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RBI Security Guard practice questions

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Question 1General Awareness

The Reserve Bank of India was established on which date, a fact often asked in general awareness sections of bank recruitment exams?

  1. 26 January 1950
  2. 15 August 1947
  3. 1 April 1935 Correct answer.
  4. 1 January 1949

Explanation

The Reserve Bank of India commenced operations on 1 April 1935 under the Reserve Bank of India Act, 1934. It was nationalised on 1 January 1949, which is a separate milestone. Candidates should keep the founding date and the nationalisation date distinct.

Question 2General Awareness

Which body is responsible for formulating and implementing monetary policy in India?

  1. NITI Aayog
  2. Reserve Bank of India Correct answer.
  3. Ministry of Finance
  4. Securities and Exchange Board of India

Explanation

Under the RBI Act, monetary policy is framed and implemented by the Reserve Bank of India through its Monetary Policy Committee. The Ministry of Finance handles fiscal policy, while SEBI regulates securities markets and NITI Aayog is a policy think tank.

Question 3General Awareness

In Indian currency notes, the signature appearing above the promise clause belongs to which office holder?

  1. Finance Secretary
  2. Governor of the Reserve Bank of India Correct answer.
  3. President of India
  4. Comptroller and Auditor General

Explanation

Indian banknotes carry the signature of the Governor of the Reserve Bank of India, who signs on behalf of the central bank. The President's signature appears on coins issued by the Government of India, which is a different arrangement.

Question 4General Awareness

Which of the following is the apex bank for agriculture and rural development in India?

  1. EXIM Bank
  2. NABARD Correct answer.
  3. RBI
  4. SIDBI

Explanation

NABARD, the National Bank for Agriculture and Rural Development, is the apex institution for credit and development in rural and agricultural sectors. SIDBI serves small industries, EXIM Bank handles foreign trade finance, and the RBI is the central bank.

Question 5General Awareness

The term 'repo rate' in Indian banking refers to which of the following?

  1. Rate of interest paid on savings accounts
  2. Rate at which the RBI lends short-term funds to banks against securities Correct answer.
  3. Rate at which banks lend to customers
  4. Rate at which banks lend to each other overnight

Explanation

Repo rate is the rate at which the RBI provides short-term liquidity to banks against government securities under repurchase agreements. It is a key policy tool for controlling inflation and money supply. It is different from the reverse repo, bank lending rates and interbank call rates.

Question 6General Awareness

Which of the following is the currency of Japan, a fact useful in general awareness questions on international currencies?

  1. Yen Correct answer.
  2. Won
  3. Yuan
  4. Ringgit

Explanation

The Japanese currency is the yen, often denoted by the symbol ¥. The won belongs to South Korea, the yuan to China, and the ringgit to Malaysia.

Question 7General Awareness

The headquarters of the Reserve Bank of India is located in which city?

  1. Chennai
  2. Mumbai Correct answer.
  3. New Delhi
  4. Kolkata

Explanation

The RBI's central office, which controls monetary policy and currency issuance, is located in Mumbai. It was shifted from Kolkata to Mumbai in 1937. Regional offices exist in many cities, but the headquarters is in Mumbai.

Question 8General Awareness

Which of the following is a fundamental duty listed in the Constitution of India, relevant to general awareness for security personnel?

  1. To protect and improve the natural environment Correct answer.
  2. To vote in every election
  3. To join the armed forces
  4. To pay taxes promptly

Explanation

Article 51A of the Constitution lists fundamental duties, including protecting and improving the natural environment and having compassion for living creatures. Paying taxes and voting are civic responsibilities but are not listed as fundamental duties. Joining the armed forces is not a constitutional duty.

Question 9General Awareness

A bank customer wants to open an account that allows deposits and withdrawals through a passbook and cheque book but is not a savings account. Which type of account is being described?

  1. Fixed deposit
  2. Demat account
  3. Recurring deposit
  4. Current account Correct answer.

Explanation

A current account is a running account used mainly by businesses for frequent transactions; it allows cheque and passbook operations and does not normally pay interest. Fixed and recurring deposits are time deposits, and a demat account holds securities rather than money.

Question 10General Awareness

If the RBI raises the cash reserve ratio, what is the most direct effect on the banking system?

