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

• Rs.0.35 Lacs
• Rs.0.20 Lacs
• Rs. 0.25 lacs
• Rs. 0.30 lacs
• Rs.0.15 lacs

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

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%

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

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

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

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

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 shares to be pledged  by Ashwini manually
• Those shares will not be pledge by  the Ashwini
• 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 borrower need to inform the  branch upon receipt of bonus  shares for further action by the  branch
• None of these

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?

• 56000
• 36000
• 40000
• 32000
• 55000

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

• Tier 1
• Tier 2
• Tier 1 + Tier 2
• Either Tier 1 or Tier 2
• Tier 1 + Tier 2 - ATI Bonds