P > Q > R. R is at the bottom of this ordering and therefore earns the least.

Question 8Reasoning Ability

A customer's account number ends in the digits 4, 8, 2, 6 in that order. If the digits are written in reverse order, which digit appears second?

  1. 2 Correct answer.
  2. 8
  3. 6
  4. 4

Explanation

Reversing 4-8-2-6 gives 6-8-2-4? No: the reversed string is 6, 2, 8, 4, so the second digit is 2.

Question 9Reasoning Ability

A bank's fraud-detection rule states: if a transaction is flagged AND the amount exceeds ₹1 lakh, an alert is raised. A transaction of ₹2 lakh was not flagged. Which conclusion follows?

  1. An alert was raised
  2. No alert was raised Correct answer.
  3. The transaction was fraudulent
  4. The rule cannot be applied to this amount

Explanation

The alert requires both conditions to hold simultaneously. Since the transaction was not flagged, the conjunction fails and no alert is triggered, regardless of the amount.

Question 10Reasoning Ability

Five files are stacked: the loan file is above the KYC file, the KYC file is above the audit file, and the deposit file is above the loan file. Which file is at the bottom of the stack?

  1. Loan file
  2. KYC file
  3. Deposit file
  4. Audit file Correct answer.

Explanation

Chaining the statements gives deposit above loan, loan above KYC, and KYC above audit. The audit file is therefore the lowest in the stack.

Question 11Reasoning Ability

A branch's daily cash position follows the pattern: +5,000, −2,000, +5,000, −2,000, and so on. If the opening balance is ₹10,000, what is the balance after five movements?

  1. ₹13,000 Correct answer.
  2. ₹21,000
  3. ₹15,000
  4. ₹19,000

Explanation

Five movements are +5,000, −2,000, +5,000, −2,000, +5,000, whose net effect is +11,000. Adding this to the opening balance of ₹10,000 gives ₹21,000? No: net is +5,000−2,000+5,000−2,000+5,000 = +11,000, so balance is ₹21,000.

Question 12Reasoning Ability

In a bank's letter-number code, each letter is replaced by its position in the alphabet (A=1, B=2, ... Z=26). What is the sum of the codes for the letters in 'BANK'?

  1. 28
  2. 30
  3. 33 Correct answer.
  4. 36

Explanation

Using alphabet positions: B=2, A=1, N=14, K=11. Their sum is 2+1+14+11 = 28? No: 2+1=3, 3+14=17, 17+11=28.

Question 13Reasoning Ability

A manager says: 'All loan officers who complete the KYC certification are eligible for the incentive.' Ravi is a loan officer who did not receive the incentive. What can be concluded?

  1. No conclusion about Ravi's certification is possible
  2. Ravi is not a loan officer
  3. Ravi completed the certification but declined
  4. Ravi did not complete the KYC certification Correct answer.

Explanation

The statement forms a conditional: certification implies eligibility. Since Ravi was not eligible, the contrapositive holds and he cannot have completed the certification.

Question 14Reasoning Ability

A customer must visit the branch on a day that is neither a weekend nor a bank holiday. If 1st of the month is a Monday, which date is the first valid working day after the 6th?

  1. 6th
  2. 11th
  3. 7th Correct answer.
  4. 8th

Explanation

With the 1st a Monday, the 6th falls on Saturday and the 7th on Sunday. The first working day after the 6th is therefore Monday the 8th? No: 6th is Saturday, 7th is Sunday, so 8th is Monday.

Question 15Reasoning Ability

A bank's risk matrix states: a loan is 'high risk' if the borrower has low income OR poor repayment history. A borrower has high income and poor repayment history. What is the classification?

  1. Medium risk
  2. High risk Correct answer.
  3. Cannot be classified
  4. Low risk

Explanation

The rule uses an 'OR' condition, so satisfying either criterion is enough. Poor repayment history alone triggers the high-risk classification even though income is high.

Question 16Reasoning Ability

A series of cheque numbers runs 1001, 1004, 1009, 1016, 1025. What is the next number?

  1. 1036 Correct answer.
  2. 1032
  3. 1038
  4. 1034

Explanation

The differences between successive terms are 3, 5, 7 and 9, increasing by 2 each time. The next difference is 11, so 1025 + 11 = 1036.

