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Wednesday, 29 June 2016

General Awareness Quiz 27 for SBI & IBPS exams

General Awareness Quiz 27 for SBI & IBPS exams

1 . Define the retail assets under Retail Banking
A.   Housing Loans/consumer durables/ credit card receivable
B.   Auto loans / personal loans/ loan against shares and debenture
C.   ECS Loans
D.   Both a and b only
 
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2 . Which is highest in number of commercial banks in India?
A.   ATMs
B.   Branches
C.   Extension Counters
D.   Internet Banking
 
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3 . What is the contribution of bank's retail assets to G Domestic Product (GDP) in India?
A.   6%
B.   15%
C.   33%
D.   24%
 
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4 . What is not a constraint in Retail Banking?
A.   Managing large number of clients in absence of ROBUST IT system
B.   Rapid evolution of services
C.   Maintaining ATMs centres with low costs
D.   unsecured retail loans and credit and receivables amount
 
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5 . What is business model for retail banking in India?
A.   Strategic business unit approach
B.   Departmental Approach
C.   Integrated Approach
D.   Any one of above
 
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6 . Give the names of foreign banks which entered the retail banking activities but when notable to achieve the business objectives moved out of business
A.   BNP paribas
B.   American Express
C.   ABN Amro bank
D.   All a to c
 
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7 . In retail banking which business model is adopted generally by Public Sector Banks?
A.   Strategic Business Unit
B.   Departmental Approach
C.   Integrated Approach
D.   None of these
 
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8 . New generation private sector banks do adopt the business model in retail banking-
A.   Strategic business unit approach
B.   Departmental approach
C.   Integrated Approach
D.   None of these
 
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9 . During late 1990s, certain foreign banks went for business model in retail banking, but after certain years...........
A.   continued with their business inspite of being unprofitable
B.   changed their focus with some strategic changes
C.   Moved out of the business
D.   None of these
 
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10 . Discuss the liability products offered to retail banking customers
A.   savings account
B.   current account/ term deposit account
C.   housing loans/ consumer loans/ auto loans
D.   Both a+b
 
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