Banking Credit Management
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This test is designed to test the basic knowledge in Bank Credit Management
- 1.Accepting of deposits and Lending by a bank is called as
- A.
Bankers duty Bankers duty Bankers Duty
- B.
Secondary Function
- C.
Primary Function
- D.
Ancillary Function
- 2.Income that earned by performing ancillary services by the banks is called as
- A.
Interest Income
- B.
Non Interest (Commission) Income
- C.
Not Known
- D.
Fee Based Income
- 3.Retail lending is
- A.
Lending to corporates Lending to corporates Lending to corporates Lending to Corporate
- B.
Lending to small biz.men
- C.
Agriculture Loans
- D.
Loans to many people
- 4.NPA is
- A.
Newly Proposed Asset Newly Proposed Asset
- B.
Non Performing Asset
- C.
Non Potential Asset
- D.
Newly Praised Asset
- 5.Priority sector target for PSB's is
- A.
40% of Net Bank Credit
- B.
30% of Net Bank Credit
- C.
35% of Net Bank Credit
- D.
25% of Net Bank Credit
- 6.CASA is
- A.
Capital Account Special Account
- B.
Current Account Special Account
- C.
Current Account and Savings Account
- D.
Capital Account substitute Account
- 7.3 C's
- A.
Character , Control , Capital
- B.
Character , Capacity , Capital
- C.
Control , Confidence ,Capital
- D.
Character , Confidence , Capital
- 8.Primary Security
- A.
Security Given at First Time
- B.
Lowest Value Security
- C.
Security Created out of Bank Loan
- D.
Security for First Loan
- 9.Maximum Credit Exposure Permitted for an Individual is
- A.
15% of the Capital Fund
- B.
40% of the Capital Fund
- C.
25% of the Capital Fund
- D.
35% of the Capital Fund
- 10.Prospecting is
- A.
Preparation of Loan Prospectus
- B.
Identifying a New Borrower
- C.
Postponing the loan Sanction
- D.
Not known
- 11.CBA is
- A.
Cost Based Accounting
- B.
Cost Based Audit
- C.
Cost Benefit Analysis
- D.
Credit Based Analysis
- 12.ECGC is
- A.
Export Claims Guaranteed Corporation
- B.
Export Corporation Guaranteed Claims
- C.
Export Credit Guarantee Corporation
- D.
Export Credit Group Claims
- 13.CC is
- A.
Current Cash
- B.
Cash Credit
- C.
Credit Control
- D.
Current Claim
- 14.OD is
- A.
On Duty
- B.
Official Disbursement
- C.
Overdraft
- D.
Overdoing
- 15.A Credit policy seeks to achieve balance between
- A.
Credit Quality, Earnings and Credit Quality, Earnings and Volume
- B.
Debt Service Ratio
- C.
Credit Service Ratio
- D.
Current Ratio
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