L0835

How many modules are there in CRM MCS?

C. 5

In CRM, when a Demat lead is sent for fulfilment to SSL system what will be the status of the Lead?
A. Demat Lead In Process

How many preferred channels of communications are there in CRM MCS?

B. 2

Life Insurance leads are fulfilled by which of the following teams?

D. SBI Life

Demat leads are fulfilled by which of the following teams?

D. SBI SSL

Credit Card leads are fulfilled by which of the following teams?

D. SBI Credit Cards

What does ACE stand for?

B. AMFI Certified Employee

What dose ETB Stand For?

B. Existing to Bank

What does SP stand for?

A. Specified Person

What does MCS stand for?

A. Marketing and Cross-Sell

Which of the following General Insurance products is processed by Branch User?

A. Personal Accident Insurance (PAI)
B. Health Insurance
C. Both A and B
D. None of the Above

In CRM to which Role is General Manager mapped to?

A. Network Head

In CRM to which Role is Chief General Manager mapped to?

A. Circle Head

In CRM to which Role is Deputy General Manager mapped to?

A. Module Head

In CRM to which Role is Regional Manager mapped to?

A. Region Head

What dose CRM Stand for?

A. Customer Relationship Management

During creation of lead, if a customer has no/partial documents, then the lead is saved in which of the following status?
A. New lead

Which Status code is visible only after a de-dupe is fired and a duplicate lead is created?
B. Sent for Approval

In CRM Post approval, the status code of a duplicate lead will be

A. Approved

Is Mother’s maiden name a mandatory field?

SKA
A. Yes

In Mutual Fund, is KYC compliant a mandatory field.

A. Yes

Can the user change the Preferred Branch?

A. True

During lead creation, a de-dupe rule will run before the lead is saved, to check if any open lead already exists in the system
A. True

L0419
Bank does not have a policy on:
A. Risk data maintenance
B. CRA model validation
C. Stress Test
D. Collateral Management
E. None of the above

Under the Foundation IRB Approach PD estimates are based on

Ans: Bank’s Internal Estimates

Logically speaking which of the following would have lower DR:

Ans: SB 1

Accounts guaranteed by State Govt attract a risk weight of --

Ans: 20%

Operating Efficiency of a unit is part of:

Ans: Business risk

Which of the following is likely to be correct:

Ans: EAD >LGD

The chances of A borrower defaulting on the payment of his credit obligations within a given time horizon, usually one year is
called
Ans: PD

Under Basel – II a Corporate is defined as

Ans: A borrower with exposure above Rs. 5 Crores

What will be the impact on capital cost if ECRA of a unit is upgraded from AA to AAA, (other things remaining the same)
Ans: Reduction by 33%

What is the CRA Model used for Infrastructure Projects

Ans: RAMIP

Which one is incorrect

A. More CRMts are recognized under Standardized approach than under Advanced IRB
Approach
B. Better risk management can reduce risk capital requirement under Foundation IRB
C. Advanced IRB is completely based on Internal estimates of PD/LGD/EAD

What is the CCF % for Committed Credit Lines with an original maturity up to 1 year
Ans: 20%

A wide range of rating from SB1 to SB16 helps in :

A. Diffusing Risk Concentration
B. Ensuring finger risk calibration

SKA
C. Facilitating finer pricing
D. All of the above

Absence of which of the following in CBS will lead to higher capital cost
A. CGTMSE Flag
B. UCC Flag
C. TL Drawdown Schedule
D. All of the above

Credit Risk Models help bank in

A. Building PD Estimates
B. Risk Based Pricing
C. Allocating Reserves/ Capital
D. All of the above

A Borrower enjoys CC limit of 100 with outstanding 50, Compute EAD if there is UCC.
Ans: 50

Which of the following carries highest CCF

Ans: BG Financial

Which of the following is not a function of the CRMD

A. Developing CRA Models
B. Analysing Industry/ Sector Risk
C. Defining the risk appetite of the bank

Stipulations regarding Haircut Requirements are covered by which policy?

