NRB Assistant Director Pretest Set 3 – Officer Third

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Topic – Economy, Trade & Industry

1) When did Nepal became the member of the WTO?

  1. 23 April 2002
  2. 23 April 2004
  3. 23 April 2005
  4. 23 April 2006

Nepal became a member of the World Trade Organization (WTO) on April 23, 2004, as its 147th member.

2) The first industry established in Nepal is

  1. Biratnagar Jute Mill
  2. Raghupati Jute Mill
  3. Birgunj Sugar Factory
  4. Hetauda Cement Factory

Biratnagar Jute Mill, established in 1936, is recognized as the first large-scale, modern industry in Nepal.

3) If a firm or a nation desires to maximize its output, each productive assignment should be carried out by those persons who

  1. Have the highest opportunity cost.
  2. Have a comparative advantage in the productive activity.
  3. Can complete the productive activity most rapidly.
  4. Least enjoy performing the productive activity.

4) A 10% increase in the price of sugar reduces sugar consumption by about 5%. The increase causes households to

  1. Spend more on sugar
  2. Spend less on sugar
  3. Spend the same amount on sugar
  4. Consumer more goods like coffee and tea that are complements of sugar.

5) The difference between TC and VTC is ….. the difference between ATC and AVC is …

  1. MC, AFC
  2. AFC, MC
  3. TFC, AFC
  4. AFC, TFC

TC – VTC = TFC (Total Cost minus Variable Cost equals Total Fixed Cost)

ATC – AVC = AFC (Average Total Cost minus Average Variable Cost equals Average Fixed Cost)

6) When a person gets a flu shot, it reduces the probability that other people will get the flu. This is an example of 

  1. An external benefit
  2. An external cost
  3. Overproduction
  4. A public good

7) For complementary goods, the cross elasticity of demand is

  1. Positive
  2. Negative
  3. Zero
  4. Utility

For complementary goods, the cross elasticity of demand is Negative. This means that as the price of one good increases, the demand for its complement decreases, and conversely, if the price of one good decreases, the demand for its complement increases. Examples include printer ink and printers. 

8) When capital is fixed, and labour is increased, then production increases

  1. At an increasing rate
  2. At a diminishing rate
  3. At a constant Rate
  4. All of the above

9) When a lump-sum tax is levied on a monopolist, then

  1. The output remains unaltered
  2. The output goes up
  3. The output comes down
  4. Anything can happen

10) An indifference curve is

  1. Concave to the origin
  2. Convex to the origin
  3. A vertical straight line
  4. A horizontal straight line

11) Economic development and technological advancement are

  1. Negatively correlated
  2. Uncorrelated
  3. Positively correlated
  4. Linearly correlated

12) When marginal revenue is zero

  1. TR = 0
  2. AR is positive
  3. AR = 0
  4. None of these

13) Which of the following is the main characteristic of the perfect competition market?

  1. Homogeneity of the product
  2. Free entry and free exit of the firm
  3. Perfect knowledge of the economy
  4. All of the above

14) In a constant-sum or zero-sum game, what is true?

  1. What one player gains, the other loses
  2. Both players get equal gains
  3. Both players adopt the same strategy
  4. Mixed strategies are adopted by the players

15) Inequality of income distribution can be measured by

  1. The coefficient of variance
  2. Lorenz curve
  3. Gini coefficient
  4. All of the above

Know more about – measurement of inequality

16) Disposable income is obtained by

  1. Domestic income – direct taxes
  2. Personal income – direct taxes
  3. Private income – direct taxes
  4. Real income – direct taxes

Also – Disposable income = Consumption + Saving

17) Real national income divided by the size of the population is

  1. National income
  2. Disposable income
  3. Personal income
  4. Real per capita income

18) At the point of effective demand, the entrepreneurs earn

  1. Super normal profit
  2. Losses
  3. Normal profit
  4. Cost-expenditure

19) In Keynesian terms, investment refers to

  1. Buying existing stock and shares
  2. Substracting to capital
  3. Addition to capital
  4. None of the above

In Keynesian economics, investment means expenditure on newly produced capital goods (like machinery, buildings, inventories).

20) When the capital stock increases

  1. MEC increases
  2. MEC falls
  3. MEC remains the same
  4. None of the above

Keynesian सिद्धान्त अनुसार, जब पूँजी भण्डार (Capital Stock) बढ्छ, पूँजीको  Marginal Efficiency of Capital – MEC घट्छ।

मानौं, एउटा जुत्ता कारखाना छ:

  • पहिलो मेसिन किन्दा वर्षमा रु. 1,00,000 नाफा हुन्छ → MEC उच्च
  • दोस्रो मेसिन किन्दा नाफा रु. 70,000 मात्र हुन्छ
  • तेस्रो मेसिन किन्दा नाफा रु. 40,000 मात्र हुन्छ

मेसिन (पूँजी) बढ्दै गयो, तर प्रत्येक नयाँ मेसिनबाट आउने नाफा घट्दै गयो। यसैले MEC घट्यो।

21) Autonomous investment is 

  1. Income elastic
  2. Income inelastic
  3. Investment elastic
  4. None of the above

22) The secular stagnation hypothesis is attributed to

  1. A.H. Hansen
  2. Samuelson
  3. Baumol
  4. D.H. Robertson

A. H. Hansen अनुसार, लगानीका अवसर घट्दा अर्थतन्त्र दीर्घकालीन सुस्तीमा फस्नु नै सेक्युलर स्ट्याग्नेशन हो।

23) If the interest rate is expected to change in the future, what type of money demand will be affected?

