Banking Awareness

1
MARKETING SYLLABUS
Marketing Awareness: This section is based on Fundamental of marketing and how to serve
the customer.
Also topics include:
1. Banking policy
2. Basic concept (7s of !arketing and 7 " of !arketing#.
3. roduct life cycle
4. $eveloping stage of organi%ation
. "egmentation& positioning and targeting.
"B' (: !arketing )ui%
*. +hich of the following is the best definition of a market,
a# A shopping center
b# An arrangement of buyers and sellers
c# An industry with many competitors
d# An industry that is not a monopoly
e# -one of above
.. +hat two factors determine prices in a market,
a# $emand and supply
b# 'nflation and unemployment
c# -umber of buyers and sellers
d# 'nterest rates and e/change rates
e# -one of these
0. +hich of the following is not an e/ample of legal trading activity,
a# 1artels
b# rice fi/ing
c# !arket sharing
d# $iscounting the price of new products
e# -one of these
2. 3iffen goods are the goods for which demand decrease when their prices:
a# 'ncrease
b# $ecrease
c# 4emains constant
d# 4educe to a certain level
e# -one of these
5. A market where there are many sellers offering an identical product and
where there is free entry to the market is known as 6
a# !onopoly
b# (ligopoly
c# erfect competition
d# !onopolistic competition
e# -one of above
7. +hat tends to happen in the short term when there is e/cess demand in
a market,
a# rices rises in the market
b# rices fall in the market
c# 3overnments intervene by raising ta/es
d# Businesses makes lower profits
e# -one of the above
2
7. !arket 8/pansion means6
a# hiring more staff
b# firing more staff
c# buying more products
d# buying more companies
e# -one of above
9. +hen price of good is held above e:uilibrium price& normal result will be
a# 8/cess demand
b# 'ncrease in supply
c# 'ncrease in demand
d# "urplus of product
e# -one of these
;. 'n short run to stay in business& firm must cover,
a# Total costs
b# Fi/ed costs
c# <ariable costs
d# -ormal profit
e# -one of these
*=. +hich of the following sector of economy produces unrefined raw materials,
a# rimary sector
b# "econdary sector
c# Tertiary sector
d# ublic sector
e# -one of these
**. rofit is defined as:
a# <alue added less fi/ed assets
b# Total revenues less direct costs
c# Total revenues less total costs
d# 1ash receipt less cash payments
e# -one of above
*.. +hich of the following is an e/ample of an indirect ta/,
a# 'ncome ta/
b# +ealth ta/
c# 'nheritance ta/
d# 1orporation ta/
e# <alue added ta/
*0. The market value of all final goods and services produced and>made with the geographical
boundaries of a country in a year is known as
a# 3ross Fiscal $eficit
b# 3ross -ational "aving
c# 3ross $omestic roduct
d# 3ross $omestic 1apital Formation
*2. !icro economics is concerned with
A# (ptimal production decisions
B# (ptimal resource allocation
1# ricing policy
a# (nly (A#
b# (nly (B#
3
c# (nly (1#
d# Both (A# ? (B#
e# All (A#& (B# ? (1#
*5. 3overnment economic policy based on ta/ation and public e/penditure is
known as :
a# !onetary policy
b# Fiscal policy
c# 8conomic policy
d# "pending policy
e# -one of these
ANS!ERS:
*.b
..a
0.d
2.b
5.c
7.a
7.e
9.d
;.c
*=.a
**.c
*..e
*0.c
*2.e
*5.b
)*. "ervice !arketing is resorted to in
*# 'nsurance 1ompanies and Banks
.# All !anufacturing companies
0# All roduction houses
2# 8/port @nits
5# All of these
).. !arket "hare refers to
*# "hare of +allet
.# "hare !arket price
0# rice Fluctuation in the !arket
0# "hare issue floated by the company
5# "hare of business of the company as compared to peers
)0. 1urrent Accounts can be freely opened by AAAAAAAA
*# 3overnment $epartment
.# All -4'Bs
0# All Businessmen
2# Firms and 1ompanies
5# C@FBs
)2. Buyer 4esistance can be overcome by
*# 1ordial relation between buyers and seller
4
.# ersuasive 1ommunication
0# 3ood negotiation
2# 3ood after sales service
5# All of these
)5. "ituation analysis is useful for
*# Analysis of sales person performance
.# "+(T "ector banks
0# 3overnment concern
2# rofit making companies
5# All of these
)7. The rural marketing is not re:uired because
*# 't is sheer wastage of time
.# 4ural people do not understand marketing
0# 't is sheer wastage of time
2# All are correct
5# -one of these
)7. !arket e/pansion means
*# buying more companies
.# buying more products
0# hiring more staff
2# firing more staff
5# -one of these
)9. The service marketing is same as
*# sales marketing
.# telemarketing
0# relationship marketing
2# brand marketing
5# -one of these
);. The administrator in a organi%ation consider a microcomputer as
*# a simple electronic machine
.# an important component of information system
0# a powerful tool of productivity
2# a calculating machine
5# -one of these
)*=. !arketing 1hannels means
*# $elivery (bDects
.# "ales Target
0# $elivery (utlets
2# $elivery Boys
5# "ales Team
ANS!ERS:
*. *
.. 5
0. 5
2. *
5. .
7. 5
7. 5
9. 0
5
;. 0
*=. 0
8conomics )uestions For "B' ( 8/am
$ear readers& here we are providing you a some 8conomics :uestions which can be useful in
your upcoming "B' ( e/am.
1. +hich of the following measures should be taken when an economy is going through
inflationary pressures,
A. The $irect ta/es should increased
B. The 'nterest rate should be reduced
1. The public spending should be increased
"elect the correct answer from the options given below
(*# (nly A (.# (nly B
(0# (nly B ? 1 (2# (nly A ? B
2. -ational 'ncome is generated from:
(*# Any money making activity
(.# Any labourios activity
(0# Any profit6making activity
(2# Any productive
3. The term stagflation refers to a situation where:
(*# 3rowth has no relation with the change in prices
(.# 4ate of 3rowth and rices both are decreasing
(0# 4ate of 3rowth is faster than the rate of prices increase
(2# 4ate of 3rowth is slower than the rate of prices increase
4. 3ross $omestic roduct is defined as the value of all:
(*# 3oods produced in an economy in a year
(.# 3oods and services produced in an economy in a year
(0# Final 3oods produced in an economy in a year
(2# Final 3oods and services produced in an economy in a year
. The $raft of the Five Eear lans in 'ndia is approved by the:
(*# -ational $evelopment 1ouncil
(.# lanning 1ommission
(0# -ational roductivity 1ouncil
(2# !inistry of Finance
". $eficit financing implies6
(*# rinting new currency notes
(.# 4eplacing new currency with worn out currency
(0# ublic revenue in e/cess of public e/penditure
(2# ublic e/penditure in e/cess of public revenue
#. $epreciation means:
(*# 1losure of a plant due to lockout
(.# 1losure of a plant due to labor trouble
(0# Foss of e:uipment over time due to wear tear
(2# $estruction of plant in a fire accident
$. $uring periods of 'nflation& ta/ rates should:
6
(*# 'ncrease
(.# $ecrease
(0# 4emain 1onstant
(2# Fluctuate
%. $evaluation of a currency means
(*# reduction in the value of a currency vis6a6vis maDor internationally traded currencies
(.# permitting the currency to seek its worth in the international market
(0# fi/ing the value of the currency in conDunction with the movement in the value of a basket of
pre6determined currencies
(2# fi/ing the value of currency in multilateral consultation with the '!F& the +orld Bank and maDor
trading partners
1&. 'f the cash reserve ratio is lowered by the 4B'& its impact on credit creation will be to
(*# increase it
(.# decrease it
(0# no impact
(2# -one of the above
Answers:
1 * " 2
2 * # 0
3 2 $ *
4 2 % *
* 1& *
!arketing )uestions For "B' ( 8/am
1. 1onsumer information sources are6
(*# personal source and commercial source
(.# public source
(0# e/perimental source
(2# All (*#& (.# ? (0#
(5# (nly (*# ? (.#
2. Gero6Based Budgeting (GBB# means6
(*# a tool for marketing cost analysis
(.# a tool for financial analysis
(0# each year& budgeting starts from a scratch
(2# a certain percentage of sales
(5# (nly (*# ? (.#
3. The advantages of telephone6interview are6
(*# relatively low cost per interview
(.# good for reaching important people who are inaccessible
(0# securing co6operation which is not always possible
(2# All of these
(5# (nly (*# ? (.#
4. +hich among the following is a disadvantage of an 8$' system,
7
(*# "peed
(.# 8rrors
(0# 8/pensive
(2# !ismatch
(5# -one of these
. 'n online marketing & there is AAAAAA
(*# no e/change
(.# e/change is the core of marketing
(0# 3uarantee
(2# (nly warranty
(5# -one of these
". "ales forecasting involvesAAA
(*# "ales planning
(.# $istribution 1hannels
(0# "ales ricing
(2# 1onsumer Tastes
(5# All of these
#. !arketing isAAAA
(*# 1onsumer oriented
(.# 1ompetitors oriented
(0# roducer oriented
(2# Both (*# ? (.#
(5# Both (.# ? (0#
$. +arehousing management does not includeAAAA
(*# (rder picking procedure
(.# "pace determination
(0# "tock layout
(2# "tock design
(5# "tock placement
%. 'n the case of such goods where consumer normally compares price& :uality delivery etc are
calledAAAA
(*# "hopping goods
(.# "pecially goods
(0# "table goods
(2# $erived demand
(5# Fu/ury goods
1&. 'n marketing !i/ 2Hs implyAAA
(*# roduct& rice& olicy& lace
(.# roduct& rice& ublic& lace
(0# roduct& romotion& olicy& lace
(2# roduct& rice& lace& romotion
(5# roduct& rice& olicy& lace
11. According to product life cycle theory& the profit is ma/imum in:
(*# !atured stage
(.# $eveloped stage
(0# 8arly stage
(2# $eclined state
8
(5# -one of these
12. 'n the 8ra of globali%ation of business& ! ? A meansAAAAA
(*# !oney ? Assets
(.# !arketing ? Alliances
(0# !ergers ? Ac:uisitions
(2# !eans ? Ac:uisitions
(5# !arkets ? Ac:uisitions
13. The long term obDective of marketing is AAAAAA
(*# 1ustomer satisfaction
(.# rofit ma/imi%ation with customer
(0# rofit ma/imi%ation
(2# 1ost cutting
(5# -one of these
14. +hich of the following is an e/ample of teleconferencing,
(*# 1omputer conferencing
(.# Audio conferencing
(0# <ideo conferencing
(2# All of the above
(5# -one of these
1. 'nformation systems can assist managers byAAA
(*# providing information
(.# providing data on internal sources
(0# directing
(5# -one of these
*. (2# ;. (*# .. (0# *=. (2# 0. (2# **. (*# 2. (0# *.. (0# 5. (.# *0. (.# 7. (5# *2. (2# 7. (2# *5. (2# 9. (*#
;. (*# .. (0# *=. (2# 0. (2# **. (*# 2. (0# *.. (0# 5. (.# *0. (.# 7. (5# *2. (2# 7. (2# *5. (2# 9. (*#
)*. 'n I$ouble6winH strategy6
(a# 1ustomer gets an additional benefit
(b# 1ustomer gets price debate.
(c# Both customs and the sales person come out with sense of satisfaction
(d# Both (a# and (b#
).. 1onsumer behavior& Ierception is a process through which
(a# a consumer make ultimate purchasing
(b# a consumer is satisfied
(c# a consumerHs mind receives& organi%es and interprets physical stimuli
(d# Both (a# and (c#
)0. "ales forecast implies
(a# an estimate of the ma/imum possible sales opportunities present in a particular market
segment
(b# an estimate of sales& in physical units& in a future period
(c# Both (a# and (b#
(d# -either (a# nor (b#
9
)2. 'n advertising for JJJJ is not allowed on T.<
(a# Fi:uour
(b# 1igarattes
)5. A theory states that no matter how efficiently goods > services are produced& if they cannot be
delivered to the customer in the :uickest possible time it is vain. This theory is called
(a# )uickest the best
(b# 'nstant service
(c# "ervice on time
(d# Timely effort
)7. 8ntrepreneurs find direct marketing the attractive because of
(a# 'nvestment is low
(b# 't doesnHt re:uired speciali%ed skills
(c# 4eturns are :uick
(d# All of the above
)7. $emonstration is an e/ercise to
(a# attractively pack and display the goods
(b# prove the characteristic of the product
(d# -either (a# and (b#
)9. +hich among the following is not an e/ample of $irect marketing ,
(a# tele6marketing
(b# sales on internet
(c# mail order sales
(d# 4etail stores
);. 'n selling IconsumptionH is the ultimate goal of the salesman while a marketer K
(a# identify consumer needs
(b# develop an appropriate product > service to attain customer satisfaction
(c# accomplish organi%ational goals through integrated marketing approach
)*=. 'n Banking services& market can be segmented on the basis of
(a# density
(b# customers
)**. +hich of the following is not a Iost testingH Techni:ue of advertisement ,
(a# "ales test
(b# Focus group
(c# 8n:uiry test
(d# Attitude test
)*.. I1asualH research is basically concerned with
(a# establishing cause and effect relationship
(b# arriving at a forecast or prediction of interest
(c# measuring and estimating the fre:uencies with which of things occur
(d# All of the above.