Ans: Collateral Management Policy

Value of available collateral security would impact which of the following parameters most:
Ans: LGD

Accounts guaranteed by Central Govt attract a risk weight of --

Ans: 0%

All of the following are Eligible IRB Collateral except :

(a) Claims with original maturity of 1 year or less
(b) Trade Receivables
(c) Debentures
(d) State Govt Securities

Which of the following is not EAD

A. Amount exposed to default
B. Outstanding at the time of Default
C. Outstanding of an Irregular CC Account ( >Limit)
D. Outstanding of a partially disbursed Term Loan

What would be the RMD advisory for an Industry Outlook of “Marginally Favourable”
Ans: Grow Selectively

Maximum exposures are set by Loan Policy to avoid

Ans: Concentration Risk

Longer the tenure of a security, lower the haircut.

Ans: False

Non furnishing of Collateral information will lead to higher PD%

Ans: False

Non furnishing of Collateral information will lead the higher LDG% estimates.

SKA
Ans: True

CGTMSE cover is an example of “on balance sheet netting” mitigation techniques

Ans: False

A third Party Guarantee serves to automatically reduce the risk capital requirement for the bank for the guaranteed asset.
Ans: False

For all exposures with Unconditional Cancellability Clause, CCF is zero

Ans: True

Credit Risk Management Policy covers only Bank`s domestic Operations

Ans: False

Effective Credit Risk Management ensures that there are no defaults

Ans: False

ECRA of a borrower does not affect the Risk Weight of a unit.

Ans: False

Risk of non-payment by the borrower is measured by LGD.

Ans: False

Loan Policy covers Bank`s domestic Operations

Ans: True

Different exposures to a pool borrowers may share the same PD

Ans: True

Different exposures to a borrower may have different LGDs

Ans: True

Under Basel II - a Corporate is defined as a legally constituted limited liability entity:

Ans: False

L0818
IF the EWS Score of an Account is below 37.5, then in which colour will the account be colour coded?
A. Green

IF the EWS Score of an Account is above 42.5, then in which colour will the account be colour coded?
A. Red

IF the EWS Score of an Account Above 37.5 and Below 42.5, then in which colour will the account be colour coded?
A. Amber

What dose RaRoc Stand for?

A. Risk Adjusted Return on Capital

What dose CLTV Stand for?

A. Customer Life Time Value

What Dose EWS Stand For?

D. Early Warning Score

Whenever a lead is at status codes Not Interested, AMT Rejection or Lead Lost, it is mandatory for RMs to put in a remark for
the lead.
B. Yes

After the documentation stage, what will be the Status code of Lead?
C. Docs Collected

SKA
If source of Leads is Corporate Buzz, the leads go to committee for approval and assignment, at this stage what is the status
code of the Lead?
C. Assigned by Committee

Once, the committee assigns the leads to respective Corporate Centres the GMs assigns to various AMTs for action on the
lead, the status code of Lead is
B. Assigned by GM

In CRM, for CAG Customer which of the following Field is Editable Under About Company section?
A. Key Strength and Weakness

In CRM, for a CAG Customer which of the following Field is not Editable Under Key Information section?
D. CIF Number

L0860
On case closure the notification is sent to?
A. Customer
B. Resolver
C. Branch Manager
D. None of the above

Internal communication is sent during which stage?

C. Case Creation

Control return dates can be updated at which Stage?

C. Case Closed

If the customer is found in CRM, which page do you navigate to create a case?
C. Customer 360

What does TAT stand for

A. Turn Around Time

Case can be rejected in which of the following status?

A. In Progress
B. Docs Collected & Verified
C. Claim Sanctioned
D. Any of the above

In which tab, do you have an option of attaching documents?

C. Attachments

How many days is the TAT set for processing of the case, after document collection and verification?
D. 15

Which page is the user navigated to, on saving the SR?

C. SR Detailed View

Reassignment option will be available for which stages?

A. New Case
B. In Progress
C. Docs Collected and Verified
D. All of the above

Who will receive notification, if a case is created through online portal?

