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Retail Banking

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PSBs are more ____ organized in the process model with various levels of ___ position across banks.

a. vertical, horizontal
b. horizontal, vertical

t.c
c. vertical, vertical
d. horizontal, horizontal

Ans - b

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.............................................

In the retail liabilities and asset side, the software mainly captures the following types of information.

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Select the correct option.

i. Static Information
ii. Updated Information
iii. Transaction Information
iv. Analytics and Alerts
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a. i, ii and iii
b. ii, iii and iv
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c. i, iii, and iv
d. i, ii, iii, and iv
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Ans - d
.............................................
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What is new name of SGSY(swaranjayanti gram swarojgar yojna) ?

a. National gram livelihood society
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b. Central rural gram yojna
c. National livelihood campaign
d. National Rural Livelihood Mission
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Ans - d
.............................................
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Public sector banks in India follow the model of ……
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a. Departmental approach
b. Strategic Business Unit approach
c. Integrated approach

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d. all the above

Ans - a

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.............................................

Which of the following is not a fundamental ingredient of an effective marketing mix in Retail Banking?

a. Product and Price

t.c
b. Product and profit
c. Place and People
d. Process and Physical evidence

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Ans - b
.............................................

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Returns are more in ……

a. para banking
b. corporate banking
c. retail banking
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d. all the above

Ans - c
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.............................................

Securitisation Process involves the following :
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a. The lender first selects the assets they want to securitise.
b. The issuer (Special Purpose Vehicle) makes payment to the lender for the loans securitised.
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c. 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.
d. All the above.
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Ans - d
.............................................
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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
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regulations, all agreements in respect of a transfer of a immovable property have to be duly stamped.
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a. 1
b. 2
c. 3
d. 4

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Ans - d
.............................................

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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, etc. This is built on ____ principles.

i. Web 1.0
ii. Web 2.0

t.c
iii. J2EE
iv. .NET

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a. both i and ii
b. i, ii and iii
c. ii, iii and iv

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d. i, iii and iv

Ans - c
.............................................
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BCSBI was released by the Governor, Reserve Bank of India on ……
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a. 1st Apr 2006
b. 1st Jul 2006
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c. 1st Aug 2008
d. 1st Sep 2009
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Ans - b
.............................................
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BCSBI codes are reviewed after every …… years.

a. 2
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b. 3
c. 4
d. 5
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Ans - b
.............................................
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What is correct about project cost under PMGEP scheme ?
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a. Rs 20 lacs(manufacturing) & 10 lacs(Others)
b. Rs 25 lacs(Manufacturing) & 10 lacs(Others)
c. Rs 10 lacs(manufacturing) & Rs 5 lacs(Others)
d. Rs 2 lacs maximum

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Ans - b
.............................................

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What is range of margin/borrower contribution in PMGEP scheme ?

a. 10% general and 5% for special category
b. 5% for general & special category nil

t.c
c. 5% for all
d. 10% for all

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Ans - a
.............................................

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Valuation is a specialized area practiced by qualified engineers and architects who possess knowledge of
building costs, awareness of market conditions and economic trends, developmental plans, legal
statutes and provisions governing real property, rental income and outgoings etc. The valuer is required

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to collect data on aforesaid aspects but as the information is not easily accessible and/or authentic
particularly about demand and supply, the Valuer has to rely on his own experience and judgment in
arriving at the fair market value! It is hence inevitable that there will be difference of opinion between
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two Valuers in respect of the value of same property. Who grants registration to Valuers, on the basis of
their technical background and experience.
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a. RBI
b. SEBI
c. IT DEPTT
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d. SUB REGISTRAR

Ans - c
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.............................................

According to the factors of service quality – Empathy means
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a. Helping the customer
b. extend prompt service
c. understanding the service expectations from customers point of view
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d. all the above
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Ans - c
.............................................
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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

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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

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d. expected rental less taxes, cess, etc., 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. a, c, d
b. a, b, d

t.c
c. a, d, e
d. All the above

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Ans - d
.............................................

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An Individual took a Loan of Rs. 15.00 Lacs for purchasing a flat for self-occupation on 30/03/1999 &
paid Rs. 1,20,000 towards Interest during FY. 2006-07. The maximum amount of Interest which he can
claim as a deduction would be…

a. Rs. 1,50,000
b. Rs. 1,20,000
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c. Rs. 1,00,000
d. Rs. 30,000
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Ans - d
.............................................
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By applying Rule 72, rupee will double in nine years if the rate of interest is …… % p.a.

a. 18%
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b. 9 %
c. 8%
d. 6%
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Ans - c
.............................................
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The form which serves as a data base for cross selling of different products in banks
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a. account opening form
b. KYC form
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c. credit card form
d. none of these

Ans - b
.............................................

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....... admin@jaiibcaiibmocktest..... 09994452442 Short term capital asset means a capital asset held for less than . c.c d.36 c.......... admin@jaiibcaiibmocktest.. ca Through Internet Banking customer can not avail the facility of the transactions of …… a..12 Ans ... stores...JAIIB CAIIB STUDY MATERIALS . in relation to capital asset..36 t...... months immediately prior to the date of transfer and Long term capital asset means a capital asset held for more than . ATMs b... the following assets are NOT excluded from the definition of capital assets: a. Funds Transfer ............ a.....com.... exchange of the asset..........com Facebook Groups .. Mobile Banking d....CAIIB DISCUSSION murugan0501@gmail..com.ja Ans – c ....jaiibcaiibmocktest............ Internet Banking w c... None of the above iib Ans ... However....com murugan0501@gmail......... months om immediately prior to the date of transfer...............com. www.. Stock-in-trade. Transactions of debits iib b. www.. tangible or intangible.... 36.....d ....12 b.jaiibcaiibmocktest...... Agricultural land outside the limit of municipality or notified area.... includes sale.... 12. raw material b....... Personal effects (excluding Jewellery) oc m c. Transactions of credits c....d .. w Electronic Channels in retail banking refers to …… w a...... 36...... 12..c es ... Transfer...... Any profit or gain from sale or transfer of a capital asset is chargeable to tax under the head "capital kt gains" Capital asset means any property whether movable or immovable........ 09994452442 .... Letter of Credit services d.com........... All the above Ans .......

............... 09994452442 ...............CAIIB DISCUSSION murugan0501@gmail.. a & c Ans ............c .com murugan0501@gmail.... introduction stage.c Ans .............ja a........... b..... Floating rate borrowers c......com.. DRTs are governed by provisions of the …… ....... SARFAESI Act c......jaiibcaiibmocktest. admin@jaiibcaiibmocktest....com..... Product & Price b.b . BR Act w Ans ....com Facebook Groups ... 09994452442 EMI Reset is applicable in case of om a.... saturation stage. RBI Act b.. Ans ..... kt b... d.com. People & Process & Physical evidence ca d...... notice period before taking possession www.. Fixed loan borrowers...... admin@jaiibcaiibmocktest.b ..... www.... decline stage.. All the above. Both A & B d. oc m Marketing Mix refers to …… iib a. c....jaiibcaiibmocktest........d iib ...... es At which stage of product life cycle the product is likely to see drop in volumes and in profits? a......JAIIB CAIIB STUDY MATERIALS ......... Promotion & Place c.. w The terms and conditions for repossession as per the recovery policy should contain the following provisions …… a....... none t..... RDB Act w d.com..........

..........c ca .5 lacs c..jaiibcaiibmocktest.... w This method of depreciation is generally adopted by industrial units because of advantage of lower w income-tax a...CAIIB DISCUSSION murugan0501@gmail......com.................... Rs.. Risk is less as client base is large es b.. 1900 hrs c. 09994452442 b......com.....................com murugan0501@gmail........d ...20 lacs Ans . both www......... admin@jaiibcaiibmocktest......... Rs........com... www...2 lacs b...d ..c What are the advantages of retail banking? a. the procedure for taking possession of the security d... Written Down Value (WDV) Method b. a provision regarding final chance to be given to the borrower for repayment of loan before om the sale/auction of the property Ans ..... Income is relatively more as spreads are more c.........com Facebook Groups .. Rs... oc Recovery of loans through Lok Adalats can be resorted to by banks upto a limit of …… m a......b .JAIIB CAIIB STUDY MATERIALS . 2100 hrs w Ans ........ja b....com. a and b kt Ans ... Bank's representatives authorized to represent the Bank in collection or/and security repossession iib would contact the borrower before …… a.........jaiibcaiibmocktest.. admin@jaiibcaiibmocktest....... 10 lacs iib d.... Straight Line Method c.. 1800 hrs ..... Rs.. 2000 hrs d. circumstances under which the notice period can be waived c.. Stable model with less volatility d.. t......... 09994452442 ...

Reverse Mortgage Loan. Transactions of credits www...... he/ kt she can continue to retain the property and need not repay the loan or service the interest. A senior citizen who is above 60 years is eligible for a reverse mortgage loan against his own and self occupied residential property......................... No criteria upto loan of Rs 10 lacs(manufacturing) & 5 lacs for business/service ... Letter of Credit services c..... admin@jaiibcaiibmocktest..... admin@jaiibcaiibmocktest. Over this ceiling (10 lacs mfg & 5 lacs others).... The maximum period of the loan is 10 years.. 8th pass iib c.... 8th pass essential b... iib For reverse mortgage loans the age of the applicant should be above a... Which one is not correct in Reverse Mortgage Loan? a......com...c ..... w Through Mobile Banking customer can’t avail the facility of …… w a.... www.... If the borrower outlives the maximum loan period... Funds Transfer d..... d.c senior citizens to enable them to lead an independent and dignified life b.......com Facebook Groups .ja b. Ans ...com. 09994452442 d........ Ans .... There are several methods to calculate depreciation.. 60 yrs d.......... 50 yrs ...CAIIB DISCUSSION murugan0501@gmail.. oc What is appropriate about educational qualifications under PMGEP scheme ? m a....jaiibcaiibmocktest.com murugan0501@gmail....jaiibcaiibmocktest.com....com. d.... Balance Enquiry b..... Married couples will be eligible as joint borrowers subject to the condition that one of them is above 60 years and the other not below 55 years...............d .. 55 yrs c. board of directors of company decides........................a om ..... 09994452442 ....... 65 yrs w Ans . es c..JAIIB CAIIB STUDY MATERIALS .. seeks to generate income from the property owned and resided in by the t...d .... b & c ca Ans ..

