OPTION

SL.NO. QUESTION 1
1 What is the largest Bank in India ICICI
Governm
ent of
Regional Rural Banks are promoted by which of the India
2 following organisations? (GOI)
Payment Bank can accept deposits up to a maximum of Rs.50000/
3 Rs._____ per customer -
Yes they
4 Can Payment Banks lend to customers? can
Recurring
5 Which of the following are term deposits? Deposit
Demand
Deposits
and Term
6 What are the main types of deposits in banks? Deposits

7 What are the types of deposits? Savings

8 Who regulates the Indian Banks? SIDBI
Private
9 IDBI is a Bank

Accepting
10 Principal functions of Banks are Deposits

Luxury,
11 Banking services are not a ____ but a ____ for every one. Necessity
Varied,
12 The financial needs of the poor people are ___ and ____ . distinct

Which model was introduced to provide Banking services to

13 the people living in un banked and under banked areas? BC
14 Reserve Bank of India was established on 1935
Central
Bank of
15 Which is the Central Bank of our country? India
Non
Performin
16 What is NPA? g Asset
Interest
on
17 What is the major source of Income for Banks deposits
Unsecure
18 A loan account without security is known as ___ loan d
Property
provided
for taking
19 What is collateral Security? a loan
 10
transactio
What is the limit on number of deposits & withdrawals in a ns per
20 Current Account?. month
No
21 What is the interest rate applicable for the Current Account? interest

A customer who has availed loan from other Bank requests Open his
22 for opening of Current Account. What action is to be taken. account
The limit on number of transactions in a Savings Bank
23 Account is ……. No limits
Basic
Simple
Bank
Deposit
24 What is full form of BSBDA? Account
No
minimum
balance
25 The minimum balance required in a BSBDA is ……. required
A account holder will be allowed a maximum of ………
withdrawals free of cost from a BSBDA in a month including
26 ATM withdrawal. No limits

After 2
When can a Bank charge for withdrawing amount from withdrawa
27 BSBD account? ls in a day
The minimum period for which a fixed deposit can be No lower
28 accepted is …………. limit
The maximum period for which a fixed deposit can be No upper
29 accepted is …………. limit
If the individual Bank is registered with DICGC, each
depositor of the Bank is insured upto Rs. ……… for Rs. 10
30 principal and interest held by him. lakhs
The cost of insurance premium paid to DICGC is paid by
31 …… The Bank

Society of
Worldwid
e
Interbank
Financial
Telecom
municatio
32 SWIFT stands for …… ns
Remittanc
e to
Goods &
33 RTGS stands for …… Services
What is the maximum amount that can be transferred Rs. 10
34 through RTGS? lakhs
 What is the minimum amount that can be transferred
35 through RTGS? Rs. 1 lakh
National
Electronic
Fund
36 NEFT stands for …….. Transfer

Internatio
nal Fincial
Structure
37 IFSC stands for …….. Code
If funds received under RTGS cannot be credited for any
reason, the receiving bank has to return the money to the
38 remitting bank within a period of ……… 24 hours
IMPS offers instant transfer of funds and the facility is 24 hours
39 available …………… a day
Bank
40 AEPS enables fund transfer without providing the details of account
Additional
Payment
Based
41 APBS stands for …….. System
Renewed
beyond
the due
42 Fixed Deposits cannot be …….. date
Every
43 Interest on Savings Bank Account is paid ……. month
On
44 The amount under Demand Draft is payable …… Demand
It is a
means of
small
45 Which is not a feature of a Recurring Deposit? savings
To check
against
money
launderin
46 What is the purpose of obtaining KYC documents? g

Route
money
generated
by illegal
means
through
47 What is money laundering? banks
reject
If a person submits an OVD on which the address is opening
different than current resident address, the BC Agent such
48 should…. accounts
 If a deemed OVD is submitted as proof of current address,
49 within how many days a OVD need to be submitted? 3 weeks
When a person do not have officially valid document, which
50 type of account can be opened? BSBDA
What is the price that some one pays for the temporary use
51 of others funds ? Interest
The interest rate applicable for each type of deposit or loan percentag
52 is specified as a e
53 When simple interest is charged, the interest will be Fixed
When interest is added to the principal amount and on that Compoun
54 interest is calculated, it is called ding
55 Normally Bank quotes interest per Year
The rate of interest which will not change during the entire
56 period of loan is known as Fixed
The rate of interest which will be changing during the period
57 of the loan is known as Fixed
Equated
Monthly
If the repayment is fixed on the basis of loan amount, Instalmen
58 interest rate and tenure of loan, it is known as t
59 The amount of money borrowed is called Principal
Simple
60 Which interest type will be more costly for the borrower interest
Equal
monthly
instalment
61 What is the full form of EMI s
62 A loan account with security is known as ___ loan. Secured
If a housing loan is sanctioned for medium term within how
63 many years it need to be repaid? 2-5 years
If a housing loan is sanctioned for very long term within how 10-15
64 many years it need to be repaid? years
Charge
When a housing loan is to be sanctioned to a borrower with high rate
65 low net worth, what precaution is taken by the bank? of interest

What is the tangible collateral security prescribed for

66 education loans up to Rs 4.00 lakhs? Nil
To the
extent of
course
67 What is the moratorium period allowed in Education loans? period
What is the maximum repayment period permissible in
68 Education loans 5 years
What is the maximum period of loan/Term permitted in
69 Housing loans? 5 years
70 Which kind of repayment is allowed in Housing loans? EMIs
How many products/schemes are available under MUDRA
71 Yojana (PMMY) 3
 What is the loan that can be sanctioned under Kishore Up to Rs
72 scheme of MUDRA Yojana (PMMY)? 50,000/-
What is the maximum amount that can be sanctioned Rs 3.00
73 under MUDRA Yojana scheme? lakhs
Under Education loan, what is the maximum amount that Rs 5.00
74 can be sanctioned? lakhs
Hypothec
75 The charge on House financed by a Bank is ____ ation
What is the loan that can be sanctioned under Tarun Up to Rs
76 scheme of MUDRA Yojana (PMMY)? 50,000/-
What is the collateral security for the loans under MUDRA Agricultur
77 Yojana scheme? al land
Which of the following is not one of the three schemes of
78 MUDRAYojana scheme? Sishu

Micro
Units
Developm
ent &
Agency
79 What is the full form of MUDRA? Ltd
Which of the following will have highest rate of interest in Housing
80 retail loan segment? loan

In Education loans above which amount Co-obligation of Above Rs

81 parents and collateral security of suitable value is required? 4.00 lakhs
Bank will sanction education loan both in the names of
student and the parent only when the loan amount Above Rs
82 is________ 4.00 lakhs
Productiv
e
83 Loans can be granted for which purposes? purposes

