Bank Promotion Mock Test-02

Welcome to your Bank Promotion Mock Test-02

11. For single or individual borrower being an infrastructure company, the exposure ceiling as fixed by RBI, is :

a. 20% of the paid up capital of the bank

b. 20% capital fund of the bank

c. 25% of capital fund of the bank

d. 25% of paid up capital of the borrower

12. In case of single or individual borrower, being an oil marketing company, the exposure ceiling as fixed by RBI , is [which is true ]:

a. 20% of the paid up capital of the bank

b. 20% capital fund of the bank

c. 25% of capital fund of the bank

d. 25% of paid up capital of the borrower

13. In case of group borrower, what is the exposure ceiling as fixed by RBI:

A. 40% of the paid up capital of the bank

b. 40% capital fund of the bank

c. 50% of capital fund of the bank

d. 50% of paid up capital of the borrower

14. In case of group borrower being infrastructure companies, what is the exposure ceiling as fixed by RBI,:

a. 40% of the paid up capital of the bank

b. 40% capital fund of the bank

c. 50% of capital fund of the bank

d. 50% of paid up capital of the borrower

15. Banks are required to submit information to CRILC in the following cases:

A. Where the fund and non – fund based exposure is at least Rs.5 cr

b. Where the account falls in SMA-2 category

c. Where the balance in a CA exceeds Rs. 1cr

d. All the above

16. Loan to value ratio of loan against gold jewelry can be:

a. 75% maximum

b. 75% minimum

c. 80% maximum

d. 80% minimum

17. Bank cannot lend on the security of their own shares as per restriction imposed by:

A. Reserve Bank of India

b. RBI Act 1934 section 20[2-a]

c. Banking regulation Act 1949 [ section 20]

d. Security & Exchange Board of India [SEBI]

18. which of the following is correct with regard to loans against the security of shares to individual:

a. amount of loan is restricted to Rs. 10 lac if shares are in physical form and Rs. 20Lac in case of demat shares

b. Amount of loan is restricted to Rs. 20lac if shares are in physical form and Rs. 10 lac in case of demat

c. Margin is 50% for loan against paper shares and25% for demat shares

d. a And c

19. the bank can hold shares of a company as pledgee or mortgagee or owner etc. maximum to the extent of :

A. 30% of paid up capital of bank or 30% of paid up capital of the company, whichever is lower

b. 30% of paid up capital of bank or 30% of paid up capital + reserves of the company , whichever is lower

c. 30% of paid up capital + reserves of bank or 30% of paid up capital of the company , whichever is lower

d. 30% of paid up capital of bank or 30% of paid up capital of the company, whichever is higher

20. which of the following loans can be sanctioned by banks:

a. Loan against certificate of deposit

b. Loan against commercial paper

c. Loan against deposit of other banks

d. None of the above

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