The pricing of Bank's products is fixed/revised through

committee is known as
a. Asset Liability Committee
b. Management Commi-ttee
c. Head Office Credit Committee
d. Executive Committee
Rescheduling of Credit is done as per the circular issued from
_of Bangladesh Bank.
a. Department of Off-site Supervision
b. Department of Banklng Inspection
c. Banking Regulation & PoJ-icy Department
d. Department of Financial fnstitutions & Markets
To f acil-itate export of an export oriented garments industry,
facility is allowed to a customer.
a. Packing Credit
b. Cash Credit
c. House Building Loan
d. Overdraft (Work Order)
Which of the following statement is true?
a) Loan has a repayment schedule and the
amount repaid can be re-drawn.
b) Advance does not have a repayment schedule
and the amount repaid can not be re-drawn.
e) Loan has a repayment scheduLe and the
amount repaid can not be re-drawn.
d) Advance has a repayment schedule and the
amount repaid can be re-drawn.

What is the maximum rate of interest that can be charged by any

PCBs lo Loan to Agriculture & Rural sector as per BRPD circular
no. L1 dated 27.t2.074 of Bangladesh Bank?

a) 13?
b) LAz
c) 72%
d) Lt?,
 rf a Continuous foan is classifled as Sub-standard and it is
rescheduled for the First time, what would be the maximum time
limit for the loan from the clate of rescheduling?
a) 24 months
b) 18 months
c) L2 months
d) 9 months
rf a continuous ]oan is classified as Sub-standard and it is
rescheduled for the Third time, what woutd be the maximum time
limit for the loan from the date of reschedullng?
a) 24 months
b) fg months
c) 12 months
d) 6 months

Co ntinuous loan is classified as Doubtful- and it is

ac
itA

=-i '-
-
=-i
Ear
:he Second time, what would be the maximum time
= -;^ =-- ::::*- :::= ia-_= :'_ :e_"c::e:-:r. io?

-I

n T; lll]lir0r-! =
eJ ltz urmOmths
dl og rcntbs

rf a Demand loan 1s classified as Doubtful and it is reschedufed

for the Third time, what would be the maximum time Iimit for the
loan from the date of rescheduling?
a) 18 months
b) tZ months
c) 09 months
d) Oe months
If a Demand loan is classified as Bad/Loss and it is reschedul-ed
for the First time, what would be the maximum time }imit for the
Ioan from the date of rescheduling?
a) 24 months
b) 18 months
c) L2 months
d) 09 months

If a.Term loan is classified as Sub-standard and it is

rescheduled for the First time, what would be the maximum time
Iimit for the loan from the date of reschedullng/expiry date?
a) 24 months
b) 36 months
c) 72 months
d) 09 months

if a Terr: ioan is classified as Doubtful and it is rescheduled

ic= :::e Secc:d --':--=, ir-i:a-* ;c:- j b= -*::e nax-:xr-tn *Lime lrrnit for
L::,e I oan f"rouu *-ne dat.e of rescheduiingrexp'ry iate?

r) 18 routlrs
b) 12 months
c) 09 months
d) 06 months

If a Term loan is classified as Bad/Loss and it is rescheduled

for the First time, what would be the maximum time limit for the
Ioan from the date of reschedulinq/expiry date?
a) 24 months
b) 18 months
c) L2 months
d) 09 months
 If a Term loan is classified as Bad/Loss and it is rescheduled
for the Third time, what would be the maximum time fimit for the
l-oan from the date of reschecluling/expiry date?

a) 18 months
b) L2 months
c) 09 months
d) Oe months

Term to maturity of a term l-oan may be extended subj ect to which

of the following conditions?
a) The loan must be performing
b) The decisions should be made at the l-evel
where the loan was orlginally sanctioned
c) The maturity date may be extended by a
period of t_ime not exceedi-ng 252 of the
current remaining time to maturity.
d) All of the above

A11 of the followlngs are sME Loan products of ucBL, execpt

b) IICB Trisha

J v J=--_.-= r d.
-J

whici: of t--he folrowing statement is true for cash Credit (Hypo)

faciiity.... .

a) Both possession and title of the goods

resides with the Bank.
b) Both possession and title
of the qoods
resides with the Customer.
c) Possession of Goods resides with the
Customer but the titJ.e of the goods resides
with the Bank.
d) Possession of Goods resides with the Bank
but the title of the goods resides with the
Customer.
Which of the following statement is true for cash creclit
( Pledqe ) f ac11ity.... .
a) Both possession and title of the goods resides with
the Customer.
b) Both possession and. title of the goods resides with
the Bank.
 c) Possession of Goods resides with the Customer but
the title of the goods resides with the Bank.
d) Possession of Goods resides with the Bank but the
title of the goods resides with the Customer.
Which of the following score band can be ascribed to \\

Acceptable" risk grading under CRG?

