IIBF Exam 36-50

Banks extend loans for various purposes mainly out of ___________ .

• Market borrowings in the form of bonds

• Capital funds of shareholders

• Major portion of funds mobilized from deposits

• Funds borrowed from RBI

The repayment of loans depends upon _________

• Borrower’s capacity to pay only.

• Borrower’s willingness to pay only.

• Borrower’s income generation only.

• All of the above

KCC means ________

 

• Kisan Cash Credit

• Kisan Cash Cards

• Kisan Customer Cards

• None of the above

Security obtained for a crop loan of Rs 1 Lakh under Kisan Credit Card is ___________

• Third party guarantee

• Mortage of land

• Hypothecation of crops

• All the above simultaneously

The maximum loan limit permitted for Kisan Credit Card is ___________

• The estimated short term loan limit for the 5^th year plus estimated long term loan limit

• The estimated short term loan limit plus estimated long term loan limit

• The estimated short term loan limit for the 3^rd year plus estimated long term loan limit

• None of the above

A ‘Standard Asset’ of a bank is defined as an asset which is __________

• Not a Non-Performing Asset

• A Doubtful Asset

• A Loss Asset

• None of the above

Which one of the following supportive measures are not expected to be taken by bank staff in respect of their borrowers?

 

• Facilitate tie-up with processing agencies

• Providing guidance for the best way of marketing their products

• Arranging for credit facilities from private sources

• Liaison with appropriate agencies for supply of inputs.

A term loan is a non-performing asset (NPA) if interest and / or installment of principle remain overdue for a period more than ______ days.

• 30

• 60

• 90

• None of the above

The number of categories of non-performing assets is ______

• Three                                              

• Four                                                               

• Six                                                    

• Two

Loans and advances for a bank are __________

• Assets

• Liabilities

• Income

• expenditure