Retail Banking Mcqs

T.Y B.COM

SEMESTER - 5

RETAIL BANKING

MCQs - 2-12-2021 

1. Which one of the following is NOT an advantage of Retail Banking? 

A. High cross selling potentials 

B. High Customer loyalty 

C. Less volatility in business 

D. High Default rates 

2. Bancassurance product is an example of: 

A. Wealth Product for a Bank 

B. Liability Product for a Bank 

C. Other Products of a Bank 

D. External Products for a Bank 

3. Which of the following is a product model in retail banking? 

A. Asset Products 

B. External Products 

C. Internal Products 

D. Foreign Exchange Products 

4. Which one of the following allows credit for a short period to be adjusted in a very short time? 

A. Overdraft 

B. Personal Loan 

C. Two-wheeler loan 

D. Term loan 

5. Sale of Gold Coins, bill payment services, air ticket bookings, etc. fall under which classification of Retail products? 

A. Retail Assets 

B. Retail Liabilities 

C. Other Products/Services 

D. Both Retail Assets & Retail Liabilities 

6. Which one of the following are considered unsecured in nature and backed by personal guarantees only? 

A. Term loans 

B. Personal loans  

C. Overdraft   

D. Two-wheeler loans  

7. Free credit period is allowed for: 

A. Credit card     

B. Debit card 

C. External Travel card 

D. Foreign exchange card 

8. In which type of banking, the impact of Non Performing Assets (NPAs) will have more pronounced effect on business? 

A. Retail Banking 

B. Corporate Banking 

C. Group Banking 

D. Chain Banking 

9. Which one of the following includes small and medium size businesses? 

A. Wholesale banking 

B. Retail Banking 

C. Merchant banking 

D. Investment banking 

10. There will be ______ volatility in demand and credit cycle in  ________.

A. more, retail banking 

B. medium, wholesale banking 

C. less, wholesale banking 

D. less, retail banking 

11. Housing Loans, Consumer Durable Loans, Car Loans, Overdrafts, etc. are examples of: 

A. Retail Assets Products 

B. Retail Liability Products 

C. Other Retail Products/Services 

D. Both Other Products/Services & Retail Liability Products 

12. Term Deposits are: 

A. Asset Products for a Bank 

B. Liability Products for a Bank 

C. Financial Problems for a Bank 

D. Wealth for a Bank  

13. In case of Wholesale Banking, the internal competition is: 

A. Intense 

B. Moderate 

C. Low 

D. Negligible 

14. Name the two banks who were the pioneers in introducing hybrid retail products in India: 

A. Citibank and Standard Chartered Bank 

B. Standard Chartered Bank and Grindlays Bank 

C. HSBC and Barclays Bank 

D. State Bank of India and HSBC 

15. Which of the following provides an individual access to her funds as deposited in her savings bank account? 

A. Debit card 

B. Letter of credit  

C. Pass book update machine 

D. International credit cards 

16. Out of the following, which loan is not a focus area by banks as the ticket size is small and they are taken care of by NBFC mostly? 

A. Personal loans 

B. Overdraft 

C. Two-wheeler loans 

D. Term loans 

17. Which one of the following forms the backbone of retail banking income? 

A. Liability Products 

B. Asset Products 

C. Third Party Products 

D. Both Liability Products and Asset Products 

18. In which form of Banking, there are large volumes with low amount of transactions? 

A. Retail Banking 

B. Wholesale Banking 

C. Universal Banking 

D. Unit Banking 

19. In Retail Banking, Competition from market is: 

A. Neutral 

B. High 

C. Low 

D. Near to zero  

20. Which one of the following is NOT part of Retail Banking? 

A. Internet Banking 

B. Mobile Banking 

C. Providing term loans for projects 

D. Credit Card facility

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