Ramesh, took overdraft against pledge of shares of Rishi Industries Limited through CFMS facility. The company declared bonus at 1:4 ratio to the existing shareholder. Ashwini got 500 shares as bonus. What will be the impact of this bonus issue on the advance against the shares?

The bonus share will be pledged automatically, the borrower need to request branch for withdrawal of pledge if he/ she do not want to increase the amount of borrowings

The bonus shares to be pledged by Ashwini manually

Those shares will not be pledge by the Ashwini

The borrower need to inform the branch upon receipt of bonus shares for further action by the branch

Krishna, was eligible for Pre approved personal loan of Rs.3.00 lacs. However she availed loan upto Rs.1.50 lacs. After a period of 12 months, she wanted to avail the remaining amount of personal loan of Rs.1.50 lacs. Can she get the loan?

Yes, subject to approval of deviation by RMCC

Yes, as she was eligible for the loan earlier she can avail it

No, once the pr- approved limit is availed, no further loan can be granted irrespective of utilization level

Yes, subject to closure of the 1st loan that was sanctioned

The Commercial CreditVision Algorithms to be utilized for underwriting of MSME Loans for

NTB customers - exposure less than Rs.1 Cr - ranking grade of CMR 6 only.

NTB customers - exposure of Rs.1 Cr to Rs.50 Cr - ranking grade in the range of CMR 4 to CMR 6.

What is the maximum loan to employees of companies for purchasing shares of their own companies, under ESOP/ reserved by way of employee’s quota under IPO ?

90% of the purchase price of the shares or Rs 20 Lacs, which is lower

90% of the purchase price of the shares or Rs 20 Lacs, which is higher

80% of the purchase price of the shares or Rs 20 Lacs, which is higher

80% of the purchase price of the shares or Rs 20 Lacs, which is lower

Who can be identified as a non co-operative borrower

Who does not engage constructively with the lenders and defaults timely repayment of dues while having ability to pay

Deliberately stone walls legitimate efforts of the lenders to recover their dues.

Denying access to assets financed/ collateral securities, obstructing sale of securities etc

QIS II is to be submitted in ________

Withing six week after the end of the quarter

Withing one week after the end of the quarter

Withing three week after the end of the quarter

Withing twelve weeks after the end of the quarter

To safeguard bank's customer interest against fraudulent siphoning of money from bank issued debitcard , our renewed debit card insurance policy is with

General Insurance Corporate of india

Which of the facilities are not available for retail customers under internet banking ?

NEFT/RTGS transaction in bulk through file upload facility

Online dispute resolution system

Interest certificate generation by date selection through Baroda Connect

Through BOB World Internet _ users can register /de register of the Whatsapp banking.

both retail and corporate users

The full form of FACE is ?

Fintech Association for Consumer Empowerment

Financial Associati on (against)

Finance Accreditor for Consumer Enlightenment

Finance-inclined Association of Consumer Education

What is regulatory sandbox?

Framework set up by RBI to allow small-scale, live testing of innovations by private firms in a controlled environment under itssupervision.

Framework set up by SEBI to allow small-scale, live testing of innovations by private firms in a controlled environment under itssupervision.

Framework set up by Central Government to allow small-scale, live testing of innovations by private firms in a controlledenvironment under its supervision.

Framework set up by NPCI to allow small-scale, live testing of innovations by private firms in a controlled environment under itssupervision.

In which of the following case the account opening request be re-initiated at the BC Points

customers whose CUST ID gets generated but account number could not generated

customers whose CUST ID could not get generated

customers who earlier came for account opening but journey was voluntarily stopped by customer

Account number got generated but customer ID is in freeze stage

Select all the correct statement regarding the "Continue Account creation" option available at BC Points

facilitate the request in account opened on or after 24th June 2022

a/c opening requests can be initiated at any time by the BCs for customers whose Customer ID were generated but a/c number could not be generated.