)*0. A method& in which Brand e:uity is measured by comparing difference between the retail
10
price of the brand and the retail price of an unbranded product in the same category is called:
(a# Brand goodwill method
(b# rice premium method
)*2. !edia planning includes:
(a# assessing lost
(b# selecting the right medium
(c# both (a# and (b#
)*5. 'n marketing IinitiatorH is a term which describes
(a# who determines that some need is not being met and authorities a purchase to rectify the
situation
(b# who most directly involved in the consumption of the product
ANS!ERS:
*. b
.. c
0. c
2. c
5. b
7. d
7. b
9. d
;. d
*=. c
**. d
*.. a
*0. b
*2. c
*5. a
B' (: !arketing )ui%
'n view of the upcoming "B' ( 8/am& here we are presenting to you a :ui% on !arketing. All the
:uestions given below are the e/pected :uestion& which can be asked in the "B' ( 8/am. All
the best :#
).*. +hich of the following statements is correct,
(*# !arketing is the term used to refer only to the sales function within a firm.
(.# !arketing managers usually donHt get involved in production or distribution decisions.
(0# !arketing is an activity that considers only the needs of the organi%ation& not the needs of
society as a whole.
(2# !arketing is the activity& set of institutions& and processes for creating& communicating&
delivering and e/changing offerings that have value for customers& clients& partners& society at
large.
(5# -one of these
)... The term marketing refers to LLL6
(*# -ew product concepts and improvements
(.# Advertising and promotion activities
11
(0# A philosophy that stresses customer value and satisfaction
(2# lanning sales campaigns
(5# -one of these
).0. 'n the history of marketing& when did the production period end,
(*# 'n the late *9==s
(.# 'n the early *;==s
(0# 'n the *;.=s
(2# After the end of the "econd +orld +ar
(5# -one of these
).2. A marketing philosophy summari%ed by the phrase Ma good product will sell itselfN is
characteristic of the LLL period.
(*# roduction
(.# "ales
(0# !arketing
(2# 4elationship
(5# -one of these
).5. +hich of the following factors contributed to the transition from the production period to the
sales period,
(*# 'ncreased consumer demand
(.# !ore sophisticated production techni:ues
(0# 'ncrease in urbani%ation
(2# The 3reat $epression
(5# -one of these
).7. An organisation with a LLLL orientation assumes that customers will resist purchasing
products not deemed essential.
(*# roduction
(.# !arketing
(0# 4elationship
(2# "ales
(5# -one of these
).7. 'n the relationship marketing firms focus on LLL relationships with LLLLL.
(*# "hort termO customers and suppliers
(.# Fong termO customers and suppliers
(0# "hort termO customers
(2# Fong termO customers
(5# -one of these
).9. olitical campaigns are generally e/amples of LLL.
(*# 1ause marketing
(.# (rgani%ation marketing
(0# 8vent marketing
(2# erson marketing
(5# -one of these
).;. The 1oca 1ola organisation is an official sponsor of the (lympics. The firm is engaging in
LL
(*# lace marketing
(.# 8vent marketing
(0# erson marketing
(2# (rgani%ation marketing
(5# -one of these
12
).*=. TodayHs marketers need J....
(*# -either creativity nor critical thinking skills
(.# Both creativity and critical thinking skills
(0# 1ritical thinking skills but not creativity
(2# 1reativity but not critical thinking skills
(5# -one of these
).**. +hich of the following is -(T an element of the marketing mi/,
(*# $istribution
(.# roduct
(0# Target !arket
(2# ricing
(5# -one of these
).*.. The term Mmarketing mi/N describes:
(*# A composite analysis of all environmental factors inside and outside the firm
(.# A series of business decisions that aid in selling a product
(0# The relationship between a firmHs marketing strengths and its business weaknesses
(2# A blending of four strategic elements to satisfy specific target markets.
(5# -one of these
).*0. -ewsletters& catalogues& and invitations to organisation6sponsored events are most closely
associated with the marketing mi/ activity of LLL
(*# ricing
(.# $istribution
(0# roduct development
(2# romotion
(5# -one of these
).*2. The way in which the product is delivered to meet the customersH needs refers to LL6
(*# -ew product concepts and improvements
(.# "elling
(0# Advertising and promotion activities
(2# lace or distribution activities
(5# -one of these
).*5. The key term in the American !arketing AssociationHs definition of marketing is LLLL.
(*# rocess
(.# 1ustomers
(0# "take holders
(2# <alue
(5# -one of these
).*7. A critical marketing perspective is the process of determining LLL
(*# The value of a product& person& or idea
(.# Cow places compete with each other
(0# The worth and impact of marketing activities
(2# +hich type of promotional strategy works best
(5# -one of these
).*7. +hen customer e/pectations regarding product :uality& service :uality& and value6based
price are met or e/ceeded& LLLL is created.
(.# lanning e/cellence
(0# A :uality rift
13
(2# A value line
(5# -one of these
).*9. A market orientation recogni%es that LLL
(*# rice is the most important variable for customers
(.# The customer thinks he or she is buying what is important
(0# "elling and marketing are essentially the same thing
(2# "ales depends predominantly on an aggressive sales force
(5# -one of these
).*;. Four competing philosophies strongly influence the role of marketing and marketing
activities within an organi%ation. +hich of the following is -(T a marketing management
philosophy,
(*# 1ustomer (rientation
(.# rofitability (rientation
(0# !arketing (rientation
(2# 1ompetitor (rientation
(5# -one of these
)..=. 'n order for e/change to occur LLL6
(*# A comple/ societal system must be involved
(.# (rgani%ed marketing activities must also occur
(0# A profit6oriented organi%ation must be involved
(2# 8ach party must have something of value to the other party
(5# -one of these
Answers:
).*.(2# ).**.(0#
)...(0# ).*..(2#
).0.(0# ).*0.(2#
).2.(*# ).*2.(2#
).5.(.# ).*5.(2#
).7.(2# ).*7.(0#
).7.(.# ).*7.(*#
).9.(2# ).*9.(.#
).;.(.# ).*;. (.#
).*=.(.# )..=.(*#
)*. +hich of the following statement is FAF"8 ,
(*# !arketing is a consumer K oriented process.
(.# !arketing is much more than selling and advertising.
(0# The concept of marketing is a narrow term.
(2# !arketing starts even before production starts.
(5# !arketing helps the enterprise to adapt to the changing conditions and circumstances.
).. +hich of the following organi%ation gave the definition K I!arketing is concerned with the
people and activities involved in the flow of goods and services from producer to consumerH
(*# American !arketing Association
(.# @P institute of !arketing
(0# @niversity of 4egina
(2# Carvard Faw "chool
(5# @niversity of 1hicago
14
)0. +hich of the following is -(T one of the characteristics of services ,
(*# erishability
(.# <ariability
(0# 1ustomer articipation
(2# Tangibility
(5# 'nseperability
)2. +hich of the following sector comes under the services sectors ,
(*# Tourism
(.# Fegal
(0# Transportation
(2# 1ommunication
(5# All of these
)5. 8/pand "+(T.
(*# "trengths& +idth& (pportunities& Threats
(.# "ecurity& +eaknesses& (pportunities& Threats.
(0# "trengths& +eaknesses& (pportunities& Threats
(2# "ociety& +eaknesses& (pportunities & Travel
(5# "ystems& +eaknesses& (pportunities& Travel
)7. +hich of the following is -(T a part of Iroduct Fife 1ycleH ,
(*# 'ntroduction
(.# 3rowth
(0# "aturation
(2# 'nflation
(5# !aturity
)7. +hat is meant by B.B 86business !odel ,
(*# Bank6to Business
(.# Business6to Bank
(0# Building6to Business
(2# Business Kto Broadcast
(5# Business6to Business
)9. $escribe B.1 model of e6business.
(*# "elling of products and services to corporates.
(.# "elling of products and services directly to consumers.
(0# 1onsumers name own prices& which businesses can accept or decline.
(2# Businesses selling to local state& and federal agencies.
(5# 1onsumers selling directly to other consumers.
);. Telemarketing is a form of AAAAAAAAA
(*# 'ndirect !arketing
(.# Field !arketing
(0# <irtual !arketing
(2# $irect !arketing
(5# (nline !arketing
)*=. +hat is !6marketing ,
(*# !obile !arketing
(.# !anagement !arketing
(0# !odel !arketing
(2# !odern !arketing
(5# !ind !arketing
15
)**. +hat are specialty stores ,
(*# "tores that speciali%es in electronic goods only.
(.# "tores that speciali%es in a single line of goods with a deep assortment to give wider choice to
customers.
(0# "tores that are managed by hawkers& pedlars& street vendors.
(2# "tores that offer great shopping convenience to customers.
(5# "tores that speciali%es in selling books only.
)*.. +hat is concept !arketing ,
(*# 't is the type of marketing in which manufactures own outlets and e/clusive show rooms.
(.# 't is the factory outlets owned and operated by retailers.
(0# 't is an act of converting a new concept into a product.
(2# 't is the concept of marketing through sending messages on mobiles.
(5# -one of these
)*0. 8/pand '1$T !odel.
(*# 'nformation& communication& Transaction and $istribution.
(.# 'nvestment& communication& transaction and distribution.
(0# 'nternet& carrier& Transaction and $istribution.
(2# 'nternet& communication& Transport and $istribution.
(5# 'nformation& communication& Transportation and $istribution.
)*2. An advertisement is not for AAAAAAAAAAAAA
(*# "uggesting new uses of product.
(.# 8/plaining how a product works.
(0# Telling about a new product.
(2# Building brand preferences.
(5# -one of these
)*5. +hich of the following is -(T a base for !arket segmentation ,
(*# Behavioral "egmentation
(.# $emographic "egmentation
(0# 3eographic "egmentation
(2# sychographic segmentation
(5# "tatus "egmentation
)*7. +hich of the following is -(T an important component of I4(!(T'(-AF !'QH,
(*# Advertising
(.# ersonal selling
(0# "ales romotion
(2# ublicity
(5# Total :uality !anagement
)*7. Advertising is a non6 personal mass communication by an AAAAAAAAAAAAA sponsor.
(*# @nidentified
(.# 'dentified
(0# owerful
(2# "pontaneous
(5#1onvenient
)*9. +hich of the following factors do not affect the Iricing olicyH of a company ,
(*# 1ost
(.# $emand
(0# 1ompetition
(2# $istribution 1hannel
16
(5# "tandard of living
)*;. The task of creating strong customer loyalty is called AAAAAAAA
(*# Accountable !arketing
(.# Total )uality !arketing
(0# 4elationship !arketing
(2# $irect !arketing
(5# -one of these
).=. +hat is meant by the term IBrand insistence ,
(*# A buyer will buy the brand but has an open mind to try another brand.
(.# A buyer insists on purchasing one brand only and will not accept a substitute.
(0# A buyer has no knowledge of the e/istence of brand.
(2# A buyer favors the purchase of the brand
(5# A buyer has a strong attachment to the brand and will not accept a substitute if brand is
available.
ANS!ERS:
*. (0# **. (.#
.. (*# *.. (0#
0. (2# *0. (*#
2. (5# *2. (.#
5. (0# *5. (5#
7. (2# *7. (5#
7. (5# *7. (.#
9. (.# *9. (5#
;. (2# *;. (0#
*=. (*# .=. (.#
)*. 1ustomerHs 4elationship with the Bank is influenced by 6
(*# 1ustomerHs attitudes
(.# Attitude of bank staff
(0# Attitudes of salesperson
(2# 3ood service
(5# All of these
).. $elivery channel other than Bank counters are6
(*# AT!Hs
(.# 'nternet Banking
(0# !obile Banking
(2# Tele Banking
)0. The "e:uence of a sales process is 6
(*# Fead generation& call& presentation ? sale
(.# "ales& presentation& lead generation& call
(0# Fead generation& call& sale ? presen tation
(2# There is no se:uence re:uired
(5# -one of these
)2. Automated Teller machines (AT!s# are innovation for the banking industry. 'n terms of the
service industry this is an innovation in the K element of the marketing mi/.
(*# ricing
(.# romotion
17
(0# $istribution
(2# roduct
(5# -one of these
)5. A brand is B8"T defined as a 6
(*# 4egistered design or symbol that is displayed on the product.
(.# 4elated group of words that describe the product.
(0# -ame& symbol& design or combination of these that identifies a sellerHs product.
(2# 1opyrighted word(s# that give the manu facturer e/clusive ownership.
(5# -ame of the manufacturer of the product.
)7. (ne distinguishing factor between a brand name and a brand is that a brand -ame.
