Credit Program Entry Test

Which of the following is not a part of 5’ Cs

• Character

• Capacity

• Collateral

• Competitiveness

Which is not the right principle of lending?

• Principle of profitability

• Principle of liquidity

• Principle of management

• Principle of security

Exposure means?

• Only fund based limits

• Only non fund based limits

• both funs based and non fund based limits

• None of the above

What is similar to the birth certificate of a company

• Certificate of incorporation

• Memorandum of Association

• Articles of Association

• Certificate of commencement of business

Advances should be considered only for ………….trusts

• Trust having high net worth

• Registered Trust

• Trusts with reputed trustees

• Trust having Unecumbered properties

Normally, book debts upto how many days are considered for DP calculation

• Entire

• upto 90 days

• upto 120 days

• upto 180 days

What type of loan among the following is considered as good/appropriate?

• Sanctioning a  CC limit of Rs.10 lacs

• Sanctioning a LABOD of  Rs.100 lacs

• It depends upon what is the realistic requirement of the borrower

• It depends upon the what type of credit campaign is going on in the Bank at that time

TL is normally sanctioned for funding

• Working capital requirement

• Capex Requirement

• Non fund requirement

• Import requirement for inventory

Accounts with exposure of Rs.1 crs to Rs.5 crs are monitored via MMR by

• Branch Manager

• Region Office

• Zonal Office

• BCC

MMR is prepared as

• Last day of the month

• 10^th day of the month

• 15^th day of the month

• 1^st day of the month