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

Q150: Which of the following indicators can be used as proxy indicators to measure the successful development of a cluster?

Increase in the number of "Joint Initiatives" (e.g., joint raw material purchase).




Rise in the turnover or exports of the cluster units compared to the national average.




Formation of new horizontal and vertical business linkages.




Total amount of loan defaults written off by banks in that area.
A
1 and 2 only
B
1, 2, and 3 only
C
2 and 4 only
D
1, 3, and 4 only
✅ Correct Answer: B
Measuring Success:
Joint Initiatives (1): This proves "Social Capital" is working.
If they buy together, the cluster is maturing.
Economic Growth (2): If the cluster grows faster than the industry average, the interventions are working.
Linkages (3): New subcontracting relationships indicate a deepening value chain.
Why 4 is wrong: High loan defaults indicate failure or stress, not development.
A successful cluster should see lower NPA levels due to better cash flows.