Read Janata Bank Limited Executive Officer – Financial Analyst (EO-FA) 2015 Exam
1. In a recent year, Windsor’s Boats reported an asset turnover ratio of 2.46 times and a profit margin of 19.8%. In the same year, Sarah’s Sail Boats reported an asset turnover ratio of 1.27 times and a profit margin of 9.9%. Which of the following statements false?
(a) Sarah’s did a better job of turning over its assets.
(b) Windsor’s did a better job of generating profit from its sales.
(c) Windsor’s return on assets (ROA) is 48.7% while Sarah’s return on assets is 12.6%
(d) None of the other answer is false.
2. Which country has the second most pro-capitalist population in the developing world?
(a) USA
(b) China
(c) Vietnam
(d) Bangladesh
Ans. d
3. Banking 24/7 means
(a) 24 banking service available in 7 branches
(b) Virtual Banking available 24 hrs and 7 days
(c) Virtual Ranking at 24 degree east and 7 degree north satellite
(d) 7 Bank using 24 ATM machines
Ans. b
4. 2 30 + 2 30 + 2 30 + 2 30 = ?
(a) 8 120
(b) 8 30
(c) 2 32
(d) 2 30
Ans. c
5. The first Stock Exchange to become demutualised in the world is situated in
(a) Bangladesh
(b) USA
(c) Sweden
(d) Australia
Ans. d
6. Mehgna Company’s working capital was Tk. 40,000 and total current liabilities were ¼ of that amount. The current ratio was:
(a) 1 to 1
(b) 3 to 1
(c) 5 to 1
(d) 7 to 1
Ans. b
7. Which of the following is a service not provided by a bank?
(a) Vault rent
(b) Q-Cash ATM service
(c) Bank Guaranty
(d) Accepting damaged notes
Ans. a
8. Maxell Company’s return on equity was 18% and the financial leverage percentage was 13% (positive). Return on assets was:
(a) 31%
(b) 18%
(c) 13%
(d) 5%
Ans. d
9. Simply (2 x -1 ) 2 + x -5
(a) 4 x 2
(b) 4 x 3
(c) 4 x -3
(d) 4 x -1
Ans. b
10. If the perimeter of a rectangular flower bed is 30 feet, and its area is 44 square feet, what is the length of each of its shorter sides?
(a) 4
(b) 5
(c) 6
(d) 7
Ans. a
11. Internet access by transmitting fastest digital data with heavy bandwidth over the wires are best possible by
(a) Digital lines
(b) Regular cable lines
(c) Optical fibers
(d) Analog lines
Ans. c
12. Return on equity can be calculated by:
(a) multiplying net profit margin by asset turnover and financial leverage
(b) dividing net profit by asset turnover and financial leverage
(c) adding net profit margin to asset turnover and financial leverage
(d) subtracting net profit margin from asset turnover and financial leverage
Ans. b
13. Which of the typically following will cause an increase in return on equity (ROE) as long as expenses do not grow faster than revenue?
(a) A decrease in average total assets
(b) An increase in sales volume
(c) An increase in net income
(d) A decrease in expenses
Ans. b
14. Which international reputed organization has rated Bangladesh as the next – 11 ( N-11) (year 2015)?
(a) Moodys
(b) S & P
(c) Goldman Sachs
(d) Frontier Five
Ans. c
15. সংবাদপত্র কোন সমাস?
(a) মধ্যপদলোপী কর্মধারয়
(b) দ্বন্দ
(c) অব্যয়ীভাব
(d) বহুব্রীহি
Ans. a
16. Point of sale (POS) machine is widely used the
(a) Tellers
(b) Merchants
(c) Government
(d) Central Bank
Ans. b
17. Which protocol assigns IP address to the client connected in the internet?
(a) DHCP
(b) IP
(c) RFC
(d) WWW
Ans. a
18. Chaity Company’s return on equity (ROE) was 11.4% in 100 A and 13.1% in 200 B. The increase in this ration could be caused by which of the following?
