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Banco do Nordeste — Analista Bancário 1 (Brazil)

Practice Questions
2026 Statistics

Key Facts: BASA Técnico Bancário Exam

70 Questions

Total objective multiple-choice items on the official exam

Edital BASA / Fundação Cesgranrio

35 / 70 (50%)

Minimum score on the combined objective test to avoid elimination

Edital BASA nº 1/2024, item 8.1.2

4 Hours

Official examination sitting duration

Edital BASA nº 1/2024, item 9.1

R$ 70,00

Official candidate registration fee

Banco da Amazônia

Amazônia Legal

Geographic jurisdiction of BASA operations

Banco da Amazônia S.A.

Banco da Amazônia Técnico Bancário is a 70-question, 4-hour recruitment exam administered by Cesgranrio with a 50% pass mark for careers at Brazil's Amazon development bank. This page provides 100 free English-language practice MCQs adapted from the official syllabus.

Sample BASA Técnico Bancário Practice Questions

Try these sample questions to test your BASA Técnico Bancário exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 106+ question experience with AI tutoring.

1Within the Brazilian National Financial System (Sistema Financeiro Nacional — SFN), which entity serves as the supreme normative body responsible for formulating monetary and credit policies, setting inflation targets, and regulating financial institutions?
A.Conselho Monetário Nacional (CMN).
B.Banco Central do Brasil (BACEN).
C.Comissão de Valores Mobiliários (CVM).
D.Banco do Brasil S.A. (BB).
Explanation: The National Monetary Council (Conselho Monetário Nacional — CMN) is the supreme normative and deliberative body of the SFN, established by Law No. 4,595/1964. It is responsible for setting general macroeconomic guidelines, fixing inflation targets, and regulating monetary, credit, and foreign exchange policies, while BACEN acts as its chief executive and supervisory authority.
2Under Supplementary Law No. 179/2021 (Lei Complementar nº 179/2021), what fundamental change was established regarding the institutional nature and governance of the Central Bank of Brazil (Banco Central do Brasil)?
A.It was transformed into a mixed-capital company subordinate to the Ministry of Development, Industry and Foreign Trade.
B.It was granted formal operational and administrative autonomy as a special autarchy, with fixed 4-year non-coincident mandates for its Governor and Directors, and no ministerial subordination.
C.Its supervisory mandate over financial institutions was transferred entirely to the Securities and Exchange Commission (CVM).
D.The Governor of BACEN was elevated to Minister of State with cabinet voting rights and direct political dismissal powers by the National Congress.
Explanation: Supplementary Law No. 179/2021 established formal autonomy for BACEN, classifying it as a special autarchy characterized by the absence of hierarchical subordination to any Ministry. Its Governor and eight Directors serve fixed four-year mandates that do not coincide with the President of the Republic's mandate, ensuring operational independence in pursuing price stability and financial stability.
3How does the Monetary Policy Committee (Comitê de Política Monetária — Copom) operationalize monetary policy within the Brazilian Inflation Targeting Regime (Regime de Metas para a Inflação)?
A.Copom sets the Inflation Target directly, while the CMN sets the target for the Selic interest rate (Meta Selic).
B.Copom sets maximum interest rate caps for commercial bank loans, while BACEN fixes retail credit spreads by administrative decree.
C.The CMN sets the multi-year Inflation Target (Meta de Inflação), and Copom establishes the target for the benchmark Selic rate (Meta Selic) and manages liquidity through open market operations.
D.Copom directly fixes the daily US Dollar exchange rate (PTAX) to anchor domestic consumer prices.
Explanation: Under the Brazilian Inflation Targeting framework (Decree No. 3,088/1999 and subsequent updates), the National Monetary Council (CMN) is legally responsible for defining the inflation target (measured by the IPCA) and its tolerance intervals. Copom, a technical committee within BACEN, meets periodically to determine the target for the benchmark Selic rate (Meta Selic) to achieve the CMN inflation target.
4Under Law No. 6,385/1976, which of the following activities and market participants falls exclusively within the supervisory and regulatory jurisdiction of the Brazilian Securities Commission (Comissão de Valores Mobiliários — CVM)?
A.Clearing and settlement of foreign exchange currency transfers between commercial banks.
B.Setting mandatory reserve requirements (recolhimento compulsório) on sight deposits.
C.Supervising closed private pension entities (entidades fechadas de previdência complementar — fundos de pensão).
D.Public issuance, distribution, and trading of shares (ações), corporate debentures, and mutual investment funds (fundos de investimento).
Explanation: CVM is the regulatory autarchy responsible for developing, regulating, and inspecting the securities and capital markets (Law No. 6,385/1976). This covers publicly held corporations (sociedades anônimas abertas), public distributions of equity and debt securities (actions, debentures, commercial papers), stock exchanges, and investment fund administrators.
5According to National Monetary Council (CMN) regulations, what is the mandatory structural requirement for a financial institution to be authorized and operate as a Multiple Bank (Banco Múltiplo)?
A.It must operate at least two operational portfolios (carteiras), with at least one of them being either a commercial portfolio (carteira comercial) or an investment portfolio (carteira de investimento).
