Code of Ethics

Question 1
Which of the following statements is/are true in respect of handling conflict of interests:
A) We should be proactive in identifying and managing conflicts of interest between the Bank and its
stakeholders
B) We should give more importance to our personal interest
C) We should always report a conduct that can be detrimental to the interests of Bank or its stakeholders
D) Both 1 & 3

Question 2
Which of the following constitutes a corrupt practice?
A) Giving a gift to a customer during the festive season
B) Making political contributions on behalf of the Bank
C) Offering a payment to influence another party's decision improperly
D) Supporting practices violating equality principles

Question 3
Our work time is also a Banks resource. We should avoid personal activities during work time as these might
affect our or our colleagues? productivity.
A) TRUE
B) FALSE
C) Depends on how burdened we are with office work
D) Depends on the quality of the work being done.

Question 4
______ with the Code of Ethics is a key requirement for the Bank staff along with adherence to other
applicable laws, regulations, policies and processes.
A) Non-compliance
B) Defiance
C) Dis-agreement
D) Compliance

Question 5
We should carry out the prescribed_____ for scrutinizing the profiles of potential or current customers or
counter parties while conducting business.
A) Verification
B) Enquiry
C) Due Diligence
D) None of the above

Question 6
For growing together to deliver better, we should not:
A) Ignore any feedback from Seniors, Juniors or Colleagues
B) Shirk collaboration
C) Stop being curious
D) All of the above

Question 7
What does the Bank consider unacceptable while dealing with external stakeholders?
A) Reporting acts of corruption or bribery
B) Using the whistleblower mechanism
C) Making political contributions on behalf of the Bank
D) Preventing corrupt, fraudulent, and obstructive practices
 Code of Ethics

Question 8
To promote an inclusive & empowering culture, we should not:
A) Indulge in abuse of human rights in any form- obvious or subtle.
B) Avoid reporting a hazardous condition in work place.
C) Both 1 & 2
D) None of the above

Question 9
What does the Bank disapprove of in any form?
A) Charitable contributions
B) Acts of bribery and corruption
C) Political contributions
D) Whistleblower mechanism

Question 10
We should offer a polite, courteous and empathetic experience to______ customers in their interactions with
us
A) Selected
B) All
C) New
D) Old

Question 11
What is the purpose of the whistleblower mechanism?
A) To report charitable contributions
B) To report political contributions
C) To report concerns regarding bribery or corruption
D) To provide rewards to whistleblowers

Question 12
We should keep the values of STEPS in mind and treat______ with respect to protect our reputation.
A) Colleagues
B) Customers
C) All Colleagues & Customers
D) Senior Colleagues only

Question 13
In situations when we are uncertain on how to proceed, we can refer to:
A) Ethical Decision-Making Guide
B) Seniors
C) Chief Ethics officer
D) All of the above

Question 14
All employees are required to report any violation of the Code of Ethics to:
A) Superior/Controller
B) Chief Ethics Officer
C) Either of 1 or 2
D) No reporting of violation required
 Code of Ethics
Question 15
Bank expects your______ to portray good impression. Being well dressed, in a sense, is a mark of
politeness to our stakeholders.
A) Appearance
B) Behaviour
C) Both 1 & 2
D) None of the above

Question 16

Our_______establish a set of ethical principles that are instrumental in founding and nurturing a common
organizational culture.
A) Vision
B) Mission
C) Values
D) Procedures

Question 17
As a banker, we should avoid following action/s while using technology:
A) Sending Bank’s information to an external email address for non-business purposes or to personal email
account.
B) Transmitting or providing access to confidential information unless approved.
C) Both 1 & 2
D) None of the above

Question 18
Which of the following statement is incorrect in respect of using technology prudently:
A) Exercising extreme caution in opening email attachments from unknown or suspicious senders.
B) Accessing only that information/data which is needed to do the job.
C) Making sure that use of Bank’s intranet & internet complies with the guidelines.
D) Provide access to office computers to our family members is acceptable

Question 19
We should not ________anything of value for ourselves or for any other individual in return for any business,
service or disclosure of confidential information, except as may specifically be permitted by the applicable
policies.
A) Solicit
B) Refuse
C) Ignore
D) None of the above

Question 20
As per the Anti Bribery & Anti Corruption Policy Gift means?
A) Anything of value (e.g. money, services or other benefits) given in return of a service rendred or product
delievered.
B) Anything of value (e.g. money, services or other benefits) given willingly to somebody without any
consideration for it
C) Unfair preferential treatment to a person or group of persons or organisation(s)
D) A payment to secure or expedite routine actions

Question 21
Not tolerating any kind of harassment, discrimination or intimidating behaviour at workplace falls under which
principle of 'Politeness'
A) Being polite with peers & colleagues- senior or junior
B) Acting with empathy & passion
C) Promoting an inclusive & empowering culture
D) Being polite in treating customers
 Code of Ethics

Question 22
Cash officer having a tendency of taking out some cash from his hand balance to meet his daily cash
requirements, and replenish it in the evening. Which value of conduct is hampered here.
A) Ethics
B) Sustainability
C) Service
D) Politeness

Question 23
We should demonstrate politeness and propriety while interacting with our women colleagues.
A) TRUE
B) FALSE
C) Depends on local customs and traditions.
D) Depends on the skill of the staff concerned.