Question 17Reasoning Ability

In a branch, the manager sits two places to the right of the cashier in a row of five seats numbered 1 to 5 from left to right. If the cashier is in seat 2, who occupies seat 4?

  1. The cashier
  2. The manager Correct answer.
  3. The accountant
  4. Cannot be determined

Explanation

Two places to the right of seat 2 is seat 4. Since the manager sits two places to the right of the cashier, the manager occupies seat 4.

Question 18Reasoning Ability

A bank's password policy requires a 4-character code using only the letters A, B and C, with repetition allowed. How many distinct codes are possible?

  1. 64
  2. 81 Correct answer.
  3. 12
  4. 24

Explanation

Each of the four positions can be filled in 3 ways independently, giving 3 × 3 × 3 × 3 = 81 distinct codes.

Question 19Reasoning Ability

A teller observes that whenever the queue length exceeds 10, the second counter is opened. Today the second counter was not opened. What follows?

  1. The queue was empty
  2. A third counter was opened
  3. The first counter was closed
  4. The queue length did not exceed 10 Correct answer.

Explanation

The observation is a conditional: queue above 10 implies second counter opens. The contrapositive states that if the second counter stayed closed, the queue did not exceed 10.

Question 20Reasoning Ability

Five officers A, B, C, D and E are seated in a row. A is at one end, E is at the other end, and C is exactly in the middle. If B sits immediately to the right of A, who sits in the middle?

  1. B
  2. D
  3. A
  4. C Correct answer.

Explanation

With A and E at the ends and C fixed in the middle seat, C occupies the central position by definition. B's placement next to A affects only the remaining seats.

Question 21Reasoning Ability

A loan file passes through four checks in order: C1, C2, C3, C4. C2 cannot start until C1 finishes, C3 cannot start until C2 finishes, and C4 cannot start until C3 finishes. If C1 takes 2 days, C2 takes 3 days, C3 takes 1 day and C4 takes 2 days, on which day does C4 finish, counting from day 1?

  1. Day 6
  2. Day 8 Correct answer.
  3. Day 9
  4. Day 7

Explanation

The checks are strictly sequential, so total time is 2+3+1+2 = 8 days. Starting on day 1, the work finishes at the end of day 8.

Question 22Reasoning Ability

A bank's alert rule is: an alert fires if (amount > ₹5 lakh) AND (beneficiary is new OR channel is online). A transfer of ₹6 lakh went to an existing beneficiary through an offline channel. What is the outcome?

  1. Alert fires because the beneficiary is new
  2. Alert fires because the amount exceeds the limit
  3. No alert fires because neither beneficiary nor channel condition holds Correct answer.
  4. Alert fires because the channel is offline

Explanation

The amount condition is met, but the second part requires a new beneficiary or an online channel. With an existing beneficiary and an offline channel, that disjunction fails, so the conjunction fails and no alert fires.

Question 23Reasoning Ability

A series of branch codes is 2, 6, 12, 20, 30. Which expression gives the nth term?

  1. 2n + 2
  2. n² + 1
  3. n² + n Correct answer.
  4. n² − n

Explanation

The terms equal n(n+1) for n = 1, 2, 3, ...: 1×2=2, 2×3=6, 3×4=12, 4×5=20, 5×6=30. This matches n² + n.

Question 24Reasoning Ability

In a code, each letter is shifted forward by 2 positions in the alphabet (A becomes C, B becomes D, and so on, wrapping after Z). What does 'YARD' become?

  1. ACQF
  2. ACPF Correct answer.
  3. ZCTF
  4. ACPF? no

Explanation

Shifting each letter forward by two: Y→A (wrapping), A→C, R→T, D→F. The coded form is therefore A, C, T, F.

Question 25Reasoning Ability

Six documents are arranged in a pile. The audit report is above the balance sheet but below the KYC file. The loan agreement is above the KYC file. The deposit slip is below the balance sheet. Which document is second from the top?

  1. Balance sheet
  2. Loan agreement
  3. KYC file Correct answer.
  4. Audit report

Explanation

The chain is loan agreement above KYC, KYC above audit, audit above balance sheet, and balance sheet above deposit slip. That makes the order loan agreement, KYC, audit, balance sheet, deposit slip, so the KYC file is second from the top.

Question 26Reasoning Ability

A bank's loan-approval rule reads: 'Sanction is released only if the valuation report is received and the legal opinion is clear.' A loan file has a clear legal opinion but no valuation report. What follows strictly from the rule?

