MSME MCQ

The objective of our GCEMP is to ptimise EVA to share holders. Define EVA.

• ex value ante
• Economic Value Alternatives
• Earned Value Alternatives
• Economic Value Addition

Who is responsible for providing outlooks for the industries as per GCEMP?

• CPC
• RMCB
• RMD
• PPAC

Any proposed ‘fresh exposure’ / ‘Review’ / ‘Review with Increase’ of existing exposures shall not be treated as EXTERNAL RATED unless and until our Bank name as lender and corresponding facility details have been disclosed in the Press Releases issued by ECAIs. define ECAI.

• Exterior Credit Arrangement Institutions
• External Credit Arrangement Institutions
• External Credit Assessing Institutions
• External Credit Assessment Institutions

Any proposed ‘fresh exposure’ / ‘Review’ / ‘Review with Increase’ of existing exposures shall not be treated as EXTERNAL RATED unless and until our Bank name as lender and corresponding facility details have been disclosed in the Press Releases issued by ECAIs (ECAIs here denotes the Credit Rating agencies identified by Bank from to time). In absence of above disclosures, the facility shall be treated as _________ for the purpose of RWA computation and pricing to be re-visited by in order to compensate additional capital charge.

• BOB10
• C
• B-
• UNRATED

For PMMY loans upto Rs 2.00 Lacs, minimum acceptable score should be ______ out of 100, below which branches are advised to not consider the proposal

• 30
• 20
• 40
• 50

Non- Indian Corporate Borrowers, the rating should be obtained from which of the following rating agencies?

• ACUITE
• CRISIL
• FITCH
• ICRA

If there are three or more ratings accorded by the credit rating agencies chosen by the borrower that map into different risk weights, then which rating to be considered?

• Least of all ratings
• Highest of all ratings
• Higher of the two lowest ratings
• Lower of two higher ratings

Authority for allowing change in External Rating Agency in between the review period, if it has been classified as SMA-1 or SMA-2 since last review of the account

• ZOCC - GM
• COCC - CGM
• Next level of previous reviewing/ sanctioning authority (for all proposals below ZOCC - GM)
• previous reviewing/ sanctioning authority (for all proposals below ZOCC - GM)

Minimum external credit rating for Regulatory & Non regulatory MSME exposures of above Rs. 50 crore from the banking system is ______

• BBB
• BB
• B
• A

External credit rating is exempted if the exposure is having Guarantee of CGTMSE, ECGC or any other bank is available. The coverage of he guarantee should be at least _____% of the exposure

• 0.5
• 0.75
• 1
• No such exemption is existing.