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Sunday, 19 January 2020

PROMOTION EXCERCISE JMG 1 TO 2 (30.12.2018)





QUESTION AND ANSWER BASED ON MEMORY

1. Bank of Baroda found with paid up capital - 10.00 Lac
2. RBIA full Form – Risk Based Internal Audit
3. Marks allocated for Mandatory courses in GEMS – 1 mark
4. How many grading consist in GEMS – 5 (AA, A, BBB, BB, B)
5. Name of initiative taken for next generation – WeLead (as per option)
6. Bank has start a program for professional courses and development of employee – SPEED
7. Bank provide welcome kit consist of – Thanks letter, ATM card, cheque
8. one of Payment gateway ask – RozarPay (as per option)
9. Maximum Limit of Skill India Loan – 1.5 Lac
10. Who can appoint recovery agent – Chief Manager
11. In Baroda Ashray Loan at the time of repayment first provide chance to legal heirs for – 2 month
12. Full form of UFCE- Un-hedged foreign currency exposure
13. Full form of ICAAP – Internal Capital Adequacy Assessment Process
14. Along with SIDBI how many PSU banks include in loan in 59 minutes – 6 bank
15. Baroda Tankerz scheme is part of – Stand up India scheme
16. In Commercial vehicle finance which segment is not include – Gold Strategy fleet
17. As per company act 2013 maximum no of member in Private Ltd Co – 200
18. STR full form – Suspicious Transaction Report
19. Limited mortgage year – 12 years
20. LIC what type of security in Loan against LIC – Assignment
21. In premier Current Account what are the DD/BC concession charge – 50%
22. Rupay Platinum Card issued in which type of salary variant : Baroda Premium Salary A/c
23. Minimum amt. of Term Deposit in Baroda Bachat Mitra - 10000/-
24. Maximum limit in Metro in Baroda Trader Loan - 1000 Lac
25. Maximum Limit for Baroda Mortgage Loan in Urban Area - 500 Lac
26. Co-applicant age in Housing Loan – 18 years
27. Min. Age to open Baroda salary account – 18 years
28. how many days’ notice issued to auction of ceased car – 30 days
29. Margin for Baroda Farmer new four wheeler vehicle Loan - 15%
30. Margin for Car loan – 10%
31. Baroda Salary advantage account minimum take home salary for OD – 5000/-
32. Baroda Salary advantage OD facility should be in credit in maximum days – 60 days
33. Baroda Super salary account OD facility sanction after how many salary credit – Two salary
34. If some one get 40000/- pm salary which salary variant suggested : Baroda salary Classic
35. Education Loan subsidy lodged menu – EDULOANM
36. Revised name of Domestic Loan Policy – Group Credit Exposure Management Policy
37. Maximum household income for eligibility of education loan subsidy – 4.5 Lac
38. Baroda Bachat Mitra Max. OD faclity – 100000/-
39. Baroda Champ total transaction limit – 5000/-
40. Pension scheme for un-organized sector – Atal Pension Yojna
41. PPF account can be extend for how many years in once – 5 years
42. Minimum amt for Baroda Tax Saving FDR – 100/-
43. Minimum Age for APY – 18 years
44. Atal pension Yojna is orgnized by - PFRDA
45. Minimum Age of insurance on rupay debit card: 5 year
46. Baroda connect OTP period - 3 Minute
47. OLTAS full form – On Line Tax Accounting System
48. Baroda Prime credit card issued against security – 100% FDR
49. Amortization schedule printing Menu after loan – HLARSH
50. Maximum Limit of Smart Phone sanction for Farmer – 10000/-
51. Max. Limit of Warehouse to individual Farmer – 50.00 Lac
52. Food and Agro processing WC assessment – 20%
53. NPV while calculating compromise – 12%
54. If a loan account in credit than how to debit account – HPAYOFF
55. PMFBY decided by authority – District level technical committee
56. In recovery initiation of SARFAESI officer called – Authorized officer
57. NPA report Menu – NPARPT
58. modification of Activity code in the account – HACM
59. Full Form of EMV – Europay, Master, VISA
60. What is the name our bank A category foreign business branch – Specialized integrated Branch
