Fin435

Loan recovery techniques is how bank manage bad loans through borrower policies, skilled staff and cost-effective recovery methods.

• TRUE

• FALSE

What is four approaches techniques?

• Bankruptcy

• Business Operations

• Collateral Liquidation

• Cooperative Workout Agreement

• Enforcement of judgment

Two steps in enforcement of judgment are

• Accounts Operations

• Reduce debt to judgment

• Credit Analysis

• Enforcement and collection

What is the formula to calculate net interest margin?

Measures the earnings and profitability profile of banks reflecting the ability to support the bank’s operations is the meaning of

What is one challenge the bank faces due to the e-statement issue?

• Paying hefty fees for system upgrades

• Launching a new marketing campaign

• Increasing interest rates for loans

• Expanding to new markets

“Evaluates a bank’s capacity to meet both expected and unforeseen funding requests.”

This statement refers to……

• Assets Quality

• Management Soundness

• Liquidity

• Capital Adequacy

• Profitability

The following is a formula of asset quality except

• NPL / Net Loan

• Cash and Short term securities / Total assets

• Gross Loan / Total Customer Deposits

• Customer Deposits / Shareholders Fund