UPSC Civil Services Prelims Exam 2020 Expected MCQ Part-30

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UPSC Prelims Exam 2020 Expected MCQs

1. Under which of the following circumstances, the RBI can cancel the licence of the Co-operative bank?

  1. If the financial position of the bank was highly adverse and unsustainable
  2. If bank is not in a position to pay its present and future depositors
  3. If the bank failed to meet the regulatory requirement of maintaining a minimum capital adequacy ratio of 9% and reserves

Which of the given above statements is/are correct?

 (a) 1 and 2

 (b) 2 and 3

 (c) 1 and 3

 (d) All of the above

Ans: (d)

Explanation:

RBI has asked the Registrar of Co-operative Societies, Maharashtra to start the process of winding up operations of CKP Co-operative bank and appoint a liquidator.

On liquidation, every depositor of the bank is entitled to get up to Rs 5 lakh from the Deposit Insurance and Credit Guarantee Corporation.

What’s the issue?

Recently, the Reserve Bank of India (RBI) recently cancelled the licence of Mumbai-based CKP Co-operative Bank for the following reasons:

Financial position of the bank was highly adverse and unsustainable.

The bank is not in a position to pay its present and future depositors.

The bank failed to meet the regulatory requirement of maintaining a minimum capital adequacy ratio of 9% and reserves.

2. ‘Tier-1 capital’ of capital adequacy ratio (CAR) can absorb a reasonable amount of loss without forcing the bank to stop its trading, it consists of:

  1. Equity capital
  2. Ordinary share capital
  3. Intangible assets
  4. Audited revenue reserves

Select the correct answer using the code below:

 (a) 1, 2 and 4

 (b) 1, 3 and 4

 (c) 2 and 3

 (d) All of the above

Ans: (d)

Explanation:

The capital adequacy ratio (CAR) is a measurement of a bank’s available capital expressed as a percentage of a bank’s risk-weighted credit exposures. The capital adequacy ratio, also known as capital-to-risk weighted assets ratio (CRAR), is used to protect depositors and promote the stability and efficiency of financial systems around the world.

Two types of capital are measured: tier-1 capital, which can absorb losses without a bank being required to cease trading, and tier-2 capital, which can absorb losses in the event of a winding-up and so provides a lesser degree of protection to depositors.

Tier-1 Capital or core capital consists of equity capital, ordinary share capital, intangible assets and audited revenue reserves. Tier-1 capital is the capital that is permanently and easily available to cushion losses suffered by a bank without it being required to stop operating.

Tier-2 capital comprises unaudited retained earnings, unaudited reserves and general loss reserves. This capital absorbs losses in the event of a company winding up or liquidating

3. Consider the following statements about African Swine Fever (ASF):

  1. It is a severe viral disease affecting domestic and wild pigs
  2. There is no approved vaccine against ASF
  3. It is the only virus with a double-stranded DNA genome known to be transmitted by arthropods

Which of the given above statements is/are correct?

 (a) 1 Only

 (b) 2 and 3

 (c) 1 and 3

 (d) All of the above

Ans: (d)

Explanation:

Stat1: African swine fever (ASF) is a severe viral disease affecting domestic and wild pigs. This transboundary animal disease (TAD) can be spread by live or dead pigs, domestic or wild, and pork products; furthermore, transmission can also occur via contaminated feed and fomites (non-living objects) such as shoes, clothes, vehicles, knives, equipment etc., due to the high environmental resistance of ASF virus.

Stat2: There is no approved vaccine against ASF (unlike classical swine fever (‘Hog Cholera’) which is caused by a different virus)

Stat3: ASFV replicates in the cytoplasm of infected cells. It is the only virus with a double-stranded DNA genome known to be transmitted by arthropods.

4. Arrange the following location’s in the direction of West to East:

  1. Shaksgam Valley
  2. Siachen Glacier
  3. Gilgit Baltistan

Select the correct answer using the code below:

 (a) 1-3-2

 (b) 3-2-1

 (c) 1-2-3

 (d) 3-1-2

Ans: (d)

Explanation:

UPSC Civil Services Prelims Exam 2020 Expected MCQ Part-30

5. Consider the following statements:

  1. Foreign portfolio investment (FPI) involves holding financial assets from a country outside of the investor’s own.
  2. In India, only SEBI has the power to issue participatory notes.

Which of the given above statements is/are correct?

 (a) 1 Only

 (b) 2 Only

 (c) Both 1 and 2

 (d) Neither 1 nor 2

Ans: (a)

Explanation:

Stat1: Foreign portfolio investment (FPI) involves holding financial assets from a country outside of the investor’s own.

FPI holdings can include stocks, ADRs, GDRs, bonds, mutual funds, and exchange traded funds.

Along with foreign direct investment (FDI), FPI is one of the common ways for investors to participate in an overseas economy, especially retail investors.

Unlike FDI, FPI consists of passive ownership; investors have no control over ventures or direct ownership of property or a stake in a company.

