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In Rating Model Borrower/ Obligor Rating is done to calculate

• Loss Given Default
• Exposure at Default
• Probability of Default
• Expected Loss

In Rating Model Facility Rating is carried out to calculate

• Loss Given Default
• Exposure at Default
• Probability of Default
• Expected Loss

Formula for Expected Credit Loss is

• PD*EAD*CAD
• PD*LGD*CAD
• PD*LGD*EAD
• PD*LGD*CAD

If a company is starting New Project & the project cost is more than or equal to 40% of the NETWORTH of the company then it will classify as

• Companies without Project
• Company with Project
• Greenfield Projects
• Build Phase

For a Contractor having exposure of less then 2 Cr then Business Segment of that borrower in BOBICON will be

• Contractor
• SME Trader
• SME Services
• MSME Scorecard

In advance a/c where ROI is linked with Rating of a/c, effective date of the interest rate based on Credit Rating will be

• 1st April
• 1st July
• 1st October
• Review Date

Periodicity of the inspection of Primary securities in BOB-5 rated a/c will be

• Bi Monthly
• Quarterly
• Half Yearly
• Yearly

While creating a Borrower in BOBICON, Borrower type should be

• Individual
• Non- Individual
• A or B Both

In which of the parameters we do no perform rating of Borrower

• Industry Risk
• BUSINESS RISK
• FINANCIAL RISK
• Counterparty Risk

As per BASEL Norms which is not an approach for Credit Risk

• Foundation IRB
• Advance IRB
• Standardise
• Market Approach