Question 24
While servicing our customers, "Providing Ease of Convenience' includes:
A) We should keep our processes simple and prompt.
B) We should address and resolve our customers grievances quickly.
C) Both 1 & 2
D) None of the above

Question 25
Which of the following statement is/are true in respect of Accepting & Offering Gifts or Entertainment??
A) Ensure that family members do not accept any gift or entertainment on your behalf.
B) Be aware that gift or entertainment too often might suggest the appearance of something improper, even
when there is none.
C) Both 1 & 2
D) None of the above

Question 26
In case of accepting Gifts, it maybe accepted from near relatives on occasions such as weddings, anniversaries,
funerals or religious functions Maximum limit of Rupees _______ in the case of officers in TEGS VI and above
A) 25000
B) 15000
C) 1500
D) 30000

Question 27
We should provide our customers with the best-in-class products, services & solutions to
A) To increase our market share
B) To suit their needs
C) To derive profit
None of the above

Question 28
We should be pro-active about minimizing carbon footprint through:
A) Waste minimisation
B) Pollution prevention
C) Adopting clean technology
D) All of the above
 Code of Ethics
Question 29
Gift may be accepted by officer from friends not having official dealings with the bank on occassions such as
weddings, anniversaries, funerals or religious functions. Which statement is correct?
A) Value of any single gift received on one such occasion if exceeds Rs 500/- to be reported to competent
authority
B) Value of any single gift received on one such occasion if exceeds Rs1000/- to be reported to competent
authority
C) Value of any single gift received on one such occasion if exceeds Rs1500/- to be reported to competent
authority
D) Value of any single gift received on one such occasion if exceeds Rs2500/- to be reported to competent
authority

Question 30
Which of the following statement/s is/are correct in respect of "Safeguarding SBI Assets & Resources":
A) We must protect the Bank’s assets & resources, tangible as well as intangible from theft, waste, misuse, loss
and damage.
B) We must use the Bank’s assets & resources prudently, both physical and intellectual, for approved purposes
only.
C) Both 1 & 2
D) None of the above

Question 31
Bribery & corruption leads to dilution of the
A) Principles
B) Values
C) Trust
D) Logics

Question 32
One of the attributes of the Sustainability is
A) Optimal use of recourses in hand.
B) Non-usage of resources available.
C) Ignorance about resources available.
D) Non-availability of resources.

Question 33
While serving our customers, we should:
A) Listen with empathy
B) Focus on customers needs
C) Keep ourselves updated to respond to customers queries
D) All of the above

Question 34
Which principles of "STEPS" is about Being Responsible with External Stakeholders? and it also covers ?Anti-
Bribery and Anti-Corruption
A) Service
B) Ethics
C) Transparency
D) Sustainability
 Code of Ethics
Question 35
Which of the following statement/s is/are correct in relation to achieve Sustainability.
A) Commit ourselves to produce positive and lasting impacts in our communities.
B) Continuously engage with the communities around to promote ecological, social and economic
improvements.
C) Embrace opportunities to develop eco-friendly products, services and processes for a sustainable corporate
management.
D) All of the above.

Question 36
We should take care of our health and wellbeing as the Bank emphasizes on enhancing its human capital and
encourages us to maintain good health and pursue work-life balance.
A) TRUE
B) FALSE
C) Applicable for staff above 55 years of age
D) Applicable to Supervising staff only.

Question 37
If our conduct does not meet the standards set out in the Code or is illegal, dishonest or unethical, it would
constitute a breach of the Code and we may be subject to corrective or disciplinary action in terms of the
applicable service rules or contract terms.
A) TRUE
B) FALSE
C) Depends on the type of behaviour
D) Depends on the loss to the Bank

Question 38
If the value of the gift received by an award staff from his near relative on occasions such as weddings,
anniversaries, funerals or religious functions. exceeds Rs.
it should be reported to the competent authority by the employee.
A) Rs 5000/-
B) Rs 7500/-
Rs 10000/-
Rs 15000/-

Question 39
As a responsible Banker, we should strive to make banking accessible to
A) Business class
B) Upper class
to build a better India.
C) Middle class
D) Every Indian