  1. Banks must keep a larger share of deposits with the RBI, reducing lendable funds Correct answer.
  2. Banks can lend more funds to customers
  3. Interest on savings accounts automatically increases
  4. The value of the rupee in foreign exchange rises immediately

Explanation

The cash reserve ratio is the share of net demand and time liabilities that banks must maintain as cash reserves with the RBI. Raising it locks up funds with the central bank and reduces the money available for lending, which is a contractionary measure.

Question 11General Awareness

Which of the following is the correct expansion of the abbreviation 'KYC' used in banking?

  1. Keep Your Cash
  2. Key Yield Certificate
  3. Know Your Customer Correct answer.
  4. Know Your Credit

Explanation

KYC stands for Know Your Customer, a mandatory process by which banks verify the identity and address of customers to prevent money laundering and fraud. It involves collecting documents such as identity and address proof and periodically updating them.

Question 12General Awareness

A security guard notices an unattended bag near the entrance of a bank branch. Which action best reflects standard security protocol?

  1. Open the bag to check its contents personally
  2. Ignore it as it may belong to a customer
  3. Inform the branch manager and follow the laid-down security procedure without touching the bag Correct answer.
  4. Move the bag to the parking area

Explanation

Unattended objects should be treated as suspicious; the guard must immediately inform the branch manager or security officer and follow the prescribed procedure, which often includes cordoning the area and alerting police. Guards should not handle or open such objects, as this can be dangerous.

Question 13General Awareness

Which of the following persons is the constitutional head of the Indian state and acts on the advice of the Council of Ministers?

  1. Speaker of the Lok Sabha
  2. President Correct answer.
  3. Prime Minister
  4. Chief Justice

Explanation

The President of India is the constitutional head of state and exercises powers on the advice of the Council of Ministers headed by the Prime Minister. The Prime Minister heads the government, and the Chief Justice and Speaker head other organs.

Question 14General Awareness

The headquarters of the International Monetary Fund is located in which city?

  1. Washington D.C. Correct answer.
  2. London
  3. New York
  4. Geneva

Explanation

The IMF is headquartered in Washington D.C. and works to promote global monetary cooperation and financial stability. Geneva hosts the WTO and WHO, New York hosts the United Nations headquarters, and London hosts the Commonwealth Secretariat.

Question 15General Awareness

Which of the following is a characteristic of a fixed deposit account in an Indian bank?

  1. The account holder can withdraw funds by cheque at any time without penalty
  2. It does not require any minimum deposit
  3. It is used mainly for daily business transactions
  4. Funds are locked for a specified period and generally earn a higher interest rate than savings accounts Correct answer.

Explanation

A fixed deposit places money with the bank for a fixed tenure and generally offers a higher interest rate than a savings account. Premature withdrawal is possible but usually attracts a penalty, and the account is not meant for daily transactions.

Question 16General Awareness

The 'reverse repo rate' is best described as which of the following?

  1. The rate at which banks borrow from the RBI
  2. The rate at which banks lend to priority sectors
  3. The rate of interest on government bonds
  4. The rate at which the RBI borrows short-term funds from banks Correct answer.

Explanation

Under the reverse repo, the RBI absorbs liquidity by borrowing short-term funds from banks against securities. It is the opposite of the repo, where the RBI lends to banks. The reverse repo is used to drain excess liquidity from the system.

Question 17General Awareness

Which of the following is the primary purpose of the Financial Inclusion initiative in India?

  1. To reduce the number of bank branches
  2. To increase the profits of commercial banks
  3. To ensure access to financial services such as banking, credit and insurance for all sections of society Correct answer.
  4. To encourage only wealthy customers to open accounts

Explanation

Financial inclusion aims to bring unbanked and underprivileged sections into the formal financial system by providing affordable banking, credit, insurance and pension services. Initiatives such as Jan Dhan accounts support this goal. It is not aimed at bank profits or exclusion of any group.

Question 18General Awareness

A bank guard is asked by a stranger to share the daily cash movement schedule of the branch. What is the most appropriate response?

  1. Share the schedule as it is harmless information
  2. Refuse and report the matter to the branch manager or security officer Correct answer.
  3. Provide the schedule only after taking a tip
  4. Tell the stranger to wait inside the vault area

Explanation

Details of cash movement are sensitive security information and must never be disclosed to unauthorised persons. The guard's duty is to refuse and immediately report the approach to the branch manager or security officer for further action.