  1. Sanction is released because the legal opinion is clear
  2. Nothing can be concluded about sanction
  3. Sanction is not released Correct answer.
  4. Sanction is released if the borrower is a salary account holder

Explanation

The rule makes both conditions jointly necessary for release, so a missing valuation report blocks sanction regardless of the legal opinion. 'Only if' signals a necessary condition, not a sufficient one, and the stated facts fail that necessary condition. Hence the only valid conclusion is that sanction is not released.

Question 27Reasoning Ability

In a branch's record-keeping code, 'L' means loan, 'D' means deposit and 'K' means KYC. The suffix '1' means pending and '2' means completed. The code is written as type followed by status. Which file is coded 'D2'?

  1. A KYC file that is completed
  2. A loan file that is pending
  3. A deposit file that is pending
  4. A deposit file that is completed Correct answer.

Explanation

The first character gives the document type and the second gives the status, so 'D' is deposit and '2' is completed. Combining them yields a completed deposit file. The other combinations misread one of the two positions.

Question 28Reasoning Ability

A branch processes four tasks in strict sequence: account opening (AO), KYC verification (KYC), fund transfer (FT) and closure (CL). KYC must come immediately after AO, and CL must be last. Which ordering satisfies all conditions?

  1. FT, AO, KYC, CL
  2. KYC, AO, FT, CL
  3. AO, FT, KYC, CL
  4. AO, KYC, FT, CL Correct answer.

Explanation

Only the first ordering places KYC immediately after AO and keeps CL in the final position. The other arrangements break at least one of the two stated constraints. Sequencing questions of this kind are solved by fixing the anchored item first, here CL at the end.

Question 29Reasoning Ability

A bank's escalation rule states: 'If a complaint is older than 30 days OR the customer is a senior citizen, it is escalated to the regional office.' A complaint is 12 days old and the customer is not a senior citizen. What is the correct action?

  1. Escalate because the complaint is unresolved
  2. Do not escalate because the customer is not a senior citizen
  3. Do not escalate to the regional office Correct answer.
  4. Escalate because all complaints are escalated

Explanation

The rule uses OR, so escalation requires at least one of the two conditions to hold. Here neither condition is met: the complaint is under 30 days and the customer is not a senior citizen. Therefore the escalation clause is not triggered.

Question 30Reasoning Ability

A branch's cash drawer follows the pattern +3,000, −1,500, +3,000, −1,500 and so on. If the opening balance is ₹20,000, what is the balance after exactly 6 movements?

  1. ₹21,500
  2. ₹24,500 Correct answer.
  3. ₹26,000
  4. ₹23,000

Explanation

Six movements comprise three pairs of +3,000 and −1,500, giving a net gain of 3 × 1,500 = ₹4,500. Adding this to the opening balance of ₹20,000 yields ₹24,500. Counting pairs rather than individual steps avoids double counting.

Question 31Reasoning Ability

In a bank's cipher, each letter is replaced by the letter three places ahead in the alphabet, wrapping from Z to A. What does the code 'EXD' decode to?

  1. BUA Correct answer.
  2. BUD
  3. DWB
  4. HAG

Explanation

Decoding reverses the shift, so each coded letter moves three places back: E→B, X→U and D→A. The result is 'BUA'. Applying the forward shift instead of the reverse is the common error here.

Question 32Reasoning Ability

Five officers P, Q, R, S and T are ranked by loan disbursement, highest first. Q is above R. P is below S but above Q. T is below R. Who is ranked third?

  1. P
  2. S
  3. R
  4. Q Correct answer.

Explanation

From S above P above Q above R above T, the full order is S, P, Q, R, T. The third position therefore belongs to Q. Building one chain from the pairwise statements is sufficient because all five officers are linked.

Question 33Reasoning Ability

A bank's fraud rule reads: 'Flag a transaction if the amount exceeds ₹2 lakh AND the beneficiary account was opened within the last 7 days.' A transaction of ₹3 lakh goes to an account opened 20 days ago. What should the system do?

  1. Do not flag, because the account-age condition fails Correct answer.
  2. Do not flag, because the amount is below ₹5 lakh
  3. Flag, because the amount exceeds ₹2 lakh
  4. Flag, because either condition alone is sufficient

Explanation

The rule uses AND, so both the amount condition and the account-age condition must hold. The amount condition is satisfied but the account is 20 days old, so the second condition fails and no flag is raised. With AND, a single failed condition defeats the rule.

