July 28, 2017

Banking Awareness #13 for IBPS, SBI, RBI, UPSC exams

Loan Policy & Loan Documentation: Banking Awarenessfor IBPS PO, IBPS Clerk, IBPS RRB, SBI PO, SBI Clerk, RBI, LIC, NICL, SSC and UPSC exams


  1. When was the loan system first introduced?
  2. What is the yojana launched by the Punjab National Bank to provide education loan to the poor?
  3. What percent should be the normal loan component for borrowers enjoying working capital credit limit of Rs. 10 crore and above from the banking system?
  4. Who will decide on their own as to which item should be included for consideration as current assets or current liabilities?
  5. In regard to which charge, banks are free to evolve their own guidelines for ensuring credit discipline?
  6. What is an internationally practiced model for financing credit requirements?
  7. What was introduced for borrowers enjoying working capital credit limit of Rs. 10 crore and above from the banking system?
  8. The minimum level of loan component for large borrowers was fixed at _____.
  9. What are Commercial paper, Certificate of deposit and term deposit with banks?
  10. In case of loans to the borrowers under priority sector in Urban Cooperative Bank, no penal interest should be charged for loans up to _____.
  11. The urban cooperative banks should not finance a borrower already availing credit facility from another bank without obtaining _____ from the existing financing Bank.
  12. On the recommendations of which committee did, the Reserve Bank of India started implementing the prudential guidelines on asset classification, income recognition and provision of loan assets?
  13. What is the basis for treating a credit facility as Non-Performing?
  14. Expand MIGA.
  15. Where is the Institute for Development and Research in Banking Technology located?
Banking Awareness for IBPS, SBI, RBI, UPSC exams

Answers



  1. 1995
  2. Kisan Balak Shiksha Protsahan Yojana
  3. 80%
  4. Banks
  5. Commitment charge
  6. Syndication of loans
  7. Loan system for delivery of bank credit
  8. 80%
  9. Shot term Money Market Instruments
  10. Rs. 25,000
  11. No objection certificate
  12. Narasimhan committee
  13. Past due
  14. Multilateral Investment Guarantee Agency
  15. Hyderabad

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