Question
Which of the following factors DO NOT attribute to
increase the credit risk of a bank?Solution
High LTV ratio means high loan as compared to the value of the asset financed. In such a case the collateral value is insufficient or offers very little margin of safety for the bank in case of default by the borrower Weak credit policy can lead to poor credit appraisal and inadequate follow-ups leading to higher risk of default Higher exposure to single territory increase the geographical risk like the one witnessed by Microfinance institutions when all MFI loans in Andhra Pradesh turned bad and MFIs concentrated in that state suffered huge non-recoveries. Crystallisation of contingent liabilities poses liquidity risk to the banks.
Promotional expenditures at the introduction stage of the product life cycle are spent on:
The use by marketers of YouTube, Twitter, and Instagram to promote their brands or organizations is known as ___________.
Direct mail and catalogue retailing are examples of:
A bank increasing rewards for digital bill payments aims to improve:
Which of the following best represents the “Augmented Product” level in banking?
A bank identifies urban millennials as high-growth segment and designs digital-first products. This is example of:
If customers perceive similar pricing and features across banks, competitive advantage must come from:
Which segmentation approach is most effective for credit card marketing?
All of the following statements about YouTube are true EXCEPT:
Shoplifting is an example of when consumers do not adhere to:
