The ___________________ is a senior management committee headed by Managing Director & CEO and responsible for effective and continued implementation of the Bank's credit risk management policy and guidelines issued in this regard by the Board.

_________________ is Board approved committee for vetting of new products or modification in existing products, which is also approving authority for new processes and / or modifications of the existing processes.

________, for the proposals falling up to the powers of COCC-CGM, will have the power for considering deviation, modification, concession, and waiver from the guidelines detailed in this Policy, if not specified elsewhere.

For scheme specific deviation, modification, concession, and waiver which is not mentioned in the scheme or scheme related guidelines or not specified in the Policy, _______ and above authorities may approve the deviation, modification, concession, and waiver as per their respective DLPs.

Which of the mentioned does falls under the definition of Corporate & Institutional Credit Borrowers?

Which of the mentioned does not come under the definition of Regulatory MSME Borrowers?

Which of the mentioned does not comes under the definition of Non- Regulatory MSME Borrowers?

Which of the mentioned comes under the definition of Rural and Agricultural Banking Business Borrowers?

Who will prepare an annual credit expansion plan for each financial year as per GCEMP?

Expand RCSA as per our GCEMP

Proposals with exposure of Rs. 50 crore and above (or equivalent in other currencies) will be processed by officers having any of the qualifications without having minimum experience of 3 years except which one?

Looking into the market dynamics and the economic scenario, all the sectors / industries will be categorized in terms of their future outlook, which of the below mentioned is not one of them?

Exposure will be limited to the borrowers with external rating of ____ and above for C&IC under Negative outlook sectors.

Exposure will be limited to borrowers with external rating of ____ and above for Regulatory & Non- Regulatory MSME and Rural & Agriculture borrowers having exposure above Rs. 50 crore (from banking industry) under negative outlook.

In the case of MSME and Rural & Agriculture borrowers having exposure beyond Rs. 50 crore (from the banking system) and Corporates where the industry is having negative outlook and the borrower not meeting the external credit rating threshold, _____ is authorized to consider and approve proposals falling up to his powers of COCC-CGM.

Priority Sector Lending Certificates are of 4 types counting for achievement towards, which one is not among the 4?

PSLC can be issued up to ___% of previous year's PSL achievement without having underlying in its Books

The lot size is Rs. ___ lakh and multiples thereof under PSLC.

State True/False for PSLC, There will be no transfer of credit risk on the underlying as the tangible assets are not transferred.

The Bank may issue PSLC subject to meeting respective sector / sub sector targets and having minimum surplus of ___%

While considering the fresh exposure to a single counterparty by any amount leading to the aggregate exposure to that counterparty exceeding Rs. ___ crore, will be subject to Activity Clearance from COCC-CGM for specific industries as per GCEMP 2024.

State True/False. The requirement of activity clearance will be applicable only at the time of taking fresh sanction and not at the time of Review/ RWI.

State True/False. Financing against 100% cash collateral will require Activity Clearance.

State True/False. Agreement In Principle is required in the case of fresh proposals of Corporate with external credit rating below "A" and falling beyond the ZOCC-GM powers.

Agreement In Principle is required in the case of fresh proposals of MSME and Agriculture with external credit rating below "BBB" and falling beyond the ZOCC-GM powers.

For MSME exposures of above Rs. 7.50 crore up to Rs. 100 crore, _______Ratings will only be applicable for arriving rate of interest

Fresh/incremental business may be undertaken in _____ rated accounts based on the decision rules of Credit Vision Algorithm of CIBIL. No fresh/ incremental business will be allowed in ____ or below rated accounts (for sanction limit less than 1 Cr)

RAROC is required to be computed for each credit exposure and the same is required to be compared with____.

What is the percentage that is mentioned as Hurdle rate as per GCEMP?

During any financial year, RAROC for at least ____% of the C & IC customers with exposure of Rs. 50 crore and above (excluding exempted categories) must meet the prescribed COE mentioned above or as revised from time to time.

For loans and advances, the aggregate amount written off in regard to all the credit facilities provided to the borrower by the Bank/other banks/NBFCs should not be higher than Rs. __ lakh.

In case of write off account under consideration for fresh exposure/RWI/takeover, the CIBIL score of the applicants must be at least in case of retail loans;

State True/False. While considering deviation proposals where write-off / settled amount is not available in CIBIL/ other bureau report, sanctioning authority may consider 'High Credit' amount displayed in CIBIL / other bureau report for the purpose of quantifying the write-off / settled amount.

State True/False. As per Section 20(1) of the Banking Regulation Act, 1949 loans and advances to the directors and the firms in which they hold substantial interest are allowed.

Unless sanctioned by the Management Committee of the Board, the Bank shall not grant loans and advances aggregating Rs. _______ & above to Directors (including the Chairman/Managing Director) of other banks* (Other than personal loans)

Unless sanctioned by the Board of Directors/Management Committee of the Board, the Bank will not grant any Personal Loans (as defined by RBI in its circular DBR.No.BP.BC.99/08.13.100/2017-18 dated January 04, 2018) aggregating to Rs. ___crore and above to any director of other banks.

