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Unit 3: Application of Retail Banking Concept and Distinction between Retail and Corporate/Wholesale Banking 1. Which of the following is a modular structure using different process models for different products offering end to end solutions product wise? (a) Horizontally organized model (b) Vertically organized model (c) Predominantly horizontally organized model (d) Predominantly vertically organized model Ans. a Sol. Horizontally organized model is a modular structure using different process models for different products offering end to end solutions product wise. 2. Predominantly horizontally organized model is ___________________. (a) a modular structure using different process models for different products offering end to end solutions product wise. (b) functionality across products with customer data base orientation and centralised customer data base is used across products. (c) mostly product oriented with common customer information for some products. (d) common information is available for most of the products. Ans. c Sol. Predominantly horizontally organized model is mostly product oriented with common customer information for some products. 3. Which of the following is the most common Business Approach (Domain Specific) in Retail Banking? (a) Segmented Approach (b) Geography based approach (c) Classification based approach (d) all of the above Ans. d Sol. The most common approaches are as follows: • Segmented Approach • Geography based approach • Classification based approach 4. Which Business Approach (Domain Specific) are designed based on the type of branch viz., Rural. Semi Urban. Urban and Metro? (a) Segmented Approach (b) Geography based approach (c) Classification based approach (d) Branch based approach Ans. c Sol. Classification based approach - where strategies are designed based on the type of branch viz., Rural. Semi Urban. Urban and Metro. This strategy helps in better product structuring for specific types of branches. 5. In which Business Approach (Domain Specific) 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) Segmented Approach (b) Geography based approach (c) Classification based approach (d) Branch based approach Ans. a Sol. Segmented Approach - where 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. 6. Liability products are offered to retail banking customers basically under which space? (a) Savings Accounts (b) Current Accounts (c) Term Deposit Accounts (d) all of the above Ans. d Sol. Liability products are offered to retail banking customers basically under three spaces - Savings Accounts, Current Accounts and Term Deposit Accounts. 7. Which of the following are the backbone of the revenue streams of banks? (a) Liability Products (b) Retail asset financing (c) Depository Service (d) Broking Services Ans. b Sol. Retail asset financing is a major component of retail banking model of banks. In fact, retail loans are the backbone of the revenue streams of banks. In any customer expansion strategy, retail loan is packed as the main attraction uniformly by all banks. 8. In foreign banks, Processing of products and services in retail banking is ________________________. (a) done through in-house resources (b) done as some products processed in house and for some products outsourcing is done. (c) outsourced entirely (d) all of the above Ans. c Sol. In foreign banks, the entire process is outsourced and normally happens through a dedicated back office covering the entire gamut of retail banking services. 9. State the technology model basically adopted by banks in Retail Banking. (i) In House Models (ii) Outsourced Models (iii) Partially In House Models (iv) Partially Outsourced Models (a) Only iii (b) Only i (c) Both i & ii (d) All i, ii, iii & iv Ans. d Sol. The technology models basically adopted by banks are In House Models, Outsourced Models, Partially In House and Partially Outsourced Models. 10. In PSBs and old private banks the entire process for products and services are done through ________________________. (a) in house resources (b) implementation model (c) outsourcing (d) none of the above Ans. a Sol. In PSBs and old private banks the entire process for products and services are done through in house resources but in some banks, process part of some products are outsourced. 11. Which of the following statement(s) is/ are FALSE? (a) Retail Banking targets at the individual segment while corporate banking deals mainly with corporate clients. (b) Retail Banking is a mass market banking model whereas wholesale/corporate banking look at a relatively smaller segment of business/corporate client base as compared to retail segment. (c) Retail Banking is a B2B approach (Business to Business) whereas corporate banking is a B2C approach (Business to Customer). (d) The ticket size of loans in retail banking is low whereas the ticket size is high in corporate loans. Ans. c Sol. Retail Banking is a B2C approach (Business to Customer) whereas corporate banking is a B2B approach (Business to Business). 12. Which of the following statement(s) is/ are FALSE in relation to differences between Retail and Corporate/Wholesale Banking? (a) Risk is widespread in retail banking as customer base is huge whereas in Corporate Banking, the risk is more as the ticket size is big though customer base is relatively small. (b) Returns are more in corporate banking as the spreads are more for different asset classes in retail. But in retail banking, the returns will be low as retailers bargain for lower rates due to higher loan amounts. (c) Monitoring and recovery in retail assets are more laborious because of the larger customer base as compared to corporate banking. (d) 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. Ans. b Sol. Returns are more in retail banking as the spreads are more for different asset classes in retail. But in corporate banking, the returns will be low as corporates bargain for lower rates due to higher loan amounts.

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