Yes in the
Can a loan be sanctioned if the earning from non productive business
84 purposes are higher than the productive purposes? interests
Sanctioni
ng loans
only to
few
85 What is diversification of risk? persons
Gold
ornament
86 Which is not considered as security for sanctioning loans ? s
Respectiv
In KCC Scale of Finance for the crops is decided by
87 e Banks
All
Flexi KCC is applicable to
88 Farmers
Maximum
What is the full form of MDL? Drawal
89 Limit
 Exclusive
of short
term from
Which is not considered while calculating Maximum long term
Permissible Limit under KCC ? loan limits
arrived for
5 years
term
90

Owner
cultivatior
s / Tenant
farmers /
Who cannot be financed under KCC?
Oral
lessees /
Share
croppers
91
5% of
What is the amount that can be sanctioned for post- crop
harvest/house hold consumption needs? productio
92 n needs
also
While giving KCC Loan, Crop insurance premium is
93 financed
Through
POS at
How can a borrower withdraw money from KCC account?
the input
94 dealers
95 What is the period for which a KCC loan is sanctioned? 1 year
Maximum
Permissibl
KCC documents have to be obtained for the value of
e Limit
96 (MPL)
Repayme
Bank categorises a KCC account as NPA, when the
nt Due
repayment is not done on
97 date
Mandator
98 When KCC is sanctioned, Crop Insurance is y
Which of the following insurances are not optional for a Crop
99 KCC holder? Insurance

Such
loans can
be
sanctione
d by
linking to
Can a farmer get a loan from bank if she stocks her produce existing
100 in a warehouse and produces warehouse receipt? crop loan
 Interest
on the
Which is not the effect of a loan becoming NPA? loan is not
earned by
the Bank
101
Standard
Which of these assets is not a NPA ?
102 Assets
An Asset is called doubtful, if it remains in Sub-standard
3 months
103 category for …………. Months
In a loan, if the repayment is fixed as EMI, it becomes NPA
if inerest and/or instalment remains overdue for a period of 30 days
104 more than ……… days
In Agriculture segment, a short duration crop loan becomes
NPA, if instalment of principal and/or interest remains 1
105 overdue for ………… crop seasons.
In Agriculture segment, a long duration crop loan becomes
NPA, if instalment of principal and/od interest remains 1
106 overdue for ………… crop seasons.
Visiting
Which of the following is not a recovery measure ? the
107 borrowers
The loans and advances given by a bank are also known
Liabilities
108 as______
Standard
Which of the following is not a asset category of the banks?
109 Assets
In to how many categories will a bank categorise their
1
110 assets?
If a loan remains in NPA for longer time, it may be Recovera
111 ………….. ble
To be treated as a strong bank, most of its assets should be Standard
112 in which category? Assets
It
Which of the following is not a feature of Standard Assets of
generates
a Bank
113 income

difficulty
Which of the following is a common grievance of small in account
114 customers? opening

What are the guidelines of model policy for grievance fairness in

115 redressal treatment
Attitudinal
aspects of
116 Reason for complaints from customer are staff
Branch
117 Who is responsible for resolution of complaints Manager
Monthly
on any
When is the Customers day observed at branches of a working
118 bank? day
A customer complaint need to be resolved by Branch within 30
119 Manager within how many days? days
 If a customer is not satisfied with the complaint resolution of Higher
the bank, which of the following organisation may be officers of
120 approached? the Bank
Arrangem
ents for
receiving
Which of the following is not required to be displayed on complaint
121 banking ombudsman board s

What is the timeline stipulated by the Ministry of Finance to

122 redress complaints forwarded by Reserve Bank of India? 15 days
in which year the Banking Ombudsman scheme came into
123 existence 1947
124 What is the term of the Banking Ombudsman? 3 years
What is the timeline to implement the recommendations of
125 Banking Ombudsman? 15 days
Twice the
What is the maximum penalty that can be imposed by the loss
126 Banking Ombudsman? amount
Whithin how many days Banks should resolve the
127 complaints received from Prime Minister's ofice? 21 days
Monetary
128 What is/are the roles of RBI ? control
Current
Reserve
129 What is the full form of CRR? Ratio
Which of the following are not under the category of
130 Commercial Banks NBFCs
Standard
Liquidity
131 What is the full form of SLR ? Ratio

132 What is mandatory for PMJJBY and PMSBY insurances? PAN card

Indian
Regulator
y and
Developm
ent
Authority
133 What is the full form of IRDAI ? of India

134 IRDAI is the regulator of which sector? Education

135 NPS is related to which of the following? Banking

Accepting
136 Which is not the activity of Co-operative Banks? Deposits
Who is responsible for ensuring an efficient payment and
137 settlement in India ? RBI
Governm
What is the biggest challenge for banks to provide financial ent
138 inclusion services in unbanked areas? Policies
 Which formal financial institutions proved that they can
139 reach the bottom of the pyramid? Banks
Can
Which of the following is not an advantage for formal realise
financial system by reaching the financially excluded with an the huge
140 appropriate business model? potential
Which of the following is not a service provided under
141 financial inclusion? Savings
When the lower income groups are not having access to
financial products and services of financial institutions, it Financial
142 can lead to…… Inclusion
What is the major issue in expanding outreach of the formal Will and
143 banking system? intention

What is the cost to be borne by low income people to avail Transport

144 financial services at a brick and mortar branch of a bank? ation cost
145 Which is not a technological product? e-KYC

Electronic
Clearing
146 What is the full form of ECS? Service
National
Electric
Fund
147 What is full form of NEFT? Transfer
Cheque
transfer
148 What is full form of CTS? system
Self Help
149 What is full form of SHG? Group

Savings
of SHG
members
and the
internal
loan
outstandi
ng on
150 What is group corpus of a SHG? members
5-8
151 Normally how many members can form a Self Help Group? members
Voluntaril
y by the
152 Self Help Group is formed …. members
Creating
seniority
of the
153 Group Corpus Fund is used for SHG
Mutual
Understa
154 Which is not an objective of forming a Self Help Group? nding
 Meeting
155 Which of the following is not a function of Self Help Group? Regularly
Outreach
of
which of the following is not a feature of branchless banking banking
156 model? sector
Ensuring
greater
Financial
157 What is the objective of BC Model? Inclusion
What is the arrangement with the BC Agents for providing Permane
158 services ? net
In which country the branchless banking model was first
159 successful ? USA
Intermedi
160 BC agent is an ______ between the Bank and the villagers? ary
161 Business Facilitators _____ handle cash transactions. Cannot