(a) An increase in the relative portion of stockholders’ equity to fund assets.
(b) An increase in net profit margin.
(c) A decrease in net profit margin.
(d) A decrease in the asset turnover ratio.
Ans. b
19. শিল্পসম্মত বাংলা গদ্যরীতির জনক হিসাবে খ্যাত সাহিত্যিকের নাম:
(a) প্রথম চৌধুরী
(b) ঈশ্বরচন্দ্র বিদ্যাসাগর
(c) শরৎচন্দ্র চট্টোপাধ্যায়
(d) দীনেশচন্দ্র সেন
Ans. b
20. Two numbers are in the ratio 5:4 and their difference is 10. What is the largest number?
(a) 40
(b) 30
(c) 50
(d) 45
Ans. c
21. The highest electricity production in 2015 (till today: dated - 26.06.2015) in a day in Bangladesh is
(a) 7817.00 MW
(b) 4315.00 MW
(c) 10123.00 MW
(d) 12235.00 MW
Ans. a
22. Trojan Horse is a
(a) Software
(b) Virus
(c) Hardware
(d) Internet Protocol
Ans. b
23. What is the Synonym for word ‘APPALL’?
(a) deceive
(b) cover
(c) dismay
(d) confuse
Ans. c
24. Out of 7500 candidates 75% were offered to study in Arts and 45% in Business. How many were offered both?
(a) 1000
(b) 1750
(c) 2000
(d) 1500
Ans. d
25. The records of Everyday Electronics Corporation include the following:
Average Total assetsTk. 7,60,000
Average total libilities4,85,000
Total revenue2,00,500
total expense (including income tax)1,35,000
(a) 13%
(b) 6%
(c) 25%
(d) 8%
26. If the current ratio is 2 to 1, the payment of a cash dividend, which was recorded as a liability on the date of declaration, will-
(a) increase the current ratio.
(b) decrease the current ratio.
(c) have no effect on the current ratio.
(d) invalidate earnings per share.
Ans. b
27. If the following image , ASB is a quarter of a circle. PQRS is a rectangle with sides PQ = 8 and PS = 6. What is the length of the arc AQB?
Layer 1 A B S P Q R
(a) 5π
(b) 8π
(c) 10π
(d) 15π
Ans. a
28. Which of the following is not an E-Banking product?
(a) ATM
(b) SMS banking
(c) Plastic money
(d) School Banking
Ans. d
29. Optical fiber carries data at the speed of light as it is made of
(a) UTA (Ultra thin aluminum)
(b) Copper
(c) Titanium
(d) Bundle of reflecting glass
Ans. d
30. ‘ভানুমতির খেল’ প্রবচনটি বোঝায় -
(a) চালবাজি
(b) ভেলকিবাজি
(c) ফটকাবাজি
(d) ফেরেরবাজি
Ans. b
31. বাবা শব্দটি কোন ভাষা থেকে এসেছে?
(a) তুর্কী
(b) পর্তুগিজ
(c) আরবী
(d) উর্দু
Ans. a
32. The seed of a boat is 10 km per hour (kph) and the speed of the river current is 5 kph. The boat travelled 5 hours in favor of the current and then returned to the starting point. What was the time to return?
(a) 15 hours
(b) 12.5 hours
(c) 50
(d) 7.5 hours
Ans. a
33. How many 1-inch square tiles would it take to cover the floor of a closet that has dimensions 5 feet by 4 feet?
(a) 240
(b) 1440
(c) 2160
(d) 2880
Ans. d
34. What must be added to 1 x for making it equal to x?
(a) x² + 1 x
(b) x x² + 1
(c) ² - 1 x
(d) x x² - 1
Ans. c
35. ‘সকল ছাত্ররাই যথাসময়ে উপস্থিত হয়েছে।’- বাক্যটিতে কি ধরণের ভুল আছে?
