1 SOME FINACLE GENERAL MENUS Broad Parameter Daybegin
Dayend
Account Opening
Account Maintenance
Account Closure
Handling of Cheque Book
Inventory Management
Loan & Advances
Menu Option OCST OXFT ISOUPL TFDDHOC ABH SOLEOD CUMM CUMI OAAC OAACAU FOAAC FOAACAU ACM ACI ACS ACSP CUS ABMR JTHOLDER ACLI ACCBAL SIM SIRP INTTM REGFLOW ACXFRSC ACXFRSOL CACC CACCAU CAAC CAACAU TDBATCH ICHB ICHBAU CHBM CHBMAU SPP SPPAU SPRG INQACHQ XFCHBAC CBPR IMC IMI IMR ISI ISIA IMAUM SRM ACLHM LADGEN PHINQ PARTINQ LAOPI LAGI EIRPTS MEAC MAPD RPDA
Menu Description Opening of Cash Transaction Opening of Transfer Transaction Uploading of Intersol Income Transferring of non-finacle draft to HO After Business Hour Day End Process of a SOL Creation of Customer ID Inquiry for a Customer ID Opening of Account Verification of Account Opening of Flexi RD a/c Verification of Flexi RD a/c Modification of existing account Account Inquiry Selection of Accounts on a given criteria Printing of accounts on a given criteria Selection of Customers on a given criteria. Account below minimum balance in SF/CA/CC/OD a/c. Joint Holder of an account Account ledger balance inquiry Component of account balance. Standing Instruction Standing Instruction Register Print Modification of rate of interest after verification of an a/c. Regeneration of flow in case of TD after verification of INTTM Changing scheme code of an account Transfer of account across SOL Application of charges Verification of charge application Closure of an account Closure verification Updating closure date in a TD a/c. Issuance of Cheque Book Verification of Cheque Book Cheque Book Maintenance Verification of Cheque Book Marking STOP PAYMENT Verification of STOP PAYMENT Stop Payment Report Inquiry on an a/c on the basis of a Cheque Number Transfer of cheque book between accounts of same customer. Printing of Customer a/c on the Cheque leafs. Movement of security forms between location. Inquiry on Inventory movement Inventory movement report Inquiry on Inventory in own location Inquiry on Inventory in other location. Split & Merge Inventory. Changing Double Lock Holder Adding / modifying security in an a/c. Adding / Modifing LIMIT in an a/c. Application of Interest in a loan a/c Inquiry on Partition Account for Simple Intt Loans. Inquiry on history of Partition Account for Simple Intt Loans. Loan overdue position inquiry. Total liability on a Loan a/c. EI Reports. Marking an account as NPA Transferring an account to Protested Category Reversal from Protested to General category
2
Signature Handling
Term Deposit
Remittance
Bills
Clearing
Transactions
LAXFRINT PRELAX ADINTREC LDIMG IMGMNT SIGVER SLDIMG IMACCUST TDSIP TDSCALC
Transfer of interest to principal for simple intt loans Transfer of interest to principal for simple intt loans Recovery of Advance Interest for Education Loan a/c. Uploading of Signatures to Finacle Maintenance of a signature Mass verification of signatures Uploading of a Single Signature file Attaching signature to a Custid Inquiry on TDS. TDS CALCULATION
FDOCD MDD TDRCL HTDSPROJ
FIXED DEPOSITS OPENING CLOSURE DETAILS MATURITY PERIOD WISE LIST OF DEPOSITS TD RENEWAL CONFIRMATION LETTER CRV OPTION FOR PROJECTED TDS
REDRP TDEXT TDCLS ACDET DN DUDRP RFTDS RMTDS TDREN DRP RELACI FOVER DDPRNT DDRPRNT HOCIP DDPALL NFADV DSPFWQ DDC DDLOST DDREVERT DDD DDII DDIC DDID DDSM DDUPDT NFCAN NFADV BM BI BRCR BRRBPR MICZ ICTM MCLZOH OCTM IOCLS UNLKZ MARLPEND REVPEND OPQ TROFSETS TM TI PTM TTUM FTI AFI
REPRINT DEPOSITS RECEIPT EXTENSION OF TERM DEPOSIT CLOSURE OF TDS - WORK FLOW ACCOUNT BALANCE DETAILS DUE NOTICE DEPOSITS RECEIPT PRINT [DUPLICATE] Refund of TDS wrongly charged Remittance of TDS Renewal of Term Deposit Receipt Deposit Receipt Print Related account details Transfer of overdue RD to ODRD Printing of a Draft & Cash Order Re-printing of a Draft / Cash Order Printing of TPO Mass printing of Draft & CO Marking of non-finacle draft advice. Display work flow queue Cancellation of Draft & Cash Order Marking a Draft / Cash Order as lost. Cancellation of DDLOST Issuance of duplicate Draft & Cash Order. DD issue inquiry DD credit inquiry DD Paid inquiry DD status inquiry Reconcilation of Draft by updating fields Cancellation of DD Advice Marking of Draft Advice Bills maintenance Bills inquiry Bill Balance Report ODD Register Maintenance of Inward Clearing Zone Entry of instrument in an inward clearing zone Maintenance of Outward Clearing Zone Entry of instrument in an Outward clearing zone Inquiry of an instrument in an Outward Zone. Unlock a clearing zone. Marking an instrument as pending Revoking pending Fate of an instrument presented in an outward clearing zone. Transferring of a clearing set. Transaction maintenance Transaction inquiry Post Dated transaction Uploading of transfer transaction Inquiry on financial transaction Inquiry on non-financial transaction
3
LC & LG
ATM
INTERNET BANKING RTGS/NEFT
CREDIT CARD Others
Locker
ACTODM TODM SPTM ODCM IDCM GMM GI DCARD DPINREQ ACI/7 SWCM IBSRPOST IBSCPOST HRTGS IFSCI PNBRPT 21/7 PNBRPT 25/4 RTGSPNB NEFTPNB RTGSBULK CCPAY
Allowing TOD in an account TOD maintenance Reversal of Proxy Transaction Outward documentary of credit Inward documentary of Credit Gurantee maintenance Guarantee Inquiry Debit card Management (For Issue a Card) Duplicate PIN Request LIST OF CARD LINKED TO THE A/C CARD ACCOUNT INFORMATION MAINTENANCE Retail Internet Banking Issue & maintenance Corporate Internet Banking Issue. RTGS/NEFT sending & maintenance IFSC Inquiry (to find Bank & Branch Code) IFSC code for RTGS enable branches of other banks IFSC code for NEFT enable branches of other banks RTGS related reports NEFT related reports Upload of bulk transactions of RTGS/NEFT Collection of Credit Card Payments
CCAPPL INTCERT SHORTFAL HACLINQ HINTTI HUPM HIOGLT HCCA LKTRM LKCPM LKKM LKCM LKCHM LKRCM LKRRBAT LKOPS LKREPM
Application sourcing Generation of Interest Certificate Recover the charges/fees/levies Account Ledger Inquary INTEREST DETAIL INQUIRY User profile Maintenance Inquire On GL Transactions Change Customer ID of Account LOCKER TYPE MAINTENANCE LOCKER TYPE CHARGE MAINTENANCE LOCKER KEY MAINTENANCE LOCKER CUSTOMER MAINTENANCE LOCKER TRANSACTIONS-HISTORY MAINTENANCE LOCKERRENT – CHARGE COLLECTION MAINTENANCE LOCKER RENT COLLECTION – BATCH MODE LOCKER OPERATIONS LOCKER REPORTS SOME ONS MENU
Sl No 1
ONS Menu HCUMM
Web Menu CUMM
2 3
HCUMI HACS
CUMI ACS
Description Customer Master Maintenance Customer Master Inquiry Account Selection
4
HCUS
CUS
Customer Selection
5
HFTI
FTI
6
HACLHM
ACLHM
7
HACTODM
ACTODM
Financial Transactions Inquiry Account Limit History Maintenance Account TOD Maintenance
8
HLNM
LNM
Limit Node Maintenance
9
HLADGEN
LADGEN
10
HINTTI
INTTI
Loan Demand Generation Process Interest Table Inquiry
Displays the interest rate for a particular account.
11
HIOGLT
IOGLT
Inquiry on GL Transactions
Displays the transactions in Gold Loan accounts
Function Modification Of Customer ID Inquiry of Customer ID Selection of a range of accounts satisfying a particular criteria Selection of a range of customers satisfying a particular criteria Selection of those financial transactions which satisfy a particular criteria Displays the limit history details of a particular account Displays the TOD details of a particular account Displays all the related accounts for a particular customer.Used for calculating total credit exposure of a particular borrower. Providing uptodate interest in loan account.
4 12
HOCI
NO WEB EQUIVALENT
Outward Cheque Inquiry
13
HOIQ
OIQ
Outward Clearing Instruments Inquiry
14
HOPQ
OPQ
Outward Clearing Part Tran Inquiry
Displays the credit part transactions of Outward Clearing Zone according to a particular selection criteria.
15
HALM
ALM
Account Lien Maintenance
Displays the lien details for a particular account
16 17
HLADISB HLANM
LADISB NO WEB EQUIVALENT
Loans Disbursements Limit Node Maintenance
18
HLAOPI
LAOPI
19
HLAPSP
LAPSP
20
HLNI
LNI
Loan Overdue Position Inquiry Loan Account Pass Sheet Print Limit Node Inquiry
Disbursement of a particular loan account Displays all the related accounts for a particular customer.Used for calculating total credit exposure of a particular borrower. Displays the overdue position of various loan accounts satisfying a selection criteria Prints the account statements for loan accounts
21 22
HBRTM HCCA
BRTM CCA
23
HPTTM
PTTM
24 25
HRRCDM HSCFM
RRCDM SCFM
26
HCHBM
CHBM
Reference Code Maintenance System Control File Maintenance Cheque Book Maintenance
27
HHII
HII
Hot Item Inquiry
28
HADVC
ADVC
29 30
HPSP HOAACCC
PSP OAAC
Print Debit/Credit Advice to customer. Pass sheet Print Open a Cash Credit account
31
HUPM
UPM
User Profile Maintenance
32
HACINT
ACINT
Interest Run for Accounts
33
HAFI
AFI
Audit File Inquiry
34 35
HBRTI HCCS
BRTI CCS
36
HCSM
37
HOAACOD
NO WEB EQUIVALENT OAAC
Branch Table Inquiry Change Context Service outlet Combined Statement Maintenance Open a Overdraft account
38
HOAACMOD
ACM
39 40
HOAACMCC HACLINQ
41
Branch Table Maintenance Change Customer ID of Account Part Tran Template Maintenance
Displays the instruments lodged in Outward Clearing Zone for a particular account according to a particular selection criteria. Displays the details regarding instruments lodged in Outward Clearing Zone
Displays all the related accounts for a particular customer.Used for calculating total credit exposure of a particular borrower. Maintenance of various branch details. Changes the Customer Id oa an account Displays the various actions called upon by a specified event Displays the code for various reference types Creation of new SOL. Displays the cheque book details of a particular account Details of various items like dividend warrants, cheques etc Prints the advice of various customer transactions. Prints the Statement for the specified account Used for opening a cash credit account Displays the user authentication levels for a particular user Performs Interest Run for the specified account(s) Displays the modifications done for a specified account on a particular date Displays the details of a particular branch. Changes the SOL ID for a particular user. Generation of statements of all those accounts linked to a particular Customer Id. Opening an Overdraft account
ACM ACLI
Modification of Overdraft account Modification of CC account Account Ledger Inquiry
Modification of a Overdraft account Modification of a CC account. Displays the transactions for a particular account
HTDSIP
TDSIP
TDS Inquiry & Printing
Displays the TDS Certificate
42
HACTODI
ACTODI
Account TOD Inquiry
Displays the TOD details of a particular account.
43
HTDSPROJ
NO WEB EQUIVALENT
Projection of Customer level tax.
44
HMEMOPAD
NO WEB EQUIVALENT
Memopad Maintenance
Displays the Customer level tax details for the current financial year.Useful when arriving at whether a customer may fetch tax or not. In case, additional details of a customer is to be stored like documentation incomplete etc.
5 45
HOAACVCC
OAACAU
46
HOAACVOD
OAACAU
47
HACITD
ACI
48
HACMTD
ACM
49
HOAACMTD
ACM
50
HOAACVTD
OAACAU
51
HACI
ACI
52
HACM
ACM
53
HOAACCA
54
HOAACSB
55
Verification of Cash Credit accounts Verification of Overdraft account. Customer Accounts Inquiry for Term Deposit account. Customer Accounts Maintenance for Term Deposit accounts. Modification of Term Deposit Accounts Verification of Term Deposit account Customer Accounts Inquiry
Verification of Cash Credit account. Verification of Overdraft account. Displays the account level details for a particular account Modification of various account level details for a particular account Modification of Term Deposit Accounts Verification of Term Deposit account.
OAAC
Customer Accounts Maintenance Open a Current account
Displays various parameters for the specified account. Modifying various parameters for the specified account. Open a Current account.
OAAC
Open a Savings account
Open a Savings account.
HOAACTD
OAAC
Open a Term Deposit account
Open a Term Deposit account.
56
HOAACMSB
ACM
Modification of Savings Account
57
HOAACMCA
ACM
58
HOAACVCA
OAACAU
59
HOAACVSB
OAACAU
Modification of Savings Account Modification of Current Account Verification of Current account Verification of Savings account
Modification of Current account. Verification of Current account Verification of Savings account.
CBS QUESTIONS SET-I 1. TACBSH is the menu option to be used while changing the a. GL Sub Head Code b. GL Main Head Code c. Category of accounts d. None of these 2. From which menu you can get the a/c no of a ATM/DEBIT card . a. ACI b. CUMM c. SWCM d. None the above 3. Menu option required to run at Sol if interest calculations are required to be run before closing of an Loan account is a. LADGEN b. PCINT c. ACINT d. None of the above 4. Order of preference for telecom lines for obtaining connectivity to roll out branches in Finacle is as follows: a. ISDN, RF,LL b. RF, ISDN,LL c. RF,LL,ISDN d. LL, ISDN, RF 5. Ping is a command which checks about a. Latency of the response b. Health of the line c. Availability of connectivity d. None of the above 6. Menu option used to inquire about outstanding and reversed entries as per the selection criteria for Sundry and Suspense Accounts is a. IOT b. TM c. FTI d. Both (a) and (b) 7. In order to exempt pensioners a/c. from minimum balance charges recovered (a) Field “TYPE” should be IPENR in OAAC (b) Field “TYPE” should be IPENR in CUMM (c) should be handled procedurally (d) none of the above 8. The latest date of renewal must be entered in all the CC/ OD a/c. through menu option a) ACLHM (b) ISWGS (c) IPENR (d) ARENL 9. Asset classification code is modified done by using menu option a) MEAC (b) ACLHM (c) SASCL (d) DERCGI 10. If wrong intt. Table code is in FD A/c. then the same can be changed through a) INTTM (b) RAUDIT 1/9 (c) A/c. should be closed and fresh a/c. be opened (d) SRM 11. What is the maximum amount for transaction through NEFT using internet banking channel (a) 1 lac ( b) 5 lacs (c) No limit (d) 10 lacs 12.The appropriate scheme code to open clean OD a/c of staff members a) ODSCL (b) ACM (c) ACSP (d) Staff
6 13. The a/c. where intt. Rate is defined at limited level , menu option ____ is to be used to give effect for the enhancement in intt. Rate . a) INTTM (b) ACLHM (c) STNSC (d) none of the above 14. To handle relaxation in intt. Rate by ZM’s and above, appropriate numeric value with minus sign in a/c. PRF. Intt. (Dr.) field is to be filled in a) S details (b) G details (c) A details (d) none of the above 15. The locker number of finacle is a) 7 digit no. with first two alpha (b) 5 digit No. (c) 7 digit no. (d) none of the above 16. For Locker key maintenance menu is a) LKKM (b) LKCM (c) LKKC (d) None of these 17. The menu option for intersol transfer of funds is (a) ISTRF (b) TLSWH (c) TRANSFR (d) TPO 18. In CBS, the service tax is applied through menu option a) SERTAX (b) SERVICES (c) ITAXS (d) None of the above 19. One of the major functionalities of Finacle version 7.0.11 is ONS Menu option, which are being released in phases. The total no. of options are (a) 20 (b) 40 (c) 60 (d) 80 20. The ONS Menu option in lieu of ACLI is a) HACLI (b) ACLIR (c) HACLINQ (d) Yet to be released 21. The menu option for adding, modifying or verifying the additional information captured in Annexure to AOF is a) OAAC (b) OAACAU (c) ACFRM (d) none of the above 22. The menu option for generating amortization history of bills is (a) AMHOB (b) BM (c) HBM (d) none of the above 23. Any inventory movement from one location to another location requires authorisation by user designated through Menu Option. a) IMAUM (b) IMUAM (c) IMC (d) IMI 24. Inventory movement report can be checked through menu option (a) IMR (b) IML (c) ISI d) None 25. What is work class of DBA (a) 100 (b) 080 (c) 300 (d) 070 26. An a/c. will be treated as a new a/c. from the date of opening a) upto 6 months (b) Upto 3 months (c) upto 1 yr. (d) none 27. In SF a/c. within 3 months of its opening , system shall raise exception if the user puts through a transaction of (a) Rs. 10000 (b) Rs. 25000/(c) Rs. 50000/- (d) Rs. 1 lac 28. Menu option transfer of TD a/cs. to overdue … (a) TXOD (b) ACX FRSC (c) TRPOD (d) None 29. For issuing multiple drafts in a single a/c. , menu option is (a) DDC (b) DDMI (c) DDSM (d) TFDD HOC 30. To rectify the data inconsistency in the education loan menu option is a) LAIDC (b) ACM (c) EDUEMI (d) None 31. Many banks have adopted / launched ‘Core Banking solution(CBS). Core banking solution is :(a) A marketing strategy adopted by the bank (b) a new type of ATM useful for rural population (c) A delivery channel for quick and fast delivery (d) A new product launched to help senior citizen only as they are not able to visit branches /ATM frequently. 32. What is the charge for transfer of funds between a/cs. at CBS branches locate at same center/ city. (a) Free (b) Rs. 1 per thousand (c) upto 25000 /- , Rs. 10/- , thereafter Rs. 1.50 per thousand (d) upto 50000/- Rs. 20 /-, thereafter Rs. 1 per thousand. 33. What is the ID & password for PNB SPARH a) both PNB branch distinctive no. (b) both PNB branch SOL ID (c) both ( BO +SOL ID) (d) none of the above 34. To transfer a ODBC bill to ODD category, menu option is BM , Function is a) T (b) P (c) S (d) R 35. What is the menu option for attaching security with an account a) SRM (b) ALM (c) ACM (d) None 36. What is the rate of intt. For PNB Tax Saver Scheme a) 7.75% (b) 8.25% (c) 8.75% (d) 9% 37. Details of OD granted in SF/CA accounts can be generated through which of the following menu option. a) MEAU (b) ACSP (C) ACM (d) LADSP 38. Extension of Term deposit can be done through menu option a) RENHIST (B) ACM (C) TDREN (d) TDEXT 39. DBA should run which of the following menu option at day begin