162 Business Correspondents _____ handle cash transactions. Can

Which of the following risk is not specifically associated with Reputatio
163 BC Model? n
Spending
pattern of
the
Which of the following information of a customer, a BC househol
164 Agent should not be collecting? d
Banks cannot use the services of one of the following as
165 intermediaries under BC model NGOs
Rural
Credit
Disburse
166 Which of the services are not provided by the BCs? ment
Which of the following may not be the role of a BC in
167 Villages? Friend
Which of the following may not be an objective of a Bank to
168 achieve through BC Model Outreach

As
intermedi
ary
charge
fees for
sustainabl
e
Which of the following is not the responsibility of a BC operation
169 Agent? s

Helps BC
Agent to
build
better
relationshi
170 What is the importance of drawing a Borrower's Profile? ps
 Suitable
limits on
Which of the following is not a measure adopted by banks cash
171 to mitigate risk in BC Model? holdings
Not be a
defaulter
to any
172 Which is not a eligibility criteria to engage a BC Agent? bank
Dr.
C.Rangar
173 Who headed the committee on Financial Inclusion in India? ajan
Formation
/Linkage
174 Which is not the role of BC Agent? of SHGs
What is the minimum education qualification stipulated by 10th
175 RBI for appointing a person as a BC agent? standard
To ensure
they earn
What is the purpose of periodical reviewing the performance sufficient
176 of a BC? income
Any intentional act committed to secure an unfair or
177 unlawful gain is treated as ________ Fraud
What is the periodicity for review of a BC during the initial
178 stages of appointment? Monthly
Constantl
y review
Which is not a feature of proactive risk management system risk
179 of a bank? scenario

Technology based products are ______ and with some beneficial,

180 _______ . concerns
In using technology based banking products ___ of
181 transactions is a big issue. Security

Delay in
reversing
the
amount
which is
What are the problems usually faced by the customers in wrongly
182 using ATM? debited
While doing a transaction at an ATM, ATM stops all
transactions for that day when the PIN number is entered
183 wrongly continuously for _____ times 4
Preventio
184 Which is not an objective of fraud management? n
 Charge
fees
directly to
the
customer
s as per
the
charges
stipulated
by the
185 Which of the following is the responsibility of a BC Agent? bank
Which of the following is not a must for safe and smooth Customer
186 digital banking? education
Hindering ability of the regulated entity to provide time data Contractu
187 and other information results in which type of risk? al Risk

The role
and
duties of
BC Agent
should be
widely
188 Which is not a mitigation for Strategic Risk? publicised
Poor Service from the BC Agent results in which type of Complian
189 Risk? ce Risk
1st Jan to
190 What is the cover period for PMSBY scheme? 31st Dec
What is the remuneration to BC for sourcing one PMSBY
191 application? Rs.0.50
What is the remuneration to BC for sourcing one PMJJBY
192 application? Rs.41/-
What is the minimum period of contribution in APY
193 scheme? 18 years
194 APY Subscribers can opt to ___ pension amount Decrease

A customer approached the BC Agent seeking clarification

for opening a Sukanya Samriddhi Yojana(SSY) account in
the name of her third girl child. On enquiry, she revealed
that she had three deliveries and in all the three deliveries,
she gave birth to girl children. She opened the SSY account
for the earlier two girl children. Whether she can open the
195 Sukanya Samriddhi Yojana(SSY) for the third girl child? Yes

A BC agent advised a customer to enroll for Pradhan Mantri

Suraksha Bima Yojana (PMSBY). The customer replied that,
on the advice of bank, he had taken a Personal Accident
Insurance (PAI) policy of SBI Life last week. Whether the
customer can be enrolled for PMSBY after taking another
196 insurance cover? NO
 Sukanya
Samriddhi
197 Which of the following is not a social security scheme? Yojana
198) What is the premium for Pradhan Mantri Suraksha Rs.12/-
198 Bima Yojana(PMSBY)? p.m.
What is the age criteria under Pradhan Mantri Suraksha 18-65
199 Bima Yojana (PMSBY)? Years

Death
What are the risks not covered under Pradhan Mantri due to
200 Suraksha Bima Yojana (PMSBY)? accident

Suman met with an accident and lost his left hand and left
eye. He had submitted claim under PMSBY Policy. What is Rs. 2.00
201 the maximum amount of claim that can be admissible? lakhs

National
Insurance
Which is the nodal insurance Company for claim settlement Company
202 under Pradhan Mantri Suraksha Bima Yojana (PMSBY)? Limited

Term
Pradhan Mantri Jeevan Jyothi Bima Yojana (PMJJBY) is Insurance
203 which type of insurance scheme? Scheme

Whether Kisan Credit Card (KCC) borrowers are eligible for

204 Pradhan Mantri Suraksha Bima Yojana (PMSBY)? Yes
If a married person subscribes to Atal Pension Yojana (APY),
205 who would be the default nominee? Spouse

Any
number
of
accounts
How many Atal Pension Yojana (APY) accounts can be can be
206 opened by an individual? opened
What is the minimum deposit per annum in Sukanya
207 Samriddhi Yojana (SSY) account? Rs.100/-
What is the periodicity of compounding of interest in
208 Sukanya Samriddhi Yojana (SSY) account? Quarterly

Death of
In which situations premature closure of Sukanya the
209 Samriddhi Yojana (SSY) account is permitted? depositor
 Under Section 80(C) of Income Tax Act, 1961, investments
in Sukanya Samriddhi Yojana (SSY) accounts, qualifies for Rs.1,50,0
210 exemption of income tax to a maximum amount of 00

50% of
balance
as at the
end of
previous
In Sukanya Samriddhi Yojana (SSY) accounts, how much financial
211 withdrawal is permitted? year

Mr.D enrolled for Pradhan Mantri Jeevan Jyothi Bima

Yojana(PMJJBY). On his death, the nominees approached
the BC Agent for information to claim the insurance Post-
benefits. Which is the most essential proof for initiating the mortem
212 claim ? Report

Governm
Who decides the Rate of Interest payable for Sukanya ent of
213 Samriddhi Accounts? India
In Sukanya Samriddhi Accounts, revision of interest takes
214 place in every Month

How to deal with a Sukanya Samriddhi Account(SSA), in

case account holder becomes non-citizen or NRI after It can be
215 opening the SSA? continued
In case of death of Sukanya Samriddhi Account holder, Date of
216 interest will be paid upto______ Death

In case of extreme compassionate grounds, premature

closure of Sukanya Samriddhi Account can be allowed,
without seeking the permission of Government, only after
217 completion of ___ years 1

