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Practice Questions106 questions

2026 Statistics

Key Facts: BNB Analista Bancário 1 Exam

60 Questions

Total multiple-choice items on the official exam

Edital nº 1/2024 - BNB

50 / 100 Pts

Minimum qualifying score required to pass

Fundação Cesgranrio

4 Hours

Official exam duration

Edital BNB

R$ 65,00

Official candidate registration fee

Banco do Nordeste do Brasil

SUDENE Area

Northeastern states plus northern MG and ES

BNB Institutional Profile

Banco do Nordeste Analista Bancário 1 is a 60-question public recruitment exam administered by Cesgranrio for positions at BNB. This page provides 100 free English-language practice MCQs adapted from the official BNB syllabus.

Sample BNB Analista Bancário 1 Practice Questions

Try these sample questions to test your BNB Analista Bancário 1 exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Regarding the legal nature, corporate structure, and statutory mission of Banco do Nordeste do Brasil S.A. (BNB) established under Federal Law 1.649/1952, which statement is correct?

A.It is a publicly traded mixed-capital corporation (sociedade de economia mista aberta) with majority federal ownership, combining commercial banking with regional development execution.

B.It is an autarchy subordinate directly to SUDENE without commercial operating authorization from the Banco Central do Brasil.

C.It is a private non-profit development agency funded exclusively by international multilateral donations.

D.It is a 100% federally owned public company strictly prohibited from offering commercial banking services to individuals.

Explanation: Banco do Nordeste do Brasil S.A. (BNB) was created by Federal Law 1.649/1952 as a publicly traded mixed-capital corporation (sociedade de economia mista) controlled by the Federal Union. It operates as a full-service financial institution and regional development bank, integrating commercial banking activities with the execution of federal public policies and constitutional funds across its area of operation.

2What constitutes the legally defined geographic area of operation (área de atuação) of Banco do Nordeste do Brasil S.A.?

A.The nine states of the Northeast Region and the entire state of Minas Gerais.

B.All nine states of the Northeast Region, plus the northern region of Minas Gerais (including the Jequitinhonha and Mucuri valleys) and the northern region of Espírito Santo.

C.The entire Legal Amazon (Amazônia Legal) region alongside the nine northeastern states.

D.Strictly the nine states comprising the Northeast political-geographic region of Brazil.

Explanation: BNB's statutory area of operation corresponds to the SUDENE regional development perimeter. This comprises the entire Northeast Region (Maranhão, Piauí, Ceará, Rio Grande do Norte, Paraíba, Pernambuco, Alagoas, Sergipe, Bahia), as well as the north of the state of Minas Gerais (including the Jequitinhonha and Mucuri valleys) and municipalities in the north of Espírito Santo, encompassing the Brazilian Semiárido (Semi-Arid region).

3Under Article 159, item I, line 'c' of the 1988 Federal Constitution and Law 7.827/1989, how are federal tax revenues allocated to the Constitutional Financing Funds (FNE, FNO, FCO), and what share is designated specifically to the Northeast (FNE)?

A.10% of federal excise tax (IPI) revenue is divided equally among all five Brazilian geographic macro-regions.

B.1% of national gross domestic product (PIB) is deposited annually into BNB's institutional reserves.

C.3% of federal collections of IRPF/IRPJ and IPI are earmarked for the three regional funds, with 60% of this total (1.8% of the overall taxes) dedicated to the FNE.

D.5% of the total revenue from CSLL and COFINS is transferred directly to the FNE exclusively.

Explanation: Under CF/1988 (Art. 159, I, 'c') and Law 7.827/1989, 3% of the collection of Income Taxes (IR) and the Industrialized Products Tax (IPI) is allocated to the Constitutional Funds for the financing of productive sectors: 1.8 percentage points (60% of the 3%) goes to the Northeast (FNE), 0.6 percentage points (20%) to the North (FNO), and 0.6 percentage points (20%) to the Center-West (FCO).

4What is the statutory role of Banco do Nordeste do Brasil S.A. in the operation and administration of the Fundo Constitucional de Financiamento do Nordeste (FNE) pursuant to Law 7.827/1989?

A.BNB serves exclusively as an external auditor, while the Ministry of Finance decides individual loan approvals.

B.BNB acts only as a passive custody depository, while SUDENE performs all direct credit evaluations and contracts with individual borrowers.

C.BNB shares operating authority equally with private commercial banks that auction FNE lines at the B3 stock exchange.

D.BNB is the sole operating and financial agent (agente operador e financeiro), responsible for credit analysis, risk assumption within statutory rules, contracting, and resource disbursement.

