Banking Awareness Questions - 03rd August 2014 1. External credit rating agencies as approved by the RBI Answer: CRISIL, ICRA, CARE and FITCH India. 2. What is full form of CRISIL Answer: Credit Rating Information Services of India Limited 3. Approach has been adopted by PNB for Credit Risk Answer: Standardized Approach w.e.f. 31.3.08. 4. Risk weight on Regulatory Retail Portfolio: Answer: 75% 5. Advances have been covered under Thrust Area of Retail segment for 2009-10 Answer: Housing Loans, Education Loans, Auto Loans, Loans to Pensioners, Reverse Mortgage Loan Scheme, Loans to Traders 6. Retail exposure means Answer: Maximum aggregated retail exposure to one counterpart should not exceed the threshold limit of Rs.5 crore. 7. What is meant by Productive Sector Answer: Agriculture, export credit, SME, Infrastructure, Service sector 8. Benchmark PLR (BPLR) of PNB Answer: 11.00% w.e.f. 01.05.2009. 9. The terms Credit Exposures includes Answer: Funded and non-funded credit limits 10. What is meant by substantial exposure Answer: Single borrowers enjoying credit facilities in excess of a threshold limit of 10% of capital funds of a Bank 11. Unsecured Exposure Ceiling Answer: Not exceeding 25% of the total outstanding advances. 12. Advances to individuals against security of shares and debentures Answer: Rs. 10 lakh against physical shares and Rs.20 lakh against dematerialised shares. 13. Credit Scoring Models in retail segment Answer: PNB Score. 14. Valuation when the property is Rs.50 crore & above Answer: done from two valuers on the Bank’s approved panel. 15. Working capital assessment under Nayak Committee: Answer: WC requirements of Rs. 5.00 crore for SME and Rs. 2.00 crore for Traders. 16. Cash Budget System for MPBF is followed in: Answer: Sugar, Tea, Service Sector, construction activity, Film Production. 17. Ceiling on Term Loans as per ALM: Answer: Term loans repayable above 5 years shall not exceed 50% of the term deposits with remaining maturity period of above 5 years. 18. Vetting of Loan Documents: Answer: Rs. 2 crore & above 19. Cut off limit for submission of Legal Compliance Certificate: Answer: Rs.10 lakh & above 20. Preventive Monitoring System (PMS) is applicable on: Answer: Sanctioned limits (FB plus NFB) above Rs. 1 crore. Please Share This Post On Your Time Line.
Posted on: Sun, 03 Aug 2014 15:23:28 +0000
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