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Q3451695
Economia Macroeconomia ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451695 Economia
A inflação e o crescimento econômico são dois fenômenos interligados que influenciam diretamente o bem-estar da população e a estabilidade dos mercados. A inflação ocorre quando há um aumento generalizado e sustentado dos preços dos bens e serviços em uma economia. Já o crescimento econômico é medido pelo aumento da produção de bens e serviços, geralmente representado pela variação do Produto Interno Bruto (PIB).
Os governos e bancos centrais utilizam diversas políticas para equilibrar esses fatores, pois inflação excessiva pode corroer o poder de compra da população, enquanto um crescimento econômico baixo pode levar ao desemprego e à recessão.
Diante desse contexto, assinale a alternativa correta:
Alternativas
Q3451694
Conhecimentos Bancários Taxa SELIC e Operações Compromissadas , Políticas Monetária e Fiscal ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451694 Conhecimentos Bancários
A política monetária é um dos principais instrumentos utilizados pelos Bancos Centrais para regular a economia de um país. Por meio do controle da oferta de moeda e das taxas de juros, busca-se equilibrar fatores como inflação, crescimento econômico e estabilidade financeira. No Brasil, essa função é desempenhada pelo Banco Central, que define a Taxa Selic como referência para os juros da economia. Considerando esse contexto, assinale a alternativa correta sobre a relação entre política monetária e taxas de juros: 
Alternativas
Q3451693
Inglês Interpretação de texto | Reading comprehension ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451693 Inglês
Unlocking The AI Growth Multiplier

    For companies across industries, AI can be a powerful growth tool by unlocking insights, capabilities, and productivity. For financial services, it could go even further by transforming how institutions and individuals interact with their financial services providers.
    AI’s contribution to the global economy is currently estimated to be $19.9 trillion through 2030, driving 3.5% of global GDP. Many practical uses of AI are already embedded in industries like financial services, with the technology beginning to transform the way products and services are offered, opening the door to innovation, new operating models, and inspiring how organizations reimagine growth.
    Advancements in AI have enabled financial institutions to leverage large datasets to generate market insights, use generative AI to help improve decision-making and enhance client experience, and harness machine learning and natural language processing to automate. AI is also being used to develop sophisticated trading algorithms, detect fraud and cyber threats, and enhance personalized financial planning.
    AI can increase productivity by 40% through automation of repetitive tasks and optimization of workflows, enabling businesses to achieve more in less time and reallocate time saved to more strategic work. Organizations aim to evolve from utilizing AI for basic automation to autonomous operations, focusing on increasing operating leverage through AI-driven processes with appropriate controls and human oversight. This could help streamline operations, enhance efficiencies, and improve risk management and compliance, helping to scale operations and minimize proportional cost increases.
    AI can also be an important tool for mitigating certain types of risks, as it can help detect anomalies and fraud by continuously monitoring transactions and identifying suspicious activities. AI-enabled scenario creation, analysis, and anomaly detection can help supercharge risk management and control mitigation processes.
     The next phase of AI for financial institutions involves creating new value streams through AI capabilities, preparing for the evolution of financial market infrastructure, and helping other market participants and clients through their transformation journeys. Companies can share best practices for responsible AI, partner with AI companies for continued innovation, and find ways to facilitate interaction between humans and AI.
    While AI can clearly be a growth multiplier, it is imperative to prioritize the responsible development and usage of this technology given the potential risks. Appropriate use of AI within the financial sector relies on comprehensive risk management, governance checks and balances at multiple stages of development, maintaining human involvement through validation, continuous education, and collaborative discourse.
    The responsible and ethical use of AI is not solely achieved through technical safeguards, governance, advanced models, and knowledge sharing, but also through democratization. Organizations must empower their workforce with knowledge and tools to thrive in an AI-driven world. Providing opportunities for upskilling and encouraging collaboration can help employees harness AI responsibly.

