PPB Module B Unit 3 & 4

What replaced the BPLR system in July 2010?

• PLR
• Base Rate System
• MCLR
• CRR
• Operating Costs

When were floating rate rupee loans priced with reference to the Base Rate?

• Before July 1, 2010
• Between July 1, 2010 and March 31, 2016
• After March 31, 2016
• Between July 1, 2015 and March 31, 2016
• None of the above

What concept replaced the Base Rate system in December 2015?

• PLR
• Base Rate System
• MCLR
• CRR
• Operating Costs

Which of the following is an internal benchmark for pricing rupee loans?

• PLR
• Base Rate System
• MCLR
• CRR
• Operating Costs

What are the five MCLRs that banks are required to publish?

• Overnight MCLR
• One week MCLR
• One month MCLR
• Three-month MCLR
• One year MCLR

Which type of loans are exempt from benchmark-based interest rates?

• Government schemes loans
• Personal loans
• Fixed rate loans
• Small business loans
• Home loans

What external benchmark was introduced in September 2019 for certain loans?

• Repo rate
• 3-Months Treasury Bill yield
• 6-Months Treasury Bill yield
• Base Rate
• MCLR

What is the focus of credit management?

• Maximizing revenue
• Monitoring accounts
• Asset liability management
• Risk pricing policy
• Capital adequacy norms

What does "Credit Exposure" refer to?

• Exposure to sunlight
• Bank's exposure to a single counterparty
• Credit card limit
• Exposure to foreign exchange
• Exposure to stock market

What is the maximum exposure limit to a single NBFC for a bank?

• 10% of bank's eligible capital
• 20% of bank's eligible capital
• 15% of bank's eligible capital
• 25% of bank's eligible capital
• No limit