Banking Credit Management

15 Questions | Total Attempts: 642

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Banking Quizzes & Trivia

This test is designed to test the basic knowledge in Bank Credit Management


Questions and Answers
  • 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