can be used for only SB 150 & SB160

Verification of Inter-SOL transaction is allowed only for_________

Any Officer except credit officer

QUIZ 1 OFFICERS BATCH 2023-24

Authored by BA Rajkot

Computers

Professional Development

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105 questions

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MULTIPLE CHOICE QUESTION

20 sec • 1 pt

Mr.VIkash , wants loan of Rs.1.00 lacs for payment of one time club membership fee. What will be amount of margin under the Baroda home suvidha personal loan

Rs.0.35 Lacs

Rs.0.20 Lacs

Rs. 0.25 lacs

Rs. 0.30 lacs

Rs.0.15 lacs

MULTIPLE CHOICE QUESTION

20 sec • 1 pt

Which of the following retail loan products have commitment charges

Baroda Suvidha Loan

Baroda Home Loan Takeover

Baroda auto loan

Baroda Home loan

Baroda Ashray loan

MULTIPLE CHOICE QUESTION

20 sec • 1 pt

Maximum concession in case of Applicant/s who offer minimum 50% of Loan limit as liquid collateral security e.g. Fixed Deposit of our Bank, NSC, KVP or LIC Policy in case of auto loan is

0.20%

0.30%

0.25%

0.50%

1.00%

MULTIPLE CHOICE QUESTION

20 sec • 1 pt

What is maximum amount of education loan that can be considered without collateral security for “A” category of Institutions under Baroda Gyanscheme for students of premier institutions in India.

30 lacs

50 lacs

20 lacs

80 lacs

7.50 lacs

MULTIPLE CHOICE QUESTION

20 sec • 1 pt

A company has made sales of Rs.300 lacs. It has Net Profit of Rs.30 lacs. In Notes to Account we find Profit includes interest income of Rs.10 lacs from Investment. It has Depreciation Rs.5 lacs. What is "Cash Profit" of the company form Operation only?

30 lakhs

20 lakhs

25 lakhs

15 lakhs

35 lakhs

MULTIPLE CHOICE QUESTION

20 sec • 1 pt

Incase of decline in LTV of the advance against securities, which of the following action will be taken

Invoke the additional securities offered by the customer

As the advance value of the loan is kept at lower limit than the value of securities so decline in LTV will not adversely affect the loan amount

CFMS will send email/ SMS to the customer with a copy the branch. Branch need to follow up with the customer to infuse margin within the timeline specified in guidelines

The DP must be reduced immediately to maintain LTV

None of these

MULTIPLE CHOICE QUESTION

20 sec • 1 pt

Which of the following are exempted to RAROC framework

staff loans

exposures having 0% risk weighteed assets

restructuring proposals

regulatory retail portfolio as per basel guidelines.

All of the above

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QUIZ 1 OFFICERS BATCH 2023-24

Mr.VIkash , wants loan of Rs.1.00 lacs for payment of one time club membership fee. What will be amount of margin under the Baroda home suvidha personal loan

Which of the following retail loan products have commitment charges

Maximum concession in case of Applicant/s who offer minimum 50% of Loan limit as liquid collateral security e.g. Fixed Deposit of our Bank, NSC, KVP or LIC Policy in case of auto loan is

What is maximum amount of education loan that can be considered without collateral security for “A” category of Institutions under Baroda Gyanscheme for students of premier institutions in India.

A company has made sales of Rs.300 lacs. It has Net Profit of Rs.30 lacs. In Notes to Account we find Profit includes interest income of Rs.10 lacs from Investment. It has Depreciation Rs.5 lacs. What is "Cash Profit" of the company form Operation only?

Incase of decline in LTV of the advance against securities, which of the following action will be taken

Which of the following are exempted to RAROC framework

Ramesh, took overdraft against pledge of shares of Rishi Industries Limited through CFMS facility. The company declared bonus at 1:4 ratio to the existing shareholder. Ashwini got 500 shares as bonus. What will be the impact of this bonus issue on the advance against the shares?

A company had purchased a Plant & Machinery of Rs.1,80,000/- and the scrap value of the same is Rs.20,000/- and the life value of the Plant & Machinery is 5 years. What will be the depreciation amount each year under Straight Line Method?

Eligible Capital Base for large exposure purpose is the effective amount of ______ capital as per Basel III as per the last audited balance sheet

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