7 a) OXFT (b) OCST (c) ISOUPL (d) all the above 40. Menu Option for signature upload a) IMGMNT (b) LDIMG (c) SIGNER (d) None of the above 41. Nomination details are entered while creation of a) Customer master (b) Account opening (c) Transaction maintenance (d) none 42. Ledger printout for office a/c. : menu option a) ACLPOA (b) ABMR (c) AFSM (d) CUIR 43. How can we print interest application report for customer a/c. between a date range. a) CUIR (b) ABMR (c) CUMM (d) ACS 44 . Report of a/c. below minimum balance is to be generated through the system by a) ABMR (b) APSM (c) ACCPOA (d)CUIR 45. Bank guarantee can be issued and maintained through menu option a) ILG (b) BM (c) GMM (d) ODCM 46. Menu option to inquire outstanding and reversed entries of office accounts a) IOT (b) TM (c) PTI ( d) None 47. To view stock statement expiry date menu option a) SRM (b) SRL (c) ACL (d) None 48. Menu option to list all fresh FD opened between to dates a) ACM (b) ACDET (c) GDET (d) None of the above 49. The database used in Finacle is a) MS Access (b) MS SQL (c) ORACLE 10G (d) DBASE 50. Front end of Finacle is developed using language a) VC++ (b) VB (c) JAVA (d) COBOL ANSWER 1 A 2 C 3 A 4 D 5 A 6 D 7 B 8 A 9 A 10 11 A 12 A 13 B 14 B 15 A 16 A 17 A 18 A 19 D 20 21 C 22 A 23 A 24 A 25 C 26 B 27 A 28 A 29 B 30 31 C 32 A 33 A 34 A 35 A 36 A 37 B 38 D 39 D 40 41 B 42 A 43 A 44 A 45 C 46 A 47 B 48 C 49 C 50
CBS QUESTIONS SET-II 1. BCP means A. Business common plan B. Business contingency plan C. Business continuity plan D. Business conference plan 2. In spectrum, the payment of FDR can be had from any sol before maturity A. Only if the payment is above Rs.10000/B. Only if the payment is below Rs.10000/C. No , only from base branch D. None of the above 3. Which of the followings is correct: A. Customer number is a system generated & unique for the bank B. It is possible to freeze all the accounts of customer at one shot C. Multiple currencies can be entered for one customer D. All of the above 4. Menu option for modifying the customer id A. CAMC B. CUMI C. OAAC D. CUMM 5. What is concept of account manager in finacle A. It is manager of the branch B. It is manager of a account holder firm or company C. Bank employee to monitor the performance of accounts of a customer D. None of the above 6. If the customer id has been created wrongly, it can be modified A. Only after verification B. Before verification C. Before verification by any user D. Before verification by same user 7. When a customer id is suspended A. He can operate all his existing account B. He cannot introduce the fresh accounts with same id C. The suspended customer id can be unsuspended again D. All of the above 8. Which of the followings mismatches: A. CUS- Customer Selection B. CUMI- Customer Master inquiry C. CCA- Change customer id of customer D. None of the above 9. What is the name for a banking branch in CBS in PNB A. CBS branch B. Centralised banking branch C. Both D. None of the above 10. Nomination detail are entered while creating cust-id A. Yes. B. No. C. No, but are entered while opening account D. Yes, can be entered both when creating cust- id as well as opening account
C C A B C
8 11. The menu option for verification of account- id A. CUMM B. ACOPN C. OAACAU D. OAACAV 12. Which of the followings do not match correctly: A. ACXFRSOL- The menu option to transfer the account across SOLS B. ACXFRSC- The Menu option to transfer the account across Scheme codes C. CAAC- Calculation of charges D. None of the above 13. Which of the followings is correct: A. AFSM-Freezing of accounts B. SPP- Stop Payment C. ALM- For Marking of lien D. All of the Above 14. Which of the followings is correct: A. INOPACTF- The menu option to transfer the operative account to in operative category B. TACHBSH- Menu option to change the GL Sub Head C. ACS- account selection D. All of the above 15. Which of the followings is correct: A. PBP- TO Print Pass book B. PSP- To print statement of account C. Acli- To view component of a balance D. A & B above 16. What is the menu option for printing A. DDPALL B. DDPRNT C. DDBP D. All of these. 17. A draft can be cancelled A. Before printing B. By any sol C. Both of above are correct D. Only by the issuing sol after printing 18. A draft can be cancelled on the date of issue itself in case it is on a non finacle branch A. If the draft advice is in possession of the issuing branch B. The letter pertaining to cancellation of draft should be sent to the drawee Branch C. Such entries should not be deleted from the system D. All of above 19. Correctly match the followings: A. NFCAN- To Record cancellation of draft B. DDLOST- To Mark draft as lost C. DDNPADV- to enter the non payment Advice D. All of the above 20. Which of the followings mismatches: A. DDD-Issuing duplicate demand draft B. DDREPRNT- To re print draft C. DDMI- Mass issue of draft D. None of these 21. Which of the followings mismatches: A. NFADV- to respond advices of NON- Finacle draft B. RMLOST- To update the cautioned status of NON Finacle draft from lost to not cautioned. C. NFLOST- to respond loss of issued draft intimation in respect of NON- Finacle Branch D. All are correct 22. Which of the followings mismatches: A. SIM- SI Maintenance B. SIETR – Sis Executed today report C. SIRP- To Print SI register D. None of these 23. Which of the followings is incorrect. A. BRBPR- Bill purchased Report B. LKRCM- Locker Customer Maintenance C. LKRCM- Locker Rent Charge Collection Maintenance D. BICR –Bill intt collection report 24. Which of the following is correct regarding daily morning arrangement A. DBA must modify the HUPM of officiating users & generate report through Day RPT 1/8(List of Authorized Users ) B. This report need not be checked C. If any change to UPM is required after morning arrangement, it must be recorded in daily arrangement register. D. Only A & C is correct 25. Information about changes done to HUPM fields during a given period can be generated through A. HUPM B. PR C. AFP/AFI D. DAY RPT 26. What is the correct Sequence of the followings: A. TFDDHOC-SOLEOD-ABH B. ABH-TFDDHOC-SOLEOD C. TFDDHOC-ABH-SOLEOD D. None 27. In a Centralised banking Branch A. There is no need to tally the vouchers B. The Vouchers should be tallied after adjustment C. The system administrator should not be assigned the job of morning Checking D. B & C are Correct 28. Which of the followings is true A. SERTAX is the menu option to calculate Service Tax B. The DBA is to run this Menu Option on last Working day of the month C. This menu option should be run only once as the transactions are created every time the option is run D. All of the above 29. Relaxation in inter-sol charges are handled though A. Procedurally/ manually B. By the system after modification of collect charge flag to “N” in (G) details
9 C. By Menu option –ISOCR D. None of the above 30. Which of the followings incorrectly matches: A. IMC- Inventory Movement B. ISI- view inventory from employee’s own location C. IMR- Split the Inventory D. ISIA- view inventory at other employee’s location 31. Which of the followings incorrectly matches: A. MCLZOH- TO maintain Outward CLG ZONE B. MICZ -TO maintain inward CLG ZONE C. OCTM -TO make entry in inward CLG D. IOCLS-To enquire on CLG Transactions SETS 32. Which of the followings incorrectly matches: A. DEPMOD -Deposit Modeling B. DEPINT -DEPOSIT INT Calculator C. LAMOD -Loan account Modeling D. INTTI -Interest Calculator 33. Which of the followings incorrectly matches: A. MSOIRP -Minor Subsidiaries outstanding reports B. INTSI – Intt Slab Inquiry C. OIQ -Inward Clg inquiry D. DDIC – DD credit inquiry 34. Which of the following incorrectly matches: A. TDSREP-Customer wise TDS Report B. RELACI -Related Accounts lookup for FD/RD deposits C. EXCPRPT-EXCEPTION REPORTS D. ICHB-Cheque Inquiry 35. Which of the following incorrectly matches: A. SRM -TO attach Security in loan account B. ACLHM -TO Modify DP Indicator & Sanction Limit in a loan account C. ACM -TO Modify Intt D. CUMM -TO Modify Cust-id 36. Which of the following correctly matches: A. OAAC -TO Modify ‘S’ & ‘G’ Detail in a account B. INTTM-To Modify Intt in a account C. Both of above D. None of above 37. While closing Cash credit account which of the following is false. A. Ensure to delete all the securities attached through SRM B. Ensure to destroy cheque book through CHBM C. Ensure that no SI are outstanding D. Ensure to charge intt Through CACC 38. Which of the following incorrectly matches: A. Scheme type for loan account is –LAA B. Intt In Term Loan is charged Through- ACINT C. Reversal of wrongly created transaction is possible in term loan D. The menu option for overdue loan inquiry is LAOPI 39. What is ceiling Limit in a SRM A. It is amount of limit Sanctioned in the account B. This is limit up to which amount could be sanctioned against the type of security C. Both A & B D. None of the Above 40. Which of the followings incorrectly match: A. LAXFRINT- loan transfer intt liability B. INTCERT- Printing Of intt Certificate C. INTPROOF- To Generate Intt Report for TL/DL accounts D. All of the above 41. Please Tick the odd one A. ACINT B. ACM C. PCINT D. LADGEN 42. Please Tick the odd one A. OAAC B. ACOPN C. MEAC D. FOAAC 43. Which of the followings incorrectly matches: A. TROFSETS- Transfer of sets B. REPHASEI- Rephasement of loan Account C. GMM- Maintenance of guarantee D. LNM- Limit Node Lookup 44. FDR can be opened under which of the following schemes: A. Under any Scheme code of FDR B. Only under SPECTRUM Scheme Codes C. Both of above D. None of above 45. Under Inter-sol transactions third party cash withdrawal can be allowed A. Up to any amount B. Not allowed at all C. Up to Rs. 100000/- only D. None of the above 46. Under Inter-sol transactions drawer party cash withdrawal can be allowed A. Up to any amount B. Not allowed at all C. Up to Rs. 100000/- only D. None of above 47. Multicity Cheque Book Can be issued from any Sol A. No. B. Yes C. Can’t say D. It is discretion of Incumbent 48. Debit Card can be issued from any sol A. No. B. Yes C. Can’t say D. It is discretion of Incumbent 49. In case of non availability of balance in the account for debiting returning charges in SF account A. The account should be overdrawn B. The transaction should be posted after allowing TOD C. Non recovery should be recorded in SHORTFAL D. None Of the above 50. Which of the does not correctly match: A. ISTRF- NON- Customer Inter branch Fund Transfer B. SIGVER- To verify Signatures.
10 C. AMHOB- Amortization History Of a Bill
D. FBM- To Maintain Inland Bill
Answers 1 11 21 31 41
C C D C B
2 12 22 32 42
C C D D C
3 13 23 33 43
D D B C D
4 14 24 34 44
D D D D B
5 15 25 35 45
C D C C C
6 16 26 36 46
D D C B A
7 17 27 37 47
D D D D B
8 18 28 38 48
D D D B B
9 19 29 39 49
B D C B C
10 20 30 40 50
B D C C D
CBS QUESTIONS SET-III 1. How a stopped payment cheque can be lodged when received in inward clearing. A. In ICTM, modify carving flag to N and lodge the instrument B. System would not allow lodging of stopped payment cheque C. IN ICTM, modify carving flag to y, and lodge the instrument. D Use the menu TM for debiting of cheque. 2. What is SRM in finacle A. Senior Regional Manager B. Security Register Maintenance C. Security Register Manually Maintenance D. Security Register Marker List 3. The menu option through which the Bills are lodged and realized is A. TM B. BM C. BP D. BI 4. DAYRPT is the menu option for printing of reports related to A. Any date B. Previous date C. Today’s date D. All of the above 5. ZNC’s in our Bank are connected to DATA Centre with A. Leased Line with 2Mbps Bandwith B. Leased Line with 1Mbps Bandwith C. Leased Line with 100 Mbps Bandwith D. Connected through satellite 6. While opening an account which sequence should be followed A. CUMM,OAAC,OAACAU,TM B. OAAC,CUMM,OAACAU,TM C. TM,CUMM,OAAC,OAACAU D. Any one of the above 7. How the user can generate report of packing credit a/c not linked to Export order/DC A. PCARPT B. PCGEN C. PCFC D. PCREP 8. In running packing credit account disbursements should be done through menu option. A. TM B. RPCTM C. RPCM D. RPCINT 9. What is the specific menu option for inter sol transfer of funds A. TM B. ISTRF C. ISTM D.ISTMRM 10. Menu is used for cancellation of forward contracts A. FWCHI B. FWCRG C. FWCODLST D. None of the above 11. Audit trail is A. A chronological record of all events occurring in a system B. Report submitted by Auditors C. A collection of record generated by Database Administrator D. All of the above 12. DRS of PNB is at A. IT Centre,Faridabad B. Belapur ,Mumbai C. PNB,IIT Lucknow D. IDRBT,Hydrabad 13. What is the menu option for adding forward contract in the system? A. BM B. MNTFCT C. IMGMNT D. MNTFWC 14. Sanctioned Limit in an account can be enhanced through A. ACTODM B. TODM C. ACLHM D. None of the above 15. Modification in account details can be done after opening of account through menu option A. ACI B. ACM C. ACLI D. ACMP 16. To view the stock statement of (Expiry date) on a particular day of various accounts A. Menu option SRM can be used B. Menu option SRL can be used C. Menu option ACI can be used D. All of these. 17. Interest debited for staff Housing Loan Accounts can be seen through A. PHINQ B. ACLHM C. ALLM D. All of the these 18. In accounts where interest rate is defined at limit level, which menu option is to be used to give effect in the enhancement A. INTTM B. ACLHM C. SRM D. LNM. 19. It is possible to mark line on an operative account of the customer foe recovery of loan installment through. A. LALIEN B. LADSP C. LAOPI D. None of these 20. The status of Draft can be inquired through menu option A. DDCI B. DDMI C. DDSM D. DDBP 21. Menu option to enter the details for the relaxation in charges to be provided to RTGS customers making the transaction through Internet Banking
11 A. No such menu option B. IBSCHG C. GCHRG D. ICHRG 22. Through which menu option to known BC letter obtained on a particular date A. LAOPI B. LAGI C. LAODR D. None of these 23. Menu option for uploding of signature is A. IMGMNT B. LDIMF C. LDIMG D. SIGVER 24. What will be the result of direct credit of the cheque with multiple credits in OCTM menu instead of collecting the cheque on sundry general a/c A. If the cheque is returned unpaid, system would not allow debiting returning cheques B. If the cheque is returned unpaid , system would not debit correct returning cheques. C. A& B both are correct D. Only B is correct 25. If a customer request for a DD/PO of Rs 1200/- and deposits Rs 1225/-(Rs. 25/- being commission charges) and the draft is inadvertently made of Rs 1225/- and with the transaction in entered mode , how the amount of draft be modified as per request of the customer? A. Delete the transaction and create new one B . Post the transaction to sundry proxy and reverse C. Both A & B are correct D. Only B is correct 26. Which of the following is not true with regard to Digital Certificate in Internet Banking A. Login Through Digital Certificate facility is available for all Internet Banking users. B. The Digital Certificate functionality implemented in Internet Banking works on the concept of matching the digital certificate on the client side with the base certificate residing on our servers for accessing internet banking services. C. Digital Certificate is not mandatory and customers would continue to have the access to internet banking services through normal login. D. No charges are to be paid to the Bank by customers for using/registering of Digital Certificate as an additional security feature. 27. Duplicate Draft can be issued through the menu option A. DDD B. DPL C. CCC D. None of these 28. The full form of Mbps is A. Megabyte per second B. Multiple byte per second C. Megabits per second D. None of these 29. Menu option to print a foreign currency draft is A. DDPRINT B. REMPRINT C. DTMR D. None of the above 30. Interest Rate Code in an account can be modified through the Menu option A. IVSM B. LVSM C. INTTM D. None of these 31. TDS Certificate can be printed through menu option A. TDREN B. HOCIP C. TDSIP D. TDSCALE 32. E-mail is delivered by which of the following? A. Postal carriers B. Message Services C. Computer D. Fax Machine 33. ISDN Means A. Integrated System Digital Network B. Integrated Switch Digital Network C. Integrated Services Digital Network D. None of these 34. Renewal of Term Deposit Account can be done through menu option. A. TDEXT B. TDREN C. RENHIST D. OAAC 35. Which new menu option has been enabled to generate amortization history of bills A. AMBOH B. AMHOB C. AMOHB D. AMOHH 36. In new scheme code “TLBGN”(PNB-BAGHBAN) while opening accounts, the “Interest demand effective date” fields in ‘S’ details and “Flow Start date’ for PRDEM in E details should be given as A. Loan period expiry date B. Loan period start date C. Date on which mortgage deed is executed. D. Loan period disbursement date 37. Menu options used for Locker Rent recovery are A. LKRCM B. LKRRBAT C. LKCM D. A & B both 38. Modem does the following A. Modulates digital signals into analog B. Demodulates analog signals into digital C. Converts data into image D. Both A & B 39. For upload Credit Card application menu option is A.CCAPP B. CCAPPL C. CREDITAPL D. None of the Above 40. In Finacle it is possible to view the details of overdue account through A. LAOPI B. LAGI C. LAODR D. None of these 41. Through which menu option report of clean overdraft granted in SF/CA be generated? A. ACM B. MEAC C. ACSP D. LADSP 42. Inspite of running TDSCALE option, system does not recover TDS, though interest amount is more than Rs 10000/- . The entire amount is credited to party’s MBFD a/c. Party has not submitted Form 15G. What steps should be taken to ensure that the system deducts TDS in this account in future.