(*# 1reates customer loyalty
(.# 1onsists of word
(0# 'dentifies only one item in the product mi/
(2# 'mplies an organi%ationHs -ame
(5# -one of these
)7. +hen a firm uses one of its e/isting brand name as part of a brand name for an improved or
new product& the branding is calledAAAAAAAA
(*# 'ndividual branding
(.# (ver all family branding
(0# Fine family branding
(2# Brand e/tension branding
(5# -one of these
)9. A carton of orange Duice has no brand name and on the package only the name of the
product I (range RuiceH is written. This is an e/ample of 6
(*# a manufacturerHs brand
(.# an own label brand
(0# a no frills brand
(2# a generic brand
(5# -one of these
);. +hen AAAAAAAAAA branding is used& all of a firmHs products are branded with the same name
or at least part of the name 6
(*# 'ndividual
(.# Trademark
(0# Family
(2# "elective
(5# 8/tension
)*=. Fabeling is important for three reasons6 promotional and legal reasons. +hat is the third
reason,
(*# !arketing
(.# Branding
(0# "trategic
(2# 'nformational
(5# -one of these
)**. Fabeling is important for informational& legal ? 6 reasons 6
(*# !arketing
(.# Branding
(0# "trategic
(2# romotional
(5# -one of these
18
)*.. The label an a soft drink can reads M cool and reforesting for what reason are these words
used,
(*# To provide information
(.# To encourage multiple purchases
(0# To promote the product
(2# To satisfy legal re:uirements
(5# -one of these
)*0. !ultiple packaging is 6
(*# Fikely to increase demand
(.# The same as family packaging
(0# The most effective type of packaging
(2# The most e/pensive
(5# -one of these
)*2. !arketers should view packaging as a maDor strategic tool& especially for 6
(*# 1onsumer 1onvenience products
(.# 'ndustrial products
(0# 1onsumer "hopping products
(2# "pecialty products
(5# -one of these
)*5. The first step in selling process6
(*# re6approach
(.# approaching the customer
(0# !aking the presentations
(2# rospecting
(5# -one of these
)*7. Before 1ontacting acceptable prospects& a salesperson for an industrial cleaning e:uipment
company analy%es information about the prospects& product need& feeling about brands& and
personal characteristics. This process is called 6
(*# rospecting
(.# pre approach
(0# approach
(2# making the presentation
(5# reparing
)*7. +hich of the following is most likely to stimulate customer loyalty 6
(*# 1oupons
(.# "weepstakes
(0# Fre:uent user incentives
(2# remiums
(5# "amples
)*9. A good definition of AAAAAAAA would be that it consists of direct connections with care fully
targeted individual consumers to both obtain an immediate response and cultivate lasting
customer relationships6
(*# advertising
(.# direct marketing
(0# sales promotion
(2# public relations
(5# -one of these
)*;. ersonal selling tries to achieve three general goals finding prospects& convincing prospects
19
to buy and 6
(*# !onitoring new products being developed
(.# Being aware of competitors sales activities
(0# Avoiding repeat sales
(2# Peeping customer satisfied
(5# -one of these
).=. Sure Banking -othing 8lseS 6 Advertisement title belongs to which Bank ,
(*# Allahabad Bank
(.# "tate Bank of 'ndia
(0# 1anara Bank
(2# @nion Bank
(5# 'ndian (verseas Bank
ANS!ERS:
*. (5# **. (2#
.. (5# *.. (0#
0. (*# *0. (.#
2. (0# *2. (*#
5. (0# *5. (2#
7. (.# *7. (5#
7. (2# *7. (0#
9. (2# *9. (.#
;. (0# *;. (2#
*=. (2# .=. (.#
B' (: !arketing )ui%
)*. +arehouse !anagement does not include 6
(*# "pace determination
(.# "tock layout
(0# "tock design
(2# "tock placement
(5# (rder picking procedure
).. A marketing techni:ue where marketer plays a specific role in a particular segment is called 6
(*# !ass !arketing
(.# -iche marketing
(0# "trategic !arketing
(2# 1ommunication !arketing
(5# -one of these
)0. +hich among the following is not an e/ample of convenience goods,
(*# Tea
(.# -ewspaper
(0# 1offee
(2# "hirts
(5# -one of these
)2. 'n !arketing !i/ 2 Hs 'mply 6
(*# roduct& rice& lace& romotion
(.# roduct& rice& olicy& lace
(0# lace& eople& roduct& romotion
(5# -one of these
20
)5. 'n !arket segmentation which among the following is not an economic component6
(*# Age
(.# 3ender
(0# Both * and .
(2# 'ncome level
(5# Ta/es
)7. +hich among the following is a feature of good forecasting method 6
(*# Accuracy
(.# "implicity
(0# 8conomy
(2# Availability
(5# All of these
)7. A person who ultimately determines any part or whole of the buying decision is called6
(*# $ecider
(.# Buyer
(0# @ser
(2# 'nfluencer
(5# -one of these
)9. +hen a firm sells off part of its business to another it is called6
(*# $iversification
(.# $ivestment
(0# runing
(2# "trategy
(5# Roint venture
);. Buyer 4esistance means 6
(*# Buyers fighting with the salesman
(.# 4eluctant salesman
(0# 'ndifferent "alesman
(2# Cesitant buyers
(5# -one of these
)*=. $igital Bank can be resorted through 6
(*# !obile phones
(.# 'nternal
(0# Telephones
(2# All of these
(5# -one of these
)**. 1ross selling is very effective in the sale of one of the following 6
(*# $ebit 6 1ard
(.# 1redit6 1ards
(0# 'nternal6 Banking
(2# Auto Foan
(5# All of these
)*.. Target market for debit card is 6
(*# All e/isting account holder
(.# All sales persons
(0# All -4'Hs
(2# All C-'Hs
(5# All of these
21
)*0. "!8 means 6
(*# "mall and medium enterprises
(.# "mall scale marketing entities
(0# "mall ? medium establishments
(2# -one of these
)*2. M(ut6sourcing means service rendered by 6
(*# (utside agencies
(.# (ther departments of the company
(0# 8mployees other than the sales person
(2# !arketing department
(5# -one of these
)*5. "ales promotion involves& the incorrect option6
(*# Building product awareness
(.# 1reating interest
(0# roviding 'ntonation
(2# $esigning new product
(5# -one of these
)*7. $"A !eans 6
(*# $istrict sales Authority
(.# $irect "elling Agent
(0# $istributor and "ales agent
(2# -one of these
(5# All of these
)*7. M1onversionN in sales language means 6
(*# 1onverting a buyer into a seller
(.# 1onverting a seller into a buyer
(0# 1onverting a prospect into customer
(2# All of these
(5# -one of these
)*9. Bank !arketing is treated as 6
(*# Transaction marketing
(.# "ervice marketing
(0# 'ndoor marketing
(2# all of these
(5# -one of these
)*;. Feads can be provided by 6
(*# friends relatives
(.# +ebsites
(0# $irectories
(2# All of these
(5# -one of these
).=. !arketing is K Find the wrong option 6
(*# an ancient concept
(.# a modern concept
(0# a continuous affair
(2# a team effort
(5# -one of these
22
ANS!ERS:
*. (5# **. (5#
.. (.# *.. (*#
0. (2# *0. (*#
2. (*# *2. (*#
5. (0# *5. (2#
7. (5# *7. (.#
7. (*# *7. (0#
9. (.# *9. (.#
;. (2# *;. (2#
*=. (2# .=. (*#
).*. !arket e/pansion means6
(*# Ciring more staff
(.# Buying more products
(0# firing more staff
(2# Buying more companies
(5# -one of these
)... 8ffective marketing helps in6
(*# $eveloping new products
(.# 1reating a competitive environment
(0# Building demand for product
(2# All of these
(5# -one of these
).0. A good seller should have the following :ualities6
(*# $eveloping the work
(.# "ubmissive
(0# "ympathy
(2# All of these
(5# -one of these
).2. (ne of the following is a target for the marketing of internet banking6
(*# All the customers
(.# All the educated customers
(0# All the computer educated customers
(2# (nly creditors
(5# -one of these
).5. lanned cost service means6
(*# costly products
(.# e/tra profit on the same cost
(0# e/tra work by seller
(2# all of these
(5# -one of these
).7. 4ural marketing is not re:uired because6
(*# 4ural people do not understand marketing
(.# 't is not practical from the cost point of view
(0# 't is sheer wastage of time
(2# All of these
(5# -one of these
).7. 'n 1onsumer behavior Berception is a process through which6
23
(*# a consumer make ultimate purchasing
(.# a consumer is satisfied
(0# a consumerBs mind receives& organi%es and interprets physical time
(2# Both * and .
).9. "ale forecast implies6
(*# an estimate of the ma/imum possible sales opportunities present in a particular market
segment.
(.# an estimate of sales& in physical units& in a future period
(0# 8stimating the number of sales person re:uired to sell a product.
(2# Both * and .
(5# -either * nor .
).;. Advertising for............. is not allowed on T.<.
(*# Fi:uor
(.# 1igarettes
(0# Both * and .
(2# "oaps
(5# -one of these
).*=. 8ntrepreneurs find direct marketing attractive because of 6
(*# 'nvestment is low
(.# 't doesnBt re:uired speciali%ed skills
(0# 4eturns are :uick
(2# All of above
(5# -one of these
).**. The long term obDective of marketing is6
(.# rofit ma/imi%ation
(0# 1ost cutting
(2# rofit ma/imi%ation with customer satisfaction
(5# -one of these
).*.. +hich among the following is statistical indicator for e:uality in income distribution6
(*# 3ini 1oefficient
(.# rice 'ndices
(0# 3-
(2# 3$
(5# -one of these
).*0. "hort term planning focuses on6
(*# Functional plans
(.# Fong term obDective
(0# "pecific goal
(2# Both * ? 0
(5# -one of these
).*2. 'n marketing terms Attitude can best be defined as a 6
(*# 4ude behaviour of "alesperson
(.# 4ude behaviour of consumer
(0# !ental state of consumer
(2# 8go of the marketing e/ecutive
(5# -one of these
24
).*5. 4eference group influences <is6a6<is consumption decision is a function of the6666
(*# roduct 1ategory
(.# 3roup characteristics
(0# 3roup communication process
(2# All of these
(5# -one of these
).*7. Rust in time (R'T# techni:ue is getting wider acceptance world over. The techni:ue was first
introduced in6
(*# 'ndia
(.# America
(0# Rapan
(2# -one of these
(5# All of these
).*7. The level of commitment that consumers feel towards a given brand is called6
(*# Brand e:uity
(.# Brand -ame
(0# Brand loyalty
(2# -one of these
(5# All of these
).*9. Assigning specific Robs and work places to the selected candidates is known as6
(*# lacement
(.# 4ecruitment
(0# Transfer
(2# romotion
(5# All of these
).*;. As a 1ouncillor& a personnel manager6
(*# 4eminds the management of moral obligations towards employees.
(.# 8ncourages the employees.
(0# Tries to settle the disputes between labour ? management.
(2# All of these
(5# -one of these
)..=. 'nformation systems can assist manager by 6
(*# roviding information
(.# roviding data on internal sources
(0# $irecting
(5# -one of these
ANS!ERS:
*. (5# **. (2#
.. (2# *.. (*#
0. (2# *0. (2#
2. (0# *2. (0#
5. (.# *5. (2#
7. (5# *7. (0#
7. (0# *7. (0#
9. (2# *9. (*#
;. (.# *;. (.#
*=. (2# .=. (2#
25
'ist(r) *+ State Bank *+ In,ia-SBI.
'mperial Bank of 'ndia was created in Ran *;.*& by amalgamation of 0 presidency banks&Those
are
Bank of Bengal
Bank of Bombay
Bank of !adras
After natilnali%ation in *;55& the imperial Bank of 'ndia was named as "tate Bank of 'ndia ("B'#.
"B' has 7 subsidiaries& They are
"tate Bank of Cyderabad
"tate Bank of !ysore
"tate Bank of 'ndore
"tate Bank of atiala
"tate Bank of "aurastra
"tate Bank of Travancore
"tate Bank of Bikaner ? Raipur
All These were formed in *;5;
"tate Bank of "aurashtra and "tate Bank of 'ndore were merged with "B'. "tate Bank of 'ndore
merged on .7th August .=*= with "B'. "( the total no. of associate banks of "B' currently
working in the country is 5.
"B' is the largest commercial bank in 'ndia. "B' launched a new scheme MarivarthanN to attract
more customers by rendering better services.
3ovt of 'ndiaHs holding in "B' is reduced From 55T to 5*T.
"B' is to ac:uire 4upali Bank of Bangladesh and 3iro 1omercial Bank of Penya.
"B' launched a M1rore athi (nlyN branch in Cyderabad. The criterion to open an account is the
minimum opening balance of as one 1rore.
"B' and Bharathi Airtel entered into !(@ on *0th Ran .=** to from Doint venture to make
available banking services to the uncovered population of the country with 4s. *== 1r.
investment. This Doint venture will become business correspondent of "B'& 'n this & "B' has 5*T
state.
"B' has *07 foreign offices in 0. countries across the globe.
"B' has about .7&=== AT!s as on !arch .=**.
"B' group including associate banks has about 25&=== AT!s.
"B' has .*&5== branches including associate banks.
"B' has ;;&025 offices in 'ndia.
"B' is the first Bank to open its branch in 1hina. 3reen Banking 1hannel is started by "B'.
"B' is the first bank to work as 4egistrar for the M@ni:ue 'dentification Authority of 'ndiaN.
"B' is the .nd largest commercial Bank in the world in number of Branches (First is '1B1 of
1hina#.