Question 19General Awareness

Which article of the Indian Constitution abolishes untouchability?

  1. Article 17 Correct answer.
  2. Article 14
  3. Article 21
  4. Article 15

Explanation

Article 17 of the Constitution abolishes untouchability and forbids its practice in any form. Article 14 guarantees equality before the law, Article 15 prohibits discrimination, and Article 21 protects life and personal liberty.

Question 20General Awareness

Which of the following is the correct order of the first three steps typically followed when a fire is detected in a bank branch?

  1. Call fire services, evacuate people, raise alarm
  2. Evacuate people, call fire services, raise alarm
  3. Raise alarm, call fire services, evacuate people
  4. Raise alarm, evacuate people, call fire services Correct answer.

Explanation

Standard fire response begins with raising the alarm so occupants become aware, followed by evacuating people to safety, and then informing the fire services. Raising the alarm first ensures timely evacuation and prevents panic.

Question 21General Awareness

Which of the following is the correct expansion of 'NEFT' in Indian banking?

  1. New Electronic Financial Transaction
  2. Net Electronic Fund Transfer
  3. National Electronic Funds Transfer Correct answer.
  4. National Exchange of Funds and Trade

Explanation

NEFT stands for National Electronic Funds Transfer, an RBI-operated system for transferring funds between banks. It settles transactions in batches. RTGS is a related but separate real-time gross settlement system used for high-value transfers.

Question 22General Awareness

A candidate is asked which institution regulates insurance companies in India. The correct answer is which of the following?

  1. SEBI
  2. RBI
  3. PFRDA
  4. IRDAI Correct answer.

Explanation

The Insurance Regulatory and Development Authority of India (IRDAI) regulates and develops the insurance industry. SEBI regulates securities markets, the RBI regulates banks, and PFRDA regulates pension funds.

Question 23General Awareness

Under the RBI's priority sector lending norms, which of the following is included as a priority sector category?

  1. Agriculture Correct answer.
  2. Foreign currency loans to multinationals
  3. Large corporate loans
  4. Loans to stockbrokers

Explanation

Priority sector lending requires banks to allocate a specified share of credit to sectors such as agriculture, micro and small enterprises, education, housing and weaker sections. Agriculture is a core priority sector category, while large corporate and speculative lending are not.

Question 24General Awareness

A branch receives a bomb threat call. Which action sequence best reflects proper security procedure?

  1. Ignore the call if the caller's voice sounds like a prank
  2. Inform the branch manager, alert police, and evacuate the premises following the emergency plan Correct answer.
  3. Announce the threat to customers and ask them to search for the device
  4. Search the premises alone before informing anyone

Explanation

On receiving a bomb threat, the guard should immediately inform the branch manager, alert the police and follow the branch emergency evacuation plan. Personnel should not conduct independent searches or disclose panic-inducing details to customers.

Question 25General Awareness

If the RBI conducts open market operations by selling government securities, what is the likely effect on liquidity and interest rates?

  1. Liquidity increases and interest rates rise
  2. Liquidity and interest rates remain unchanged
  3. Liquidity increases and interest rates fall
  4. Liquidity decreases and interest rates tend to rise Correct answer.

Explanation

When the RBI sells government securities, it absorbs cash from the banking system, reducing liquidity. Lower liquidity tends to push up short-term interest rates. This is a contractionary open market operation used to control inflation.

Question 26General Awareness

The Reserve Bank of India was established in which year, a fact often asked in general awareness sections of bank recruitment exams?

  1. 1955
  2. 1947
  3. 1935 Correct answer.
  4. 1949

Explanation

The Reserve Bank of India commenced operations on 1 April 1935 under the Reserve Bank of India Act, 1934. It was nationalised later, in 1949, which is why that year is often confused with its founding. Candidates should remember 1935 as the year of establishment and 1949 as the year of nationalisation.

Question 27General Awareness

In Indian general awareness, the national bird of India, which also appears on official emblems and is protected under wildlife law, is which of the following?

  1. Sparrow
  2. Flamingo
  3. Peacock Correct answer.
  4. Parrot

Explanation

The Indian peacock was declared the national bird of India in 1963 and is protected under the Wildlife Protection Act. It appears in national symbols and is a common general awareness question. The other birds listed are common Indian birds but none holds national status.