A. Controller
B. Branch Manager
C. A & B

What does QDE stand for?

C. Quick Data Entry

SKA
Claim Rejected status is part of which Milestone?
C. Closure

What does CPC stand for?

A. Centralized Processing Cell

Branch Manager can reassign the case to the concerned person in the Branch if required
A. True

In case rejection ‘rejection reasons’ mandatory field.

A. True

A case once closed will not be reopened

A. True

Case owner will always be kept as customer’s home branch manager regardless of where the processing happens
B. True

L0817
CRM Stands For
Ans: Customer Relationship Management

In Q/R/C/F what dose 'Q' stand For.?

Ans: Query

If a customer walks in with all Required valid documents, the lead has to be created in which status?
Ans: Docs Collected

In CRM Branch Manager can reassign already assigned Leads.

Ans: Yes

In CRM, which of the following are mandatory fields at Appointment fixed status?
Ans: Both Appointment Date and Appointment Time

How is Customer intimated or updated in CRM?

A. Email
B. SMS
C. Both (A) and (B)

Which of these is/are a part of CRM Lead for PB & REH?

A. Deposits
B. Other P-Segment Loans
C. Home Loans
D. All of the Above

In CRM, for Assets Products which of the following roles is available?

A. Branch Manager (BM)
B. Relationship Manager (RM)
C. Field Officer (FO)
D. All of the above

In CRM, for Liabilities Products which of the following roles is available?

A. Branch Manager (BM)
B. Relationship Manager (RM)
C. Customer Relationship Officer (CRO)
D. All of the above

Reminders and Escalations are automated in CRM.

Ans: Yes

SKA
In CRM which of the duplicate leads are assigned to Branch Manager (BM) for his/her approval.
Ans: Assets

In CRM, a user can create a lead only for his home branch?
Ans: False

In CRM, what is known as Assets?

Ans: Loans

In which of the following milestone can the Branch Manager approve a lead?
Ans: Approval

Which of the below is a Lead source?

A. Branch Walk-in
B. Referral
C. Both (A) & (B)

In CRM, which of the following products are included under Liability layout?
A. Savings Accounts
B. Current Accounts
C. Time Deposits
D. All of the above

CRM Application will be used by

A. Bank Staff
B. Customers
C. Call Centre Executives
D. Both (A) and (C)

In CRM, what is known as Liabilities?

Ans: All Deposits

Which of the following is not a Lead Rating?

Ans: Dead

If a customer is interested and walks in the branch with partial or no documents, the lead is created in which status?
Ans: Appointment Fixed

What is preferred branch?

A. Branch where Lead is created
B. Branch of Choice of Customer
C. Only (B)

L0439
FIU-IND stands for _______
Ans Financial Intelligence Unit – India

KYC stands for _______

Ans Know Your Customer

AML stands for _______

Ans Anti Money Laundering

SAR stands for __________.

Ans Suspicious Activity Reporting

FATF stands for _______

Ans Financial Action Task Force

SKA
CFT stands for ______
Ans Combating the Financing of Terrorism

List of banned organisations is circulated by ________

Ans RBI

Branches should not open accounts of _________ organisations

Ans terrorist/banned

The word ______________refers to the use of the financial system to hide the source of funds gained from illegal activity
or other criminal activity and trying to make their ill gotten gains appear genuine.
Ans Money Laundering

_________ is an awareness programme for the Staff

Ans Employee Training

Some duties and responsibilities at branches/controlling office/LHO

(A) Exercise due diligence in identifying suspicious transactions
(B) To interview the potential customer To verify the introductory reference/KYC/customer details/profile
(C) Interaction with MLROs in Business Groups/SBUs for ensuring full compliance with the Policy
(D) All of the above

Branch Manager should report to their respective MLRO through the controlling office for submission to the
____________who will finalise the
decision regarding filing of STR to FIU-IND
Ans Principal Officer (AML/CFT)

Banks should maintain records of prescribed transactions for a period of ________ from the date of transactions
Ans five years