Cead:uarters of "B' : !umbai
"tock 8/changes of "B' : !umbai& Polkata& 1hennai& Ahmedabad& $elhi& -ew Eork& Fondon.
1hairman : ratip 1haudhuri
26
4evenue : @"U 0..22 billion
rofit : @" U ..02 billion
Total e:uity : @" U *9.7* billion.
Total 8mployees : ...&;00 (by .=**#
).*. For effective marketing the salesmen should have which of these :ualities6
(*# 1reativity
(.# Team spirit
(0# !otivation
(2# 8ffective communication skill
(5# All of these
)... !arket 4esearch is needed for6
(*# $eciding the market area
(.# $eciding the right6product to be sold.
(0# !aking proper marketing decisions
(2# $eciding right time to sell
(5# All of these
).0. +hich of the following statement is true6
(*# !arketing makes the company to go into loss due to higher e/pense
(.# !arketing is not re:uired in profitmaking companies
(0# !arketing sharpens the mind of the employees
(2# !arketing is wastage of time.
(5# All of these
).2. !arketing plan helps in6
(*# Better lead generation
(.# Better systems
(0# Better results
(2# Better customer service
).5. !otivation means6
(*# 'nspiring employees to perform better
(.# Better communication skills
(0# "ales coaching
(2# !arket research
(5# -one of these
).7. 'n a !arketing process in todayBs world6
(*# (nly standard products are sold
(.# The seller needs to have product knowledge
(0# The seller should ensure customer satisfaction
(2# (nly :uantum of sales matters.
(5# All of these
).7. "ale forecasting involves6
(*# "ales planning
(.# sales pricing
27
(0# $istribution channel
(2# 1onsumer Tastes
(5# All of these
).9. 'n addition to product & price& promotion& the augmented marketing mi/ for services include
all of the following 8Q18TO
(*# eople
(.# ackaging
(0# rocess
(2# hysical evidence
(5# Both * and .
).;. $umping relates to the sale of6
(*# roducts in foreign markets that cannot be sold in the home market
(.# roducts discontinued in the home market sold to a foreign market
(0# roduction in foreign markets that cannot pass safety standards in the home market
(2# -one of these
(5# All of these
).*=. The following does not represent a market situation6
(*# A bank run dispensary located in its& staff :uarters.
(.# A fund raising charity show for the members of an -3(
(0# A meditation camp of a religious organi%ation concluded for its members.
(2# A stall distributing Pada rasad in a 3urudwara
(5# All of these
).**. The following offering is not a service6
(*# Fi/ed deposit receipt
(.# ostage stamp
(0# 'nsurance policy
(2# 3ift coupon of the chain store.
(5# All of these
).*.. The act of obtaining a desired obDect from some one by offering some in return is called as
a6
(*# Transaction
(.# 8/change
(0# 4elationship
(2# <alue
(5# -one of these
).*0. 666666666 is a group of related products that function in a similar manner& are sold to the same
customer groups and marketed through the same type of the outlets.
(*# 3roup
(.# roduct line
(0# 1ategory
(2# !arket
(5# -one of these
).*2. 3oods that are typically bought by consumer based on a comparison of suitability& :uality
price and style are called666666666666 goods6
(*# 'ndustrial
(.# "peciality
(0# "hopping
(2# 1onvenience
(5# -one of these
28
).*5. (ut of the following 666666 is not an obDective of pricing6
(*# rofit
(.# "tabili%ing demand an sales of the product
(0# 'mprovement in product :uality
(2# 8/pansion of business.
(5# All of these
).*7. (ut the following 6666666 is not the three level of the product6
(*# 1ore
(.# "ymbolic
(0# Augmented
(2# fragmented
(5# -one of these
).*7. (f the following pricing methods66666 is not for new product6
(*# !arket skimming
(.# enetration
(0# $iscriminatory pricing
(2# -one of these
).*9. 'n market skimming pricing strategy66666
(*# 'nitially price is lower then it is reduced
(.# 'nitially price is higher then it is reduced
(0# 'nitial price is high and is maintained high
(2# -one of these
(5# All of these
).*;. Bank of !athura is offering higher interest6ratio on fi/ed deposit to senior citi%ens of 7=
years and above6 't is practicing6
(*# romotional pricing
(.# sychological pricing
(0# "egmental pricing
(2# roduct mi/ pricing
(5# All of these
)..=. +ith6666 pricing& the products are priced below list price (or even cost# for a temporary
period to create buying urgency6
(*# 4eference
(.# By6product
(0# romotional
(2# !arket penetration
(5# All of these
Answers:
).*.(5# ).**.(2#
)...(5# ).*..(.#
).0.(0# ).*0.(.#
).2.(5# ).*2.(0#
).5.(*# ).*5.(2#
).7.(0# ).*7.(2#
).7.(5# ).*7.(*#
).9.(.# ).*9.(.#
29
).;.(.# ).*;.(0#
).*=.(2# )..=.(0#
).* A theory states that no matter how efficiently goods>service are produced& if they cannot be
delivered to the customer in the :uickest possible time it is vain6this theory is called6
(*# )uickest the best
(.# 'nstant service
(0# "ervice on time
(2# Timely effort
(5# !atter theory
).. $emonstration is an e/ercises to6
(*# attractively pack and display the goods
(.# rove the characteristic of the product
(0# Both * and .
(2# +indow shop
(5# -either * nor .
).0 'n selling S1onsumptionS is the ultimate goal of the sales while a marketer6
(*# 'dentifies consumer needs and wants.
(.# $evelop an appropriate product>service to attain customer satisfaction.
(0# Accomplish organi%ational goals through integrated marketing approach
(2# all of the above.
(5# -one of these
).2 B1asualB research is basically concerned with6
(*# 8stablishing cause and effort relationship
(.# Arriving at a forecast or prediction of interest.
(0# measuring and estimating the fre:uencies with which of things occur
(2# all of above
(5# -one of these
).5 A method in which brand e:uity is measured by comparing difference between the retail price
of the brand and the retail price of an unbranded product in same category is called6
(*# Brand goodwill method
(.# price premium method
(0# roduction method
(0# Both * and .
(2# -either * nor .
).7 Bank !arketing means6
(*# "elling of Banks
(.# !erger of Banks
(0# "elling bankBs products and services
(2# -one of these
(5# All of these
).7 1redit cards are used for6
(*# 1ash withdrawals
(.# urchase of air tickets
(0# urchase of consumable items from retail outlets
(2# all of these
(5# -one of these
30
).9 Come loans are granted to6
(*# 'ndividuals
(.# 'nstitutions
(0# Builders
(2# all of these
(5# -one of these
).; AT!s are6
(*# Branches of Banks
(.# !anned counters of Banks
(0# @nmanned cash dispensers
(2# All of these
(5# -one of these
).*= 4elationship selling means6
(*# reparing a list of relatives
(.# 1ross selling
(0# "elling to relatives
(2# "elling to strangers
(5# Telemarketing
).** roper pricing is needed for6
(*# 8/tra charges of e/tra services
(.# Fevy of <AT
(0# 3ood customer services
(2# utting burden on the customers
(5# $epositing money in bank.
).*. The abbreviation '" stands for6
(*# 'nternational "py roDect
(.# 'ndian "ocial lanning
(0# 'nitial "ervice rovider
(2# 'nternet "ervice rovider
(5# -one of these
).*0 8"( stand for6
(*# 8fficient "ervice of romises
(.# 8ffective "ystem of roDects
(0# 8mployee "tock (ption lan
(2# 8ssential "ecurity of roDect
(5# 8:uity "tock (ption lan
).*2 The balance sheet of an organi%ation gives information regarding6
(*# 4esult of operations for a particular eriod
(.# The financial position as on a particular date
(0# The operating efficiency of a firm.
(2# Financial position during a particular period
).*5 The advantage of telephone interview are6
(*# 4elatively low cost per interview
(.# 3ood for reaching important people who are inaccessible
(0# "ecuring 1o6operation which is not always possible
(2# All of these
(5# Both * ? .
31
).*7 The best advertisement is6
(*# 3low sign boards
(.# (n internet
(0# T< media
(2# rint media
(5# A satisfied 1ustomer
).*7 Acid Test of a brand is6
(*# Brand preference
(.# Brand awareness
(0# Brand loyalty
(2# Brand e:uity
(5# Band acceptability
).*9 'n banks loans and advances are considered as6
(*# Assets
(.# liabilities
(0# 4esources
(2# cause of e/penditure
(5# -one of these
).*; 'n the conte/t of globali%ation& B( means6
(*# British etroleum (rgani%ation
(.# British assport (ffice
(0# Business rocess (utsourcing
(2# Business rocess (rientation
)..= !odern method of marketing include6
(*# ublicity on the net
(.# Advertisement on the net
(0# "oliciting business through e6mails
(2# Both * and .
ANS!ERS:
*. (.# **. (0#
.. (.# *.. (2#
0. (2# *0. (0#
2. (*# *2. (.#
5. (.# *5. (5#
7. (0# *7. (5#
7. (2# *7. (0#
9. (*# *9. (*#
;. (0# *;. (0#
*=. (.# .=. (5#
/1. 4egulation that arise to ensure that firm takes responsibility for the social costs of their
products or production processes stem from which reason for government legislation of business6
(*# To protect companies from each other.
(.# To protect companies from unfair business practices.
(0# To protect the interests of the society.
(2# To businesses from unfair consumer demands.
(5# All of these
/2. The last stage in selling process6
32
(*# approach
(.# handling obDections
(0# closing
(2# follow up
(5# All of these
/3. The !aDor advantage of survey research is its6
(*# "implicity
(.# "tructure
(0# (rgani%ation
(2# fle/ibility
(5# All of these
/4. A 66666 is any activity or benefit offered for sale that is essentially intangible and does not
result in the ownership of anything.
(*# $emand
(.# Basic staple
(0# roduct
(2# "ervice
(5# All of these
/. 6666666 is a personBs distinguishing psychological characteristics that6lead to relatively
consistent and lasting responses his or her own environment6
(*# sychographics
(.# ersonality
(0# $emographics
(2# lifestyle.
(5# All of these
/". The plan in the business buying behaviour model where interpersonal and individual
influence might interact is called the6
(*# 8nvironment
(.# 4esponse
(0# "timuli
(2# Buying center
(5# All of these
/#. The course of a productBs sale and profit over its lifetime is called6
(*# The sales chart
(.# The dynamic growth curve.
(0# The adoption process
(2# The product life cycle.
(5# All of these
/$. All of the following are thought to be sources of new product ideas 8/cept6
(*# 'nternal "ources
(.# 1ustomers
(0# 1ompetitors
(2# Focal library
(5# All of these
/%. 'f Conda uses its company name to cover such different products as its automobiles lawn
mowers and motorcycles& it is practicing which of the following6
(*# -ew brand strategy
(.# Five e/tension strategy
(0# !ulti6brand strategy
33
(2# Brand e/tension strategy
(5# All of these
/1&. 'f a company (considering its options on the product>market e/pansion grid# chooses to
move in to different unrelated fields (from what it has ever done before# with new products as a
means to stimulate growth& the company would be following which of the following general
strategies.
(*# !arket6enetration
(.# !arket development
(0# roduct development
(2# $iversification
(5# All of these
/11. +hen the market research organi%ation chooses a segment of the population that
represents the population as a whole& they have chosen a6
(*# 3roup
(.# Bi6variant6population
(0# "ample
(2# !arket Target
(5# -one of these
/12. Roining with foreign companies to produce or market product and service is called6
(*# $irect e/porting
(.# 'ndirect e/porting
(0# Ficensing
(2# Roint6<enturing
(5# -one of these
/13. A 666 is a name& term& sign& symbol or design or a combination of these that identified the
market or seller of a product or service6
(*# roduct feature
(.# "ponsorship
(0# Brand
(2# Fogo
(5# -one of these
/14. The study of human population in terms of si%e& density& age& gender& race& occupation and
other statistics is called
(*# 3eothermy
(.# $emography
(0# 8thnography
(2# 3eography
(5# -one of these
/1. The process that turns marketing strategies and plans in to marketing action in order to
accomplish strategic marketing obDective is called6
(*# !arketing strategy
(.# !arketing 1ontrol
(0# !arketing analysis
(2# !arketing implementation
(5# -one of these
/1". 'f your company were to make a product6such as suit of clothes and sell that product your
company will come under which sector ,
(*# 4etailer
(.# Business
34
(0# 3overnment
(2# "ervice
(5# -one of these
/1#. 1ost that do not vary with production or sales level are called6
(*# fi/ed costs
(.# <ariable cost
(0# "tandard costs
(2# 'ndependent6costs
(5# -one of these
/1$. 1onsumer 'nformation source6
(*# ersonal source and commercial source
(.# ublic source
(0# e/periential source
(2# all of the above
(5# -one of these
/1%. Gero6based budgeting (GBB# means6
(*# A tool of marketing cost
(.# a tool for financial analysis
(0# each year& budgeting starts from a scratch.
(2# a certain percentage of sales
(5# both * ? ..
/2&. +hich of the following e/presses !aslowBs !otivation theory best6666
(*# 'mportance of !otivation for customer development
(.# +hy people are driven by particular need at particular times.
(0# +here human needs are arranged in a hierarchy.
