BD Practice

Which of the following is one of the major changes which has been observed in customers visiting branches?

• Less illiterate customers wanting to open accounts

• Increase in number of Senior Citizen Customers

• More customers opting to open Joint Accounts

• Increasing number of customers opting to close their loan accounts

Which of the following is not a function of a Bank?

• Maintaining Deposit Accounts

• Giving Loans to customers

• Giving Legal Advice to their customers.

• Collecting Cheques for the Bank's Customers

Highly satisfied Customers __________________

• Tend to be more loyal  

• Are very demanding

• Are very educated

• Give bad publicity

Channel migration means _____________________

• Customers sharing their feedback on Social Media

• Customers visiting the Branch for their transactions

• Customers shifting their transactions to another Bank

• Customers utilising Alternate Delivery Channels

A customer visits you in the Branch and places a request for converting his Preferred Account into a Royale Account. This is an example of ____________

• Up-Selling

• Cross-Selling

• Down-Selling

• Level-Selling

The rising income levels among the young customers could lead to the offering of which of the below mentioned products?

•   Gold Loans

• Credit Cards

• Zero Balance Accounts

• KCC Loans

Environment Scanning or Catchment Mapping can be done _____________________

• By going out into the catchment physically

• Both physically and digitally

• By using digital tools

• By talking to customers in the branch

One of the main USPs of a Personal Loan is

• Waiver of Processing Fees

• No security required

• Higher Loan Amount

• Higher Rate of Interest

Business transactions cannot be routed through _________________

• Savings Account

• Cash Credit Account

• Current Account

• Overdraft Account

The study of human population in context of gender, race and occupation is called ______________

• Economic Environment

• Cultural Environment

• Natural Environment

• Demographic environment