Banks should preserve KYC details for at least _________ from the date of cessation of relationship between the bank
and the client
Ans five years

Each Business Group/Circle/SBU will designate an official as _______

Ans Money Laundering Reporting Officer (MLRO)

____________is the term used by banks and other financial institutions to describe the variety of measures they have to
combat the illegal
activity, Money Laundering, and to prevent criminals from using Individual Banks and the financial system in general as the
conduit for their
Proceeds of Crime
Ans Anti Money Laundering

Some duties of the Principal Officer (AML/CFT):

A. Overall monitoring of the implementation of the Bank‘s AML/CFT policy
B. Monitoring and reporting of transactions, and sharing of information, as required under the law
C. Ensuring submission of periodical reports to the Top Management/Board
D. All of the above

The MOD/BM to certify in the _________ that compliance of KYC/AML/CFT guidelines has been done as required
Ans BMMC

For correspondent banking relationship an appropriate due diligence procedure will be laid down keeping in view ______
existing in the country where the correspondent bank is located
Ans KYC standards

Individual cash withdrawals and deposits for ____________ or the threshold prescribed by the Regulators for cash
transactions are to be closely monitored and reported as per the host country regulatory requirements
Ans US$ 10,000/- and above

Government of India has issued its order dated _______ under Unlawful Activities (Prevention) Act, 1967

SKA
Ans August 27, 2009

The ___________ should invariably check all account opening requests and must stamp the account with result of such
cross check
Ans Core Banking Solution

Banks/Financial Institutions should ensure to update the consolidated list of individuals and entities as circulated
by___________.
Ans Reserve Bank of India

To meet the commitment on stringent controls on__________, Banks are required to undertake steps and initiatives in a
manner consistent with the rule of laws.
Ans AML and CFT

Banks are required to maintain the information in respect of transactions referred to in ___________ of PMLA, 2002
Ans Rule 3

Some of the characteristics to suspect involvement of money laundering activity

(a) Involvement of funds in illegal activity
(b) Attempts to avoid reporting or record keeping requirements
(c) Designed to evade anti money laundering guidelines
(d) All of the above

The Principal Officer designated by the Bank in this regard will have overall responsibility for maintaining oversight and
coordinating with various functionaries in the implementation of __________ policy
Ans AML/CFT

In terms of___________, Suspicious transactions should include inter alia transactions which give rise to a reasonable
ground of suspicion that these may involve financing of the activities relating to terrorism
Ans PMLA Rules

All Orders under _________ of Unlawful Activities (Prevention) Act, relating to funds, financial assets or economic
resources or related services, would be communicated to all banks through RBI
Ans section 51A

_____ should submit the particulars of such incidents reported in the prescribed format (STR)
Ans LHO

__________ will provide the banks with designated lists containing names of individuals and entities that are not permitted to
have banking relationship in India.
Ans RBI

The UN Security Council has adopted Resolutions ______ (2011) and ______(2011).
Ans 1988; 1989

The primary responsibility of ensuring implementation of AML/CFT Policy and related guidelines will be vested with the
respective ____________
B. Business Groups/Circles/SBUs

The Principal Officer (GM, AML-CFT) designated by the Bank in this regard will have overall responsibility for maintaining
oversight and coordinating with various functionaries in the implementation of __________ policy.
B. AML/CFT

Suspicious Transaction Reports (STRs) are to be filed By Bank with FIU-IND covering all transactions in the accounts carried
through or attempted, through________________.
B. AML-CFT Department only

All transactions passing through the domestic branches are processed by AML / CFT Cell using ___________ software to
generate alerts on prima facie Suspicious transactions based on thresholds fixed by the Bank for such filtration.
B. AMLOCK Software

Who is designated as ‘Principal Officer’ in our Bank for the purpose of PML Act?

SKA
B. GM AML-CFT

___________________ involves the solicitation, collection or provision of funds both from legal and illicit sources, with the
intention of supporting terrorist acts or organizations that support terrorism.
B. Money Laundering

What is Trade Based Money Laundering (TBML) ?