(2# all of these
ANS!ERS:
*. (0# **. (0#
.. (2# *.. (2#
0. (2# *0. (0#
2. (2# *2. (.#
5. (.# *5. (2#
7. (2# *7. (.#
7. (2# *7. (*#
9. (0# *9. (2#
;. (2# *;. (0#
*=. (2# .=. (2#
).*. +arehouse !anagement does not include 6
(*# "pace determination
(.# "tock layout
(0# "tock design
(2# "tock placement
(5# (rder picking procedure
)... A marketing techni:ue where marketer plays a specific role in a particular segment is called
6
(*# !ass !arketing
(.# -iche marketing
(0# "trategic !arketing
35
(2# 1ommunication !arketing
(5# -one of these
).0. +hich among the following is not an e/ample of convenience goods,
(*# Tea
(.# -ewspaper
(0# 1offee
(2# "hirts
(5# -one of these
).2. 'n !arketing !i/ 2 Hs 'mply 6
(*# roduct& rice& lace& romotion
(.# roduct& rice& olicy& lace
(0# lace& eople& roduct& romotion
(5# -one of these
).5. 'n !arket segmentation which among the following is not an economic component6
(*# Age
(.# 3ender
(0# Both * and .
(2# 'ncome level
(5# Ta/es
).7. +hich among the following is a feature of good forecasting method 6
(*# Accuracy
(.# "implicity
(0# 8conomy
(2# Availability
(5# All of these
).7. A person who ultimately determines any part or whole of the buying decision is called6
(*# $ecider
(.# Buyer
(0# @ser
(2# 'nfluencer
(5# -one of these
).9. +hen a firm sells off part of its business to another it is called6
(*# $iversification
(.# $ivestment
(0# runing
(2# "trategy
(5# Roint venture
).;. Buyer 4esistance means 6
(*# Buyers fighting with the salesman
(.# 4eluctant salesman
(0# 'ndifferent "alesman
(2# Cesitant buyers
(5# -one of these
).*=. $igital Bank can be resorted through 6
(*# !obile phones
(.# 'nternal
(0# Telephones
36
(2# All of these
(5# -one of these
).**. 1ross selling is very effective in the sale of one of the following 6
(*# $ebit 6 1ard
(.# 1redit6 1ards
(0# 'nternal6 Banking
(2# Auto Foan
(5# All of these
).*.. Target market for debit card is 6
(*# All e/isting account holder
(.# All sales persons
(0# All -4'Hs
(2# All C-'Hs
(5# All of these
).*0. "!8 means 6
(*# "mall and medium enterprises
(.# "mall scale marketing entities
(0# "mall ? medium establishments
(2# -one of these
).*2. M(ut6sourcing means service rendered by 6
(*# (utside agencies
(.# (ther departments of the company
(0# 8mployees other than the sales person
(2# !arketing department
(5# -one of these
).*5. "ales promotion involves& the incorrect option6
(*# Building product awareness
(.# 1reating interest
(0# roviding 'ntonation
(2# $esigning new product
(5# -one of these
).*7. $"A !eans 6
(*# $istrict sales Authority
(.# $irect "elling Agent
(0# $istributor and "ales agent
(2# -one of these
(5# All of these
).*7. M1onversionN in sales language means 6
(*# 1onverting a buyer into a seller
(.# 1onverting a seller into a buyer
(0# 1onverting a prospect into customer
(2# All of these
(5# -one of these
).*9. Bank !arketing is treated as 6
(*# Transaction marketing
(.# "ervice marketing
(0# 'ndoor marketing
(2# all of these
37
(5# -one of these
).*;. Feads can be provided by 6
(*# friends relatives
(.# +ebsites
(0# $irectories
(2# All of these
(5# -one of these
)..=. !arketing is K Find the wrong option 6
(*# an ancient concept
(.# a modern concept
(0# a continuous affair
(2# a team effort
(5# -one of these
Answers:
).*.(5# ).**.(5#
)...(.# ).*..(*#
).0.(2# ).*0.(*#
).2.(*# ).*2.(*#
).5.(0# ).*5.(2#
).7.(5# ).*7.(.#
).7.(*# ).*9.(.#
).9.(.# ).*7.(0#
).;.(2# ).*;.(2#
).*=.(2# )..=.(*#
/1. 'n I$ouble6winH strategy6
(a# 1ustomer gets an additional benefit
(b# 1ustomer gets price debate.
(c# Both customs and the sales person come out with sense of satisfaction
(d# Both (a# and (b#
/2. 1onsumer behavior& Ierception is a process through which
(a# a consumer make ultimate purchasing
(b# a consumer is satisfied
(c# a consumerHs mind receives& organi%es and interprets physical stimuli
(d# Both (a# and (c#
/3. "ales forecast implies
(a# an estimate of the ma/imum possible sales opportunities present in a particular market
segment
(b# an estimate of sales& in physical units& in a future period
/4. 'n advertising for JJJJ is not allowed on T.<
(a# Fi:uor
(b# 1igarettes
/. A theory states that no matter how efficiently goods > services are produced& if they cannot be
38
delivered to the customer in the :uickest possible time it is vain. This theory is called
(a# )uickest the best
(b# 'nstant service
(c# "ervice on time
(d# Timely effort
/". 8ntrepreneurs find direct marketing the attractive because of
(a# 'nvestment is low
(b# 't doesnHt re:uired speciali%ed skills
(c# 4eturns are :uick
/#. $emonstration is an e/ercise to
(a# attractively pack and display the goods
(b# prove the characteristic of the product
(d# -either (a# and (b#
/$. +hich among the following is not an e/ample of $irect marketing ,
(a# tele6marketing
(b# sales on internet
(c# mail order sales
(d# 4etail stores
/%. 'n selling IconsumptionH is the ultimate goal of the salesman while a marketer K
(a# identify consumer needs
(b# develop an appropriate product > service to attain customer satisfaction
(c# accomplish organi%ational goals through integrated marketing approach
/1&. 'n Banking services& market can be segmented on the basis of
(a# density
(b# customers
/11. +hich of the following is not a Iost testingH Techni:ue of advertisement ,
(a# "ales test
(b# Focus group
(c# 8n:uiry test
(d# Attitude test
/12. I1asualH research is basically concerned with
(a# establishing cause and effect relationship
(b# arriving at a forecast or prediction of interest
(c# measuring and estimating the fre:uencies with which of things occur
(d# All of the above.
/13. A method& in which Brand e:uity is measured by comparing difference between the retail
price of the brand and the retail price of an unbranded product in the same category is called:
(a# Brand goodwill method
(b# rice premium method
/14. !edia planning includes:
39
(a# assessing lost
(b# selecting the right medium
(c# both (a# and (b#
/1. 'n 'ndia& which commission can be approached to curb misleading advertisements,
(a# !4T
(b# !T
(c# '"T
(d# )T
/1". 'n marketing IinitiatorH is a term which describes
(a# who determines that some need is not being met and authorities a purchase to rectify the
situation
(b# who most directly involved in the consumption of the product
/1#. +hat is the full form of F'1
(a# Fife 'nsurance 1orporation
(b# Fife 'nsurance 1ommission
(c# Fife 'ndia 1orporation
(d# -one of these
/1$. JJJJJ recently has raised its stake beyond *=T in a few blue chip companies even
after the insurance regulator '4$A decided to impose a cap of *=T on the institutionHs investment
in a single company.
(a# Fife 'nsurance 1orporation
(b# 3eneral 'nsurance 1orporation
(c# Tata6A'3 'nsurance
(d# -one of these
/1%. Fife 'nsurance 1orporation has made fresh investments in which of the following companies
in which the investor now holds more than *=T of their respective e:uity capital.
(a# "iemens
(b# T1 'ndia
(c# Tata ower
(d# 1ipla
(e# All of these
/2&. 4ATA- Tata has finally pulled out its -ano car proDect from JJJ. ending months of
speculations about the fate of the countryHs most awaited car.
(a# "ingur
(b# "alboni
(c# antnagar
(d# -one of these
/21. -ame 'ndiaHs largest company by market capitali%ation.
(a# 4eliance 'ndustries
(b# Tata "teel
(c# Rindal "teel
(d# -one of these
/22. The promoters of 4eliance 'ndustries (4'F# recently converted their *. crore warrants into
an e:ual number of shares hiking the promoterHs holding in the company to 2;T& with 5.T voting
rights. This involves an infusion of around JJJJ. into the company.
40
(a# 4s *5&*2. crore
(b# 4s *7&*2. crore
(c# 4s 5&*2. crore
(d# 4s *=&*2. crore
/23. "A consultancy A/on 3roup is based on which country ,
(a# @P
(b# 'ndia
(c# 3ermany
(d# 'taly
/24. +hich is "A consultancy A/on 3roup in the news recently ,
(a# "A consultancy A/on 3roup will recommend C1F TechnologiesH V22*.*6million buyout offer
to its shareholders& withdrawing its earlier recommendation of 'nfosysH V2=76million offer.
(b# "A consultancy A/on 3roup will open 5== training centres in Asia
(c# "A consultancy A/on 3roup will recommend buying of T1"
(d# -one of these
/2. '1'1' Bank& 18( and managing director P< Pamath is taking the help of JJJJJJJ.to
find his successor. The professor will obtain independent data regarding the leadership attributes
of the shorlisted senior management e/ecutives. -ame the professor
(a# rofessor +ayne Brockbank& a clinical professor of business at the @niversity of !ichiganHs
4oss "chool of Business
(b# $irector of ''!& Ahmedabad
(c# !inistry of Cuman 4esource& 3ovt of 'ndia
(d# A committee formed of rofessor from all ''Ts
A-"+84":
*. b **. d .*. a
.. c *.. a ... a
0. c *0. b .0. a
2. c *2. c .2. a
5. b *5. a .5. a
7. d *7. a
7. b *7. a
9. d *9. a
;. d *;. e
*=. c .=. a
BA-P'-3 A+A488"": $ifferent Types of Bank
Banks can be classified into various types on the basis of their functions& ownership& domicile&
etc. The following are the various types of banks:
1. 0(11er2ia3 Banks:
The banks& which perform all kinds of banking business and generally finance trade and
commerce& are called commercial banks. "ince their deposits are for a short period& these banks
normally advance short6term loans to the businessmen and traders and avoid medium6term and
long6term lending.
Cowever& recently& the commercial banks have also e/tended their areas of operation to medium6
term and long6term finance. !aDority of the commercial banks are in the public sector. Cowever&
there are certain private sector banks operating as Doint stock companies. Cence& the commercial
banks are also called Doint stock banks.
2. In,4stria3 Banks:
'ndustrial banks& also known as investment banks& mainly meet the medium6term and long6term
financial needs of the industries. "uch long6term needs cannot be met by the commercial banks&
which generally deal with short6term lending.
The main functions of the industrial banks are:
41
(a# They accept long6term deposits.
(b# They grant long6term loans to the industrialists to enable them to purchase land& construct
factory building& purchase heavy machinery& etc.
(c# They help selling or even underwrite the debentures and shares of industrial firms&
(d# They can also provide information regarding the general economic position of the economy.
3. Agri243t4ra3 Banks:
Agricultural credit needs are different from those of industry and trade. 'ndustrial and commercial
banks normally do not deal with agricultural finance. The agriculturists re:uire:
(a# short6term credit to buy seeds& fertili%ers and other inputs& and
(b# long6term credit to purchase land& to make permanent improvements on land& to purchase
agricultural machinery and e:uipment& etc. 'n 'ndia& agricultural finance is generally provided by
co6operative institutions. Agricultural co6operatives provide short6term loans and Fand
$evelopment Banks provide the long6term credit to the agriculturists.
4. E526ange Banks:
8/change banks deal in foreign e/change and specialise in financing foreign trade. They facilitate
international payments through the sale& purchase of bills of e/change& and thus play an
important role in promoting foreign trade.
. Sa7ing Banks:
The main purpose of saving banks is to promote saving habits among the general public and
mobilise their small savings. 'n 'ndia& postal saving banks do this Dob. They open accounts and
issue postal cash certificates.
". 0entra3 Bank:
1entral bank is the ape/ institution& which controls& regulates and supervises the monetary and
credit system of the country. 'mportant functions of the central bank are:
(a# 't has the monopoly of note issueO
(b# 't acts as the banker& agent and financial adviser to the stateO
(c# 't is the custodian of member banks reservesO
(d# 't is the custodian of nationBs reserves of international currencyO
(e# 't serves as the lender of the last resortO
(f# 't functions as the bank of central clearance& settlement and transferO and
(g# 't acts as the controller of credit. Besides these functions& 'ndiaBs central bank& i.e.& the
4eserve Bank of 'ndia& also performs many developmental functions to promote economic
development in the country.
#. 03assi+i2ati(n (n t6e Basis (+ *wners6i8:
(n the basis of ownership& banks can be classified into three categories:
-a. 94:3i2 Se2t(r Banks: These arc owned and controlled by the government. 'n 'ndia& the
nationali%ed banks and the regional rural banks come under these categories&
-:. 9ri7ate Se2t(r Banks: These banks are owned by the private individuals or corporations and
not by the government or co6operative societies&
-2. 0((8erati7e Banks: 1ooperative banks are operated on the cooperative lines. 'n 'ndia&
cooperaWtive credit institutions are organised under the cooperative societies law and play an
important role in meeting financial needs in the rural areas.