B.It must operate in all nine Brazilian geographic states and maintain a rural credit portfolio.
C.It must hold 100% public capital and be chartered exclusively as a development bank.
D.It must maintain at least four distinct portfolios, necessarily including real estate credit and leasing.
Explanation: Under CMN Resolution No. 2,099/1994 (and regulatory updates), a Multiple Bank is a single financial institution with a single legal personality organized with at least two operational portfolios, provided that at least one of them is either a commercial bank portfolio (enabling demand deposit capture) or an investment bank portfolio.
6According to the remuneration rules for savings deposits (Caderneta de Poupança) established by Law No. 12,703/2012, how is the monthly yield calculated for deposits made under the current rule when the Selic target rate is greater than 8.5% per annum?
A.70% of the annualized Selic rate, with no addition of the TR.
B.TR (Taxa Referencial) + fixed interest of 0.5% per month (equivalent to 6.17% per annum).
C.TR + 70% of the annualized Selic rate calculated on a monthly pro-rata basis.
D.Fixed 1.0% per month regardless of TR or inflation variation.
Explanation: Under Law No. 12,703/2012, the yield of savings deposits (Caderneta de Poupança) depends on the Selic target: (1) when Meta Selic > 8.5% p.a., remuneration is TR + fixed 0.5% per month (approx. 6.17% p.a.); (2) when Meta Selic <= 8.5% p.a., remuneration is TR + 70% of the Meta Selic annualized, calculated on a monthly pro-rata basis.
7Why are sight deposits (depósitos à vista) held in commercial banks considered part of the narrow money supply (M1) and a fundamental mechanism of bank money creation (moeda escritural)?
A.Because they generate interest linked to the Selic rate and cannot be mobilized by check or PIX.
B.Because they are 100% backed by physical gold reserves deposited at BACEN.
C.Because they represent immediately available demand liabilities that can be mobilized instantaneously through payment instruments, allowing commercial banks to expand credit through the bank multiplier.
D.Because they are exclusively issued by the National Treasury to finance government fiscal deficits.
Explanation: Sight deposits (depósitos à vista / moeda escritural) are freely available funds held by depositors that can be mobilized on demand via electronic transfers (PIX, TED), debit cards, or checks. Because banks are only required to hold a fraction in compulsory reserves, they lend out the remainder, generating secondary credit expansion and defining the narrow money supply, where M1 equals paper currency held by the public plus sight deposits.
8What is the primary operational distinction between a Bank Deposit Certificate (Certificado de Depósito Bancário — CDB) and a Bank Deposit Receipt (Recibo de Depósito Bancário — RDB)?
A.CDB is issued exclusively by public banks, while RDB is issued exclusively by private investment banks.
B.CDB deposits are exempt from Income Tax (IRPF), while RDB yields are taxed at a flat rate of 35%.
C.RDB is covered by the FGC credit guarantee fund up to R$ 250,000, while CDB has no FGC coverage.
D.CDB is a negotiable credit title that can be transferred or traded in the secondary market prior to maturity, whereas RDB is non-negotiable, non-transferable by endorsement, and tied directly to the issuer.
Explanation: Both CDB and RDB are time deposit instruments issued by banks to capture funding. The critical distinction is that a CDB is a credit security that is negotiable and transferable (by endorsement or through secondary market systems), whereas an RDB is nominative, non-transferable, and non-negotiable on secondary trading platforms.
9Why are Agribusiness Credit Letters (Letras de Crédito do Agronegócio — LCA) and Real Estate Credit Letters (Letras de Crédito Imobiliário — LCI) highly attractive to individual Brazilian retail investors (pessoas físicas)?
A.Their earnings and capital gains are exempt from Personal Income Tax (IRPF) and they are backed by rural and real estate credit assets, in addition to being covered by the FGC.
B.They offer fixed returns guaranteed by the Federal Government with zero credit risk.
C.They grant direct equity ownership in commercial agricultural properties.
D.They allow daily liquidity without any minimum holding period (prazo de carência) under CMN rules.
Explanation: LCAs and LCIs are credit securities issued by financial institutions backed by underlying rural credit operations (LCA) or real estate loans (LCI). For individual investors (pessoas físicas), their yield is exempt from Brazilian Income Tax (IRPF). They also benefit from the Fundo Garantidor de Créditos (FGC) guarantee up to R$ 250,000.
10In the context of financing regional infrastructure and productive investments, what is the main feature of Incentivized Debentures (Debêntures Incentivadas) created under Law No. 12,431/2011?
A.They represent short-term commercial bank sight deposits with daily government subsidies.
B.They are corporate debt bonds issued by non-financial corporations to fund priority infrastructure projects, granting income tax exemption (zero IR) for individual investors and reduced rates for foreign investors.
C.They carry an unconditional guarantee of full repayment by Banco Central do Brasil in case of corporate bankruptcy.
D.They can only be issued by state-owned enterprises located in the Southern region of Brazil.
Explanation: Law No. 12,431/2011 created Incentivized Debentures (Debêntures Incentivadas) to stimulate private financing for priority infrastructure projects (energy, sanitation, logistics, telecommunications). Individual investors (pessoas físicas) residing in Brazil enjoy a 0% Income Tax rate on the yields, and foreign investors benefit from reduced withholding tax rates.