(a) বানান
(b) পদ
(c) বচন
(d) বিভক্তি
Ans. c
36. The abbreviation of VSAT is
(a) Very Small Apparatus Terminal
(b) Very Soft Apparatus Tunnel
(c) Vital Satellite Altitude Tester
(d) Vial and Small Apparatus Tester
Ans. a
37. Four persons can complete a job in 8 days. After four days two persons have left the work. How many days would it take for the remaining persons to complete the work?
(a) 10
(b) 6
(c) 8
(d) 9
Ans. c
38. The price of a certain DVD is discounted by 10% and the reduced price is then discounted by another 10%. This series of successive discounts is equivalent to a single discount of:
(a) 20%
(b) 19%
(c) 18%
(d) 15%
Ans. b
39. Rashna Company collected the following data in its accounting records in 2014:
From income statement.
Depreciation expenseTk. 1,000
Loss on sale of equipment3,000
From the comparative balance sheen
Beginning balance, equipmentTk. 12,500
Ending balance, equipment8,000
Beginning balance, accumulated depreciation2,000
Ending balance, accumulated depreciation2,400

No new equipment was purchased during the year. The equipment was sold at end of the year. What was the cash in-flow from the sale of equipment in 2014?
(a) Tk. 3,900
(b) Tk. 1,000
(c) Tk. 900
(d) Tk. 600
40. কোন সন্ধি বিচ্ছেদটি ভুল?
(a) গৈ + অক = গায়ক
(b) সু + অল্প = স্বল্প
(c) আ + চর্য = আশ্চর্য
(d) দু + লোক = দ্যুলোক
Ans. d
41. A gardener plants 17956 trees in such a way that there are as many rows as the number of trees in a row. What is die number of trees in a row?
(a) 134
(b) 136
(c) 144
(d) 154
Ans. a
42. The effect of shortening the length of the operating cycle is:
(a) increase in operating costs
(b) decreased cash inflow
(c) increased profits.
(d) increased debt.
Ans. b
43. A company reports sales revenue of Tk. 200 million the current year and Tk. 180 million last year. Their total assets in the current year are Tk. 150 million and last year’s total assets were Tk. 130 million. What is the current year’s asset turnover ratio?
(a) 1.48
(b) 1.33
(c) 1.36
(d) 1.43
Ans. b
44. ‘হাসি দিয়ে ঘরটিকে ভরিয়ে রাখতো সে।’- বাক্যটিতে ‘দিয়ে’ হলো:
(a) অব্যয়
(b) প্রত্যয়
(c) অনুসর্গ
(d) উপসর্গ
Ans. a
45. The largest sector wise contribution in our GDP is from
(a) Agriculture
(b) Export
(c) Industry
(d) Service
Ans. d
46. If a company’s return on equity (ROE) ratio increases from one year to the next, the most likely cause is:
(a) an increase in net income.
(b) a reduction in total expenses as a percentage of sales.
(c) an increase in stockholders’ equity.
(d) an increase in net income and/or a reduction in total expanses as a percentage of sales.
Ans. d
47. ‘বগুড়ার চিনিপাতা দুই সুস্বাদু।’ – বাক্যটিতে ‘চিনিপাতা’ কোন্ কারক?
(a) অধিকরণ
(b) অপাদান
(c) করণ
(d) কর্ম
Ans. c
48. Assume the following shares outstanding:
Preferred stock, 6% Tk. 52 par value, cumulative, 1,000 shares with dividends in arrears 3 years, for 20_1, 20_2 and 20_3.
Common stock, Tk. 100 par value, 2,000 shares. Total dividends declared n 20_4 were Tk. 50,000. The total amount of dividends to which common stockholders are entitled is:
(a) Tk. 62,000
(b) Tk. 50,000
(c) Tk. 45,000
(d) Tk. 38,000
49. A zookeeper counted the heads of animal and found it to be 80. When he counted the legs of animals, he found the number to be 260. If the zoo had either Pigeons or horses, how many horses were there in the zoo?
