DISCUSSION-3 OCT 2018
ANSWER FOLLOWING QUS :
Case study1( 1-10)Total advances Rs 50000 cr, Gross NPA 10% and Net NPA 3% , based on this info answer the following:
1. What is the amount of gross NPA?
a. Rs 4000 cr
b. Rs 4500 cr
c. Rs 5000 Cr
d. Rs 5500 Cr
2. What is the amount of net NPA ?
a. Rs 1000 cr
b. Rs 1200 cr
c. Rs 1500 cr
d. Rs 1800 cr
3. What is the amount for provision for standard loans, if all the standard loan account represent general advance?
a. Rs 150 cr
b. Rs 160 cr
c. Rs 180 cr
d. Rs 200 cr
4. What is the provision on NPA accounts?
a. Rs 3000 cr
b. Rs 3500 cr
c. Rs 4500 cr
d. Rs 5000 cr
5. What is the total amount of provisions on total advances, including the standard accounts?
a. Rs 3500 cr
b. Rs 3680 cr
c. Rs 4000 cr
d. Rs 4200 Cr
6. What is the minimum amount of provision to be maintained to meet the PCR of 70 percent?
a. Rs 3500 cr
b. Rs 3680 cr
c. Rs 4000 cr
d. rs 4200 cr
7. What is the amount of provision for standard loans, if all the loan account represent direct advances to agricultural?
a. Rs 90 cr
b. Rs 112.5 cr
c. Rs 135 cr
d. Rs 180 cr
8. What is the amount of provision for standard loans, if all the standard loan account represent advances to SME sectors?
a. Rs 90 cr
b. Rs 112.5 cr
c. Rs 135 cr
d. Rs 180 cr
9. What is the amount of provision for standard loans, if all the standard loan account represent advances to CRE sectors?
a. rs 112.5 cr
b. Rs 180 cr
c. Rs 337.5 cr
d. Rs 450 cr
10. What is the amount of provision for standard loans, if all the standard loan account represent advances to CRE-RH sectors?
a. Rs 112.5 cr
b. Rs 180 cr
c. Rs 337.5 cr
d. Rs 450 cr
11. Loss assets attracts ....percent provision
a. 150
b. 125
c. 100
d. 50
12. Provision coverage ratio for the non performing assets is ..... percent
a. 50
b. 60
c. 70
d. 80
13. Asset in doubtful 1 category-Rs 500,000/-
Realization value of security - Rs 400,000/-
What will be the provision requirement?
a. Rs 500000/-
b. Rs 400000/-
c. Rs 180000/-
d. Rs 200000/-
14. For standard assets, the provision required is ......percent of the outstanding amount.
a. 0.10
b. 0.20
c. 0.40
d. 0.25
.........................
Case study 2(15-17)
The following data in respect of ABC bank for the profit and loss account ending 31 march 15 and 16 is given as on
31/03/2015 :
total advance- 6578122
gross amount of NPA - 145245
Net amount of NPA 91718
31/03/2016 :5669254
gross amount of NPA - 95650
Net amount of NPA 57173
15. What is the percentage increase or decrease in gross NPA of the bank on 31/03/2016 over corresponding Figures of 2015?
a. 52 percent inc
b. 52 percent dec
c. 34 percent increase
d. 34 percent decrease
16. The total amount of the provision as on 31/03/2016 will be
a. 32425
b. 53527
c. 139595
d. 40595
17. Net NPA percent of the bank as on 31. 03. 2015
a. 1.01 percent
b. 1.40 percent
c. 2.02 percent
d. 2.81 percent
18. Data as on 31.03.2018
Account balance,A=90
security= 10
NPA date 31.10.2015
what is the provision against account A?
19. Data as on 31.03.2018
Account balance,A=100
security= 20
NPA date 31.08.2017
what is the provision against account A?
20. Data as on 31.03.2018
Account balance,A=80
security= 30
NPA date 31.07.2012
what is the provision against account A?
Ans- 80
21. Asset in doubtful category for 2 years-Rs 500,000/-
Realization value of security - Rs 300,000/-
What will be the provision requirement?
a. Rs 500000/-
b. Rs 320000/-
c. Rs 20000/-
d. Rs 175000/-
22. Full forms:
CRILC-
S4A-
PCR-
TEV-
SMA-
LLP-
NCLT-
IBC-
23. ...... indicates the extent of funds a bank has kept aside to cover loan losses provisioning coverage ratio?
quick ratio
minimum capital ratio
Provisioning coverage ratio
24. What is npa norms agri short term loan
25. Total limit of PCR?
26.Types of SMA?
27. Where PCR of the bank disclosed?
ANSWER WILL BE SHARED IN NEXT DISCUSSION WITH ADDITION OF NEW QUESTIONS...HAPPY READING :)
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