About the BASA Técnico Bancário Exam

The Banco da Amazônia (BASA) Técnico Bancário examination is a competitive public hiring contest (concurso público) organized by Fundação Cesgranrio for mid-level (nível médio) careers at the primary federal regional development bank of the Legal Amazon (Amazônia Legal). BASA plays a strategic role in financing regional infrastructure, agribusiness, family farming (Pronaf), bioeconomy, and commercial development through the Amazon Constitutional Financing Fund (FNO - Fundo Constitucional de Financiamento do Norte). The Anexo II of the 2024 edital divides the 70 items as follows. Conhecimentos Básicos (30 questions, 5 each): Língua Portuguesa I — which explicitly includes official drafting under the Manual de Redação da Presidência da República; Língua Inglesa I; Inovação e Atualidades do Mercado Financeiro; Conhecimento Socioambiental, Compliance e Ética I; Noções de Informática; and Qualidade do Atendimento e Diversidade. Conhecimentos Específicos (40 questions): Matemática Financeira (5), Noções de Probabilidade e Estatística (5), Conhecimentos Bancários (15, including the Fundo Constitucional de Financiamento do Norte under Laws 7.827/1989, 9.126/1995 and 10.177/2001) and Vendas e Negociação (15, including the Código de Defesa do Consumidor and Resolução CMN 4.949/2021).

Assessment

4 hours: 70 multiple-choice questions (30 Conhecimentos Básicos + 40 Conhecimentos Específicos); ranking formula N = CB + 2CE

Time Limit

4 hours

Passing Score

50% of the combined objective score (minimum 35 of 70 points)

Exam Fee

R$ 70,00 (Banco da Amazônia S.A. (BASA) — Organized by Fundação Cesgranrio)

BASA Técnico Bancário Exam Content Outline

21%

Conhecimentos Bancários (15 of 70 official items)

Structure of the National Financial System (SFN), CMN, Banco Central do Brasil and CVM; monetary, credit, capital and foreign-exchange markets; deposit and credit products; capital markets (ações, debêntures, underwriting, mercado de balcão); foreign exchange and SISCOMEX; derivatives; guarantees of the SFN (aval, fiança, penhor mercantil, alienação fiduciária, hipoteca, FGC); the Fundo Constitucional de Financiamento do Norte under Laws 7.827/1989, 9.126/1995 and 10.177/2001; and the money-laundering offence.

21%

Vendas e Negociação (15 of 70 official items)

Business strategy, market analysis and segmentation, perceived customer value, customer-experience management, relationship marketing, the 4 Ps, digital marketing (lead generation, copywriting, inbound), service characteristics (intangibility, inseparability, variability, perishability), the pre-approach-to-after-sales selling cycle, professional selling ethics, service-quality standards, remote sales channels, consumer behaviour, PF and PJ portfolio management, Resolução CMN 4.949/2021 on customer relations, and the Código de Defesa do Consumidor (Lei 8.078/1990).

14%

Matemática Financeira, Probabilidade e Estatística (10 of 70 official items)

Time value of money, simple and compound interest, uniform series, equivalence of capital, amortisation systems (SAC and Sistema Francês/Tabela Price), rational-compound and simple-commercial discounts, arithmetic and geometric progressions; plus variables, frequency distributions, charts, central-tendency measures, quartiles and percentiles, and dispersion measures (range, variance, standard deviation, coefficient of variation).

14%

Conhecimento Socioambiental, Compliance e Ética I; Qualidade do Atendimento e Diversidade (10 of 70 official items)

BASA's Estatuto Social, Política de Responsabilidade Socioambiental and Código de Ética; compliance programmes and internal controls; anti-corruption (Lei 12.846/2013 and Decreto 11.129/2022); anti-money laundering (Lei 9.613/1998, Circular BCB 3.978/2020, Carta Circular 4.001/2020, Resolução CVM 50/2021); information and cyber security (Resolução CMN 4.893/2021); bank secrecy (LC 105/2001); LGPD; Lei 13.303/2016; harassment prevention; relationship marketing, customer satisfaction and retention, telemarketing and service quality; Resolução CMN 4.860/2020 on the Ouvidoria; the Estatuto da Pessoa com Deficiência; the Política Nacional para Mulheres; and racial-equality policy.