.............. b..... 1... BCSBI representatives will contact you ('you' denotes customer) between ___ and ___. 1000 hrs to 2000 hrs d............CAIIB DISCUSSION murugan0501@gmail..JAIIB CAIIB STUDY MATERIALS ..... admin@jaiibcaiibmocktest.... 0700 hrs to 1900 hrs . admin@jaiibcaiibmocktest.....b .. unless the special circumstances of your ca (customer's) business or occupation require otherwise........... w According to BCSBI..... www.... om The branch is the primary direct channel that drives Retail Banking by the following reasons:- a. Personnel at the branch relate with the customer for their transactions t. 3..ja Ans .... before repossession of the security... if there is a branch of any other bank functioning at that centre. kt BCSBI codes are ___..... es Ans .com................... 0900 hrs to 2100 hrs iib b.... a.....d .......com.... Products and services are directly explained to the customers. if a bank plans to close or move its branch....c c. the bank will give the customers a notice of ___ months if there is no other branch of any bank functioning at that centre and a notice of w ___months.. 09994452442 .com murugan0501@gmail.. 1.com..... 2 c. 3 b... set up as maximum standards which each bank has to follow d...jaiibcaiibmocktest.b .... 3 d.jaiibcaiibmocktest....... a...com....... w a................ 2........ The branch tangibilizes the intelligible nature of banking service d... 2 www.... 0800 hrs to 1800 hrs c... set up such that these supersede the guidelines of RBI m Ans . 09994452442 Ans ... All the above..com Facebook Groups . iib In case of default in repayment....... mandatory b. voluntary oc c...d ..

......... www...........CAIIB DISCUSSION murugan0501@gmail...... admin@jaiibcaiibmocktest...........c d.......com......... Loans to farmers in distress who are caught in clutches of money lenders/private institutional lenders t....... admin@jaiibcaiibmocktest. No limit c....JAIIB CAIIB STUDY MATERIALS ...... Ordinary Annuity : Payments are made/received at the end of each period..........d ......... Present value = FV x CV factor Ans ......com Facebook Groups ..........jaiibcaiibmocktest.. Loan to DRI beneficiaries c...d es ...........com murugan0501@gmail..d ...d .... Rs 5 lacs d......... 1 means one rupee.......... Loan to small & marginal farmers b.... iib In India..ja ...com.. Loans to distressed persons(other than farmers) is also part of priority sector if the amount of loan is kt upto: a... Rs 50000 oc m Ans ............ FV = PV( 1 + r)n (Where PV means present value......... 09994452442 ...jaiibcaiibmocktest.. www........com..) c.. om Which of following is not part of priority sector lending ? a.........d .... No regulations Ans ..... CONCERN BANK/BRANCH iib d...... Select the ODD one : w a.. r means rate of interest and n w means period or term........ Rs 1 lac b.. b....... RBI b.com.... 09994452442 Ans .. SEBI c..... mortgage advice profession should follow the guideline of ... Medium enterprises in MSME Ans .. ca a........ Annuity Due : Payments are made/received at the beginning of each period w d....

Whether the Bank accepts to his request? If so.....ja good house or apartment in Chennai for immediate purchase and he requires in principle sanction... www..........com Facebook Groups ... We cannot accede to such request w b.........c ...... Yes.............. Both A & C Ans .. Identifying the most profitable markets now and in the future iib b....... All the above ca Ans ........ it is valid for six months w Ans ..... it is valid for how many months? a..c ... He approached a branch and requested that he is in pursuit of a . Assessing the present and future needs of customers c.. 15 yrs c...com murugan0501@gmail...com...... oc m Bank Marketing refers to …… a.b t... admin@jaiibcaiibmocktest.a .....com.... No....d . 09994452442 ........ it is valid for three months w d. 12 yrs d..........jaiibcaiibmocktest. 09994452442 The maximum period for Reverse mortgage loan is …… a....CAIIB DISCUSSION murugan0501@gmail... saturation stage d..com.......... Yes.... Yes.....jaiibcaiibmocktest..... Ram working as a Gazetted Officer in a Government Department having 20 years left over service was recently transferred to Chennai. maturity stage b.....JAIIB CAIIB STUDY MATERIALS .. decline stage kt c................ 20 yrs Ans .. www.. 10 yrs om b... iib Mr. At which stage of product life cycle the customer develop a tendency of indifference to the product? es a.......com..... admin@jaiibcaiibmocktest.... it is valid for one month c........... Setting business development goals and making plans to meet them d..

.... has to be satisfied...... having family income.com murugan0501@gmail......CAIIB DISCUSSION murugan0501@gmail.. However.c iib .... 09994452442 .. Rs 10 lacs per borrower c.com.....com... admin@jaiibcaiibmocktest..... Aggregate loan limit Rs 5 lacs per dwelling unit w b.......... in case of loan for construction...com...... www.. capital gains. the construction should get completed within 3 t. 1961 every year subject to fulfilment of the following conditions..... d.JAIIB CAIIB STUDY MATERIALS . Deduction can be claimed only from the financial year when the purchase/ construction is completed.. for on-lending .e. per dwelling unit. Loan is for purchase or construction of a residential property or as re-finance (takeover) of the principal amount outstanding under a loan taken earlier for purchase or construction of a residential property. salary.. .000 every year can be claimed..... or any other source upto a maximum of Rs...... Find the FALSE one : om a.ja for the purpose of purchase/construction/reconstruction of individual dwelling units or for slum clearance and rehabilitation of slum dweller: a. Ans ...c Years of raising the Loan.. i......... Loan has been taken on or after 1st April 1999... Rs 24000 & Rs 1 lacs Ans ... admin@jaiibcaiibmocktest.... deduction of only up to a maximum of Rs. iib a....... 09994452442 Interest on housing loan can be claimed as a deduction from income from property.jaiibcaiibmocktest.50......... oc The loans sanctioned by banks for housing projects exclusively for the purpose of construction of houses m only to economically weaker sections and low income groups.. the total cost of which do not exceed ... c..& Rs 10 lacs ca d. loan was taken before 1st April 1999 &/or loan is for repairs/renovation/reconstruction. business/ profession. The third condition mentioned above...b ........d .......... kt 100....000 under section 24(b) of the Income-tax Act.. irrespective of location.. approved by NHB for their refinance.jaiibcaiibmocktest. 1..& Rs 15 lacs c.. b. Rs 120000/...& Rs 5 lacs b.... The lender issues a certificate at the end of the financial year mentioning therein the interest & es principal paid during the year in respect of that loan....com Facebook Groups .... If any of the first 2 Conditions mentioned above is not satisfied.. however. Rs 100000/.com. Rs 1 lacs w Ans . Rs 5 lacs w d....... Rs 120000/. Which of following concepts point out for a well laid strategy for Retail Banking focusing on Customers? www.. Bank loans to Housing Finance Companies (HFCs)...

admin@jaiibcaiibmocktest....... Selling products/services to new customers... Selling additional products/services to the existing customers........ Strategic Business Unit approach es b...... Only i is true d........c ca ...com...... 09994452442 . the interest & principal can be claimed by the co-borrowers in proportion to the amounts paid www.. Willful defaults where the default is intentional c........ If Loan is raised jointly by husband & wife or any other combination of persons acceptable to the lender.......JAIIB CAIIB STUDY MATERIALS ...... ....com..... oc Default in repayment in Credit Cards and Personal Loan segments are mainly due to …… m a..c Which of the business modules is Management by Objectives process? a........jaiibcaiibmocktest... t.. Cross Selling refers to …… iib a. Genuine Defaults due to reasons beyond the borrowers' control b...c w ...... B & C kt Ans .......... Integrated approach c... All the above......a . Anyone of the above iib d. instead of taking a Loan for purchase of plot...... 09994452442 a.... No Tax Benefit is available in respect of Loan taken for purchase of plot of land.. b......... he/she should take loan for purchase of plot as well as construction of house & complete construction of a self-sufficient House within 3 Years of raising the Loan..com... b..CAIIB DISCUSSION murugan0501@gmail.......... Both the above Ans ...........com murugan0501@gmail..... Providing them with efficient delivery channels for availing the products om d....com..... admin@jaiibcaiibmocktest. Ans ... Identifying the customers' needs b..d . Both i and ii are true..... w Select the ODD one : w a...... www... Developing appropriate products to satisfy their needs c........ Hence.jaiibcaiibmocktest.. Departmental approach d........ Ans .com Facebook Groups ...ja c.

75..com murugan0501@gmail................. The maximum interest which each of them can claim as deduction is …… ca a.... As regards principal repayment.. admin@jaiibcaiibmocktest.... Rs.. 1980 Ans – b ... 30. Banking facilities to small size businesses c........... if the loan is taken after 1st April... 3. kt b.. 1999.JAIIB CAIIB STUDY MATERIALS .. Banking facilities to individual customers. d.. oc m Husband & Wife jointly raise a loan in April 2005 for constructing a house for self-occupation. If the housing loan is taken before 1st April.....50.......... 1..... Banking facilities to large size businesses Ans .50. 09994452442 ...000 Ans .. They have been paying the housing loan installments on 50:50 iib Basis from their respective Incomes..... Rs.00. 1999. www.000 can be claimed every Year..000 iib d...... subject to the combined maximum limit of Rs.......... 1.. 1970 w d.com.....000) & Rs. Rs. 30..... deduction of interest upto Rs.. 1...000 towards interest & principal respectively.... 50. 1.d ......ja .. deduction on account of interest shall be limited to om Rs..... 1960 c.. they paid Interest of Rs.jaiibcaiibmocktest.. The construction was completed in July 2006.com... www. admin@jaiibcaiibmocktest.... 09994452442 by them...000 (or Rs. it can be claimed as a deduction from the gross total Income only by an Individual/HUF borrower under section 80C of the Income Tax Act.. During FY 2006-07.....d .000.... Banking in the Indian scenario was identified with lending to business and corporate clients for working capital and project financing before …… w a....50..00........ 00... Banking facilities to medium size businesses d. 1......... However.CAIIB DISCUSSION murugan0501@gmail...000 c.. c....com Facebook Groups ..c Ans .....com......000 t.. 1950 w b.....com.000 every Year..... a..000 b.50.jaiibcaiibmocktest... Rs..c . 1961 cannot exceed Rs... es Which one is not a characteristic of retail banking? a..