Savings
Bank
How much Rate of Interest is payable if Sukanya Samriddhi Interest
Account holder opts for premature closure for other than of our
218 medical reasons? Bank
A Sukanya Samriddhi Account can be regularized within___
219 years? 15

Savings
Bank
What is the Rate of Interest that is payable for amounts Interest
deposited in excess of Rs.1.50 lakhs in a financial year in of our
220 Sukanya Samriddhi Account? Bank
 A Sukanya Samriddhi Account can be transferred 1) Within Only 1 &
the Bank branches, 2) From Bank to Post Office and 3) From 2 are
221 Post Office to Bank. Choose the following correct option. correct

Penalty
will be
credited
to bank
Mr. Adesh subscribe for Atal Pension Yojana. He is paying commissi
subscription amounts irregularly. Penalty is charged and to on
222 which account it is credited? account
Only
Transacti
on
223 What is full form of OTP? Password
224 Which is not a officially valid document? Passport
Officially
verified
225 What is full for of OVD? document
Universal
access to
Which is not one of the six pillars on which Pradhan Mantri banking
226 Jan Dhan Yojana is built? facility
coverage
of
househol
227 Financial Inclusion Plan- Swabhiman focussed on ds
Interest
Which is not a direct/special benefit attached to PMJDY on
228 Scheme? deposits
Cheque
Which of the facility is not provided in PMJDY account even book
229 if the customer requests for? facility
Should
have
What is the eligible criteria to avail personal accident activated
230 insurance cover on RuPay Card? the card
PIN
Should be
What are the precautions to be taken in respect of RuPay never
231 Card? changed
Clearing
bank
232 What is full form of CBS? service
Reduce
risk of
identificati
233 What is the advantage of e-KYC? on
 Explicit
consent
for
biometric
authentic
234 What is required from the customer for performing e-KYC? ation
Which of the following is not shared as individual basic data Photogra
235 by UIDAI under e-KYC? ph
Demat
Which of the services cannot be carried out through mobile account
236 banking? services
Interopera
ble
financial
transactio
237 AEPS is a banking product which allows online…… ns
Government pays the subsidies and other benefits directly
238 to the customers accounts using…. AEPS
Direct
Benefit
Transacti
239 What is full form of DBT? on
When a customer is having feature phone and SMS facility,
240 which type of mobile banking is provided? USSD
When a customer is having smart phone and internet
241 facility, which type of mobile banking is provided? USSD

Financial
Inclusion
is
necessary
for the
242 Which of the statements is not true. country

It is
Which of the statements about the Composite hand-held compact
243 device is not true. & portable

Which function is not supported in a Composite hand-held Deposit in

244 device account

Deposit &
withdrawa
l
transactio
ns are
settled
Which of the following is not a feature of Near Field after 2
245 Communication mobile with contact less card? days
It is
internet
based
technolog
246 Which of the following is not a feature of Kiosk Banking y
 approxim
How many accounts have been opened under PMJDY? ately 10
247 crores
Which mode of Banking channel is not the most suitable for Mobile
248 transactions in PMJDY A/cs? Banking
It helps in
cost
reduction
Which of the following is incorrect in respect of Digital for the
Banking? Bank and
improves
profitabilit
y.
249
Credit
Which is not a payment card?
250 Card
Banking
Which of the following is part of digital banking? at
251 Branches
Deposit
Debit cards are issued for
252 accounts
Purchase
goods
For which purpose Credit Cards cannot be used?
and
253 services

It is a type
What is a 'Prepaid Card'? of Debit
Card.
254
Smart
Cards that store data in integrated circuits are called as…
255 Cards
Green
ATMs established by non-banking entities which do not
label
have bank logos are called as…
256 ATMs
Credit
Metro Rail Cards are known as…
257 Card
Debit
Charge Card is similar to ….
258 Card
What is the differentiating feature of a charge card and a Issuing
259 credit card? Agency
Cash
Which of the following facilities not available in ATM? withdrawa
260 ls
Immediat
e
IMPS stands for …..
Payment
261 system
 It works
differently
from the
conventio
Which is not a feature of Virtual Card?
nal card
for a
online
merchant
262
Which of the following risk is not associated with possession Physical
263 of Debit Card or a Credit Card? Theft
Under PMJDY, the account holder is provided with Rupay
Debit Card with inbuilt accident insurance cover upto 1 lac
264 Rs…….
Technical
Balance enquiry is which type of transaction? Transacti
265 on
LPG subsidy and MNREGA wages are disbursed using NACH
266 which payment system? Debit
Respectiv
Who operates IMPS?
267 e Banks
It is
Which is not a feature of Micro ATMs ? similar to
268 POS
NACH
Latest version of Micro ATMS are based on which system?
269 Debit
By using QSAM (Query Service on Aadhaar Mapper)
service, one can check their Aadhaar seeding status in their *99#
270 Bank Account by dialing….
Unstructu
red
Suppleme
USSD stands for ….
ntary
Social
271 Data
It is a
mobile
What is a mobile wallet? based
virtual
272 container.
Mobile
based
Which of the following is not a feature of mobile wallet?
virtual
273 container
274 How many types of Pre Paid Instruments are there? 3
Mobile Money Identifier (MMID) is a Code with how many
5 digits
275 digits?
 ATMs
maintaine
d by
private
What is the feature of 'Brown Label' ATMs? service
provider
and no
bank logo
on it
276

Hand held
device
Which is not a feature of Micro ATM? enabling
doorstep
banking
277
278 Aadhaar is issued by…..... and contains …….. digits. RBI & 12
It is
India's
own
domestic
which of the following is not a feature of Rupay Card?
card
network
owned by
UIDAI
279
United
What is full form of UPI? Payment
280 Interface
Bharat
What is full form of BHIM? Index for
281 Money

It boosts
financial
inclusion
drive of
282 Which is not a feature of good financial education program? banks
Enable
the
Which is not an outcome of a well designed financial people to
education program conducted by knowledgeable financial save
283 counsellor? regularly
Who will benefit in the long term by creating a well informed
good customer base out of continuous financial education
284 program? BCs
Interactiv
Which of the following is not a feature of Soft skill?
285 e skill
Which of the following is not an example of good
Clarity
286 communication ?
 Work with
commitme
Which of the following will not contribute for improving nt
effectiveness of a Business Correspondants Agent? towards
social
objectives
287
Ask them
How to handle impatient customers?
288 to wait
React
Which of the following is not a tip for coping with a tense
immediat
situation ?
289 ely
290 Which is not a Core competancy for building trust? Service
Which of the following should not be done while handling Listen
291 customer complaints? patiently

