RBS Verbal Reasoning 2 — Questions and Answers
Question 1: Read: 'RBS's fraud prevention team monitors transactions 24 hours a day, seven days a week. Suspicious transactions are flagged for review within minutes.' What can be inferred?
- A suspicious transaction made at 3 AM on Sunday will be flagged (Correct answer)
- All flagged transactions result in account suspension
- Only large transactions are monitored
- The fraud team works in shifts of 12 hours
Correct answer: A suspicious transaction made at 3 AM on Sunday will be flagged
Since monitoring occurs 24/7, a transaction at any time including 3 AM Sunday would be flagged if suspicious.
Question 2: Passage: 'Some RBS branches offer extended weekday hours, but no RBS branch is open on Sundays.' A customer claims their local RBS branch was open this Sunday. This claim is:
- Definitely false based on the passage (Correct answer)
- Possibly true if the branch is in a special location
- True because extended hours include Sundays
- Cannot be determined from the passage
Correct answer: Definitely false based on the passage
The passage states no RBS branch is open on Sundays, making the customer's claim definitively false.
Question 3: Text: 'RBS provides business banking services to small, medium, and large enterprises. Loan products are available to businesses with at least two years of trading history.' Which business QUALIFIES for an RBS loan?
- A medium-sized enterprise trading for three years (Correct answer)
- A startup that opened six months ago
- A sole trader with no business registration
- A large enterprise that has not yet started trading
Correct answer: A medium-sized enterprise trading for three years
A medium-sized enterprise with three years of trading history meets the two-year minimum requirement.
Question 4: Passage: 'RBS's graduate program accepts applications from candidates holding a minimum of a 2:1 degree in any subject. Candidates without a degree may apply via the apprenticeship route.' Which applicant is INELIGIBLE for the graduate program?
- A candidate with a 2:2 degree in Economics (Correct answer)
- A candidate with a 2:1 degree in History
- A candidate with a First-class degree in Engineering
- A candidate with a 2:1 degree in Mathematics
Correct answer: A candidate with a 2:2 degree in Economics
The graduate program requires at least a 2:1 degree, so a 2:2 degree does not meet the minimum requirement.
Question 5: Read: 'Digital banking usage at RBS has grown by 40% over five years. However, demand for in-branch services for complex financial advice remains high.' What does this suggest?
- Customers use digital channels for routine tasks but still value in-person advice for complex needs (Correct answer)
- RBS should close all branches immediately
- Digital banking will fully replace branches within five years
- Only young customers use digital banking at RBS
Correct answer: Customers use digital channels for routine tasks but still value in-person advice for complex needs
The passage implies a split: digital for routine use growing, while in-branch complex advice remains in demand.
Question 6: Passage: 'All RBS personal loan applications are assessed on the applicant's credit score, income, and existing debt levels. No single factor guarantees approval.' A customer with an excellent credit score applies for a loan. What is true?
- Approval is not guaranteed despite the excellent credit score (Correct answer)
- The customer will definitely be approved
- The credit score is the only factor assessed
- Income and debt levels are not considered for personal loans
Correct answer: Approval is not guaranteed despite the excellent credit score
The passage explicitly states that no single factor guarantees approval, so an excellent credit score alone does not ensure it.
RBS Verbal Reasoning 2
Read: 'RBS's fraud prevention team monitors transactions 24 hours a day, seven days a week.
Suspicious transactions are flagged for review within minutes.' What can be inferred?