12 A. The receipt of 15G is notified in CUMM against TDS exempt date field. B. Correct Tax slab is mentioned in CUMM C. Tax category field in ACM ‘O’ details is specified as T. D. All to be followed in same order. 43. Details of Form 15H can be entered through menu option A. ACM B. OAAC C. CUMM D. HUPM 44. Which of the following is not an ONS menu? A. HUPM B. HACLINQ C. HOCIP D. HRTGS 45. If ceiling limit defined in SRM is Rs 5 lacs and sanctioned limit Rs 4 lacs & Security value is Rs 10 lacs with 25% margin, the system will show DP in the Account. A. Rs 3.75 Lacs B. Rs. 5 Lacs C. Rs. 10 Lacs D. Rs. 7.50 lacs 46. On migration of a branch to CBS it is observed that preferential rate of interest in FD a/cs on senior citizens and staff accounts has not been given. What is the correct procedure to give the same now. A. Modify INTTM accordingly B. Close the existing account in transfer out mode and open the account again in transfer in mode and specify applicable preferential rate. C. Close the account in normal way and open the same again D. None of above 47. Can a DD/PO issued by debiting a/c of a customer belonging to some other sol be cancelled on request of the customer? A. Yes, Intersol cancellation of Draft/PO is allowed B. No, Drafts and PO has to be cancelled by the issuing branch only. C. Yes, it can be cancelled if he is ready to pay intersol charges. D. No, Intersol cancellation of drafts and payorder can be done by payee branch only. 48. Customer ID is created through menu option A. CUMI B. CUMM C. CUS D. CUMP 49. Menu option to generate a report of standing instructions that have been executed on a particular day? A. ISI B. SII C. ISA D. SIETR 50. What is the menu option to inquire fate of the instrument deposited in outward clearing, if the customer approaches with details of the instrument deposited by him? A. ONQ B. OPQ C. OIQ D. OPN ANSWER 1 A 2 B 3 B 4 C 5 A 6 A 7 A 8 B 9 B 10 D 11 A 12 B 13 D 14 C 15 B 16 B 17 A 18 B 19 A 20 C 21 B 22 B 23 C 24 A 25 C 26 A 27 A 28 C 29 B 30 C 31 C 32 C 33 C 34 B 35 B 36 A 37 D 38 D 39 B 40 A 41 C 42 D 43 C 44 C 45 B 46 A 47 B 48 B 49 D 50 C
CBS QUESTIONS SET-1V 1. What is Core Banking Solution (CBS)? A. It is centralized banking platform where total bank's operations are controlled and run from a centralized hub. B. CBS is a transition from decentralized to centralized operations and controls. C. CBS means application of computer technology to specific functions like savings bank and fixed deposit. D. 'a' and 'b' above 2. CBS is complemented by the developments of products which provide banking solutions. The products in use of banking in India are A. Flexcube. B. Finacle. C. Microsoft. D. 'a' and 'b' above 3. What is computer networks? A. Multiple computers linked together via some means. B. Computer network is a set of communication channels interconnecting a set of computing devices or nodes that can communicate with each other. C. It is used to connect the Monitor and printer with the computer D. A & B both 4. A computer virus is: A. A hardware problem with the computer B. A software problem with the computer C. A programme written with malicious intention D. Hacking of a web-site 5. Digital signature means: A. A coded confirmation in electronic form attached to an electronic record B. A coded signatures with digital lock(password) C. Electronic signatures which are partly in digits and partly in words D. Signatures scanned on a computer 6. The rate at which the transfer of data takes place is measured in terms of which of the following:
13 A. Mbps B. Bpbs C. Kilobytes D. Gigabytes 7. The term VSAT stands for which of the following: A. Variable small aperture terminal B. Very small available terminal C. Very small aperture terminal D. Variety of small aperture terminals 8. What is meant by Securing the Computer System? A. Securing the assets in a safe place where access is controlled and checked for security risk. B. Switching of the system before leaving the job. C. Securing system through insurance policy. D. Both (b) and (c) 9. RTGS is a part of payment system reforms to reduce risks in payment system. These risk(s) is/are: A. Settlement Risk B. Systemic Risk C. Liquidity Risk D. Only (a) and (c) 10. The Broadband Networks means: A. Networking available on all channels to T.V. B. A high-speed capacity integrated network appropriates for multimedia information networking. C. A network system that is compatible with most softwares. D. A link between one computer network and another allowing messages to pass between them. 11. For running Finacle the computer must have ____ Package A. Dos B. MS Excel C. Oracle D. Internet Explorer 12. In Branch level we use ____ Operating system for running Finacle. A. DOS B. UNIX C. Windows D. OS/2 13. For going to previous field we use ___ key combination A. CTRL+U B. CTRL + E C. Shift + Tab D. Alt+F4 14. For exploding we use ___ key combination A. CTRL+U B. CTRL+F C. CTRL+E D. CTRL+D 15. For going to previous page we can use _____ function key A. F6 B. F10 C. F4 D. F12 16. For invoking background menu press ____ function key A. F5 B. F6 C. F7 D. F9 17. We can capture minor detail in ___ menu and ____ option A. OAAC , M B. ACI,M C. CUMM, MI D. CUMM,M 18. If a customer has more than one customer Id , we can merge them using ____ menu. A. CUMI B. CUS C. CCA D. UPM 19. For modification in an a/c we use ____ menu. A. OAAC,M B. CUMM, M C. ACM D. ACS 20. Which menu will display the list of workflows in queue A. DSPWFQ B. DSQWF C. WORKFLOW D. None of these 21. Menu option for transfer of account across sols is: A. ACXFRSOL B. ACXFRSC C. ACM D. TRASOL 22. We can change the scheme code of a a/c by using menu A. ACXFRSOL B. ACXFRSC C. ACM D. None of these 23. To freeze an a/c menu is: A. FREEZE B. AFSM C. ACFM D. OAAC 24. To transfer a/c to inoperative we can use ___ menu A. INOPAC B. INOPACTF C. TRANSINO D. None of these 25. For printing anything in finacle one must first run ____ software A. WORD B. ILINKWEB C. PRINTER D. SIGNCAP 26. We can add a joint holder in the A/c using __ option in OAAC A. J B. M C. S D. A 27. On receipt of cheque book Acknowledgement form(PNB119) from customer we enter it using ___ menu A. ICHB , A B. ICHB , U C. CHBM ,A D. CHBM, U 28. We can mark stop payment for a cheque using ___ menu A. CHBM, S B. SPP , S C. SPP, A D. CHBM ,A 29. CIF form can be entered through the menu ____. A. ACFRM B.ACPRM C. ACFROM D. None of these 30. To know the details of a transaction i.e who entered and posted the transaction, we can use ___ option in TM menu A. A B. U C. O D. I 31. We grant TOD in a a/c using ___ option in TM menu A. A B. U C. N D. V 32. For creating a transaction template we use ____ menu A. TM B. TV C. TTM D. TTI
14 33. We can create a post dated transaction using ___ menu . A. TTM B. PTM C. ATM D. HTM 34. Find the odd one out A. DDBP B. DDPALL C. DDMP D. DDPRNT 35. For draft mass issue we can use ___ menu A. DDMP B. DDSM C. DDMI D. None of above 36. To enter receipt of non payment advice in case of lost DD we can use ___ menu A. DDNPADV B. DDADV C. DDNPAD D. DDP 37. What is the specific menu option for demand draft status maintenance A. DDSM B. DDSI C. DDMA D. DDS 38. What is “Phishing” A. A computer virus that destroys the financial data B. Name of a computer software company that develops anti virus software C. Name of an anti virus programme recently developed by Microsoft D. A form of social engineering attack used by cyber criminals to steel sensitive information 39. The precaution of testing the computer security procedures and identification of lapses before the banking operation is put to risk is known as: A. Computer configuration B. Deciphering C. Computer audit D. Computer repair 40. To signature capturing the computer must have ____ package A. EXCEL B. SIGNCAP C. SIGVER D. WORD 41 Menu option for verification of an account in CBS is ? (a) CUMM (b) OAAC (c) ACM (d) OAACAU 42. If a customer wants to remit a sum of Rs. 4 lacs by which way he or she can make request through Internet Banking ? (a) Only through RTGS (b) Only through NEFT (c) Either through NEFT or may be through RTGS (d) None of the above 4 3. How many types of Internet Banking facility is being provided by the bank to their customers ? (a) Three types (b) Two types (c) One types (d) None of the above 44. In CBS software a customer can have how many CUST IDs (a) One only (b) Maximum 3 (c) Unlimited (d) Depend upon SOL to SOL 45. In the 16 digit account number what does last digit indicates. (a) product code (b) Extension count no. (c) check digit (d) category of customer 46. In case of Non connectivity under BCP guidelines, upto how much payment can be made to customer without obtaining any letter of Under taking form the customer or the bases of last balance report. (a) Without letter of under taking no amount can be paid (b) Rs. 5000 (c) Rs. 10,000 (d) Rs. 15,000 47. To view signatures, relevant key is: (a) F4 (b) F10 (c) F6 (d) F9 48. What is the power indicated in CBS for incumbent in charge: (a) 100 (b) 200 (c) 300 (d) 500 49. Is it feasible to remit fund from one bank to other through Internet banking? (a) No, it can be remitted within the bank's network only. (b) Yes, it can be remitted to any where in any bank. (c) Any of the above (d) None of the above 50. To login to Finacle application, the user needs a user Id and a password. This password should be minimum of? (a) 5 Number only (b) Combination of seven alpha-numeric and spl characters (c) No limit (d) 6 Characters ANSWER 1 D 2 D 3 D 4 C 5 A 6 A 7 C 8 A 9 D 10 B 11 D 12 C 13 C 14 C 15 D 16 A 17 D 18 C 19 C 20 A 21 A 22 B 23 B 24 B 25 B 26 D 27 C 28 B 29 A 30 C 31 C 32 C 33 B 34 C 35 C 36 A 37 A 38 D 39 C 40 B 41 D 42 A 43 B 44 C 45 C 46 D 47 D 48 A 49 B 50 B
CBS QUESTIONS SET-V 1. The menu option through which the a/cs. where interest rate has been modified during two given dates can be seen through a) PNBRPT 3/31 (b) PNBRPT 3/31A (c) PNBREP 3 (d) RAUDIT 3
15 2.The report through which we can know the group code : retail/corporate defined at customer master level is A) RAUDIT 1/17 (B) RAUDIT 2/17 (C) RAUDIT 3/17 (D) PNBREP 2 3.RAUDIT 1/11 shows the list of a/cs. (a) Where penal intt. is set to ‘No’ (b) Where penal intt. Applicable date is more than limit expiry date (c) Where intt. payable code is zero (d) none of the above 4.The report which shows intt. failure status is (a) PNBRPT 4(19) (b) PNBRPT 4(5) (c) PNBRPT 4(7) (d)PNBRPT 4(7a) 5. The menu option for generating business line wise P& L a/c statement is a) RMDRPT 1&2 (b) RMDRPT 1 (c) RMDRPT 2 (d) none of the above 6. The menu option for list of inoperative a/cs. is a) PNBREP 1/13 (b) PNBREP 10/31 (c) BR (d) None of the above 7. Menu option to generate Report of inventory lying at Double lock at the month end for verification of the Incumbent / Second a. ISI b. ISR c. ISRA d. ISTR 8. To view expiry of stock statements on a particular date one has to make use of menu option a. SRM b. SRL c. ACI d. All of these 9.Which of the following functions can be performed by the customers availing Internet Banking Service a. Transfer of funds to third party’s account b. Payment of tickets booked for undertaking train journey c. For making Utility Bill Payment d. All the above 10.To enhance the sanctioned limit in an account which menu option is to be used a. ACTODM b. TODM c. ACLHM d. None of these 11. Device used to connect Leased, ISDN Lines and switch to the Data Center is know as a. Modem b. Router c. HUB d. None of these 12. Entry and modification of lien can happen with the help of menu option a. UFSM b. AFSM c. ALM d. All the above 13.Where and who can define the user as Free User a. DBA at Data Center b. DBA at Zonal Help Desk c. DBA at Service Outlet d. All of the above 14. Limit node can be created to control the overall exposure of borrower parties through menu option a. LTL b. LNI c. LNDI d. LNM 15. Bank has made tie-up arrangements for railway ticket booking through internet for a. All its customers b. Selected Corporate Customers c. All Customers availing Internet Banking facility d. The arrangement is likely to start soon 16.Transactions can be made by a user of a particular SOL on customer accounts belonging to other SOLs provided the user is a. DBA b. Incumbent Incharge c. Captive d. Free 17.Through menu option LAOPI, one can extract information about overdue position of all a. Borrowal Account b. Term and Demand Loan Accounts c. All Fixed Deposit Accounts d. All Deposit and Loan Accounts 18. Cheque book issue register can be generated form system by using menu option a. ACM b. ICHB c. INQACHQ d. CHBIR 19. Standing Instructions (SI) register can be got generated through Menu Option a. SIM b. SIE c. SIRP d. SIETR 20. Standing Instructions executed today can be generated through menu option a. SIM b. SIETR c. SIE d. SIRP 21.How can we print Interest Application Report for Customer’s Accounts between a date range? a. CUIR b. ABMR c. CUMM d. ACS 22. In order to avoid crediting interest paid on ordinary / special FD into sundries which details are to be filled while or after opening an account a. ‘G’ General Details b. ‘S’ Scheme Detailsc. ‘C’ Customer Instruction Details d. ‘F’ Flow Details 23. Under no circumstances the user is required to refund TDS deducted under a term deposit account directly through TM by debiting Sundry TDS Account. Which menu option is to be used for this purpose. a. RFTDS b. RMTDS c. TDSIP d. None of these 24. Menu option to help auditors to list all Fresh FDs opened between two dates a. ACM b. ACDET c. GDET d. None of these 25. For the purpose of morning checking the system generated vouchers report to be treated as how many vouchers a. One b. As many as the number of trans c. This report is not to be depended upon d. None of these
16 26. For entertaining stop payment request from the customer and entering the same in Finacle which menu option is to be used a. SPP b. SPTM c. SPTR d. None of these 27.There is a provision of generation of advise informing the customer about the change in rate of interest in his account, it can be generated through menu option a. INTADV b. INTTM c. Both (a) and (b) d. None of these 28.Report of accounts below minimum balance is to be generated through the system by a. ABMR b. AFSM c. ACLPOA d. CUIR 29.How a ledger printout of an Office Account be taken from Finacle a. ACCBAL b. ACLPOA c. ACLI d. None of these 30. Foreign Bills are required to be lodged under which Scheme type a. LAA b. FBA c. CAA d. FDA 31. Export Order Details can be managed through menu option a. EXPODM b. IDCM c. MNTFWC d. None of the above 32. Report of all Transactions in CC. OD, Expenditure, Income and Interest Accrued can be obtained from a. Morning checking reports b. PNBRPT 2/19 c. Both the above d. None of the above 33. Menu option to obtain the list of all authorized users in the branch which are active for the day is to be obtained, checked, signed and preserved a. DAYRPT 1/8 b. PNBRPT 1/8 c. PNBREP 1/8 d. All the above 34. Daily Balance Report is to be obtained how many times a day for observing BCP guidelines a. 1 b. 2 c. 3 d. 4 35.Outstanding Transfer of Funds Between CBBs in Non-Cust A/c’s is to be obtained with the help of menu a. ISTRF b. ISTR c. ISOLOP d. SIOUPL 36.Unverified Non-Financial transactions are to be obtained after which command a. After OXFT b. Before OCST c. Before ABH d. After ABH 37.UPM Change Report can be generated through which of the following options a.AFP b. UPR c. UCL d. All the above 38.Reports generated in the background of an employees location can be downloaded to local PC with the option a. PTW b. PTTS c. PR d. None of the above 39.Which of the following Process is to be run for transferring balance from sol specific DD account to the central DD account a. TFDDHOC b. ISOUPL c. ISOLOP d. TFDDH 40. Interest Accrual / Application – Success / Failure reports (Scheme-wise) can be obtained in the background of which employee a. General User b. DBA who has done day begin c. DBA who has done ABH d. None of the above 41.Accounts shadow balance enquiry can be done through menu option a. ACSP b. ACSBIO c. ACS d. AFI 42.Search on a branch SOL_Id in Finacle can be done through a. BKTI b. BRTI c. Both the above d. None of the above 43. Deferred Charges calculation can be done through menu option a. DEFCALC b. INTCALC c. TDSCALC d. None of these 44. Stop payment register can be generated through menu option a. SIRP b. SPRG c. SIETR d. SII 45. Accounts abnormal limits detail inquiry can be done through a. AALI b. ACS c. ATOR d. ACTI 46.The user who can transfer inventory lying at a location other than his own is known as and is defined at the level of a. Alternate User, UPM b. Authorized User, UPM c. Allowed User, UPM d. None of the above 47. Partywise Overdue Packing Credits report can be obtained through menu option a. POVDPC b. PCLIALST c. PCARPT d. None of the above 48. It is possible to issue letter to the borrowers / guarantors if the flag in the General Details of the customer is set, through menu option a. LARSH b. LAOPI c. LAODR d. None of these 49. Balances of all foreign exchange heads register type can be obtained through menu option a. FBBR b. FBP c. FBI d. FBADVP 50. Running packing credit accounts can be opened with menu option OAAC sub options a. G/S/H/I/E b. G/S/H/K/F c. G/S/H/V d. None of the above ANSWER
17 1 11 21 31 41
A B A A B
2 12 22 32 42
B C C C B
3 13 23 33 43
A D A A A
4 14 24 34 44
A D C D B
5 15 25 35 45
A C A A A
6 16 26 36 46
C D A C B
7 17 27 37 47
C B A D A
8 18 28 38 48
B D A A C
9 19 29 39 49
D C B A A
10 20 30 40 50
C B B C C
CBS QUESTIONS SET-VI 1. DP Indicator to be chosen in Cash Credit accounts if DP is to be derived from Security? a. M – Maintained b. D – Derived c. E – Equal d. P – Parent 2. It is possible to view details of overdue accounts through menu option a. LAODR b. LAGI c. LAOPI d. None of these 3. Which menu option would enable search to know the Balance Confirmation (BC) letter obtained on a particular date a. ACM b. LAOPI c. LAODR d. LAGI 4. MIS reports for Controlling Offices can be generated through menu options a. RORPTS b. CARDRPT c. REPORTS d. DAYRPT 5. Details of overdraft granted in SF/CA accounts can be generated through which of the following menu options? a. MEAC b. ACSP c. ACM d. LADSP 6. While putting a transaction in Loan accounts which of the following codes are required to be given mandatorily a. Interest Code b. Flow Id c. SRM Code d. Tran Date 7. Details of Form 15 H obtained from the Term Deposit account holders is to be entered through menu option a. CUMM b. ACM c. OAAC d. HUPM 8. Preferential interest to be paid to the Senior Citizens in their Term Deposit accounts is required to be defined at which of the following level a. Customer Preferential Intt Debit b. Customer Preferential Intt Credit c. Account Preferential Intt Debit d. Account Preferential Intt Credit 9. Renewal of term deposit account can be done through menu option a. RENHIST b. ACM c. TDREN d. TDEXT 10. Extension of term deposit account can be done through menu option a. RENHIST b. ACM c. TDREN d. TDEXT 11. Why is it necessary to suspend a cust_id of the customer who does not have any active account associated with it a. It occupies space at the server at Data Center b. It is not required anymore c. It should not be used to introduce any new account d. None of the above 12. Menu option to calculate TDS in a term deposit account a. RMTDS b. TDSIP c. TDPRNT d. TDCALC 13. TODRP is the menu option for printing of which of the following a. Expired TOD entries b. Outstanding TOD entries c. Temporary Overdraft register d. All of the above 14. DBA should run which of the following menu option for opening transfer truncation at day begin a. OXFT b. OCST c. ISOTRF d. All the above 15. Menu option required to run before opening of an account in Finacle a. CUS b. CUMM c. ACS d. CUMI 16. TDS Exempt End Date & TDS Exempt Submission Date are used to control a. Date on which 15-H Form is submitted & date upto which no tax is to be deducted b. Date upto which tax is to be deducted and the date of submission of 15-H form c. Date upto which tax is not to be deducted and the date of submission of 15-H form d. Date upto which tax is not to be deducted and date of entry of 15-H form in Finacle 17. Menu option used for verification of a customer identity (cust_id) is a. CUMM b. CUMMAU c. OAAC d. OAACAU 18. Inquiry on a customer can be done though the menu option a. CUMI & CUMM b. CUMM & AFU c. AFI & ACI d. SII & SIRP 19. Menu option used to open Customer Accounts (SF/CA/CC/OD/TD) is a. OAACAU b. ACS c. ACSP d. OAAC 20. Is it possible to change account details after verification, if so, which of the following options is used for doing the same a. ACS b. ACSP c. ACM d. OAAC 21. Menu option used to find out Tran_id, if not noted during transactions is a. FTI b. ACI c. CUI d. None of the above 22. The number of AOF for resident Individual is
18 a. PNB1085 b. PNB1063 c.PNB1084 d. PNB1000 23. Total Number of accounts that can be attached to the Debit card a. 4 b. 3 c. 2 d. 1 24. Menu option used to print demand drafts in a batch a. DDBP b. DDPRNT c. DDPALL d. DDPP 25. Customer ID can be changed by using menu option a. CCA b. CUMM c. CUMI d. ACM 26. Which type of accounts would be a concern if they are not associated to the same cust_id of the customer a. Overdraft Accounts b. Term Loan Accounts c. Term Deposit Accounts d. None of the above 27. Inward Clearing Zone can be opened through the menu option a. MICZ b. MCLZOH c. ICTM d. OCTM 28. While opening a term loan account the function of “Hold in Operative Account” for amount due in scheme details is to a. create Standing Instructions through SIM b. mark lien in the operative accounts of the customer c. enable to recovery of interest d. None of these 29. While opening a term loan account the function of “Recovery Method” in scheme details is to a. Allow recovery of amount of installment from operative account b. Allow marking of lien in the operative account c. Allow recovery of interest amount from operative account d. None of these 30. Menu option of uploading signatures in Finacle a. IMGMNT b. SLDIMG c. LDIMG d. Both b & c 31. Intt debited to simple interest bearing accounts not being debited to loan account can be seen with the help of menu option a. ACLHM b. ALM c. PHINQ d. ALLM 32. New menu option to generate amortization history of history of bills a. AMBOH b. MOHB c. MOHHB d. AMHOB 33. Intersol transfer of funds is done through menu option a. ISTRF b. ISTM c. TM d. ISTRM 34. Which of the menus pertain to Interest calculation in Finacle a. AGRINT b. LADGEN c. RPCINT d. All of the above 35. Nomination details are entered while creation of a. Customer Master b. Account opening c. Transaction Maintenance d. None of the above 36. To handle interest relaxations accorded by GMs/ZMs, CBB is required to mention appropriate numeric value with a. A minus sign in ‘A/c pref. intt. (Dr)’ field in G details while a/c opening b. A minus sign in ‘A/c pref. intt. (Dr)’ field through INTTM in case of existing a/cs c. A Plus sing in ‘A/c pref. intt. (Dr)’ field in G details while a/c opening d. Both A and B above 37. Menu option for Credit Card Payment collection is a. CCPAY b. CPAY c. CREDITPAY d. CCOLEC 38. Data is transferred from Date Center to DR Site after a gap of every a. 10 minutes b. 15 minutes c. 40 minutes d. 60 minutes 39. Balance report is to be taken how many times a day for meeting BCP guidelines a. 2 b. 3 c. 4 d. 5 40. Entire set of data backup is transferred from DC to DRS after which of the following operations a. Sol EOD b. Solval c. CEOD d. CBOD 41. A draft issued by a CBS Sol can be cancelled a. By any SOL b. By issuing SOL c. By paying SOL d. None of the above 42. Details of un-posted transaction from other SOLs can be obtained through a. SOLVAL b. FTI c. TM d. ACCBAL 43. During outage of connectivity what is the minimum amount that requires an undertaking to be tendered before the payment can be made a. Rs10,001/b. Rs15,001/c. Rs20,001/d. For any amount 44. Which sequence is to be followed while opening an account a. CUMM, OAAC, OAACAU, TM b. OAAC, OAACAU, CUMM, TM c. CUMM, CUMMAU, OAAC, TM d. OAACAU, CUMM, CUMMAU, TM 45. Bank Guarantee can be issued and maintained through menu option a. ILG b. BM c. GMM d. ODCM 46. Information about changes done in HUPM during a given period their old and new values can be known through