.....com.......com. www.......jaiibcaiibmocktest.... process of converting physical shares (share certificates) into an electronic form om b... es New Delhi and Mumbai have …… benches in Debt Recovery Tribunal a. admin@jaiibcaiibmocktest....jaiibcaiibmocktest. Which of following is not part of Direct MSE under P/sector lending ? .......... Loans to persons involved in assisting the decentralised sector in the supply of inputs w Ans .... All the above Ans ... w Loans for repairs to the damaged dwelling units of families upto ... 09994452442 .. 5 Ans . oc m A good branch ambience will result in the following advantages for the bank …… iib a..... All KVI sector loans irrespective of area & amount of loan w d.. Loans for food & agro processing(manufacturing)provided they fulfill investment in P&M criteria......c ..d iib .. is part of Priority sector: a.................................... identical and fungible assets after demat d......d ...com..... Rs 1 lacs in rural/s-urban & 2 lacs in urban/metro b...JAIIB CAIIB STUDY MATERIALS .b ..... The comfortable and congenial work environment results in high employee motivation ca d.com murugan0501@gmail.... 3 c.. 4 d..CAIIB DISCUSSION murugan0501@gmail.... admin@jaiibcaiibmocktest. Once converted..........d t.. The shares will become interchangeable......... Proper placing of various service facilities enhances internal communication effectiveness c. 09994452442 Demat refers to …… a.... 2 kt b..com.... Promotes efficiency and smooth flow of services which result in time benefits b.......com Facebook Groups ... b. the shares are held in a Demat account c.......... All the above Ans ..........ja a..... Rs 2 lacs in rural & 4 lacs in urban/metro www... Bank Loans upto 5 crore to service units provided they fulfill investment in equipment criteria c...........

.............ja d..... the credit rating should be reviewed ........ a..... Rs 2 lacs in rural and 5 lacs in urban/metro d. t.. admin@jaiibcaiibmocktest....com. HY d..jaiibcaiibmocktest...d ..... 3Y d...CAIIB DISCUSSION murugan0501@gmail... Option to pay utility bills d........... iib a...... notarised or registered Ans .... www. notarised and registered ................. 09994452442 c... w The facilities available for mobile banking customers are …… w a... registered c....... All the above Ans ........d .......com.. 30M es c. years/months from the day the mortgage money becomes due..... 30Y kt Ans ...... admin@jaiibcaiibmocktest............... QRTLY c.......same bank and other banks w c. www.. Rs 4 lacs in rural/s-urban & 6 lacs in urban/metro om Ans .d ........d .. notarised b... Facility for using banking facility from anywhere b.............. 09994452442 .jaiibcaiibmocktest................ MONTHLY m b.....c .................com.com......... 3M b............com Facebook Groups ....c a... oc In case of Home Loans.....JAIIB CAIIB STUDY MATERIALS ... Transfer of funds between accounts ..com murugan0501@gmail. ca Power of attorney should be. YRLY iib Ans ......... A suit for foreclosure must be filed within ........

.. None of the above Ans .000 c.000 b.50....000 towards principal during F.. 10......... He will be able to claim deduction of …… towards Interest...d .b .000 towards Interest & around Rs....... 4 t..com Facebook Groups ... He has iib not made any other contribution under Sections 80C.... Rs........... 09994452442 .. Retail loans other than housing loans c.Y. length of credit history w c. admin@jaiibcaiibmocktest..... 80CCC.....10..com...00 Lakhs for purchasing a plot of land during F............ 2 c... 2006-07. 57... In the credit information report maximum weightage is given to w a...c Ans .... Only housing loans d.jaiibcaiibmocktest... Both B & c w Ans . Rs.. oc m An individual took a loan of Rs. 2005-06 & has paid around Rs.ja ...CAIIB DISCUSSION murugan0501@gmail..........JAIIB CAIIB STUDY MATERIALS . 3 d... 1 b.......... Rs.. amount owed d... 1... 1....10...................... Rs..com.com..... payment history b...000 iib d...... es Asset backed securitisation (ABS) is backed by …… a..Y...b ... 09994452442 Each Debt Recovery Tribunal has …… Recovery Officers om a. www....com murugan0501@gmail....com. 0 Ans ...... In the credit information report weightage given to payment history is …… www. admin@jaiibcaiibmocktest....... All retail loans kt b.. 57.........a ....jaiibcaiibmocktest.... 1. ca a.. or 80CCD...

... admin@jaiibcaiibmocktest.com.. 35 % d..... b..ja a...CAIIB DISCUSSION murugan0501@gmail.... iib The Moratorium period in case of housing loan will be . Upto 18 months after the disbursal of Ist disbursement of loan c..c Loans to farmers against pledge/hypotehcation of agriculture produce(including warehouse receipts)upto______ lacs for period not exceeding 12 months.........a ......... 09994452442 ...... Both b and c..jaiibcaiibmocktest................ 18 months b..c .......... 40 % Ans .....JAIIB CAIIB STUDY MATERIALS ........ t........com Facebook Groups ..... Loans to DRI beneficiaries d.. 25 % b... upto 50 lacs b...................b ...... Loans to Small & Marginal Farmers iib b.... d.com murugan0501@gmail. upto 25 lacs Ans . upto 1 crore kt c. www...... Loans to Self Help group ca Ans ...... Upto 10 lacs d. Loans to Staff Members of Bank c...... Cost of servicing will be relatively high.........com............. oc m Which of following is part of weaker section under P/sector lending ? Pick up the ODD one : a...com..jaiibcaiibmocktest...... w What are the disadvantages of retail banking? a... www. es a.. 09994452442 a... Huge clientele requires more efforts for monitoring and tracking... admin@jaiibcaiibmocktest. Two months after the completion of construction.d w .......... w Ans ... 30 % om c...com.

. w The time limit for returning of the securities / documents / title deeds of mortgaged property is ..........................com.......30 c.. admin@jaiibcaiibmocktest.....d .. www..... 13.......... he should cross check the Encumbrance Certificate for . a.ja a.......... 30 days w Ans .b ... es a....jaiibcaiibmocktest..13 kt d.13 b............. years showing nil encumbrances and Parent Documents of . ...JAIIB CAIIB STUDY MATERIALS ....... admin@jaiibcaiibmocktest... days from the repayment of all dues agreed to or contracted... iib a..... All the above om Ans ... 15 days c. Mr Raj is from BUNDI Rajasthan working in OBC bank at KARNAL want to purchase a house at KOTA by t. 30.CAIIB DISCUSSION murugan0501@gmail... The time limit for transfer of borrowal account is .... years..... 09994452442 c.............com...... 7 days b........c .. 09994452442 . 7 days www.. 30 days Ans ... days....c taking housing loan under staff HL scheme...b iib ...com Facebook Groups ................. oc What is the time limit for settlement of claims in respect of deceased depositors and to release m payments to survivor(s) / nominee(s) (assuming all terms and conditions fulfilled and bank is satisfied with the identification of the claimants)...com murugan0501@gmail. 15 days c...com.. 30.... 13.. 21 days ca d... Delinquencies relatively higher in unsecured retail loans like Personal Loans and Credit Card Receivables d. 7 days b.... Under simple registered mortgage.....com......... 21 days w d...jaiibcaiibmocktest............30 Ans ..

Where a mortgagor gives the same property in equitable mortgage to one financing institution and in oc registered mortgage to another financing institution. b...... the priority of charge will be determined with reference to the date of deposit of title deeds in equitable mortgage and the date of execution of registered mortgage deed.com.. admin@jaiibcaiibmocktest............ Select the FALSE one in case of Priority of Charge t......... The Point of Sale (POS) terminals do not represent which of the following …… w a.... 09994452442 b... 15 days c.. c.... Negative publicity due to break downs c.CAIIB DISCUSSION murugan0501@gmail.. www..... Cash out situation which reflect in the efficiency of the banks d............ 21 days d..c ...... the priority of charge will be determined with reference to the date kt of the execution of the deeds which has been duly registered within four months of execution (not the date of registration).... A Point of Sale terminal is predominantly used for payment for sale transactions only but not for purchases transactions..d ......... www...b .d . An equitable mortgage in no way gives inferior rights compared to a m registered mortgage.......c a...jaiibcaiibmocktest......ja Ans ...... All of the above ..com........ 09994452442 ................ Point of Sale is simply an electronic transaction terminal used in an electronic Point of Sale system...... Where a mortgagor creates more than one equitable mortgage over the same property in favour of two financing institutions.... the institution in whose favour the mortgage is created first....JAIIB CAIIB STUDY MATERIALS .... d.. Where a mortgagor has created separate registered mortgages over the same property in favour of two or more financing institutions..com Facebook Groups ..... ATM is a double edged sword increasing the chances of fraudulent withdrawals iib b.com..... has priority of es charge.............com murugan0501@gmail... w b..... Net Settlement when the transfer of funds actually takes place... admin@jaiibcaiibmocktest. Transfer of funds to any third party w d.. None of the above iib Ans .... ca Which types of the following risks to the customers as well as to banks are carried by the ATMs? a. 30 days om Ans ..... c.com........ Ans .......jaiibcaiibmocktest.

..com. 09994452442 The business model followed by Banks for retail banking are om a.d .b . Austria w b.. Adjusted Net Bank Credit iib Ans ........ Strategic Business Unit (SBU) Approach b.. Departmental Approach c. admin@jaiibcaiibmocktest......com Facebook Groups ... es What is sub target for MSE under Priority sector lending ? Pick up the ODD one : a....... Anyone of the above t.........jaiibcaiibmocktest.. Ireland w Ans ........ www..com.... Total 60% to go to MSEs oc d...... iib What stands for ANBC ? a.................. Automated net bank credit d.... Automatic national bank credit ca b...........b ...com murugan0501@gmail.CAIIB DISCUSSION murugan0501@gmail..............com.d . .. Netherlands w d.. 09994452442 ... Integrated Approach d.ja Which of the following country doesn’t come under Europe – eurozone? a........... admin@jaiibcaiibmocktest.......jaiibcaiibmocktest...... Which of the following dimensions do not relate to Marketing in Retail Banking? www..c Ans ....... 40% of total advances to MSME should go to micro units(manufacturing)with investment in P&M upto kt 10 lacs & services with investment in equipment upto 4 lacs b..com.. Sweden c.............JAIIB CAIIB STUDY MATERIALS ................ 50% to go micro with investment in P&M upto 5 lacs & services upto 2 lacs c............... 20% to go to Micro (Manufacturing)with investment in P&M above 10 lacs & upto 25 lacs and and services with investment above 4 lacs & upto 10 lacs m Ans .... Adjusted national branch credit c.....