a) 15-84
b) 65-74
c) 55-64
d) 45-54

As per CRG manual- if a foan is Substandard, it is to be

reviewed at least
a) Annually
b) Quarterly
c) Monthly
d) Bi-weekly
What is the maximum tenor for any continuous loan?

a) 06 months
i)' C9 n",onths
cl L2 months
f -: :--::::hS

Suppose, ABC iiospital Lri is a customer of Dhanmondi Branch;

UCBL- ft needs 15.00 crore as working capital. After properly
assessing the working capital requirement of the said customer
you have declded to provide Tk. 10.00 crore. What should be the
most appropriate product?
a) CC (l-lypo)
b) OD ( General)
c) OD (Work Order)
d) LTR

AlI but is an export credit?

1. FBPD
2. LBPD
3. Loan against Trust Receipt
4. Packing Credit
which of the following is provided for the purpose of supporting
equi Ly" ?

a) Lease Finance
h\ sa'l I and Lease Back
v/ ru!!

c) Bridge Loan
d) Loan General

The Short Term Agriculture and Micro Credit if not rePaid within
the fixed exPi ry date for rePaYment will be considered Past
due\overdue
a) immediatelY
b) after three months of the expiry date
c) after six months of the expiry date
d) after nine months of the expiry date

Any continuous loan will be classified as "substandard" if it is

oasr- dre\ :-.-e:d:e f c:
32 ::.::::::s 3: beY-:ni b;*' 'e ss than
= ::: :l --:-s
03
::-:
b) for 03 months or beyond but ]-ess than 06
months
c) for 05 months or beyond but less than 09
months
d) for 09 months or beyond but less than 72
months

Any continuous loan will be classified as "Doubtful" if it is

past due\overdue for
a) for 02 months or beyond but less than 03
months
b) for 03 months or beyond but less than 06
months
c) for 06 months or beyond but less than 09
months
d) for 09 months or beyond but less than L2
months
Any continuous Ioan will be classified as "Bad/Loss" if it is
past due\overdue for
a) for 09 months or beyond
b) for 12 months or beyond
c) for 18 months or beyond
d) for 24 months or beyond

Any Demand loan wlII be clas s ified as'tsubstandard" if it l-s

past due\overdue for
a) for 02 months OI beyond but fess than 03
montLis
b) for 03 months beyond but less than 05
months
c) for 06 months or beyond but less than 09
months
d) for 09 months or beyond but less than L2
months

-: -s :=:- i;:-- a= ---i as " Doubt frJi " if it is

a) fcr 12 months or beyond but less than 03

months
b) for 03 months or beyond but less than 06
months
c) for 06 months or beyond but less than 09
months
.l
v/
) fnr nq months or beyond but less Lhan 12
months

Any continuous loan will be classlfied as "Bad/Los s " if it is

past due\overdue for
a) for 09 months or beyond
b) for 72 months or beyond
c) for 18 months or beyond
d) for 24 months or beyond
A classified demand loan having outstanding of Tk. 4.00 crore a>
under process for rescheduling for the first time. What would 1^^
the required down payment?
a) 5% of overdue amount but not less than
10 . 00 1ac.
b) 10? of overdue amount but not less than
15.00 lac.
c) 15% of overdue amount but not less than
20 .0 0 Iac.
d) 20% of overdue amount but not less than
25 .0 0 lac.

A classified Continuous loan having outstandingt of Tk. 6.00

crore is under process for rescheduling for the fi rst time. What
would be the required down payment?
a) 5% of overdue amount but not less than
50.00 Iac.
b) 10% of overdue amount but not less than
65.00 l-ac.
c) 15% of overdue amount but not less than
I.'"'--..".
- -1 3: O;e:tr-e a:-*O-::: bUi n3l , ess -uhan
-: -: - -ac.

What is the financial threshold applicable for Small and Medium

Enterprises (SMEs) for Environmental Risk Rating?
a) BDT 2.0 million.
b) BDT 2.5 million.
c) BDT 2.15 million.
d) BDT 3.00 mill1on.
Vflhat is the flnancial threshold applicable for Real Estate for
Environmental Rls'k llating?
a) BDT 2.5 million.
b) l3DT 5.0 million.
c) l3DT 7.5 million.
d) BDT 10 million
Repayment Capacity of a business shalI be measured based on-
i. Cash El-ow
ii. Collateral SecurltY
iii. Clean CIB rePort
iv. Net worth of Directors
Ans: a) i only; b) ii & iii onlY; c) all of the above; d) none of
the above

AIl of the followings are used to measure Term Loan performance,

except
i. Enhancetnent of RePaYment Period
ii. Number of Installment & Amount Overdue
iii. Numbers of rescheduling
iv. Debt-eguity ratio
Ans: a) 1 only; b) ii & iii only; c) all of the above; d) iv only
As per cRM policy of the Bank, tenor of work order fj-nancing is-
a. up to 12 months
l_1. up to 24 months
Ll-l- . up to 36 months
1V. uo to 48 months
only; c) all of the above; d) none of the
-;----^