As long
Upto what period that the secrecy of customers' information as the
need to be maintained? account is
operative
292
Spouse of
the
Information about account can be shared with _________
account
293 holder
Business correspondent Agent is a/an …………….. Additional
294 between the Bank and financially excluded people. layer
To ensure
customer
Which of the following is not the duty of the Bank ? earns
more
295 income
Ask
questions
How to deal with the suspicious customer ?
and seek
296 clarity
Guide
How to deal with indecisive customers? them to
297 branch
Which of the following quality is not required for Business
Empathy
298 Correpondent Agents ?
Problem
Which of the following is not a soft skill required to build
solving
relationship ?
299 skills
Chronic
Debtors who can pay but do not want to pay are termed as
300 defaulters
Compliant
to the
What is the guiding principle for a recovery agent during bank
collection process? specific
recovery
301 norms
Farmers Club Programme of NABARD was earlier known Self Help
302 as Group
 When
there is
appreciati
Negotiating for compromise of doubtful assets is suitable for
on in the
following type of accounts
value of
the
303 security

Avoid
respondin
g to the
calls of
Which of the following is not a feature of a wilful defaulter
the lender
on one
pretext or
another
304
Month
Recovery from a salaried employee should be timed
305 end
Vikas Volunteer Vahini Programme of NABARD is renamed Durga
306 as Vahini
The
debtor to
grant
specific
Which is not a feature of Negotiation by a recovery agent? power to
agent in
terms of
agreemen
t
307
Document
ing every
efforts
How can you document a negative response by difficult
made to
debtors ?
contact
the
308 borrower

A normal
debtor
who can
A negotiated compromise settlement is suitable for pay and
will pay
when
309 reminded

Complian
ce with
regulatory
310 Success in recovery does not depend on …. norms
 OPTION 2 OPTIONN 3 OPTION 4
Indian Bank SBI PNB

Government of India, State

Government of India and State Government of India, State Government, Sponsoring Bank and
Government Government and Sponsoring Bank RBI

Rs.100000/- Rs.200000/- Rs.500000/-

Special permission required for
No they cannot they may lending
Recurring Deposit and Fixed Recurring Deposit, Fixed Deposit Savings accounts and current
Deposits and Savings Deposit accounts

Detail deposits Temporary deposits Detail and Temporary Deposits

Savings, Current accounts,
Savings, Current account and Recurring deposit and Fixed
Savings and Current Recurring deposits deposits
NABARD Govt. RBI

Nationalised Bank Public Sector Bank Development Bank

Non Fund business and remittence

Lending and Investing services All of the above

Luxury, Need Necessity, Luxury Necessity, Need

same, equal Fixed, Separate Separate, Fixed

BF NBFC MFI
1938 1947 1955

Reserve Bank of India State Bank of India Indian Bank

Non Performing Account Nil performing Asset Nil performing Account

Interest on loans Commission on remittance Locker Rents

Overdraft Free Government

Property of the borrower or any of

Property purchased out of loan Property of the borrower the family member
 20 deposit & 10 withdrawal
No limits 50 transactions per quarter transactions

3.50 4.50 5.00

Open his account after obtaining Open his account after obtaining 'No
'No Dues Certificate' from other Objection Certificate' from other
Refuse to open his account Bank Bank
Bank may restrict number of
No restrictions on deposits withdrawals Both 2 & 3

Basic Simple Bank Demand Basic Savings Bank Deposit Bank Savings & Bank Deposit
Account Account Account

Rs. 500/- Rs. 1000/- Rs. 5000/-

4 withdrawals per month 10 withdrawals per month 25 withdrawals per quarter

Withdrawal restrictions on BSBD

account has been removed and all
After 4 withdrawals in a week After 4 withdrawals in a month withdrawals are now free of cost

3 months 7 days 15 days

10 years 25 years 24 years

Rs. 5 lakhs Rs. 50 lakhs Rs. 1 lakh

The depositor Reserve Bank of India Government of India

Society for Worldwide

International Financial Secure Worldwide International Society of Worldwide International
Transactions Fund Transfer bank Financial Telecommunications

Real Transfer for Goods &

Realtime Gross Settlement Services None of the above

Rs. 25 lakhs Rs. 1.00 Crores No limits

Rs. 25,000- Rs. 2.00 lakhs No limits

National Electronic Financial Notional Equivalent of Financial

Transactions Transactions Notional Electronic Fund Transfer

Indian Fiscal Standards Company Indian Financial System Code India Funded Security Cases

2 days 12 hours 2 hours

During Banking Hours After Banking Hours During Working days for the Banks

Aadhaar number KYC Mobile number

Approved Payment for Better

Settlement Adhaar Permitted Bank System Adhaar Payments Bridge System

Transferred to third parties Paid before their maturity date Pledged to the bank as security

At the end of every quarter At half-yearly intervals Once a year

After a fixed period of time After 3 months After 6 months

The interest rate is pre-decided

TDS is exempted on interest paid The amount is to be deposited when opening the Recurring Deposit
in Recurring Deposits regularly at agreed intervals account

To ensure that the BC Agent

opens account only for known To ensure that the bank gets only To check against opening too many
persons known persons accounts accounts

Route money through hawala Route money through many

channel channels Route money through BC Agents

Obtain another OVD or deemed

OVD with current residence Advice them to approach bank to Counsel the person not to open
address obtain permission account
3 months One month Six months

Small account PMJDY No frills account

Commission Exchange Discount

addition delition multiplication

Variable Semi Fixed Semi Variable

Simple Fixed Flat

Month Day Quarter

Floating Flat Front ended

Floating Flat Front ended

Net Monthly Instalment Negotiated Repayment Demand Repayment

Loan Interest Balance
Compounding interest at every Compounding interest at monthly Compounding interest at weekly
quarter intervals intervals

Equated monthly instalments Easy money instalments Entire money instalment

Un secured Guaranteed No risk

3-5 years 2-4 years 3-6 years

12-18 years 15-20 years 15-25 years

Ensure subsidy from the

Government Take Guarantee only fully built houses are financed
Any SARFAESI compliant property
Any property covering 100% of the Any SARFAESI compliant property covering atleast 50% of the loan
loan amount covering 100% of the loan amount amount

Course period plus six months Course period plus one year Course period plus two years

10 years 15 years 25 years

10 years 15 years 20 years

Step-up repayment Both 1 & 2 None of these

2 4 1
Above Rs 50,000/- - up to Rs 5 Above Rs 5.00 lakhs and up to Rs
lakhs 10 lakhs None of these

Rs 5.00 lakhs Rs 10.00 lakhs RS 20.00 lakhs

Rs 10.00 lakhs Rs 20.00 lakhs No restrictions on maximum amount

Pledge Mortgage Assignment

Above Rs 50,000/- - up to Rs 5 Above Rs 5.00 lakhs and up to Rs
lakhs 10 lakhs None of these
MUDRA Yojana loans are collateral
SARFAESI compliant property Third Party Guarantee free loans.