...... A complaint should be filed before Court. 30 kt d..... admin@jaiibcaiibmocktest.... days of the receipt of information by it from the finance institution regarding the return of the cheque.. 09994452442 a.. 3 c...com...d ..d . www... 30 ca d.. CRM (Customer Relationship Management) has basically ..... 7 b...... 09994452442 ........ 15 Ans ...... t.....com Facebook Groups .........c w ...... Identifying the most profitable markets now and in the future b...com murugan0501@gmail..... a....com........ oc If drawer fails to make the payment of the said amount of money to the Bank within 15 days of the m receipt of the notice mentioned in MLQ4. within ........... Setting business development goals and making plans to meet them om d....jaiibcaiibmocktest..com. 2000 w c...... assessing the present and future needs of customers c.. admin@jaiibcaiibmocktest....ja of Rs ........................... 15 Ans . degree view of the customers and their profile.... 1000 b. 5000 d. 3 c........JAIIB CAIIB STUDY MATERIALS ..jaiibcaiibmocktest...... iib a... www. es a......... days from the date of cause of action........... 7 b............. None of the above Ans .c iib .. the bank has to give a notice in writing to the drawer within ..... 10000 w Ans .........CAIIB DISCUSSION murugan0501@gmail.. and above....com.. BCSBI commits to provide 'Online Alerts' to customers for all 'card not present' transactions of the value ....c When a cheque is dishonoured..

. 100 b.com.... i..com... www.. iv................ 09994452442 a... i.......com........ 180 c..jaiibcaiibmocktest. ii. iii............ Providing the right sales and service processes iii.CAIIB DISCUSSION murugan0501@gmail..... Bundi iib c.. ca a... Capturing the customer's profile through a technology enabled model iv......... 360 om d.. iii.... Under simple registered mortgage.. admin@jaiibcaiibmocktest... Kota b... Branch and Extension Counters c... sub-Registrar/Registrar..... Physical Channels w b..d ....com murugan0501@gmail. 09994452442 .. Designing suitable products and services to the targeted and segmented customers es ii.. ii b....... Any where ... i... t. iii...jaiibcaiibmocktest. admin@jaiibcaiibmocktest.... 0 Ans ..d .....com Facebook Groups . iv c...... iv.. ii oc m Ans ........c Arrange the following stages of a CRM in the order in which they come first. i... the Deed of Mortgage is required to be registered with the .. iii.. Internet Banking and Mobile Banking w d... iib Mr Raj is from BUNDI Rajasthan working in OBC bank at KARNAL want to purchase a house at KOTA by taking housing loan under staff HL scheme... Karnal d.... iv..com. i d..c .....ja Ans .. www.... All the above Ans ..... The channels through which Retail Banking services are offered are? w a........ ii....JAIIB CAIIB STUDY MATERIALS .......a ........ ATM............... Offering the products and services to the targeted and segmented customers kt a.

is part of ________ agriculture: a....... Term Deposit Account c...... w Loans upto ________ to Producer Companies set up exclusively by only small and marginal farmers under Part IXA of Companies Act. The branch tangibilizes the intelligible nature of banking service om b... Lesser transaction costs as compared to other channels d..d t......com.........JAIIB CAIIB STUDY MATERIALS ............. Recurring Deposit Account b..com... Facilities of withdrawing cash anywhere anytime d. Which of the following facility a Mobile Banking customer cannot use? es a..... Communication happens directly with the bank staff and customer d.. A good branch ambience enhances the feel good factor c......... Easy and most acceptable delivery channel iib b..com......... 5 crore direct agri www. iib Which of the following is not a Retail Deposit Products? .. All the above Ans ..... 09994452442 The branch is the primary direct channel that drives Retail Banking by the following reasons …… a.c w ...jaiibcaiibmocktest......CAIIB DISCUSSION murugan0501@gmail.....b ............... Current Deposit Account w Ans .......c ........com Facebook Groups ..ja a.. Balance Enquiries and facility for shopping and paying through mobile Ans .jaiibcaiibmocktest.. 09994452442 .. Cost effective solution as compared to ATMs ca Ans .. admin@jaiibcaiibmocktest...... 1956 for agricultural and allied activities. Facility for using banking facility from anywhere b.....com..com murugan0501@gmail.. oc m Which of the following is not a benefit and use of Mobile Banking? a............ www...... CC/OD account facility to a corporate office d............ admin@jaiibcaiibmocktest.. Option to pay utility bills and Transfer of funds between accounts of same bank and other banks kt c.... It is a tool to attract of the old generation clients c..............c ..........

.... www.....com....d w .... All the above iib Ans .... admin@jaiibcaiibmocktest...........com......... Any one of the Ans .............. 2 crore indirect agri c.. Savings Accounts oc m b.....c a....com murugan0501@gmail.. Distribution of mutual fund schemes d..... All the above www.JAIIB CAIIB STUDY MATERIALS . 09994452442 ....... 09994452442 b..... b....... 5 crore indirect agr d...... NABARD only d....CAIIB DISCUSSION murugan0501@gmail....... Predominantly Horizontally Organised Model with some modularization within a product ..ja oriented feed back.com... Vertically Organised Model where functionality is provided across all products...... c......com Facebook Groups ... ca Process models in retail banking are structured as iib a..d .jaiibcaiibmocktest.....jaiibcaiibmocktest....... d....b ............................ w Para banking refers to …… w a.. Board of Directors es c. Commitments to customers under BCSBI cover …… a. Rate of Interest on Priority sector loans is fixed by : t... RBI kt Ans ...... admin@jaiibcaiibmocktest.com.......... Distribution of non life insurance policies c. Distribution of life insurance policies b.......d .. 1 crore agriculture om Ans . Loan Accounts c. Credit Cards & Mobile Banking d.. Horizontally Organised Model where individual process platform supports one product only. Govt of India b.....

.....ja Ans – c ... Retail loans other than housing loans c....... c. www...c es .. Supply Chain Management oc m Ans .................. who themselves are drawing and disbursing authorities and take w housing loans. Parkins from USA that the Internet Banking.... admin@jaiibcaiibmocktest.. a letter of undertaking from them is sufficient. discount brokerages and mutual funds .... Letter of Credit d. b.. admin@jaiibcaiibmocktest........ Movement of retail financial services to electronic delivery including insurance..... Which of the following are not related to Internet Banking Services? kt a..com.... iib Which of following is not an observation of Ernest T...d ..... Corporate Internet Banking c................c d.com.... In case of Government officers..jaiibcaiibmocktest. Internet Commerce b. d. post-dated cheques should not be obtained. going forward......... would have great implications? ca a.... None of the above Ans ... In case of Government officers. There will be an irrevocable letter of authority from the borrowers for deducting a specific amount of w monthly installment from his salary/wages... Mainly housing loans t..jaiibcaiibmocktest............. Where check-off facility is not available to the bankers..com Facebook Groups .. who themselves are drawing and disbursing authorities and take housing loans. Electronic retail banking and new types of electronic retail payments c.com.. www...com........ a letter of undertaking from them is sufficient.... 09994452442 ........JAIIB CAIIB STUDY MATERIALS .CAIIB DISCUSSION murugan0501@gmail...................... All retail loans b...... Payment Gateway services b. Select the FALSE one in case of Check-off facility : w a..c .. 09994452442 Ans .......com murugan0501@gmail.. The product for retail banking has been broadly rejected by the customers iib d........ om Mortgage Backed Securitisation (MBS) is backed by …… a....

09994452442 Ans ...............c ...... 30 d..JAIIB CAIIB STUDY MATERIALS ....................jaiibcaiibmocktest.com murugan0501@gmail.... the borrower should be immediately contacted....... w a...............CAIIB DISCUSSION murugan0501@gmail... The cheque should be re-presented within a period of ..... 3 c. Expansion of the customer relationship with the bank oc m d... 09994452442 .. Acquisition of new customers b..... either a or b Ans .......... 15 es Ans .......d iib ........com.....ja Ans .........com Facebook Groups . Decreasing dependence on technology Ans .. days of its having been returned unpaid with written request from the borrower... Employee value is ..... w better business values and volumes..com..... www..................... admin@jaiibcaiibmocktest..... Improvement in operational efficiencies iib c......b ......d . Reduction in operation cost for the bank b. Retention of existing customers c... increased b.....c b... a. admin@jaiibcaiibmocktest.com.......jaiibcaiibmocktest.a ..... Which of the following is not a result of shifting the customers from the branch to the ATM? ca a. om In case of cheques received unpaid from the paying banker for want of sufficient funds..... decreased w c.... www............... Reduction in delivery cost d. by deploying them in marketing and for cross selling / up selling opportunities.......com.................. 7 t...... kt Which of the following dimension of CRM is not an approach of customer optimization? a.... None of these .... not affected d...

.........com Facebook Groups ..com. es What are extant guidelines for Agriculture advances to corporate/partnerships & institutes engaged in agri & allied activities:‐ kt a........com murugan0501@gmail.. Loans upto 2 crores covered under Direct Agricultiure b..d oc m ...c Ans ....... Housing & Education &.....com....... Loans to individuals utp 15 lacs in metro/towns with population upto 15 lacs c..........jaiibcaiibmocktest........... t...others Ans . Loans of metro as well as other centres to individuals per dwelling unit per family........c iib . Loans above 2 crores covered un Indirect agr... admin@jaiibcaiibmocktest. Rs 15 lacs in other centres with population less than 10 lacs d.CAIIB DISCUSSION murugan0501@gmail........... w According to the BCSBI codes bank has to inform the customer classifying his account as DORMANT / INOPERATIVE before …… a...... Loans to individuals upto 25 lacs in metro cities with population above 10 lacs b..b .. a & c Ans . What changes were observed by Ernest T...ja a....jaiibcaiibmocktest..d ... 09994452442 What is quantum/ceiling of loan under Priority Sector ? Pick up the ODD one : om a.... Loans to banks staff ca d..... Commoditization of banking products c......... Micro & Small Enterprises c..... www.................. Reduction of Geographic Barriers b.. 1 month www........................ d.. Agriculture b.. Parkins from USA in Internet Banking? ..............JAIIB CAIIB STUDY MATERIALS .... All of the above w Ans ..com.. Loans upto 1 crore direct agri c.. admin@jaiibcaiibmocktest.. 09994452442 ..com.. Which of following is not part/category of Priority sector lending ? iib a. New competitive strategies adopted by competitor banks w d.

