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Worksheetsadvances general
Total questions: 25
Worksheet time: 13mins
the loan policy is an embodiment of the bank's approach to
sanctioning, managing and monitoring credit risk
sanctioning, managing and monitoring market risk
sanctioning, managing and monitoring operational risk
all the above
the provisions of the current loan policy of our bank are applicable to the _______
domestic operation of the bank
domestic as well as international operations of the bank
commercial advances of the bank
fund based & non-fund based advances portfolio of the bank
which of the following is mitigant for credit concentration risk?
aviling of insurance cover to mitigate risk
slowdown of the lending by the banker
sector wise lending limits
obtaining adequate collateral security to mitigate the risk in credit
the bank's aggregate exposure to capital market should not exceed _____ of the net worth of the bank on a solo and consolidated basis
40%
10%
5%
2%
according to the loan policy of SBI the maximum aggregate credit facility (FB+NFB) for an indivisual borrrower against specified securities in RS.
25 CR
50 CR
100 CR
No limit
as per bank's loan policy document, the maximum aggregate credit facilities (fund based and non fund based) to non-corporate borrowers (e.g partnership, associations etc.) is:
RS.10 CRORES
RS.50 CRORE
RS.100 CRORE
RS.500 CRORE
advances with exposures of above RS.50 CRORE and other than those accounts and groups indentified for CAG relationship are handled by
R AND DBG
CCG
MCG
SARG
What is the cut of limit of advances for reporting the borrower as willful defaulter
RS.10.00 LAC AND ABOVE
RS.25.00 LAC AND ABOVE
50.00 LAC AND ABOVE
RS.1.00 CRORE AND ABOVE
Cash generation/cash profit or cash accrual means
profit+depreciation
profit less depreciation
net profit
none of these
the various disclosure in the balance sheet of banks aim at
supervision
inspection
monitoring
transperency
as per MSMED Act 2006 medium enterprises (Mfg) are those having investment in plant and machinery above
RS 5 CRORES UPTO RS.10 CRORES
RS.5 CRORE
RS.10 CRORES UPTO RS.50 CRORES
RS.50 CRORES UPTO RS. 100 CRORES
The loss before depreciation is called
net loss
actual loss
accumulated loss
cash loss
non fund facilities at the whole bank level should not exeed ______ of fund based exposure
50%
100%
150%
200%
the aggregate exposure to all "large borrowers" should not exeed _______ of bank's tire I capital
100%
200%
500%
800%
facility rating under CRA is applicable for advances above
RS1.00 CR
RS.5.00 CR
RS.10.00 CR
RS.50.00CR
the renewal of cash credit limit sanctioned by bank, particularly the cash credit limit, is repaid out of
half yearly basis
quarterly basis
annual basis
Bi-anual basis
legal audit is mandatory for all advances with exposure
RS.1.00 CRORE and above
RS. 5.00 crore and above
RS.10.00 crore and above
RS. 50.00 crore and above
capital adequacy return is required to be submitted by branches
yearly
half-yearly
quarterly
monthly
the term liquid surplus used in computing working capital denotes
net working capital
sulprus from operation
cash andd bank balance
surplus of its over long term uses
under nayak committee turn over method for working capital, the current ratio
1.33:1
1.25:1
1:1
0.8:1
quick assets can be calculated as
CA-Stock-prepaid expenses
CA-BD- cash
BD+cash prepaid expenses
none of these
MPBF (maximum permissible bank finance) has been replaced with _____ method
ABF
Cash
turnover
operating cycle
the bank guarantees are covered under
sale of goods act
indian contract act
N.I.Act
companies act
break even analysis is useful to find out
sales turnover
net profit
no profit no loss sales
none of these
bank cannot give loan against his own shares under which act
bank regulation act
RBI Act
NI act
SEBI Act