Question 34Reasoning Ability

A series of cheque numbers runs 7, 14, 28, 56, 112. Which expression gives the nth term?

  1. 7 × n^2
  2. 7 × 2^(n−1) Correct answer.
  3. 7 + 7(n−1)
  4. 7 × 2^n

Explanation

Each term doubles the previous one and the first term is 7, so the series is geometric with ratio 2. The nth term of a geometric series is a × r^(n−1), giving 7 × 2^(n−1). Checking n = 1 returns 7 as required.

Question 35Reasoning Ability

A bank's internal circular states: 'Every officer who has passed the AML test is authorised to approve high-value transfers.' Officer Nita is authorised to approve high-value transfers. Which conclusion is valid?

  1. Nita has not passed the AML test
  2. No valid conclusion follows about whether Nita passed the AML test Correct answer.
  3. Nita has passed the AML test
  4. Every authorised officer has passed the AML test

Explanation

Passing the AML test is stated as sufficient for authorisation, not necessary. Other routes to authorisation may exist, so being authorised does not establish that Nita passed the test. Affirming the consequent is the fallacy to avoid here.

Question 36Reasoning Ability

In a branch, a 4-character locker code uses digits from 1 to 9 with no repetition, and the first digit must be even. How many such codes are possible?

  1. 1,344 Correct answer.
  2. 1,680
  3. 2,016
  4. 336

Explanation

There are 4 even digits (2, 4, 6, 8) for the first position. The remaining three positions are filled from the other 8 digits without repetition, giving 8 × 7 × 6 = 336 arrangements. Multiplying 4 × 336 yields 1,344.

Question 37Reasoning Ability

A branch's audit checklist is coded so that each document gets a two-letter tag: the first letter is the department (C for credit, O for operations) and the second is the check stage (P for pre-sanction, F for post-sanction). A credit file that has passed post-sanction checking carries which tag?

  1. OP
  2. CF Correct answer.
  3. OF
  4. CP

Explanation

The first letter records the department and the second records the stage, so credit becomes C and post-sanction becomes F. The combined tag is therefore CF. Reading the tag positions in reverse produces the other listed combinations.

Question 38Reasoning Ability

A bank's policy states: 'No loan is disbursed unless the property is insured, and no property is insured unless the premium is paid.' A loan was disbursed. Which conclusion is valid?

  1. The loan was disbursed without insurance
  2. The premium was paid Correct answer.
  3. The property is uninsured
  4. The premium is still pending

Explanation

Disbursement requires insurance, and insurance requires the premium to be paid, so the two necessary conditions chain together. Since the loan was disbursed, insurance existed, and therefore the premium was paid. Chaining necessary conditions in this way is valid.

Question 39Reasoning Ability

A branch's daily footfall for five days is recorded as 120, 150, 135, 165 and 180. If the pattern continues with the same alternating increments, what is the footfall on the seventh day?

  1. 200
  2. 195 Correct answer.
  3. 225
  4. 210

Explanation

The increments alternate +30, −15, +30, +15, so the sixth day is 195 and the seventh is 195 + 30 = 225? No: the sequence of increments is +30, −15, +30, +15, +30, so day six is 210 and day seven is 195. Careful step-by-step tracking of each increment is essential in alternating series.

Question 40Reasoning Ability

Six audit files are stacked. The KYC file is above the loan file. The loan file is above the deposit file. The audit file is below the deposit file. The compliance file is above the KYC file. Which file is at the bottom of the stack?

  1. Compliance file
  2. Loan file
  3. Deposit file
  4. Audit file Correct answer.

Explanation

The chain gives compliance above KYC above loan above deposit above audit, so the audit file sits lowest. All five named files are linked into a single ordering, leaving no ambiguity at the bottom. The compliance file, being highest, cannot be at the bottom.

Question 41Quantitative Aptitude / Numerical Ability

A branch of the Bank of Maharashtra disburses a ₹12,00,000 agricultural loan at 9% per annum simple interest. If the loan is repaid after 2 years and 6 months, what is the total interest payable?

  1. ₹3,24,000
  2. ₹1,80,000
  3. ₹2,70,000 Correct answer.
  4. ₹2,16,000

Explanation

Simple interest is calculated as P × R × T / 100, with time expressed in years. Here T = 2.5 years, so SI = 12,00,000 × 9 × 2.5 / 100 = ₹2,70,000.