Question 28General Awareness

Which of the following bodies prepares and presents the Union Budget of India in Parliament, a point relevant to general awareness on economic institutions?

  1. Ministry of Finance Correct answer.
  2. Reserve Bank of India
  3. NITI Aayog
  4. Comptroller and Auditor General

Explanation

The Union Budget is prepared by the Department of Economic Affairs under the Ministry of Finance and presented in Parliament. The RBI manages monetary policy but does not present the budget. NITI Aayog is a policy think tank, and the CAG audits accounts rather than preparing the budget.

Question 29General Awareness

A security guard at a bank branch must know that the first and most important duty during any emergency evacuation is which of the following?

  1. Guiding people to safety through designated exits Correct answer.
  2. Collecting attendance of staff members
  3. Switching off all lights in the branch
  4. Locking the strong room and counting cash

Explanation

In any emergency the preservation of human life takes priority, so guiding occupants towards designated safe exits is the primary duty. Cash protection and record keeping come only after people are safe. Counting cash or attendance during an evacuation would delay escape and increase risk.

Question 30General Awareness

The 'repo rate' announced by the Monetary Policy Committee of the RBI refers to which of the following?

  1. The rate at which banks lend to their most creditworthy customers
  2. The rate at which the RBI lends short-term funds to banks against government securities Correct answer.
  3. The interest paid on ordinary savings bank deposits
  4. The fee charged by banks for issuing demand drafts

Explanation

The repo rate is the policy rate at which the RBI provides short-term liquidity to banks against the collateral of government securities under repurchase agreements. It is the main signal of monetary policy stance. The rate charged to best customers is the base rate or MCLR, which is a different concept.

Question 31General Awareness

Which of the following is the correct expansion of 'UPI' in the Indian payments system, a term security staff often hear at bank branches?

  1. United Public Interface
  2. Unified Public Investment
  3. Universal Payment Instrument
  4. Unified Payments Interface Correct answer.

Explanation

UPI stands for Unified Payments Interface, an instant real-time payment system developed by NPCI and regulated by the RBI. It allows interbank transactions through mobile phones. The other expansions do not correspond to any Indian payment system.

Question 32General Awareness

Which of the following Indian institutions is responsible for issuing currency notes of all denominations except the one-rupee note?

  1. Ministry of Home Affairs
  2. Reserve Bank of India Correct answer.
  3. Securities and Exchange Board of India
  4. State Bank of India

Explanation

The RBI issues all currency notes except the one-rupee note, which is issued by the Government of India and bears the signature of the Finance Secretary. The RBI Act and the Coinage Act define this division. SEBI regulates securities markets and has no currency role.

Question 33General Awareness

In general awareness for bank recruitment, the Chairman of the Rajya Sabha, who presides over its sittings, is which of the following office holders?

  1. The Chief Justice of India
  2. The Vice President of India Correct answer.
  3. The President of India
  4. The Speaker of the Lok Sabha

Explanation

Under Article 89 of the Constitution, the Vice President of India is the ex-officio Chairman of the Rajya Sabha and presides over its sittings. The Speaker presides over the Lok Sabha. The President and the Chief Justice have no presiding role in the Rajya Sabha.

Question 34General Awareness

A security guard is posted at the visitor entry gate of an RBI office. A visitor claims to have an appointment but has no valid photo identity document. Which action is most appropriate?

  1. Deny entry until identity is verified through the authorised officer Correct answer.
  2. Send the visitor directly to the officer's cabin unescorted
  3. Allow entry after taking a self-declaration on plain paper
  4. Allow entry because the visitor claims an appointment

Explanation

Access control requires positive identity verification before entry to a protected premises; an unverified claim of appointment is insufficient. The guard should contact the authorised officer and deny entry until verification is complete. Allowing entry on a mere claim or self-declaration defeats the purpose of identity checks.

Question 35General Awareness

Which of the following is the correct expansion of 'CCTV' as used in bank security arrangements?

  1. Closed Circuit Television Correct answer.
  2. Common Channel Television
  3. Coded Camera Transmission Video
  4. Central Control Television

Explanation

CCTV stands for Closed Circuit Television, a system in which video signals are transmitted to a limited set of monitors rather than broadcast publicly. Banks use it for surveillance of branches, ATMs and strong rooms. The other expansions are not used in security terminology.