Michael Demissie, Christopher Martin and Saed Shonnar. Unlocking The AI Growth Multiplier. Available at: https://www.bny.com/corporate/global/en/insight s/unlocking-the-ai-growth-multiplier.html. Retrieved on: January 28, 2025. Adapted.
From paragraph 8, one can conclude that
Alternativas
Q3451692
Inglês Palavras conectivas | Connective words ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451692 Inglês
Unlocking The AI Growth Multiplier

    For companies across industries, AI can be a powerful growth tool by unlocking insights, capabilities, and productivity. For financial services, it could go even further by transforming how institutions and individuals interact with their financial services providers.
    AI’s contribution to the global economy is currently estimated to be $19.9 trillion through 2030, driving 3.5% of global GDP. Many practical uses of AI are already embedded in industries like financial services, with the technology beginning to transform the way products and services are offered, opening the door to innovation, new operating models, and inspiring how organizations reimagine growth.
    Advancements in AI have enabled financial institutions to leverage large datasets to generate market insights, use generative AI to help improve decision-making and enhance client experience, and harness machine learning and natural language processing to automate. AI is also being used to develop sophisticated trading algorithms, detect fraud and cyber threats, and enhance personalized financial planning.
    AI can increase productivity by 40% through automation of repetitive tasks and optimization of workflows, enabling businesses to achieve more in less time and reallocate time saved to more strategic work. Organizations aim to evolve from utilizing AI for basic automation to autonomous operations, focusing on increasing operating leverage through AI-driven processes with appropriate controls and human oversight. This could help streamline operations, enhance efficiencies, and improve risk management and compliance, helping to scale operations and minimize proportional cost increases.
    AI can also be an important tool for mitigating certain types of risks, as it can help detect anomalies and fraud by continuously monitoring transactions and identifying suspicious activities. AI-enabled scenario creation, analysis, and anomaly detection can help supercharge risk management and control mitigation processes.
     The next phase of AI for financial institutions involves creating new value streams through AI capabilities, preparing for the evolution of financial market infrastructure, and helping other market participants and clients through their transformation journeys. Companies can share best practices for responsible AI, partner with AI companies for continued innovation, and find ways to facilitate interaction between humans and AI.
    While AI can clearly be a growth multiplier, it is imperative to prioritize the responsible development and usage of this technology given the potential risks. Appropriate use of AI within the financial sector relies on comprehensive risk management, governance checks and balances at multiple stages of development, maintaining human involvement through validation, continuous education, and collaborative discourse.
    The responsible and ethical use of AI is not solely achieved through technical safeguards, governance, advanced models, and knowledge sharing, but also through democratization. Organizations must empower their workforce with knowledge and tools to thrive in an AI-driven world. Providing opportunities for upskilling and encouraging collaboration can help employees harness AI responsibly.

Michael Demissie, Christopher Martin and Saed Shonnar. Unlocking The AI Growth Multiplier. Available at: https://www.bny.com/corporate/global/en/insight s/unlocking-the-ai-growth-multiplier.html. Retrieved on: January 28, 2025. Adapted.
In the fragment of paragraph 7 “While AI can clearly be a growth multiplier, it is imperative to prioritize the responsible development and usage of this technology given the potential risks.” (paragraph 7), the word “while” indicates: 
Alternativas
Q3451691
Inglês Vocabulário | Vocabulary , Sinônimos | Synonyms ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451691 Inglês
Unlocking The AI Growth Multiplier