19 a. HUPM b. AFP/AFI c. DAYRPT d. PNBRPT 47. Mbps represents a. Megabits per second b. Megabytes per second c. Manybytes per second d. None of these 48. In Database server at DC, the RDBMS used is a. MS SQL b. Oracle 10G c. INGER d. MS ACCESS 49. In Application Server at DC the Package running is a. Finacle7.0.11 b. Oracle 10G c. Bankmate d. Flexiqube 50. Sanctioned Limit, Drawing Power, Account Balance, Overdue Liability in an account can be seen through the menu option a. ACLI b. ACM c. ACCBAL d. SRL ANSWER 1 B 2 C 3 D 4 C 5 B 6 B 7 A 8 D 9 C 10 D 11 C 12 D 13 D 14 A 15 B 16 D 17 A 18 A 19 D 20 C 21 A 22 C 23 B 24 A 25 A 26 C 27 A 28 B 29 A 30 D 31 C 32 D 33 A 34 D 35 B 36 D 37 A 38 B 39 C 40 C 41 B 42 A 43 B 44 A 45 C 46 B 47 A 48 B 49 A 50 C
CBS QUESTIONS SET-VII 1. Forward Contracts can be entered into Finacle through option a. FWRM b. INTFWC c. FWCLIAB d. FWCCM 2._____________ enables inquiry on history of partitioned account a. PHINQ b. PARTINQ c. RTHQRY d. None of the above 3. ____________ enables application of interest in packing credit accounts a. INTRUN b. ACINT c. RPCINT d. PCINT 4. Menu option to issue encashment certificate is a. FBER b. FBECGC c. FBACS d. FBIEC 5. Monthly summary of overdue export bills is available in Finacle and can be generated through a. PNBREP 9/10 b. PNRREP 9/18 c. PNBREP 9/16 a d. PNBREP 9/9 6. Menu option for opening of outward documentary credits is through menu option a. IDCM b. ODCM c. DCRM d. DCREG 7. Modification of interest rate in PC accounts can be done with the help of a. INTRUN b. ACM c. INTTM d. PCINT 8. Foreign Currency Draft can be issued using menu option a. IRM b. FBM c. ORM d. TM 9. A revolving Documentary Credit (DC) can be re-instated any number of times during the currency of the DC by using sub-option a. S b. M c. U d. None of the above 10. TDS certificate can be printed for Term Deposit customers through menu option a. TDSCALC b. TDSRUN c. TDSIP d. RFTDS 11. It is possible to calculate TDS in term deposit accounts through menu option a. TDSIP b. TDSIN c. TDSCALC d. None of the above 12. TD receipt can be renewed by a. Base branch only b. Any CBS Sol c. Any CBS Sol after maturity d. None of the above 13. Transfer of a term deposit account from one Sol to another Sol is done by a. Closing the account and sending it to the transferee branch b. Using menu option ACXFRSOL c. Using menu option ACXFRSC d. None of the above 14. Remittance of TDS can be done through menu option a. INTRUN b. RMTDS c. RFTDS d. RHTDS 15. Closure of term deposit account can be done using menu option a. CAACAU b. CAAC c. OAAC d. OAACAU 16. Account closure transactions are generated in Finacle at the time of running a. OAACAU b. CAAC c. CAACAU d. ACLI 17. FD accounts are transferred to the overdue category by a. System at day end b. Branch manually c. System at day begin d. All of the above 18. Lien on FD account, for availing demand loan / overdraft should be marked through menu option a. ALM b. SRM c. ACLHM d. OAAC
20 19. For opening Flexi RD account user has to use menu option a. OAAC b. OAACAU c. ACI d. FOAAC 20. List of pending instalments in RD account can be found out by using menu option a. ACLI b. PENDLIST c. HACLINQ d. PLIST 21. Differential rate of interest accounts should be opened under scheme code a. FDSPR b. FDDRI c. TDDRI d. FDSBR 22. Customer can transfer funds to inter-bank by using which of the following options a. RTGS b. NEFT c. IBS d. All the above 23. Customer can stop payment of cheque issued in ones account through a. Centralised Banking Branches (CBB) b. Internet Banking Service (IBS) c. Both (a) and (b) d. None of the above 24. To deposit direct tax the assesse needs to maintain / have a. An account b. An Internet Banking Account c. Both the above d. None of the above 25. Interest can be applied in Term Deposit accounts through menu option a. INTRUN b. LADGEN c. TDREN d. CAAC 26. Lien can be regularized by the system on maturity of term deposit receipt a. Yes b. No c. Not required d. None of the above 27. Interest provisioning in the accounts of term deposit can be verified through a. PNBREP 4/4 b. PNBRPT 4/4 c. ZOMIS 4/4 d. DAYRPT 4/4 28. Menu used for cancellation of forward contracts a. FWCHI b. FWCRG c. FWCODLST d. None of the above 29. To do an interest inquiry for RPC accounts one has to use menu option a. AIRM b. RINTINQ c. INTTI d. None of the above 30. What version of internet explorer (min required) enables the users to access Finacle successfully a. 5.0 b. 5.5 c. 6.0 d. Does not matter 31. Bank is not purchasing PC instead is purchasing _________for CBBs a. Thick Clients b. Thin Clients c.Personal Computers d. None of the above 32. Which of the following component constitute LAN in a CBB a. PC, Switch b. Jack Panel, Router c. Thin Client, Patch Cord d. All the above 33. How does the Alternate Delivery Channels function during the day end , day begin and other maintenance period, as the CBS server may not be available then a. All facilities stop functioning b. Provided through Centralised Stand in Server c. DRS Server takes over d. None of these 34. User command is transmitted from PC on commit to Data Center through a. F1 b. F4 c. F5 d. F10 35. AD type of users are created for a. Administrative Office b. Branches c. Data Center d. None of the above 36. Ours is a ________tier architecture for Finacle a. 2 b. 3 c. 4 d. None of the above 37. IP Address is allocated by ___________to all the locations to be rolled out in Finacle a. ITD HO b. ITD Zones c. Network Integrator d. None of the above 38. Confidentiality, Integrity, Availability are the triad for a. Information Security b. Information Maintenance c. Information Storage d. All the above 39. What constitutes the Alternate Delivery Channels (ADC) a. ATM b. IBS c. Call Centres d. All the above 40. MIS is required to meet what all of the followings a. Control and Monitoring b. Exceptional Transactions c. Reports for Statements d. All the above 41. How many reports / MIS can be generated through CBS system a. 607 b. 637 c. 677 d. 697 42. Reports have been grouped and have been made menu driven through menu option a. REPORTS b. ZOMIS c. HOREPORTS d. Other Reports 43. What all reports can be generated through Finacle a. Account level reports b. Second dispatch reports c. Both (a) and (b) d. None of the above 44. Business Continuity Process can take care of what all following types of transactions a. Cash related b. Clearing related c. Other Transactions d. All the above 45. Business Continuity Process has the offline data entry tool for what all following facilities a. Inward Clearing b. Outward Clearing c. Daily Balance d. All the above 46. MITR Network does not includes which of the followings banks a. Oriental Bank of Commerce b. Karur Vysya Bank c. IndusInd Bank d. ICICI
21 47. ATM of the Bank provides what all facilities to the cardholders of our bank a. Mini-Statement b. Funds Transfer to accounts linked to the card c. Bill payment to Hutch/Orange d. All the above 48. On what kind of Debit card the name & photo of the customer shall appear a. Personalised Debit Card b. Non-Personalised Debit Card c. Semi-Personalised Card d. None of the above 49. How many Cards can be issued in a Joint Holder a/c. a. 1 b. 2 c. 3 d. 4 50. Cash Withdrawal limit on a debit card is set at Rs.__________ per day. a. 10,000 b. 15,000 c. 20,000 d. 25,000
ANSWER 1 11 21 31 41
B C B B D
2 12 22 32 42
A C D D A
3 13 23 33 43
D B A B A
4 14 24 34 44
D B B D D
5 15 25 35 45
D B A A D
6 16 26 36 46
B C A B D
7 17 27 37 47
C A B A D
8 18 28 38 48
C B D A A
9 19 29 39 49
D D B D D
10 20 30 40 50
C D B D D
CBS QUESTIONS SET-VIII 1. After how many successive attempts the PIN of the Debit Card gets blocked temporarily a. 2 b. 3 c. 4 d. 5 2. Banks Internet Banking Service provides which of the following facilities to the customers a. On-line Stop Payment of the cheque b. Dynamic Key Board Facility c. Login with the help of digital signatures d. All the above 3.On-line Share trading facility can be made use of by the customers having the following with them a. Operative Account, Demat Account, IDBI Paisa Builder facility b. Demat Account, IBS Account, IDBI Paisa Builder facility c. Operative Account, IBS Account, IDBI Paisa Builder facility d. None of the above 4. Credit Transactions can be done even before verification of the account opening. Debit transactions are not allowed on unverified accounts a. True b. False c. None is possible until verification d. Both are possible before verification 5. Auto Renewal of a term deposit account is possible for how many times in Finacle a. 1 b. 5 c. 10 d. Any 6. For Transactions happening on partitioning accounts which details are necessary a. A b. G c. O d. Q 7. Instant TOD is applicable on what type of accounts a. SB/CA b. OD/CC c. PC d. All the above 8. Finacle has a feature of maintaining a template for use at any point of time through which menu option. The user can create a template for a set of transaction that is used frequently and use it at the time of doing transaction a.TTUM b. TTM c. TM d. All the above 9. Finacle has the feature, by which a large number of transactions can be directly uploaded into the system by creating a text file in a particular format a. TTUM b. TTM c. TM d. None of the Above 10.When the normal posting of a original account fails due to variety of reasons, then the ______posting of that part transanction can be done by entering additional details a. Proxy b. Forced c. Sundry d. All the above 11. Text can be copied with the help of key Board the Function is: (a) Ctrl + C (b) Ctrl + V (c) Ctrl C (d) Ctrl V 12.As per IT Act, 2000, the digital images are required for authenticity, integrity And non-repudiation. The concept is known as? (a) Electronic Fund Transfer (b) Digital signature (c) RTGS (d) SFMS 13. In CBS inter SOL transactions can be entered by ? (a) captive user (b) Free user (c) DBA (d) General user 14. To log off from Finacle the best way is: (a) close the screen from X button (b) Save & close the screen from X button (c) Type exit and enter twice (d) click a start & shut down 15. The main difference between Debit card and ATM card is? (a) No difference
22 (b) In ATM card customer's account is debited when demand is raised by the bank but is case of Debit card, customer's account is debited while doing the transactions (c) In case of ATM card no shopping is allowed but in case of Debit card customer may do shopping also (d) Security deposit is required in case of Debit card but in case of ATM card no security deposit is required 16. The first three digits of MICR code belong to? (a) City code (b) Bank code (c) Branch code (d) RBI code 17. How many characters IFSC (Indian Financial System Code) have? (a) 6 (b) 8 (c) 10 (d) 11 18. Term ''Hot listing'' in case of ATM card refers to? (a) Enhancing the cash withdrawal limit. (b) Stopping the operations through cards (c) Reducing the cash withdrawal limit (d) Any of the above 19.What do you understand about data purging? (a) Removing old data from the system (b) Adding old data in current data base (c) Taking backup of data (d) Restoring data into system 20. For on-line Inter-bank fund transfer for Rs. 90000/- the facility available in CBS branches is? (a) RTGS (b) TPO (c) Draft (d) NEFT 21.In case a Bank wants to remit funds through RTGS, identify the correct Transaction type for this transaction? (a) R41 (b) R42 (c) R43 (d) R44 22. Tick the menu option for NEFT transactions through CBS from the following Options? (a) NEFT (b) RTGS (c) HRTGS (d) HNEFT 23. PNB is having ATM tie-up arrangements with many banks. Which of the Following bank is not covered under this agreement? (a) Oriental Bank of Commerce (b) Axis bank (c) Indian Bank (d) Karurvaysa Bank 24. For withdrawing Rs. 16000/- through an ATM, what is the minimum number of transactions are to be done by a customer on the ATMs of State Bank of India? (a) One (b) Two (c) Either one or two (d) No restrictions 25. The primary link for connecting a branch to Network center is? (a) Lease Line (b) VSAT (c) Telephone line (d) ISDN 26. Operating system used in DC is a) SUN SOLARIES (b) Window 2000 Serve (c) LINUX (d) OS/2 27. Prefrential Interest to Senior Citizens should be defined at A. Customer preferential Int Credit B. Account preferential Int Debit C. Cutomer preferential Int Debit D. Account preferential Int Credit 28 .Which DP indicator is to be given in a Cash Credit Account if DP is to be derived from Security A. E B. D C. M D. P 29. In a Term Loan Account which DP indicator is to be given A. E B. D C. M D. P 30. In a Term Loan Account A. SRM is to be created B. SRM is not to be created C. SRM is to be entered if security is not a building D. None of these 31. Through which menu option to know the BC letter obtained on a particular date A. LAOPI B. LAGI C. LAODR D. None of these 32. In an existing Loan account BC Letter date can be entered through A. General Detail B. Scheme Detail C. Limit Detail D. MIS Detail 33. While making a transaction in Loan Account which Flow Id is required to be given A. Flow Id B. Interest Code C. SRM Code D. None of these 34. Sanctioned limit, Drawing Power, Balance in the Account, Overdue Liability of an account can be seen through menu option A. ACLI B. SRL C. ACCBAL D. None of these 35. PNB INSTAREMIT is the functionalities of which of the following A. ECS B. SFMS C. RTGS D. None of these 36. What is time limit for doing NEFT-Online using Internet banking Channel . A. Monday to Friday: 9.00 hrs to 15.45 hrs Saturdays: 9.00 hrs to 11.45 hrs B. Monday to Friday: 6.00 hrs to 15.45 hrs Saturdays: 6.00 hrs to 11.45 hrs C. Monday to Friday: 6.00 hrs to 15.00 hrs Saturdays: 6.00 hrs to 11.00 hrs D. None of these 37. If Ceiling Limit defined in SRM is Rs. 5Lacs and Sanctioned Limit Rs. 4 Lacs & Security value is Rs. 10 Lacs with 25% margin, the system will show DP in the Account A. Rs. 3.75 Lacs B. Rs. 5 Lacs C. Rs. 10 Lacs D. Rs. 7.50 Lacs 38. CRV stands for
23 A. Customer Accounts for Renewal view B. Customer Relationship View C. Customer Relation with Staff View D. None of these 39. Through Internet Banking which of the following functions can be done A. Transfer of Funds to other Accounts B. Booking of Railway Ticket C. Bill payment D. All of these 40. Interest debited for Staff Housing Loan Account can be seen through A. PHINQ B. ACLHM C. ALLM D. All of these 41. Sanctioned Limit in an account can be enhanced through A. ACTODM B. TODM C. ACLHM D. None of these 42. Form 15-H can be entered in menu option A. ACM B. OAAC C. CUMM D. OAACAU 43. Outward clearing zone can be opened using menu option A. MICZ B. OCTM C. ICTM D. MCLZOH 44. Inventory held by all users can be inquired through menu option A. IMC B. ISI C. ISIA D. IMI 45. Draft can be printed through menu option A. DDPRNT B. DDPALL C. DDBP D. ALL OF THE ABOVE 46. Maximum number of accounts that can be attached to a debit card is A. 1 B. 2 C. 3 D. 4 47. The menu option through which the Bills are lodged and realised is A. TM B. BM C. BP D. BI 48. The Outstanding of Bills can be seen through menu option A. BI B. GI C. TI D. SI 49. In advances to handle the relaxation in rate of interest by ZMs/GMs, CBS branches to mention appropriate numeric value with A. minus (-) sign in ‘A/c Pref. Int. (Dr.)’ field in ‘G’ details while opening the a/cs B. minus (-) sign in ‘A/c Pref. Int. (Dr.)’ field through INTTM in case of existing a/cs. C. plus (+) sign in ‘A/c Pref. Int. (Dr.)’ field in ‘G’ details while opening the a/cs D. A & B both 50. Drawing power is managed through menu option A. ACLHM B. ACI C. TM D. CUMM ANSWER 1 B 2 11 A 12 21 B 22 31 B 32 41 C 42
D B C B C
3 13 23 33 43
B B B A D
4 14 24 34 44
A C B C C
5 15 25 35 45
D C A C D
6 16 26 36 46
B A A B C
7 17 27 37 47
D D D B B
8 18 28 38 48
B B B B A
9 19 29 39 49
A A A D D
10 20 30 40 50
A D A A A
CBS QUESTIONS SET-IX 1. Which of the following menu option does not pertains to Interest Calculation in Finacle A. LADGEN B. AGRINT C. RPCINT D. None of these 2. What is time taken by the system to transfer the data from Data Centre to DR site. A. 15-20 minutes B. 1 hour -2hours C. 1day -2day D. Immediately 3. Which of the following are related to Information Security A. IDS (Intrusion Detection System) B. FIREWALL C. Cryptographic Tockens D. All of these 4. Menu option to calculate TDS is A. TDSIP B. TDSCALC C. TDSPRNT D. TDSINQ 5. Menu option to ‘Recall’ a Term/Demand Loan? A. ALM B. LNM C. ACLHM D. ACM 6. While working in Finacle under some menu option which key is used to quit from present screen. A. F1 B. F2 C. F3 D. F4 7. Maximum amount can be paid to the customer in case of loss of connectivity without asking for indemnity is A. Rs. 15000/B. Rs. 25000/C. Rs. 10000/D. None of these. 8. Which Operating System is used at Data Centre for Finacle A. UNIX B. LINUX C. SUN SOLARIS D. WINDOWS XP 9. Through which menu option report of Clean Overdraft granted in SF/CA be generated? A. ACM B. MEAC C. ACSP D. LADSP
24 10. Which mode of remittance is applicable to remit Rs. 1,00,000/- and above to other bank A. RTGS B. NEFT C. SFMS D. None of these 11. NCs, ZNCs are A. Network Centres B. Data Centre C. All of these D. None of the Above 12. Menu option to inquire outstanding Foreign Bills? A. BI B. GI C. FBI D. FBM 13. Through which menu option balance report for bills sent for collection is generated? A. BM B. ICH C. BRCR D. BLIP 14. Remittance of TDS deducted is done using menu option A. TDSIP B. TDSCALC C. RMTDS D. RFTDS 15. Which menu option generates reminder for overdue bills? A. BM B. BILLR C. BRCR D. BLIP 16. Menu option for issuance and modification of the bank guarantee is? A. ODCM B. GMM C. BM D. ILC 17. Scheme type for foreign bills. A. FDA B. FBA C. LAA D. CAA 18. Menu Option for Inquiry of Guarantees is one of the following A. ODCI B. BRTI C. BKGI D. GI 19. Sanction limit and drawing power should be the same when drawing power indicator is A. M B. E C. D D. P 20. TODRP is menu option for printing of A. Temporary overdraft register B. Temporary overdraft outstanding C. Expired temporary overdraft entries D. All of the above 21. Which RDBMS is used for Finacle in PNB A. DB2 B. Oracle 10G C. SUN SOLARIS D. Windows 2003 Advance Server 22. IP of CLASS A Network are A. 0 to 127 B. 128 to 191 C. 192 to 223 D. 224 to 255 23. In Utility Bill Payment we use _____ as payment gateway A. ICICI.com B. paybill.com C. billdesk.com D. PNB.com 24. What is EDW A. Enterprise Employees Data Warehouse B. Employee Data Worksheet C. Employee Data Warehouse D. Enterprisewide Data Warehouse 25. What is CMS A. Cash Management System B. Cash Management Services C. Credit Marketing Services D. None of the above 26. What is CRM A. Customer Record Management B. Customer Relationship Management C. Customer Relationship Marketing D. Customer Record Maintenance 27. ACS menu can be used to inquire about a. Total no of accounts opened between two dates b. Total no of accounts closed between two dates c. Accounts with the debit balances d. All of the above 28. CRV is the menu option for a. Customer ratio view b. Customer relationship view c. Customer records view d. None of the above 29. EMS stands for a. Enterprise management system b. Enterprise management service c. Entire management solution d. None of the above 30. Non financial changes can be inquired through menu option a. FTI b. AFI c. FTR d. ACI 31. DAYRPT is the menu option for printing of reports related to a. Any date b. Previous date c. Today’s date d. All of the above 32. Branch DBA is supposed to run menu option at the time of daybegin a. OCST+PTM b. OXFT+TM c. OCST+OXFT d. OCST+ISOCR 33. Reports is the menu option for a. Generation of all type of reports b. Generation of previous day´s reports c. Generation of MIS reports d. All of the above 34. menu option for uploading of signatures is a. IMGMNT b. LDIMF c. SLDIMG d. SIGVER 35. status of any sol can be seen through menu option a. SOLVAL b. SOLSTAT c. SOLTEST d. SOLBCP
25 36. before starting the dayend process branch is supposed to run menu option a. ABH b. TFDDHOC c. SOLEOD d. none of the above 37. balance file can be generated and downloaded by menu option a. DAYRPT b. PTW c. BCPRPT d. None of the above 38. SOLBOD is done by the a. SOL b. Datacentre c. ZNC d. none of the 39. application of interest in CC,OD,LOANS IS DONE by a. SOL during EOD b. SOL during month end c. Datacentre during month end d. All of the above 40. Revenue audit and monitoring can be done through a. RAUDIT b. BAUDIT c. CAUDIT d. FAUDIT 41. Intersol charges can be relaxed using menu option a. ISOUPL b. ISOCR c. ISODDA d. None of the above 42. BCTT stands for a. Book closing transaction tally b. Banking cash transaction tax c. Bank closing transactions total d. None of the above 43. Balance in the intersol non customer account should be maintained at a. Any level b. Sometimes zero c. Always zero d. Zero at least once in a day 44. Manual transactions in Interest accrued on deposits account are a. Allowed at DBA level b. Not allowed c. Allowed with permission from DC d. None of the above 45. Post migration all upload accounts in the branch should a. Be always operative b. Be closed c. Be used as office accounts d. All of the above 46. Menu option for activation of debit cards is a. CARDREP b. DCARD c. CARDM d. CCARD 47. Debit card related reports can be generated through menu a. CARDREP b. PNBRPT c. RTGSRPT d. DCARD 48. Request for duplicate pin for debit card can be sent through a. DCARD b. CARDREP c. DPINREQ d. All of the above 49. Number of accounts that can be attached to a debit card is a. One b. Two c. Three d. Four 50. Number of add on cards that can be issued is a. One b. Two c. Three d. Four ANSWER 1 D 2 A 3 D 4 B 5 D 6 C 7 A 8 C 9 C 10 A 11 A 12 C 13 C 14 C 15 B 16 B 17 B 18 D 19 B 20 D 21 B 22 A 23 C 24 D 25 B 26 B 27 D 28 B 29 A 30 B 31 C 32 C 33 D 34 C 35 B 36 B 37 C 38 B 39 C 40 A 41 B 42 B 43 D 44 C 45 B 46 B 47 A 48 C 49 C 50 B
CBS QUESTIONS SET-X 1. Modification of interest rate in PC accounts can be done with the help of a. INTRUN b. ACM c. INTTM d. PCINT 2. Menu Option for disbursement of a packing credit is a. RPCTM b. TM c. PCTM d. None of These 3. Foreign Currency Draft can be issued using menu option a. IRM b. FBM c. ORM d. TM 4. TDS certificate can be printed for Term Deposit customers through menu option a. TDSIP b. TDSRUN c. TDSCALC d. RFTDS 5. It is possible to calculate TDS in term deposit accounts through menu option a. TDSIP b. TDSCALC c. TDSIN d. None of the above 6. Menu used for cancellation of forward contracts a. FWCHI b. FWCRG c. FWCCNCL d. CNCLFWC 7. Menu option for modifications in a loan Account a. ACM b. ACLHM c. SRM & INTTM d. All the above 8. Menu option for Inquiry of Interest Table Code in FINACLE a. INTTM b. INTSI c. AITINQ d. INTTI 9. To print debit/credit Voucher based on selected criteria menu is a. VCHR b. VCPRINT c. VPRNT d. CDPRINT 10. Menu Option for correct asset classification of the loan account as per the transaction data record available in FINACLE a. MEAC b. SASCL c. MAPD d. None of the above.