$. 03assi+i2ati(n (n t6e Basis (+ ;(1i2i3e:
(n the basis of domicile& the banks are divided into two categories:
-a. ;(1esti2 Banks: These are registered and incorporated within the country&
-:. <(reign Banks: These are foreign in origin and have their head offices in the country of
origin.
%. S26e,43e, an, N(n=S26e,43e, Banks:
'n 'ndia& banks have been broadly classified into scheduled and non6scheduled banks. A
"cheduled Bank is that which has been included in the "econd "chedule of the 4eserve Bank of
'ndia Act& *;02 and fulfills the two conditions:
(a# it has paid6up capital and reserves of at least 4s. 5 lakhs. 't ensures the 4eserve Bank that its
operations are not detrimental to the interest of the depositorsO
(b it is a corporation or a cooperative society and not a partnership or a single owner firm.
The banks which are not included in the "econd "chedule of the 4eserve Bank of 'ndia Act are
non6scheduled banks.
42
Banking Awareness: Fiscal 1liff
<is2a3 03i++: The phrase Sfiscal cliffS was first used by former Fed 1hairman Ben Bernanke to
refer to the combination of ta/ increases and spending cuts that would come into effect.
I18a2t (+ <is2a3 03i++:
A number of ta/ cuts& including Bush6era ta/ cuts& and unemployment benefits will e/pire almost
together at the year6end.
The result would be a drop in government spending and lower disposable incomes. These ta/
benefits and higher government spending had supported the economic recovery at a time when
private sector demand was low.
8/piry of ta/ benefits and lower government spending would help reduce the federal budget
deficit but could temporarily arrest economic recovery& possibly even driving the @" into a
recession during the first half of the ne/t year.
!6at ,(es it i183) +(r t6e rest (+ t6e w(r3,>
The current fiscal policy in the @" has raised concerns over the countryBs long term fiscal stability
and solvency. The increase in ta/es and lower government spending are part of the solution.
But if the ta/ increases and spending cuts are allowed& the resulting recessionary climate would
then cloud the prospects of even the fastest6growing economies& 1hina and 'ndia.
S( w6at is t6e a3ternati7e>
The two parties could arrive at a compromise before the elections start& which could calm
financial markets. But so far they havenBt shown any inclination to talkO probably both are waiting
to see who will have more negotiating leverage after the -ovember elections.
"B': The largest commercial Bank of 'ndia
$ear readers& 'n continuation in our Banking Awareness series today we are presenting you a
post on "B' ("tate Bank of 'ndia# the largest commercial bank of 'ndia. Cope you like the post.
State Bank (+ In,ia -SBI.& with a .== year history& is the largest commercial bank in 'ndia in
terms of assets& deposits& profits& branches& customers and employees.
The 3overnment of 'ndia is the single largest shareholder of this Fortune 5== entity with 7*.59T
ownership.
06air8ers(n: Ar4n,6ati B6atta26ar)a is the first female head of "B'. "he was born in
a Bengali Cindu Pulin Brahmin family in the city of Polkata .
Before being the 1hairperson& she held the posts of managing director and chief financial officer
at "B'. Arundhati became the .2th 1hairperson

of the bank by succeeding ratip 1haudhuri who
retired on 0= "eptember .=*0.
The head:uarter of "B' is in M41:ai? In,ia.
'ist(r): The origins of "tate Bank of 'ndia date back to *9=7 when the Bank of 1alcutta (later
called the Bank of Bengal# was established.
In 1%21? t6e Bank (+ Benga3 and two other banks (Bank of !adras and Bank of Bombay# were
merged to form the 'mperial Bank of 'ndia.
In 1%? t6e Reser7e Bank (+ In,ia a2@4ire, the controlling interests of the 'mperial Bank of
'ndia and "B' was created by an act of arliament to succeed the 'mperial Bank of 'ndia.
'n *;5;& the government passed the "tate Bank of 'ndia ("ubsidiary Banks# Act& which made 9
state banks associates of "B'.
'n *;70& State Bank (+ Bikaner an, State Bank (+ Aai84r were merged to form "tate Bank of
Bikaner ? Raipur ("BBR#.
43
'n *0 "eptember .==9& State Bank (+ Sa4ras6tra merged with the parent bank 6 "B'.
'n .=*=& State Bank (+ In,(re was merged with K "B'.
-ow currently "B' group consists of "B' and 5 associate banks.
1. "tate Bank of Bikaner ? Raipur
2. "tate Bank of Cyderabad
3. "tate Bank of !ysore
4. "tate Bank of atiala
. "tate Bank of Travancore
"B' has .7&===X AT!s and "B' group (including associate banks# has 0.&75. AT!s.

"B' has become the first bank to install an AT! at ;rass in t6e Aa114 B Kas61ir
Kargi3 region. This was the BankBs .7&=0.nd AT! on .7 Ruly .=*..
L*G* an, S3(gan: The logo of the "tate Bank of 'ndia is a blue circle with a small cut in the
bottom that depicts perfection and the small man the common man 6 being the center of the
bankBs business.
C!IT' Y*U ALL T'E !AYD
The logo came from -ational 'nstitute of $esign (-'$#& Ahmedabad and it was inspired
by Kankaria Lake& Ahmedabad
N(te: Kankaria Lake is one of the biggest lakes in Ahmedabad& 3uDarat. A lakefront was
developed around it& which has many public attractions such as a %oo& toy train& kids city& tethered
balloon ride& water rides& water park& food stalls& and entertainment facilities.
S3(gan (+ SBI: S3(gans:
1. S+ith you 6 all the wayS&
2. Sure banking&
3. -othing elseS&
4. SA bank of the common manS&
. EThe banker to every indianS&
". SThe nation banks on usS
"ome of the maDor competitors for "B' in the banking sector are A/is Bank& '1'1' Bank& C$F1
Bank& unDab -ational Bank& Bank of Baroda& 1anara Bank and Bank of 'ndia. Cowever in terms
of average market share& "B' is by far the largest player in the market
The group has an e/tensive network& with over .=&=== plus branches in 'ndia and another *97
offices in 02 countries across the world. As of 0*st !arch .=*0& the group had assets worth @"$
0;. billion& deposits of @"$ .;; billion and capital ? reserves in e/cess of @"$ .0.=0 billion. The
group commands over .0T share of the domestic 'ndian banking market.
N(n=:anking s4:si,iaries
Apart from its five associate banks& "B' also has the following non6banking subsidiaries:
1. "B' 1apital !arkets Ftd
2. "B' Funds !anagement vt Ftd
3. "B' Factors ? 1ommercial "ervices vt Ftd
4. "B' 1ards ? ayments "ervices vt. Ftd. ("B'1"F#
. "B' $FC' Ftd
". "B' Fife 'nsurance 1ompany Fimited
44
#. "B' 3eneral 'nsurance
"B' and its five subsidiaries control over one6fifth of the nationHs banking assets and is the 77th
largest bank in the world.
Banking Awareness: Bitcoins
!6at is Bit2(in>
Bitcoin is a distributed peer6to6peer digital currency that can be transferred instantly and securely
between any two people in the world. 'tBs like electronic cash that you can use to pay friends or
merchants.
!6( 2reate, :it2(ins>
According to various newspaper article& a 726year6old Rapanese6American physicist "atoshi
-akamoto is speculated as the creater of Bitcoin.
!6at are :it2(ins>
Bitcoins are the unit of currency of the Bitcoin system. A commonly used shorthand for this is
MBT1N to refer to a price or amount (e.g. M*== BT1N#. There are such things as physical bitcoins&
but ultimately& a bitcoin is Dust a number associated with a Bitcoin Address. A physical bitcoin is
simply an obDect& such as a coin& with the number carefully embedded inside. "ee also an easy
intro to Bitcoin.
'(w 2an I get :it2(ins>
The entire bitcoins currency is generated by algorithms& it is very easy to make sure that once the
.* million mark is reached there are no more bitcoins to be issued. Bitcoins& their issue and their
ma/imum circulation have been predetermined from the beginning and therein lies its innate
value.
Eou can obtain Bitcoins by purchasing them from someone else using regular currency or by
earning them through a system called Bitcoin !ining. Bitcoins are stored in Bitcoin wallets which
also manage addresses from which you can send and receive payments. -ew and different
addresses can be generated for different transactions and can be done as many times as
re:uired.
'(w ,(es it w(rk>
As a new user& you can get started with Bitcoin without understanding the technical details. (nce
you have installed a Bitcoin wallet on your computer or mobile phone& it will generate your first
Bitcoin address and you can create more whenever you need one. Eou can disclose your
addresses to your friends so that they can pay you or vice versa. 'n fact& this is pretty similar to
how email works& e/cept that Bitcoin addresses should only be used once.
Ba3an2es = :3(2k 26ains = The block chain is a shared public ledger on which the entire Bitcoin
network relies. All confirmed transactions are included in the block chain. This way& Bitcoin
wallets can calculate their spendable balance and new transactions can be verified to be
spending bitcoins that are actually owned by the spender. The integrity and the chronological
order of the block chain are enforced with cryptography.
Transa2ti(ns = 8ri7ate ke)s = A transaction is a transfer of value between Bitcoin wallets that
gets included in the block chain. Bitcoin wallets keep a secret piece of data called a private key or
seed& which is used to sign transactions& providing a mathematical proof that they have come
from the owner of the wallet. The signature also prevents the transaction from being altered by
anybody once it has been issued. All transactions are broadcast between users and usually begin
to be confirmed by the network in the following *= minutes& through a process called mining.
9r(2essing = 1ining = !ining is a distributed consensus system that is used to confirm waiting
transactions by including them in the block chain. 't enforces a chronological order in the block
chain& protects the neutrality of the network& and allows different computers to agree on the state
45
of the system. To be confirmed& transactions must be packed in a block that fits very strict
cryptographic rules that will be verified by the network. These rules prevent previous blocks from
being modified because doing so would invalidate all following blocks. !ining also creates the
e:uivalent of a competitive lottery that prevents any individual from easily adding new blocks
consecutively in the block chain. This way& no individuals can control what is included in the block
chain or replace parts of the block chain to roll back their own spends.
'(w ,( we ,( :4siness> Using :it2(insF
Eou offer to pay me for my services via bitcoins and ' accept the same. +hy bitcoins, Because
bitcoins are anonymous and are not traceable by anyone. They are the perfect way for people to
do business with each other without revealing identities. They donBt leave any digital footprints like
credit card records& bank transactions& etc.
"o letBs say that we agree to a BdealB and you agree to send me bitcoins in advance to pay me for
my Dob. ' set the price at 0 bitcoins for my work. The current rate is about 4s 09&=== per bitcoin.
"o& you are paying me about 4s *.*5 lakh for this covert operation.
!6) are :it2(ins s( 7a34a:3e>
The absolute brilliance of bitcoins is that only .* million bitcoins will ever be made available in the
market. ("o far *0 million are in circulation and 9 million more will be gradually released into the
system by the end of .*2=#. 3iven that the entire bitcoins currency is generated by algorithms& it
is very easy to make sure that once the .* million mark is reached there are no more bitcoins to
be issued.
;(es Bit2(in g4arantee an in+345 (+ +ree 1(ne)>
"ince Bitcoin is a new technology& what it is and how it works may be initially unclear. Bitcoin is
sometimes presented as being one of three things:
A. "ome sort of online Bget6rich6:uickB scam.
B. A loophole in the market economy& the installation of which guarantees a steady influ/ of cash.
1. A sure investment that will almost certainly yield a profit.
'n fact& none of the above is true.
Is Bit2(in a Gget=ri26=@4i2kG s26e1e>
'f youBve spent much time on the 'nternet& youBve probably seen ads for many Bget6rich6:uickB
schemes. These ads usually promise huge profits for small amounts of easy work. Bitcoin is in no
way similar to these schemes. Bitcoin doesnBt promise windfall profits. There is no way for the
developers to make money from your involvement or to take money from you. Bitcoin is an
e/perimental& virtual currency that may succeed or may fail.
As an in7est1ent? is Bit2(in a s4re t6ing>
Bitcoin is a new and interesting electronic currency& the value of which is not backed by any
single government or organi%ation. Fike other currencies& it is worth something partly because
people are willing to trade it for goods and services. 'ts e/change rate fluctuates continuously&
and sometimes wildly. 't lacks wide acceptance and is vulnerable to manipulation by parties with
modest funding. Anyone who puts money into Bitcoin should understand the risk they are taking
and consider it a high6risk currency.
'(w are new :it2(ins 2reate,>
-ew bitcoins are generated by the network through the process of SminingS. 'n a process that is
similar to a continuous raffle draw& mining nodes on the network are awarded bitcoins each time
they find the solution to a certain mathematical problem (and thereby create a new block#.
1reating a block is a proof of work with a difficulty that varies with the overall strength of the
network. The reward for solving a block is automatically adDusted so that& ideally& every four years
of operation of the Bitcoin network& half the amount of bitcoins created in the prior 2 years are
created.