    For companies across industries, AI can be a powerful growth tool by unlocking insights, capabilities, and productivity. For financial services, it could go even further by transforming how institutions and individuals interact with their financial services providers.
    AI’s contribution to the global economy is currently estimated to be $19.9 trillion through 2030, driving 3.5% of global GDP. Many practical uses of AI are already embedded in industries like financial services, with the technology beginning to transform the way products and services are offered, opening the door to innovation, new operating models, and inspiring how organizations reimagine growth.
    Advancements in AI have enabled financial institutions to leverage large datasets to generate market insights, use generative AI to help improve decision-making and enhance client experience, and harness machine learning and natural language processing to automate. AI is also being used to develop sophisticated trading algorithms, detect fraud and cyber threats, and enhance personalized financial planning.
    AI can increase productivity by 40% through automation of repetitive tasks and optimization of workflows, enabling businesses to achieve more in less time and reallocate time saved to more strategic work. Organizations aim to evolve from utilizing AI for basic automation to autonomous operations, focusing on increasing operating leverage through AI-driven processes with appropriate controls and human oversight. This could help streamline operations, enhance efficiencies, and improve risk management and compliance, helping to scale operations and minimize proportional cost increases.
    AI can also be an important tool for mitigating certain types of risks, as it can help detect anomalies and fraud by continuously monitoring transactions and identifying suspicious activities. AI-enabled scenario creation, analysis, and anomaly detection can help supercharge risk management and control mitigation processes.
     The next phase of AI for financial institutions involves creating new value streams through AI capabilities, preparing for the evolution of financial market infrastructure, and helping other market participants and clients through their transformation journeys. Companies can share best practices for responsible AI, partner with AI companies for continued innovation, and find ways to facilitate interaction between humans and AI.
    While AI can clearly be a growth multiplier, it is imperative to prioritize the responsible development and usage of this technology given the potential risks. Appropriate use of AI within the financial sector relies on comprehensive risk management, governance checks and balances at multiple stages of development, maintaining human involvement through validation, continuous education, and collaborative discourse.
    The responsible and ethical use of AI is not solely achieved through technical safeguards, governance, advanced models, and knowledge sharing, but also through democratization. Organizations must empower their workforce with knowledge and tools to thrive in an AI-driven world. Providing opportunities for upskilling and encouraging collaboration can help employees harness AI responsibly.

Michael Demissie, Christopher Martin and Saed Shonnar. Unlocking The AI Growth Multiplier. Available at: https://www.bny.com/corporate/global/en/insight s/unlocking-the-ai-growth-multiplier.html. Retrieved on: January 28, 2025. Adapted.
In the excerpt of paragraph 3 “and harness machine learning and natural language processing to automate”, the term harness can be replaced, with no change in meaning, by
Alternativas
Q3451690
Inglês Pronomes | Pronouns , Interpretação de texto | Reading comprehension ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451690 Inglês
Unlocking The AI Growth Multiplier

    For companies across industries, AI can be a powerful growth tool by unlocking insights, capabilities, and productivity. For financial services, it could go even further by transforming how institutions and individuals interact with their financial services providers.
    AI’s contribution to the global economy is currently estimated to be $19.9 trillion through 2030, driving 3.5% of global GDP. Many practical uses of AI are already embedded in industries like financial services, with the technology beginning to transform the way products and services are offered, opening the door to innovation, new operating models, and inspiring how organizations reimagine growth.
    Advancements in AI have enabled financial institutions to leverage large datasets to generate market insights, use generative AI to help improve decision-making and enhance client experience, and harness machine learning and natural language processing to automate. AI is also being used to develop sophisticated trading algorithms, detect fraud and cyber threats, and enhance personalized financial planning.
    AI can increase productivity by 40% through automation of repetitive tasks and optimization of workflows, enabling businesses to achieve more in less time and reallocate time saved to more strategic work. Organizations aim to evolve from utilizing AI for basic automation to autonomous operations, focusing on increasing operating leverage through AI-driven processes with appropriate controls and human oversight. This could help streamline operations, enhance efficiencies, and improve risk management and compliance, helping to scale operations and minimize proportional cost increases.
    AI can also be an important tool for mitigating certain types of risks, as it can help detect anomalies and fraud by continuously monitoring transactions and identifying suspicious activities. AI-enabled scenario creation, analysis, and anomaly detection can help supercharge risk management and control mitigation processes.
     The next phase of AI for financial institutions involves creating new value streams through AI capabilities, preparing for the evolution of financial market infrastructure, and helping other market participants and clients through their transformation journeys. Companies can share best practices for responsible AI, partner with AI companies for continued innovation, and find ways to facilitate interaction between humans and AI.
    While AI can clearly be a growth multiplier, it is imperative to prioritize the responsible development and usage of this technology given the potential risks. Appropriate use of AI within the financial sector relies on comprehensive risk management, governance checks and balances at multiple stages of development, maintaining human involvement through validation, continuous education, and collaborative discourse.
    The responsible and ethical use of AI is not solely achieved through technical safeguards, governance, advanced models, and knowledge sharing, but also through democratization. Organizations must empower their workforce with knowledge and tools to thrive in an AI-driven world. Providing opportunities for upskilling and encouraging collaboration can help employees harness AI responsibly.