61. What is the Full form of CGFMU – Credit Guarantee Fund of Micro Units
62. File within 7 days of initiating action under Section-13(4) for possession – CAVEAT
63. Depository services related question - DEBOS
64. What is MTM - Mark to Market
65. How many services available at BC – 11 or 12
66. For Baroda Classic salary account relationship manager provide which type of service – Phone
67. Net Relationship Value (NRV) in Baroda Radiance eligibility – 50 Lakh and above
68. Full form of FOB – Free on Board
69. Rate of Interest on Sovereign gold bond – 2.5%
70. Who issue Sovereign gold bond – RBI
71. When a loan amt. not paid on due date it is converted in – Overdue
72. Employee failed to keep confidentiality of customer comes in which core value – Integrity
73. Employee “Gold quality work done” in which core value – Customer Centricity (Ans. None)
74. Which product Pre approve not available – Baroda Trader Loan
75. In Balance Sheet how goodwill shows – Intangible Asset
76. In Balance sheet which is not a Fixed asset – Patent
77. Which is Fund based facility – Bill discounting
78. A term loan EMI in a year from as on date will show in balance sheet – Current Liability
79. If term loan EMI paid after 1 year – Non current Liability
80. One question related to “Hand Holding” period – Two Month
81. ___ is one where a suspicion of fraudulent activity is thrown up by the presence of one or more Early Warning Signals (EWS)- Red Flagged Account
82. External rating in respect of credit proposal with exposure above - Rs.5.00 CR
83. Mono Crop BKCC due period – 12 month
84. Scheme for Warehouse account – CC007
85. NRO Term deposit Maximum period – 120 month
86. A borrower in SARFAESI action after taking possession create obstruction to sale the property is called – Non-cooperative
87. in BKCC account Menu for bifurcation of Subvention and non subvention limit – HACLHM
88. LAD date modification in Loan account Menu – HACMLA
89. For export a person compulsory – Export Import Code
90. Bill Purchase (BP)/Bill discounting (BD) modification menu – HACMBP
91. BEP numerical question – 5000/-
92. Total Group Term Life Insurance for staff – 20 Lac
93. Maximum Room tariff available for staff medical insurance – 4000/-
94. Concession of ROI for girls in Baroda Vidhya Loan – 0.50%
95. Menu for inquiry of inventory after transfer in other branch – HIMI
96. What is ONUS ATM – Our customer with our ATM
97. Maximum coverage of Micro and small enterprises in CGTMSE – 200 Lac
98. Bank in Letter of Credit deal in – Document
99. Full form of NCLT – National Company Law Tribunal
100. Number of inquiry of Aadhar linking in account - *99*99#
101. Mutual agreement between borrower and creditor where provision not require– Compromise
102. At which minimum amt in super saving first auto sweep held – 60000
103. Food processing adhoc limit – 10%
104. full form of SWIFT – Society for worldwide interbank financial telecommunication
105. Risk related question – Operational Risk
106. In housing Loan cut off marks for eligibility out of 168 – 96
107. How much landholding categorized a small farmer – 1 to 2 hectare
108. Moratorium period in Baroda premier education loan – Course period + 1 year
109. Full form of LLPS – Loan lifecycle Processing system
110. TOM transaction reconcile at – next day from the transaction date
111. In LC who is applicant – Importer/Buyer
112. USD 1 = Rs. 71.10 which type of quote – Direct Quote
113. EEFC account type – Current Account
114. In pre approved house loan max limit for document not required – 20 Lakh
115. In retail loan vetting have to done above from – 10.00 Lakh
116. Margin in Pharm maintenance loan – 25%
117. Max limit where collateral not required in Micro and small enterprises - 10 lakh
118. NEFT received remitter verification Menu – HPORDM
119. Reimbursement of housing loan for purchase/construction maximum month ago – 24 month
120. Insurance amt. available on Rupay Card – 100000/-