20..........00 Lacs for purchasing a flat for self-occupation on 30/03/2000 & paid w Rs... 30.. 1.com..... Ravi took a Loan of Rs.000 www..... All the above kt Ans ......com murugan0501@gmail..com...jaiibcaiibmocktest.. Commission A/c c... 1....ja d... on becoming dormant om Ans ...... Rs.. 2 months d......80. Banks distribute the following types of products in life and non life insurance business …… t...20. Single Premium Individual Policies es c.JAIIB CAIIB STUDY MATERIALS . oc As a Corporate Agent .. One Life Insurer and One Non Life insurer d..com Facebook Groups . One Non Life (general) insurer c.......... 09994452442 ... ca Prepayments charges collected by branches should be credited to which account? iib a...00..com................. www. Rs..000 c..50. Anyone of the above iib Ans ... Current A/c Ans ... Rs.....000 towards Interest during FY. 2007-08....... 3 months c...CAIIB DISCUSSION murugan0501@gmail..com.. 09994452442 b....jaiibcaiibmocktest.. 1. Rs...c ...... Banks can distribute the products of …… a..c a. Exchange A/c .. admin@jaiibcaiibmocktest..a ................ admin@jaiibcaiibmocktest.. 1...000 d.......000 b.. Interest A/c b....... The maximum amount of Interest which he can claim as a deduction would be… w a...b ..... Group Insurance Policies d........ Regular Premium Individual Policies b...d ..... One Life insurer m b...... w Mr.......

...com...00....... Foreign banks with less than 20 branches in India...000 t.....c .. Foreign banks with 20 or more branches in India. Rs.com..c c..000 d......... 1.CAIIB DISCUSSION murugan0501@gmail.... is part of Indirect Agriculture:‐ w a....... 09994452442 Ans ............ One b.. 1961? a...... seeds...20. No Limit oc m Ans .. a & c Ans .......... Five d....... 1....... pesticides.jaiibcaiibmocktest...........com.. Rs.. www............. kt The maximum number of Mutual Funds that can be distributed by Banks as a Corporate Agent is …… a.. 09994452442 . 8 crore w d...d .JAIIB CAIIB STUDY MATERIALS ..... Rs..d .........e 40% target b... Two c.50..a ................000 b.... poultry feed......com Facebook Groups .. admin@jaiibcaiibmocktest. are now at par with Indian banks i........ iib What are priority sector targets for foreign banks as per extant guidelines now:‐ ca a..jaiibcaiibmocktest.. 5 crore Ans .............ja .. have 32% PS target iib d..........cattle feed. admin@jaiibcaiibmocktest.... 1 crore w b...d ....... Loans up to _________ borrower to dealers /sellers of fertilizers. Rs..com murugan0501@gmail. Foreign banks have 32% targets irrespective of number of branches c...000 es Ans .... 1.... www......... agricultural implements and other inputs...com.. om What is the maximum amount that can be claimed as a deduction under 80C of the IT Act...... 2 crore c..... 30.....

....... w a.jaiibcaiibmocktest.... iii and iv Ans ..... ii...... admin@jaiibcaiibmocktest... i......... iv w c... Electronic Bill Passed for Payment....... iii b. ATM iib b. i.com....... i. 09994452442 ...... ii. iii......... iii...jaiibcaiibmocktest. 10 days b. oc m Which of the following is a direct channel but not a remote channel? a.. om b.ja i.....com.... www.. Electronic Bill Presented for Payment........... Electronic Bill Presentment and Payment........ w iv.....b .a t..com murugan0501@gmail. iv d.... iib Data warehouse is one of the most important backbone of CRM..com...... Internet Banking ca Ans ......d .com.CAIIB DISCUSSION murugan0501@gmail. ? a. Which of the following is correct regarding data warehouse ? .... Electronic Bill Presented for Passing...... It enables an organization to consolidate data from several sources......... C & production of proof of death and other documents to banks satisfaction Ans .... 15 days from receipt of claim d.... It usually contains historical data derived from transaction data. ii...... iii. Claims with regard to Deceased depositors should be settled within a period of es a......JAIIB CAIIB STUDY MATERIALS ...... 15 days kt c............d . It is a relational database.. It is designed for query and analysis rather than for transaction processing. www.. admin@jaiibcaiibmocktest.........c ... 09994452442 EBPP in Internet Banking stands for . ii....... c.. Ans ...com Facebook Groups ... d. Mobile Banking d......... Branch c..

... data mining c.JAIIB CAIIB STUDY MATERIALS . Repayment iib Ans ..... ca c....... Information acquisition...com... Disbursement.. b........ none of the above Ans . Loan origination not refers to ..... either a or b d. data warehousing b.. Credit appraisal and sanction w b..... es Recovery Officer of Debt Recovery Tribunal …… be a judicial Officer kt a..........b ... Service charges under Priority sector lending are exempted for loans upto: www..com Facebook Groups ................. Credit appraisal and sanction.... FOLLOW UP AND RECOVERY w d..d . Disbursement.. d.... None of the above w Ans .......CAIIB DISCUSSION murugan0501@gmail.......... 09994452442 The process of turning raw data into useful information (so that banks can learn more about the pattern and behaviour of customers) is known as . admin@jaiibcaiibmocktest............. www... data clustering d......c Ans ..ja This is an important phase in the origination cycle as decisions made here affect the health of the portfolio.... need b..a ....com.com.. a.. need not c.............. 09994452442 .......... om a.....b oc m .. . admin@jaiibcaiibmocktest.. iib a.........jaiibcaiibmocktest................. data purification t... c...........com murugan0501@gmail...com...jaiibcaiibmocktest.....

.. Rs 50000/- Ans .. 09994452442 a.. All loans to KVI sector in rural & semi urban but maximum upto 5 crore Ans ..... All loans sanctioned to units in the KVI sector.......d .... 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. All loans only in population upto 50000 as per planning commission............ c..... Such loans will be eligible for classification under kt the sub‐target of 60 percent prescribed for micro enterprises within the micro and small enterprises segment under priority sector....... oc m Which of following is true about overdrafts to no frills to be treated as priority sector ? iib a.. admin@jaiibcaiibmocktest.com Facebook Groups ... irrespective of their size of operations........ 09994452442 .......... Credit Card Receivables and Mortgage Loans like Home Loans...jaiibcaiibmocktest... t........ Asset classes/receivables like Car Loans...........com.... are grouped together and securitized in …… www.......d . location and amount of original investment in plant and machinery.......... to be decided by Govt of India presently 6% w d..... www.... Rs 15000/- c...com murugan0501@gmail. ca d. Overdrafts to No frills account upto maximum 50000/‐in rural & semi urban areas.com..... 10000/- b....... es b..... admin@jaiibcaiibmocktest. d..c What is correct about Khadi village Industries loans under MSE in Priority sector ? a...c ....JAIIB CAIIB STUDY MATERIALS .. All loans to KVI sector in rural areas only to be treated as micro. ...ja What is correct about rate of interest under DRI scheme ? a.. Overdrafts to No frills account upto maximum 25000/‐but within rural areas only.c .CAIIB DISCUSSION murugan0501@gmail.... 7% simple c.....com... 5% below base rate w b.......com. Rs 25000/- om d..... iib Ans .. 4% simple w Ans ........ Overdrafts to No frills account upto maximum 25000/‐ b...................jaiibcaiibmocktest. c...

..com...... 132 b.......... 152 d.. 20 c.. PTC om c................. admin@jaiibcaiibmocktest.......... w a....d ..... 142 ... EFMA conducted a study on global Retail Banking market covering …… Banks..... oc EFMA conducted a study on global Retail Banking market in …… m a...... 30 www.. t......jaiibcaiibmocktest. w EFMA conducted a study on global Retail Banking market covering banks in …… Countries....jaiibcaiibmocktest.. 25 d............. ABS Ans - ...com Facebook Groups ..com....d ca .b w .... issued by GOI b.......JAIIB CAIIB STUDY MATERIALS ...com.... 09994452442 a...... Codes given by customers kt d.. 15 b...........com. SPV b...ja c....c BCSBI codes are …… es a.. admin@jaiibcaiibmocktest. 09994452442 ................... 1986 b. CDO d........... 2006 Ans .. 162 Ans .... iib a........ www..com murugan0501@gmail.... voluntary codes by bankers Ans . Voluntary codes c.CAIIB DISCUSSION murugan0501@gmail....... 1992 c.. 2002 iib d..

.. In foreign banks and new generation private sector banks......com... separate departmental activity b....... Today many supermarkets offer free loyalty cards to customers that give them access to reduced prices kt not available to non-members.................com Facebook Groups .........................b ...... iib In PSBs.jaiibcaiibmocktest............ either of a or b d..a .........b es ...JAIIB CAIIB STUDY MATERIALS .b . retail banking is carried on only as a .... admin@jaiibcaiibmocktest... SBU (Strategic Business Unit) w c......... both a and b Ans .... separate departmental activity b......... for data verification c... Bundesbank AG c.CAIIB DISCUSSION murugan0501@gmail.. for effective data mining oc m Ans ... the "Big Five"? a. Why so? a..... www.................. both a and b w Ans ....... 09994452442 Ans ........c d......... ca a.... om Which one is not one among the Europe’s large private banks.jaiibcaiibmocktest....com..... for effective data warehousing b.... for data encryption d...com. admin@jaiibcaiibmocktest.. Deutsche Bank AG b. www. SBU (Strategic Business Unit) c.....d ...... HypoVereinsbank AG t.ja .......com murugan0501@gmail. w a............... either of a or b iib d............ Commerzbank AG Ans ......com.... retail banking is carried on as a . 09994452442 ..............