Michael Demissie, Christopher Martin and Saed Shonnar. Unlocking The AI Growth Multiplier. Available at: https://www.bny.com/corporate/global/en/insight s/unlocking-the-ai-growth-multiplier.html. Retrieved on: January 28, 2025. Adapted.
In the sentence of paragraph 1 “For financial services, it could go even further by transforming how institutions and individuals interact with their financial services providers.”, the pronoun it refers to
Alternativas
Q3451689
Inglês Interpretação de texto | Reading comprehension ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451689 Inglês
Unlocking The AI Growth Multiplier

    For companies across industries, AI can be a powerful growth tool by unlocking insights, capabilities, and productivity. For financial services, it could go even further by transforming how institutions and individuals interact with their financial services providers.
    AI’s contribution to the global economy is currently estimated to be $19.9 trillion through 2030, driving 3.5% of global GDP. Many practical uses of AI are already embedded in industries like financial services, with the technology beginning to transform the way products and services are offered, opening the door to innovation, new operating models, and inspiring how organizations reimagine growth.
    Advancements in AI have enabled financial institutions to leverage large datasets to generate market insights, use generative AI to help improve decision-making and enhance client experience, and harness machine learning and natural language processing to automate. AI is also being used to develop sophisticated trading algorithms, detect fraud and cyber threats, and enhance personalized financial planning.
    AI can increase productivity by 40% through automation of repetitive tasks and optimization of workflows, enabling businesses to achieve more in less time and reallocate time saved to more strategic work. Organizations aim to evolve from utilizing AI for basic automation to autonomous operations, focusing on increasing operating leverage through AI-driven processes with appropriate controls and human oversight. This could help streamline operations, enhance efficiencies, and improve risk management and compliance, helping to scale operations and minimize proportional cost increases.
    AI can also be an important tool for mitigating certain types of risks, as it can help detect anomalies and fraud by continuously monitoring transactions and identifying suspicious activities. AI-enabled scenario creation, analysis, and anomaly detection can help supercharge risk management and control mitigation processes.
     The next phase of AI for financial institutions involves creating new value streams through AI capabilities, preparing for the evolution of financial market infrastructure, and helping other market participants and clients through their transformation journeys. Companies can share best practices for responsible AI, partner with AI companies for continued innovation, and find ways to facilitate interaction between humans and AI.
    While AI can clearly be a growth multiplier, it is imperative to prioritize the responsible development and usage of this technology given the potential risks. Appropriate use of AI within the financial sector relies on comprehensive risk management, governance checks and balances at multiple stages of development, maintaining human involvement through validation, continuous education, and collaborative discourse.
    The responsible and ethical use of AI is not solely achieved through technical safeguards, governance, advanced models, and knowledge sharing, but also through democratization. Organizations must empower their workforce with knowledge and tools to thrive in an AI-driven world. Providing opportunities for upskilling and encouraging collaboration can help employees harness AI responsibly.