  1. Speculative (लगानी गरेर नाफा कमाउन राखिएको पैसा, जुन ब्याज दरमा निर्भर रहन्छ )
  2. Transaction (दैनिक खर्च गर्न चाहिने पैसा)
  3. Precautionary (भैपरि आउने खर्च गर्न राखिएको पैसा)
  4. There will not be any effect on the money damaged

24) Income taxes……. the value of the multiplier

  1. Increase
  2. Decrease
  3. Do not change
  4. Sometimes increase, sometimes decrease

Keynesian explanation

  • Income tax बढ्दा disposable income घट्छ
  • disposable income घटेपछि consumption कम हुन्छ
  • consumption कम → multiplier सानो हुन्छ
  • Keynesian multiplier = 1/(1-MPC)

25) “Increase the quantity of money in a recession” is

  1. Monitarist feedback rule
  2. Monitarist discretionary rule
  3. Keynesian fixed rule
  4. Keynesian feedback rule

26) Suppose the tax decreases by 50 billion. If the MPC is 0.8, the value of equilibrium output increases by

  1. Rs. 40 Billion
  2. Rs. 80 Billion
  3. Rs. 160 Billion
  4. Rs. 200 Billion

Tax multiplier = -MPC/(1-MPC) x Change in Taxes 

Topic – Banking & Finance

1) Cash flow timeline is a ….. presentation of cash flows associated with different time cash

  1. Tabular
  2. Formula
  3. Graphic
  4. Linear

2) Use of higher debt capital increases the ….. of a firm

  1. Business risk
  2. Financial risk
  3. Interest rate risk
  4. Systematic risk

3) The …… presents the debt holders in dealing with the issuing company.

  1. Trustee
  2. Stakeholders
  3. Broker
  4. Investment Banker

4) Corporate securities are exposed to …… as compared to treasury securities.

  1. Maturity risk
  2. Inflation risk
  3. Default risk
  4. Political risk

5) In a lease arrangement, the owner of the property is called the

  1. Less
  2. Lessor
  3. Equity trustee
  4. Lender
  • Less – Not correct
  • Equity trustee → Related to trusts, not lease
  • Lender → Provides loan, not property owner
  • In a lease arrangement, the owner of the property is called the Lessor.

6) A portfolio consists of stock A and stock B with beta 0.8 and 1.5, respectively. If stock A consists of 80% investment in the portfolio, the portfolio beta will be

  1. 1
  2. 0.94
  3. 1.8
  4. 2.3
  • Formula  βp​=wA​βA​+wB​βB
  • Total weight = 1, wB=1−wA =1−0.8 =0.2

7) Common stockholders have several general rights, including all of the following except …

  1. Voting rights (शेयर धनिले भोट गर्न पाउँछ)
  2. Management rights
  3. Asset rights (कम्पनि खारेजीमा जाँदा बाकी रहेको सम्पतिमा आधिकार हुन्छ )
  4. Dividend rights (लाभांशमा अधिकार)

8) Share capital, reserves, and long-term borrowings by way of debentures and mortgages fall in

  1. Fixed capital
  2. Working capital
  3. Paid-up capital
  4. None

9) Full form of SWIFT

  • Society for Worldwide Interbank Financial Telecommunication

10) While issuing a safe deposit locker, the bank acts as

  1. Trustee
  2. Agent
  3. Pledge
  4. Debtor
  • Agent → Acts on behalf of the customer in transactions (not just safekeeping)
  • Pledge → Customer gives goods as security for a loan (not the case here)
  • Debtor → Person who owes money (not relevant)

11) The simultaneous buying and selling of forex positions to square off the exposed position if known as

  1. Bidding
  2. Asking
  3. Hedging
  4. None of the above
  • Bidding → Offering to buy at a price
  • Asking → Offering to sell at a price

मानौं, कम्पनी A ले अमेरिका बाट सामान खरिद गर्छ र 3 महिनामा 1,00,000 USD तिर्नुपर्ने छ।

  • अहिले 1 USD = 140 NPR छ।
  • कम्पनीलाई डर छ कि 3 महिनामा USD महँगो हुन सक्छ (मूल्य बढ्न सक्छ)।

Hedging कसरी गर्ने?