Yuva Tarun Kishore

Medium Units Developments & Micro Units Department and Medium Units Department and
Refinance Agency Ltd Refinance Agaency Ltd Refinance Agency Ltd

Auto loan Overdraft Education loan

Above 7.50 lakhs Above Rs 5.50 lakhs Above Rs 2.50 lakhs

Above 7.50 lakhs Above Rs 5.50 lakhs Above Rs 2.50 lakhs

Non productive purposes Diversification purposes Liquidation purposes

No in the national interests Yes in the national interests No in the interest of BC Agent

Sanctioning loans only to few Sanctioning loans only to few

activities Avoid concentration of loans geographic locations

land and building Integrity of the borrower Insurance policies

District Level Technical
State Level Banker's Committee None of the above
Committee
Small Farmers For loans up to Rs 1,00,000 Marginal Farmers

Minimum Drawal Limit Maximum Debt Limit Minimum Debt Limit

Short term loan limit arrived for 5th Long term loan requirement Inclusive of short term and long term
year proposed during 5 year period loan limits arrived for 5 years term

SHGs JLGs Non cultivators of land

10% of crop production needs 20% of crop production needs None of the above

financed only when term loan is not financed when term loan is
not financed
considered considered

At ATM At the BC Agent All of the above

3 years 5 years None of the above

Maximum Drawal Limit ( MDL) Maximum Present Limit (MPL) Minimum Permissible Limit (MPL)

Expiry date of relevant crop season

MDL Expiry date MPL Expiry date period given for asset classification
norm
as per the guidelines of State as per the Government guidelines
Optional Level Banker's Committee issued for time to time

Personal Accident Insurance Health Insurance Assets Insurance

Such loans can be sanctioned only

when the government procures the
Such loans can be sanctioned and produce and allow the farmer to Such Loans can be sanctioned only
amount can be released only after store the produce in the for large farmers with above 10
closure of crop loan warehouse acres of land
Bank has to keep aside some of
Bank has to provide more capital None of these
their profits earned in that year

Sub-standard Assets Doubtdul Assets Loss Assets

6 months 12 months 24 months

60 days 90 days 180 days

2 3 4

2 3 4

Sending Notice to the borrower Filing case in the court of law Shaming the borrower in the public

Assets Assets and Liabilities Assets and Contingent Liabilities

Loss Assets Doubtdul Assets Semi Standard Assets

2 3 4

Irrecoverable Good for bank Gives more benefit

Sub-standard Assets Doubtdul Assets Loss Assets

It is good for the balance sheet of It will reduce operating profit of the Most of the borrowers of the bank
a Bank bank are repaying regularly

delay in updating pass book statement of account all the above

courtesy in dealing timely resolution all the above.

Inadequate service Both 1&2 None

Service manager Kiosk Operator Business correspondent

Once in 15 days Monthly on 15th Weekly on Friday

within 15 days within 7 days within 10 days

Reserve Bank of India Banking Ombudsman District Collector

Particulars of Nodal officer of the

Bank BankingOmbudsman Kiosk Operator name

21 days 7 days 30 days

1981 2006 2001

2 years 5 years 6 years

30 days 21 days 60 days

Not exceeding Rs.10 lakhs Amount claimed plus legal charges Maximum Rs5 lakhs

15 days 7 days 30 days

Bank supervision Control the BCs Both 1 & 2

Cash Reserve Ratio Cash Return Ratio Current Capital Ratio

Foreign Banks Private Banks Public Sector Banks

Statutory Liquidity Ratio State Liquidity Ratio Sector Liquidity Ratio

Aadhar Card Bank Account All of the above

International Regulatory and Instant Regulatory and Insurance Regulatory and

Development Authority of India Development Authority of India Development Authority of India

Health Insurance Pollution

Pension Payment Insurance

Lend money to public Stand Guarantee for big loans None of them

SBI NABARD PNB

RBI Policy Last Mile Delivery All of the above

Micro Finance Institutions Government Organisations Regional Rural Banks

Can meet the unmet demand from Can get huge tax rebates from the Can contribute towards inclusive
the excluded Government growth of the country

Affordable Credit Sustainable Livelihoods Financial Advice

Financial Transaction Financial Exclusion Financial Advice

Unviable and transaction cost Attitude of the bank staff Lack of necessary guidelines

Foregoing their earnings during High amount of charges which are

the day they vist the branches Both the option 1 and 2 not affordable to them
AEPS BSBDA IMPS

Electronic Clearing System Electric Clearing Service Easy Clearing Service

National Electronic Fund

National Electronic Fund Transfer Notional Electronic Fund Transfer Technology

Cheque Truncation System Clearing transfer system Cheque transfer system

Sole Help Group Self Assiting Group Self Help Gang

Savings deposited in SB account The support provided by The initial corpus amount required
of SHG Supporting Agencies to start a SHG

4-8 members 10-20 members 20-25 members

Formally joined by the Informally formed by specified Involuntarily formed by different

Government government departments organisations

Advance loans to the members Avail incentives from Government Get better grading by NABARD

Developing Trust and Self Act as a medium for socio- To reinformce the authority of
Confidence economic development of Villages certain persons in the villages
 Maintain books for the transactions
Saving Compulsorily Financing the needy in the villages of SHGs

Reaching to the unbanked areas Ensuring sustainable livelihoods Intermediating banks and customers

Increasing the Outreach of

Sustainable Financial Inclusion Banking sector All of the above

Temporary Contract Outsourcing

Chaina Brazil India

Agent Employee Bridge

Can May Depending on Bank policy

Cannot May Depending on Bank Policy

Compliance Operational Natural Calamities

Land holding pattern and its If they have loans, their lending
Cash Flow pattern wherabouts pattern

SHGs Proprietary firm MFIs

Delivery of Savings & Insurance Small value remittances and

products Sale of Lottery tickets payments

Philosopher Guide Agent

Limited range of banking services Save operational cost by reducing Save operational costs of setting up
at low cost staff a brick and mortar branch

Give customers complete, actual Treat all customers alike with no Protect and respect the privacy of
and truthful information disparity the customer

Helps the bank to take approriate Helps the bank to assess the
credit decisions performance of BC Agent Both 2 & 3 options
 Printing system generated receipts
Limiting amount of payments and Appoint only rich person in the for the transaction made and issuing
receipts to an individual village as a BC Agent to the customers

No formal school education but

having sufficient experience in the Should not be engaged by more Continuously staying in the area for
field than one bank the past three years