. B2C approach kt b.. Bundesbank c.. d. www.. 09994452442 A DMM (Dedicated Marketing Manager) should possess following qualities.............. Neither a not b Ans ....... Changed their focus with some strategic changes...com murugan0501@gmail....... Market Intelligence c...com.CAIIB DISCUSSION murugan0501@gmail..ja business objectives.................c Ans .... None of the above w Ans ... Product presentations to the identified customer segments t. Sales conversions b.. PDA in Internet Banking stands for . 09994452442 .. www... B2B approach c.. a..............com.......... Sparkassen b............ None of the above Ans .......... b. Moved out of the business.................... ? a...b ... Foreign banks cited in the topic. when not able to achieve the . d....... w c..com......... A DMA need not focus on loyalty factor as the loyalty factor is already attached with the PSBs. om a....c ...... admin@jaiibcaiibmocktest...... oc m Head institutions of public sector banks in Europe are known as …… iib a....jaiibcaiibmocktest....b w ........... Landesbanken ca d..... which entered in retail banking activities..c iib . Select the inappropriate one. Continued with their business in spite of not being profitable. admin@jaiibcaiibmocktest..JAIIB CAIIB STUDY MATERIALS ....jaiibcaiibmocktest. Either a or b d..com. es Corporate banking is a …… a...com Facebook Groups .... Personal Data Attendant.

... None of the above kt Ans . www.jaiibcaiibmocktest.com Facebook Groups .ja c.... Staff Approach b....com murugan0501@gmail.. Specialized Market Personnel c................com.... View of Balance and last few transactions b..jaiibcaiibmocktest.com............ b.....CAIIB DISCUSSION murugan0501@gmail........... SBU in Internet Banking stands? iib a......c a........... Which of the following services are not offered for Internet Banking customers? t..d ..... oc Which of the following important human interventions are not available in physical channel in Service Delivery? m a..com. Personal Digital Analyzer.... w Which of the following is the enabler for building and translating a customer data base into retail banking business? w a.... Strategic Business Unit .... Small Business Unit b.... Up Selling www... Internal Customer........ Personal Data Assistant. Ans ... Personal Digital Assistants d.....Staff of the Branch....JAIIB CAIIB STUDY MATERIALS ......... admin@jaiibcaiibmocktest.......... Strategic Banking Unit Ans ..... Cross Selling d. Utility Payment facility payment of insurance premium..... Sophisticated Business Unit d. energy bills d...b w ........ admin@jaiibcaiibmocktest.. Net Banking and Mobile Banking...... om Ans ... telephone bills.c ...... 09994452442 b.. c.... Direct Selling Associates (DSAs) iib d...d ca ............... Transfer of funds between accounts within the bank es c. 09994452442 . Technology c...com...

..... this model is known as ____........CAIIB DISCUSSION murugan0501@gmail.. Predominantly Horizontally organized model iv...JAIIB CAIIB STUDY MATERIALS ...c c.......... 1.... both i and iii iib c. w Ans ... Vertically organized model iii.Y............ Internal Customer .. 2006-07...com Facebook Groups .000 www. All the above.a ...... Total Branch Automation d..... 57. or 80CCD..... Specialised Marketing Personnel c.. w An individual took a loan of Rs. Automated Ledger Posting Machines es Ans ... Horizontally organized model ii. 09994452442 Ans ...... Predominantly Vertically organized model oc m a.jaiibcaiibmocktest....10.... www.....jaiibcaiibmocktest. iib Human interventions in the delivery of services are …… a.. 80CCC. He has not made any other contribution under Sections 80C...00 Lakhs for purchasing a plot of land during F.. 09994452442 ..... om Which of the following was the beginning of the level of technology implementation in PSBs? a... both i and ii b. POS b...50.. Regional Net worked hubs t.... 1. i. both iii and iv d.....d . 10.. both ii and iv ca Ans ......com..... a...b .d .. admin@jaiibcaiibmocktest.......Y..........com.. 2005-06 & has paid w around Rs.........ja b.......Staff of the Branch ...... He will be able to claim deduction of ……towards principal. admin@jaiibcaiibmocktest..com murugan0501@gmail.........000 towards Interest & around Rs.... Rs......000 towards principal during F.com. kt When the data is available product wise on a stand alone basis.com............... Direct Selling Associates (DSAs) d..

jaiibcaiibmocktest.. ? t. admin@jaiibcaiibmocktest.. shall also be treated as priority sector advances. ca What is appropriate about incremental loans by banks under MSME to be reckoned as priority sector lending ? iib a.. w Who is small & marginal farmer ? a..000 c.. 2014 w d.d ... www. oc Which of following is part of direct agriculture under Priority sector ? a....... b...seeds etc.. Internet Service Providers... admin@jaiibcaiibmocktest............b ..com....... up to the credit limit of Rs.... kt Ans ......... 09994452442 b..2013.......CAIIB DISCUSSION murugan0501@gmail....c a.. (as against the present ceiling of Rs.. Internal Security Procedure. The above dispensation will remain in force up to March 31...d .10... b & c iib Ans ..... Rs...000 d.. ................d ...... 10 crores....pesticides... 1.... All the above w Ans .... 5 crores)...com.. Loans upto 5 crore to dealers in fertilizers....... www.com.JAIIB CAIIB STUDY MATERIALS ... 09994452442 .................50 acres irrespective whether irrigated or unirrigated.... Who holds land upto 5..com murugan0501@gmail...... Rs.. 57..ja b.. Rs. similar incremental loans to micro and small service enterprises upto the credit limit of Rs... 10 crores..jaiibcaiibmocktest..... 0 om Ans .... c.. Internal Security Provider...... d...... es c. ISP in Internet Banking stands for ...... In line with the above.... Loans to distressed farmers indebted to non-institutional lenders. Internet Service Punching..com Facebook Groups . The incremental bank loans to medium service enterprises extended after November 13... m b. d........ would qualify as Priority Sector Advances.... c. Loans to small and marginal farmers for purchase of land for agricultural purposes..com.

.b w .. co-operative banks iib a. Farmers with a om landholding of more than 1 hectare but less than 2 hectares are considered as Small Farmers.....ja c.... credit b... w Cash Tree (a common networking arrangement) is owned by ....d . kt a..JAIIB CAIIB STUDY MATERIALS .......jaiibcaiibmocktest...com murugan0501@gmail......jaiibcaiibmocktest. For the purpose of priority sector loans ‘small and marginal farmers’ include landless agricultural labourers......... UBI b. both iii and iv Ans ........com...... operational d. Private banks iii... Farmer who holds land upto 5 acre small and upto 2........... t.. 09994452442 b.50 acre marginal.......... both i and ii b. tenant farmers....com... whose share of landholding is within above limits prescribed for “Small and Marginal Farmer......... Farmers with a landholding of more than 1 hectare but less than 2 hectares are considered as Small Farmers..c Ans .. reputation oc m Ans .... www... 09994452442 . both ii and iii . i..... PSBs ca ii. Farmers with landholding of up to 1 hectare is considered as Marginal Farmers.. c................. liquidity c.... oral lessees and share-croppers..com Facebook Groups .. SBI www....... d... BOI d.. risk for the bank.. admin@jaiibcaiibmocktest.. Farmers with landholding of up to 1 hectare is considered as Marginal Farmers.... both i and iii d.. admin@jaiibcaiibmocktest.com. foreign banks iv... iib Sales through Tie-Ups with auto dealers is more prevalent in ...com.CAIIB DISCUSSION murugan0501@gmail..c . OBC c....... w a. es Misselling retail loans by a DSA (Direct Selling Agent) and the resultant dissatisfaction of the customer results in ......

.....................JAIIB CAIIB STUDY MATERIALS ..... "Do you want fries with that?" In this case....... admin@jaiibcaiibmocktest... 09994452442 Ans ...... All the above...com.....d es ..com.. Ans .... down selled w d.. Standard Chartered Bank c..........c ............... Financial transactions (securities trading.... foreign currency transactions) t..b ..com............ The implementation models followed by banks for retail banking are kt a. Predominantly Horizontally/Vertically Organised Model d.. up selled c... om Which of the following customer services are offered online? a.. iib Which is one of the pioneers in introducing consumer banking models with hybrid liability and asset products specifically targeted at the personal segment? ca a.... admin@jaiibcaiibmocktest... www..............com murugan0501@gmail...... Horizontally Organised Model b............c d. Vertically Organised Model c...........jaiibcaiibmocktest....... applying for products on-line) c...... side selled Ans ..........com..... Andhra Bank b..com Facebook Groups ...b .. 09994452442 .. Bank of Baroda Ans .... funds transfers.............. realtime account balanced) b.... www... Suppose you went to a restaurant and order a hamburger.... Anyone of the above oc m Ans – d . cross selled w b..........jaiibcaiibmocktest........ you are being . The cashier / waiter ask you.. State Bank of India iib d.. Account monitoring (electronic statements.....CAIIB DISCUSSION murugan0501@gmail....... Account management (bill payments..ja . w a.......

....... None of the above.. w Who were the two of the early players in the credit card business in the PSB space? a.......... up selling c.com. 09994452442 .. ca Ans .... State Bank of India and Andhra Bank b.............com......... 09994452442 Warranties on electronic purchases are examples of ____. c.com Facebook Groups ..... iib b............. side selling Ans . d............. a......... Predominantly Horizontally organized model d...... iib Which bank created waves in the early 1980s with their credit card products? ..c .. Vertically organized model kt c.c . admin@jaiibcaiibmocktest...JAIIB CAIIB STUDY MATERIALS ...com....com murugan0501@gmail.....CAIIB DISCUSSION murugan0501@gmail. State Bank of India c.jaiibcaiibmocktest.... Standard Chartered Bank b.... Citibank d...... admin@jaiibcaiibmocktest..... es a............ Horizontally organized model b............com. Bank of Baroda w Ans .....b t...ja a......... The customer information is centralized and the functionality is provided across all products in _____... cross selling om b..... down selling d... 25 yrs.. Predominantly Vertically organized model Ans .... Bank of Baroda and Andhra Bank c. oc m Parent documents for housing loans should be provided for a. State Bank of India and Bank of Baroda www........c w .... 20 yrs.. 30 yrs.b .. www......jaiibcaiibmocktest..

