The 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 referred to as which committee?

Which Board-approved committee is for vetting new products or modification in existing products and is also the approving authority for new processes and/or modifications of the existing processes?

Which of the mentioned does not come 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 falls under the definition of Non-Regulatory MSME Borrowers (pick the odd one out)?

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

Expand the acronym RCSA as per GCEMP 2024.

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

Looking into the market dynamics and the economic scenario, all sectors/industries will be categorized in terms of their future outlook. Which of the following is not one of the outlook categories?

Priority Sector Lending Certificates (PSLC) are of 4 types counting for achievement. Which one is not among the four types?

The lot size under PSLC is how many lakh rupees and multiples thereof?

The Bank may issue PSLC subject to meeting respective sector/sub-sector targets and having minimum surplus of what percentage?

While considering fresh exposure to a single counterparty, any amount leading to the aggregate exposure to that counterparty exceeding Rs. ____ crore will be subject to Activity Clearance (Category A) from COCC-GM for specific industries as per GCEMP 2024.

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.

For MSME exposures of above Rs. 7.50 crore up to Rs. 100 crore, which ratings will only be applicable for arriving at the rate of interest?

Fresh/incremental business may be undertaken in ____ rated accounts based on the decision rules of the Credit Vision Algorithm of CIBIL. No fresh/incremental business will be allowed in ____ or below rated accounts (For sanction limit less than 1 crore). Choose the pairing that correctly completes both blanks.

RAROC is required to be computed for each credit exposure and the same is required to be compared with which benchmark?

What percentage is mentioned as the Hurdle rate as per GCEMP 2024?

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.

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?

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.

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

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.

TAT for disposing Priority Sector loan of Rs 25000/- and above at branch 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 90 days to 180 days, authorities not below the level of _____ may allow the same within their respective DLP.

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&IC, 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.

As per GCEMP, Valuation of immovable property mortgaged to the bank should be done once in every ____ years except in cases of Housing loans, where the facility is classified under standard category.

What is periodic inspection frequency for working capital finance for rating MSME BOB4?

What is maximum MSME Digital Renewal Limit?