A. TBML is the process of disguising the proceeds of crime and moving value using trade transactions to legitimize their illicit
origins.

Bank has decided to observe ____________ every year as KYC Compliance and Fraud Prevention Day so that
KYC/AML/CFT compliance related issues are kept in focus on an ongoing basis.
A. 1st August

Each Business Group/Circle/SBU has to designate an official as _________________ who would ensure proper
implementation and reporting to Principal Officer, as per provisions of the KYC Policy?
A. Money Laundering Reporting Officer (MLRO)

In terms of___________, Suspicious transactions should include inter alia transactions which give rise to a reasonable
ground of suspicion that these may involve financing of the activities relating to terrorism.
C. PMLA Rules

All functionaries in the Bank will ensure at the time of approving outsourcing of services that ______________measures are
implemented in letter and spirit,
C. KYC/AML/CFT

All employee training programmes of __________days’ duration or more, will have a module on KYC Standards/AML/CFT
Measures so that members of the staff are adequately trained in KYC/AML/CFT procedures.
A. Three

L0859
Which milestone marks the end of the process?
C. Closure

On case closure the notification is sent to?

A. Customer

What does CRF stand for?

A. Customer Request Form

In which format is the customer signature displayed?

A. Image

What does NFS stand for

A. Non-Financial Services

If the Approver/ Resolver has sent back for rework, then the record will be shown under
D. Rework Pending View

Which milestone has the status called Sent to Resolver?

A. Processing

In which tab do you have an option of viewing the child SR’s?

D. Child Cases Tab

What does QDE stand for?

C. Quick Data Entry

Which page is the user navigated to, on saving the SR?

SKA
C. SR Detailed View

In which tab, do you have an option of attaching documents?

C. Attachments

What is the category of the Parent SR?

C. Request

The newly created SRs are saved in which status?

A. New

To manually verify the customer’s signature, the user will click on which link?
C. Fetch

A single SR is captured as a child for which a default parent is created.

B. True

A single CIF is assigned to multiple customers

B. False

Multiple SRs are captured as child SRs and a single parent is created for all the child SRs
A. True

Parent SR will be auto-closed only when all its child SR is closed

A. True

If any Child SR is sent for rework, then the remaining child cases will be available for further processing
A. False

L0836
What does CRM stand for?
A. Customer Relationship Management

In Q/R/C/F what dose 'Q' stand For.?

C. Query

In Q/R/C/F what dose 'R' stand for?

D. Request

In Q/R/C/F what dose 'C' stand for?

C. Complaint

In Q/R/C/F what dose 'F' stand for?

C. Feedback

What does DNC Stand for?

A. Do Not Call

What does DND Stand for?

A. Do Not Disturb

What are two views available in Customer 360°?

A. Card View and Detailed View

How many cards are visible at a time in Customer 360° Card View?
A. 6

In which section do you find the details of all the products tagged to the customer in CRM application?
A. Product Holdings

Customer can be searched by

SKA
A. CIF Number
B. Account Number
C. Aadhaar Number
D. Any of the above

The customer record is searched only by entering the exact parameter

A. True

What would be the Risk Category of Politically Exposed Person (PEP)?

C. High

What does CIF Stand for?

A. Customer Information File

From which Card can “New Appointments” be created?

A. Activities Card

From which Card can “New Task” be created?

C. Activities Card

From which Card can new cases be created?

A. Cases Card

From which Card can “New Lead” be created?

D. Leads Card

From which Card can you upload the new attachments for the customer?
C. Attachments Card

The objective of Customer 360° is

A. Provide holistic view of each Retail Customer
B. To enhance Bank - Customer Relationship
C. To effectively increase the no of products sold per customer
D. All of the above

L0824
CRM Stands For
Ans: Customer Relationship Management

LOS is the acronym for

Ans: Loan Originating System

Which of the following will be done in the Core Banking System?