Michael Demissie, Christopher Martin and Saed Shonnar. Unlocking The AI Growth Multiplier. Available at: https://www.bny.com/corporate/global/en/insight s/unlocking-the-ai-growth-multiplier.html. Retrieved on: January 28, 2025. Adapted.
The main purpose of the text is to: 
Alternativas
Q3451688
Matemática Financeira Conceitos fundamentais de Matemática Financeira ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451688 Matemática Financeira
Uma dívida de R$ 20.000,00 é paga com juros de 2% ao mês, em 10 meses, pelo sistema de amortização constante (SAC). O valor pago da última parcela é:
Alternativas
Q3451687
Matemática Financeira Conceitos fundamentais de Matemática Financeira ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451687 Matemática Financeira
Para um capital de R$ 18.000,00, aplicado à taxa anual de 18%, chegar ao montante de R$ 19.096,20, é necessário que fique aplicado por um período de: (considere: 1,0152 = 1,030)
Alternativas
Q3451686
Matemática Aritmética e Problemas ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451686 Matemática
Daniel recebe o salário líquido de R$ 5.800,00 pelos seus trabalhos. Sabendo-se que o desconto do imposto de renda, na fonte, é de 27,5%, o valor bruto do salário de Daniel é:
Alternativas
Q3451685
Matemática Financeira Conceitos fundamentais de Matemática Financeira ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451685 Matemática Financeira
As taxas de juros podem ser classificadas como: Nominal, Efetiva, Real, Proporcional e Equivalente. Em relação a essas taxas, analise as alternativas e marque a incorreta:
Alternativas
Q3451684
Matemática Financeira Conceitos fundamentais de Matemática Financeira ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451684 Matemática Financeira
Qual é, respectivamente, o juro simples e o juro composto gerados pelo capital de R$ 100.000,00, aplicado à taxa simples de 12 % a.a. e pelo prazo de 3 meses?
Alternativas
Q3451683
Direito Penal Efeitos da condenação , Legislação Penal Especial ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451683 Direito Penal
A conduta denominada de "lavagem de dinheiro" ou "lavagem de capitais" é tipificada pela Ordem Jurídica Brasileira e encontra previsão detalhada na Lei nº 9.613/1998. Segundo previsão expressa deste Diploma Legal, são efeitos da condenação, além dos previstos no Código Penal: 
Alternativas
Q3451682
Direito Civil Direito das Coisas / Direitos Reais ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451682 Direito Civil
Em um financiamento imobiliário com garantia de hipoteca, o devedor restou inadimplente. O banco alega que pode tomar o imóvel sem judicialização. De acordo com o Código Civil, qual procedimento é válido?
Alternativas
Q3451681
Direito Civil Direito das Coisas / Direitos Reais ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451681 Direito Civil
Determinado cliente de instituição financeira intenta adquirir um imóvel financiado. O gerente de tal instituição financeira sugere a adoção do contrato de alienação fiduciária em garantia. O cliente fica em dúvida em relação à sugestão do gerente, pois detém a informação de que a alienação fiduciária em garantia não se aplica a bens imóveis. Sobre a alienação fiduciária, é correto afirmar que: 
Alternativas
Q3451680
Direito Financeiro Atividade Financeira do Estado e Sistema Financeiro Nacional - SFN ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451680 Direito Financeiro
Investidores discutem o papel da CVM no SFN. Um deles alega que a CVM regula apenas ações de empresas estatais. Qual é a abrangência real da CVM no mercado financeiro?
Alternativas
Q3451679
Conhecimentos Bancários Políticas Monetária e Fiscal ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451679 Conhecimentos Bancários
Um jornalista afirmou que o Copom se reúne mensalmente, como o FOMC do Fed americano. Considerando o calendário oficial do BCB, qual é a periodicidade correta das reuniões do Copom?
Alternativas
Q3451678
Conhecimentos Bancários Estrutura do Sistema Financeiro Nacional ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451678 Conhecimentos Bancários
Em uma audiência pública, discutiu-se se o CMN é o único órgão normativo do SFN, no que toca aos mercados de crédito, câmbio, monetário e valores mobiliários. Um especialista mencionou que outros entes também emitem normas setoriais. Quais órgãos, além do CMN, possuem competência normativa no âmbito dos mercados de crédito, câmbio, monetário e valores mobiliários?
Alternativas
Q3451677
Conhecimentos Bancários Estrutura do Sistema Financeiro Nacional , Políticas Monetária e Fiscal ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451677 Conhecimentos Bancários
A Lei Complementar nº. 179, de 2021, atribui ao Banco Central a missão prioritária de garantir a estabilidade econômica. Qual dessas funções é considerada a principal razão de existência do BCB, segundo tal diploma legal?
Alternativas
Q3451676
Economia Macroeconomia ,
Ano: 2024 Banca: Qconcursos Órgão: Banco do Brasil Prova: Qconcursos - 2024 - Banco do Brasil - Agente Comercial (Escriturário) |
Q3451676 Economia
Após uma crise cambial, analistas discutem se o Brasil adota câmbio flutuante ou intervencionista. Um artigo menciona que o BCB ocasionalmente vende dólares para conter a volatilidade. Qual regime cambial melhor descreve essa prática?
Alternativas
Respostas
1481: A
1482: C
1483: E
1484: C
1485: A
1486: C
1487: B
1488: B
1489: D
1490: A
1491: E
1492: C
1493: C
1494: D
1495: A
1496: E
1497: D
1498: D
1499: B
1500: A
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