రిటైల్ బ్యాంకింగ్ అంటే?

రిటైల్ బ్యాంకింగ్ అంటే?

 SBI Pos, Clerks
 
 1.    Basel - II norms are associated with ________ Sector?
     a) Insurance    b) Shares    c) Banking
     d) All of these    e) None of these
 
 2.    Which of the following is not "Money Market Instrument"?
     a) Treasury Bills    b) Commercial Paper
     c) Certificate of Deposits (CD)
     d) Fixed Deposit    e) Equity Shares
 
 3.    What do you understand by "Para Banking" services?
     a)    Eligible financial services rendered by bank
     b)    Utility services provided by bank
     c)    Services provided through business correspondent
     d)    Services provided to armed force personnel
     e)    None of these
 
 4.    A Banking system where all operations are confined to a single office is known as?
     a) Unit Banking     b) Group Banking
     c) Chain Banking    d) Branch Banking
     e) None of these
 
 5.    The Significant decrease in the demand for loans will force Banks to?
     a) Adjust their portfolios
     b) Sell securities to the Central Bank
     c) Resort to borrowings
     d) Profitability and discounting
     e) None of these
 
 6.    Which of the following is not commercial Bank?
     a) Foreign Banks    b) Private Banks
     c) Reserve Bank of India
     d) Regional Rural Banks    e) None of these
 
 7.    "Open Market Operations" are controlled by?
     a) World Bank    b) IMF    c) RBI
     d) Finance Ministry    e) None of these
 
 8.    What is the type of risk if computer data lost?
     a) Operational Risk    b) Market Risk
     c) Customer Risk    d) All of the above
     e) None of the above
 
 9.    "State Bank of India Day" celebrated?
     a) 1st June    b) 1st July    c) 1st Aug
     d) 1st May     e) 1st April
 
 10.    Accrued interest means?
     a) Interest Received    b) Interest waived
     c) Interest concession given to borrower
     d)    Interest earned during the year but not received
     e) None of the above
 
 11.    Which of the following is/was not included in the agenda set for the Banking Reforms in India?
     a)    Measure to Strengthen Risk management
     b)    Promulgation of SARFAESI Act
     c)    Promotion of the concept of easy credit to all with a guaranteed subsidy from the Govt.
     d) All of these     e) None of these
 
 12.    What is the RBI directive in respect of DD issued for Rs. 20,000 and above?
     a) It should be Account Payee only
     b) It should be crossed as Not Negotiable
     c)    No DD should be issued for Rs20000 and above for individuals
     d) Only b & c    e) None of the above
 
 13.    What is the full form of the term LIBOR as used in financial Banking Sector?
     a) Local India Bank Offered Rate
     b) London India Bureau Of Regulations
     c) Liberal International Bank Official Ratio
     d) London Inter Bank Offered Rate
     e) None of these
 
 14.    Which Bank on Tuesday, 21st May 2014 launched Tab banking service for opening Savings Bank accounts at the customer's doorstep?
     a) Andhra Bank    b) Bank of India
     c) Canara Bank    d) State Bank of India
     e) Union Bank of India
 
 15.    When a Bank writes off a loan as bad, it means?
     a)    Total assets and total liabilities decreases by that
     b)    Total liabilities and capital decreases by that amount
     c)    Total assets and capital decreases by that amount
     d)    Total assets, total liabilities and capital decreases by the amount
     e) None of these
 
 16.    NBFCs have been directed to disburse high value loans of Rs. ____ lakh and above, only through cheque?
     a) 1    b) 2    c) 3
     d) 4    e) None of the above
 
 17.    Retail Banking means to provide Banking services to______ ?
     a)    Entirely to agricultural sector only
     b)    Only to individual customers in an integrated manner
     c)    Only to 'self help groups' for their survival
     d)    Only to corporates and Business houses
     e)    None of these
 
 18.    Which of the following is/are essential features of a genuine currency note?
     a)    The issuing authorities name should be printed on it
     b)    The promise clause should be there
     c)    The guarantee clause should be there
     d)    All of the above    e) None of the above
 
 19.    NEFT System uses which of the following codes to route the messages to the destination banks/branches?
 a) ISCD code b) IVTS code    c) IFSC code    d) IBAN code    e) None of these
 
 Key: 1. c; 2. d; 3. a; 4. a; 5. a; 6. c; 7. c; 8. a; 9. b; 10. d; 11. c; 12. a; 13. d; 14. d; 15. c; 16. a; 17. b; 18. d; 19. c.