JAIIB Marathon May 2025 RBWM Quiz-3

15/05/2025

Table of Contents

JAIIB Marathon May 2025 RBWM Quiz-3

JAIIB CAIIB Course Quiz – May 2025: The JAIIB exam for May 2025, conducted by IIBF, is fast approaching. To support your preparation, we are providing regular MCQ-based quizzes specifically designed for the JAIIB CAIIB syllabus. These quizzes are structured module-wise and unit-wise to help you cover the entire syllabus systematically. Practicing these quizzes consistently will strengthen your concepts, improve accuracy, and increase your chances of clearing the exam on your first attempt.

1. Product architecture components include _________
(i) The Generic Product – the core product.
(ii) The Expected Product – adding additional features
(iii) The Augmented Product – adding value in addition to features
(iv) The Potential Product – futuristic features in anticipation.
(a) (i) & (iv) only
(b) (ii) & (iii) only
(c) (i), (ii) & (iii) only
(d) (i), (ii) (iii) & (iv) only

2. Which formula correctly represents Return on Equity (ROE)?
(a) Return on assets / Leverage ratio
(b) Return on assets – Leverage ratio
(c) Return on assets + Leverage ratio
(d) Return on assets x Leverage ratio

3. Fixed Deposits refer to which need as per Abraham Maslow’s need theory?
(a) Physiological needs
(b) Safety needs
(c) Social needs
(d) Self-esteem needs

4. The nominal value of sovereign gold bonds is calculated by—
(a) the simple average of the closing price of gold for the last three days before the issuance of bond
(b) the simple average of the closing price of gold for the last thirty days before the issuance of bond
(c) the simple average of the closing price of gold for the last forty-five days before the issuance of bond
(d) the simple average of the closing price of gold for the last ninety days before the issuance of bond

5. Which statement is true in retail banking?
(i) the cost of retail deposits is relatively higher, especially for term deposits, as compared to corporate banking
(ii) monitoring and recovery are more laborious than in corporate banking
(a) Only (i)
(b) Only (ii)
(c) Both (i) & (ii)
(d) None of these

6. How many subsystem MKIS have?
(a) 3
(b) 4
(c) 5
(d) 6

7. Customers’ expectations of service quality mainly depend on the following:
(i) Tangibility in services
(ii) Reliability
(iii) Responsiveness
(iv) Assurance
(a) (i) & (iii) only
(b) (ii) & (iv) only
(c) (i), (ii) & (iii) only
(d) (i), (ii), (iii) & (iv)

8. The wealth of a person will be distributed among the legal heirs as per the law of the ____________ upon his/her death.
(a) Progression Act
(b) Succession Act
(c) String Act
(d) None of these

9. Which one of the following products is not a retail asset product?
(a) Auto Loans
(b) Term deposits
(c) Personal Loans
(d) Home Loans

10. Choose the correct option.
(a) An “opti-channel” experience is a customer experience that is optimized for social media channels.
(b) An “opti-channel” experience is a customer experience that is optimized for physical channels only.
(c) An “opti-channel” experience is a customer experience that is optimized for both physical and digital channels.
(d) An “opti-channel” experience is a customer experience that is optimized for digital channels only

11. Which one of the following parameters the Credit Information Companies normally give higher weightage?
(a) New credit
(b) Length of credit history
(c) Amounts owed
(d) Payment history

12. The MKIS model of McLeod and Rogers consists of ___________ general subsystems
(a) 1
(b) 2
(c) 3
(d) 4

13. PPI issuers shall enable the facility of cross-border outward transactions only on explicit request of the PPI holders and shall apply a per transaction limit not exceeding _____, while per month limit shall not exceed ______ for such cross-border transactions.
(a) ₹5,000/-, ₹10,000/-
(b) ₹10,000/-, ₹50,000/-
(c) ₹25,000/-, ₹1,00,000/-
(d) ₹20,000/-, ₹50,000/-

14. A UTR (Unique Transaction Reference) number for NEFT transactions is typically _____digits long, while for RTGS transactions it is ______ characters long.
(a) 14, 25
(b) 16, 22
(c) 15, 30
(d) 10, 15

15. Personal Loans are sanctioned by banks based on _________
(i) Salary in case of employees
(ii) Monthly/Annual Income in case of business persons
(iii) Number of years of service/in business
(a) (i) only
(b) (ii) & (iii) only
(c) (i) & (iii) only
(d) (i), (ii) & (iii) above

For complete set of Question, Download PDF or watch video

PDF-RBWM MARATHON 2025 -1

For Detailed solution with an explanation watch the below video