JAIIB Mock Test — Retail Banking, Wholesale & International Banking (PPB)

JAIIB Topic wise Mock Test – Retail Banking, Wholesale And International Banking (PPB)

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Retail Banking, Wholesale And International Banking Mock Test/ Quiz

1 / 15

The loan values (amount of loan) under retail lending normally range between:

1) ₹ 20,000 to ₹ 100 lakh

2) ₹ 100 lakh to ₹ 10 crore

3) More than ₹ 10 crore

4) None of the above

2 / 15

A Depository Receipt (DR) is a type of:

1) negotiable (transferable) financial instrument that is traded on a stock exchange of a foreign country but represents a security, usually in the form of equity that is issued by a foreign publicly listed company.

2) negotiable (transferable) financial instrument that is traded on a local stock exchange of a country but represents a security, usually in the form of equity that is issued by a local publicly listed company.

3) Receipt given by a depository participant of a depository.

4) negotiable (transferable) financial instrument that is traded on a local stock exchange of a country but represents a security, usually in the form of equity that is issued by a foreign publicly listed company.

3 / 15

On recommendation from Lahiri Committee, in 2004, SEBI passed a regulation that derivative, instruments like Participatory Notes against underlying Indian securities can be issued.

1) Only to FIIs registered with SEBI

2) Only to regulated entities and further transfers, if any, can also be to other regulated entities only.

3) Only to foreign banks

4) None of the above

4 / 15

What is retail banking?

1) Banking targeted at corporates

2) Banking focused towards weaker class segment

3) Banking deals with individuals

4) Banking deals in wholesalers

5 / 15

Which one of the following is not part of retail banking?

1) Internet banking

2) Mobile banking

3) Providing term loans for projects

4) Credit card facilities

6 / 15

Participatory notes are like contract notes issued by:

1) Commercial banks to their investors.

2) Government of India to banks.

3) Foreign Institutional Investors (FIIs) to entities that want to invest in the Indian stock market but do not want to register themselves with the SEBI.

4) None of the above

7 / 15

Advantages of retail banking include _______________ .

1) Risk is less as client base is large

2) Income is relatively more as spread is more

3) Stable model with less volatility

4) All of the above

8 / 15

Under which category, the sale of insurance products falls ?

1) Retail liability

2) Retail assets

3) Other retail products

4) None of the above

9 / 15

Wholesale banking refers to doing banking business with:

1) individuals

2) industrial and business entities – including government and public sector companies

3) only companies registered under the Companies Act

4) large borrowers irrespective of their category

10 / 15

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

1) Liability products

2) sset products

3) Third party products

4) None of the above

11 / 15

What is/are characteristics of retail banking?

1) Targeted at individual customers and mass market segment

2) Offer various liability, assets and service products to the individual customers

3) Delivery model of ATM, Branches and internet banking

4) All of the above

12 / 15

Overseas Depository Bank’ means:

1) a bank authorized by the government to issue Global Depository receipts against issue of Foreign Currency Convertible Bonds or ordinary shares of the issuing company

2) a bank authorized by the issuing company to issue Global Depository Receipts against receipt of foreign currency

3) a bank authorized by the issuing company to issue Global Depository receipts against issue of Foreign Currency Convertible Bonds or ordinary shares of the issuing company

4) a bank where deposits in foreign currencies can be made.

13 / 15

The Retail loans given by commercial banks are generally for a duration of:

1) five to seven years with housing loans granted for a longer duration of 15–20 years

2) less than 5 years only

3) less than 1 year only

4) None of the above

14 / 15

Which one of the following is not included under retail banking?

1) Online banking

2) Medium business

3) HNI

4) Corporate entities

15 / 15

The experience of banks in India in recent years under retail lending has shown that the following loans had the least level of impairment (defaults).

1) home loans portfolio

2) consumer loans portfolio

3) vehicle loans portfolio

4) none of the above