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    Bank Specific Information

    Uploaded by

    akvgaurav
    promotion exam

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd

    Bank Specific Information

    Uploaded by

    akvgaurav
    24 views2 pages
    promotion exam

    Copyright

    © © All Rights Reserved

    Available Formats

    DOCX, PDF, TXT or read online from Scribd

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    promotion exam

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    24 views2 pages

    Bank Specific Information

    Uploaded by

    akvgaurav
    promotion exam

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    of 2

    1.

    Limit for external credit rating compulsory for: Rs


    2. compulsory leave is to be availed for how many minimum number of days:
    3. SABATICAL leave to employees – minimum service for eligibility:
    4. pensioners maximum loan, age, repayment period
    5. TEV – techno economic Viability report is required for which type of loans: project loans,
    term loans, expansion, rehabilitation . TEV report for more than RS
    6. Unsecured exposure of your bank should not exceed RS :
    7. term loan sanction valid for :
    8. CSR amount for your bank as on 31.3.2018:
    (
    9. personal gold loan : maximum amount: margin: period:
    10. Tax saving deposit : period: minimum & maximum
    11. student loan for studies in India and abroad:
    12. Housing loans : take home pay %: OTHER THAN SALAIRED PERSONS: INCOME CRITERIA
    HOUSING LOAN MAXIMUM REPAYMENT PEREIOD:
    13. clean OD to staff eligibility norms:
    14. car loan to staff net take home pay: 2nd hand vehicle purchase quantum of finance
    15. Death claim settlement powers of Chief manager:
    16. Loan against rentals: eligibility conditions: maximum loan quanturm:
    17. Advance against cheques sent for collection – purchase powers for chief managers:
    18. against pending security perfection of Term loan/ working capital loans,INTERIUM
    DISBURSEMENT
    19. limits can be released : ---% of the sanctioned limit with ________________% more rate
    of interest and maximum period allowed for securities perfection
    20. personal loans to corporate employees: conditions:
    21. Mortgage business loans : conditions: ----% of property value
    22. ceiling on exposure to partner ship concern: amount :
    23. ceiling on exposure to real estate sector: ------% of gross credit
    24. waiver of status report for foreign buyer in exports without LC:
    25. educational loan repayment period:
    26. your bank recent BCSBI ranking:
    27. Credit audit applicable to loans of RS:
    28. Stock audit applicable to working capital loans of Rs:
    29. Appraisal charges for gold loans:
    30. Teachers loan: minimum home take pay and maximum loan amount
    31. Bridge loans to companies against expected equity flows/issues: maximum loan , period,
    minimum rating required for that instrument
    32. Clearance accorded by New Business Group Committee shall be valid for a period of -------
    days only.
    33. Valuation of Properties: Branches have to obtain minimum 2 valuation report for properties
    valued at ₹---------Crores and above. However, in respect of Housing Loans, for loan amount
    of ₹------- Lakhs and above, valuation report has to be obtained from 2 independent valuers
    34. Partial Credit Enhancement (PCE):
    The aggregate PCE provided for a given bond issue shall be limited to 20% of the bond issue
    size. (RBI exposure norms)
    PCE exposure to a single counterparty or group of counterparties shall not exceed ----- % of
    the Bank‟s Single Borrower/Group Borrower limit to the counterparty to whom the PCE is
    provided. ( your bank specific exposure norms as per loan policy

    35. Regulatory guidelines on Limits on banks‟ exposure to Capital Markets as per RBI
    STIPULATIONS : should not exceed40% of net worth as on 31st march (direct investment not
    exceeds 20% of net worth)
    YOUR BANK EXPOSURE ENORMS FOR CAPITLA MARKET :

    36. Benchmark financial parameters for Working Capital Assessment


    37. Benchmark Financial Parameters for term loan/DPG:
    38. Focus Sectors: Agriculture, Micro, Small and Medium Enterprises , Housing , Mid-Corporates
    ,Exports , Education ,Trade and Services

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