caiibmocktest.in

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Question 1 reset

Which of the following should be highlighted for product differentiation by a bank marketer?

Interest Rate on the product.

USP i.e. 'Unique Selling Proposition' of the product.

Question 2 reset

The interest rate charged to a customer depends on which of the following?

Interest rate charged by other banks

The risk perception of the customer by the bank.

Question 3 reset

Which of the following statements is true in the context of credit scoring?

The higher the score, the more is the risk of the consumer's account becoming overdue

The higher the score, the lesser is the risk of the consumer's account becoming overdue

Question 4 reset

Which of the following is the objective of Credit Scoring?

For pricing of loans.

To assess borrowers' ability to repay.

Both the above

Question 5 reset

A Credit bureau tracks the indebtedness and repayment history of individual borrowers on loans they have taken from which of the following?

Banks

Financial Institutions.

Non Banking Financial Companies

All the above

Question 6 reset

Which of the following is true about Credit cards?

Card Limit varies with individuals.

Free Credit Period is not allowed and payment is instantaneous.

Both the above

Question 7 reset

Which of the following is true about Debit cards?

All banks offer a standard type of Debit Card either with Visa or MasterCard.

Purchase and payment are happening at the same time.

Both the above

Question 8 reset

The application for NEFT could be submitted in which of the following forms?

Physical form

Electronic form

Both the above

Question 9 reset

As per NEFT, the beneficiary branches would make payment to the beneficiaries by crediting the specified account of the beneficiary or otherwise placing funds at the disposal of the beneficiary. The time within which payment should be made is:

within 12 hours of the remittance

within two hours of batch settlement time

Question 10 reset

In NEFT, the settlement of transactions is done in batches. How many batches are held on weekdays and Saturdays?

6 batches on weekdays and 3 batches on Saturdays.

11 hourly batches on weekdays and 5 hourly batches on Saturdays.

Time Over