Bimal Jalan Raghurama Rajan DR.Y.V.Reddy

Processing of loan applications

Establishment of Farmers Clubs with the help of Bank Conducting Farmer Services

8th standard 12th standard Graduate

To ensure that the branch need To judge the effectiveness as a BC

not open another BC Point in the while performing the To mitigate risks arising out of
area responsibilities assigned outsourcing

Corruption Bribe Irregularity

Quarterly Half yearly Annually

Pay best remuneration to the BC Constantly assess the risk and keep
Take preventive measures to prevent them committing frauds them under acceptable levels

easyily available, problems costly, advantages complex, comfort

Safety Cost Privacy

Short payment made to the

customers ATM is out of order All of the above

2 5 3

Avoiding Detection Response

Offer guarantee on behalf of a Offer investment services for a chit Help the customers by entering their
customer fund PIN in card based transactions

Proper risk disclosures Handholding by the BC Agent All of the above

Strategic Risk Access Risk Compliance Risk

Only one BC of reputation should The bank officials should oversee

be engaged for one region the operations of BC Agent BC Agent should be trained properly

Competition Risk Reputation Risk Contratual Risk

1st April to 31st March 1st July to 30th June 1st June to 31st May

Rs.1.00 Rs.1.50 Rs.2.00

Rs.31/- Rs.30/- Rs.40/-

20 years 10 years 40 years

Increase Either Decrease or Increase Neither Decrease not Increase

Yes, with the permission of Yes, with the permission of Reserve

NO Government of India Bank of India.

Yes, with the permission of SBI Yes, without any permission from Yes, without any permission from
Life any authority any authority
Pradhan Mantri Suraksha Bima
Yojana Personal Accident Scheme Atal Pension Yojana

Rs.12/- p.a. Rs.330/- p.m. Rs. 330/- p.a.

18-60 Years 18-70 Years 18-55 Years

Death due to other than accident Permanent Total Disability Permanent Partial Disability

Rs.1.00 lakh Rs.1.50 lakhs Rs.0.50 lakhs

A bank can decide on an insurance

New India Assurance Company company to act as their nodal
Limited insurance company SBI General Insurance Company

Endowment Insurance Scheme Money Back Insurance Scheme Accident Insurance Scheme

No At the discretion of F.O. At the discretion of B.M.

Children Parents As per the wish of the subscriber.

Only one Only Two Not more than two

Rs.50/- Rs.500/- Rs.250/-

Quarterly Monthly Yearly

Depositor suffering from Life

threatening Diseases Either Option 1 or 2 When the girl child is married
Rs.1,00,000 Rs.2,00,000 Rs.50,000 per girl child

50% of the balance as on the date 50% of balance as at the beginning 50% of balance as at the beginning
of application of previous financial year. of current financial year

Death Certificate First Information Report(FIR) Panchanama

Reserve Bank of India State Bank of India NABARD

Quarter Half Year Year

Depends upon the choice of Depends upon the decision of

It must be closed depositor Government of India

Date of intimation Date of Maturity Date of Payment

2 3 3

Applicable Rate of Interest as on Applicable Rate of Interest as on the

Post Office Savings Bank Rate the closure date closure date minus 1%.

10 5 3

Applicable Rate of Interest as on the

Post Office Savings Bank Rate No Interest is paid date of deposit
Only 1 & 3 are correct Only 2 & 3 are correct All are correct

Penalty amount will be credited Penalty will be credited to PFRDA Penalty amount will be credit to
to Govt. income account account pension corpus

One Time Password One Time Password One Truly Pass

Permanent Account Number Driving License Ration Card

Officially valid document Officially verified demo Only verified document

Creation of Credit Guarantee Fund Providing Basic Banking Accounts

for coverage of defaults in with overdraft facility upto
Financial Literacy Program overdraft accounts Rs.25000/-

coverage of villages coverage of banks coverage of individuals

Withdrawal of money from any Minimum charges which are

Accidental Insurance Coverage ATM affordable

Access to pension and insurance Access to pension and insurance

products products Overdraft facility

Should have performed a financial Should have performed a financial

or non financial transaction within or non financial transaction within 60
Card should be with the customer 90 days of the death days of the death

Card should be kept in safe Card should be kept in safe custody

PIN Should be frequently changed custody with the BC agent with the BC agent

Core banking solutions Core banking services Clean banking services

Reduce risk of Identity fraud or

document forgery Reduce risk of documentation Reduce risk of verifying OVD
Implicit consent for biometric
authentication Explicit authorisation from UIDAI Implicit authentication from UIDAI

Gender Address Name

Bill Payments Bill Payments e-KYC

Interoperable non financial

transactions International fund transfer Intra day fund transfer

AEPB APBS IMPS

Direct Benefit Transfer Detailed Benefit Transfer Detailed Bank Transactions

UPI BHIM AEPS

UPI IMPS AEPS

Technology is a hinderence in
Technology will help in Financial bringing in more people under Technology will enable to provide
Inclusion financial network services to financially excluded

It has an embedded fingerprint

It supports magstripe Cards scanner It does not have a printing facility

Withdrawal from Account Fund Transfer Best Finger Detection

Fingerprint matching is done for all Full traceability & audit trail of
debit transactions Customer Account is held centrally transactions is maintained

The kiosk functions like a full-

It is bio-metrically secured Transactions are settled realtime fledged Bank branch.
approximately 20 crores approximately 30 crores approximately 40 crores

Banking at Brick and Mortar

Digital Banking Internet Banking
Branches

It improves customer satisfaction

It will reduce frauds It drives long term relationship.
and thereby their loyalty.

Debit Card Loyalty Card Plastic Card

Mobile Banking SMS Banking Both 2 & 3

Loan accounts Both of the above None of the above

Withdraw cash Lend small amounts to the needy Online shopping

It is pre-loaded with a definite It has features of both debit and

It is a type of Credit Card.
amount. credit card

Magstrip Cards Prepaid Cards Credit Cards

White label ATMs Blue label ATMs Black label ATMs

Debit Card Stored Value Card Charge Card

Credit Card Stored Value Card Prepaid Card

Repayment mode Grace period Flexibility

Mobile Recharge Utility Bill payments Repayment to loan account

Inter-Bank Payment Service Intermediate Payment Service Immediate Payment service

 It facilitates control, security and
It protects the users from frauds. It is meant for online transactions.
convenience.