Question 40
If any employee encounters any difficulty making refusal of any payment, gift, hospitality, gratification or
favouritism, he/she should
A) Seek Assistance from his/her Branch Head/Controller
B) Post on Social media
C) Keep Silence
D) Inform his/her colleagues
 Code of Ethics
Question 41
Bank expects its suppliers and other third-party partners including their employees to use follow applicable
laws while fulfilling its contractual obligations
A) Economical
B) Environmental friendly
C) Profitable
D) None of the above

Question 42
Bank’s Code of Ethics is a living document and represents our collective commitment to our _______processes
and system and core principles.
A) Value
B) Financial
C) Economic
D) Banking

Question 43
Being a Responsible Corporate Citizen, we should:
A) Support and encourage people, businesses and institutions to continually reduce environment impact of
their activities for the wellbeing of the society at large.
B) Support and enable people to overcome poverty and shape their own futures by developing sustainable
livelihoods.
C) Provide services beyond banking and contribute to the community development activities in line with Banks
norms.
D) All of the above.

Question 44
Third parties, dealing with the Bank are also expected to understand that the Code forms part of their
agreement with the Bank and that a_______may result in the termination of contract, disqualification from
applying for future contracts or any other suitable action as applicable.
A) Compliance
C) Complaint
B) Breach
D) None of the above

Question 45
To stop Money Laundering, we should not
A) Assist, directly or indirectly, to launder money
B) Tip off a person who is subject of a suspicious transaction
C) Destroy records that are potentially relevant
D) All of the above

Question 46
In a particular situation, Conflict of Interest may exist
A) Potentially
B) Actually
C) Perceivably
D) Any of the above

Question 47
All of us should acknowledge the worth of______colleagues and appreciate that there are no unimportant
colleagues or unimportant roles and everyone has a valuable contribution to make.
A) All
B) Our department's
C) Male
D) Female
 Code of Ethics
Question 48
What action should employees take if they have information related to any policy violations?
A) Ignore it to avoid any conflicts
B) Report it through appropriate channels
C) Discuss it with friends within the Bank
D) Use the information to gain personal benefits

Question 49
While using Banks assets & resources, we should not:
A) Use Banks resources that would lead to violation of any applicable rule, policy, guidelines or law.
B) Use name or logo of the Bank for any personal communication.
C) Install or download unauthorized software, freeware applications, hardware or storage devices on Banks
computer, laptops or similar electronic devices.
D) All of the above.

Question 50
We should believe in developing a culture which provides a respectful & dignified work environment, is free of
harassment & discrimination and does not tolerate any kind of misbehaviour.
A) TRUE
B) FALSE
C) Depends on the geographical location of our office.
D) Depends on the local laws and customs

Question 51
While attending to our customers, we should not:
A) Hide any fact about Banks products or services.
B) Compromise with quality of service in any situation.
C) Ever delay in redressing the customer grievances.
D) All of the above

Question 52
Bank is committed to providing ________growth opportunities to all its employees without any discrimination
based on caste, creed, gender, race or religion.
A) Discriminated
B) Favoured
C) Equal
D) Distinguished

Question 53
As a Supervisor or Manager, you are vested with added responsibilities by our Code.
A) TRUE
B) FALSE
C) Applies to officials working as Branch Heads
D) Applies only to officials working in LHO's/ Corporate Centre

Question 54
An employee working in a rural branch. is commuting through crowded public transport system to reach the
branch every day. Is it OK if he wears jeans and t-shirt for work?
A) Yes; It is allowed
B) Yes; It is allowed on weekends
C) Allowed occasionally as a special case
D) Not allowed
 Code of Ethics
Question 55
The expression gift shall include free transport, boarding, lodging or other service or any other pecuniary
advantage when provided by any person who have official dealings with the Bank.
A) TRUE
B) FALSE
C)True except for free transport
D)True except for boarding/lodging

Question 56
The Bank_______its intermediaries, suppliers and third-party service providers to comply with the same
standards of sustainable and responsible business practices as it does.
A) Expects
B) Compels
C) Forces
D) None of the above

Question 57
By pursuing digital excellence and telling customers about benefits of online channels, we can make banking
A) Simpler
B) Time saving
C) Reliable
D) All of the above

Question 58
We should________confidential information relating to our customers and third parties as we are responsible
for keeping it safe and secure.
A) Disclose
B) Protect
C) Partially disclose
D) Share if requested

Question 59
You are attending to a customer when you get a call from your superior who wants you to come and see him.
What should you do?
A) Ask the customer to wait and see your superior immediately.
B) Rush to meet your superior without informing the customer.
C) Politely tell your superior that you are attending to a customer. Once done, you shall come and see him.
D) None of the above

