JAIIB Exam 2025 – RBWM Important Questions MCQs Quiz-3

08/02/2025

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JAIIB Exam 2025 RBWM Important Questions MCQs Quiz-3

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. __________ is a modular structure using different process models for different products offering end to end solutions product wise.
(a) Predominantly horizontally organized model
(b) Predominantly vertically organized model
(c) Horizontally organized model
(d) Vertically organized model

2. Choose the correct statement.
(a) Predominantly horizontally organized model is common information is available for most of the products.
(b) Predominantly horizontally organized model is mostly product oriented with common customer information for some products.
(c) Predominantly horizontally organized model is functionality across products with customer data base orientation and centralised customer data base is used across products.
(d) Predominantly horizontally organized model is a modular structure using different process models for different products offering end to end solutions product wise.

3. Under _________,branches are classified based on the business potential with regard to retail space and business targeted in these segments of branches only with focused marketing strategies.
a) Classification based approach
b) Segmented Approach
c) Geography based approach
d) None of the above

4. Under ________ ,strategies are designed based on the type of branch viz., Rural, Semi Urban, Urban and Metro.
a) Classification based approach
b) Segmented Approach
c) Geography based approach
d) None of the above

5. Liability products are offered to retail banking customers include ___________.
(a) Term Deposit Accounts
(b) Savings Accounts
(c) Current Accounts
(d) All of the above

6. ___________ are the backbone of the revenue streams of banks.
(a) Retail asset financing
(b) Depository Service
(c) Liability Products
(d) None of these

7. Which statement is false in relation to differences between Retail and Corporate Banking?
(a) Returns are more in corporate banking as the spreads are more for different asset classes. But in retail banking, the returns will be low as retailers bargain for lower rates.s
(b) Monitoring and recovery in retail assets are more laborious because of the larger customer base as compared to corporate banking.
(c) The impact of NPA will be more pronounced in corporate banking than retail banking as the ticket sizes in corporate loans are higher than retail loans.
(d) Retail Banking is a B2C approach (Business to Customer) whereas corporate banking is a B2B approach (Business to Business).

8. Which one of the following ways, the price structuring for products and services is attempted by banks?
i. Standalone pricing for different products and services.
ii. Special quotes for high value deposits.
iii. Bundled pricing/Holistic pricing based on total relationship.
a) (i) only
(b) (i) & (ii) only
(c) (ii) & (iii) only
(d) (i), (ii) & (iii)

9. Choose the correct statement.
a) In foreign banks, Processing of products and services in retail banking is done as some products processed in house and for some products outsourcing is done.
(b) In foreign banks, Processing of products and services in retail banking is outsourced entirely.
(c) In foreign banks, Processing of products and services in retail banking is done through in-house resources.
(d) None of the above

10. Which one of the following is not included under Retail Banking?
a) Online Banking
b) Medium Business
c) High Net Worth Individuals
d) Corporate Entities