Stat2: Participatory notes are offshore derivative instruments with Indian shares as underlying assets. Brokers and foreign institutional investors registered with the Securities and Exchange Board of India (SEBI) issue the participatory notes and invest on behalf of the foreign investors. Brokers must report their participatory note issuance status to the regulatory board each quarter. The notes allow foreign investors with high net worth, hedge funds, and other investors, to participate in the Indian markets without registering with the SEBI. Investors save time, money and scrutiny associated with direct registration.

6. Consider the following statements:

  1. The Brus, also referred to as the Reangs, are spread across the northeastern states of Tripura, Assam, Manipur, and Mizoram.
  2. In Tripura, they are recognised as a Particularly Vulnerable Tribal Group.

Which of the given above statements is/are correct?

 (a) 1 Only

 (b) 2 Only

 (c) Both 1 and 2

 (d) Neither 1 nor 2

Ans: (c)

Explanation:

The Brus, also referred to as the Reangs, are spread across the northeastern states of Tripura, Assam, Manipur, and Mizoram.

In Tripura, they are recognised as a Particularly Vulnerable Tribal Group. In Mizoram, they have been targeted by groups that do not consider them indigenous to the state.

What’s the issue?

About of ethnic violence forced thousands of people from the Bru tribe to leave their homes in Mizoram.

The displaced Bru people from Mizoram have been living in various camps in Tripura since 1997. In 1997, the murder of a Mizo forest guard at the Dampa Tiger Reserve in Mizoram’s Mamit district allegedly by Bru militants led to a violent backlash against the community, forcing several thousand people to flee to neighbouring Tripura.

The Bru militancy was a reactionary movement against Mizo nationalist groups who had demanded in the mid-1990s that the Brus be left out of the state’s electoral rolls, contending that the tribe was not indigenous to Mizoram.

7. Consider the following statements:

  1. Only the great cats can roar but not the snow leopard
  2. Male tigers are generally more intolerant of other males within their territories than females are of other females
  3. Rhinos have fantastic hearing and a great sense of smell, but have terrible eyesight

Which of the given above statements is/are correct?

 (a) 1 Only

 (b) 1 and 3

 (c) 1, 2 and 3

 (d) 2 and 3

Ans: (c)

Explanation:

Source: Stat1: Among big cat fans the roar is the ultimate form of communication. Only the great cats can roar; that is, the tiger, lion, jaguar and leopard — but not the snow leopard. The ability to roar is what differentiates a ‘great’ cat from a ‘big’ cat.

Source: Stat2: Male tigers are generally more intolerant of other males within their territory than females are of other females. For the most part, however, territorial disputes are usually solved by displays of intimidation, rather than outright aggression. Several such incidents have been observed, in which the subordinate tiger yielded defeat by rolling onto its back, showing its belly in a submissive posture. Once dominance has been established, a male may actually tolerate a subordinate within his range, as long as they do not live in too close quarters. The most violent disputes tend to occur between two males when a female is in oestrus, and may result in the death of one of the males, although this is actually a relatively rare occurrence.

Source: Stat3: Rhinos have fantastic hearing and a great sense of smell, but have terrible eyesight. They will struggle to spot something further than 30m away.

8. In 2010, the central government set up an expert panel for reintroducing the cheetah in India. With reference to this, the panel has recommended which of the following habitats?

  1. Kuno Palpur National Park
  2. Velavadar National Park
  3. Tal Chapar sanctuary

Select the correct answer using the code below:

 (a) 1 only

 (b) 1 and 3

 (c) 1 and 2

 (d) 1, 2 and 3

Ans: (d)

Explanation:

In 2010, the central government set up an expert panel for reintroducing the cheetah in India. This panel recommended that the home of the fastest animal in the world could be Kuno Palpur in Madhya Pradesh, Velavadar National Park in Gujarat and Tal Chapar sanctuary in Rajasthan.

9. ‘Project Godawan’ sometimes mentioned in news, is related to conservation of:

 (a) Mongoose

 (b) Pangolin

 (c) Great Indian Bustard

 (d) Indian Gharial

Ans: (c)

Explanation:

The Great Indian Bustard presently is confined to only eight pockets in 6 Indian states- Rajasthan, Gujarat, Maharashtra, Madhya Pradesh, Karnataka and Andhra Pradesh

Great Indian Bustard is the State Bird of Rajasthan and locally is called as Godawan.

The state government of Rajastahn has started “Project Godawan” for its conservation at Desert National Park in Jaisalmer.

10. Recently a ‘new archaeon’ was discovered in

 (a) Western Ghats

 (b) Pulicat lake

 (c) Eastern Himalaya

 (d) Sambar Lake

Ans: (d)

Explanation:

They are a primitive group of microorganisms that thrive in extreme habitats such as hot springs, cold deserts and hyper saline lakes.

These slow-growing organisms are also present in the human gut, and have a potential relationship with human health.

They are known for producing antimicrobial molecules, and for anti-oxidant activity with applications in eco-friendly waste-water treatment.

Why in News?

Scientists have reported a new archaeon (a kind of microorganism), which they discovered in Sambhar Salt Lake in Rajasthan.

It has been named Natrialba swarupiae, after Dr Renu Swarup, secretary, Department of Biotechnology.

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