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Banco do Brasil Escriturário — Agente de Tecnologia (Brazil)

Practice Questions100 questions

2026 Statistics

Key Facts: Banco do Brasil Agente Comercial Exam

70 Questions

Official exam length (25 Basic + 45 Specific MCQs)

Fundação Cesgranrio / Banco do Brasil Edital

5 Hours

Total official examination time limit including the redação

Fundação Cesgranrio

R$ 50,00

Official candidate registration fee

Banco do Brasil Edital

50% + 70/100

Minimum passing score (50% on MCQs and 70 points on redação)

Fundação Cesgranrio

Ensino Médio

Minimum required education level (high school completion)

Banco do Brasil

Banco do Brasil Agente Comercial tests retail banking candidates in a 5-hour session with 70 MCQs and an essay, covering banking operations, financial math, sales, and IT under Cesgranrio editais. This page provides 100 free English-language practice MCQs adapted from the official syllabus.

Sample Banco do Brasil Agente Comercial Practice Questions

Try these sample questions to test your Banco do Brasil Agente Comercial exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1The Conselho Monetário Nacional (CMN) is the highest normative body of Brazil's Sistema Financeiro Nacional (SFN). What is its principal responsibility within the institutional structure of the Brazilian financial system?

A.Setting the general guidelines and rules for the country's monetary, credit and foreign exchange policies.

B.Directly supervising bank branches and applying administrative penalties for operational infractions.

C.Issuing banknotes and coins and running the currency-in-circulation services.

D.Carrying out rediscount operations and liquidity lending to banking institutions.

Explanation: The CMN is a purely normative and deliberative body. It sets the general guidelines for monetary, exchange rate and credit policy, defines the inflation target and works to keep the SFN sound. It has no direct executive or supervisory functions of its own; those belong to the Banco Central do Brasil.

2The composition of the Conselho Monetário Nacional (CMN) is set by statute. Which three members currently make up the CMN?

A.The Minister of Fazenda, the Minister of Planejamento e Orçamento and the Governor of the Banco Central do Brasil.

B.The President of the Republic, the Minister of Fazenda and the President of Banco do Brasil.

C.The Governor of the Banco Central, the President of the CVM and the Director-General of the Federal Police.

D.The Minister of Fazenda, the President of Caixa Econômica Federal and the President of BNDES.

Explanation: Since 1994 the CMN has had just three members: the Minister of Fazenda, who chairs it, the Minister of Planejamento e Orçamento, and the Governor of the Banco Central do Brasil. The small membership is deliberate, since the CMN is a policy-setting council rather than an operational body.

3The Comitê de Política Monetária (Copom) of the Banco Central do Brasil meets on a regular 45-day cycle to set the economy's benchmark interest rate. What is the name of the reference rate that Copom sets?

A.The Taxa Selic Meta.

B.The Taxa DI (CDI Over).

C.The Taxa Referencial (TR).

D.The Taxa de Longo Prazo (TLP).

Explanation: Copom sets the Selic target rate (Taxa Selic Meta), which is the benchmark for the Brazilian economy. The Banco Central then steers the effective overnight rate, the Selic Over, toward that target through open market operations with federal government securities.

4The Comissão de Valores Mobiliários (CVM) is an autarchy linked to the Ministry of Fazenda. Which specific segment of the Sistema Financeiro Nacional does it regulate, supervise and develop?

A.The securities market, including shares, debentures, investment funds and derivatives.

B.The private insurance, reinsurance and open supplementary pension market.

C.The credit cooperative market and real estate consortia.

D.The foreign exchange market and international remittances.

Explanation: The CVM supervises the securities market: public offerings, listed companies, investment funds, derivatives, and the intermediaries and market infrastructures that serve them. Its purpose is to protect investors and keep the market efficient and transparent.

5In banking intermediation, operations are classified as active or passive from the point of view of the bank's balance sheet. Which option correctly characterises a passive operation (operação passiva)?

A.The bank raises funds from the public and records an obligation to repay, as with demand deposits, time deposits and savings accounts.

B.The bank lends funds to customers and records a claim, as with working capital loans and payroll-deductible credit.

C.The bank charges a fee for a service such as bill collection or safe deposit box rental.

D.The bank buys foreign currency on its own account to close a proprietary trading position.

Explanation: A passive operation is one in which the bank raises funds and therefore takes on a liability toward the depositor or investor. Deposits, CDBs, LCIs, LCAs and financial letters are all passive operations. Active operations are the mirror image: the bank places funds and records an asset, as in lending.

6Which of the following passive banking operations represents funding raised without any obligatory remuneration, movable at any moment by debit card, transfer or Pix?

A.The demand deposit held in a checking account (depósito à vista em conta corrente).

B.The Certificado de Depósito Bancário (CDB).

C.The Letra de Crédito do Agronegócio (LCA).

