Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: General Practice

Q143: In the context of Cluster Economics, the term "Agglomeration Economies" refers to which of the following phenomena?

A
The financial loss incurred when too many banks lend to a single industry.
B
The cost savings and benefits that firms derive from being located close to each other.
C
The government policy of merging multiple small clusters into one large "Mega Cluster".
D
The accounting practice of aggregating balance sheets of all cluster members for tax purposes.
✅ Correct Answer: B
Concept Definition: "Agglomeration Economies" are the benefits that come when firms and people locate near one another together in cities or industrial clusters.
Types:





Localization Economies: Benefits from firms in the same industry being close (e.g., a shared pool of specialized labor, specialized suppliers).




Urbanization Economies: Benefits from the overall size of the urban area (e.g., better roads, airports).
Relevance: This is the economic engine of a cluster.
It reduces the "Per Unit Cost" of production through shared resources (like a Common Facility Centre) and knowledge spillovers.