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Shekhar Rao
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విద్యా సంస్థలు ఎప్పుడు తెరుద్దాం?
సాక్షి, హైదరాబాద్: కరోనా థర్డ్ వేవ్ కారణంగా మూతబడిన విద్యాసంస్థలను తిరిగి ప్రారంభిం చాలన్న డిమాండ్పై రాష్ట్ర ప్రభుత్వం తర్జనభర్జన పడుతోంది. స్కూళ్లు, కాలేజీలను తెరిస్తే వచ్చే ఇబ్బందులపై ఆరా తీస్తోంది. ఈ మేరకు విద్యా, ఆరోగ్య శాఖల నుంచి రాష్ట్ర ప్రభుత్వం నివేదిక కోరినట్టు తెలిసింది. ఆయా విభాగాల అభిప్రాయాలకు అనుగుణంగా సర్కార్ నిర్ణయం తీసుకోవచ్చని అధికార వర్గాలు భావిస్తున్నాయి. కోవిడ్ తగ్గుముఖం పడితే, తల్లిదండ్రులు తమ పిల్లలను పంపడానికి సుముఖంగా ఉంటే వచ్చే నెల 5 నుంచి స్కూళ్లను తెరవాలని ప్రభుత్వం యోచి స్తోంది. తాజా పరిస్థితిపై ఆరోగ్యశాఖ మంత్రి హరీశ్రావు వైద్య అధికారులతో సమీక్ష జరిపినట్టు సమాచారం. రాష్ట్రంలో కోవిడ్ వ్యాప్తి కొనసాగు తున్నా దాని ప్రభావం స్వల్పంగానే ఉందని వైద్య అధికారులు తెలిపినట్టు తెలిసింది. థర్డ్ వేవ్ ప్రభావం తగ్గితే యథావిధిగా విద్యాసంవత్సరం ముగించాలని విద్యాశాఖ భావిస్తోంది. ఒకవేళ సెలవులు పొడిగించాల్సి వస్తే పరీక్షల షెడ్యూల్లోనూ స్వల్ప మార్పులుండే అవకాశముందని చెబుతున్నారు. విద్యా సంస్థలు తిరిగి తెరవాల్సి వస్తే స్కూలుకు రావాలంటూ బలవంతం చేయకుండా, ప్రత్యక్ష బోధనకుతోడు ఆన్లైన్ బోధనా కొనసాగించాలని భావిస్తున్నారు. మరో రెండు రోజుల్లో విద్యాసంస్థలను తెరవడంపై స్పష్టత వచ్చే అవకాశముంది. విద్యాసంవత్సరం పొడిగించాలి: వై.శేఖర్రావు (ట్రస్మ అధ్యక్షుడు) కోవిడ్ నేపథ్యంలో సెలవుల పొడిగింపు వల్ల విద్యాబోధన కుంటుపడింది. ఆన్లైన్ విద్యాబోధన చేపట్టినా అది అన్ని స్థాయిల్లోకి వెళ్లడం కష్టంగానే ఉంది. ఇప్పటికే ఏ క్లాసులోనూ సిలబస్ పూర్తవ్వలేదు. ప్రత్యక్ష బోధన చేపట్టినా, విద్యా సంవత్సరాన్ని మే నెల వరకూ పొడిగిస్తేనే సిలబస్ పూర్తి చేయడం సాధ్యమవుతుంది. -
నికర వడ్డీ ఆదాయం అంటే ఏమిటి?
1. When the objective is to follow the best practices to conduct the affairs of a company or bank in a transparent manner for giving fair deal to all the stake holders, this is called: a) Implementation of prudential guidelines b) Organizational restructuring c) Corporate governance d) Corporate restructuring e) Autonomy 2. A banking system under which the banks are to raise low cost funds and invest such funds in low risk assets such as govt. securities, is known as: a) Narrow banking b) Universal banking c) Rural banking d) Risk management banking e) Asset liability management banking 3. When Reserve Bank injects liquidity in the monetary economy of the country, this is done through which of the following mechanisms? a) Increase in CRR b) Repo c) Increase in SLR d) Change in bank rate e) Liquidity adjustment facility 4. ESOP stands for: a) Efficient servicing of promises b) Employees' service option projects c) Employees stock option plan d) Effective system of projects e) None of the above 5. Interest rate on a debt security (say Govt. bonds) which issuer pays to holder till maturity: a) Interest b) Yield c) Floating rate d) Coupon rate e) None of the above 6. Branches of banks distribute to their customers as corporate agents, insurance products of other insurance companies, which is called: a) Underwriting business b) Banc assurance c) Referral business d) Any of the above e) None of the above 7. The temporary loans that are allowed by RBI to Govt. from time to time to meet the mismatch position are called: a) Treasury bills b) Dated securities c) Ways and means advances d) Adhoc treasury bills e) None of the above 8. Narrow money is the term in monetary aggregates which represented by: a) M1 b) M2 c) M3 d) M4 e) None of the above 9. In ____ banking, the banks offer all types of financial services to expand their business that include high risk products and medium risk products also: a) Retail banking b) Universal banking c) Wholesale banking d) Narrow banking e) None of the above 10. When an existing non-profit org-anization is converted into a for-profit company, the process is called: a) Dematerialization b) Demutualization c) Re-materialization d) Re-mutualization e) None of the above 11. A ____ is a financial contract between two parties to exchange interest payments for a 'notional principal' amount on settlement date, for a specified period from start date to maturity date a) Interest rate swap b) Forward rate agreement c) Interest rate future d) Foreign exchange forward e) None of the above 12. What is meant by the term rev-erse REPO out of the following: a) Injecting liquidity by the Central Bank of a country through purchase of govt. securities b) Absorption of liquidity from the market by sale of govt. securities c) Balancing liquidity with a view to enhance economic growth rate d) Improving the position of availability of the securities in the market e) None of the above 13. When an unlisted company issues fresh securities for the first time, it is called: a) Initial