26 11. While putting a transaction in Loan accounts which of the following codes are required to be given mandatorily. a. Interest Code b. Flow Id c. SRM Code d. Tran Date 12. Is it possible to change account details after verification, if so, which of the following options is used for doing the same a. ACS b. ACSP c. ACM d. OAAC 13. Menu option used to print demand drafts in a batch a. DDBP b. DDPRNT c. DDPALL d. DDPP 14. Which of the following fields are mandatory for drawing CIBIL CIR? a. Name of the Borrower b. Date of Birth of Borrower c. Gender d. All of the above 15. To view Turnover in an A/c menu is a. ACLI b. ACT c. ACTI d. ACL 16. What constitutes the Alternate Delivery Channels (ADC) a. ATM b. IBS c. RTGS/NEFT d. Only a & b above e. All the above (a to c) 17. How many Add-on Cards can be issued on the Primary Card a. 1 b. 3 c. 4 d. 2 18. After how many successive attempts the PIN of the Debit Card gets blocked temporarily a. 2 b. 3 c. 4 d. 5 19. On-line Share trading facility can be made use of by the customers having the following with them a. Operative Account, Demat Account, IDBI Paisa Builder facility b. Demat Account, IBS Facility, IDBI Paisa Builder facility c. Operative Account, IBS Facility, IDBI Paisa Builder facility d. None of the above 20. The Retail Internet Banking User is created using the following a. Through Retail Internet Banking Relationship Manager user ID b. Through IBSRPOST menu in FINACLE c. Both a & b d. None of the above 21. Sole Proprietorship Concern is to be provided Internet Banking Facility in a. Retail Internet Banking Facility b. Corporate Internet Banking Facility c. Either of the above d. None of the above 22. Menu Option for making an NEFT Transaction is a. HRTGS b. HNEFT c. TM d. None of the above 23. What is the maximum amount upto which NEFT message can be sent a. Rs. 50,000/= b. Rs. 1,00,000/= c. Rs.10,00,000/= d. No Limit 24. What is the maximum per day cash withdrawal Limit in Normal Debit Card is _________ and in Gold Debit Card is _____________. a. Rs. 15,000/=, Rs, 20,000/= b. Rs. 20,000/=, Rs. 30,000/= c. Rs. 25,000/=, Rs. 40,000/= d. Rs, 30,000/=, Rs. 50,000/= 25. The maximum per day POS Transaction Limit in Normal Debit Card is _________ and in Gold Debit Card is _____________ a. Rs. 10,000/=, Rs, 30,000/= b. Rs. 15,000/=, Rs. 40,000/= c. Rs. 20,000/=, Rs. 50,000/= d. Rs, 25,000/=, Rs. 60,000/= 26. PNB Debit Card is accepted on all ATM’s of a. PNB/MITR b. SBI c. CIRRUS logo d. All of the above 27. Our debit card is accepted on all POS terminals having logo of a. Mastercard b. Maestro c. Visa d. Diners club 28. Maximum amount that can be withdrawn in a day from the ATM through signature based Gold card is a. 15000 b. 25000 c. 40000 d. No limit 29. On PNB´s ATM the following facility is available a. Cash withdrawal b. Balance inquiry c. Transfer of funds in own accounts d. All of above 30. Debit card can be issued by a. Only base branch of the customer b. Any branch of the bank c. Call center of pnb d. All of the above 31. Preferential Interest to Senior Citizens should be defined at a. Customer preferential Int Credit b. Account preferential Int Debit c. Cutomer preferential Int Debit d. Account preferential Int Credit 32. While opening a term loan account the function of “Hold in Operative Account” for amount due in scheme details is to a. create Standing Instructions through SIM b. mark lien in the operative accounts of the customer c. enable to recovery of interest d. transfer the loan amount to the operative account 33. While making a transaction in Loan Account which Code is required to be given a. Flow Code b. Interest Code c. SRM Code d. None of these
27 34. In how many batches NEFT Transactions get settled during a day a. 2 b. 3 c. 4 d. 6 35. What is the maximum outer time limit as prescribed by RBI, upto which an RTGS message may be sent on a working day (other than Saturday) a. 3.00 PM b. 3.30 PM c. 4.00 PM d. 4.30 PM 36. A Customer having Internet Banking ID with transaction facility can send NEFT / RTGS messages through a. Centralised Banking Branches (CBB) b. Internet Banking Service (IBS) c. Only through (a) d. Both (a) and (b) 37. The activation of Corporate user ID in Corporate Internet Banking is done through a. IBSRPOST in FINACLE b. IBSCPOST in FINACLE c. Through the Corporate Relationship Manager Login d. Either of a, b or c 38. DP Indicator to be chosen in TL/DL accounts while entering the limit history details in ACM – H option or ACLHM is a. E – Equal b. P – Parent c. D – Derived d. M – Maintained 39. Which of the following module(s) is/are present in LADDER? a. CIBIL b. BASEL c. BSR d. All the above 40. What is the frequency on which updation is done in LADDER? a. Monthly b. Quarterly c. Half Yearly d. Annual 41. Which of the following menu option does not pertains to Interest Calculation in Finacle a. LADGEN b. AGRINT c. RPCINT d. None of these 42. What is the sub facility code for Demand Loan against cash security in LADDER? a. 1400 b. 3107 c. 4101 d. 3108 43.While working in Finacle under some menu option which key is used to quit from 3rd screen to main screen. a. Shift+F1 b. F3 c. Shift+F3 d. F4 44. Maximum amount can be paid to the customer in case of loss of connectivity without asking for an undertaking is a. Rs. 15000/b. Rs. 25000/c. Rs. 10000/d. None of these. 45. Advances given for Agricultural purposes will be classified as NPA, if it is not repaid within some specific period of time (as per crop duration). Which of the following menu options handles the same in FINACLE a. SASCL b. CRDM c. TOPM d. RSAM 46. Through which menu option report of Clean Overdraft granted in SF/CA be generated? a. ACM b. MEAC c. ACSP d. LADSP 47. Which mode of remittance is applicable to remit Rs. 50000/- to other bank a. RTGS b. NEFT c. SFMS d. None of these 48. NCs, ZNCs are a. Network Centres b. Data Centre c. All of these d. None of the Above 49. Consent clause in CIBIL is necessary in the following cases a. Staff Account b. RC filed Account c. Suit Filed Account d. None of the above 50. Menu option to inquire the clear balance, shadow balance, amount in FFD and a. effective available balance is b. ACI c. ACM d. ACCBAL e. OAAC ANSWER 1 C 2 A 3 C 4 A 5 B 6 D 7 B 8 D 9 A 10 B 11 B 12 C 13 A 14 D 15 C 16 D 17 D 18 B 19 B 20 B 21 B 22 A 23 D 24 C 25 D 26 D 27 B 28 C 29 D 30 D 31 D 32 B 33 A 34 D 35 D 36 D 37 C 38 A 39 D 40 A 41 D 42 D 43 C 44 A 45 B 46 C 47 B 48 A 49 D 50 C
CBS QUESTIONS SET-XI 1. Menu option to generate Report of inventory lying at Double lock at the month end for verification of the Incumbent / Second a. ISI b. ISR c. ISRA d. ISTR 2. To view expiry of stock statements on a particular date one has to make use of menu option a. SRM b. SRL c. ACI d. All of these 3. Which of the following functions can be performed by the customers availing Internet Banking Service a. Transfer of funds to third party’s account b. Payment of tickets booked for undertaking train journey c. For making Utility Bill Payment d. All the above 4. To enhance the sanctioned limit in an account which menu option is to be used a. ACTODM b. TODM c. ACLHM d. None of these 5. Device used to connect Leased, ISDN Lines and switch to the Data Center is know as
28 a. Modem b. Router c. HUB d. None of these 6. Entry and modification of lien can happen with the help of menu option a. UFSM b. AFSM c. ALM d. All the above 7. Where and who can define the user as Free User a. DBA at Data Center b. DBA at Circle Help Desk c. DBA at Service Outlet d. All of the above 8. Limit node can be created to control the overall exposure of borrower parties through menu option a. LTL b. LNI c. LNDI d. LNM 9. Bank has made tie-up arrangements for railway ticket booking through internet for a. All its customers b. Selected Corporate Customers c. All Customers availing Internet Banking facility d. The arrangement is likely to start soon 10. Transactions can be made by a user of a particular SOL on customer accounts belonging to other SOLs provided the user is a. DBA b. Incumbent Incharge c. Captive d. Free 11. Through menu option LAOPI, one can extract information about overdue position of all a. Borrowal Account b. Term and Demand Loan Accounts c. All Fixed Deposit Accounts d. All Deposit and Loan Accounts 12. Cheque book issue register can be generated form system by using menu option a. ACM b. ICHB c. INQACHQ d. CHBIR 13. Standing Instructions (SI) register can be got generated through Menu Option a. SIM b. SIE c. SIRP d. SIETR 14. Standing Instructions executed today can be generated through menu option a. SIM b. SIETR c. SIE d. SIRP 15. How can we print Interest Application Report for Customer’s Accounts between a date range? a. CUIR b. ABMR c. CUMM d. ACS 16. In order to avoid crediting interest paid on ordinary / special FD into sundries which details are to be filled while or after opening an account a. ‘G’ General Details b. ‘S’ Scheme Details c. ‘C’ Customer Instruction Details d. ‘F’ Flow Details 17. Under no circumstances the user is required to refund TDS deducted under a term deposit account directly through TM by debiting Sundry TDS Account. Which menu option is to be used for this purpose. a. RFTDS b. RMTDS c. TDSIP d. None of these 18. Menu option to help auditors to list all Fresh FDs opened between two dates a. ACM b. ACDET c. GDET d. None of these 19. For the purpose of morning checking the system generated vouchers report to be treated as how many vouchers a. One b. As many as the number of trans c. This report is not to be depended upon d. None of these 20. For entertaining stop payment request from the customer and entering the same in Finacle which menu option is to be used a. SPP b. SPTM c. SPTR d. None of these 21. There is a provision of generation of advise informing the customer about the change in rate of interest in his account, it can be generated through menu option a. INTADV b. INTTM c. Both (a) and (b) d. None of these 22. Report of accounts below minimum balance is to be generated through the system by a. ABMR b. AFSM c. ACLPOA d. CUIR 23. How a ledger printout of an Office Account be taken from Finacle a. ACCBAL b. ACLPOA c. ACLI d. None of these 24. Foreign Bills are required to be lodged under which Scheme type a. LAA b. FBA c. CAA d. FDA 25. Export Order Details can be managed through menu option a. EXPODM b. IDCM c. MNTFWC d. None of the above 26. Report of all Transactions in CC. OD, Expenditure, Income and Interest Accrued can be obtained from a. Morning checking reports b. PNBRPT 2/19 c. Both the above d. None of the above 27. Menu option to obtain the list of all authorized users in the branch which are active for the day is to be obtained, checked, signed and preserved a. DAYRPT 1/8 b. PNBRPT 1/8 c. PNBREP 1/8 d. All the above 28. Daily Balance Report is to be obtained how many times a day for observing BCP guidelines a. 1 b. 2 c. 3 d. 4 29. Outstanding Transfer of Funds Between CBBs in Non-Cust A/c’s is to be obtained with the help of menu a. ISTRF b. ISTR c. ISOLOP d. SIOUPL 30. Unverified Non-Financial transactions are to be obtained after which command a. After OXFT b. Before OCST c. Before ABH d. After ABH
29 31. UPM Change Report can be generated through which of the following options a. AFP b. UPR c. UCL d. All the above 32. Reports generated in the background of an employees location can be downloaded to local PC with the option a. PTW b. PTTS c. PR d. None of the above 33. Which of the following Process is to be run for transferring balance from sol specific DD account to the central DD account a. TFDDHOC b. ISOUPL c. ISOLOP d. TFDDH 34. Interest Accrual / Application – Success / Failure reports (Scheme-wise) can be obtained in the background of which employee a. General User b. DBA who has done day begin c. DBA who has done ABH d. None of the above 35. Accounts shadow balance enquiry can be done through menu option a. ACSP b. ACSBIO c. ACS d. AFI 36. Search on a branch SOL_Id in Finacle can be done through a. BKTI b. BRTI c. Both the above d. None of the above 37. Deferred Charges calculation can be done through menu option a. DEFCALC b. INTCALC c. TDSCALC d. None of these 38. Stop payment register can be generated through menu option a. SIRP b. SPRG c. SIETR d. SII 39. Accounts abnormal limits detail inquiry can be done through a. AALI b. ACS c. ATOR d. ACTI 40. The user who can transfer inventory lying at a location other than his own is known as and is defined at the level of a. Alternate User, UPM b. Authorized User, UPM c. Allowed User, UPM d. None of the above 41. Partywise Overdue Packing Credits report can be obtained through menu option a. POVDPC b. PCLIALST c. PCARPT d. None of the above 42. It is possible to issue letter to the borrowers / guarantors if the flag in the General Details of the customer is set, through menu option a. LARSH b. LAOPI c. LAODR d. None of these 43. Balances of all foreign exchange heads register type can be obtained through menu option a. FBBR b. FBP c. FBI d. FBADVP 44. Running packing credit accounts can be opened with menu option OAAC sub options a. G/S/H/I/E b. G/S/H/K/F c. G/S/H/V d. None of the above 45. Forward Contracts can be entered into Finacle through option a. FWRM b. INTFWC c. FWCM d. FWCCM 46. _____________ enables inquiry on history of partitioned account a. PHINQ b. PARTINQ c. RTHQRY d. None of the above 47. ____________ enables application of interest in packing credit accounts a. INTRUN b. ACINT c. RPCINT d. PCINT 48. Menu option to issue encashment certificate is a. FBER b. FBECGC c. FBACS d. FBIEC 49. Monthly summary of overdue export bills is available in Finacle and can be generated through a. PNBREP 9/10 b. PNRREP 9/18 c. PNBREP 9/16 a d. PNBREP 9/9 50. Menu option for opening of outward documentary credits is through menu option a. IDCM b. ODCM c. DCRM d. DCREG ANSWER 1 C 2 B 3 D 4 C 5 B 6 C 7 D 8 D 9 C 10 D 11 B 12 D 13 C 14 B 15 A 16 C 17 A 18 C 19 A 20 A 21 B 22 A 23 B 24 B 25 A 26 C 27 A 28 D 29 A 30 A 31 D 32 A 33 A 34 C 35 B 36 B 37 A 38 B 39 A 40 B 41 A 42 C 43 A 44 C 45 B 46 A 47 D 48 D 49 D 50 B
CBS QUESTIONS SET-XII 1. Modification of interest rate in PC accounts can be done with the help of a. INTRUN b. ACM c. INTTM d. PCINT 2. Foreign Currency Draft can be issued using menu option a. IRM b. FBM c. ORM d. TM 3. A revolving Documentary Credit (DC) can be re-instated any number of times during the currency of the DC by using sub-option a. S b. M c. U d. None of the above
30 4. TDS certificate can be printed for Term Deposit customers through menu option a. TDSCALC b. TDSRUN c. TDSIP d. RFTDS 5. It is possible to calculate TDS in term deposit accounts through menu option a. TDSIP b. TDSIN c. TDSCALC d. None of the above 6. TD receipt can be renewed by a.Base branch only b. Any CBS Sol c. Any CBS Sol after maturity d. None of the above 7. Transfer of a term deposit account from one Sol to another Sol is done by a. Closing the account and sending it to the transferee branch b. Using menu option ACXFRSOL c. Using menu option ACXFRSC d. None of the above 8. Remittance of TDS can be done through menu option a. INTRUN b. RMTDS c. RFTDS d. RHTDS 9. Closure of term deposit account can be done using menu option a. CAACAU b. CAAC c. OAAC d. OAACAU 10. Account closure transactions are generated in Finacle at the time of running a. OAACAU b. CAAC c. CAACAU d. ACLI 11. FD accounts are transferred to the overdue category by a. System at day end b. Branch manually c. System at day begin d. All of the above 12. Lien on FD account, for availing demand loan / overdraft should be marked through menu option a. ALM b. SRM c. ACLHM d. OAAC 13. For opening Flexi RD account user has to use menu option a. OAAC b. OAACAU c. ACI d. FOAAC 14. List of pending instalments in RD account can be found out by using menu option a. ACLI b. PENDLIST c. HACLINQ d. PLIST 15. Differential rate of interest accounts should be opened under scheme code a. FDSPR b. FDDRI c. TDDRI d. FDSBR 16. Customer can transfer funds to inter-bank by using which of the following options a. RTGS b. NEFT c. IBS d. All the above 17. Customer can stop payment of cheque issued in ones account through a. Centralised Banking Branches (CBB) b. Internet Banking Service (IBS) c. Both (a) and (b) d.None of the above 18. To deposit direct tax the assesse needs to maintain / have a. An account b. An Internet Banking Account c. Both the above d. None of the above 19. Interest can be applied in Term Deposit accounts through menu option a. INTRUN b. LADGEN c. TDREN d. CAAC 20. Lien can be regularized by the system on maturity of term deposit receipt a. Yes b. No c. Not required d. None of the above 21. Interest provisioning in the accounts of term deposit can be verified through a. PNBREP 4/4 b. PNBRPT 4/4 c. ZOMIS 4/4 d. DAYRPT 4/4 22. Menu used for cancellation of forward contracts a. FWCHI b. FWCRG c. FWCODLST d. None of the above 23. To do an interest inquiry for RPC accounts one has to use menu option a. AIRM b. RINTINQ c. INTTI d. None of the above 24. What version of internet explorer (min required) enables the users to access Finacle successfully a. 5.0 b. 5.5 c. 6.0 d. Does not matter 25. Bank is not purchasing PC instead is purchasing _________for CBBs a. Thick Clients b. Thin Clients c. Personal Computers d. None of the above 26. Which of the following component constitute LAN in a CBB a. PC, Switch b. Jack Panel, Router c. Thin Client, Patch Cord d. All the above 27. How does the Alternate Delivery Channels function during the day end , day begin and other maintenance period, as the CBS server may not be available then a. All facilities stop functioning b. Provided through Centralised Stand in Server c. DRS Server takes over d. None of these 28. User command is transmitted from PC on commit to Data Center through a. F1 b. F4 c. F5 d. F10 29. AD type of users are created for a. Administrative Office b. Branches c. Data Center d. None of the above 30. Ours is a ________tier architecture for Finacle a. 2 b. 3 c. 4 d. None of the above 31. IP Address is allocated by ___________to all the locations to be rolled out in Finacle a. ITD HO b. ITD Zones c. Network Integrator d. None of the above 32. Confidentiality, Integrity, Availability are the triad for
31 a. Information Security b. Information Maintenance c. Information Storage d. All the above 33. What constitutes the Alternate Delivery Channels (ADC) a. ATM b. IBS c. Call Centres d. All the above 34. MIS is required to meet what all of the followings a. Control and Monitoring b. Exceptional Transactions c. Reports for Statements d. All the above 35. While putting a transaction in Loan accounts which of the following codes are required to be given mandatorily a. Interest Code b. Flow Id c. SRM Code d. Tran Date 36. Reports have been grouped and have been made menu driven through menu option a. REPORTS b. ZOMIS c. HOREPORTS d. Other Reports 37. What all reports can be generated through Finacle a. Account level reports b. Second dispatch reports c. Both (a) and (b) d. None of the above 38. Business Continuity Process can take care of what all following types of transactions a. Cash related b. Clearing related c. Other Transactions d. All the above 39. Business Continuity Process has the offline data entry tool for what all following facilities a. Inward Clearing b. Outward Clearing c. Daily Balance d. All the above 40. MITR Network does not includes which of the followings banks a. Oriental Bank of Commerce b. Karur Vysya Bank c. IndusInd Bank d. ICICI 41. ATM of the Bank provides what all facilities to the cardholders of our bank a. Mini-Statement b. Funds Transfer to accounts linked to the card c. Bill payment to Hutch/Orange d. All the above 42. On what kind of Debit card the name of the customer shall appear a. Personalised Debit Card b. Non-Personalised Debit Card c. Semi-Personalised Card d. None of the above 43. How many Add-on Cards can be issued on the Primary Card a. 1 b. 2 c. 3 d. 4 44. Cash Withdrawal limit on a debit card is set at Rs.__________ a. 10,000 b. 15,000 c. 20,000 d. 25,000 45. After how many successive attempts the PIN of the Debit Card gets blocked temporarily a. 2 b. 3 c. 4 d. 5 46. Banks Internet Banking Service provides which of the following facilities to the customers a. On-line Stop Payment of the cheque b. Dynamic Key Board Facility c. Login with the help of digital signatures d. All the above 47. On-line Share trading facility can be made use of by the customers having the following with them a. Operative Account, Demat Account, IDBI Paisa Builder facility b. Demat Account, IBS Account, IDBI Paisa Builder facility c. Operative Account, IBS Account, IDBI Paisa Builder facility d. None of the above 48. Credit Transactions can be done even before verification of the account opening. Debit transactions are not allowed on unverified accounts a. True b. False c. None is possible until verification d. Both are possible before verification 49. Auto Renewal of a term deposit account is possible for how many times in Finacle a. 1 b. 5 c. 10 d. Any 50. For Transactions happening on partitioning accounts which details are necessary a. A b. G c. O d. Q ANSWER 1 C 2 C 3 D 4 C 5 C 6 C 7 B 8 B 9 B 10 C 11 A 12 B 13 D 14 D 15 B 16 D 17 C 18 B 19 A 20 A 21 B 22 D 23 B 24 B 25 B 26 D 27 D 28 D 29 A 30 B 31 A 32 A 33 D 34 D 35 B 36 A 37 A 38 D 39 D 40 D 41 D 42 A 43 B 44 D 45 B 46 D 47 B 48 A 49 D 50 B
