Exit Test - Operational Excellence for Second line officers (OPESO)

1. Cross Selling means:

• Selling new products to New Customers
• Selling most expensive product
• Selling other products to existing customers
• Reversal of sale

2. Persuading a customer to buy a more expensive item or upgrading a product or service to make the sale more profitable, is called :

• Cross Selling
• Horizontal Selling
• Linear Selling
• Upselling

3. If a locker holder looses the Key what should be action taken by Branches?

• New locker to be allocated to customer.
• Locker to be Break Open with charges from customer
• If the Locker holder has duplicate keys he can use the same.
• New key to be collected by customers from Bank free of cost.

4. In Baroda Gurukul which of the following platform is used for query resolution by Branches

• Digital Library
• Quiz platform
• Margdarshak
• Blogs

5. Bank has sanctioned loan for a purpose but the party has taken out the amount out of business which resulted in deterioration of business. This is called as:

• willful default
• siphoning off
• write off
• None of the above

6. A possession notice has been issued under ___________ and no response from the borrower even after 60 days – Bank can proceed for possession of security / take possession of management / sell the security.

• Banking Regulation Act
• SARFAESI ACT
• The Reserve Bank Act
• The Income Tax Act

7. Provision on Doubtful Assets more than 3 years old:

• No Provision
• 15% of the Book liability
• 75% of the Book Liability
• 100% of the Book Liability

8. Whose permission is taken for taking physical possession under SARFAESI Act.

• District Magistrate
• Inspector of Police
• Branch Manger
• Recovery Agents

9. Branches are facing difficulties in renewal of agreements from the existing locker holders held in joint names as some of the joint holders are residing in foreign countries / other cities. Which Solution is incorrect?

• Base branch can send Agreement to other Branches for execution near to joint holder
• All holders must come to Base Branch for agreement
• POA can be used
• Agreement can be executed by Notary Public outside India

10. As per new guidelines of RBI we have to obtain Locker agreement from customer. Which of the following is correct?

• New Locker Agreement for new customer
• Supplementary Locker Agreement if agreement done within one year
• Supplementary Agreement should be kept along with the old agreement
• All are correct