Phishing Skimming Safe keeping

2 lacs 3 lacs 5 lacs

Financial Transaction Non-financial Transaction All the above

Aadhaar Payment Bridge System Aadhaar Enabled Payment System National Financial Switch

RBI SEBI NPCI

It is not linked to a bank account It is a hand held device with

It does not require ATM Card
but linked to Aadhaar biometric authentication

Aadhaar Payment Bridge System Aadhaar Enabled Payment System National Financial Switch

*999# *99*9# *99*99#

Unstructured Supplementary
United States Service Data Unstructured Social Service Data
Service Data

It is pre-loaded with a definite

It is a type of Credit Card. It is a type of Debit Card.
amount.

Can purchase online or offline

After usage the amount can be
Amount can be preloaded provided the merchant is listed with
post loaded
the mobile wallet service provider

2 Many 4

11 digits 7 digits 9 digits

 Outsourced third party owns and
ATMs maintained by the Banks ATMs shared by multiple banks
operates the ATMs

Facilitates authentication through It does not facilitate interoperable

Mobile ATM
biometric based, PIN based etc transactions

UIDAI & 12 RBI & 11 UIDAI & 11

It is a magstripe/CHIP Debit card,

It is devised as an alternative to
which enables transactions at It is SMS/DMS nased card product
VISA & Master Cards.
Micro ATMs.

Unified Payments Interface Union Payments Index United Payments Interference

Bharat Index for Monetary

Bharat Interference for Money Bharat Interface for Money
transactions

It encourages people from Savings by financially included

unbanked areas to be financially persons would lead asset building The BC agent will be considered a
included in their household very important person in the process

Enable the people to save in Enable the people to make Enable the people to make informal
financial institutions than trusting informed decisions in investing in a decisions in investing in a
chit funds etc product/scheme product/scheme

Banks Government of India Reserve Bank of India

Communicative skill Cognitive Skill Higher Education

Empathy Noise Eye-contact

Develop and understand Have multiple Agencies with
Have sensitivity to the customers
knowledge of finance different Banks

Do not open accounts for such

Avoid delay in serving them Send them to the branches
customers

Remain calm Apologize gracefully Respond appropriately

Consistency Transparancy High handedness

Seek clarity Be efficient Engage in argument

Even after closure of the Even if the customer is not

All of the above
acccount. operating the account

Either of (i) or (ii) or any familiy

Children of the account holder None of the above
member

Informal support system Bridge Both 2 and 3 options

To maintain secrecy of the

To issue a passbook To accept cheque for collection
Customers Account

Ensure prompt service so that he Avoid such customers and send Provide correct and concise
is not suspicious them to branch information on the transactions done

Hand hold the customers till they Ask them to wait till they are
Ask questions and seek clarity
gain confidence decisive

Listening Avoiding Conflict resolution

Patience Apologize Avoiding

Easy defaulters Wilful defaulters Fraudulent defaulters

The norms are dynamic and can Humiliating the borrower for
Using physical force when required
be changed as per the situation repayments

Vikas Volunteer Vahini ACABC Krishak Mitra

 When the borrower is not having
Assets are available as security means to repay the entire amount When the court advises the banks
and the security is deteriorated

Avoid meeting the recovery Cancel the appointment with

Proactive in meeting the lenders
agents lenders representative repeatedly

Anytime before the salary

Middle of the month Coinciding with the salary payment
payment
Farmers Club KVIC Joint Lender Group

Agent should adhere to the A final approval from the debtor

In the interest of the debtor, agent
authority and parameters of the may also be taken by the agent if
taking a decision
compromise as per the agreement required

Audio recording of the

conversation in full knowledge of Both Option 1 and 2 Filing a case against such debtors
the borrower

A debtor whose means of earning

A difficult debtor An absconding debtor
deteriorated

Collection skills Appropriate Strategy Muscle power of the BC Agent

ANSWER Chapter No
3 1

3 1

2 1

2 1

2 1

1 1

4 1
4 1

3 1

4 1

1 1

1 1

1 1
1 1

2 1

1 1

2 1

1 1

1 1
2 2

1 2

4 2

4 2

3 2

1 2

2 2

3 2

3 2

2 2

4 2

1 2

1 2

2 2

4 2
3 2

1 2

3 2

4 2

1 2

1 2

4 2

2 2

3 2

1 2

2 2

1 3

1 3

2 3
2 3

2 3

1 4

1 4
2 4

1 4
1 4

1 4

2 4

1 4
2 4

4 4

2 4
1 4

2 5

3 5

3 5

1 5

3 5

3 5

4 5
3 5

1 5
2 5

3 5

3 5

3 5

3 5

4 5

2 5

1 5

3 5

2 5

2 5

1 6

2 6

3 6

3 6
2
9
4
9

1
9
1

2
9
1
9

4
9
3 9

1
9

4
9

1 9

4 9

2 9
4 11

1 11

3 11

4 11

2 11

1 11

4 11

2 11

4 11

4 11

2 11

1 11

3 11

4 12

4 12

3 12

1 12

3 12

3 12
3 12

4 12

2 12

3 12
3 12

4 12

2 12

3 12

3 13

2 13

1 13

2 13

3 13

4 13

3 13
2 13

3 13

1 13

3 14
2 14

3 14

3 14

3 14

2 14

3 14
3 14

1 14

2 14

2 14

1 15

1 15

3 15

1 15

2 15

4 15
3 15

3 16

4 16

4 16

3 16

1 16
1 16

1 16

4 16

4 16

3 16

3 16

4 16

3 16

1 16

2 16
3 16

2 16

1 16

4 16

1 16

3 16

1 17

2 17

3 17

1 17

1 17

1 17

4 17

2 17
1 17

3 17

3 17

2 17

3 17

4 18

2 18

3 18

2 18
3 18

2 18

3 18
3 18

2 18

3 18

2 18

2 18

3 18

1 18

1 18

1 18

2 18

4 18

4 18

3 18
1 18

1 18

2 18

1 18

2 18

2 18

1 18

4 18

2 18

1 18

3 18
4 18

4 18

2 18
4 18

2 18

4 18

2 18

4 18

3 18

3 18

2 18

2 18

2 18
1 18

3 18

4 18

1 18

3 18

2 18

1 18

2 18

3 20

4 20

4 20

1 20

4 20
3 21

3 21

3 21

3 21

4 21

1 21

3 21

3 21

1 21

2 21

3 21

2 21

2 21

4 21

4 21
1 21

4 21

1 21

3 21

2 21

4 21

3 21

3 21

4 21

2 21

1 21

3 21

1 21

3 21
4 21

4 21

2 21

1 21

2 21

3 21

4 22

4 22

2 22
4 23

3 23
4 23

2 23

1 23

4 23

4 23

4 23

4 23

3 23

1 23

4 23

2 23

3 23

4 23

3
24

24
2
24
3

24

24
4
24
2
24

24

24

24

4 24