public offering b) Rights issue c) Follow-on public offering d) Bonous shares e) None of the above 14. Process of artificially increasing or decreasing prices of security a) Inside a trading b) Circular trading c) Price rigging d) Any of the above e) None of the above 15. The term broad money is known as a) M1 b) M2 c) M3 d) M4 e) None of the above Note: Narrow money (M1) = curren-cy with the public + demand deposits with banking system + other deposits with the RBI Broad money (M3) = currency with the public + demand deposits with banking system + other deposits with the RBI + time deposits with the banking system 16. Gilt-edged market deals in a) Worn currency notes b) Bullion and gold c) Govt . securities d) Corporate bonds e) All kinds of capital market securities 17. The securities that are purchased by banks with the intension to ta-ke advantage of price movement or interest movement are classified as a) Held till maturity b) Available for sale c) Held for trading d) Fluctuating securities e) None of the above 18. What is the maturity period of treasury bills issued by Govt. of India. a) 14 and 91 days b) 91 and 182 days c) 14 and 182 days d) 91, 182 and 364 days e) None of the above 19. Ways and means advances of the central Govt. are payable within a period of a) 10 days b) 18 days c) 15days d) 20 days e) 14 days 20. The market for short term financial assets/ instruments, that are closed substitutes of money is called a) Money market b) Capital market c) Forex market d) Financial market e) None of the above 21. Under ___ market the funds are transacted by banks on an overnight basis a) Money market b) Call money market c) Notice money market d) Term money market e) None of the above 22. As per the prudent limit fixed by RBI in respect of outstanding borrowing transactions in call and notice money for participa-ting banks, the banks can borrow a maximum of _____ On any day, during the fortnight a) 110% of their capital fund b) 120% of their capital fund c) 150% of their capital fund d) 125% of their capital fund e) None of the above 23. The term Plastic Money relates to which of the following a) Credit card b) Prepaid phone card c) Plastic sheet notes d) Debit card e) None of the above 24. Which of the following statem-ent regarding amount of certific-ate of deposit is correct a) Minimum amount of 1 lakh and maximum amount of 1 crore b) Minimum amount of 1 lakh and maximum amount of 5 lakh c) Minimum amount of 1 lakh without any maximum but multiple should be of 2 lakhs d) Minimum amount of 1 lakh without any maximum but multiple should be of 1 lakh e) None of the above Note: certificate of deposits issued by banks can have a maturity period of 7 days to 12 months 25. What is the maximum ceiling on foreign direct investment (FDI) for investment in the equity of public sector banks in India a) 20 b) 26 c) 49 d) 51 e) 74 Note: FDI for investment in the eq-uity of private banks in India is 74%. 26. Listed companies are required to disclose their quarterly financial results with in ____ from close of the quarter a) 15 days b) 30 days c) 45 days d) 60 days e) None of the above 27. Which of the following extensi-on of abbreviation does not match a) BCSBI - banking codes and standards board of India b) KYC - know your consumer c) BFS - board for financial supervision d) BIFR - board for industrial and financial reconstruction e) None of the above 28. Banks are required to ensure that while preparing their annual branch expansion plan (ABEP), they should allocate at least ____ of the total number of branches proposed to be opened during a year in unbanked rural centers. a) 20% b) 25% c) 33% d) 40% e) None of the above 29. What is the Net Interest Income (NII) a) Difference of interest earned on assets and non interest income b) Difference of assets and liabilities c) Difference of interest earned on interest and on assets and interest paid on liabilities d) None of the above e) None of the above 30. When REPO rate is reduced by RBI it leads to a) Reduction of cost to borrowers on loans from banks b) Increase in cost of loans to borrowers from banks c) Reduction in cost of borrowing from RBI d) Increase in cost of borrowing b y banks from RBI e) None of the above 31. Which of the following interest rates is fixed by RBI and not left to the discretion of the banks concerned a) Saving bank deposit b) Export credit facilities c) NRE deposit accounts d) DRI advances KEY 1) c 2) a 3) b 4) c 5) d 6) b 7) c 8) a 9) b 10) b 11) b 12) b 13) a 14) c 15) c 16) c 17) c 18) d 19) a 20) a 21) b 22) d 23) a 24) d 25) a 26) c 27) b 28) b 29) a 30) c 31) c
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