46
Blocks are mined every *= minutes& on average and for the first four years (.*=&=== blocks# each
block included 5= new bitcoins. As the amount of processing power directed at mining changes&
the difficulty of creating new bitcoins changes.
Is Bit2(in a 9(nHi s26e1e>
'n a on%i "cheme& the founders persuade investors that theyHll profit. Bitcoin does not make
such a guarantee. There is no central entity& Dust individuals building an economy.
A pon%i scheme is a %ero sum game. 8arly adopters can only profit at the e/pense of late
adopters. Bitcoin has possible win6win outcomes. 8arly adopters profit from the rise in value. Fate
adopters& and indeed& society as a whole& benefit from the usefulness of a stable& fast&
ine/pensive& and widely accepted p.p currency.
<a2ts a:(4t Bit2(in
6 Bitcoin is a real currency that fluctuates in price and which can be e/changed to conduct real
business.
6 The business of transacting bitcoins and earning bitcoins in return is really the nerve centre of
this esoteric currency& and this is what makes it uni:ue.
6 Bitcoin is a work of not one but many geniuses. "atoshi -akamoto may have been the chief
blueprint architect whose master design many other super clever architects used to build on.
6 Bitcoins will get harder and harder to earn. Cence they will only keep growing in value as the
years roll by.
6 Bitcoin is vulnerable despite being proclaimed as a digital currency with a permanent trace. But
its theft only points to the fact that it is potentially very valuable.
6 Bitcoin is here to stay. 't may have its share of troubles& but its acceptability is growing leaps
and bounds.
!oney and Banking Terminology
1. ATM
Meaning: Abbreviation of Automated Teller !achine: a machine& usually in a wall outside a bank&
from which you can take money out of your bank account using a special card.
2. Bank :a3an2e Meaning: The amount of money in a bank account.
E5a183e: 'Bd like to check my bank balance& please.
3. Bank state1ent Meaning: A printed record of the money put into and removed from a bank
account
4. B(4n2e
Meaning: when a check cannot be paid or accepted by a bank because of a lack of money in the
account:
E5a183e: ' had to pay a penalty fee when my check bounced.
. 0as6
Meaning: (noun# money in the form of notes and coins& rather than checks or credit cards:
E5a183e: $o you have any cash on you,
". 0as6 a 26e2kI06e@4e
Meaning: (verb# to e/change a check for cash:
E5a183e: +ould you cash a check for me,
#. 06e2k:((k -US. I 06e@4e:((k -UK.
Meaning: a book of checks > che:ues with your name printed on them which is given to you by
your bank to make payments with.
$. 06e2k -US. I 06e@4e -UK.
Meaning: a printed form& used instead of money& to make payments from your bank account:
E5a183e: ' wrote him a check for U*==.
47
%. 0re,it
*. !oney in your bank account.
E5a183e: ' was relieved to see from my statement that my account was in credit
.. A method of paying for goods or services at a later time& usually paying interest as well as the
original money.
E5a183e: They decided to buy the car on credit.
1&. 0re,it 2ar,
Meaning: a small plastic card which can be used as a method of payment& the money being
taken from you at a later time.
11. 06e2king a22(4nt -US. I 04rrent a22(4nt -UK.
Meaning: a bank account that you can take money from at any time and which usually earns little
or no interest.
12. ;e:it
Meaning: (a record of# money taken out of a bank account.
The account was in debit at the end of the month (Y more money had been spent than was in the
account at that time#.
13. ;e:t
Meaning: money& which is owed to someone else& or the state of owing something:
E5a183e: Ce managed to pay off his debts in two years.
E5a183e: The firm ran up huge debts.
14. ;e8(sit -US. I 8a) in -UK.
Meaning: to put money into a bank account.
E5a183e: 'f you go to the bank& will you deposit these checks for me,
1. ;ire2t ,e:it
Meaning: an arrangement for making payments& usually to an organi%ation& in which your bank
moves money from your account into the organi%ationBs account at regular times:
E5a183e: ' pay my electricity bill by direct debit.
1". E58ense
Meaning: when you spend or use money.
E5a183e: Buying a bigger car has proved to be well worth the e/pense.E5a183e: +eBve Dust had
a new garage built at great e/pense.
1#. Ins4ran2e
Meaning: an agreement in which you pay a company money and they pay your costs if you have
an accident& inDury& etc:
E5a183e: life>health>car>travel insurance
1$. Interest
*. money which is charged by a bank or other financial organi%ation for borrowing money.
E5a183e: ' got a loan with an interest rate of *=T.
.. money that you earn from keeping your money in an account in a bank or other financial
organi%ation.
E5a183e: Eou should put the money in a savings account where it will earn interest.
1%. L(an
Meaning: a sum of money which is borrowed& often from a bank& and has to be paid back&
usually together with an additional amount of money that you have to pay as a charge for
borrowing.
48
E5a183e: "heBs trying to get a U*== === loan to start her own business.
2&. 9a)ee
Meaning: a person who money is paid to or should be paid to.
21. Sa7ings a22(4nt -US. I ,e8(sit a22(4nt -UK.
Meaning: a bank account in which you usually leave money for a long time and which pays you
interest.
22. Stan,ing a22(4nt -UK.
Meaning:an instruction to a bank to pay a particular amount of money at regular times from a
personBs bank account to another bank account (compare ,ire2t ,e:it#
23. Ta5
Meaning: (an amount of# money paid to the government& which is based on your income or of the
cost of goods or services you have bought:
E5a183e: TheyBre putting up the ta/ on cigarettes.
24. Tra7e3erGs 26e2k
Meaning: a piece of paper that you buy from a bank or a travel company and that you can use as
money or e/change for the local money of the country you visit
2. !it6,raw
Meaning: to take money out of a bank account.
Trend of 'nternet Banking
$ear readers& here we are presenting an article on 'nternet Banking. As 'nternet Banking service
is provided by every Banks and has common activity and also plays an important role in our
daily life.
Internet Banking: Banking is one of the oldest professions known to mankind. 't has undergone
many a transition and internet banking is the latest in the list of such transformations.
'nternet banking has brought about a 07= degree change in the entire banking industry. "uch is
the change in scenario that timing is no longer a constraint and you can finish your day6today
chores and bank leisurely when you have the time. This method has also made shopping and bill
payment very easy and convenient. Fong :ueues for these activities have now become history.
<4n2ti(ns (+ internet :anking:=
1. An access to account data: 'nternet banking systems help customers in acting as a medium
through which data related to their accounts (like transaction details& balance en:uiry& status of
particular transaction etc# can be accessed from any point where internet facility is available. This
can be further e/tended to gathering of information related to credit card balances& bill payment
date etc.
2. A mode of operational interaction: erhaps one of the popular functions of internet banking is
that it can transfer funds. This includes transfer of money from a customerHs account to another
personHs account in a different or same bank& payment of utility bills (telephone& gas& electricity
etc# or any other transfer where the bank has channels with the point where the money is
supposed to reach. These operations re:uire instructions from the account holder and this
instruction or re:uest can be made through internet.
Se24rit) an, (8erati(n:=
(ne of the maDor concerns of people with respect to internet banking is the safety related to data
of bank account& transactional information and also the access path (account number& '- etc# of
their accounts. There are set of regulations laid down by 4eserve Bank of 'ndia& that guide banks
on the security aspects of internet banking.
The banks are bound to maintain certain security policies related to internet banking that are
approved by the managing directors of the bank. Further there are specifications related to use of
updated technology for banking sites and also the network and data base is to be administered
49
and tested on regular intervals by a separate department of a bank that works on these maDor
aspects.
There will be a uni:ue user '$ and password provided to individual accounts of a customer and
the web page where these details of an account are to be updated will generally be secured.
Trans+er (+ +4n, is ,(ne t6r(4g6 tw( :asi2 1(,es:
1. Rea3 Ti1e Gr(ss Sett3e1ent is a mode where the transaction to an account takes place more
spontaneously (:uickly#. There are certain minimum limits (4s . lakh# above which this mode of
transaction can be used.
2. Nati(na3 E3e2tr(ni2 <4n,s Trans+er -NE<T. and this mode of transaction takes place in
batches (batch of transactions say 2 or 5# in specified regular intervals of time.
Bene+its (+ Internet :anking:
Businesses rely on efficient and rapid access to banking information for cash flow reviews&
auditing and daily financial transaction processing. 86banking offers ease of access& secure
transactions and .26hour banking options.
From small start6up companies to more established entities& small businesses rely on e6banking
to eliminate runs to the bank and to make financial decisions with updated information. 'n an
information6driven business climate&
Risks In7(37e, in internet :anking:=
There are many threats that deter a person from using internet banking. These threats are also
being faced by banking channels of developed countries. The names of such threats include
hishing& viruses& theft of user identity and password through other means etc. There are few
basic points a customer has to remember when it comes to use of internet banking facility.
Z The net banking facility should be availed from personal computer only and not at cyber
centers or any other places.
Z The address of the site of the bank should be noted by the customer and it is good to type the
address of site instead of reaching the site through other links.
Z 't is good to provide relevant details of the user '$ and password only in relevant pages of
banking site.
1. T6e 2entra3 :anking +4n2ti(ns in In,ia are 8er+(r1e, :) t6e
I. 0entra3 Bank (+ In,ia
II. Reser7e Bank (+ In,ia
III. State Bank (+ In,ia
IJ. 94nKa: Nati(na3 Bank
A. I? II
B. II
0. I
;. II? III
2. ;e7e3(81ent e58en,it4re (+ t6e 0entra3 g(7ern1ent ,(es n(t in234,e
A. ,e+en2e e58en,it4re
B. e58en,it4re (n e2(n(1i2 ser7i2es
0. e58en,it4re (n s(2ia3 an, 2(114nit) ser7i2es
;. grant t( states
3. I0I0I is t6e na1e (+ a
A. 26e1i2a3 in,4str)
B. :4rea4
0. 2(r8(rati(n
;. +inan2ia3 instit4ti(n
4. Gi3t=e,ge, 1arket 1eans
A. :433i(n 1arket
50
B. 1arket (+ g(7ern1ent se24rities
0. 1arket (+ g4ns
;. 1arket (+ 84re 1eta3s
. In t6e 3ast (ne ,e2a,e? w6i26 (ne a1(ng t6e +(33(wing se2t(rs 6as attra2te, t6e
6ig6est +(reign ,ire2t in7est1ent in+3(ws int( In,ia>
A. 06e1i2a3s (t6er t6an +erti3iHers
B. Ser7i2es se2t(r
0. <((, 8r(2essing
;. Te3e2(114ni2ati(n
". ;e7a34ati(n (+ a 24rren2) 1eans
A. re,42ti(n in t6e 7a34e (+ a 24rren2) 7is=a=7is 1aK(r internati(na33) tra,e,
24rren2ies
B. 8er1itting t6e 24rren2) t( seek its w(rt6 in t6e internati(na3 1arket
0. +i5ing t6e 7a34e (+ t6e 24rren2) in 2(nK4n2ti(n wit6 t6e 1(7e1ent in t6e 7a34e (+
a :asket (+ 8re=,eter1ine, 24rren2ies
;. +i5ing t6e 7a34e (+ 24rren2) in 143ti3atera3 2(ns43tati(n wit6 t6e IM<? t6e !(r3,
Bank an, 1aK(r tra,ing 8artners
#. In t6e se2(n, nati(na3iHati(n (+ 2(11er2ia3 :anks? LLL :anks were nati(na3iHe,.
A. 4
B.
0. "
;. $
$. Sin2e in,e8en,en2e? :(t6 ,e7e3(81ent an, n(n=,e7e3(81ent e58en,it4res
6a7e in2rease,M t6e in2rease in t6e +(r1er :eing a 3itt3e 1(re t6an in t6e (t6er.
