RBS Verbal Reasoning 3

Question 1

Text: 'RBS has committed to achieving net-zero carbon emissions by 2050 and has stopped direct financing of new oil and gas exploration projects.' What can be concluded?

Accepted Answer

RBS will not directly fund new oil and gas exploration

Answer

RBS has already achieved net-zero emissions

Answer

RBS has sold all existing energy sector investments

Answer

Oil and gas companies cannot bank with RBS

Question 2

Passage: 'RBS's Premier banking service is available to customers who earn over $75,000 annually or hold savings of more than $50,000 with the bank.' Which customer QUALIFIES for Premier banking?

Accepted Answer

A customer earning $80,000 annually

Answer

A customer earning $60,000 with $40,000 in savings

Answer

A customer earning $50,000 with no savings

Answer

A customer earning $70,000 with $30,000 in savings

Question 3

Read: 'RBS trains all new staff in anti-money laundering procedures during their first month of employment. The training is mandatory and must be completed before handling customer funds.' A new hire starts handling customer funds on day 20 without completing the training. This is:

Accepted Answer

A violation of RBS policy

Answer

Acceptable if a manager approves it

Answer

Fine because training can be completed later

Answer

Not a concern because day 20 is within the first month

Question 4

Passage: 'RBS interest rates on savings accounts are reviewed quarterly. Rates may increase or decrease depending on the Bank of England base rate.' A customer opens a savings account today. What is true about their interest rate?

Accepted Answer

The rate could change in the next quarterly review

Answer

The rate is fixed for the life of the account

Answer

The rate will definitely increase next quarter

Answer

The rate is unaffected by the Bank of England base rate

Question 5

Text: 'RBS offers overdraft facilities on current accounts. An unarranged overdraft incurs higher fees than an arranged overdraft.' A customer goes into an overdraft they did not arrange in advance. What can be inferred?

Accepted Answer

The customer will incur higher fees than if they had arranged the overdraft

Answer

The customer will not be charged any fees

Answer

Arranged and unarranged overdrafts cost the same

Answer

The customer will have their account closed immediately

Question 6

Passage: 'RBS's online banking platform requires two-factor authentication for all transfers exceeding $500. Transfers below this threshold require only a password.' A customer attempts a $600 transfer with only a password. What happens?

Accepted Answer

The transfer will not be completed without two-factor authentication

Answer

The transfer will proceed because a password was provided

Answer

The threshold applies only to international transfers

Answer

The customer can override two-factor authentication by calling the bank