A. CIF Generation
B. Account Opening
C. Limit Setting
D. All of the Above

Once all the required information is filled in the CRM, the Lead details is sent to:
Ans: LOS-Agri

In CRM, which of the following process is run to check if the lead already exists in the system?
Ans: De-Dupe Check

If a customer walks in with all Required valid documents, the lead has to be created in which status?
Ans: Docs Collected

Which of the following is not a Key Challenge in the current system for Agri Loans?
A. Difficulty in tracking leads
B. Limited provisions to set follow ups
C. Lack of / Delayed Customer Communication

SKA
D. Opening Loan Account

In CRM Leads can be manually created or through Integration of various systems / channels
Ans: True

During lead creation, a de-dupe rule is run before the lead is saved, to check if any open lead already exists in the system
Ans: True

CRM has the ability to capture Co-Applicant/Guarantordetails.

Ans: True

In the CRM, the applicant is:

Ans: Parent Lead

In the CRM, the Co-Applicant & Guarantor is:

Ans: Child Lead

In a loan proposal, if the lead is not interested, the lead will be:
Ans: Closed in the LOS System

If a loan proposal is not eligible, the application is:

Ans: Closed in the System

In case of co-applicant, the maximum no of co-applicant’s details that can be maintained in CRM is
Ans: 5

CIF number is mandatory for:

A. Applicant
B. Co-applicant
C. Guarantor
D. All of the Above

Which of the following is not a recognised channel for generation of leads for Agri Banking?
A. Government Department
B. Bank Channel
C. ATM
D. Alternate Channel

In CRM, which of the following are mandatory fields at Appointment fixed status?
A. Appointment Date
B. Appointment Time
C. Both Appointment Date and Time

Which of the following not a valid purpose of Agri Loan?

A. Dairy Finance
B. Crop Production
C. Purchase of Agriculture Land
D. Farm Mechanisation

L0819

In CRM to which Role is Chief General Manager mapped to?

Ans: Circle Head

In CRM to which Role is General Manager mapped to?

Ans: Network Head

In CRM to which Role is Deputy General Manager mapped to?

Ans: Zonal Head

In CRM to which Role is Regional Manager mapped to?

SKA
Ans: Region Head

In case the lead is created by Foreign Office, then the GNC associate marks a particular status after which the lead then gets
assigned to the Branch for further processing. Which is that Status?
Ans: Interested

A duplicate lead created by a Foreign Office goes directly to the Branch manager for Approval.
Ans: False

Which is the status code that is mandatory in the Lead lifecycle?

Ans: Docs Collected

In CRM, Leads generated by External source system are Processed at

Ans: GNC

In CRM, which of the following products are included under Liability layout?
A. Savings Accounts
B. Current Accounts
C. Time Deposits
D. All of the above

Which Status code is visible only after a de-dupe is fired and a duplicate lead is created?
Ans: Sent for Approval

Which of the following is not a NRI Advances Product?

Ans: NRE: TDR/STDR

During lead creation, a de-dupe rule is run before the lead is saved, to check if any open lead already exists in the system
Ans: True

What dose GNC Stand For?

Ans: Global NRI Centre

In CRM Post approval, the status code of a duplicate lead will be

Ans: Approved

During manual creation of lead, if a customer has no/partial documents, then the lead is saved in which of the following
status?
Ans: New lead

Select the option you need to select in CRM if a matching lead already exists in the records.
Ans: Create a new lead and assign it to the supervisor for approval.

FCNR(B) is accepted by Bank in how many Currencies?

Ans: 6

In NRI car loan scheme, the guarantor is required

Ans: YES

In CRM, which of the following are mandatory fields at Appointment fixed status?
A. Appointment Date
B. Appointment Time
C. Both Appointment Date and Time

For NRI Leads in CRM, which of the following the de-dupe rule combinations would be used for the lead-to-lead de-dupe?
Ans: Passport number + Product

Which of the following is not a NRI Housing Loan Product?