.....ja d.com. his requirements of financial products and his life stage m b... The requirements for delivering effective service to the customers are …… oc a....... Semi Urban................... Facility of Mobile Banking d................... Classification based approach es d......... Post sales service follow up for customer satisfaction d.... All the above iib Ans .. ca Tie ups are not entered into by banks for bulk sale of the following assets …… iib a..........com....... Facility of ATMs b... his needs.jaiibcaiibmocktest........ CC/OD Accounts .......... All the above. Urban and Metro? t..b om ... admin@jaiibcaiibmocktest.com.........JAIIB CAIIB STUDY MATERIALS .............c ......... w Electronic Channels in retail banking refers to …… w a..c kt ........... Ans ... Segmented Approach b. Understanding the customer...........com murugan0501@gmail..... Education Loans Ans .........com.... his income level...... admin@jaiibcaiibmocktest.........com Facebook Groups . 09994452442 d..... www..... Rural.... www.. Home Loans b. None of the above Ans ....d ...... Customer Empathy c. 09994452442 .......jaiibcaiibmocktest...CAIIB DISCUSSION murugan0501@gmail.. Geography based approach c....c a......d ... Facility of Internet Banking w c. Auto Loans c... In which approach strategies are designed based on the type of branch viz... Bank of India and Andhra Bank Ans .. his financial profile..

..c Ans .....jaiibcaiibmocktest.....a .. admin@jaiibcaiibmocktest....... oc m What are the standard retail asset products offered by banks? iib a.... B2C approach b........JAIIB CAIIB STUDY MATERIALS ............ Neither a not b w Ans . es Liability products are offered to retail banking customers basically under? a... www............com Facebook Groups .........jaiibcaiibmocktest..................... Poland c... Either a or b w d....... Car Loans ca d........ Slovakia d...... Housing Loans b....... Savings Accounts kt b...... Retail Banking is a …… .com murugan0501@gmail...d ...com... www...d iib .... 2/3rd of DRI to be given through rural & semi urban branches. w What is appropriate about targets under DRI scheme ? a........Non-eurozone? om a.....com. 09994452442 Which of the following country doesn’t come under Europe ...... France t.... 09994452442 ....com. B2B approach c.... All three Ans ......CAIIB DISCUSSION murugan0501@gmail......d .. Current Accounts c.. All three Ans ....ja a.. Switzerland b...... Consumer Durable Loans c.. 1% of outstanding as target of DRI b. Term Deposit Accounts d..... admin@jaiibcaiibmocktest.....com.

....... a & b om Ans ... agriculture & weaker sections) to the Rural es Infrastructure Development Fund (RIDF) established with NABARD or Funds with NHB/SIDBI/other Financial Institutions..com.jaiibcaiibmocktest.. will contribute their shortfall in(total p/sector target.. Domestic scheduled commercial banks and foreign banks with branches 20 and above.......com.........d w ... 5% outstanding last year. Ans ... 09994452442 c.... b & c Ans ......d .....com murugan0501@gmail.. All Indian scheduled banks have to contribute their shortfall to NABARD...b iib .... b......... At which stage of product life cycle the product is likely to break even and start earning profits? a..... c..... 5% of ANBC but outside Priority sector targets........ introductory stage www...... The banks not achieving priority sector targets... c. 09994452442 .......JAIIB CAIIB STUDY MATERIALS .. as specified by the Reserve Bank.... Cashnet w Ans ... have to contribute: t... 3/4th to be routed through rural/semi urban branches d..CAIIB DISCUSSION murugan0501@gmail................... BANCS d... Cash Tree w c. It is also the largest private .... admin@jaiibcaiibmocktest. a......... 5% of ANBC and part of priority sector lending b. . d.....com Facebook Groups ........ oc m Credit to women beneficiaries is: iib a... www............ admin@jaiibcaiibmocktest. The foreign banks with less than 20 branches...com... which fail to achieve the priority sector targets are kt required to contribute to funds with SIDBI or with other Financial Institutions........ja shared ATM network with IDBI Bank acting as the settlement bank......... Infinet b....d ... 1% of ANBC outside Psector targets ca d.....jaiibcaiibmocktest..... for such other purpose as may be stipulated by Reserve Bank of India from time to time. is the first independent nation wide shared ATM network in India..c a.com.

.. Why CRM ? t.....CAIIB DISCUSSION murugan0501@gmail.. admin@jaiibcaiibmocktest........ 09994452442 b.....c a..d .. This is an example of ___........... Transfer of funds between accounts .... w a.... the functionality is limited to one product only....... Predominantly Horizontally organized model d. Facility for using banking facility from anywhere m b....c ..... Horizontally organized model b.....instructions carried out by self c.. this process model is known as ____.com... 6000........ Easy operations ...com Facebook Groups . w Suppose you are viewing a 4GB iPod Nano for Rs.. All the above kt Ans ......jaiibcaiibmocktest...jaiibcaiibmocktest...ja c........................ admin@jaiibcaiibmocktest. growth stage d............ Increasing Competition in retail banking es c....... Predominantly Vertically organized model Ans .. pull sell c....... The shopkeeper shows you 8 GB iPod Nano worth Rs..e.. Vertically organized model ...a w ...com murugan0501@gmail.same bank and other banks iib Ans .... 09994452442 ........JAIIB CAIIB STUDY MATERIALS .......... development stage om Ans ... www.. Depositing Cash d..com......... 4000 in a shop.com...... i....... maturity stage c. Delivery Channel Efficacy and application of technology d. push sell b..... cross sell www. up sell d.com.. oc Which of the following facilities is not available for mobile banking customers? a. iib a.. Need to increase operational efficiencies and to derive more value from employees b. ca When the data is not shared with other products and product platform..c .

...jaiibcaiibmocktest........................com.... the bank of the customer c. promote a fair and cordial relationship between the customer and their bank d.....d .....d .... admin@jaiibcaiibmocktest... Anyone of the above .... Both A & B Ans .. up sell d.. The customer w b................ 09994452442 .. admin@jaiibcaiibmocktest.c b......... 09994452442 Ans ...com Facebook Groups . www.com... All the above iib Ans .. In the BCSBI code the words ‘ you’ and ‘we’ refers to w a. cross sell es Ans ......com.......... encourage market forces.....CAIIB DISCUSSION murugan0501@gmail. the inspecting officer w d... 800..jaiibcaiibmocktest...c .com....... This is an example of ___........ Partially outsourced model iib c.. pull sell c.... to achieve higher operating standards m c..................... om Suppose you are viewing a 4GB iPod Nano for Rs.. a... promote good and fair banking practices by setting minimum standards increase transparency in b.. www.. through competition................ Fully outsourced model b...... kt Banking Codes and Standards of India is aimed at the following …… services oc a.d ....JAIIB CAIIB STUDY MATERIALS .......... ca The technology models adopted by banks are …… a..................... push sell t.......d .....com murugan0501@gmail... 4000 in a shop....ja Ans ..... In house model d.... The shopkeeper shows you Apple In- Ear Headphones with Remote and Mic worth Rs......

...ja a.... 20 yrs c. no age limit Ans .....com................. www..c .... 100 w d...........JAIIB CAIIB STUDY MATERIALS ... All the above Ans .... Certificate course for Direct Recovery Agents by IIBF has minimum …… hours of training....jaiibcaiibmocktest...... Special quotes for high value deposits and retail assets kt c....com murugan0501@gmail... 09994452442 What is the minimum age limit for applying for credit card? a..................com Facebook Groups ....c ..CAIIB DISCUSSION murugan0501@gmail.com.50 lacs is referred to as a.......c t......... oc m Bank's representatives authorized to represent the Bank in collection or/and security repossession would contact the borrower after …… iib a.......com.... Bundled pricing/Holistic pricing based on total relationship d... admin@jaiibcaiibmocktest. 18 yrs om b.... admin@jaiibcaiibmocktest. 21 yrs d.... 0800 hrs ca d.........b iib . w The customer segment whose income level is between Rs....... Mass Affluent b.......jaiibcaiibmocktest................... Price structuring for products and services is attempted by banks in the following ways es a.d ... Super Affluent www.. 75 c........ 0900 hrs Ans .. 09994452442 . 50 b.......... 0700 hrs c. 125 w Ans . 0600 hrs b......com.. Stand alone pricing for different products and services b. . 10 lacs to Rs...

All the above Ans .. Rs 5 lacs oc m c...a irrespective of location ...... admin@jaiibcaiibmocktest.com............ 2nd dose only for SC/ST beneficiaries living below poverty line c..in all areas d...jaiibcaiibmocktest....... Rs 2 lacs d.....p.......................com..........c a.. HNW d...c .........a ... 2nd dose as per discretion of gram sabha committee es d......... 09994452442 c..... www.......com.. www..in urban iib b.... What is maximum allowable amount per unit under SJSRY scheme ? a. Whether 2nd dose of loan is applicable under national rural livelihood mission ? t.. w According to Maslow's Need Hierarchy Theory......... 2nd dose permissible but within overall subsidy condition Ans .....JAIIB CAIIB STUDY MATERIALS .......... 24000/.in rural & 48000/... Rs 240000/.........jaiibcaiibmocktest.... Rs 18000/. needs may be broadly classified as w a.........in urban centres c.....ja Ans ... Rs 10 lacs iib Ans ..............in rural area & Rs 24000/....d kt .. Physiological Needs b....... Safety Needs w c... Social Needs d..d . No second loan at all b....b .... 09994452442 . ca What is income criteria under DRI scheme ? a...... Rs 1 lacs b.com Facebook Groups .........com murugan0501@gmail..CAIIB DISCUSSION murugan0501@gmail. Rs 50000/......com........ admin@jaiibcaiibmocktest... All the above om Ans .............

Assurance b.CAIIB DISCUSSION murugan0501@gmail..... admin@jaiibcaiibmocktest........jaiibcaiibmocktest.....d .. seniority (age) w d.........com..com Facebook Groups ...............com..... es Customer data integration is available to a certain extent for other products also in ____ organized process model.... Predominantly Horizontally d. www... Vertically c... portfolio of products w b... Responsiveness d. Compounding is used to determine www.. admin@jaiibcaiibmocktest....JAIIB CAIIB STUDY MATERIALS ...............com...ja The bank employees have to give importance to customers based on their ____... Predominantly Vertically Ans .... Horizontally ca b..com murugan0501@gmail........c oc m . kt a... a...... a..........com... ... 09994452442 .c Ans . number of accounts w Ans .. The basic information is available across products for common services in ____ organized process iib model. Vertically c... Predominantly Vertically iib Ans ...... All the above t.....d .. current checking account balance c......jaiibcaiibmocktest....... 09994452442 Customers' expectations of service quality mainly depend on the following : om a......... Horizontally b..a ....................... Reliability c. Predominantly Horizontally d.................

