WorksheetsGeneral Credit Guidelines
Total questions: 20
Worksheet time: 10mins
Name
Class
Date
1.
What is the haircut to be taken in case of CGTMSE coverage ?
a)
75 % of coverage available
b)
50 % of coverage available
c)
25 % of coverage available
d)
20 % of coverage available
2.
What is the maximum concession in mark up allowed in our bank as per Takeover & Winback Guidelines for NTB ?
a)
20 bps
b)
30 bps
c)
25 bps
d)
55 bps
3.
Penal charges shall not exceed ………... % of the outstanding balance of credit facilities of borrower , irrespective of the number of non –compliance instances
a)
1 %
b)
2 %
c)
6 %
d)
4 %
4.
What is the full form of RAROC
a)
Risk Adjusted Return on Investment Capital Employee
b)
Risk Return Adjusted Investment on Capital
c)
Risk Adjusted Return on Capital
d)
Return Adjusted Risk on Capital
5.
Full concession can be given in ROI for SP and Credit Spread for Takeover (NTB) cases?
a)
Yes
b)
Not allowed
c)
Yes deviation power rests with repective higher authorities
d)
Allowed upto BRLLR
6.
Is QIS statement to be obtained in the facilities sanctioned?
a)
No
b)
Yes in all facilities
c)
It has to be obtained for limit facilities above Rs.1.00 crore
d)
It has to be obtained for limit facilities of Rs.1.00 crore & above
7.
If any account is due for review then concession in Credit Spread given at the time of sanction will continued till entire loan tenure or not?
a)
Will be valid till entire loan tenure
b)
Concession will be valid till next review of account or 1 year whichever is earlier
c)
Permission required from next higher authority
8.
Excess is allowed in the account over & above the sanction limit upto the DLP of excess
a)
True
b)
False
9.
Excess can be given for the period not exceeding ………….days at a time.
a)
7 days
b)
10 days
c)
14 days
d)
15 days
10.
Excess /Adhoc/ TOD is not allowed for account rated below BOB…….
a)
BOB 5
b)
BOB 6
c)
BOB 4
d)
BOB 3
11.
Adhoc can be given in an account for …….times in a financial year by the respective authorities upto the level of DGM Level/ DGM Branch Head
a)
5 times
b)
4 times
c)
3 times
d)
2 times
12.
Adhoc can be given for a period of ………months by the ZOCC-GM
a)
1 month
b)
2 months
c)
3 months
d)
4 months
13.
Branch Headed by an officer cadre …………are not allowed to grant TODs
a)
Upto Scale III -Rural Branch
b)
Scale I & II
c)
All Rural Branches
d)
No such restriction
14.
Is second line or in-charge credit of credit department in all branches are authorised to grant advances against " Zero-Risk Assets"
a)
Only Metro & Urban branches officers allowed
b)
All branches authorised except rural branches
c)
Yes given statement is correct
d)
Not allowed irrespective of area or designation
15.
Scale III can finance upto ……….Lakh under SHG as unsecured advances
a)
5 Lakhs
b)
6 Lakhs
c)
10 Lakhs
d)
15 Lakhs
16.
What is the annual cap of per party limit -individual sanctioning of Scale IV?
a)
15 times of per party limit
b)
20 times of per party limit
c)
25 times of per party limit
d)
30 times of per party limit
17.
If NTB customer wants concession in ROI in MSME segment-Winback . The power rest with………………
a)
COCC-ED & Above
b)
COCC-CGM & Above
c)
COCC-GM & Above
d)
ZOCC-GM
18.
Can a Scale III give a credit facilities to a radiance borrower visited branch for LABOD of Rs.5.50 crore against 03 FD of amounting Rs.10.00 crore ?
a)
Yes
b)
No
c)
Can give upto Rs.1.00 crore as per banks extant guidelines
d)
Can give only upto Rs.5.00 crore as per DLP guidelines
19.
If QIS is not submitted by the borrower what will be penal charges for working capital facilities for outstanding amount of Rs.1.55 crore ?
a)
1.50% p.a
b)
2 % pa
c)
1 % pa
d)
No penal charges applicable
20.
If an account of credit facilities Rs. 5.00 crore not reviewed with in the due date of review due to non submission of all required financial papers . What will be the penal charges in the account is applicable?
a)
2 % pa on the outstanding balance
b)
1 % pa on outstanding balance before one month upto due date of renewal & 1.50 % thereafter till date of submission
c)
1.50 % pa on outstanding balance before one month upto due date of renewal & 2.00 % thereafter till date of submission
d)
2 % pa on outstanding balance before one month upto due date of renewal & 1.50 % thereafter till date of submission
100 %