A. RESALE: SBI MAXGAIN
B. RESALE: HL FOR NRI/PIO’S
C. NRI CAR LOAN SCHEME
D. RESAME: SBI REALTY

SKA
Which of the following is not a NRI Deposit Product?
A. FCNR (B): STDR/TDR
B. NRO: TDR/STDR
C. NRE: RD
D. RESALE: SBI MAXGAIN

Which of the following currency is not valid for FCNB

Ans: Saudi Riyal (SAR)

L0823
CRM Stands For
Ans: Customer Relationship Management

CIF generation &Account Opening will be done in.

Ans: Core Banking System

What is the full form for LLMS?

Ans: Loan Lifecycle Management System

How is Customer intimated or updated in CRM?

A. Email
B. SMS
C. Both (A) and (B)
D. Either (A) or (B)

Which of the following parameter is used for de-dupe check?

A. Voter's ID
B. Passport Number
C. PAN Number
D. All of the above

Which of the following parameter is not used for de-dupe check?

A. Mobile Number
B. Bank Account Number
C. PAN Number
D. Aadhar Number

Which of the following is not a part of Manual Creation of leads?

A. Referrals
B. Financial Consultants
C. Website
D. Branch Walk-In

Which of the following is not a part of automated creation of leads?

A. Analytics Upload
B. Financial Consultants
C. Website
D. Branch Walk-In

In CRM, which of the following are mandatory fields at Contacted Lead status?
A. Appointment Date
B. Appointment Time
C. Both Appointment Date and Time
D. None of the Above

Which of the following are the channels through which leads could be generated?
A. Branch Walk-In
B. Financial Consultants
C. Referrals
D. All of the Above

SKA
Loan of what Amount is processed in LOS-SME?
Ans: Up to Rs. 5 Crores

Loan of what Amount is processed in LLMS?

A. Above Rs. 5 Crores

In case of eligible customers, for a loan up to Rs. 5 crores, the details from CRM is sent to:
Ans; LOS - SME

In case of eligible customers, for a loan above Rs. 5 crores, the details from CRM is sent to:
Ans: LLMS

In case of New to Bank customers, which of the following is correct?

Ans: First CIF is Generated & then loan is Processed

Reminders and Escalations are automated in CRM.

Ans: Yes

If a customer is interested and walks in the branch with partial or no documents, the lead is created in which status?
Ans; Contacted Lead

If a customer walks in with all Required valid documents, the lead has to be created in which status?
Ans: Documents Received

L0840
In CRM, for MCG Customer which of the following Fields is Editable Under “About Company Section”?
A. Key Strength and Weakness

What does AMT Stand for?

A. Account Management Team

What does NBG Stand for?

A. National Banking Group

What does CRM Stand for?

A. Customer Relationship Management

Whenever a lead is at status code Not Interested, AMT Rejection or Lead Lost, it is mandatory for RMs to put in a remark for
the lead.
B. Yes

If the EWS Score of an Account is below 37.5, then in which colour will the account be colour coded?
A. Green

If the EWS Score of an Account is Above 37.5 and Below 42.5, then in which colour will the account be colour coded?
A. Amber

IF the EWS Score of an Account is above 42.5, then in which colour will the account be colour coded?
A. Red

After receiving the documents from customer, what will be the Status code of Lead?
C. Docs Collected

Once lead details are completed, the lead is sent to LLMS for further processing. The status of the lead at this stage is
updated as?
A. Sent to LLMS

Which is the status code that is mandatory in the Lead lifecycle?

D. Docs Collected

SKA
In CRM, for a MCG Customer which of the following Field is not Editable Under “Key Information section”?
A. Email
B. Website URL
C. AMT Team
D. CIF Number

What does RaRoc Stand for?

A. Risk Adjusted Return on Capital

What does EWS Stand For?

D. Early Warning Score

Reminders and Escalations are automated in CRM.

