Model Online Promotion Test For Officers Recollected Questions 2010
These are Recollected Questions by a candidate after II to III exams in 2010. Please take Quiz Password by e Mailing to [email protected] Com your full particulars like Name,Age,Place of Work/Study,Designation/Course,Phone/Mobile No and AddressWith Best WishesN. RangarajanSenior Managerof A Public Sector Based Bank @ Trichy
- 1.What are the occasions in current account, interest will be given?
- A.
In the deceased depositors account, from the date of death of depositor to till date of claim settlement to Nominee/Legal Heirs
- B.
In Institutional Accounts
- C.
In Accounts where balance exceeds Rs 100 lacs on an average
- D.
In the accounts of Service organizations and Govt Departments and PSUs
- 2.What is the single borrower limit to Partnership Firms for Projects Other than Infrastructure under Prudential Exposure Norms?
- A.
Rs 400 Crore under MCB
- B.
20% of Capital Funds with approval of Board
- C.
40% of Capital Funds with approval of Board
- D.
Rs 500 Crores under CMD
- 3.A crossed Cheque is presented over the counter by another Bank as agent for Collection.We cannot pay cash and have to issue counter Draft.
- A.
True
- B.
False
- 4.In No Frill account what is the maximum number of transactions ?
- A.
No Ceiling
- B.
4 Transactions per month
- C.
50 Transactions per Year
- D.
25 Transactions per Half year
- 5.What is the Bank’s risk in financing Unregistered Partnership firm?
- A.
If full collateral security is taken, no risk
- B.
The firm cannot sue its customers on their contracts and hence it cannot proceed against its debtors to recover its dues.
- C.
Reputation Risk
- D.
Registration Risk and Hence Unsecured Creditors
- 6.Current assents = 48, NWC =12 , what is Current Ratio?
- A.
2
- B.
1.33
- C.
1.25
- D.
4
- 7.PBT is 36 lacs Tax Liability Rs 7 lacs Annual Int on TL 1 lacs Depreciation Rs 3 lacs Annual EMI Rs 22 lacs Calculate DSCR
- A.
1
- B.
1.5
- C.
2
- D.
None of the above
- 8.What is the Legal relationship of Nominee to that of Legal heirs?
- A.
Beneficiary _ Trustee
- B.
Debtor - Creditor
- C.
Principal _ Agent
- D.
Trustee - Beneficiary
- 9.Term Loan Proposal is received.What are the crucial ratios to be analysed?
- A.
DSCR/FDER
- B.
DSCR/TOL to TNW
- C.
Defensive Interval Ratio/Leverage Ratio
- D.
Profitability Statement
- 10.Mr.Naresh gives POA to Mr.Suresh to operate Bank Account. Cheque signed by Suresh comes in clearing. But the Bank Clearing officer has seen the obituary column in that day's News Paper that Mr.Naresh expired. What is the course of action for Bank?
- A.
Pay the cheque
- B.
Return the Cheque as the death/insolvency/lunacy of the Principal will affect the validity of POA
- C.
Contact the Legal Heirs of Principal and subject to their confirmation we can pass the cheque.
- D.
Discuss with Law Officer/Panel Advocate and do the needful.
- 11.What is the maximum Forex Entitlement for Medical Treatment abroad for a patient?
- A.
AD Category I banks and AD Category II, may release foreign exchange up to USD 100,000 or its equivalent to resident Indians for medical treatment abroad on self declaration basis, without insisting on any estimate from a hospital/doctor in India/abroad
- B.
A person visiting abroad for medical treatment can obtain foreign exchange exceeding the above limit, provided the request is supported by an estimate from a hospital/doctor in India/abroad.
- C.
An amount up to USD 25,000 is allowed for maintenance expensesof a patient going abroad for medical treatment or check-up abroad, or to a person foraccompanying as attendant to a patient going abroad for medical treatment/check-up.
- D.
All the above
- 12.What is the percentage of Export Credit to Adjusted Net Bank Credit?
- A.
40%
- B.
18%
- C.
1%
- D.
12%
- 13.The guarantor has paid the dues of Principal debtor to the Creditor? What is the right of recovery of guarantor from the debtor now?
- A.
Right of Foreclosure
- B.
Right of Set Off
- C.
Right of Subrogation
- D.
Right of Appropriation
- 14.What is the maximum loan limit under Sanjeevini Scheme in Rural and Semi Urban Areas?
- A.
50 lacs and Ten Lacs
- B.
25 lacs and 100 lacs
- C.
50 lacs and 100 lacs
- D.
10 lacs and 50 lacs
- 15.Stock statement not submitted for 3 months in a OCC account .When the OCC will be NPA?
- A.
90 days after the DP becoming Nil
- B.
90 days from the date of Non-submisstion of Stock Statement
- C.
180 days after the DP becomes Nil
- D.
None of the above
- 16.Loan o/s 15 Lac, security- 10 lac, D2, How much provision ?
- A.
3 lacs
- B.
6 lacs
- C.
8 lacs
- D.
10 lacs
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