ABM unit 26 overview of credit management unit 27 analysis of financial statements

Discussion 24.09.18

1. After nationalisation of banks,RBI was able to exercise ______ control on banks in credit matters
lesser
more
same
no
Ans- more

2. Individuals follow which act
a. Indian partnership Act
b. societies Registration Act
c. waqf Act
d. Indian Contract act
Ans- d

3. Collateral free loans up to ....?

4. Weaker section Target as per Priority Sector guidelines:
Ans- 10% of ANBC or CEOBE whichever is higher.

Balance Sheet is a statement of Assets and Liabilities or statement of Sources and Uses
(a) as on a date (b) as on 31st March (c) for 12 months (d) for a particular period (e) none of these
Ans-a

Assets can be represented as :
(a) uses of funds (b) sources of funds (c)what the business owns (d) both (a) and (c) above
Ans- d

Liabilities can be represented as :
(a) sources of funds (b) uses of funds (c) what the business owes *(d) both (a) and (c) above

RBI announces its monetary at....
begining of financial year

MPBF?
Ans- Maximum permissible bank finance

Interest rates , regulated by RBI are applicable for credit limits upto Rs .... lakh
Ans- 2 Lakh

A bank cannot grant any loans and advances on the security of its own shares under the provisions of:
a. Section 19(B) of Banking Regulation Act Section,
b. 21(3) of Banking Regulation Act
c. Section 20(1) of Banking Regulation Act Section ,
d. 21(B) of Reserve Bank of India Act
Ans- c

No penal interest should be charged loan up to ?
25000

Exposure ceiling limits for individual?
15% of capital fund

Which act prescribed the format of balance sheet?
Ans- Companies Act

Sub target for micro enterprises?
7.5

Credit policy announces by RBI...?a.yearly b. Twice a year c.quaterly d.half yearly
Ans-b

Housing loan limits under priority sector ? Both for metro & other
Ans- Metro up to 28 lac for individual & overall 35lac & 5lac for repair
Other 20lacs & 25lac overall & 2lac repair

MCLR?
Marginal Cost of Lending rate
1st April 2016

How mclr is calculated

Credit  exposure ceiling limit for individual?

Mclr will comprise of?
Marginal cist of fund
Negative crr
Operating cost
Tenure premium

Target for domestic banks for advances to weaker section?
10% of ANBC or Credit equilent amount

Clss?And rate of subsidy?
Credit linked capital subsidy scheme,15prcnt

Upto what amount collateral not required under msme act
10

Composite loan limit?
Max one crore

Kvi ? And which priority sector is it classified?
khadi n village industries sector, priority sector

TReDS?
Trade receivable discounting system
TReDS is an online mechanism for facilitating the financing of trade receivables of MSMEs through multiple financiers.

What is ps target of m/s farmer
8 %for small & mf
18 % of anbc agriculture

Difference between small & marginal farmers?
Marginal farmers below 1hectare
Small farmers 1-2hectare

No service charges on loan up to?
Rs 25000 ps loan

Small enterprises investment in manufacturing?
25 lakh to 5 crore

Types of reserves?
General reserve ,capital reserve, revaluation

Fair practice codes are mandatory or not?
Mandatory

Preliminary expenses which type of asset?
Intangible

FDR's ?Which assets?
Current

Net worth=?
excess of assets over liability
Assets- Liability

Security deposit?


Liquidity ratio describe ?
Current ratio n quick ratio
It examine borrower liquidity position over 1 yr



Correct me for any mistake . and add more qus in comment section.