CBS QUESTIONS SET-XIII 1. Instant TOD is applicable on what type of accounts a. SB/CA b. OD/CC c. PC d. All the above 2. Finacle has a feature of maintaining a template for use at any point of time through which menu option. The user can create a template for a set of transaction that is used frequently and use it at the time of doing transaction a. TTUM b. TTM c. TM d. All the above 3. Finacle has the feature, by which a large number of transactions can be directly uploaded into the system by creating a text file in a particular format a. TTUM b. TTM c. TM d. None of the Above 4. When the normal posting of a original account fails due to variety of reasons, then the ______posting of that part transanction can be done by entering additional details
32 a. Proxy b. Forced c. Sundry d. All the above 5. Menu option for reversal from Protested to General category is a. PDAR b.RPDA c. PROTECT d. none 6. Menu option for Customer Becoming Major is a. MAJ b. CM c.CBM d. None of these 7. Which menu option would enable search to know the Balance Confirmation (BC) letter obtained on a particular date? a. ACM b. LAOPI c. LAODR d. LAGI 8. MIS reports for Controlling Offices can be generated through menu options a. RORPTS b. CARDRPT c. REPORTS d. DAYRPT 9. Details of overdraft granted in SF/CA accounts can be generated through which of the following menu options? a. MEAC b. ACSP c. ACM d. LADSP 10. Which of the following module(s) is/are present in LADDER? a. CIBIL b. BASEL c. BSR d. All the above 11. What is the frequency on which the NPA classification is done in LADDER? a. Monthly b. Quarterly c. Half Yearly d. Annual e. None of the above 12. What is the sub facility code for Term Loan staff in LADDER? a. 1400 b. 3107 c. 4101 d. 3108 e. None of the above . 13. Which file is generated while taking system backup in LADDER? a. sbkppnb b. dbkppnb c. sbsrpnb d. Either of the above e.None of the above 14. What acts as the Map Key for LADDER in CBS? a. LADDER Customer ID b. CBS Customer ID c. CBS Account no. d. Either (b) or (c) e.None of the above 15. What is the frequency on which updation is done in LADDER? a. Monthly b. Quarterly c. Half Yearly d. Annual e. None of the above 16. What is the sub facility code for Demand Loan against cash security in LADDER? a. 1400 b. 3107 c. 4101 d. 3100 e. 3108 17. Consent clause in CIBIL is necessary in the following cases a. Staff Account b. RC filed Account c. Suit Filed Account d. Decreed Account e.None of the above 18. Which of the following fields are mandatory for drawing CIBIL CIR? a. Name of the Borrower b. Date of Birth of Borrower c. Gender d. District Name e.All of the above 19. Why is it necessary to suspend a cust_id of the customer who does not have any active account associated with it a. It occupies space at the server at Data Center b. It is not required anymore c. It should not be used to introduce any new account d. None of the above 20. TODRP is the menu option for printing of which of the following a. Expired TOD entries b. Outstanding TOD entries c. Temporary Overdraft register d. All of the above 21. Menu option required to run before opening of an account in Finacle a. CUS b. CUMM c. ACS d. CUMI 22. TDS Exempt End Date & TDS Exempt Submission Date are used to control a. Date on which 15-H Form is submitted & date upto which no tax is to be deducted b. Date upto which tax is to be deducted and the date of submission of 15-H form c. Date upto which tax is not to be deducted and the date of submission of 15-H form d. Date upto which tax is not to be deducted and date of entry of 15-H form in Finacle 23. Inquiry on a customer can be done though the menu option a. CUMI & CUMM b. CUMM & AFU c. AFI & ACI d. SII & SIRP 24. Menu option used to open Customer Accounts (SF/CA/CC/OD/TD) is a. OAACAU b. ACS c. ACSP d. OAAC 25. Is it possible to change account details after verification, if so, which of the following options is used for doing the same a. ACS b. ACSP c. ACM d. OAAC 26. Which type of accounts would be a concern if they are not associated to the same cust_id of the customer a. Overdraft Accounts b. Term Loan Accounts c. Term Deposit Accounts d. None of the above 27. While opening a term loan account the function of “Hold in Operative Account” for amount due in scheme details is to a. create Standing Instructions through SIM b. mark lien in the operative accounts of the customer c. enable to recovery of interest d. None of these 28. While opening a term loan account the function of “Recovery Method” in scheme details is to a. Allow recovery of amount of installment from operative account b. Allow marking of lien in the operative account c. Allow recovery of interest amount from operative account d. None of these
33 29. Intt debited to simple interest bearing accounts not being debited to loan account can be seen with the help of menu option a. ACLHM b. ALM c. PHINQ d. ALLM 30. New menu option to generate amortization history of history of bills a. AMBOH b. MOHB c. MOHHB d. AMHOB 31. Intersol transfer of funds is done through menu option a. ISTRF b. ISTM c. TM d. ISTRM 32. Entire set of data backup is transferred from DC to DRS after which of the following operations a. Sol EOD b. Solval c. CEOD d. CBOD 33. Information about changes done in HUPM during a given period their old and new values can be known through a. HUPM b. AFP/AFI c. DAYRPT d. PNBRPT 34. Order of preference for telecom lines for obtaining connectivity to roll out branches in Finacle is as follows: a. ISDN, RF,LL b. RF, ISDN,LL c. RF,LL,ISDN d. LL, ISDN, RF 35. Ping is a command which checks about a. Latency of the response b. Health of the line c. Availability of connectivity d. None of the above 36. Menu option used to inquire about outstanding and reversed entries as per the selection criteria for Sundry and Suspense Accounts is a. IOT b. TM c. FTI d. Both (a) and (b) 37. What is Memo Pad? Ans. Memo Pad provides the same function like in electronic media as in manual scenario we were used to writing that messages on A/c Ledgers. 38. How to create Memo Pad Entry? Ans. By pressing CTRL+F9 from any form in FINACLE. 39. Menu option to download any file to PC Ans. PTW (sub option T) 40. Software used for signature scanning Ans. Signcap 6.1.2 41. Menu Option for Uploading Signatures Ans. LDIMG/SLDIMG 42. Menu Option for Signature Verification Ans. IMGMNT/SIGVER 43. Manu Option for Statement of A/c in Laser Printer Format Ans. LPSP 44. How to see the utilization (total and individual) of limit allocated to a borrower Ans. CULI 45. Menu Option for disbursement of a packing credit Ans. RPCTM 46. What is the work class of Chief Manager/Asstt.Gen. Manager? Ans. 080/090 47. Menu Option to enquire the GL balance under a particular SGL code for the given period Ans. IOGLT 48. Menu option for getting information on disbursements made at various levels Ans. LAGI 50. Which menu option is to be invariably run before SOLEOF? Ans. TFDDHOC with user of workclass as 060 or above and user tenor as Free (F) and Intersol transfer limait set to maximum 51. Can clearing cheques be directly credit to Loan A/cs? Ans. No 52. How to reverse credit balance in Term/Demand Loan? Ans. By using menu option TM by entering the flow ID as “XFER” in ‘A – Additional Details’ field. Before doing this uptodate interest should be run. 53. How to modify interest rates in a Loan A/c? Ans. INTTM – ‘M’ function 54. How to Recall at TL/DL A/c? Ans. ACLHM – Option M – Value ‘D’ in operation field 55. Menu option to extent limitation in Loan A/c Ans. ACM – Scheme Details 56. By what all menus modifications can be done in a Loan A/c? Ans. ACM, ACLHM, INTTM&SRM 57. How to find the details of unverified modification in an a/c ? Ans. PNBRPT -2-13 & 14 58. Menu option to transfer interest liability from office a/c – loan a/c Ans. LAXFRINT 59. Menu option to change the name of a/c holder Ans. AALM 60.Menu option to sanction Adhoc limit in C/C & OD A/c Ans. TODM/ACTODM 61.Menu option to find previous purchases in ODD Ans. ICH 62. Balance report for Bills Ans. (i) BRCR – Bills sent for collection (ii) BRBPR – Bills purchased/discounted 63. Menu option for Bills reminder Ans. BILLR 64. Menu option for adding Forward Contract Ans. MNTFWC 65. Menu option for canceling Forward Contract Ans. CNCLFWC 66. Menu option for extending Forward Contract Ans. EXT FWC 67. What is GBM EOD process known as Ans. MCP (Module Completion Process) 68. Can FINACLE EOD be carried out without GBM EOD? Ans. No 69. Which International Rating Agency has rated our Internet Banking Site as a secure site Ans. Verisign Ans. NFCAN 70. Menu option on receiving a draft cancellation letter from a non-Finacle branch
34 Sl. No 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
Question
Answer
NEFT can be make for more than 1 lacs ATM/DEBIT card can be issue to a corporate a/c Internet banking can be issue a corporate with digital signature For inoperative a/c you have to change the image access code to IN by IMGMNT menu OD upto Rs 2000/- is available in PNB MITRA a/c Using INTCERT use can generate int. certificate for loan a/c In ONS all the function keys are available PNB Sparsh is our call center no-1800 180 2222,0124 2340000 SPSD(Service Plus Service Desk) is our central help desk ATM/DEBIT card also issued to E/S & F/S mandate Debit card can be issue to Individual having SB/CA & OD a/c Our ATM/Debit card can be used for Internet purchase(E-com) also Our Credit Card is tie-up with VISA Branch can do Hot list of cards by menu SWCM Our Internet banking is secured with VeriSign certified You can do RTGS & NEFT if you are IBS user For bill payment we use Billdesk gateway For on line trading our bank tie up with IDBI ,SMC & NETWORTH You can pay our LIC premium by using Internet Banking Mobile banking(SMS facility) also available for IBS user For Using internet banking facility you have to pay Rs.100/- per year CRM is Customer Relationship Management NEFT for 50000/- is free RTGS & NEFT is available in all branches of our bank IFSC for a branch is PUNB0
Next version of finacle is Finacle10 PNB Knowledge Centre where all circulars are available is maintained by IT centre RM user is used for creating retail internet user HRMS a peoplesoft package is used for all HRD related maters CMS (cash management services) is used by corporate user for easy cash management and MIS purpose
ANSWER 1 D 2 11 B 12 21 B 22 31 A 32
B C D C
3 13 23 33
A A A B
4 14 24 34
A C D D
5 15 25 35
B A C A
6 16 26 36
C E C D
7 17 27 37
D E B
8 18 28 38
C E A
9 19 29 39
B C C
10 20 30 40
True False True True True True False True True True True True True False True True True True True True False True True True True True True False True True
D D D
A FEW CBS-PRODUCTS PRUDENT SWEEP - SAVINGS ACCOUNT • Initial deposit –Rs.500/• QAB- Rs. 5000/• Non Maintenance charge-Rs. 150/- per Qtr. • This account allows Smart Sweep-in and Sweep-out facility. • Any amount in excess of Rs.25000/- automatically goes to term deposit for a period of 7 to 365 days in multiples of Rs.5000/-, interest at Card rate. • The account holders avail the following additional benefits: o Free ATM card o Free remittance facility upto Rs.20000/- per month. o Free collection of outstation cheques. o No processing fee for any retail loan upto Rs.5.00 lacs. SMART ROAMER - CURRENT ACCOUNT • Initial deposit –Rs.5000/• QAB- Rs. 25000/-
• • •
35
Non Maintenance charge-Rs. 825/- per Qtr. This account allows Smart Sweep-in and Sweep-out facility for Current Account holders. This allows automatic transfer of balance in excess of Rs.50000 in multiples of Rs.10000 to term deposit for a specified period of 7 days to 45 days. Interest on Card rate. • The account holders avail the following additional benefits: o Free ATM card o Free remittance of fund upto Rs.25000/- to any CBS branch o Instant credit of outstation cheques o 25% concession on annual custody charges for D-Mat services. PNB SPECTRUM: FIXED DEPOSIT • This account can be opened with an initial deposit of Rs.1000/- only and thereafter in multiples of Rs.1. • This is replacement for existing schemes by way of integration of them viz. - Ordinary FD Scheme - Special FD Scheme - Multi Benefit FD Scheme - Anupam Deposit Scheme - Varshik Aay Yojona – FD This scheme offers either of the following options to the customers: a) Maturity option : 7 days to 120 months. Payment of Interest and proceeds of FDRs on or before maturity. b) Income Option : Six months to 120 months. Payment of interest at chosen interval. • Overdraft facility – • This facility allows the customers to avail OD facility @1% over and above the deposit rate. However, to avail this facility the minimum deposit amount must be Rs.10000/-. • Payable at all CBS branches on maturity. • Under maturity option part withdrawal in multiples of Rs.1000/- without loss of interest on remaining FDR is allowed. • Change of option permitted if FDR is minimum of 12 months and the remaining period of maturity is more than 6 months. TOTAL FREEDOM SALARY ACCOUNT • Savings Fund a/c with “zero minimum balance”. Minimum a/c to be opened under the same – 10 or 75% of permanent employees per organisation. • Freedom to overdraw upto Rs.15,000 / last month salary credited, whichever is lower. • Personal loan to employees ( upto 30 times the net monthly salary subject to maximum of 3 lacs). • Total freedom from maintenance of minimum balance and incidental charges. • Free chequebooks / statement of a/cs. • Free intersol transaction. • 50% discount on transfer of funds to non-CBS branches. • Free issuance of certificates viz. interest certificate, balance certificate. • Free maintenance of D-Mat a/c. • 50% discount in one locker at the branch convenient to the customer. PNB VIDYARTHI SAVINGS FUND ACCOUNT • Account can be opened in the name of the student above the age of 10 years in own name, above 5 years under guardian. • Initial minimum deposit amount required is zero. • Zero minimum balance/QAB required. • Overdraft facility* initially upto Rs 5000/- & subsequently upto Rs 10000/- available. • (* student to be above the age of 18 yrs) • ROI applicable on OD will be that applicable on Personal Loan. • The account holder is issued DD for all types examinations free of cost. • Other freebies includes, free Debit Card, Cheque book, waiver of Intersol charges etc. • No documentation , except letter of request of guardian & one PDC from the student. PNB TAX SAVER FUND • Under this deposit scheme tax benefit under section 80 c can be made • Minimum deposit is Rs 100/- & therafter in multiples of Rs 100/• Maximum deposit that can be made in a year is Rs.one lac • There is lock-in period of five years. Deposit from 5 years to 10 years • Rate of interest is 8.50% p.a
• •
36 Senior citizen get additional 0.25% p.a OD/Dl can be allowed only after lock in period. IMPORTANT WEBSITES
www.pnbindia.com - Our Corporate web site. Here you can find all the information about our bank . You can get all the Product Information, Services charges, Interest rate, Financial results, ATM/Brach location, Recruitment , Tender and link to other important sites. www.netpnb.com- This site is for internet banking use. Customer can login to account by this site. www.pnbnet.in - E–Circular site. Staff can login to this site to see the circulars and other information. www.pnb.in- E-mail site. You can send and received e-mail using this site. www.pnb.net.in- This is PNB’s Depository Service web site. You can view all you share holdings from this site. www.pnbnet.net.in- This is our HRDD and HRMS site. Staff can see their promotion result and marks from this site. You can see your posting and transfer from this site also. www.pnbnet.org.in- This is on line education loan site. You can apply online for education loan using this site. www.rbi.org.in- Reserve Bank of India’s web site. You can find all RBI circular ,guidelines and latest information form this site. IT & BANKING What is a Computer: a)The word “computer” comes from the word “compute” which means to calculate. A computer is normally considered to be calculating device that can perform arithmetic operations at enormous speed. It is an electronic device that accepts data as input, process the data using some predefined instructions (called programs) and gives the desired result. Characteristics of a Computer: 1) Speed ,2) Accuracy 3) Memory- It store data for unlimited time.4) Diligence- Unlike human beings, a computer is free from monotony, tiredness, lack of concentration etc, 5)No I.Q- It possesses no intelligence of its own,6) No feelings- Computers are devoid of emotions Types of Computer:-a)Super Computer b) Mainframe Computer c)Mini Computer, d)Micro Computer or Personal Computer(PC) Hardware: The physical part of a computer, which we can touch or see. Ex- Keyboard, Monitor,etc Software : The programs through which we can operate a computer. Ex-Windows, Finacle etc Input devices : Input devices are basically devices that are used to give input to the computer. ExKeyboard,Mouse,Scanner etc. Process: is the brain of the computer Ex- CPU . Output devices: is used to get the result from the computer Ex-Monitor, Printer etc. Storage: Is used to store data, program and information for future use. Ex- Hard Disk, Floppy Disk, RAM etc Keyboard:-On most computer, a keyboard is the primary text input device. It uses the same key arrangement as the standard typewriter. The standard arrangement of alphabetic keys is known as QWERTY keyboard. Mouse: It is a simple hand held input device. It has three Operations: Click: select, Double Click: Open,& Drag: move Monitor:-Monitor is a specialized, high resolution screen, similar to a high quality television. The actual display screen is made up of red, green and blue dots that are illuminated by an electron beam from behind. Printer:-Printers are used to get a printout or hard copy of the data or result. Types of Printers: Dot matrix Printer, Inkjet Printers, Laser Printers Storage Device: There are two type of storage 1) Primary storage(or main memory),2)Secondary storage(or mass memory). Primary Memory: Primary memory is faster and expensive than secondary memory. Example of primary memory are: a)RAM(Random access memory)-Volatile in nature, b)ROM(Read Only Memory)-Non-volatile in nature. c) PROMProgrammable ROM, d) EPROM-Erasable PROM . Secondary Memory: It is used as mass storage device. It is very slow to read or write and less expensive. Example:a)Hard Disk,b) Floppy disk: stores 1.44 MB of data, c) Magnetic Tape(or Tar):stores 10 GB to 50 GB, d)CD(Compact Disk):stores 700 MB of data e) DVD(Digital Video/Versatile Disk):-stores 4 to 17 GB of data Memory Units: BIT- It is the smallest unit of data used by a computer. Processor:-Processor takes the commands from the user and execute the commands and give the results to the user. It is called as the brain of the computer. It is made of up millions of transistors and electronic gates. It has two parts,1)CUControl Unit-it sends only control signals to controls all the operations of CPU,2)ALU- Arithmetic and Logic Unit- It is responsible for all arithmetic calculations and logical operations Switch Mode Power Supply Unit (SMPS):It is used to convert AC to DC for running the computer. Computer Virus :A virus is a destructive program whose main aim is to destroy other valuable programs and data files. It spread by infecting files. Ex- Code Red , Melissa , Lion etc. Types of Virus: Trojan Horses: A Trojan Horse is a program which has some hidden, generally multi-functionality that the user does not expect or know about. One function could be to execute a virus. Trojans appear to be anti-virus software, but actually