(a) 30
(b) 40
(c) 50
(d) 60
Ans. c
50. Blue Sky Company began the year with a balance in inventory of Tk. 110,000 and ended the year with a balance of Tk. 102,000. The net sales for the year were Tk. 983,000 with a gross profit on sales of Tk. 295,000. What was the inventory turnover ratio?
(a) 2.78 times
(b) 9.27 times
(c) 6349 times
(d) 2.89 times
51. A company declares a 40% stock dividend when there are 4.0 million common shares outstanding with a Tk. 1 par value. Their current market price is Tk. 20 per share. Which of the following will be the effect of the stock dividend?
(a) Retained earnings will decreased by Tk. 1.6 million and contributed capital will increase by Tk. 1.6 million.
(b) Contributed capital will decrease by Tk. 1.6 million and retained earnings will increase by Tk 1.6 million.
(c) Retained earning will decrease by Tk. 32 million and contributed capital will increase by Tk. 32 million
(d) Contributed capital will decrease by Tk. Million and retained earnings will increase by Tk. 32 million
52. If a + b = √3 and a – b = √2, what is the value of 8ab(a² + b²)?
(a) 5
(b) 6
(c) 7
(d) 8
Ans. a
53. Internetworks on
(a) packet switching
(b) circuit switching
(c) hub stitching
(d) vandals
Ans. a
54. The Apple Company had net income of Tk. 47,000 and earnings per share of Tk. 3.17 during 2010. On December 31, 2010, the stock had a market price of Tk. 18.50 per share. What is Apple Company’s price-earnings ratio?
(a) 25.70
(b) 8.11
(c) 5.84
(d) 0.71
55. Bangladesh holds a healthy foreign exchange reserve of around US dollar
(a) 240 Million
(b) 23 Billion
(c) 240 Billion
(d) 1800 Million
Ans. a
56. Which one is true for the mathematical expression 2 n + 2 n-1 n+1 4 - 2 n
(a) 3 2
(b) 2 3
(c) 1
(d) 2 n
Ans. a
57. Raina is twice as old as Saima. Three years ago, Raina was three times as old as Saima. How old is Raina now?
(a) 6 years
(b) 12 years
(c) 14 years
(d) 16 years
Ans. b
58. When you can access your account form any branch of the same bank that is called
(a) Online Banking
(b) Internet Banking
(c) Off Shore Banking
(d) Any Branch Banking
Ans. a
59. The new Asian Clearing Union Chairman is from (year 2015)
(a) India
(b) Thailand
(c) Bangladesh
(d) Iran
Ans. c
60. Karnaphuli Company paid out Tk. 2.30 in dividends per share during 2010. The market price of the stock on December 31, 2010 was Tk. 21.00 per share. There were 15,000 shares of stock outstanding for the entire year. The dividend yield as of December 31, 2010 was:
(a) 16.43%
(b) 10.95%
(c) 9.13%
(d) 913.04%
61. If a company’s return on assets (ROA) stays the same from one year to the next but its financial leverage ratio increases, then the most likely cause is:
(a) an increase in the debt to equity ratio.
(b) a decrease in net income.
(c) an increase in total assets.
(d) an increase in stockholders’ equity.
Ans. b
62. ষাট বছর পূর্ণ হওয়ার উৎসবকে এককথায় বলে:
(a) হীরক জয়ন্তী
(b) সুবর্ণ জয়ন্তী
(c) রজত জয়ন্তী
(d) প্লাটিনাম জয়ন্তী
Ans. a
63. Two friends M and N have 40% and 60% shares in a business. After some time a third friend joined the business by investing Tk. 5 lac and acquired 20% shares in the business. What is the share of M in the business now?
(a) 20%
(b) 24%
(c) 28%
(d) 32%
Ans. d
64. Asset turnover measures:
(a) the profit generate by efficient management of assets.
(b) how quickly we liquidate our inventory.
(c) the sales revenue generated by efficient management of assets.