7%

Inovação e Atualidades do Mercado Financeiro (5 of 70 official items)

The innovation process, banks in the digital era, internet and mobile banking, Open Banking/Open Finance, complex information ecosystems, new business models, fintechs, startups and big techs, shadow banking, functions of money, blockchain and cryptocurrencies, marketplaces, the PIX instant payment system, digital segmentation, and digital transformation of the financial system.

9%

Noções de Informática (5 of 70 official items)

Operating systems (Windows 10 and Linux), file and folder management, office suites (Microsoft Office and LibreOffice), computer networks and TCP/IP, internet and intranet, threats and protection mechanisms, malware, antivirus and firewalls, browsers, e-mail clients, backup procedures, cloud storage, and remote collaboration tools.

14%

Língua Portuguesa I e Língua Inglesa I (10 of 70 official items)

Portuguese: text comprehension, textual typology, spelling and accentuation, crase, word classes and formation, sentence and period syntax, punctuation, nominal and verbal agreement and government, pronoun placement, synonymy and antonymy, and official drafting under the Manual de Redação da Presidência da República. English: core vocabulary and basic grammar for reading comprehension. Because this bank is an English-language study adaptation, the Língua Portuguesa block is covered through the rules of official drafting (Manual de Redação) rather than through Portuguese grammar exercises, and the Língua Inglesa block is not reproduced, since its skill is already exercised by working through this bank in English.

How to Pass the BASA Técnico Bancário Exam

What You Need to Know

  • Passing score: 50% of the combined objective score (minimum 35 of 70 points)
  • Assessment: 4 hours: 70 multiple-choice questions (30 Conhecimentos Básicos + 40 Conhecimentos Específicos); ranking formula N = CB + 2CE
  • Time limit: 4 hours
  • Exam fee: R$ 70,00

Keys to Passing

  • Work through all 106 available questions
  • Review every answer and explanation
  • Track weak areas and revisit them
  • Use our AI tutor for tough concepts

BASA Técnico Bancário Study Tips from Top Performers

1Study the specific mandate of Banco da Amazônia and the FNO constitutional financing rules under Federal Law No. 7.827/1989.
2Master Resolution CMN 4.945/2021 regarding the Social, Environmental and Climate Responsibility Policy (PRSAC) for financial institutions.
3Practice financial mathematics calculations for SAC and Price loan amortization schedules and compound interest rate conversions.
4Review AML/CFT compliance obligations under Law 9.613/1998 and BCB Circular 3.978/2020 for identifying politically exposed persons (PEPs) and reporting suspicious transactions to COAF.
5Familiarize yourself with the formatting, pronoun usage, and document types specified in the Manual de Redação da Presidência da República.

Frequently Asked Questions

What is the format and passing score for the BASA Técnico Bancário exam?

The official BASA Técnico Bancário exam administered by Cesgranrio consists of 70 multiple-choice questions with five alternatives each (30 Conhecimentos Básicos and 40 Conhecimentos Específicos), worth 1 point each, in a single 4-hour sitting. Candidates who score below 50% of the combined objective total (35/70 points) are eliminated; the remaining candidates are ranked by N = CB + 2CE, so Conhecimentos Específicos counts twice.

What role does the FNO play in the BASA examination?

The Fundo Constitucional de Financiamento do Norte (FNO) is the primary constitutional credit fund managed by Banco da Amazônia. The exam tests its legal framework, credit lines, target sectors (agribusiness, industry, services, infrastructure), and regional development priorities across the Amazônia Legal states.

What is the registration fee and work schedule for BASA Técnico Bancário?

The registration fee is R$ 70,00. The position follows a standard 30-hour work week (6 hours per day) under the CLT regime, with an initial base salary plus profit sharing (PLR), meal vouchers, and health benefits.

Where are BASA Técnico Bancário positions located?

Positions are distributed across the states comprising the Amazônia Legal region of Brazil, including Acre, Amapá, Amazonas, Maranhão, Mato Grosso, Pará, Rondônia, Roraima, and Tocantins.

How does this practice bank adapt the Portuguese-language exam?

The official BASA exam is written entirely in Portuguese. This page is an English-language MCQ study adaptation of the Cesgranrio conteúdo programático — not an official translation and not a simulation of the exam's language environment. Question stems, options and explanations are in English, while official career names, statute names, programme names and Brazilian technical terms are kept in Portuguese inline so you can recognise them on the real paper.