Question 36General Awareness

A branch guard observes a person repeatedly loitering near the ATM kiosk and photographing customers as they enter their PIN. Which response best follows standard security practice?

  1. Wait for a customer to complain before taking any action
  2. Ask customers to share their PINs so the guard can verify them
  3. Politely confront, note details and inform the branch manager and police Correct answer.
  4. Ignore the person since no theft has yet occurred

Explanation

Photographing customers at an ATM is a strong indicator of card-skimming or shoulder-surfing fraud. The guard should intervene politely, record a description and inform the branch manager and police without delay. Waiting for a complaint allows the fraud to be completed, and asking for PINs would itself be a serious breach.

Question 37General Awareness

Which of the following bodies is India's securities market regulator, often mentioned in general awareness questions alongside the RBI and IRDAI?

  1. SIDBI
  2. NABARD
  3. SEBI Correct answer.
  4. EXIM Bank

Explanation

The Securities and Exchange Board of India regulates the securities market and protects investors under the SEBI Act, 1992. NABARD handles rural and agricultural credit, SIDBI supports small industries and EXIM Bank finances foreign trade. Only SEBI has the securities market mandate.

Question 38General Awareness

If the RBI lowers the Statutory Liquidity Ratio, what is the most likely consequence for banks?

  1. Banks must hold a larger share of deposits in gold and government securities
  2. Banks are required to close additional branches in rural areas
  3. Banks must reduce the interest rate paid on savings accounts to zero
  4. Banks can deploy more funds in lending rather than in approved securities Correct answer.

Explanation

SLR is the minimum share of net demand and time liabilities that banks must hold in cash, gold or approved securities. Lowering it frees resources that can be used for lending, which may support credit growth. It does not force branch closures or zero savings rates.

Question 39General Awareness

A fire breaks out in the stationery room of a bank branch. Which piece of fire safety equipment is designed specifically to fight small fires by directing a jet of stored water under pressure?

  1. Fire hose reel Correct answer.
  2. Fire alarm bell
  3. Emergency exit sign
  4. Smoke detector

Explanation

A fire hose reel is a first-aid firefighting installation that supplies a pressurised jet of water to extinguish small fires. Smoke detectors, exit signs and alarm bells are detection or warning devices and cannot extinguish a fire. Guards should know the location of hose reels and extinguishers in the branch.

Question 40General Awareness

Which of the following is the correct meaning of 'NPA' in Indian banking, a term relevant to general awareness of bank health?

  1. National Payments Authority
  2. Non-Performing Asset Correct answer.
  3. Net Public Account
  4. Nominal Provision Amount

Explanation

A Non-Performing Asset is a loan or advance on which interest or principal has remained overdue for more than the period specified by the RBI. High NPAs reduce bank profitability and are closely monitored by regulators. The other expansions do not exist in banking terminology.

Question 41General Awareness

Under the Constitution of India, the fundamental right that protects a person from arbitrary arrest and detention is found in which article, a point often tested in general awareness?

  1. Article 14
  2. Article 32
  3. Article 19
  4. Article 22 Correct answer.

Explanation

Article 22 provides protection against arrest and detention in certain cases, including the right to be informed of grounds of arrest and to consult a lawyer. Article 14 guarantees equality before law and Article 19 lists freedoms such as speech. Article 32 provides the right to constitutional remedies.

Question 42General Awareness

A guard at a currency chest branch is asked by a journalist for details of the amount of cash received that morning. What is the most appropriate response?

  1. Refuse to disclose and refer the journalist to the branch manager Correct answer.
  2. Allow the journalist to photograph the cash movement register
  3. Give an approximate amount to avoid appearing unhelpful
  4. Share the figure since the journalist has an identity card

Explanation

Cash movement details of a currency chest are sensitive operational information and must not be disclosed to outsiders. A press identity card does not create a right of access to confidential bank data. The guard should politely refuse and route any query to the branch manager or official spokesperson.

Question 43General Awareness

Which of the following is the primary function of the National Payments Corporation of India in the Indian financial system?

  1. Conducting the census of bank branches
  2. Regulating insurance companies
  3. Operating retail payment and settlement systems such as UPI and RuPay Correct answer.
  4. Framing monetary policy for the country

Explanation

NPCI is an umbrella organisation for retail payments that operates systems including UPI, RuPay, IMPS and NACH. Monetary policy is framed by the RBI, and insurance regulation is handled by IRDAI. Census operations are conducted by the government, not by a payments body.

