General Credit Guidelines

What is the haircut to be taken in case of CGTMSE coverage ?

• 75 % of coverage available
• 50 % of coverage available
• 25 % of coverage available
• 20 % of coverage available

What is the maximum concession in mark up allowed in our bank as per Takeover & Winback Guidelines for NTB ?

• 20 bps
• 30 bps
• 25 bps
• 55 bps

Penal charges shall not exceed ………... % of the outstanding balance of credit facilities of borrower , irrespective of the number of non –compliance instances

• 1 %

• 2 %

• 6 %

• 4 %

What is the full form of RAROC

• Risk Adjusted Return on Investment Capital Employee
• Risk Return Adjusted Investment on Capital
• Risk Adjusted Return on Capital
• Return Adjusted Risk on Capital

Full concession can be given in ROI for SP and Credit Spread for Takeover (NTB) cases?

• Yes
• Not allowed
• Yes deviation power rests with repective higher authorities
• Allowed upto BRLLR

Is QIS statement to be obtained in the facilities sanctioned?

• No
• Yes in all facilities
• It has to be obtained for limit facilities above Rs.1.00 crore
• It has to be obtained for limit facilities of Rs.1.00 crore & above

If any account is due for review then concession in Credit Spread given at the time of sanction will continued till entire loan tenure or not?

• Will be valid till entire loan tenure
• Concession will be valid till next review of account or 1 year whichever is earlier
• Permission required from next higher authority

Excess is allowed in the account over & above the sanction limit upto the DLP of excess

• True
• False

Excess can be given for the period not exceeding ………….days at a time.

• 7 days
• 10 days
• 14 days
• 15 days

Excess /Adhoc/ TOD is not allowed for account rated below BOB…….

• BOB 5
• BOB 6
• BOB 4
• BOB 3