Explanation: According to Law 7.827/1989, Banco do Nordeste (BNB) is the official financial institution responsible for administering the FNE. BNB operates the fund, evaluates economic-financial feasibility, analyzes collateral, assumes credit risk under legal parameters, signs financing contracts, and applies FNE resources directly to productive economic initiatives.

5Which body is legally responsible for defining regional guidelines, approving annual application programs, and setting spatial priorities for FNE resources managed by BNB?

A.The Deliberative Council of SUDENE (Conselho Deliberativo da SUDENE — Condel).

B.The Executive Board of the Brazilian Development Bank (BNDES).

C.The Joint Parliamentary Budget Committee (Comissão Mista de Planos, Orçamentos Públicos e Fiscalização — CMO).

D.The Board of Governors of the Banco Central do Brasil (BACEN).

Explanation: Under Law 7.827/1989 and Complementary Law 125/2007, the Deliberative Council of SUDENE (Condel/SUDENE) is the regional collegiate body that establishes regional development guidelines, approves the annual financing programs (Programas de Aplicação) for FNE, and defines priority sub-regions such as the Semiárido.

6Under Law 7.827/1989 and SUDENE directives, which segments receive statutory priority in the allocation and favorable terms of FNE credit operations?

A.State-owned utility monopolies operating outside the SUDENE perimeter.

B.Mini, small, and medium rural producers, micro and small business enterprises (MPEs), and ventures located within the Semiárido and low-income municipalities.

C.Real estate speculative funds investing exclusively in luxury commercial real estate.

D.Large multinational industrial conglomerates located in state capital metropolitan regions.

Explanation: Law 7.827/1989 explicitly establishes that FNE financing must prioritize smaller economic agents (mini/small rural producers, micro and small enterprises), labor-intensive sectors, the semi-arid region (Semiárido), and municipalities with low socio-economic development indices (classified under the PRDNE / Política Nacional de Desenvolvimento Regional).

7Following legislative modernization (Law 10.177/2001, Law 13.682/2018, and Law 14.227/2021), how are financial charges (encargos financeiros) structured for FNE credit operations?

A.Exclusively through a zero-interest barter arrangement based on commodity physical weights.

B.Exclusively by adding a fixed 12% annual flat margin over the London Interbank Offered Rate (LIBOR).

C.Through the Taxa de Juros dos Fundos Constitucionais (TFC), combining a component pegged to the IPCA or NTN-B with a differentiation coefficient that favors smaller borrowers and semi-arid locations.

D.Through a floating fee determined daily by commercial banks without regulatory ceiling from the CMN.

Explanation: Law 13.682/2018 and subsequent updates established the Taxa de Juros dos Fundos Constitucionais (TFC). The TFC is composed of a financial component linked to government bond yields/IPCA (or prefixed rates) multiplied by a rebate factor (Fator de Diferenciação) based on borrower size, sector, and geographic location (with maximum incentives for small rural and semi-arid borrowers).

8In FNE credit operations, what is the purpose and operating mechanism of the 'Bônus de Adimplência' (Compliance/Timely Payment Rebate)?

A.It provides a cash prize to bank branch managers who grant the largest volume of loans.

B.It converts 50% of the loan principal into non-reimbursable equity for public stock market listing.

C.It forces the borrower to pay a double interest penalty during the first year of the contract.

D.It grants a contractual percentage discount on interest charges to borrowers who pay their installment on or before the contractual due date.

Explanation: The Bônus de Adimplência is a key incentive in FNE and rural financing operations governed by Law 7.827/1989 and Law 10.177/2001. When the borrower repays an amortization installment strictly on or before its scheduled due date, a predetermined percentage discount is applied to the interest due, effectively reducing financial costs for disciplined borrowers.

9How does BNB derive institutional compensation and handle credit risk when administering and lending FNE resources under Law 7.827/1989?

A.BNB receives an administration fee (taxa de administração) and a del credere fee for operations where it bears credit default risk, sharing or absorbing risk based on statutory tiers.

B.BNB retains 100% of all principal repayments as net profit while the Federal Treasury absorbs all defaults without oversight.

C.BNB receives no administrative remuneration, funding its operations entirely through external municipal bond issuances.

D.BNB charges borrowers an upfront, non-refundable commission of 25% of the loan amount.

Explanation: Under Law 7.827/1989, BNB is remunerated for managing the FNE through an administration fee (taxa de administração) calculated on the fund's net equity, and receives del credere remuneration when it bears credit risk. In standard non-exempt operations, BNB assumes 100% of the credit risk or a legally specified share, aligning the bank's incentives with prudent credit underwriting.