D.The Recibo de Depósito Bancário (RDB).

Explanation: A demand deposit is money the customer can withdraw or transfer at any moment without notice, and Brazilian banks pay no obligatory interest on it. That combination of immediate liquidity and zero mandatory remuneration is exactly what distinguishes it from term funding instruments.

7Under Lei nº 12.703/2012, when the Selic target rate is above 8.5% per year, how are savings account (caderneta de poupança) deposits held by individuals remunerated?

A.0.5% per month, equivalent to about 6.17% per year, plus the variation of the Taxa Referencial (TR).

B.70% of the annualised Selic target plus the variation of the TR.

C.100% of the accumulated DI rate over the 30-day period.

D.The accumulated IPCA for the month plus a fixed rate of 3.0% per year.

Explanation: Lei nº 12.703/2012 created a two-branch rule. When the Selic target is above 8.5% per year, the old formula applies and savings pay a fixed 0.5% per month, about 6.17% per year, plus the TR. When the Selic target is at or below 8.5% per year, savings instead pay 70% of the Selic target plus the TR, which prevents savings from out-yielding government paper in a low-rate environment.

8The Fundo Garantidor de Créditos (FGC) protects investors and account holders if a member institution is subject to intervention or extrajudicial liquidation. What is the ordinary FGC guarantee limit per CPF or CNPJ per institution?

A.Up to R$ 250,000.00, subject to an overall ceiling of R$ 1,000,000.00 per four-year period.

B.Up to R$ 100,000.00 per bank account, with no consolidated maximum.

C.Up to R$ 500,000.00 per financial institution regardless of the number of joint accounts.

D.Up to R$ 1,000,000.00 per financial conglomerate with unrestricted coverage for equity funds.

Explanation: The FGC guarantees up to R$ 250,000.00 per depositor per institution or financial conglomerate. Since 2017 there has also been a global ceiling of R$ 1,000,000.00 per depositor across all member institutions, renewable every four years, which stops investors from spreading unlimited sums across many small banks to capture the guarantee repeatedly.

9Which of the following financial instruments is NOT covered by the Fundo Garantidor de Créditos (FGC)?

A.Debentures issued by non-financial corporations.

B.Certificado de Depósito Bancário (CDB).

C.Letra de Crédito Imobiliário (LCI).

D.The balance held in a savings account (caderneta de poupança).

Explanation: The FGC guarantees deposits and instruments issued by its member financial institutions. Debentures are corporate debt issued by non-financial companies, so the investor is exposed directly to that company's credit risk with no FGC protection. The same is true of shares, investment funds and CRIs or CRAs.

10In payroll-deductible personal credit (crédito consignado), the borrower authorises the instalments to be deducted directly from their payroll or social security benefit. Why does this product usually carry lower interest rates than ordinary personal credit?

A.Because default risk is substantially reduced by the deduction being made at source by the paying entity.

B.Because payroll-deductible credit operations are fully subsidised by the National Treasury.

C.Because legislation exempts this credit line from IOF.

D.Because the institution may automatically seize the borrower's real property without a court action.

Explanation: Interest rates price risk. When the instalment is withheld from salary or pension before the borrower ever receives the money, the probability of default falls sharply, so the lender can charge a much lower spread. This is why consignado rates are typically a fraction of unsecured personal loan rates.

About the Banco do Brasil Agente Comercial Exam

The Banco do Brasil Escriturário — Agente Comercial examination is the nationwide competitive civil-service entrance test administered by Fundação Cesgranrio for entry-level retail banking personnel at Banco do Brasil S.A., Brazil's oldest and largest public commercial bank. The role focuses on customer relationship management, banking product sales, credit origination, financial advisory, and compliance. The official exam comprises 70 multiple-choice questions across basic and specific knowledge blocks plus a dissertative-argumentative essay (redação). Tested areas include the National Financial System (SFN), Brazilian Central Bank (BACEN) and CMN regulatory standards, retail banking products (checking accounts, investments, credit cards, rural credit, insurance), sales and negotiation techniques, customer relationship marketing, consumer protection under the Código de Defesa do Consumidor (CDC), information technology, and financial mathematics.

Assessment

5 hours: 25 Basic Knowledge MCQs (Portuguese, English, Math, Financial Market Trends), 45 Specific Knowledge MCQs (Financial Math, Banking Knowledge, IT, Sales & Negotiation), and 1 Redação

Time Limit

5 hours

Passing Score

50% overall (minimum 50% in Basic and 50% in Specific modules, non-zero in each subject, and >= 70/100 points in redação)

Exam Fee

R$ 50,00 (Banco do Brasil S.A. (Organized by Fundação Cesgranrio))

Banco do Brasil Agente Comercial Exam Content Outline

25%

Conhecimentos Bancários (Banking Knowledge & SFN)

Structure of the National Financial System (SFN: CMN, BACEN, CVM, commercial banks, multiple banks, credit unions), banking products and services, rural and commercial credit, guarantees (aval, fiança, alienação fiduciária, penhor, hipoteca), foreign exchange operations, financial market securities (CDB, LCI, LCA, CRI, CRA, debentures), and anti-money laundering regulations (Lei 9.613/1998 and COAF).

