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CAIIB-RETAIL BANKING-RECOLLECTED QUESTIONS FROM DEC 2015


Recollected - Dec 2015
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Question on hni, super hni, ultra hni category..

Wether the cibil report can be given to customer after levying some charge or not..

Whether moratorium is given for second hand car...

Moslow theory : Case study on needs

RTGS : when processing

Education loan : case study about margin

On college fee hostel fee computer fee other expenses..

WDV : Case Study on Depreciation l

Credit Card : Case study on interest , risk , overdue amount....

Valuation of urban land ,agriculture land Method criteria etc.....

NEFT : 12 batches

Super affluent : 50-400 Lakhs

Case study on wdv method

Three questions on rent capitalization method

Case study on maslow hierarchy

Case study on tangibles..assurance..responsivess wale 5 factors

Emi calculation 2 questions

Theory was easy

Sbu 1 question

Horizontally organized model

credit card bill (case study 5 qus.)

Three questions on rent capitalization method

Neft batches - 12 batches

depreciation numerical...

case study on gift card...

Fullform of USP - Unique Selling Proposition

case study on education loan for abroad...

Para Banking does not include

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Realibily, assurance, enabling, Modeling, responsive se 7 questions the bus options aage piche the. Some of them are as follows:

1. A customers enters in Branch and a branch executive welcome him very heartly it is a type of ......
2. A cutomer want to close his Fd Branch manager assures him that the amount will be credited in his account with in 2 day it is example of ......
3. A customer complains his wrong charges on his bank account. it is type of ......
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According to Theodre Levitt Products are defined as "Anything that has the capacity to provide the satisfaction, use and return desired by the customer"

ABS / MBS difference..

The primary difference between these two security types is the collateral upon which the securitized asset is based.Instead of mortgages, ABS represent an interest in a wide range of pooled assets, such as credit card receivables, aircraft leases, home equity loans, automobile loans and leases, equipment leases, etc.
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Benefit of CRM : ?

An effective CRM implementation in retail banking will benefit the banks in more than way. The following are some of the important benefits that accrue to banks and enhance the customer focus of the banks:

(i) Improves the customer satisfaction and cross selling potential for the banks.
(ii) Helps the banks to derive increased share of wallet from the customer.
(iii) Enhances the operational efficiencies of the banks.
(iv) Helps to take on competition as CRM results in more customer focus and retention.
(v) Helps to understand Customer Lifetime Value through the structured data base on a dynamic basis.
(vi) Improves customer service through effective integration of all remote delivery channels.
(vii) Helps to manage multi delivery channels in a better way to adopt and maintain uniform service standards across channels.
(viii) Enables to achieve seamless information flow across functions in delivery.
(ix) Results in better relationship marketing as customer segments are better target based on the data available in CRM.
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Role of Marketing Manager?

• Understanding the customer, his income level, his financial profile, his needs, his requirements of financial products and his life stage.
• Cross selling the right products to match their requirements.
• Post sales service follow up for customer satisfaction.
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Credit card Weightage on amount owned ?

ATM : Case study on transaction limit at other bank ATM ,Current a/c holder etc

1. New car and used car loan given all related and asked. EMI, Eligible loan amount etc 5 marks
2. education loan case study 5marks
2. depreciation se 5 marks both st line and wdv metho

There was a case given...that a customer went to bank..then 5 situation based questions were there...ki bank's response was..in which service quality...tangibility..assurance responsiveness...

If any loan closed then how many days it takes to reflect in cibil

As per the Credit Information Companies (Regulation) Act of 2005, CIBIL cannot modify any information in the database without confirmation from the relevant Credit Institution. Credit Institutions submit data every 30-45 days to CIBIL and if you happen to purchase your CIR within 45 days of closure/ pay-off of your accounts it may not be updated in CIBIL records.

80c claim upto - 150000
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