Question 44General Awareness

A branch receives an anonymous letter claiming that a bomb has been planted on the premises. Which sequence of actions best reflects accepted security procedure?

  1. Announce the threat loudly to all customers and staff
  2. Continue normal business until the police arrive
  3. Inform the branch manager, evacuate calmly and alert police without touching suspicious objects Correct answer.
  4. Search the building personally before informing anyone

Explanation

The standard response is to inform the person in charge, evacuate occupants calmly through safe routes and alert police and bomb disposal experts. Untrained staff should not search for or touch suspicious objects. Continuing normal business or causing panic would increase risk.

Question 45General Awareness

Which of the following rivers is the longest in India and is often asked about in general awareness sections of recruitment exams?

  1. Godavari
  2. Narmada
  3. Ganga Correct answer.
  4. Krishna

Explanation

The Ganga is the longest river flowing within India, with a total course of over 2,500 kilometres. The Godavari is the longest river of peninsular India but is shorter overall. The Narmada and Krishna are also major rivers but are shorter than the Ganga.

Question 46General Awareness

An intruder attempts to force open the rear gate of a bank premises at night. Which action by the on-duty guard is most appropriate?

  1. Switch off the perimeter lights to avoid being seen
  2. Leave the post to follow the intruder into the street
  3. Confront the intruder alone without informing anyone
  4. Raise the alarm, inform the control room and police, and observe from a safe position Correct answer.

Explanation

The guard should raise the alarm, alert the control room and police, and keep the intruder under observation from a safe position until help arrives. Single-handed physical confrontation risks injury and escalation. Leaving the post or switching off lights would reduce security rather than improve it.

Question 47General Awareness

Which of the following correctly describes the difference between a currency chest and a small coin depot maintained by banks?

  1. A currency chest holds stocks of notes and coins for distribution, while a coin depot handles only coins Correct answer.
  2. A currency chest deals only in foreign currency, while a coin depot handles Indian notes
  3. A currency chest issues one-rupee notes, while a coin depot issues all other notes
  4. A currency chest is run by the police, while a coin depot is run by the RBI

Explanation

Currency chests are bank premises that hold RBI-owned stocks of notes and coins and facilitate their distribution and receipt. Coin depots are smaller facilities that deal only in coins. Both operate under RBI authorisation, and neither is run by the police.

Question 48General Awareness

If the RBI sells government securities in the open market while the liquidity in the banking system is already tight, what is the most likely combined effect?

  1. No change in liquidity but a rise in the CRR
  2. Further reduction in liquidity and upward pressure on short-term interest rates Correct answer.
  3. Expansion of liquidity and a fall in short-term interest rates
  4. A fall in the repo rate announced automatically

Explanation

Open market sales absorb reserves from the banking system, and when liquidity is already tight this intensifies scarcity. The resulting competition for funds pushes short-term money market rates upward. CRR and repo rate are separate policy instruments and are not changed automatically by such sales.

Question 49General Awareness

A guard is handed a sealed envelope by a customer who insists it be delivered to a particular clerk without any entry in the visitor or dak register. Which action is most consistent with branch security rules?

  1. Accept the envelope and deliver it personally as requested
  2. Refuse to bypass the register and route the envelope through the authorised dak procedure Correct answer.
  3. Keep the envelope with the guard until the customer returns
  4. Open the envelope to check its contents before delivery

Explanation

All material entering a bank branch should pass through the prescribed dak or visitor register so that a record exists. Bypassing the register creates a channel for fraud, bribery or smuggling of documents. The guard should not open sealed material or hold it informally.

Question 50General Awareness

Which of the following best explains why the RBI conducts periodic cyber security audits of banks under its supervision?

  1. To fix the interest rate on fixed deposits offered to customers
  2. To determine the number of branches each bank must open in rural areas
  3. To decide the salary structure of bank security guards
  4. To assess resilience against digital fraud and protect depositors' funds and financial stability Correct answer.

Explanation

Cyber security audits evaluate a bank's controls against hacking, data breaches and digital fraud, thereby protecting depositors and overall financial stability. Branch expansion targets, deposit rates and staff salaries are governed by other regulatory or commercial processes. Such audits are a supervisory tool, not a pricing or staffing instrument.