25%

Vendas e Negociação (Sales, Negotiation & Service)

Commercial negotiation techniques, consultative sales in retail banking, customer relationship management (CRM), customer satisfaction and retention metrics (NPS, CSAT, churn), handling objections, ethics and conduct in customer relations, Ouvidoria banking standards, General Data Protection Law (LGPD Lei 13.709/2018), and Consumer Protection Code (CDC Lei 8.078/1990).

20%

Conhecimentos de Informática (IT & Digital Banking)

Productivity applications (Microsoft Office 365, Word, Excel, PowerPoint), corporate operating systems (Windows, Linux), internet search concepts, cloud computing concepts, information security, malware protection, phishing prevention, digital banking channels, mobile banking applications, and digital certificates (ICP-Brasil).

15%

Matemática Financeira (Financial Mathematics)

Simple and compound interest calculations, nominal vs effective interest rates, equivalent interest rates, discounted cash flows, annuities and perpetuities, loan amortization systems (Sistema de Amortização Constante - SAC and Sistema Francês / Tabela Price), and internal rate of return (IRR) / net present value (NPV) concepts.

15%

Língua Portuguesa, Língua Inglesa & Atualidades Financeiras

Textual comprehension and interpretation, Portuguese grammar and syntax, English reading comprehension in financial contexts, Brazilian financial market innovations (PIX, Open Finance, Drex / digital real, fintechs, shadow banking), and Environmental, Social, and Governance (ESG) standards in green banking and sustainable finance.

How to Pass the Banco do Brasil Agente Comercial Exam

What You Need to Know

Passing score: 50% overall (minimum 50% in Basic and 50% in Specific modules, non-zero in each subject, and >= 70/100 points in redação)
Assessment: 5 hours: 25 Basic Knowledge MCQs (Portuguese, English, Math, Financial Market Trends), 45 Specific Knowledge MCQs (Financial Math, Banking Knowledge, IT, Sales & Negotiation), and 1 Redação
Time limit: 5 hours
Exam fee: R$ 50,00

Keys to Passing

Work through all 100 available questions
Review every answer and explanation
Track weak areas and revisit them
Use our AI tutor for tough concepts

Banco do Brasil Agente Comercial Study Tips from Top Performers

1Master the structure of the National Financial System (SFN), clearly distinguishing normative bodies (CMN, CNSP, CNPC) from regulatory/supervisory entities (BACEN, CVM, SUSEP, PREVIC) and financial operating institutions.

2Practice financial mathematics calculations without a financial calculator: master compound interest compounding, conversion of nominal to effective rates, and exact payment/amortization schedules under SAC and Tabela Price.

3Understand consumer protection rules under the Código de Defesa do Consumidor (CDC) and BACEN customer service regulations, including banking fees, contract transparency, and Ouvidoria escalation procedures.

4Study modern Brazilian banking innovations including PIX payment mechanics, Open Finance data sharing frameworks, Drex central bank digital currency, and ESG banking criteria.

5Train retail negotiation scenarios focusing on customer discovery, consultative product matching, overcoming objections, and compliant cross-selling of banking and investment products.

Frequently Asked Questions

What is the format of the Banco do Brasil Escriturário Agente Comercial exam?

The official exam organized by Fundação Cesgranrio consists of 70 multiple-choice questions (25 basic knowledge and 45 specific knowledge, with 5 options each) worth 100 points, plus an argumentative essay (redação) worth 100 points, completed in a single 5-hour session.

What are the minimum passing requirements for the BB Agente Comercial exam?

Candidates must achieve at least 50% of the total points in the objective exam, obtain at least 50% in the Basic Knowledge block and 50% in the Specific Knowledge block, score above zero in all individual subjects, and achieve at least 70 out of 100 points on the redação.

What education level is required to apply for the Banco do Brasil Agente Comercial role?

The position requires a completed secondary education diploma (Ensino Médio completo) recognized by the Brazilian Ministry of Education (MEC) at the time of hiring.

What is the registration fee for the Banco do Brasil concurso?

The standard registration fee set in the official edital is R$ 50,00, with fee waivers (isenção) available for candidates registered in the Federal Government's CadÚnico program or registered bone marrow donors.

How is the 100-question practice bank on OpenExamPrep structured?

This practice bank is an English-language MCQ study adaptation containing 100 comprehensive questions proportionally distributed across Banking Knowledge, Sales & Negotiation, IT, Financial Mathematics, and Financial Market Innovations to help candidates master all exam concepts.