1. Objective of
credit monitoring is . . .
a) Ensuring maintenance of high quality credit
portfolio
b) Ensuring that the
borrowers bring in more business to the Bank
c) Appraise the
performance of credit department
d) None of the above
2.
One of the effective monitoring tools in credit monitoring is
a) Collateral Security
of more than 100% loan value
b) Obtaining references
from respectable persons about the borrower
c) Periodic stock inspection
d) None of the above
3.
Adverse features/warning signals in the operations of a loan account can be . .
…..
a) Delayed submission
of stock statements and other information
b) Delayed payment of
installments and interest
c) Frequent bouncing of cheques /frequent
requests for overdrawing
d) All of the above
4.
Two of the assets to be verified during stock verification are
a) Fixed assets and
non-current assets
b) Stocks and book debts
c) Capital and free
reserves
d) None of the above
5.
The main aim of supervision and follow up in credit monitoring is
a) Ensure full capacity
utilization
b) Regular submission
of MIS
c) Ensuring end use and safety of funds lent
d) None of the above
6.
A NPA is a loan or advance (Non-agricultural loans) where
a) Interest and/or installment of principal remain
overdue for a period of more than 90 days
b) Interest and/or
installment of principal remain overdue for a period of more than 180 days
c) Interest and/or
installment of principal remain overdue for a period of more than 270 days
d) None of the above
7.
A cash credit account will become NPA if …
a) Remains out of order for more than 90 days
b) Stock statement not
submitted for 60 days
c) Account not reviewed
for 3 months
d) All of the above
8.
An asset is classified as sub-standard
a) If the asset has
remained NPA for a period less than or equal to 18 months
b) If the asset has remained NPA for a period
less than or equal to 12 months
c) If the asset has
remained NPA for a period between 12 months and 15 months
c) None of the above
9.
If unsecured assets are classified as sub standard it will attract an
additional provision of
a) 2% of the total
outstanding
b) 5% of the total
outstanding
c) 10% of the total outstanding
d) None of the above
10.
Unsecured portion of a doubtful asset will attract a provision of…
a) 25% of unsecured
portion
b) 50% of unsecured
portion
c) 100% of unsecured portion
d) None of the above
Answer-
1
|
2
|
3
|
4
|
5
|
6
|
7
|
8
|
9
|
10
|
a
|
c
|
d
|
b
|
c
|
a
|
a
|
b
|
c
|
c
|
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