United Commercial Bank Limited

Test Questionnaire (Retail Banking Division)

Put tick mark (√ ) beside the correct answer TIME: 30

1 Retail Banking deals with? 7 What is LTV?

A) Corporate Bodies A) Long Term Value

B) Small Enterprises B) Loan To Value

C) Individuals C) Life Time Value

D) All of The Above D) All of The Above

2 Which is not a retail deposit product? 8 EMI Stands for?

A) Monthly Times Return A) Equal Monthly Interest

B) Cash Secured Loan B) Equally Monthly Interest

C) NRB Savings C) Equated Monthly Interest

D) Young Star Savings D) All of the Above

If a person does not have any TIN then what will be the tax
3 CPV Stands For? 9
deduction rate from his FD Interest Amount?

A) Cash Purchase Value A) 10%

B) Customer Profile Valuation B) 15%

C) Core Profit Volume C) 20%

D) Contact Point Verification D) 25%

4 What are the Basic Types of Retail Loan? 10 What is the Maximum LTV Ratio of Auto Loan?

A) Secured Loan A) 50:50

B) Unsecured Loan B) 60:40

C) All of The Above C) 70:30

D) None of The Above D) 40:60

5 KYC Stands for? 11 What is the Maximum LTV Ratio of Home Loan?

A) Keep You Cool A) 50:50

B) Know Your Customer B) 60:40

C) Know Your Contact C) 70:30

D) None of the above D) 40:60

6 Which of the following are Low & No Cost Deposits? 12 Presently we can lend a customer against Auto Loan Highest?

A) CASA Deposit A) 55 Lac

B) Scheme Deposit B) 50 Lac

C) Fixed Deposit C) 45 Lac

D) All of The Above D) 40 Lac

13 CIF Stands for? 20 Which is not a transaction Account?

A) Come in First A) Monthly Times Return

B) Customer Identification File B) NRB Savings

C) Calling In For C) Women's Savings

D) Customer Interview Form D) Yongstar Savings

14 DBR Stands For? 21 Which is not a Retail Loan?

A) Debt Burden Ratio A) Home Loan

B) Direct Branch Relationship B) Auto Loan

C) Due Balance Report C) Doctor's Loan

D) None of the above D) Women Entrepreneur Loan

In case of any installment(s) or part of installment(s) of a Fixed

Term Loan amounting more than Tk. 10.00 Lacs is not repaid
15 What is the Core Objective of Retail Sales Officer? 22
within the within 06 (six) months, the amount of unpaid
installment(s) will be termed

A) Increase Customer Base & keep in touch with them. A) SMA

B) Brand establishment in Locality B) SS

C) Increase Profitability C) DF

D) All of The Above D) BL

16 Presently we can lend a customer against Home Loan Highest? 23 Categories of Loans and Advances for the purpose of classification

A) 150 Lac A) 2

B) 120 Lac B) 4

C) 100 Lac C) 6

D) 75 Lac D) 8

Demand loan or a Term Loan which will remain overdue for period
17 CIB Stands for? 24
of 02 (two) months or more, will be put into

A) Credit informing Bank A) SMA

B) Credit information Bank B) SS

C) Credit Information Brue C) DF

D) None of the Above D) BL

In case of any installment(s) or part of installment(s) of a Fixed

An Interest rate from which a Bank can offer 1.5 % Higher/Lower to it's Term Loan amounting Tk. 10.00 Lacs is not repaid within the
18 25
Customer is called? within 9 (Nine) months, the amount of unpaid installment(s) will
be termed

A) Prescribed rate A) SMA

B) Mid Rate B) SS

C) Interest rate C) DF

D) Profit rate D) BL

19 What is stands for ATM?

A) Automatic Teller Machine

B) Auto Teller Machine

C) Automated Teller Machine

D) All of the above