Q46. Which are the banks covered under the Banking Ombudsman Scheme, 2006?
1) Public Sector Banks
2) Private Sector Banks
3) All Scheduled Commercial Banks, Regional Rural
Banks and Scheduled Primary Co-operative Banks
4) New generation private sector banks
Q47. In international factoring, generally how
many factors are there?
1) One factor
2) Two factors
3) Three factors
4) Four factors
Q48. The services of contract of bailment is
created in (bailor-bailee) -----
1) Keeping articles in safe custody with bank
2) Demand draft issued by bank
3) Safe deposit locker
4) Cash deposited with cashier by customer
Q49. What is the effect of ‘non negotiable’
crossing?
1) The cheque loses its negotiable character
2) The cheque becomes ineligible for payment
3) Endorsee fails to get a better title than what
the prior endorser has
4) It is equivalent to a special crossing
Q50. Provision Coverage Ratio (PCR) is the ratio
of provisions to -----
1) Gross assets
2) Gross reserves
3) Gross B/S size
4) Gross non-performing assets
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