RETAIL BANKING : QUIZ - 1

1. Advantages of retail banking include________

• a) Risk is less as client base is large
• b) Income is relatively more as spread is more
• c) Stable model with less volatility
• d) All the above

2. Which one of the following is not an advantage of retail banking?

• a) High cross selling potential
• b) High customer loyalty
• c) Less volatility in business
• d) High default rates

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

• a) Internet banking
• b) Mobile banking
• c) Providing term loans for projects
• d) Credit card facility

4. After outbreak of Covid-19, the future of retail banking will depend mainly on_____

• a) Branch banking
• b) Brick and mortar banking
• c) Digital banking
• d) None of the above

5. The proportion of housing loan in retail loan segment is more than_____

• a) 50%
• b) 60%
• c) 75%
• d) 45%

6. The business model followed by banks for retail banking are_____

• a) Strategic business unit(SBU) Approach
• b) Departmental approach
• c) Integrated approach
• d) Any one of the above

7. Foreign banks cited in the topic, which entered in retail banking activities, when not able to achieve the business objectives:

• a) Continued with their business in spite of not being profitable.
• b) Moved out of the business
• c) Changed their focus with some strategic changes.
• d) None of the above.

8. The suitability of the business model or approach of a bank depends upon_____

• a) Corporate strategy only.
• b) Business objectives only
• c) Business mix only.
• d) All of the above.

9. Business models of retail banking are being drawn based on various aspects. In this context which one of the following aspects is incorrect?

• a) Product
• b) Capacity
• c) Delivery channels
• d) Technology

10. Citibank has quit retail business in India as a part of their global strategy which has been acquired by _________.

• a) HDFC Bank
• b) ICICI Bank
• c) AXIS Bank
• d) Kotak Bank