The central bank of Pakistan is called:
A) National Bank of Pakistan
B) Habib Bank Limited
C) State Bank of Pakistan
D) Bank of Punjab
Which type of banks operate under Islamic principles in Pakistan?
A) Commercial Banks
B) Investment Banks
C) Islamic Banks
D) Microfinance Banks
What is the role of the State Bank of Pakistan?
A) Issuing loans to individuals
B) Regulating monetary policy
C) Running private banks
D) Setting stock market prices
Which type of banks primarily deal with rural and low-income individuals?
A) Commercial Banks
B) Investment Banks
C) Microfinance Banks
D) Foreign Banks
Which bank is the largest commercial bank in Pakistan?
A) United Bank Limited
B) National Bank of Pakistan
C) Bank Alfalah
D) Faysal Bank
Which act regulates the banking system in Pakistan?
A) Banking Companies Ordinance 1962
B) Companies Act 1984
C) Financial Services Act 2001
D) Securities Exchange Act 2008
What is the primary challenge for Pakistan’s banking sector?
A) High inflation
B) Over-regulation
C) Cybersecurity threats
D) All of the above
Which of the following is NOT a challenge for Pakistan’s banking sector?
A) Low financial inclusion
B) Strict monetary policies
C) Rising foreign exchange reserves
D) High non-performing loans (NPLs)
What is the function of commercial banks in Pakistan?
A) Collecting taxes
B) Providing loans and deposits
C) Controlling stock prices
D) Printing currency notes
Which of the following is an Islamic bank in Pakistan?
A) Meezan Bank
B) Standard Chartered Bank
C) United Bank Limited
D) Habib Bank Limited
Pakistan’s banking system is primarily regulated by:
A) Federal Government
B) Securities & Exchange Commission
C) State Bank of Pakistan
D) Ministry of Finance
What percentage of Pakistan’s population has access to banking services?
A) 10%
B) 25%
C) 50%
D) 75%
The capital adequacy ratio (CAR) is a measure of:
A) Bank profitability
B) Bank solvency
C) Bank liquidity
D) Bank lending capacity
Which factor significantly affects banking operations in Pakistan?
A) Political instability
B) Currency exchange rates
C) Inflation rate
D) All of the above
What is the major reason for high non-performing loans (NPLs) in Pakistan?
A) Government regulations
B) Poor credit risk assessment
C) Excessive foreign investment
D) High savings rate
Which of the following is a challenge for Islamic banking in Pakistan?
A) Lack of awareness
B) Limited Islamic financial products
C) Absence of standard regulations
D) All of the above
Foreign banks in Pakistan mostly provide services to:
A) Low-income individuals
B) Multinational corporations
C) Rural farmers
D) Small businesses
The primary purpose of microfinance banking in Pakistan is to:
A) Promote large-scale industries
B) Provide loans to low-income individuals
C) Support government projects
D) Manage stock exchanges
Which institution ensures consumer protection in Pakistan’s banking sector?
A) Federal Investigation Agency
B) Pakistan Banking Ombudsman
C) Securities & Exchange Commission
D) Ministry of Finance
What is the impact of high inflation on banking in Pakistan?
A) Increases the value of money
B) Reduces lending capacity
C) Encourages more savings
D) Improves currency stability
Which of the following is an advantage of branchless banking in Pakistan?
A) Higher transaction costs
B) Increased financial inclusion
C) Decreased security risks
D) Less access to banking services
Which financial institution is responsible for printing currency notes in Pakistan?
A) Ministry of Finance
B) State Bank of Pakistan
C) National Bank of Pakistan
D) Federal Board of Revenue
Which factor contributes to low banking penetration in Pakistan?
A) High literacy rate
B) Lack of trust in banks
C) Strong regulatory framework
D) High interest rates
What is the role of development finance institutions in Pakistan’s banking system?
A) Providing short-term loans
B) Financing large infrastructure projects
C) Managing exchange rates
D) Controlling inflation
Which banking innovation is increasing financial inclusion in Pakistan?
A) Digital banking
B) Gold reserves
C) Higher lending rates
D) Increased bureaucracy
Which challenge affects banking growth in rural Pakistan?
A) Poor infrastructure
B) High literacy rates
C) Surplus banking branches
D) High foreign investment
Which organization helps in regulating Islamic banking in Pakistan?
A) Securities & Exchange Commission
B) Islamic Banking Department of SBP
C) Pakistan Stock Exchange
D) Ministry of Finance
Which bank was privatized by the Government of Pakistan?
A) Allied Bank
B) National Bank of Pakistan
C) Bank of Punjab
D) First Women Bank
What is the main reason behind the growth of fintech in Pakistan’s banking sector?
A) Increase in traditional banking branches
B) Rising digital payments adoption
C) Government tax policies
D) Declining mobile phone usage
