32 - Lending Risks and Non-performing Assets

12345678910
1).
What is the time period for a term loan to be classified as NPA?
2).
After how many crop seasons, an unpaid short duration Farm loan will be termed as NPA?
3).
What is the time period for the long duration crops to be termed as NPA?
4).
What are the funds that are set aside by the banks as fraction to the loans known as?
5).
What do we call a loan which remains NPA for a period less than or equal to 12 months?
6).
What is a Doubtful Asset?
7).
When was the SARFAESI Act enacted?
8).
What is the primary aim of enacting the SARFAESI Act?
9).
Where is the SARFAESI Act not applicable?
10).
What is termed as Loss Asset?
1. What is the time period for a term loan to be classified as NPA?
[A] 30 days
[B] 60 days
[C] 90 days
[D] 365 days
2. After how many crop seasons, an unpaid short duration Farm loan will be termed as NPA?
[A] 1 crop season
[B] 2 crops seasons
[C] 2 years
[D] 4 crop seasons
3. What is the time period for the long duration crops to be termed as NPA?
[A] 90 days
[B] 1 crop season
[C] 2 crop seasons
[D] 180 days
4. What are the funds that are set aside by the banks as fraction to the loans known as?
[A] NPA Coverage Ratio
[B] Loan Default Ratio
[C] Provisioning Coverage Ratio
[D] Credit Exposure Ratio
5. What do we call a loan which remains NPA for a period less than or equal to 12 months?
[A] Doubtful asset
[B] Sub-standard Asset
[C] Loss
[D] None of the above
6. What is a Doubtful Asset?
[A] sub-standard asset for a period of 12 months
[B] sub-standard asset for a period of 3 months
[C] sub-standard asset for a period of 6 months
[D] None of the above
7. When was the SARFAESI Act enacted?
[A] 2004
[B] 2006
[C] 1999
[D] 2002
8. What is the primary aim of enacting the SARFAESI Act?
[A] Recovering Loans
[B] Increasing Deposits
[C] Transparent appointment of Directors
[D] Reducing Corruptions and Scams
9. Where is the SARFAESI Act not applicable?
[A] On unsecured loans
[B] Loans below 100000
[C] where remaining debt is below 20% of the original principal
[D] All of the above
10. What is termed as Loss Asset?
[A] sub-standard asset for more than 3 years
[B] sub-standard asset for more than 2 years
[C] sub-standard asset for more than 1 years
[D] None of the above
Advertisement

Kindly help us to keep GKToday updated and error free. Use this form to report error or outdated information in questions. We shall rectify asap...