GCMP

What is the main purpose of the Global Credit Exposure Management Policy?

• To manage foreign exchange risk

• To maintain credit exposures within risk tolerance limits and maximize risk-adjusted return

• To increase branch profitability

• To reduce staff turnover

The policy applies to:

• Only domestic operations

• Only overseas branches

• All global operations, both standalone and consolidated

• Only retail lending

Who is responsible for the overall credit risk exposure management of the Bank?

• Managing Director only

• Board of Directors

• Risk Management Department

• Zonal Heads

The Risk Management Committee of the Board (RMCB) is primarily responsible for:

• Implementing marketing strategies

• Setting credit risk appetite and monitoring limits

• Recruiting credit officers

• Conducting branch audits

Which committee approves new products or process modifications?

• Credit Policy Committee

• Risk Management Committee

• Product & Process Approval Committee

• Audit Committee

Credit risk involves the inability or unwillingness of a customer to:

• Meet regulatory requirements

• Meet contractual commitments

• Maintain deposits

• Pay dividends

Corporate & Institutional Credit (C&IC) borrowers are those with turnover exceeding:

• Rs. 50 crore

• Rs. 100 crore

• Rs. 250 crore

• Rs. 500 crore

Regulatory MSME borrowers have a turnover up to:

• Rs. 100 crore

• Rs. 150 crore

• Rs. 200 crore

• Rs. 250 crore

Real estate projects with cost exceeding Rs. 50 crore fall under:

• MSME

• Retail

• Corporate & Institutional Credit

• Rural Banking

Rural & Agricultural Banking includes:

• Only crop loans

• All agriculture and allied activities

• Retail consumer loans

• Export financing