A. Yes

Once, the committee assigns the leads to a Regional Office (RO), the GM of the respective RO assigns leads to various
AMTs for action on the lead, the status code of Lead is
B. Assigned by GM

During manual creation of lead, if a customer has no/partial documents, then the lead is saved in which of the following
status?
A. New lead

In CRM, which of the following are mandatory fields at Appointment fixed status?
A. Appointment Date
B. Appointment Time
C. Both Appointment Date and Time

L0438
Full KYC should be done at least once in …….. in case of high risk category customers.
Ans: two years

Full KYC should be done at least once in …….. in case of medium risk category customers.
Ans: eight years

If minor is less than …………. of age, ID proof of the person who will operate the account is obtained.
Ans: 10 years

CDD stands for…….

Ans: Customer Due Diligence

HUF stands for…….

Ans: Hindu Undivided Family

What is the full form of CIP?

Ans: Customer Identification Procedure

What is the full form of STRs?

Ans: Suspicious Transaction Reports

Money launderers use the ………… for cleansing ‘dirty money’ obtained from criminal activities with the objective of
hiding/disguising its source.
Ans: banking system

‘Small Account' means a savings account in a banking company where:

A. the balance at any point of time does not exceed rupees fifty thousand
B. the aggregate of all credits in a financial year does not exceed rupees one lac
C. the aggregate of all withdrawals and transfers in a month does not exceed rupees ten thousand
D. all of the above

Who has specified Know Your Customer Standards to be followed by banks?

Ans: Reserve Bank of India

SKA
KYC is carried out to identify and verify the profile and identity of the ……….
Ans: customer

Where forgery of valuable security or documents has taken place report should be furnised to ………. in plane text form.
Ans: FIU-IND

The PMLA and rules notified there under impose obligation on banking companies, financial institutions and intermediaries to
verify identity of clients, maintain records and furnish information to ……….
Ans: FIU-IND

…………. can be used to launder the proceeds of fraud schemes (e.g., phishing and identity theft) by criminals.
Ans: Money Mules

…………… is the one that originates a wire transfer as per the order placed by its customer.
Ans: Ordering bank

Section 12 of PMLA places the following obligation on the Bank:

A. Furnishing information of prescribed transactions to the specified authority
B. Maintaining a record of prescribed transactions
C. Identifying the beneficial owner if any, of such of its clients, verifying and maintaining records of the identity of its
clients
D. All of the above

The AML/CFT Policy of the Banks has …….. key elements.

Ans: 4

Which section of Prevention of Money Laundering Act, 2002 (PMLA) has defined the “offence of money laundering”?
Ans: Section 3

The Prevention of Money Laundering Act, 2002 came into force w.e.f ……
Ans: 1st July 2005

Under CTRs, cash withdrawals and deposits for ……….. and above in deposit, cash credit and overdraft accounts to be
recorded in a separate register and reported to controlling office every month.
Ans: Rs. 10.00 lacs

In case of Non face-to-face customers, branches should insist on certification of documents for photo ID and proof of
residence by …………
A. Notary Public
B. Indian Embassy
C. Banker
D. Any of the above

Which of the following documents is a requirement in case of opening Individuals account

A. Passport
B. Driving Licence
C. NREGA Card
D. any of the above

Which of the following documents is a requirement in case of opening Societies/Associations / Clubs account?
Ans: Resolution for opening of the account

Which of the following documents is a requirement in case of opening partnership firms account?
A. Partnership deed
B. A copy of Bye-laws
C. Partnership Letter
D. a and c both

Which of the following documents is a requirement in case of opening Hindu Undivided Family account?
Ans: Proof of Identification of Karta

SKA
Financial institutions should be required to undertake Customer Due Diligence (CDD) measures when:
A. Establishing business relationship
B. Carrying out occasional transactions above the applicable designated threshold for the account
C. The transaction is carried out in a single operation or in several operations that appear to be linked
D. All of the above

CCRs are also required to be filed in cases of detection of Counter Currency through ……….. System of RBI in remittances
sent to them.
Ans: Currency Verification and Processing

CIP carried out for natural person requires:

A. proof of identity and recent photograph
B. proof of address/location
C. both a & b

CIP would enable ………. of the customer and also to determine the expected or predictable pattern of transactions.
Ans: risk profiling

SKA