..... Customers are different es b... the sales volumes remains stagnant... Principal b.com. the future value of present cash flows b........In the introduction' stage of a product.... t.... marketing and servicing it..... admin@jaiibcaiibmocktest.......... All the above. which is the second stage in the product life cycle...... iib a. Statement 1 is true b........ No.....d w .. Statement 2 is true c.. admin@jaiibcaiibmocktest. All are true kt Ans ........................ 2 www........ Either a or b om d.. 09994452442 a. Each customer will have different sets of need for financial services d.......In the 'growth' stage....com...... the sales volume will be low and revenue from the products will not be sufficient to cover the cost of producing............. Chennai and Kolkata have …… benches of Debt Recovery Tribunal a..a .. m Statement 2 ....c State whether the following is true …… a....jaiibcaiibmocktest.. www....... the present value of future cash flows c.com... The factors which are to be taken into account for calculation of Equated Monthly Installment (EMI) ...........JAIIB CAIIB STUDY MATERIALS .... Rate of Interest d... 09994452442 .. w Ans .CAIIB DISCUSSION murugan0501@gmail......ja are… a.. None of the above Ans ....... Both Statement 1 and 2 are true ca d.....com. Needs of the customers are different c....... Both Statement 1 and 2 are false Ans ....a iib . of years of repayment w c.com Facebook Groups ..d .. oc Statement 1 .....com murugan0501@gmail..jaiibcaiibmocktest..

The Expected Product ... Occupation/Business . All the above Ans ...........adding value in addition to features d.........c .....the core product oc m b.. All the above iib Ans . Product architecture consists of the following component/s a... admin@jaiibcaiibmocktest. 09994452442 b........ Dist..... Human Input Error w c.. All the above Ans ...................com. The Generic Product ..jaiibcaiibmocktest................ Family Size b... & Sessions Judge d...... 09994452442 ...... Income Levels c....... The Presiding Officer of Debt Recovery Tribunal is generally a judge of the rank of …… t....... www...............a ....... High Court Judge es c. www....d .adding additional features c.... None of the above kt Ans .. ca Credit Scoring Models are based on the following details of applicants: iib a...........com...... The Augmented Product.........JAIIB CAIIB STUDY MATERIALS ....jaiibcaiibmocktest....... Identity Theft d... w The most common mistakes in credit score will be due to the following. w a.....c a.. admin@jaiibcaiibmocktest.....d .........ja d......... 4 d.....com....... Confusion of names b. Supreme Court Judge b..com... 5 om Ans .d ........CAIIB DISCUSSION murugan0501@gmail......com Facebook Groups ...........com murugan0501@gmail. 3 c...

... 09994452442 .. disabled 3% c. Purchase of New Car b. disabled 2% Ans .CAIIB DISCUSSION murugan0501@gmail......d .......... admin@jaiibcaiibmocktest...JAIIB CAIIB STUDY MATERIALS ...... SC/ST 50%.. w Personal Loans are sanctioned by banks based on …… a.....SHG 50% max 1...SC/ST 50% max 10000/-.. oc m What is criteria of reservation under National rural livelihood mission scheme ? iib a..... women 30%.............. 40% project cost but max 35000 for all Ans ...... 5% disabled b..women 35%. All the above t...................com......com.......a ..jaiibcaiibmocktest..com murugan0501@gmail.......d ..... es What is correct about subsidy under National Rural Livelihood mission scheme ? a.others 40% max 15000/- d..b iib .... admin@jaiibcaiibmocktest.... 35% max 20000.ja a.25 lacs(Rs 10000 per member max) kt b........jaiibcaiibmocktest.. Purchase of land and construction c.... Salary in case of employees b............... Additions to the existing house d...... 09994452442 Home Loans are sanctioned by Banks for the following purposes …… om a.... Purchase of Two Wheelers w d..com Facebook Groups .... 25% for all(max 7500) Others 35% max 12000/- c........ All the above w Ans .. Auto Loans are given by banks for the following purposes …… ....com. Purchase/Construction of House/Flat b.com... www.......women 45 % disbled 6% ca d..c Ans . SC/ST 50%. SC/ST 35%..... Purchase of Used Car c.... 30% max(7500/-). SC/ST 40......... Monthly/Annual Income in case of business www.women 40%.

....d ..c a.......... Reward Points for usage of cards..CAIIB DISCUSSION murugan0501@gmail...........d .................com murugan0501@gmail... Facility to withdraw cash from ATMs upto a fixed limit c.. Silver Card b. ca The features available in all types of cards are a.... Payments for purchases are directly debited into the account b. d...com.. www... Process retail loans c........ All the above iib Ans . 09994452442 c. admin@jaiibcaiibmocktest.. admin@jaiibcaiibmocktest......................com.....jaiibcaiibmocktest......JAIIB CAIIB STUDY MATERIALS ..... Platinum Card d.... Both i and ii are true Ans ............jaiibcaiibmocktest... 09994452442 ....ja Ans .d kt ........d ........................ All the above om Ans – d ..........com...... w The characteristics of Debit Cards are w a.... Gold Card oc m c..... Release the loan either at their end or advise sanction to branches Ans ........com Facebook Groups ... Payments made for purchases/usage will be debited subsequently after a certain period d... www... All the above .............. Source retail asset business b... Retail Loan Processing Centres of banks are designed to t.... Facility for payment of purchases iib b. Cash Withdrawals through ATMs are debited to the account immediately w c.. Number of years of service/in business d.............. Do the valuation/legal opinion wherever necessary es d....com. Types of credit cards issued by banks in general are a.........

all of the above d.com Facebook Groups .............d . www. admin@jaiibcaiibmocktest....... None of the above www.jaiibcaiibmocktest..... Either a or b d..ja c....com.....c Ans ......JAIIB CAIIB STUDY MATERIALS .. Debit Cards b... w The process of converting future sums into their present equivalents is known as …… w a........ (a) and (b) above . iib a... 09994452442 .. Discounting c...b oc m .. the present value of future cash flows c...com. 09994452442 Payment Default Risk (chances of failure to pay the card dues) is embedded in om a.. es Discounting is used to determine kt a.. admin@jaiibcaiibmocktest........CAIIB DISCUSSION murugan0501@gmail...com..... the future value of present cash flows b...............c w . Both i and ii d........ (a) above b....... Credit Cards c. None of the above Ans . Instruments which create any right in an immovable property of a value of more than one hundred rupees.. Lease of immovable property where period is more than one year c.........jaiibcaiibmocktest. Gift ca b........ None of the above Ans . Only ii t..... Either a or b d....com..... The documents relating to the following transactions of immovable properties are required to be iib compulsorily registered : a...com murugan0501@gmail.. Compounding b........

.......... ...b . Basic level internet banking services . 2007-08. Proprietorship accounts d.000 towards Interest during FY............b .. om Mr.. 70...50.000 Ans – c kt Deduction can be claimed only in respect of one property of the borrower as per his choice...... Additions to the existing house iib d... Joint account in E/s c.. 2007-08. 1.. admin@jaiibcaiibmocktest.000 towards Interest during FY... Fully transactional website d... Purchase of land/plot c..jaiibcaiibmocktest.. 90.. Jointly operated accounts b.....jaiibcaiibmocktest.CAIIB DISCUSSION murugan0501@gmail.com..com Facebook Groups .... 60.. Ravi took a Loan of Rs...... w Following types of account are not permitted under Internet banking w a..60.. Rs....com.......00 Lacs for purchasing another house on 30/03/2001 & paid Rs.......000 es d.....000 c.......... Rs.....ja b...... Purchase/Construction of House/Flat b.. None of these w Ans .00 Lacs for purchasing a flat for self-occupation on 30/03/2000 & paid Rs.... 09994452442 Ans ... Simple transaction website c.... Rs...c a...........b ca . www.. 90.... He had also taken a Loan of Rs...... 1.com. 09994452442 .. Purchase of land and construction Ans . Website of a bank permits its customers to submit their instructions and application for different iib services etc but do not permit any fund based transaction on their account...... This is…… a... oc Home Loans are not sanctioned by Banks for the following purposes …… m a..... Rs. admin@jaiibcaiibmocktest.. Any of these www...................... 20......... The maximum amount of Interest which he can claim as a deduction would be… t.. 15.000 b..com murugan0501@gmail......JAIIB CAIIB STUDY MATERIALS ..com.

. Strategic risk c......com....... All of these oc m Ans ........ admin@jaiibcaiibmocktest.. kt Service delivery is generally more personalised and caring in which of the following category of banks … a.. 09994452442 Ans .......com Facebook Groups ...... 7 t.... Operational risk Ans .. In a simple registered mortgage the deed of mortgage is to be registered within …… months of its date of execution w a.............................................jaiibcaiibmocktest....com............. this is called …… ca a..... Foreign banks d... 4 Ans ............. 6 w d....CAIIB DISCUSSION murugan0501@gmail....b ... www.. a. 3 c. admin@jaiibcaiibmocktest. Reputation risk iib d...com...d ....... 09994452442 .ja ..... om Minimum amount due (MAD) is calculated at what % of the total current dues of the credit card............c c.............. 8 d..... www.. 1 w b..........a ... Public sector banks b....... 5 b....... 10 es Ans .... Internet banking risk b......a ..d . iib If a bank is not able to respond to a situation in time in internet banking.com.. Private banks c..................com murugan0501@gmail.....jaiibcaiibmocktest....JAIIB CAIIB STUDY MATERIALS ...

com.com murugan0501@gmail.. www. admin@jaiibcaiibmocktest.... Dun & Bradstreet information services d..CAIIB DISCUSSION murugan0501@gmail....com.jaiibcaiibmocktest....... High Mark credit information services Ans .. TransUnion international inc...... CIBIL c. 09994452442 ..ja w w w www.com.com Facebook Groups ...... admin@jaiibcaiibmocktest... om b.JAIIB CAIIB STUDY MATERIALS .... 09994452442 The first Credit Bureau in the world? a........c .c t.. es kt oc m iib ca iib .com.jaiibcaiibmocktest......