Question 60
We should endeavour to channelize the __________of economic growth to the needy and the marginalised
through our differentiated banking products & services.
A) Losses
B) Benefits
C) None of the above
D) Both 1 & 2

Question 61
Which of the following statement/s is/are true in respect of Bank’s Non-Retaliation Commitment?
A) Bank strictly prohibits any form of retaliation or intimidation against anyone reporting legitimate concerns.
B) Anyone involved in victimising a person reporting legitimate concerns will be subjected to strict disciplinary
action.
C) Both 1 & 2
D) None of the above
 Code of Ethics
Question 62
We should________engage in any political activity or distribute political literature during work hours or from
the work place or use Banks resources for the same (including Banks email address), unless authorised.
A) Always
B) Actively
C) Not
D) Sometimes

Question 63
To achieve Sustainability and contribute to communities around, we should:
A) Be sensitive to social & environmental risks.
B) Ignore social conscience.
C) Conserve natural resources.
D) Both 1 & 3

Question 64
Why should employees not fear retaliation when refusing to indulge in acts of corruption?
A) The Bank supports political contributions.
B) They have the whistleblower mechanism for protection
C) The Bank encourages unethical practices.
D) Refusing to pay for corruption is allowed

Question 65
When we talk about the principle-Handling Conflicts of Interest- Actual, Potential or Perceived, what is that we
should not do?
A) Using position to derive personal benefits
B) Viewing customer information for non-business reasons.
C) Engaging in insider trading or letting family members do so.
D) All of the above

Question 66
We shall work together with our partners to find new ways to reduce carbon foot prints."- Which value is being
projected by such statement?
A) Ethics
B) Sustainability
C) Service
D) Politeness

Question 67
The Code sets forth minimum standards of______ the Bank expects all staff members to follow
A) Behaviour
B) Education
C) Talent
D) Knowledge

Question 68
What is "GARIMA"?
A) Bank's Policy on Sexual Harassment of Women at Workplace (Prevention, Prohibition and Redressal)
B) Bank's Policy on Work Life Balance
C) Bank's Promotion Policy for Women Employees
D) None of the above
 Code of Ethics
Question 69
What should employees avoid while dealing with customers?
A) Providing a small gift on special occasions
B) Offering hospitality during business meetings
C) Giving or promising any payment, gift, or gratification
D) Sponsoring charitable events

Question 70
What action should employees take if they come across any evidence of corruption or bribery?
A) Report it using the whistleblower mechanism
B) Ignore it and carry on with their work
C) Inform their colleagues privately
D) Offer a gift to the involved party to stop such activities

Question 71
Conflict of Interest arises when?
A) Our personal interest interferes with our professional duties.
B) Keep politics out of role & responsibilities.
C) Treat suppliers & vendors fairly.
D) All of the above

Question 72
We should build and maintain positive and co-operative relationships with colleagues and connect with them
with empathy like an______.
A) External Customer
B) Internal Customer
C) Customer
D) All of the above

Question 73
To contribute to the Communities around, we should:
A) Be sensitive to social & environmental risks
B) Conserve natural resources
C) Connect with communities around - Give back
D) All of the above.

Question 74
Gift may be accepted from near relatives on occassions such as weddings, anniversaries, funerals or religious
functions. Which statement is correct?
A) Up to Scale III Rs 15000/-
B) Up to Scale IV Rs 15000/-
C) Up to Scale V-Rs 15000/-
D) For all officers up to Rs 15000/-

Question 75
An existing supplier has offered a 5 Star holiday package to Manali for awarding a contract to the Regional
Manager. What should he do?
A) Accept it as business consideration
B) Accept the offer and then make payment
C) Refuse the offer
D) Refer to the controller
 Code of Ethics
Question 76
Our Bank is committed to promote a shared and______ growth for nation building through contributing to the
economic development of the communities, we operate in.
A) Profitable
B) Maximum
C) Sustainable
D) Minimum

Question 77
Switching off the lights and PCs while leaving the office reflects which value?
A) Service
B) Ethics
C) Sustainability
D) Politeness

Question 78
What will happen if an employee fails to comply with the Anti-Bribery & Anti-Corruption policy?
A) The Bank will reward them for their honesty.
B) They will receive protection under the whistleblower mechanism.
C) They may face disciplinary action.
D) They will be promoted to a higher position.

Question 79
We should hold on to the Bank's ethical standards even when off-duty as we know that our off-duty conduct is
seen in association with the Bank and impacts its reputation
A) TRUE
B) FALSE
C) Differ from person to person
D) Depends on the particular situation.

Question 80
We should have the highest regard for the dignity of _________ colleagues and ensure with passion that all are
treated fairly and with respect.
A) Senior
B) Junior
C) All
D) None of the above