Wednesday, 25 December 2019

Question-Answer




Q 1 You have received proposal for construction of compos pit and purchase of related equipment for setting up vermicompost unit.  You will not stipulate margin provided the loan is _____ and not stipulate collateral security provide the loan is_____.

a) 25,000 an Rs. Rs. 50,000
b) Rs. 1.00 lakh for both
c) Rs. 1.60 lakh for both
d) Rs. 1.60 lakh and Rs.1.00 lakh

Q 2 The process whereby fertilizers are injected for soil amendments, water amendments, and others amendments generally related with irrigations system, is known as

a) Neo-irrigation
b) Fertigation
c) Chemigation
d) Nurugation

Q 3 National Horticulture Board is located at

a) New Delhi
b) Gurgaon
c) Patiala
d) Palampur

Q 4 It is estimated that startups in year 2019 created indirect jobs to the extent of

a) 1 million
b) 1.5 million
c) 3 million
d) 0.5 million

Q 5 A Regional Rural Bank has made huge gains on account of sale of assets and gain has been taken to Capital Reserve Account.  For the purpose of Capital Adequacy norms, this will be reckoned as

a) Common Equity Capital CET 1
b) Additional Tier I Capital
c) Tier II Capital
d) Not to be reckoned for the purpose of CAR

Q 6 Sovereign Gold Bonds issued by Government of India are held as Bond Ledger Account (BLA).   Your bank proposes to extend loan against security of these bonds. How will you mark lien against this security?

a) SGBs held in BLA cannot be accepted as security

b) The lien can be marked with the depository
c) The lien can be marked in E Kuber portal
d) The lien for BLA bonds are to be marked on Certificate of Holding

Q 7. The RBI has directed the banks to ensure NEFT facility to customers on 24 x 7 hours basis on all days including holidays. The NEFT Facility post banking hours will be available to the customers through

a) Online Gateway
b) Straight Through Process
c) Connect Servers
d) PoS

Q 8 The ______ is the confirmation message given to Customers for NEFT credit

a) N10
b) N11
c) ST10
d) ST11

Q 9  An asset reconstruction company cannot acquire financial assets on bilateral basis from the following  (Mark the answer which contains the correct options)

i) Bank/FI which is sponsor of ARC
ii) Bank/FI which is lender to ARC
iii) Bank/FI which is subscriber to the ARC
iv) An entity in the group to which ARC belongs
a) All are correct
b) only (i)
c) (i) (ii) and (iii)
d) (i) (ii) and (iv)

Q 10 REPO transaction means offering security and obtaining funds against that security, with an agreement to reverse the transaction on maturity of transaction.  The first leg the transaction is completed on

a) The day of transaction
b) next day of transaction
c) On (a) or (b)
d) T+0, or T+1 or T+2

Q 11  The last security to be added in the list of securities against which a repo transaction can be completed.

a) Units of Debt Exchange Traded Funds
b) Certificate of Deposit
c) Commercial Paper
d) Bharat ETF

Q 12 In a repo transaction the value of security, against which repo transaction is made, is valued on day of last leg __________

a) Market Value on the day of last leg
b) Market value as arrived on the day of first leg
c) Market value as arrived on the day of first leg plus interest
d) Not required to be arrived

Q 13 Who among the following has been appointed as Head of National Stock Exchange

a) Ashok Chawla
b) Girish Chaturvedi
c) Lini Sajeesh
d) Ripu Daman

Q 14  Which of the following is true regarding Small Finance Banks

i) Resident Individuals can float a Small Finance Bank
ii) Corporates can float a Small Finance Bank
iii) The minimum capital required is Rs. 200 Cr
iv) The minimum capital required is Rs. 100 Cr
a) (i) (ii) and (iii)
b) (i) (ii) and (iv)
c) (i) and (iii)
d) (ii) and (iii)

Q 15 An individual alongwith relatives can have maximum _____ of paid up voting equity capital in a small finance bank.

a) 15%
b) 10%
c) 26%
d) 40%
Answers

1-c        2-b       3-b       4-b       5-a        6-c        7-b       8-a        9-a        10-c

11-a      12-c      13-b      14-a      15-b

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