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 Bank Interview Questions

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Q:

A decline in the real interest rate will

A) shift the investment schedule downward B) shift the investment schedule leftward
C) increase the amount of investment spending D) None of the above
 
Answer & Explanation Answer: C) increase the amount of investment spending

Explanation:

The real interest rate is the percentage increase in purchasing power that the lender receives on a loan. A decline in the real interest rate will increase the amount of investment spending.

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Q:

The interest-rate effect suggests that

A) an increase in the price level will increase the demand for money, reduce interest rates, and decrease consumption and investment spending B) an increase in the price level will increase the demand for money, increase interest rates, and decrease consumption and investment spending
C) a decrease in the supply of money will increase interest rates and reduce interest-sensitive consumption and investment spending D) an increase in the price level will decrease the demand for money, reduce interest rates, and increase consumption and investment spending
 
Answer & Explanation Answer: B) an increase in the price level will increase the demand for money, increase interest rates, and decrease consumption and investment spending

Explanation:

The interest-rate effect suggests that an increase in the price level will increase the demand for money, increase interest rates, and decrease consumption and investment spending.

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Q:

Which best describes the difference between stocks and bonds?

A) stocks allow investors to own a portion of the company; bonds are loans to the company B) stocks are more reliable investment;bonds tend to be more volatile
C) stocks allow investors to share in profits;bonds make investors responsible for company debts D) stocks pay interest to investors throughout the year; bonds only pay interest at fixed times during the year
 
Answer & Explanation Answer: B) stocks are more reliable investment;bonds tend to be more volatile

Explanation:
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Q:

Purchase return and allowances is a contra account

A) TRUE B) FALSE
Answer & Explanation Answer: A) TRUE

Explanation:

Purchase return and allowances is a contra account to purchases.

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Exam Prep: AIEEE , Bank Exams , CAT
Job Role: Analyst , Bank Clerk , Bank PO

0 1717
Q:

Which investment type typically carries the least risk?

A) Mutual funds B) Treasury bonds
C) Savings account D) Individual stocks
 
Answer & Explanation Answer: C) Savings account

Explanation:

Different types of risk exist in ivesting schemes depending on what you've invested in.

 

Savings accounts are generally regarded as the least risky investments as in this we just save our wealth for future expenses.

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Q:

In recording an accounting transaction in a double-entry system

A) there must always be entries made on both sides of the accounting equation. B) the amount of the debits must equal the amount of the credits.
C) there must only be two accounts affected by any transaction. D) the number of debit accounts must equal the number of credit accounts.
 
Answer & Explanation Answer: B) the amount of the debits must equal the amount of the credits.

Explanation:
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Q:

Transfer payments are included in

A) Government subsidies B) GDP
C) Both A & B D) None of the above
 
Answer & Explanation Answer: A) Government subsidies

Explanation:

Transfer payments are included in GDP and not in GDP.

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Q:

The internal rate of return is defined as the

Answer

The Internal Rate of Return (IRR) is defined as the measure of an investment’s rate of return. It is also called the discounted cash flow rate of return.

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Subject: Bank Interview Exam Prep: AIEEE , Bank Exams , CAT
Job Role: Analyst , Bank Clerk , Bank PO

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