Credit Risk Management Policy Part 4

6 May 2014

Social:

31. The current Base Rate of the Bank is:
a) 10.50%
b) 11.00%
c) 11.50%
d) 10.25%

32. Rate applicable to a “AA” rated borrower as per Risk Based Pricing (RBP) is:
a) Base rate + 4.00%
b) Base rate + 4.50%
c) Base rate + 5.25%
d) Base rate + 6.00%

33. Additional load factor (on Term Loans only and not on working capital facilities) as per residual tenor of term loan above 7 years is:
a) 25 bps
b) 50 bps
c) 75 bps
d) 100 bps

34. Which of the following are excluded from RBP?
a) Staff loans
b) Agriculture loans
c) Realty Rental Scheme
d) All of the above

35. Which of the following is the objective of a Credit Audit?
a) Improvement in the quality of credit portfolio
b) Review sanction process and compliance status of large loans
c) Feedback on regulatory compliance
d) All of the above

36. Eligible financial collaterals prescribed by RBI for Credit Risk Mitigation purpose are
a) Securities issued by Central and State Governments
b) Cash and Gold
c) Both a) and b)
d) None of the above

Answers

1C	2A	3D	4A	5C	6D	7D	8B	9C	10A
11A	12B	13A	14B	15C	16B	17A	18C	19B	20D
21B	22C	23C	24A	25C	26A	27A	28B	29C	30B
31D	32B	33D	34D	35D	36C

Other Links
Credit Risk Management Policy Part 1
Credit Risk Management Policy Part 2
Credit Risk Management Policy Part 3

Post Category : Banking , Core Banking System , Credit Risk Management Policy