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Challenges Faced by Small Commercial Banks Quiz

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Challenges Faced by Small Commercial Banks Quiz

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Questions and Answers

Which of the following is a challenge faced by SCBs due to their limited financial and human resources?

Dependence on government support

Regulatory compliance

Lack of technology (correct)

Competition from larger banks

What is one of the challenges faced by SCBs due to their small customer base?

Limited growth potential (correct)

Competition from larger banks

Dependence on government support

Lack of regulatory compliance

What is one of the challenges faced by SCBs due to their dependence on government support?

Competition from larger banks

Limited customer base

Lack of technology

Unpredictability of government support (correct)

What are some of the diverse service areas that banks are required to offer according to the text?

service expansion, social banking, selective modernization and innovative mechanisms, computerization and customer services, effective management culture, internal supervision and control, adequate profitability, a strong corporate culture, and so forth. Signup and view all the answers

Why has retail lending become a priority for banks recently?

Retail lending has helped to disperse risk and increase banks' income with improved recovery rates. Signup and view all the answers

What must banks do to meet the satisfaction of their consumers?

Every bank must take care to meet the satisfaction of our consumers. Signup and view all the answers

What are some of the mechanisms that banks need to implement to provide complete personal service expectations to clients?

Banks need to implement diverse service areas, including service expansion, social banking, selective modernization, innovative mechanisms, computerization and customer services, effective management culture, internal supervision and control, adequate profitability, a strong corporate culture, and so forth. Signup and view all the answers

How has retail lending helped banks disperse risk and increase their income?

Retail lending has helped banks disperse risk and increase their income with improved recovery rates, especially in the field of financing sustainable consumer products, houses, cars, etc. Signup and view all the answers

What steps must every bank take to meet the satisfaction of their consumers?

Every bank must take care to meet the satisfaction of their consumers by providing diverse service areas, including service expansion, social banking, selective modernization, innovative mechanisms, computerization and customer services, effective management culture, internal supervision and control, adequate profitability, a strong corporate culture, and so forth. Signup and view all the answers