N(n=,e7e3(81ent e58en,it4re in7(37es
I. interest 8a)1ents
II. s4:si,ies
III. ,e+en2e
IJ. irrigati(n
A. I? II
B. I
0. I? II? III
;. II? III? IJ
%. ;e8re2iati(n 1eans
A. 23(s4re (+ a 83ant ,4e t( 3(2k (4t
B. 23(s4re (+ a 83ant ,4e t( 3a:(4r tr(4:3e
0. 3(ss (+ e@4i81ent (7er ti1e ,4e t( wear an, tear
;. ,estr42ti(n (+ a 83ant in a +ire a22i,ent
1&. ;e+i2it +inan2ing 3ea,s t( in+3ati(n in genera3? :4t it 2an :e 26e2ke, i+
A. g(7ern1ent e58en,it4re 3ea,s t( in2rease in t6e aggregate s4883) in rati(
(+ aggregate ,e1an,
B. (n3) aggregate ,e1an, is in2rease,
0. a33 t6e e58en,it4re is ,en(te, nati(na3 ,e:t 8a)1ent (n3)
;. A33 (+ t6e a:(7e
ANS!ERS:
1.B
2.A
3.;
51
4.B
.;
".A
#.0
$.0
%.0
1&.;
3eneral Awareness )ui%
*. An account holder draws a che:ue on a,
a# Banker of the ayee
b# Banker of the $rawee
c# Banker of the $rawer
d# Banker of the 8ndorsee
.. The Bank should comply and intimate the compliance of Award to (mbudsman,
a# +ithin Two !onths
b# +ithin 0 months
c# +ithin one month
d# +ithin one year
e# -one
0. 1apital ade:uacy is worked out based on,
a# Total demand and time liabi6lities
b# -et demand and time assets
c# 4isk weighted assets
d# 4isk weighted liabilities
2. "tatutory Fi:uidity 4atio ("F4# can be maintained in the follow ing ways,
a# 1ash
b# 3old
c# @nencumbered approved se6 curities
d# All of these
5. +hat was the deposits criteria of *2 Banks nationali%ed on *;th Ruly *;7;,
a# 4s.*=== 1rore
b# 4s. 5== 1rore
c# 4s. *== 1rore
d# 4s. 5= 1rore
7. +hat are the features of sele6ctive credit control,
a# They distinguish between ess6 ential and non6essential uses of Bank credit
b# (nly non6essential uses are brought under the scope of 1redit Bank controls
c# They effect not only the lenders but also the borrowers
d# All the above
7. +hich of the following are the targets for different categories of priority sector,
a# (verall target 2=T of net Bank credit
b# Agriculture loans (direct and indirect# *9T
c# riority sector target for foreign Banks is 0.T
d# All the above
52
9. Benefits in core Banking is ,
a# 4eliable centralised data recovery
b# $ata warehousing and data mining technologies
c# 'ntegrated customer centric services
d# -one
e# All the above
;. 1he:ue truncation can be done by,
a# @sing !'14 data
b# "ending che:ue by speed post
c# @sing image processing
d# A?1
*=.Bank rate is decided by,
a# 'ndian bank association
b# 'ndividual commercial bank
c# Finance ministry
d# Any one of the above can decide
**. +hat is nomination,
a# A facility given to depositors by the 3overnment
b# 't confers a right to the nomi6nee to receive payment of a deposit after death of de6 positors
c# 't is a process of appointing legal heir by the depositors
d# 't is a part of will on behalf of a depositor
*.. BF"6 Board for Financial "upervision constituted in *;;2 by 4B' to undertake consoli6dated
supervision of,
a# 1ommercial Banks
b# Financial 'nstitutions
c# -on Banking Finance 1ompanies
d# -one of the above
e# All the above
*0. B(ne Family one BankB is the tagline of which Bank,
a# Bank of 'ndia
b# 'ndian Bank
c# Bank of !aharastra
d# @nion Bank of 'ndia
*2. 4esearch 'nstitutions set up by 4eserve Bank of 'ndia are,
a# '$4BT ('nstitute for $eve6 lopment and 4esearch in Ban6 king Technology#& Cyderabad
b# '3'$4('ndira 3andhi 'nsti6 tute of $evelopment 4esea6rch#& !umbai
c# -'B! (-ational 'nstitute of Bank !anagement#& une
d# (nly a ? b
e# All the above
*5.+ho is the 1hairman of the Technical 1ommittee formed to make a study on improve6 ment in
!obile Banking:
a# Bimal Ralan
b# 4ahuram 4aDan
c# B "ambamurthy
53
d# ulak Pumar "inha
A-"+84:
*# c
.# c
0# c
2# d
5# d
7# d
7# d
9# e
;# d
*=# e
**# b
*.# e
*0# c
*2# e
*5# c
1. Full form of 1T"= 1he:ue Truncation "ystem
2. +ho won the Best Actress award in 95th Academy Awards K Rennifer Fawrence
3. andit 4avi "hankar 4eceived which award after his death6 3rammy
4. +hat are memory of computer 64A! and 4(!
. +hat do you mean by I To close a callH 6
". 'n !id )uarter olicy 4eview 4eserve Bank of 'ndia changed which rate, 4epo and 4eserve
4epo
#. 8!< stands for K 8uroay& !aster& <isa
$. +hat is the feature which often prompt in ms office to offer help K office assistant
%. +hat is the Tenure of *.th five year plan in 'ndia, K .=*.6.=*7
1&. Australia won the +omenHs cricket world cup by defeating which country, K +est 'ndies
11. Former governor of 4eserve Bank of 'ndia E < 4eddy recently appointed as the chairman of , K
*2th Finance commission.
12. <argheese Purien is associated with K +hite 4evolution.
13. (n February .9& .=*0 Finance !inister . 1hidambaram presented @nion Budget in arliament
where he allotted what amount to set up 'ndiaHs first all woman bank, K *===1r
14. +ho is present 1hina premier 6 Qi Rinping
1. +hat is the full of AA in 3AA4 6 3eneral Anti Avoidance 4ules
1". "peaker in a computer is used to K (utput "ound and !usic.
1#. +hat is the mission of R--@4!
54
1$. +ho is the present !anaging $irector (!$# of 'nternational !onetary Fund ('!F# ,
1%. TATA is now associated with which airlines, K Air Asia
2&. Fimited liability partnership (FF# consist of how many partners.,
21. 'ncome deduction limit under article 9=c of 'T act on investment
22. PE1 Forms used for K Pnow Eour 1ustomer
23. Two types of budget plans& one given planned budget and asking for other plan K -on6lan
e/penditure budget
24. +hat is market penetration,
2. +hat is the meaning of Fead,
2". 'n @nion Budget .=*0& ta/ credit of 4s .=== given to an individual who has an income up to K 5
lakh
2#. +hat is the cross selling means, K "elling additional products and services to an e/isting
customer
2$. Target group for savings account K Any 'ndividual
2%. +hat is file in 1omputer K A 1omputer File is a resource for storing information
3&. +hat is used in optical mouse K Fight
31. According to the guideline issued by 4B' for new banks& the new private sector banks to get
banking licence shall open how much of itHs branch in un6banked rural areas, K .5T
32. +hat is 4everse 4epo 4ate,
33. According to the guideline issued by 4B' for new banks& the new private sector banks to get
banking licence shall maintain minimum capital ade:uacy ratio,
34. +hat is 1aptive !arketing
3. Target 3roup for ersonal Foan
4ead more: http:>>www.bankersadda.com>.=*2>=2>sbi6po6.=*06gkcomputer6
marketing.html[i/%%.yFyek.<
4ead more: http:>>www.bankersadda.com>.=*2>=0>general6awareness6:ui%.html[i/%%./REG3t<R
/s. 1onsider the following with respect to different liabilities of a bank:
(A# $emand $rafts ($$s#
(B# (utstanding Telegraphic Transfers (TTs#
(1# @nclaimed deposits
+hich of the above is>are categori%ed as the $emand Fiabilities of a bank,
(*# (nly A (.# (nly A ? 1
55
(0# (nly A& 1 ? $ (2# All the above
(5# -one of these
Ans is 4. A33 the above
SBI: India's largest Commercial Bank
$ear readers& we are presenting you a post on "B' ("tate Bank of 'ndia# the largest commercial
bank of 'ndia. +hich will give you insight about "B'.
State Bank (+ In,ia -SBI.& with a .== year history& is the largest commercial bank in 'ndia in
terms of assets& deposits& profits& branches& customers and employees.
The 3overnment of 'ndia is the single largest shareholder of this Fortune 5== entity with 7*.59T
ownership.
06air8ers(n: Ar4n,6ati B6atta26ar)a is the first female head of "B'. "he was born in
a Bengali Cindu Pulin Brahmin family in the city of Polkata .
Before being the 1hairperson& she held the posts of managing director and chief financial officer
at "B'. Arundhati became the .2th 1hairperson

of the bank by succeeding ratip 1haudhuri who
retired 0= "ep .=*0.
The head:uarter of "B' is in M41:ai? In,ia.
The origins of "tate Bank of 'ndia date back to *9=7 when the Bank of 1alcutta (later called the
Bank of Bengal# was established.
In 1%21? t6e Bank (+ Benga3 and two other banks (Bank of !adras and Bank of Bombay# were
merged to form the 'mperial Bank of 'ndia.
In 1%? t6e Reser7e Bank (+ In,ia a2@4ire, the controlling interests of the 'mperial Bank of
'ndia and "B' was created by an act of arliament to succeed the 'mperial Bank of 'ndia.
'n *;5;& the government passed the "tate Bank of 'ndia ("ubsidiary Banks# Act& which made 9
state banks associates of "B'.
'n *;70& State Bank (+ Bikaner an, State Bank (+ Aai84r were merged to form "tate Bank of
Bikaner ? Raipur ("BBR#.
'n *0 "eptember .==9& State Bank (+ Sa4ras6tra merged with the parent bank 6 "B'.
'n .=*=& State Bank (+ In,(re was merged with K "B'.
-ow currently "B' group consists of "B' and 5 associate banks.
1. "tate Bank of Bikaner ? Raipur
2. "tate Bank of Cyderabad
3. "tate Bank of !ysore
4. "tate Bank of atiala
. "tate Bank of Travancore
"B' has .7&===X AT!s and "B' group (including associate banks# has 0.&75. AT!s.

"B' has
become the first bank to install an AT! at ;rass in t6e Aa114 B Kas61ir Kargi3 region. This
was the BankBs .7&=0.nd AT! on .7 Ruly .=*..
L*G* an, S3(gan: The logo of the "tate Bank of 'ndia is a blue circle with a small cut in the
bottom that depicts perfection and the small man the common man 6 being the center of the
bankBs business.
The logo came from -ational 'nstitute of $esign (-'$#& Ahmedabad and it was inspired
by Kankaria Lake& Ahmedabad
56
N(te: Kankaria Lake is one of the biggest lakes in Ahmedabad& 3uDarat. A lakefront was
developed around it& which has many public attractions such as a %oo& toy train& kids city& tethered
balloon ride& water rides& water park& food stalls& and entertainment facilities.
S3(gan (+ SBI: S3(gans: 1. S+ith you 6 all the wayS&
2. Sure banking&
3. -othing elseS&
4. SA bank of the common manS&
. EThe banker to every indianS&
". SThe nation banks on usS
"ome of the maDor competitors for "B' in the banking sector are A/is Bank& '1'1' Bank& C$F1
Bank& unDab -ational Bank& Bank of Baroda& 1anara Bank and Bank of 'ndia. Cowever in terms
of average market share& "B' is by far the largest player in the market
The group has an e/tensive network& with over .=&=== plus branches in 'ndia and another *97
offices in 02 countries across the world. As of 0*st !arch .=*0& the group had assets worth @"$
0;. billion& deposits of @"$ .;; billion and capital ? reserves in e/cess of @"$ .0.=0 billion. The
group commands over .0T share of the domestic 'ndianbanking market.
N(n=:anking s4:si,iaries
Apart from its five associate banks& "B' also has the following non6banking subsidiaries:
1. "B' 1apital !arkets Ftd
2. "B' Funds !anagement vt Ftd
3. "B' Factors ? 1ommercial "ervices vt Ftd
4. "B' 1ards ? ayments "ervices vt. Ftd. ("B'1"F#
. "B' $FC' Ftd
". "B' Fife 'nsurance 1ompany Fimited
#. "B' 3eneral 'nsurance
"B' and its five subsidiaries control over one6fifth of the nationHs banking assets and is the 77th
largest bank in the world.
"B' 6 ( !arketing )ui%
).*. A theory states that no matter how efficiently goods>service are produced& if they cannot be
delivered to the customer in the :uickest possible time it is vain6this theory is called6
(*# )uickest the best
(.# 'nstant service
(0# "ervice on time
(2# Timely effort
(5# !atter theory
)... $emonstration is an e/ercises to6
(*# attractively pack and display the goods
(.# rove the characteristic of the product
(0# Both * and .
(2# +indow shop
(5# -either * nor .
).0. 'n selling S1onsumptionS is the ultimate goal of the sales while a marketer6
(*# 'dentifies consumer needs and wants.
(.# $evelop an appropriate product>service to attain customer satisfaction.
(0# Accomplish organi%ational goals through integrated marketing approach
57
(2# all of the above.
(5# -one of these
).2. B1asualB research is basically concerned with6
(*# 8stablishing cause and effort relationship
(.# Arriving at a forecast or prediction of interest.
(0# measuring and estimating the fre:uencies with which of things occur
(2# all of above
(5# -one of these
).5. A method in which brand e:uity is measured by comparing difference between the retail
price of the brand and the retail price of an unbranded product in same category is called6
(*# Brand goodwill method
(.# price premium method
(0# roduction method
(0# Both * and .
(2# -either * nor .
).7. Bank !arketing means6
(*# "elling of Banks
(.# !erger of Banks
(0# "elling bankBs products and services
(2# -one of these
(5# All of these
).7. 1redit cards are used for6
(*# 1ash withdrawals
(.# urchase of air tickets
(0# urchase of consumable items from retail outlets
(2# all of these
(5# -one of these
).9. Come loans are granted to6
(*# 'ndividuals
(.# 'nstitutions
(0# Builders
(2# all of these
(5# -one of these
).;. AT!s are6
(*# Branches of Banks
(.# !anned counters of Banks
(0# @nmanned cash dispensers
(2# All of these
(5# -one of these
).*=. 4elationship selling means6
(*# reparing a list of relatives
(.# 1ross selling
(0# "elling to relatives
(2# "elling to strangers
(5# Telemarketing
Answers:
58
).*.(.#
)...(.#
).0.(2#
).2.(*#
).5.(.#
).7.(0#
).7.(2#
).9.(*#
).;.(0#
).*=.(.#

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