Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q5: Consider the following statements regarding "Deemed Officially Valid Documents" (OVDs) submitted when an OVD does not have an updated address:

A utility bill provided as a deemed OVD must not be more than two months old.




A pension payment order (PPO) issued to retired employees by Government Departments is a valid deemed OVD if it contains the address.




The customer must submit an OVD with the current address, within a period of three months of submitting the deemed OVD.




A property or Municipal tax receipt is considered a deemed OVD.
A
1 and 2 only
B
1, 3, and 4 only
C
2 and 3 only
D
All of the above
✅ Correct Answer: D
Deemed OVDs include utility bills not more than two months old, property or Municipal tax receipts, and PPOs.
The customer shall submit an OVD with current address within a period of three months of submitting the deemed OVDs.
Understanding deemed OVDs is essential for the IIBF AML KYC Exam 2026.