Banking Retail Business Synergy Answers (73/100)

ANSWER COLLECTION - Banking Retail Business Answers Synergy (73/100) Rating Good
1.The decision to issue a loan is taken by ...
head of the credit department
credit committee
bank chairman
either the head of the credit department or the credit committee or the chairman of the bank

2. If a client opened a deposit for one year, placing 500,000 rubles on it, three months after opening it, he reported another 300,000 rubles, an interest rate of 10% per annum is charged on the deposit, and interest capitalization occurs at the end of the term storage of the deposit, the client will receive income ...
RUB 20,000
RUB 72,500
RUB 60,000
RUB 80,000

3. In the banking retail business, operations "without an account" include ...
opening a deposit by an individual
individual currency exchange
money transfer from an individual´s account to be credited to a legal entity´s account

4. It is not true that the peculiarities of time deposits include the fact that ...
time deposits have a clearly defined maturity
a fixed interest is paid on the deposit
funds for the client turn around slowly
the lowest interest is paid on them

5.If the bank offers a 2.5% commission for transfers to the EU countries (maximum 350 euros for a transfer amount of up to 5,000 euros (3.5%) and a maximum of 450 euros for an amount over 5,000 euros), for transfers to CIS countries - a commission of 2 % (minimum 30 euros), for transfers to other countries - 3%: then the client, transferring 15,500 euros to Cayenne (Guiana), will pay ... commission
388 euro
543 euro
465 euros
450 euros

6. The prerequisite for a credit institution to accept deposits from individuals is
the bank has a license from the Central Bank of the Russian Federation for this type of activity
the depositor - an individual has a debit bank card
increase in the number of ATMs installed by the bank to 1000 units

7. Maximum exposure per borrower ...
cannot exceed 25% of the bank´s capital
not limited at all
cannot exceed 50% of the bank´s capital
cannot exceed 100% of the bank´s capital

8. Collection agencies are organizations ...
on assessing the risk of the bank´s loan portfolio
for the issuance of consumer loans
for collection of overdue debts

9. A depositor of a Russian bank can be ...
citizen of the Russian Federation
foreign citizen
Russian citizen, foreign citizen or stateless person

10. Insurance compensation for deposits as of November 1, 2012 is ...
200 thousand rubles
400 thousand rubles.
700 thousand rubles
850 thousand rubles

11. It is not true that commercial banks issue ... cards
tourist
debit
customs
credit

12. If the credit institution has established rates: bank purchase rate 45.58 rubles. for 10 Norwegian kroner, bank selling rate 48.08 rubles. for 10 Norwegian crowns, the rate of the Central Bank of the Russian Federation is 47.5837, then the client, in order to purchase 15 100 Norwegian crowns for cash rubles, must provide the bank´s cashier ...
RUB 63 825.80
RUB 72 600.80
RUB 71,851.39

13. The deposit is ...
acceptance for storage
return to ownership
lending
deposit

14. Scoring methods for assessing a borrower assume ...
assessment of various aspects of a potential borrower´s activities and summing up points
differentiated assessment of the borrower´s parameters without further summation
assessment of the business reputation of the borrower

15. If the VISA card is issued with a validity period of one year and the tariffs for using the card are as follows: the initial payment is 300 rubles, the first year of servicing the card is 360 rubles, subsequent years of service: 280 rubles, then the bank will receive from using the card within two years income...
RUB 1 720
1000 rub.
640 RUB
RUB 940

16. The fundamental principles of lending include ...
paid
repayment and urgency
repayment, chargeability, urgency
purpose and security

17. Visa, MasterCard belong to ... class of brands
local
ma