JAIIB Exam 2025 – RBWM Important Questions MCQs Quiz-1

29/01/2025

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JAIIB Exam 2025 RBWM Important Questions MCQs Quiz-1

JAIIB Exam Quiz 2025: The JAIIB exam is scheduled for 2025 by IIBF. Here, we are providing JAIIB RBWM MCQ-based quizzes on a regular basis. You can attempt the quizzes regularly to prepare for the upcoming JAIIB exam. The quizzes will be provided module-wise and unit-wise. You can attempt the JAIIB PPB quizzes from the links below and improve your preparation by practicing regularly. These quizzes will help you boost your score in the JAIIB exam and guide you to clear the exam on your first attempt.

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 part of retail banking?
(a) Internet banking
(b) Mobile Banking
(c) Providing term loans for projects
(d) Credit card facility

3. Which one of the following is not an advantage of retail banking?
a) High customer loyalty
b) Less volatility in business
c) High default rates
d) High Cross Selling potential

4. ____________ are the factors that can subscribe to the success of retail banking in India?
(a) Product appropriateness
(b) Pricing
(c) Presence of an efficient delivery mechanism
(d) All of the above

5. _________ is a Constraint in Retail Banking?
(a) Higher delinquencies in credit card receivables.
(b) Less volatility in demand and credit cycle than from large corporates.
(c) Large client base and risk diversified
(d) Strong customer loyalty

6. Which of the following statement(s) is/ are TRUE in relation to the Characteristics of Retail Banking?
(a) Extended to small and medium size businesses.
(b) The delivery model of retail banking is both physical and virtual
(c) Banking facilities targeted at individual customers.
(d) All of the above

7. _______ facilitates fintech companies and other third-party organisations like NBFCs to integrate with a bank’s system employing APIs.
(a) BaaC
b) BaaS
c) BaaB
d) BaaD

8. What are the benefits of blockchain?
a) Blockchain records and validates every transaction.
b) Blockchain does not require third-party authorization.
c) Blockchain is decentralized.
d) All of the above

9. For the retail banking model to be successful, banks’ pricing should be _________.
a) non-discriminatory, risk-based, competitive
b) discriminatory, risk-based, non- competitive
c) non-discriminatory, risk-based, non-competitive
d) discriminatory, risk-based, competitive

10. Which of the services are offered by retail banks?
a) mortgage services
b) debit and credit card services
c) ATM services
d) All of the above