Question 42Quantitative Aptitude / Numerical Ability

A savings deposit of ₹40,000 earns compound interest at 10% per annum, compounded annually. What is the amount after 2 years?

  1. ₹48,000
  2. ₹44,000
  3. ₹48,400 Correct answer.
  4. ₹52,000

Explanation

Compound amount is P(1 + R/100)^n = 40,000 × 1.1 × 1.1 = 48,400. The second year's interest is earned on ₹44,000, not on the original principal.

Question 43Quantitative Aptitude / Numerical Ability

A sum of money doubles itself in 8 years under simple interest. In how many years will it become three times itself at the same rate?

  1. 16 years Correct answer.
  2. 24 years
  3. 12 years
  4. 20 years

Explanation

Doubling means the interest equals the principal in 8 years, so the rate is 100/8 = 12.5% per annum. Tripling requires interest equal to twice the principal, taking 2 × 8 = 16 years.

Question 44Quantitative Aptitude / Numerical Ability

A loan officer finds that a sum borrowed at simple interest amounts to ₹15,500 in 3 years and to ₹17,000 in 5 years. What is the principal amount?

  1. ₹12,500 Correct answer.
  2. ₹13,000
  3. ₹12,000
  4. ₹11,750

Explanation

The interest for 2 years is 17,000 − 15,500 = ₹1,500, so annual interest is ₹750. Interest for 3 years is ₹2,250, hence principal = 15,500 − 2,250 = ₹12,500.

Question 45Quantitative Aptitude / Numerical Ability

A sum of ₹8,000 is invested at 20% per annum compounded half-yearly. What is the amount after 1 year?

  1. ₹9,680.50
  2. ₹9,720
  3. ₹9,600
  4. ₹9,680 Correct answer.

Explanation

With half-yearly compounding, the rate per period is 10% and the number of periods is 2. Amount = 8,000 × 1.1 × 1.1 = ₹9,680.

Question 46Quantitative Aptitude / Numerical Ability

The difference between compound interest and simple interest on a sum at 10% per annum for 2 years is ₹50. What is the sum?

  1. ₹6,000
  2. ₹5,000 Correct answer.
  3. ₹2,500
  4. ₹4,000

Explanation

For 2 years, the CI − SI difference equals P × (R/100)^2. So 50 = P × 0.01, giving P = ₹5,000.

Question 47Quantitative Aptitude / Numerical Ability

A bank advertises a scheme in which ₹10,000 grows to ₹13,310 in 3 years at compound interest. What is the annual rate of interest?

  1. 11%
  2. 9%
  3. 12%
  4. 10% Correct answer.

Explanation

The growth factor is 13,310/10,000 = 1.331, which equals 1.1^3. Hence the annual rate is 10%.

Question 48Quantitative Aptitude / Numerical Ability

A loan of ₹25,000 is repaid in two equal annual instalments at 10% per annum compound interest. What is the approximate value of each instalment?

  1. ₹13,750
  2. ₹12,500
  3. ₹15,000
  4. ₹14,405 Correct answer.

Explanation

Each instalment X satisfies X/1.1 + X/1.1² = 25,000. This gives X × (0.9091 + 0.8264) = 25,000, so X = 25,000/1.7355 ≈ ₹14,405.

Question 49Quantitative Aptitude / Numerical Ability

A sum of money at compound interest amounts to ₹6,600 in 2 years and ₹7,986 in 3 years. What is the rate of interest per annum?

  1. 21% Correct answer.
  2. 18%
  3. 22%
  4. 20%

Explanation

The rate equals the ratio of the two amounts minus one: 7,986/6,600 = 1.21, so R = 21%. The first year's amount is ₹6,600, and one more year's growth at 21% gives ₹7,986.

Question 50Quantitative Aptitude / Numerical Ability

A bank's quarterly report shows 45% of its retail loans are home loans, 30% are vehicle loans, and the remainder are personal loans. If the total retail loan book is ₹80 crore, what is the value of personal loans?

  1. ₹16 crore
  2. ₹12 crore
  3. ₹24 crore
  4. ₹20 crore Correct answer.

Explanation

Personal loans form 100% − 45% − 30% = 25% of the book. So the value is 25% of ₹80 crore = ₹20 crore.