(d) the ability to generate income for the stockholders
Ans. c
65. If the difference between the between the circumference and diameter of a circle is 60 cm, then the radius of the circle is:
(a) 7 cm
(b) 9 cm
(c) 10 cm
(d) 14 cm
Ans. d
66. ‘ছায়া হরিণ’ কার গ্রন্থ:
(a) অমিয় বক্রবর্তী
(b) সুকান্ত ভট্টাচার্য
(c) আহসান হাবীব
(d) অক্ষয় কুমার বড়াল
Ans. c
67. In centralized database system, the role of the front office in a bank is to
(a) assessment and approval
(b) customer dealing
(c) internal audit
(d) IT management
Ans. b
68. Which of the following rations is not a test of solvency?
(a) Debt to equity ratio
(b) Cash coverage ratio
(c) Times interest earned
(d) Earnings per share ratio
69. Radio link is a tool of banking communication in a
(a) WAN area
(b) LAN area
(c) Remote area
(d) VAN area
Ans. c
70. If a and b are positive real numbers, then (a° + 3b°) 5 = ?
(a) 0
(b) 1
(c) -32
(d) -1
Ans. c
71. The antonym for ‘DEARTH’ is:
(a) lack
(b) abundance
(c) poverty
(d) foreign
Ans. b
72. A train is travelling at 100km per hour (kmh) overtakes a motorbike travelling at a speed of 64 kmh in 40 seconds. What is the length of the train in meters?
(a) 400
(b) 450
(c) 500
(d) 550
Ans. a
Choose the correct sentence:
73. .
(a) The old car doesn’t need fixed.
(b) The old car doesn’t need to be fixed.
(c) The old car doesn’t need a fixing
(d) The old car needs no fixed.
Ans. b
74. .
(a) He asked had we taken our food
(b) He asked if we had taken our food.
(c) He asked if we took our food.
(d) He asked if we taken our food
Ans. b
Fill in the blanks with appropriate words:
75. He made his children ____ their homework every afternoon.
(a) do
(b) to do
(c) to study
(d) studied
Ans. a
76. The potato chop was very hot. He let ____ just in time.
(a) alone it
(b) go alone it
(c) go it
(d) go of it.
Ans. A
Read the following passage and answer the question:
Defining green banking is relatively easy. It means promoting environment-friendly practices and reducing your carbon footprint from your banking activities. This comes in many forms; using online banking instead of branch banking paying bills online, opening up CDs (certificates of deposit) and money market accounts at online banks instead of large multi-branch banks. A green bank takes the biggest steps to support local green initiatives. Any combination of the above personal banking practices can help the environment. In this respect, online banks and smaller community banks have better track records than larger banks. However, these larger banks may be induced to go green.
77. Certificates of Deposits (CDs) show all but one of the following characteristics. Find out which one:
(a) Most CDs will incur a fee or penalty for early withdrawal.
(b) CDs usually offer lower yield than a regular savings account.
(c) CDs are usually insured up to the same amount through some credit union mechanism.
(d) Most commonly CDs are offered with a fixed interest rate and term.
Ans. C
78. According to the passage, larger, multi-branch banks.
(a) can never become green banks.
(b) can become green banks if they reduce the number of braches and eliminate the use of paper.
(c) ban become green banks if they can greatly reduce or eliminate carbon footprint from their banking activities.
(d) can becomes green banks if they support local green initiatives.
Ans. B
79. A ‘track record’ means
(a) a record set by an athlete on a running track.
(b) past achievement or performance of a person or organization
(c) the record achieved by a person or organization in a particular business contest.
(d) the future achievement of a person or organization depending on its present stock market record.
Ans. d
80. Many business today use environment friendly practices. Which of the following is an environment friendly practice?
(a) persisting with multi-branch, paper dependent approaches.
(b) keeping the premises well-lighted and super-cool during summer
(c) buying wholesale office supplies in bulk.
(d) spurning options for green cleaning.
Ans. D