37 themselves execute virus code. A widely accepted distinction between viruses and Trojans, however, is that Trojans do not self-replicate. Droppers: Droppers are programs that install viruses on computers. The purpose is often that the droppers is not infected with a virus, and thus will not be detected by anti-virus software. Some droppers also have a component which can connect to the internet and download updates to the virus. Backdoors: A backdoor is a program or a set of related programs that a hacker installs on the victim computer to allow access to the system at a later time. A backdoor's goal is to remove the evidence of initial entry from the systems log. But a "nice" backdoor will allow a hacker to retain access to a machine it has penetrated even if the intrusion factor has in the meantime been detected by the system administrator. Resetting passwords, changing disk access permissions or fixing original security holes in the hope of remedying the problem may not help. Worm: A worm is a specific type of virus that propagates itself across many creating copies of itself in each computer's memory. Spyware: Spyware and other unwanted software refers to software that performs certain tasks on the comuter, typically without user consent. This may include giving user advertising or collecting personal information about him. Adware: A software application that can display advertising banners while the program is running or via some other triggering mechanism is called adware. File Infector: This is the most common virus. It adds virus code to the regular programming code within program file. When infected program is run, other program files also get infected. Boot sector Virus: This virus attaches itself to the boot sector of the disk. This sector is the part of the disk where start-up instructions and the file allocation table are kept. This sector is read and loaded into the memory every time the disk is booted. This virus is also very dangerous. Symptoms of Virus Infection:-1) System slow 2) Increase in number of files in HDD. 3) Program taking longer than normal to load 4) Program or file corruption or disappearance. 5) Reduction in the amount of RAM available 6) Restarted automatically. Prevention :Use a good anti virus software(Norton Anti virus). Do not use pirated and other unauthorized software. Do not use floppy of cds without checking carefully for viruses. Do not leave the floppy disks unlocked. Do not use Internet in a network environment. Make regular backup of important data. Update your anti-virus software regularly. Do not open unknown E-mail attachments. For Internet use setup a firewall in your machine. Action to be taken in the Event of a Suspected Virus Attack: If a computer system begins to behave in a strange manner, it is possible that the problem could be caused by an equipment malfunction, but it is also possible that the problem could be caused by a computer virus. If you do not know, assume the worst; assume it is a virus until proven otherwise. If a computer virus is suspected, do the following: (a) Plug out from the Network. (b) Stop using the computer immediately. Do not turn U off. Leave it so that the behavior which causes you to suspect a virus can be examined by an other support person (c) Take up with Regional/Zonal IT Team/Vendor.(d) Place a message on the affected computer to indicate that it must not be used. (e) Gather any floppy disk/CD-ROMs which may have been used on the affected computer, label them clearly and put them away f or subsequent checking.(f) Complete the Computer Abuse Report for Audit, taking guidance from IT Team at controlling Offices. (g) If a user receives an e-mail and suspects that, the same contains a virus, do no open it or any attachment. What is E-Commerce?:-E-Commerce (Electronic Commerce ) means buying and selling of goods or services though the Internet. Computer Network: In a computer network , two or more computers are linked together for communicating data and sharing resources.Advantages:1) Information sharing- We can share information among all the user in that network(Share file and folder ), 2) Resource sharing – We can share a printer or scanner with other Department., 3) Communication- We can communicate with other user by sending message to them, 4) Reduce cost- It make a paper less office as all the letters and information can be get electronically. Network Models: There are two types of network models:1) Peer-to-peer networks-All computers on a peer network are equal in terms of authority and usage. All can use others resources without any restriction. 2) Client Server Architecture In client server technology one computer is server and others are clients. The server decide who can get the resource at what time. The clients can communicate with each other through the server. Types of Networks: There are basically three type of networks present,1)Local Area Networks(LAN)- A system of networked computers and other resources that are in a small geographical area (i.e. in one building), 2)Metropolitan Area Network(MAN) – This type of networking is restricted within one City, 3)Wide Area Network(WAN)- This type of network in with a country or around the World (Ex- Internet, Railway Reservation network) LAN Topologies: LAN topologies defined the manner in which network devices are organized. These are A)BUS,B)RING, c)STAR d) MESH LAN Hardware: In addition to computers , the hardware components needed to create LAN include a) Network cable, b) Network Interface Cards for each computer, c) Cable Interface Unit(HUB or Switch), d) Repeater Network Cable: The network cable can be twisted–pair cable ,coaxial cable, or fiber optics cable. Twisted-pair cable costs the least but is the slowest. This interface can destroy data. Coaxial cables are faster than twisted pair up to 100 mbps. Fiber-optic transmit data using light pulses with very high efficiency. Fiber optics can carry massive amounts of data.
38 Network Interface Card(NIC): The network interface cards convert the data on the computer’s internal bus to conform to the protocol standards of the network architecture. Cable Interface Unit(HUB or Switch): The cable interface unit , sometimes called a hub , sends and receives signals on the network cable. This unit is a box outside the computer. Hub is a central point in a network Hubs are used to create a physical star network while maintaining the logical bus configuration of the LAN INTERNET:- The Internet is a worldwide network of networks. Internet is a window to global information super highway. It is a collection of independent smaller networks and other connected machines spanning the entire globe. Internet Applications: (1)World Wide Web(WWW)- The www consists of web pages where you can find out any type of information you want. This is a large collection of graphical and text pages stored in different server in all over the world.(2) Electronic Mail(E-Mail)-You can send and receive electronic mail through Internet. (3)FTP-File Transfer Protocol is protocol used to transfer files between computers on the Internet. (4)Internet Relay Chart(IRC)-IRC provide real-time communication with others on the Internet.(5)News Group- News Group are like an international bulletin board. Here you can post your question and answer. (6)Telnet- Telnet is the service of the Internet that allows you to access remote computers outside your area. (7)Fax- We can send and receive faxed using Internet. (8)Telephony- We can make and receive phone calls using Internet. (9) Videoconferencing- We can make video conferencing using Internet. Here video and audio simultaneously send through the internet. Internet Connection:-The connection to access the Internet’s service and resources is usually one of two types a)Dialup Access, b) Direct Access .Dial Up Access:With dial-up access , a computer connects to the Internet with a temporary connection , generally over a telephone line using a modem. Modem(Modulation & Demodulation) is a device that convert the analog signal of the telephone line to the digital signal for computer use and vice versa. For dial up connection you need to establish a connection through an ISP(Internet Service Provider). ISP charges from the user for using their connection . Ex of ISP –BSNL, Satyam, MTNL etc. Working with Internet: Connect the Internet through the dial-up connection( or others).Open a Web Browser – a web browser is a software that enables you to access resources on the web. Some popular browser are 1) Internet Explorer ,2) Netscape Navigator etc. Enter the web page address in the address bar of the browser (like www.pnbindia.com) and click on go button. Go to different pages of the address using the links available on that page. Electronic Mail(E-mail): E-mail is a private communication between two parties who have accounts on the Internet. You can send sound, graphics and video through e-mail. You can send and receive mail from any computer using user e-mail Id. Multimedia: Multimedia is a combination of different media such as text, graphics, sound, video and animation together to create a natural environment. FINANCIAL NETWORKS: BANKNET:- is a payment network within India established by RBI (on the recommendations of Iyer Committee) during 1991. The system makes use of inter-city trunk voice grade data circuits. The user banks can access BANKNET from their premises through leased or dial up lines at the local centers using ports on PADS and UNIX machines with popular data communication software. Access to SWIFT is also possible through this system. RBINET: It is communication system operating over the BANKNET. RBINET client running a personal computer is called RBINET Dos client and he can communicate with its server over a dedicated leased line or a dial up line. SWIFT: The Society for Worldwide Inter-Bank Financial Telecommunication was formed during 1973 and its headquarter is at Brussels. It is for transmitting the financial message world wide. SWIFT provides various facilities such as transfer of message relating to fixed deposits, interest payments, debit-credit statements, foreign exchange etc. It bears liability arising from loss or delays in delivery of messages, assumes the responsibility for proper functioning of the network and its security. The delivery of messages to other than member branches is responsibility of the user. INFINET: Indian Financial Network (Infinet) is a satellite based VSAT network developed by Institute for Development and Research in Banking Technology (IDRBT - an RBI sponsored organisation having head office at Hyderabad) and is used for fast and secure intra-bank and inter-bank communication system. SOFTWARE:Set of instruction(or programs) for doing a specific job in a computer is called as software. It is of two types.1)System Software(Operating system)- It is an integrated set of specialized program that is used to manage the resources and overall operations of a computer. Ex-Windows ,Unix,Linux,Dos 2) Application Software: this programs is designed to help user to perform a certain type of work Ex- For word processing –Ms word,PageMaker ,For calculationMs Excel, Lotus 1-2-3,For database manipulation- Ms Access, Oracle,For banking- Finacle, Bancmate etc Disk Operating System(DOS):DOS (Disk operating system) is first widely used operating system in personal computers. DOS is a non-graphical ,text based , command oriented very simple OS.C:\> is called the DOS prompt where you can enter your command. Windows Operating System: Windows is GUI based, multitasking , user friendly operating system, GUI- Graphical User Interface is a display format that enables the user to choose commands , start programs and do other options by pointing to pictorial representations(icons) and lists of menu items on the screen. Multitasking : means running several programs simultaneously. The Windows Environment :Booting- It is the process to load the operating system from the HDD to the main memory(RAM),Desktop: After the booting process windows first screen is called the desktop. From the desktop we can navigate to other programs and application., Task bar- The bottom strip of the desktop is called task bar. It is used to
39 switching between programs. Start-In the left corner of task bar a start button is present from where we can go to any program group. UNIX Operating System: UNIX was developed by US Telecommunications Company AT&T .It is developed in C language. It is a multi-user, multitasking, text based, command oriented operating system. Multi-user: More than one user can work on UNIX by using multiple terminal at the same time. COMPUTER CRIME Definition: Computer-crime means unauthorized access to or alteration in computer programs or data. Most of the computer crime relates to: (i) Stolen of enormous amounts of funds belonging to various computer companies by transferring them out of their accounts illegally, (ii) Spreading destruction from one computer to another using virus programs. Phishing: Phishing is a form of social engineering attack used by cyber criminals to steal sensitive information. Phishing uses Spam mails to deceive consumers to disclose their credit card numbers, bank account information, passwords and other sensitive information. Prevention: (i) Vaccines: - A type of programme that vaccinate computers against virus. ii) Password:- A password protected computer system require the user to enter a password which is usually a combination of alpha-numeric characters (A-Z and 0-9). If password is valid the computer grants access else access is denied to the unauthorized user. The longer is the password, the safer it is. Halting Trespassers: In order to restrict illegal access to a computer, some sophisticated defense is used instead of simple password. For example, special voice-recorders can analyze the voice of a trespasser and check it against a database containing the voice-patterns of valid users. COMPUTER SECURITY The computer security can be provided by use of physical methods and by use of logical methods. As regal physical methods, the banks can provide guards, video surveillance, biometric methods, locking up machines and terminals. The logical methods are user and password, use of smart cards, cryptography i.e. data encryption etc. Following are some security methods: Firewall technology: It is used for isolation of network of an organisation from other networks, by a combination of hardware and software. It uses proxy servers and packet filtering software tools, routers etc. IDS: An Intrusion detection system (IDS) is software and/or hardware designed to detect unwanted attempts at accessing, manipulating, and/or disabling of computer systems, mainly through a network, such as the Internet. These attempts may take the form of attacks, as examples, by crackers, malware and/or disgruntled employees. An IDS cannot directly detect attacks within properly encrypted traffic. Proxy Server: Proxy server is a server (a computer system or an application program) that acts as a go-between for requests from clients seeking resources from other servers. A client connects to the proxy server, requesting some service, such as a file, connection, web page, or other resource, available from a different server. A proxy server has two purposes: (1)To keep machines behind it anonymous (mainly for security).(2) To speed up access to a resource (via caching). It is commonly used to cache web pages from a web server. Patch Management: The patch management process, introduces a high degree of accountability and discipline to the task of discovering, analyzing, and correcting security weaknesses of Operating System. The vendors of Operating systems, periodically releases the updates for operating system or the browser, which can be applied as a patch to the existing operating system or Browser. Encryption: The process, which, with the use of mathematical algorithms, transforms a message into an incomprehensible data, is called encryption. It is used to protect data in transit over the networks from unauthorized interception and manipulation. It can also be used to verify authenticity of a transaction or document. Decryption: It is the reverse of encryption. It brings the data into its normal form, where it can be used. Digital signatures: It is electronic signatures of a person in relation to a record in electronic form. It generated by transformation of the electronic records using cryptography and a hash function. It can ensure authentication, integrity, nonrepudiation etc. . Public-Key Infrastructure: The infrastructure that supports the implementation and operation of certificate based key cryptographic system is called PKI. It uses pairs of asymmetric keys that comprise a private key and a public key. MISC TERMS IN COMPUTERS Digital Certificate (DC): A DC essentially consists of public key certification information, with information of the user such as name and ID . Hacking: Hacking means knowingly or intentionally concealing, destroying or altering or causing another, to destroy or alter any computer code used for a computer programme or computer system or computer network. Hacking has been made an offence as per the Information Technology Act 2000 and one will have to pay a fine upto Rs 2 lacs or undergo imprisonment upto 3 years for hacking. IT Act 2000: Electronic commerce (eCom), online transactions and digital signatures are legally valid in India wef 18/10/2000 as a result of Govt's notifying the rules under IT Act 2000. The act has legalized the electronic contracts to make them legally enforceable. The law also provided that keeping of electronic records will be tantamount of keeping of physical records for the purpose of compliance of any law. The act also provides for penalties to a person who accesses the computer without the permission of owner, copies or extracts any data, introduces computer virus, causes disruption to any
40 computer system, denies access to any person authorised to access any computer etc. The person shall be liable to pay damages by way of compensation not exciding Rs 100 lacs. Magnetic Ink Character Recognition (MICR): On insertion of the instrument in the machine, the printed information, made up of magnetic material, is read by the machine without punching the data. The code line on an MICR instrument is having a width of 5/8" and is divided into 5 fields (i) The cheque number in 6 digits; (ii) " City, Bank and Branch code in 3 digits each; (iii) Account number in 3 digits; (iv) Transaction code in 2 digits (v) amount in 13 digits. . Personal Identification Numbers (Pin): These are secret numbers written on plastic money Cards with magnetic means and on insertion of the card into an ATM the machine enquires about PIN and the machine allow operation only on typing the correct PIN. Very Small Aperture Terminals (VSAT): It works with the help of satellite and uses small antennas with variable sizes working like earth stations. The terminals can exchange and transmit information through a larger earth station which is called Hub Station having a larger size antenna. VSATs ,are being made use of in banking, stock exchange, corporate networking, weather forecasting, international service, reservation etc. COMPUTER GLOSSARY Abort:-Halting a Job due to some error in operations. ALU:-Arithmetic and Logic Unit ASCII(American standard code for information interchange) :- The ASCII character set is the most popular one in common use. Authentication: Refers to the set of processes by which a user’s identity is verified on a network or standalone machine to ensure that the user is authorized to have access to the resources he or she requested. Backup:The process of creating duplicate data. BASIC:-Beginners All Purpose Symbolic Instruction Code. A general purpose computer programming language. Bandwidth: The data-carrying capacity of a network. It is usually expressed in bits per second, bytes per second or cycles per second. baud : A measure of communications speed, used typically for modems indicating how many bits per second can be transmitted. Bluetooth:A wireless computing and telecommunications specification that defines how mobile personal computing devices work with each other and with regular computer and phone systems, within a close range. Bug: An unintentional fault in a program that causes action neither the user nor the program author intended. BIOS:An acronym for basic input/output system. The BIOS is built-on software that determines what a computer can do without accessing programs from disks. It stores the booting instructions. Boot Sector: An area located on the first track of floppy disks & local disks that contain the boot record. Boot:-To start a computer is called booting. Byte:-A set of 8 bits which together represent one character Cookie: Cookies are blocks of text placed in a file on your computer’s hard disk. Web sites use cookies to identify users who revisit the site. Cursor:-A small line which flashes on the computer screen. DBA:- Data Base Administrator De-bugging:- Looking for and correcting mistakes in a program. Ethernet: A protocol for local area networks (LANs) that uses twisted-pair or coaxial cables and CSMA/CD (Carrier Sense Multiple Access with Collision Detection),a method for sharing devices over a common medium. Ethernet runs at 10 Mbps; Fast Ethernet runs at 100 Mbps. Ethernet is the most common type of protocol used in LANs. FTP: File Transfer Protocol. This protocol is used to copy files between computers, usually between a client and an archive site. Firewall: Firewall prevents computers on a network from communicating directly with external computers systems. A firewall typically consists of a computer that acts as a barrier through which all information’s passing between the networks and the external systems must travels. Gateway:A server that acts as an intermediary for some other server. Unlike a proxy, a gateway receives requests as if it were the origin server for the requested resource; the requesting client may not be aware that it is communicating with a gateway. Hacking: Gaining access to someone else’s user id and password and using the same surrreptiously and unauthorisely, in secured computer network environment, for ulterior and often illegal purposes. It is akin to accessing someone else’s property without permission. HTTP (Hypertext Transfer Protocol): The protocol used for transfer of hypermedia documents used in Internet. HTML (Hypertext Markup language) :A simple hypertext publishing language based on the ASCII standard. This document-encoding scheme is used for resources published on servers on the World Wide Web. Hub: A hardware device that serves as the junction where individual PCs and/or other network devices connect to each other. Hubs may be connected to increase the number of available ports. Hyperlink: The ‘clickable’ spots in an HTML document. Hyperlinks can be clicked by the viewer to cause a jump to another document or resource on the same or another Web server.
