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for Retail Bank
Retail Bank mock test with old question most imp question 5 year old question. Question multiple choice questions and answers prepared by senior officer’s click on finish test after attend all the question to know your result with right wrong answer
Q - 1 .
I n a s i m p l e r e g i s t e r e d m o r t g a g e t h e d e e d o f m o r t g a g e i s t o b e r e g i s t e r e d w i t h i n & & m o n t h s o f i t s d a t e o f e x e c u t i o n
Q - 2 .
H o m e L o a n s a r e n o t s a n c t i o n e d b y B a n k s f o r t h e f o l l o w i n g p u r p o s e s & &
Purchase/Construction of House/Flat
Purchase of land/plot
Additions to the existing house
Purchase of land and construction
Q - 3 .
Suppose you are viewing a 4GB iPod Nano for Rs. 4000 in a shop. The shopkeeper shows you 8 GB iPod Nano worth Rs. 6000. This is an example of ___.
Q - 4 .
Parent documents for housing loans should be provided for
None of the above.
Q - 5 .
Warranties on electronic purchases are examples of ____.
Q - 6 .
B y a p p l y i n g R u l e 7 2 , r u p e e w i l l d o u b l e i n n i n e y e a r s i f t h e r a t e o f i n t e r e s t i s & & % p .
Q - 7 .
Which of the following facilities is not available for mobile banking customers?
Facility for using banking facility from anywhere
Easy operations - instructions carried out by self
Transfer of funds between accounts - same bank and other banks
Q - 8 .
Which of following is part of direct agriculture under Priority sector ?
Loans upto 5 crore to dealers in fertilizers,pesticides,seeds et
Loans to distressed farmers indebted to non-institutional lenders.
Loans to small and marginal farmers for purchase of land for agricultural purposes.
b & c
Q - 9 .
S t a t e w h e t h e r t h e f o l l o w i n g i s t r u e & &
Customers are different
Needs of the customers are different
Each customer will have different sets of need for financial services
All are true
Q - 10 .
B a n k M a r k e t i n g r e f e r s t o & &
Identifying the most profitable markets now and in the future
Assessing the present and future needs of customers
Setting business development goals and making plans to meet them
All the above
Q - 11 .
Payment Default Risk (chances of failure to pay the card dues) is embedded in
Both i and ii
Q - 12 .
To consider the loan amount under housing loan scheme which of the following statements are true? a.The property is jointly held with the spouse and the spouse is co-borrower b.the property is held in single name and the spouse stands as a guarantor the borrower's son or daughter who has a steady income c.the salary is routed through Bank account and joins as a co-borrower d.expected rental less taxes, cess, et, in case the house/flat being purchased is proposed to be rented e. Regular income from all sources can be considered to arrive at total eligible loan amount.
a, c, d
a, b, d
a, d, e
All the above
Q - 13 .
Which of following is true about overdrafts to no frills to be treated as priority sector ?
Overdrafts to No frills account upto maximum 25000/-
Overdrafts to No frills account upto maximum 25000/-but within rural areas only.
Overdrafts to No frills account upto maximum 50000/-in rural & semi urban areas.
Overdraft upto 50000/- per account granted in no frills account/basic banking saving account provided borrowers threshold income limit do not exceed 60000/-in rural and 120000/- in non rural areas.
Q - 14 .
Cash Tree (a common networking arrangement) is owned by ......
Q - 15 .
Any document other than a will has to be presented for registration within ...... months from the date of its execution. The term 'execution' means signing of the agreement. Under the present rules and regulations, all agreements in respect of a transfer of a immovable property have to be duly stampe
Q - 16 .
In case of Home Loans, the credit rating should be reviewed ......
Q - 17 .
What are the advantages of retail banking?
Risk is less as client base is large
Income is relatively more as spreads are more
Stable model with less volatility
a and b
Q - 18 .
Securitisation Process involves the following :
The lender first selects the assets they want to securitise.
The issuer (Special Purpose Vehicle) makes payment to the lender for the loans securitise
The assets are converted into a pool of securities by the issuer for the purpose of issuing Pass
Through Certificate (PTC) and the PTCs are sold to other investors who are willing to invest.
Q - 19 .
Retail Loan Processing Centres of banks are designed to
Source retail asset business
Process retail loans
Do the valuation/legal opinion wherever necessary
Release the loan either at their end or advise sanction to branches
Q - 20 .
The characteristics of Debit Cards are
Payments for purchases are directly debited into the account
Cash Withdrawals through ATMs are debited to the account immediately
Payments made for purchases/usage will be debited subsequently after a certain period
Both i and ii are true
Q - 21 .
The basic information is available across products for common services in ____ organized process model.
Q - 22 .
A s a C o r p o r a t e A g e n t , B a n k s c a n d i s t r i b u t e t h e p r o d u c t s o f & &
One Life insurer
One Non Life (general) insurer
One Life Insurer and One Non Life insurer
Anyone of the above
Q - 23 .
B C S B I c o d e s a r e & &
issued by GOI
Codes given by customers
voluntary codes by bankers
Q - 24 .
The integration of triple play (data + audio + video) provides banking customers real time access to their relationships with the bank, such as fund transfers, remittances, et This is built on ____ principles. i. Web 1.0 ii. Web 2.0 iii. J2EE iv. .NET
both i and ii
i, ii and iii
ii, iii and iv
i, iii and iv
Q - 25 .
The bank employees have to give importance to customers based on their ____.
portfolio of products
current checking account balance
number of accounts
Q - 26 .
Which of the following customer services are offered online?
Account monitoring (electronic statements, realtime account balanced)
Account management (bill payments, funds transfers, applying for products on-line)
Financial transactions (securities trading, foreign currency transactions)
All the above.
Q - 27 .
A n i n d i v i d u a l t o o k a l o a n o f R s . 1 0 . 0 0 L a k h s f o r p u r c h a s i n g a p l o t o f l a n d d u r i n g F . Y . 2 0 0 5 - 0 6 &