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1) Which of the following is the risk associated with the retail banking?

i) Strong recovery strategy

ii) Definite lending limits

iii) Effective credit process and proposals

iv) Inadequate risk pricing

2) Lenders may not provide trade-offs to the borrowers on the basic term of consumer installment credit relating to?

i) Interest rate

ii) Maturity of the loan

iii) Maturity of the deposit

iv) Quantum of finance

3) Which of the following is not a function of the agent bank in loan syndication?

i) Ensuring the compliance of conditions precedent under the loan agreement

ii) Determining the LIBOR interest rate for each interest rate

iii) Planning for future syndication of loans

iv) Receiving notices relating to cancellation of any part of the loan

4) The advantage of consortium finance is?

i.Speedy transactions and individual approach

ii.Involvement of huge amounts

iii.Use of expertise of all the banks

i only

ii only

iii only

i, ii and iii 

5) Which of the following statements is true? 

i) SSI is an undertaking in which the investments in fixed assets in plant and machinery does not exceed one million

ii) Small and medium enterprises both in size and shape are not homogeneous in nature

iii) The small and medium enterprises contribution towards the GDP is nominal

iv) Small and medium enterprises do not support the large industries.

Ans:Small and medium enterprises both in size and shape are not homogeneous in nature

6) Which of the following is not a phase/step in the formation of loan syndication?

i) Finalization of supply agreement

ii) Identify the needs of the borrower

iii) Preparation of information memorandum

iv) Invite other banks to participate

7) Which of the following is not a part of the rehabilitation package granted for revival of sick industry?

i) Waiver of penal interests

ii) Funding by sanctioning of term loans towards the unpaid installments of loans

iii) Grant of additional working capital loans

iv) Not demanding the promoters contribution towards the rehabilitation package.

8) The Nayak Committee has suggested the turnover method for assessing the working capital and pegged it at?

i) 15% of the projected annual turnover, as working capital limit

ii) 20% of the projected annual turnover, as working capital limit

iii) 25% of the projected annual turnover, as working capital limit 

iv) 30% of the projected annual turnover, as working capital limit

9) Which of the following resources cannot be secularized?

i) Credit balances outstanding in cash credit accounts

ii) Credit Card receivables

iii) Hire purchase receivable

iv) Mortgage in lieu of future payments

10) Service Area Approach is associated with?

i) Industrial finance

ii) Micro-finance

iii) Rural finance

iv) Consortium finance