41 LAN:-Local Area Network Login:-When computers are linked through a network, login helps in entering into the computer Logout:- Reverse of login. It breaks the connection between computer and the user. Loop:-Repetition of a group of instructions in a routine. Intranet: An intranet is a restricted-access network that works like the web but isn’t on it. Usually owned and managed by a corporation, an intranet enables a company to share its resources with its employees without confidential information being made available to everyone with Internet access. Internet: A conglomeration of networks that are connected together, forming a worldwide network. It uses the TCP/IP protocol as its backbone. Interface:- An electronic device that changes computer signals into a form that other electronic equipment can use. IP Address:Internet Protocol address. This address is a 32-bit, unique string of numbers that identifies a computer, printer, or another device on the Internet. The IP address consists of a quartet of numbers separated by periods. Each number can be anything from 0 to 255, for example, 128.128.130.4. Leased Lines: A communication channel leased for exclusive use from a common carrier. It is frequently referred to as a private line. Menu:-A list of alternative actions/commands displayed on the screen for selection by the user MODEM:- A device that convert computer signal into a form that can be transmitted over the telephone lines and vice versa(Analog to digital ).It is short for MODulatior and DEModulater. Motherboard: The principal assembly in a computer, includes the core logic (chipset), interface sockets and/or slots, and input/output (I/O) ports. PIN: Personal Identification Number – usually four digit - used as a password while transacting at ATMs or through PIN based credit/ debit cards at merchant locations Ping :In the computer world, ‘ping’ is a program that ‘bounces’ a request – in other words, sends a packet – over the Internet to another computer to see if the remote computer is still responding. If the ping returns, the remote computer is still connected. Port:In networking, a server’s various functions, such as managing FTP traffic or maintaining the DNS list, are each assigned a virtual address called a port. Any requests for that function are sent to the port address. Patches:- Are applied on a software programme to resolve software bugs. Peripheral devices:- Input ,Output and Storage devices which are connected to CPU of computer and are controlled by computer. Protocol: Because so many different types of computers and operating systems connect via modems or other connections, they have to follow communications standards called protocols. Proxy server:A system that caches items from other servers to speed up access. On the Web, a proxy first attempts to find data locally, and if it’s not there, it fetches it from the remote server where the data resides. Router:A network device that transfers data packets from one network/computer to another. Routers also act as traffic cops, allowing only authorized machines to transmit data into the local network so that private information can remain secure. In addition, routers handle errors, keep network usage statistics, and handle security issues. RJ-45:Registered Jack 45. RJ-45 connectors look a bit like standard phone connectors (RJ-11) but are twice as wide, with eight wires. RJ-45s are used for hooking up computers to LANs or for phones with lots of lines. Registry: The registry is a database used by the windows32 (Win9x/ME/NT/2000/xo) operating system to store configuration settings. Switch: A device in a network that selects the path that a data packet will take to its next destination. The switch opens and closes the electrical circuit to determine whether – and where – data will flow. SMTP( Simple mail transfer protocol): The Internet e-mail delivery format for transmitting e-mail messages between servers. SIM:- Subscriber Identification Module SPNS:- Shared Payment Network System. Spam: Spamming is the word used for the use of any electronic communication medium to send unsolicited messages in bulk. Spyware: A program that gathers information and can be ‘silently’ installed and run in “stealth” mode. This is a software which gathers information from the user’s machine, such as recorded keystrokes (passwords), a list of web sites visited by the user, application installed on the machine, the version of operating system, registry settings and so on. TCP/IP (Transmission Control Protocol/Internet protocol):The Internet protocol is connectionless protocol that provides packet routing. TCP is connection oriented and provides reliable communications and multiplexing. This is a standard for routing and data transfer around the world. USB (Universal Serial Bus):A medium-speed interface typically used for mice, keyboards, scanners, and digital cameras. UPS (Uninterrupted Power Supply):Hardware used for safeguarding computer systems against sudden power failure or voltage fluctuations, thus ensuring uninterrupted power supply to them. Hence, the name. URL (Uniform resource locator):A method for specifying the exact location of an Internet resource – typically a file – and the network protocol necessary to retrieve and interpret the resource. For example, http://www.pnbindia.com points to
42 the home page of our bank on the Web, and the ‘http’ indicates that the HTTP protocol is necessary. The file provided upon using this URL – that is, what you see when you make a request from your browser . VGA (Video Graphic Adaptor):The interface from the video card or integrated video connector to display monitor. Web Browser: A program that retrieves HTML documents from Web servers and formats them for display. A browser can also interpret hyperlinks within an HTML document, and use them to navigate from one HTML document to another. Microsoft Internet Explorer, Netscape Navigator and Mozilla Firefox are examples of Web browsers. Web Server:A computer that delivers or serves up Web pages. Every Web server has an IP address and possibly a domain name. For example, if you enter the URL http://www.pnbindia.com in your browser, this sends a request to the server whose domain name is pnbindia.com. WWW:The World Wide Web, or simply the Web. The Web, which was invented by physicist at the European Community’s particle physics research center CERN, is more a conceptual construct than a physical entity. All the web servers on the Internet, taken together, constitute the WWW, but there is no central administration.
Computer Objectives Set-1 1) The term EFT means: A) Electronic foreign transfers B) Electronic financial transfers C) Electronic funds transfer D) Electrical funds transfer 2) What is “Firewall “ in a computer? A) It protects the computer from E-mail viruses, B) It protects the memory of the computer from being burnt by fire. C) It protect the Hard disk form electricity shocks during operations. D) It protect computer from internet hackers and un-authorized instructions 3) A flaw in a program that causes it to produce incorrect or inappropriate results is called a ---A) Byte B) Attribute C) Unit Problem D) Bug 4) What is Web cookies A) It keep tracks on web sites B) These are hackers on the web C) A name of virus D) A name of password 5) The term ‘TCP/IP’ stands for – A) Transmission Control Protocol/Internet Protocol B) Transit Control Protocol/Internal Protocol C) Transfer Concept Protocol/Intermediate Protocol D) Transit Concept Protocol/Interval Protocol 6) What is “De-bugging” A) Name of an anti-virus software B) A technique used by hackers to steal information from a computer C) A technique used by software professional to detect virus in software. D) A term which is used for looking for and correcting mistakes in a computer programee. 7) In search Engine all searches are done by? A) Search Directory B) Search Disk C)Memory unit D) Search light 8) “Buy Now – Pay Now” is commonly used for --A) Debit Cards B) Vault Cards C) Credit Cards D) E-purse 9) In a Computer System, the security is important for which of the following reasons? A) To save data B) To procure data C) To secure data D) To service data E) None of the above. 10) Bio-matrix relates with? A) Character recognition B) Finger recognition C)Face recognition D) Voice Recognition 11) The primary communication protocol on Internet is -A) IPX B) NETBIOS C) TCP/IP D) EPBX 12) WLL means: A) Wireless in Local Loop B) Worthless limited liability C) Working land Liability D)Wireless Limited Liability 13) CBS system is : A) One tire, B) Two tire, C) Three tire D) Four tire 14) Virus in a computer general comes from: A) E-mail B) Environment C) Electricity connection D) Person operating the computer 15) Smart Card is – A) Special purpose Cards B) Microprocessor Cards C) Processing unit contains memory for storing data D) Processing unit for software handling 16) Which of the following can be considered as part of the batch of the batch proceeding system? A) RTGS B) Salary payrolls C) Airlines reservations D) Railway reservations 17) What is Rescue Disk? A)It protects the computer from electric shocks,B)It protects the computer from virus C)It protects the memory unit of Hard disk
43 D) It protects application software from unauthorized users. 18) The resolution of the computer screen is determined by which of the following: A) The color B) the memory C) the pixels D) the processor speed E) none of the above 19) What is Disaster Recovery Center? A) Recovery center for Retail Loans B) Recovery center for chronic NPAs C) A computer back up center D) A cash backup center 20) What is the best method to secure data of a computer? A) Protection from Virus B) General Cleanness of Computer C) Regular backup of data D) Regular power supply to a computer 21) The term CHIPS is the abbreviation of which of the following: A) Center hub for interbank payment system B) Center of high interbank payment system C) Clearing house for interbank payment system D) Center for high international payments 22) Which part of the computer takes care of data storage? A) Storage bin B)Storage unit C) Arithmetic Logic Unit D)Central processing unit 23) The word “FTP’ stands for ----A) File Translate Protocol B) File Transit Protocol C) File Typing Protocol D) File Transfer Protocol 24) Which of the following takes care of processing of the information in a computer system: A) ALU B) CPU C) Storage unit D) Control unit 25) Which of the following terms describes the computer programs better: A) Hardware instruction B) Input devices C) Output device D) Software. 26) Which of the following devices is used for reading an answer sheet by means of light: A) OMR 2) MICR C) OCR D) CHIPS 27) RSA stands for the following three scientists – A) Rivest, Shamir and Adleman B) Ronallad, Sussan and Assamann C) Rueppel, Selfridge and Albert D) Regis, Schroeer and Anderson 28) Which of the following is the part of binary number system: A) ABC B ) a1035 C) 160 D) 1010 29) When a person speaks into a microphone the technology that converts the sound waves into an electronic signal and passes it to a computer is called: A) Speech technology C) Voice technology D) Speech recognition technology B)communication technology E) information technology 30)A bootable disk is a devices whose function is to : A) Load OS into RAM B) Load any software into storage unit C) Load Application program to HDD D) A floppy disk of a very special kind 31) A result of a computer virus cannot lead to ---A) Disk Crash B)Mother Board Crash C)Corruption of program D)Deletion of files 32)The term booting is used in connection with which of the following: A)Activate of the computer B) Activate of internet C) Activate of the Smart card D) Activate of ATM 33) A MODEM is connected in between a telephone line and a ----A) Network B)Computer C)Communication Adapter D)Serial Port 34)Which of the following determines the speed of the computer system: A) Physical size of the computer unit B) Physical size of the hard disk C) Capacity of the Microprocessor D) Speed of the monitor 35) Threats of physical damage to the hardware is from ----A)Employee B)Power Fluctuations C)Electro Magnetic Effects D) Magnetic Devices 36) The terms ISP means which of the following: A) Internal services provisions B) Internet service process C)Internet service provider D)Interesting service process 37)A collaborative network that uses Internet Technology to link business with their suppliers is --A)Internet B)Intranet C)Extranet D)WAN 38) Which one of the following hardware in a computer helps in permanent storage of data in a computer: A) Floppy disk B) Compact disk C) Hard disk D) all of the above 39) Internet is ---A) Network of LAN B)Network of ATMs C)Network of ALPMs D)Network of Networks 40)To which of the following aspects the term booting relates to the context of computer? A) Sending of E-mail through internet B) Starting of a computer for the purpose of carry in on operations, C) bringing out the data from various files of a computer. D) bringing out the printer 41)Which Day is celebrated as Computer Literacy Day? A) 2 Dec B) 10 Dec C) 20 Dec D) 30 Dec E) None of the above 42) When some data is fed into computer for the purpose of processing or storage, it is called?
44 A) Input B) output C) Input device D) out put device 43) The term ‘HTML’ connotes – A) Hyper Text Markup Language B) Hyper Transcription Markup Language C) High Text Markup Language D) High Terminal Markup Language 44) Which of the following is the computer network run by RBI: A) SWIFT B) INFINET C) I-NET D) Internet 45) Bio-metric Recognition does not include – A) Finger Print and Palm Print B) Voice Print and Eye Retina C) Hand Geometry and Typing Rhythm D) Body Print and Head print 46)For transfer of money internationally or carrying financial transactions world-wide , which network is very commonly used: A) Internet B) INFINET C) SWIFT D) NICNET 47) “Buy Now – Pay Later ” is commonly used for --A) Debit Cards B)Vault Cards C)Credit Cards D)E-purse 48)Transmission of message through a telecommunication system by use of computer is called: A) Internet telephony B) Chatting C) E-mail D) all the above 49)The technique is used to produce a “fingerprint” of a message as a part of digital signing – A) Scrambling B)Extracting C)Hashing D)Condensing 50) A computer virus is: A)A hardware problem with the computer B) A software problem with the computer C) A programme written with malicious intention D) Hacking of a web-site ANSWER 1 C 2 D 3 D 4 A 5 A 6 D 7 A 8 A 9 C 11 C 12 A 13 C 14 A 15 C 16 B 17 B 18 C 19 C 21 C 22 B 23 D 24 B 25 D 26 A 27 A 28 D 29 D 31 B 32 A 33 B 34 C 35 B 36 C 37 D 38 D 39 D 41 A 42 A 43 A 44 B 45 D 46 C 47 C 48 C 49 C
of the following
10 20 30 40 50
D C A B C
Computer Objectives Set-1I 1. A passive threat to computer security is ----A) Malicious Intent B) Sabotage C) Accidental Errors D) Espionage Agent 2. SFMS stands for: A) Structural fex message system B) Standby financial message system C) Structured Financial Messaging System D) Structured financial messaging solutions 3. The Right to Information act came into force in the country from: A) 12/10/05 B) 10/10/05 C)30/10/05 D) None of the above. 4. SWIFT means: A) Society for worldwide inter bank financial telecommunication B) Word web internal financial transaction C) System for world and international financial transactions D) Storage of words and information technologically 5. Which type of the following software is used by a person for preparation of documents: A) Data processor B) word processor C) Compiler D) Multimedia 6. Digital signature means: A) A coded confirmation in electronic form attached to an electronic record B) A coded signatures with digital lock(password) C) Electronic signatures which are partly in digits and partly in words D) Signatures scanned on a computer 7. Open Systems Interconnection (OSI) Model consists of ---A) 5-layers B) 6-layers C) 7-layers D) 8-layers 8. Which one of the following networking system will be used by an organization having office in one building? A) Broader area network, B)Local Area Network C)Wide Area Network D) In land area network 9. The following cannot be done by virus --A) Loss of Data B) Deletion of File C) Physical Damage to Keyboard D) Corruption of Program 10.To run a computer, which of following programme is required? A) Language programme B) Utility programme C)Application Programme D) Operating system programme 11. Memory Management through ‘Paging’ is controlled by – A) OS B) CPU C) RAM D) ROM 12. Which of the following is the system that makes image processing for inter-bank payment purpose? A) Electronic clearing system B) Real time gross settlement C) Cheque truncation D) Electronic funds transfer 13. Smallest storage unit of a computer is ---
45 A) Bit B) Byte C) Nibble D) Pixel 14. Which is the following is the main brain behind an automated teller machine (ATM) A) Hard disk, B)Processor C)Interpreter Output device D)central calculation unit 15. Which of the following is not true for Real Time Gross Settlement (RTGS)? A) It is based on credit push system of transfer of funds. B) The settlement will be on a gross settlement basis and every transaction will be accounted for on a real time basis. C) RBI will provide intra day liquidity on a fully collateralised basis. D) It will be a paperless system under RTGS funds can be transfer from one RTGS enabled branch to another RTGS branch with a maximum duration of 2 hours. E) None of the above 16. The term BIOS represent which of the following: A) Basic input and output system B) Base input outward system C) Basic input output standard D) Basic inward outward standard 17. What is "Giga Bites Trillion": A) A measurement unit of capacity of a Computer B) A measurement unit of speed of light C) A measurement unit of speed of water D) A measurement unit of solar system 18. The device that converts the digital signals to analog signals and vice versa is called A) Central Processing unit B)Modem C)FAX D) Compact disk 19. The network interface card of LAN is related to following layer of OSI Model --A) Transport B) Network C) Data Link D) Physical 20. The term WWW used for which of the following: A) World wide web B) world wise web C) web world wide D) wide world web 21. A collection of raw facts is called -----A) Output B) Information C) Bits D) Data 22. The term CAD in the context of use of computer mean: A) Computer application design B) Computer aided design C)Computer appraised data D)Computer assisted debit 23) HTML tag -----A) B) D)dir 24)The rate at which the transfer of data takes place is measured in terms of which of the following: A) Mbps B)bpbs C) kilobytes D) Gigabytes 25) “Worms" are related with A) Computer Software B) Computer Hardware C)Computer Security D) Computer Virus 26) Who among the following has set up the network NICNET: A) DOT B)National Informatics Center C)BSNL D) CMC limited 27) Firewalls are used to protect against ---A) Unauthorised Attacks B) Virus Attacks C) Data Driven Attacks D)Fire Attacks 28) IDBRT stands for which of the following: A) Institute for development and research in banking technology B) Institute for development and research in business technology C) Institution of development and research in banking technology D) Institution for development of rural banking technology 29) Adobe Page Mill is ---A) Browser B) Authoring Tool C)Workflow D) Scripting Language 30) The device that connects the computer with a telephone line and helps in modulation and demodulation: A)UPS B) Modem C) Plotter D) CPU 31) The physical parts of a computer are known as : A)Software B) Hardware C) Shareware D) fixed ware 32) The ------ directory is mandatory for every disk A) Root B) Base C) Sub D) Case 33) The software that consists of all the programs languages and documents supplied by the manufacturer of the computers is called: A) application software B)System software C)utility software D)a and c 34) The application software is the software that is: A) supplied by the computer manufacture B) used by the computer manufacture C) developed by the user for a specific functions D) developed by the manufacturer for manufacturing purpose. 35) ‘Multiplexing’ means – A) a technique to enable more than one signal to be sent simultaneously over one physical channel B) a technique to enable one signal over one channel C) a technique to enable one signal over many channels D) a technique to enable one signal over multiple channels
46 36) The term B2B in the context of trade is used in connection with : A)Banking transactions B)Education facilities C)social work D) E-commerce transactions 37) The CPU (Central Processing unit) consists of A) Input, output, and processing B)control unit ,primary storage, and secondary storage C) Control unit , arithmaetic-logic unit and primary storage D) Input ,processing and storage 38) Which of the following service is not provided under tele-banking service by banks: A) Information about balance B) Information about limited no. of previous transaction C) Issue of cheque books D) Request for sanction of overdraft 39) Payroll System is essentially – A) Online B) Batch Processing C) Real Time D) Transaction processing 40) Which of the following Act gives legal recognition to a digital signature. A) Negotiable Instrument Act B) Income Tax act C) Information Technology Act D) Indian Evidence Act 41) ___________ is the product of data processing. A) Data B) Information C) Software D)A computer 42) The term VSAT stands for which of the following: A) Variable small aperture terminal B)Very small available terminal C) Very small aperture terminal D) Variety of small aperture terminals 43) Software instructions intended to satisfy a user’s specific processing needs are called_________. A) System software B) A microcomputer C) Documentation D) Application software 44) A computer program which could infect the other programs or data is called: A) System software B)Application software C) cyber crime D) Virus 45)The precaution of testing the computer security procedures and identification of lapses before the banking operation is put to risk is known as: A)Computer configuration B) Deciphering C) Computer audit D) Computer repair 46)The electronic process that makes simultaneous use of sound, video and test : A)Animation B) Digitalization C) Multi-function device D) Multimedia 47) As a general rule while entering 'pass ward' in computer under CBS system, which one of the following is not necessary? A) Password should be a minimum of 7characters in length, B) A password should be mix of alphanumeric & special characters C) A password should be memorized easily. D) All the above are necessary 48) The term OCR means which of the following : A) Open character recognition B) Optical character recognition C) Optical change reaction D) Opposite change recognition 49) A leased line can transmit – A) Only Data / Text B) Only Voice C) Only Video D) All the above 50) The device that converts an image into electronic form by shining and sensing the intensity of the reflection at every points: A) Bar code B) Light pens C)Scanners D) Touch screen 51) Which of the following is not true of primary storage? A) It is a part of the CPU B) It allows very fast access to data C) It is relatively more expensive D) All of the above are true. 52) What is “Phishing” A) A computer virus that destroys the financial data B) Name of a computer software company that develops anti virus software C) Name of an anti virus programme recently developed by Microsoft D) A form of social engineering attack used by cyber criminals to steal sensitive information 53) All of the following are example of input devices except: A) Com (Computer output Micro film) B) MICR C) Optical scanners D) Voice –recognition devices 54) What is John Shephard Baron’s contribution to Banking , the idea of which struck him as he stretched out in his bath after a long wait at the bank counter? A) Credit Card B) Debit Card C) ATM D) Master Card 55) The ascending order of a data hierarchy is: A) bit-byte-record-field-file-database B) byte-bit- field -record-file-database C)byte-bit- field -file-record-database D) bit-byte- field -record-file-database 56) In a computer software , the term ‘morphing ‘ refers to which of the following: A) Animation technology in which one image is gradually turned into another . B) Data conversion technique by way of use of codes, C) Conversion of digital picture to analog images D)A softer that saves a network form intrusion,
47 57) For scientific applications most useful language is – A) COBOL B) FORTRAN C) SQL D) HTML 58) A software that restricts the access to and from a network and is designed to protect from outside intrusion is called A) Firewall technology B) Network Protection technology C) Virus protection technology D) Total protection technology 59) ----- means the altering of computer system software to achieve a task for which it was not originally designed A) Pegging B) Hacking C) Trekking D) Breaking 60) Committee for computerization in Bank: A) Rangarajan Committee -1984 B) Rangarajan Committee (Second)-1989 C) Saraf Committee – 1993 D) Vasudevan Committee-1998 E) All of the above. ANSWERS 1 D 2 C 3 B 4 A 5 B 6 A 7 C 8 B 9 C 10 D 11 A 12 C 13 A 14 B 15 E 16 A 17 A 18 B 19 D 20 A 21 D 22 B 23 A 24 A 25 D 26 B 27 A 28 A 29 D 30 B 31 B 32 A 33 C 34 C 35 A 36 D 37 C 38 D 39 B 40 C 41 B 42 C 43 D 44 D 45 C 46 D 47 D 48 B 49 D 50 C 51 D 52 D 53 A 54 C 55 D 56 A 57 B 58 A 59 B 60 E
