Risk Management – ENBM

Question 1:
If a product is reserved by Govt. of India to specific category, which the firm/ company is producing, & the fim/ Company is
having substantial advantage in area of core competency, enjoying its full benefits making it difficult for competitors to compete,
then the score under `Core Competency` should be _________
ANS. 1

Question 2:
As per "Entrepreneur New Business Rating Model" if the commitment and sincerity of the promoters is of very high order, the
score will be __________
ANS. 4

Question 3:
As per "Entrepreneur New Business Rating Model" if the Unit is located from where only small part of target customers is being
served, the score will be
ANS. 1

Question 4:
As per "Entrepreneur New Business Rating Model" if there are apparently no adverse features or reasons to doubt the
commitment and sincerity of the promoters the score will be _________
ANS. 2

Question 5:
Under "Entrepreneur New Business Rating Model", rating unless vetted will bear the phrase "Draft rating yet to be approved".
State True or False.
ANS. TRUE

Question 6:
As per "Entrepreneur New Business Rating Model" if the management is reliable and is of good commitment and sincerity ,the
score will be _________
ANS. 3

Question 7:
As per "Entrepreneur New Business Rating Model" if the capacity of promoters to arrange additional funds is beyond doubt, the
score will be _______
ANS. 4

Question 8:
While analyzing managerial capabilities in "Entrepreneur New Business Rating Model" , which of the following factors are to be
considered?
ANS. ALL OF THE ABOVE

Question 9:
As per "Entrepreneur New Business Rating Model" if the Borrower/ group/ family has relationship with bank but the value to
bank is not significant in relation to loan requested, the score will be _______
ANS. 1

Question 10:
While analyzing credit worthiness under "Entrepreneur New Business Rating Model" , which of the following factors are not to
be captured?
ANS. RELIGION OF THE PROMOTER

Question 11:
While analyzing credit worthiness under "Entrepreneur New Business Rating Model", subjective evaluation of financials will
include which of the following?
ANS. ALL OF THE ABOVE

Question 12:
Under "Entrepreneur New Business Rating Model" which of the following will be calculated by the system based on data input?
ANS. ALL OF THE ABOVCE

Question 13:
While analyzing credit worthiness under "Entrepreneur New Business Rating Model", location of business is a significant factor.
Which of the following is the least contributor for the same?
ANS. NATURAL BEAUTY

Question 14:
Under "Entrepreneur New Business Rating Model" Most Cruicial Risk Factor if applicable will pull down the rating. State True
or False.
ANS. TRUE

Question 15:
As per "Entrepreneur New Business Rating Model", which of the following is to be considered for asessing conduct of the
account?
ANS. ALL OF THE ABOVCE

Question 16:
The Name & PF ID of the rater & vetter is being captured in the PNB Trac system. State True or False.
ANS. TRUE

Question 17:
What is the full form of ENBM
ANS. Entrepreneuer New Business Model

Question 18:
As per "Entrepreneur New Business Rating Model" Average Quality of product/ service/ range of products is at par with peers,
but not best, the score will be __________
ANS. 3

Question 19:
As per "Entrepreneur New Business Rating Model" Balance Sheet is to be fed for financial evaluation. State True or False.
ANS. TRUE

Question 20:
As per "Entrepreneur New Business Rating Model", whether adverse variance in the current value of the assets compared to
value shown in the balance sheet/ project report is to be considered or not?
ANS. YES TO BE CONSIDER

Risk Management - Future Lease Rental Model

Question 1:
As per FLRM Area I cities are?
ANS. ALL OF THE ABOVE

Question 2:
In case of low occupied property the level of occupancy is?
ANS. 25 – 50

Question 3:
In case of fully occupied property the level of occupancy is?
ANS. ABOVE 90%

Question 4:
Whicj of these are calculated in FLRM ?
ANS. ALL OF THE ABOVE

Question 5:
Which evaluation is not done in Future Lease Rental Model
ANS. ALL ARE DONE

Question 6:
The rating of an account will be downgraded by how many notch when there is Substantial impairment in the value
of property
ANS. 1 NOTCH

Question 7:
Area III consists places:
ANS. All places not covered in Area I & Area II except rural area

Question 8:
Occupancy level of property can be?
ANS. EITHER OF ABOVE

Question 9:
In FLRM frequency of inflow can be?
ANS. ALL OF THE ABOVE

Question 10:
In case of adequately occupied property the level of occupancy is?
ANS. 75-90

Question 11:
Rural Area is covered in
ANS NONE OF THE ABOVE

Question 12:
Which of these is not under Major A Class cities as per FLRM?
ANS. PUNE

Question 13:
Under Transaction Evaluation which of the following is not considered?
ANS. ALL ARE CONSIDERED

Question 14:
In case of by and large occupied property the level of occupancy is?
ANS. 50-75

Question 15:
All cities other than those covered in Area I with population more than 100000 but less than 1200000 are classified
as?
ANS. AREA II CITIES

Question 16:
In FLRM the scale of operations has been classified as ?
ANS. ALL OF THE ABOVE
Question 17:
In case of very low occupied property the level of occupancy is?
ANS. BELOW 25

Question 18:
In Lessee Evaluation: The repayment of loan is primarily dependent on the lease rentals, which in turn is dependent
on the capacity of the lessee to pay
ANS. TRUE

Question 19:
In Future Lease Rental Model : Lessor to the transaction is __________
ANS. OUR BORROWER

Question 20:
In FLRM reciept of lease rental can be?
ANS. EITHER A OR B

Risk Management - Facility Rating Model

Question 1:
In facility rating model, whether the rating model of the Borrower is to be captured or not?
Ans. Yes

Question 2:
Whether Investment in Equity are to be rated under facility risk rating?
Ans yes

Question 3:
While adding securites, the 3rd input parameter to be selected is __________
Ans. Limit

Question 4:
Whether Residential Real Estate Data is to be captured under Facility rating model?
Ans. Yes

Question 5:
Whether Investment in Bonds are to be rated under facility risk rating?
Ans. Yes

Question 6:
Under Facility Rating Model, Most Cruicial Risk Factor if applicable will pull down the rating. State True or False.
Ans. True

Question 7:
Physical securities __________ to Bank such as Plant & Machinery, stocks etc provided liquid marketa are available
for disposal in an expeditous and economically efficient manner, are to captured.
Ans. Hypothecated

Question 8:
While adding securites, the first input parameter to be selected is __________
Ans. Facility group

Question 9:
Whether Cash position is to be captured under Facility rating model?
Ans. Yes

Question 10:
Whether Investment in Debentures are to be rated under facility risk rating?
Ans. Yes

Question 11:
Whether Medical Insurance is to be captured under Facility rating model?
Ans. No.

Question 12:
Under Facility Rating Model, rating unless vetted will bear the phrase "Draft rating yet to be approved". State True
or False.
Ans. True

Question 13:
While adding securites, the 2nd input parameter to be selected is __________
Ans. Facility

Question 14:
The output of Facility rating model is required to be accepted by the Bank before using it. State True or False.
Ans. False

Question 15:
Whether Investment in Commercial Papers are to be rated under facility risk rating?
Yes

Question 16:
The Name & PF ID of the rater & vetter is being captured in the PNB Trac system. State True or False
Ans. True

Question 17:
New Facilites are to be entered by clicking on _______
Ans. Add New Securities/ Facilities button

Question 18:
In facility rating model, whether the score of the Borrower is to be entered or not?
Ans. Yes

Question 19:
New Securities are to be entered by clicking on _______
Ans. Add New Securities/ Facilities button

Question 20:
Whether Investment in Securitization Papers are to be rated under facility risk rating?
Ans. yes