Question Results

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Question:
QIS Form II enables the bank to verify the --------------performance as against the estimates given
Response:

Actual

Usual.
Expected
Projected.
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Question:
The Lok Adalats are presided over by
Response:

The judges of courts.

A reputed member of the society.

The District collector.
Deputy Governor of RBI.
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Question:
If the business financed by the bank is not in good health
Response:
The competition may increase
The business will grow
The account may be taken over by another bank

The recovery of banks’ funds may become difficult

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Question:
Declining credit summation in the account may be an indication of
Response:
Improvement in sales
Better collection mechanism
Improvement in market share

Falling sales

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Question:
Time permitted to file appeal in DRT cases is
Response:
60 days from the date of decree

45 days from the date of decree

 6 months from the date of decree
3 months from the date of decree
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Question:
MSOD helps banks in comparing actual with ____________.
Response:
Book debt statement

Projections given by the customer.

Balance sheet.
Stock statement
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Question:
In Debt Recovery Tribunals the minimum amount of default for filing a case is
Response:
Rs.25 lacs.
Rs.5.00 lacs.
Rs.1 lac

Rs.10 lakhs

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Question:
Monitoring of loans and advances is a continuous process starting from
Response:
Sanction of advance till disbursement

Disbursement of advance till recovery of advance.

Date of sanction till one year

Sanction of advance till documentation
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Question:
Half yearly operating statement gives details of _________, costs and profit generated.
Response:

Sales

Finished goods
Raw materials.
Semi- Finished goods
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Question:
MSOD means ------------------------ Select Operational Data.
Response:
Manually.
Mainly.
Monthly
 Mostly
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Question:
Any appeal on the judgment of DRT has to be filed with the
Response:
Company Law Board.
Supreme court of India.

DRAT

District civil court.

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Question:
QIS returns – Form I contains the ------------for the coming quarter
Response:
Problems
Prospective customers.17
Excess in the account.

Projections

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Question:
Frequent return of cheques issued by the customer
Response:
Growth in reputation of the firm
Increase in recoveries from debtors

Tight liquidity position

Firm’s sales are increasing

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Question:
QIS format II is to be submitted at the ------- of the quarter giving the achievement of the quarter.
Response:

End

None
Middle
Beginning
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Question:
In which case, the value of security is also reckoned while making provision for bad debts?
Response:

Accounts classified as D1 and D2 categories

Accounts classified as D3 and Loss categories

 Standard and sub-standard assets
Only standard assets
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Question:
QIS returns – Form I is to be submitted before the --------------------------- of quarter.
Response:
Middle
Fourth week.

Beginning

Ending
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Question:
Frequent return of cheques deposited by the customer indicates
Response:
Market share is increasing
The product is facing quality problem

Liquidity problem of clients

The products are competitively priced

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Question:
The provision to be made for a corporate loan which is rated as AAA by CRISIL, which is a standard asset,
Response:
0.50%
1%

0.40%

0.25%
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Question:
In a cash credit (hypothecation of stocks) facility, the borrower needs to submit every month
Response:

Statement of stock

Statement of book debts

Copies of sales invoices
Balance sheet
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Question:
While making provisions in accounts classified as Doubtful 1 and Doubtful 2
Response:

The value of security available also needs to be considered.

The defaulter should pay some amount.

Suit for recovery must have been filed.
 The available securities should be disposed off

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