Any other Loans (Other than Retail Loan) to the Staff and their family members' up to Scale III and their relatives shall be sanctioned by ____ and above authorities as per their respective DLPs.

'Large Exposure' (LE) is defined as the sum of all exposure values of the Bank to a counterparty or a group of connected counterparties if it is equal to or above ___% of the Bank's Eligible Capital Base (ECB).

What is the maximum aggregate exposure (FB+NFB) for individual/ proprietor as borrower is?

What is the maximum aggregate exposure (FB+NFB) for Non-Corporates (Partnerships®, Trusts, and Associations as borrower is?

What is the maximum ceiling limit in Loans against security of shares, convertible bonds, convertible debentures and units of equity oriented mutual funds in Demat to individuals provided there is no credit facility obtained from the rest of the banking system in this regard?

What is the maximum ceiling limit in Loans/advances to any individual against security of shares, convertible bonds, convertible debentures, units of equity oriented mutual funds and PSU bonds for subscribing to IPOs provided there is no credit facility obtained from the rest of the banking system in this regard?

MSME and Food & Agro customers with aggregate credit exposures between Rs. 2 lakh and up to Rs. ____ are to be rated under BOBICON MSME Score Card model.

Corporate Portfolio i.e., those with aggregate credit exposures greater than or equal to US$ _____ or equivalent are rated as per BOBICON.

Credit rating shall not be reviewed for accounts in default status and such accounts shall be in credit rating grade of ______ for the period account was under default.

External credit rating for MSME/Agriculture borrowers with exposure to the banking system up to Rs. ____ may not be insisted upon.

Margin percentage for land and building prescribed in GCEMP is

Margin percentage for Plant & machinery (new) prescribed in GCEMP is

Margin percentage for Plant & machinery (second hand) prescribed in GCEMP is

Margin percentage for post sanction credit prescribed in GCEMP is

Overall Margin for Real Estate Projects as per GCEMP is____

No Techno-Economic Viability (TEV) study may be insisted upon for project cost up to Rs. ____ crore.

For project cost above Rs. __ crore and up to Rs. ___ crore, the TEV Study should be carried out by the Bank's Technical Officer posted in the Zone concerned or by an empanelled consultant.

For project cost above Rs. ___ crore, the TEV Study should be carried out by the Bank's Technical Officer/s posted in Project Finance Division at BCC.

Who is the competent authority to waive TEV study for project cost up to Rs 100 crore?

Loan in foreign currency can be given in 5 freely convertible currencies. Which of the below is not one of them?

TAT for disposing Priority Sector loan of Rs 25000/- and above at branch level is how many days?

TAT for disposing Priority Sector loan of Rs 25000/- and above at RO/ZO level is how many days?

TAT for disposing Priority Sector loan of Rs 25000/- and above at BCC level is how many days?

TAT for disposing Retail loan of at Branch level is how many days?

State True/False. For Retail loans, with exposure of Rs. 5 lakh and above (Home Loans- Rs. 10 lakh and above) and commercial loans with exposure of Rs. 25 lakh and above, credit report from at least two recognised credit information bureaus is mandatory.

In case drawings are to be allowed for book debts for more than 180 days, authorities not below the level of _____ may allow the same within their respective DLP.

In case drawings are to be allowed for book debts for more than 90 days to 180 days, authorities not below the level of _____ may allow the same within their respective DLP.

In the case of borrowers having aggregate fund-based working capital limit of Rs. 150 crore and above from the banking system, a minimum level of 'loan component' of ___ percent was effective from July 1, 2019.

In case of credit exposures falling within the DLP up to DBDCC, minimum cash margin of 20% on LC/BG exposure is to be stipulated, however ZOCC-GM may allow reduction in margin up to __% for proposals falling up to the power of DNCC.

State true/false. Export credit limit in Foreign Currency will be sanctioned in one of the convertible currencies viz. US Dollars, Pound Sterling, Japanese Yen, Euro.

The Gems, Jewellery & Diamond accounts with export credit working capital limits up to Rs. ___ crore per exporter group from entire banking system shall be covered under Whole Turnover policy (WT-ECIB) for existing new and incremental limits.

In the case of properties acquired during the last ___ months, amount of Registered Sale Deed or the Realisable Value whichever is lower should be taken as value of property and the same be taken for the purpose of calculation of FACR/ Security Coverage Ratio / Loan to Value Ratio.

Second Valuation Report from other empanelled valuers approved by the Bank shall be obtained (for all type of proposals C&lC, MSME, Retail and Rural & Agri) in case the Realisable Value of the first Valuation Report exceeds threshold limit of Rs._______in case of agriculture land situated at other centres

The revalidation of the sanction can be done maximum -____- time/s consecutively, subject to the total period of 1 year from the date of initial sanction.

For Micro & Small segment, no prepayment penalty for fixed rate loans for limits up to Rs. ___ lakh and for floating rate loans irrespective of any limit.

Stock / Book Debts Audit is to be carried out mandatorily in all accounts having fund-based and non- fund based working capital facilities of Rs. __ crore and above with the Bank.