10Crediamigo is Banco do Nordeste's flagship urban microcredit program. What core methodology characterizes its operation under the National Program of Productive Oriented Microcredit (PNMPO — Law 13.636/2018)?

A.Collateralized lending requiring gold deposits or federal government bonds as security.

B.Direct on-site client assistance by specialized microcredit loan officers (agentes de crédito) and the widespread use of joint-liability solidarity groups (aval solidário).

C.Exclusively digital algorithmic lending requiring audited corporate balance sheets and registered real estate mortgages.

D.Interest-free loans disbursed exclusively to municipal governments for paving urban avenues.

Explanation: Crediamigo follows the methodology of Microcrédito Produtivo Orientado (MPO) governed by Law 13.636/2018. In practice it rests on direct contact between the credit agent (Agente de Crédito) and informal or formal micro-entrepreneurs at their place of business, ongoing financial guidance, and heavy use of solidarity groups (grupos solidários / aval solidário) in which members cross-guarantee each other's loans. Note that in-person contact is no longer a statutory requirement: Law 13.999/2020 revoked the rule mandating a face-to-face first contact, and Law 15.364/2026 expressly admits digital and electronic channels for guidance and credit access.

About the BNB Analista Bancário 1 Exam

The Banco do Nordeste do Brasil (BNB) Analista Bancário 1 examination is a competitive public selection process (concurso público, Edital nº 1/2024) administered by Fundação Cesgranrio for mid-level (nível médio) careers at Brazil's regional development bank for the Northeast. BNB operates as the federal executive agency for regional development policies across the nine northeastern states plus northern Minas Gerais and northern Espírito Santo (the SUDENE area). BNB is the largest microfinance operator in South America through its landmark microcredit programs: Crediamigo (urban productive microcredit) and Agroamigo (rural family farming microcredit). It also manages the Fundo Constitucional de Financiamento do Nordeste (FNE) and the regional innovation fund FUNDECI. The official exam comprises 60 multiple-choice questions covering Portuguese, logical and quantitative reasoning, financial mathematics, banking knowledge, regional credit instruments, compliance, and financial market innovation.

Assessment

4 hours: 60 multiple-choice questions (20 Conhecimentos Básicos + 40 Conhecimentos Específicos)

Time Limit

4 hours

Passing Score

50% of total points (minimum 50/100 points, 10/20 in basics, 40/80 in specifics)

Exam Fee

R$ 65,00 (Banco do Nordeste do Brasil S.A. (BNB) — Organized by Fundação Cesgranrio)

BNB Analista Bancário 1 Exam Content Outline

25%

Sistema Financeiro Nacional, Serviços e Aspectos Jurídicos (Conhecimentos Bancários, Anexo IV)

Institutions of the SFN and their purposes, the roles of the Conselho Monetário Nacional and Banco Central do Brasil, the federal official financial institutions, banking services (conta corrente, CCF, depósitos à vista e a prazo, fundos, poupança, capitalização, previdência, seguros, convênios de arrecadação, compensação, cobrança, SPB), and the legal side of credit: contracts, cédulas and notas de crédito, fidejussory guarantees (fiança and aval), real guarantees (hipoteca and penhor), alienação fiduciária, and títulos de crédito (nota promissória, duplicata, cheque).

25%

Operações de Crédito Bancário e Riscos (Conhecimentos Bancários, Anexo IV)

Registration of individuals and companies, company types and tax regimes, mandates and powers of attorney, the concept, elements and requirements of credit, the risks of banking activity (credit, market, operational, systemic and liquidity), client and transaction risk variables, general credit lines (crédito pessoal, CDC, desconto de duplicatas e cheques, contas garantidas, capital de giro, cartão de crédito, microcrédito urbano), and specialised credit (crédito rural — concept, beneficiaries, custeio, investimento and comercialização — plus PRONAF, and industrial, agro-industrial, commercial and service credit).

18%

Instrumentos de Desenvolvimento Regional do BNB (FNE, FINAME, FAT, Crediamigo, Agroamigo)

Funding sources for financing under Anexo IV item 2.9: the Fundo Constitucional de Financiamento do Nordeste (FNE / Lei 7.827/1989) — legal basis, purposes, rules and administration; BNDES/FINAME; the Fundo de Amparo ao Trabalhador (FAT); microfinance legal basis and operating model; and BNB's own institutional programmes and legislation as an agent of sustainable development in the Northeast, including Crediamigo (urban oriented productive microcredit under the PNMPO / Lei 13.636/2018), Agroamigo (rural microcredit executing PRONAF Grupo B) and FUNDECI.

