RBS Verbal Reasoning 1 — Questions and Answers
Question 1: A passage states: 'RBS provides a range of personal banking services including current accounts, savings accounts, and mortgages. The bank also offers credit cards with various reward programs.' Which conclusion MUST be true based solely on this passage?
- RBS offers mortgages to personal banking customers (Correct answer)
- RBS has the best credit card rewards in the US
- RBS only serves personal banking customers
- RBS does not offer business accounts
Correct answer: RBS offers mortgages to personal banking customers
The passage explicitly states that RBS provides mortgages as part of its personal banking services.
Question 2: Read: 'All relationship managers at RBS must complete a financial compliance training course. James is a relationship manager at RBS.' What can be logically concluded?
- James must complete the financial compliance training course (Correct answer)
- James has already completed the training
- James enjoys compliance training
- James is the best relationship manager at RBS
Correct answer: James must complete the financial compliance training course
Since all relationship managers must complete the training and James is one, he must complete it.
Question 3: A passage reads: 'RBS has reduced its branch network significantly over the past decade while expanding its digital services.' Which statement is CANNOT be concluded from this passage?
- Digital banking is now RBS's only service channel (Correct answer)
- RBS has closed some branches in the past ten years
- RBS has invested in digital banking
- The bank's branch count has decreased
Correct answer: Digital banking is now RBS's only service channel
The passage says RBS expanded digital services but does not say it is the only channel available.
Question 4: Passage: 'NatWest Group, the parent company of RBS, reported increased customer satisfaction scores in 2024 compared to the prior year.' What is DEFINITELY true?
- Customer satisfaction at NatWest Group improved year over year (Correct answer)
- Every RBS customer is satisfied
- NatWest Group outperforms all competitors in satisfaction
- RBS was independently surveyed from NatWest Group
Correct answer: Customer satisfaction at NatWest Group improved year over year
The passage clearly states that NatWest Group's customer satisfaction scores increased compared to the prior year.
Question 5: Text: 'RBS employees are required to adhere to the bank's Code of Conduct at all times, including outside working hours when representing the organization.' Which inference is VALID?
- An RBS employee at a public event representing the bank must follow the Code of Conduct (Correct answer)
- RBS employees have no personal freedom outside work
- The Code of Conduct only applies during business hours
- Only senior RBS staff must follow the Code of Conduct
Correct answer: An RBS employee at a public event representing the bank must follow the Code of Conduct
The passage specifies the Code of Conduct applies outside working hours when representing the organization, which covers public events.
Question 6: Passage: 'RBS offers fixed-rate and variable-rate mortgage products. Fixed-rate mortgages provide payment certainty while variable-rate mortgages may fluctuate with market interest rates.' Which conclusion FOLLOWS from the passage?
- A customer with a variable-rate mortgage may see their payments change (Correct answer)
- Fixed-rate mortgages are always cheaper than variable-rate mortgages
- RBS recommends fixed-rate mortgages to all customers
- Variable-rate mortgages are riskier for the bank than for the customer
Correct answer: A customer with a variable-rate mortgage may see their payments change
The passage states that variable-rate mortgages may fluctuate with market rates, meaning payments could change.
RBS Verbal Reasoning 1
A passage states: 'RBS provides a range of personal banking services including current accounts, savings accounts, and mortgages.
The bank also offers credit cards with various reward programs.' Which conclusion MUST be true based solely on this passage?