====== -'= -*::e J;s-,cner .cr OD i7l3', , foiiowing

iaform,atr:n are :eq-:i-:ed ::: wcrk order financing, excePt-
a. Work award'nE authority
b. Value of the work order
c. Status of progress of existing work
d. Va]-ue of stock
Following ratios are very lmportant ln Project Financing except?
a) current ratio
b) profitability ratio
c) debt equity ral-io
d) debt servi<:e coverage ratj-o
Which is shown in detaits of the credit facility of a proposal?
a) Purpose
b) Validity / Expiry
c) Mode of Disbursement-
d) Nature of Credit FaciIitY
e) A1I of the above
BiIl deduction rate against work order financing does not dePend
on-
a) value of work order
b) TyPe of tlork
c) interest r;rte
d) OD (WO) amount

which are the determinants of working capital?

i. Nature of Business
ii. Terms of Purchase and sales '
I]-I. AvailabilitY of raw materials
iv. Goodw-i 11 of the concern
Ans: a) i e ii only; b) L, ii & iii only; c) all of the above; d)
none of the above
Consequences of under assessment of WC (business perspective )

are as follows-
i) Cash c;risis may emerge due to paucity of funds
Ii
L.L
\
Mzry fail to honour its commitment in time
1)roduction may be stoPPed due to inabitity of
)

iii )

curchasirlgi stocks
leading to its
*:-=:: - --=a-=-, -v; c'
l-::s: al i, ii s iii b - i :-L; c. L, -- G a .- .t iV

whi ch cne :: -.r-= =: - - cl;iitr ac;icns should a manager take if he or she

wanas :-3 (iecl=a-ce the cash cYcle?
a) delay PaYments to suPPli-ers
b) increase t::e inventory level while maintaining constant sales
c) purchase ail inventory with cash
d) all of the above

To assess the e1-igibility of the customer for oD (Viio), following

information are required for work order financing, except-
a) Work awarding authoritY
b) V.rlue of Lhe work order
c) Status ol progress of existing work
d) Value of stock

Eollowing ratios are very important in Project Einancing except?

a) current ratio
b) Profitab-L Lit-Y ratio
 c) debt equ icy ratio
d) debt service coverage ratio
Which is shown -Ln details of the credit facility of a proposal ?
a) Purpose
b) Validity / Exptry
c) Mode of Disbursement
d) Nature of Credit Facillty
e) Al-l- of the above
Bill deductj-on ::ate against work order financing does not depend
on-
a) value of work order
b) Tlpe of lrlork
c) interesL rate
d) OD (WO) amount
Net working ca;;it-al refers to-
d) total asset-s minus fixed assets
b) current assets minus current ].iabi]-ities
current assc,.ts minus lnventories
d) current as::cts

a--* -_--_-- 3: abc-.'e cf Bank's capital is Large Loan

a- 10*
L"
:.5 ?
35*
d. 56%

creation of dif:crent type of charges on a company to be done at

a. Magistrate court
b. Sub-Registrar's Office
c. Land survey office
d. Registrar of Joint Stock Companies & Firms
A customer want-s to enjoy Cash Credit (H) facility mortgaging
l-and l-ocated wil-hin Narayangonj City Corporation. fn such case/
the Forced sale Value (FSV) of the collaterar shourd be
times of credit facility sought by the customer.
a. 1.75
b. 1. 50
c. L.25
d. 1.00
A customer want-s to enjoy Cash Credit (H) facility mortgaglng
land locat-c-'cl within pourashava area. In such case, the
Eorced Salc Value (FSV) of the collateral- should be
times of credit facility as per credit policy.
a) 1.75
b) 1.s0
c) 7.25
d) 1.00
Cheque book is issued to the customer against to
withdraw money.
a. Term Loarl
b. Continuous Loan
c. Letter of Guarantee
d. Overdrafl- (l{ork order)

SingIe Borrower Exposure Limit is determined on the basis of

a. Outstancli-ng. of loan and advances of the Bank
b. Capital of the Bank
c. Classif ii:.1 lo.rn of the Bank
d. CAMELS r.rting of the Bank

iilia: i-s ::re =' : =:-Jia- E::reshc-ci appiicable for Real Estate for
$";r'n w j" r c mmLe i t a
ln F., =:i F.a:i-ng?

a) BDT 2-5 million-

b) BDT 5.0 mill-ion.
c) BDT 7.5 mi11ion.
d) BDT 10 million.
If any customer requires any post-import facility/ you may offer
to hinr.
* Packinq Credit
b. Export C;rsh Credit
c. Loan against Trust ReceiPt
d. LBPD