  1. कम्पनी आज USD किन्छ (Buy forward contract) → भविष्यको जोखिम रोक्न
  2. या, USD बेच्ने (Sell) र खरिद गर्ने (Buy) simultaneously → exposed position neutralize गर्न

यदि 3 महिनामा USD महँगो भयो, कम्पनीले पहिले नै किनेको rate मा तिर्न सक्छ → नोक्सान कम हुन्छ।

12) NRB’s role in trade is concerned with

  1. Credit norms
  2. Exchange control
  3. None of these
  4. Both 1 and 3

13) SENSEX is the stock exchange of 

  1. India
  2. Switzerland
  3. Ireland
  4. USA

14) A bond may be redeemed 

  1. At market value
  2. At par value
  3. At premium
  4. Both 2 and 3

A bond may be redeemed at par value or at a premium.

15) Which of the following is a tool of decision-making and problem-solving?

  1. Decision tree
  2. Operation research
  3. Simulation
  4. All of the above

16) The signature of the customer is verified through a device called

  1. Spanner
  2. Smart device
  3. Signature device
  4. Scanner 

17) Bern exchange is related to

  1. Belgium
  2. Switzerland
  3. Brazil
  4. Germany

18) The maximum number of shareholders in a public limited company in Nepal is 

  1. 101
  2. 51
  3. 100
  4. Unlimited

19) Calculating the present value of a future sum of money is known as 

  1. Compounding
  2. Yielding
  3. Discounting
  4. Hedging
  • Discounting → Calculating the present value (PV) of future money.
    • It answers the question: “How much is a future amount worth today?”
  • Compounding → Calculating the future value (FV) of a present sum. FV=PV×(1+r)n
  • Yielding → Refers to returns or income from an investment.
  • Hedging → Risk management strategy, not related to PV or FV.

20) Proof of physical import of goods is

  1. Bills of exchange
  2. Bill of export of Nepal invoice
  3. Bill of entry
  4. Bill of lading

21) The banker has a statutory obligation to

  1. Honor customer’s cheques
  2. Maintain the secrecy of the customer’s account
  3. Excercise loan
  4. Honour customers’ bills
  • Maintain secrecy of customer’s account → Yes, this is a legal obligation under banking laws (e.g., Nepal Rastra Bank directives and common banking law).
  • Honor customers’ cheques → This is a contractual obligation, not statutory.
  • Exercise loan → Banks have discretion; not a statutory duty.
  • Honor customers’ bills → Again, depends on contract; not statutory.
  • Statutory ObligationContractual Obligation
    कानुन / नियमन अनुसार आपसी सम्झौताअनुसार
    ग्राहकको खाताको गोपनीयता कायम गर्नु चेक भुक्तानी, ब्याज भुक्तानी गर्नु

22) How many deputy governors are there in NRB?

  1. 2
  2. 3
  3. 4
  4. 5

23) What is the minimum education qualification of a director of a commercial bank?

  1. Masters degree
  2. Bachelors deggree
  3. NRB Requirement
  4. All of the above

24) BAFIA – 2073, provision relating to voluntary liquidation held on

  1. Chapter 11
  2. Chapter 12
  3. Chapter 13
  4. Chapter 14

25) What are the methods of doing terrorism under anti-money laundering?

  1. Investment in real estate
  2. Open bank and financial institution
  3. Window dressing from gambling benefits
  4. All of the above

26) Merger bylaws were enacted in Nepal in 

  1. 2058 BS
  2. 2061 BS
  3. 2066 BS
  4. 2068 BS

Topic – General Knowledge and ICT

1) According to the Corruption Perception Index (CPI), 2024, published by Transparency International on January 30, 2024, what is Nepal’s position?

  1. 107th rank (34 score) – Check the latest data
  2. 100th
  3. 108th
  4. 35th

2) Which is the first municipality to announce the city anthem?

  1. Tilottama Municipality 
  2. Siddharthanagar Municipality
  3. Debdaha Municipality
  4. Bhanu Municipality

3) When and where was the 5th conference of BIMSTEC held?

  1. 2022 March 20, Nepal
  2. 2024 April 2, India
  3. 2022 March 30, Sri Lanka
  4. 2022 September 6, Bangladesh

4)When was Transparency International founded?

  1. 1972 AD
  2. 1993 (9 February 1993) HQ – Berlin, Germany 
  3. 1983 AD
  4. 1953 AD

5) How long did the war of the Mahabharata last?

  1. 18 Days
  2. 20 Days
  3. 30 Days
  4. 40 Days

6) Who founded Aakashwani?

  1. Mohan Shamher
  2. Judda Shamsher
  3. Padma Shamsher
  4. Dev Shamsher

7) What fearture enable us to send the same letter to different users?

  1. Macros
  2. Mail Merge
  3. Template
  4. None of the above

8)  Which of the following sections does not exist in the slide layout of PowerPoint?

  1. Titles
  2. Lists
  3. Charts
  4. Animations

9)  Which of the following is not a type of broadband internet connection?

  1. Dial up
  2. DSL
  3. Satellite
  4. Cable

10)  Which is considered a direct entry input device?

  1. Optical scanner
  2. Mouse and digitizer
  3. Light pen
  4. All of the above

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