10%

Matemática, Raciocínio Lógico e Quantitativo (10 of 60 official items)

Real numbers and operations, proportionality, means, rule of three and percentages, first- and second-degree, exponential and logarithmic functions and inequalities, linear systems, combinatorics and probability, and financial mathematics: simple and compound interest, capitalisation and discounts, nominal, effective, equivalent, proportional, real and apparent rates, amortisation plans, effective cost of financing and investment, and rates of return.

12%

Ética, ASG e Atualidades do Mercado Financeiro (Conhecimentos Bancários, Anexo IV)

Applied ethics, business and professional ethics, ethics management in public and private enterprises, BNB's Código de Conduta Ética e Integridade, BNB's Política de Responsabilidade Socioambiental and ASG (environmental, social and governance) sustainability strategy, and financial-market current affairs: banks in the digital era, internet and mobile banking, Open Banking, new business models, fintechs, startups and big techs, shadow banking, functions of money, blockchain and cryptocurrencies, marketplaces, banking correspondents, payment arrangements, PIX, digital segmentation, digital transformation, the LGPD (Lei 13.709/2018), the anti-corruption law (Lei 12.846/2013 and Decreto 11.129/2022), and cyber security (Resolução CMN 4.893/2021).

10%

Língua Portuguesa (10 of 60 official items) e temas adjacentes de conformidade

Portuguese: comprehension and interpretation of texts, text types and genres, spelling, cohesion mechanisms, morphosyntactic structure, punctuation, agreement, government, crase, pronoun placement, and rewriting of sentences and paragraphs — retained in Portuguese and explained in English, because the tested skill is Portuguese-language competence. This bank also includes a small set of adjacent compliance items (anti-money-laundering under Lei 9.613/1998 and Circular BCB 3.978/2020, bank secrecy under LC 105/2001, and the Código de Defesa do Consumidor). These sit outside the literal 2024 Anexo IV but are standard content in Brazilian bank concursos and in BNB's own compliance duties; treat them as supplementary rather than as blueprint items.

How to Pass the BNB Analista Bancário 1 Exam

What You Need to Know

Passing score: 50% of total points (minimum 50/100 points, 10/20 in basics, 40/80 in specifics)
Assessment: 4 hours: 60 multiple-choice questions (20 Conhecimentos Básicos + 40 Conhecimentos Específicos)
Time limit: 4 hours
Exam fee: R$ 65,00

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

BNB Analista Bancário 1 Study Tips from Top Performers

1Understand the mechanics of the FNE (Fundo Constitucional de Financiamento do Nordeste) under Law 7.827/1989 and its priority regional allocations.

2Master the operational rules of Crediamigo and Agroamigo under the National Productive Oriented Microcredit Program (PNMPO).

3Practice step-by-step financial mathematics problems involving compound interest, rate equivalences, and SAC/Price amortization tables.

4Review AML/CFT identification, diligence, and reporting obligations under Law 9.613/1998 and BCB Circular 3.978/2020.

5Stay current on recent Brazilian financial innovations: PIX payment mechanics, Open Finance data-sharing phases, and DREX pilot architecture.

Frequently Asked Questions

What is the official cargo level for BNB Analista Bancário 1?

Despite the title 'Analista', the Analista Bancário 1 position at Banco do Nordeste is officially a nível médio (high school graduate) entry-level banking position, not a higher-level university-degree career.

What is the passing score for the BNB Analista Bancário 1 exam?

Candidates must achieve at least 50% of the total 100 points, at least 50% on Conhecimentos Básicos (10/20 points), at least 50% on Conhecimentos Específicos (40/80 points), and avoid a zero score in any discipline.

What are Crediamigo and Agroamigo?

Crediamigo is BNB's urban productive oriented microcredit program (the largest in South America), while Agroamigo is BNB's rural microcredit methodology operating under PRONAF Grupo B, providing credit and technical guidance to small farmers.

What is the exam fee and work schedule for BNB Analista Bancário 1?

The application fee is R$ 65,00. The position requires a 30-hour work week (6 hours daily) under the Brazilian CLT labor regime, offering competitive base remuneration, profit sharing (PLR), meal vouchers, and pension plan eligibility.

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

The official BNB 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. Stems, options and explanations are in English, except in the Língua Portuguesa items, where the sentences and answer options remain in Portuguese because Portuguese grammar is the skill being tested. Official career names, statute names and programme names such as FNE, Crediamigo and Agroamigo are kept in Portuguese inline.