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MCQ QUESTIONS: LOANS AND ADVANCES

 

MCQ QUESTIONS: LOANS AND ADVANCES:

1. One of the differences between overdraft and cash credit is:

(A) Overdraft is always subject to limit whereas cash credit has no limit (B) Overdraft is allowed on any kinds of account whereas cash credit is allowed on current account.

(C) Overdraft is allowed on current account whereas cash credit is a separate account.

 

2. Lien, one of the modes of charging securities, is the right to retain:

(A) Goods and securities until debt is satisfied

(B) Property mortgaged to the bank.

(C) Both property and goods and securities.

 

3. When a manufacturer wants to borrow money on the security of raw materials or stock-inprocess which are in the process of being manufactured into finished products, bank prefers:

(A) Lien of goods.

(B) Hypothecation of goods.

(C) Pledge of goods.

 

4. Contract Act-1872 has defined pledge as:

(A) A charge against property for an amount of debt where neither ownership nor possession is passed on to the creditor.

(B) The right to retain a particular commodity in respect of which the debt arose.

(C) A bailment of goods as security for payment of debt or performance of a promise.

 

5. Mortgage, a mode of charging security, has been defined in:

(A) Transfer of Property Act-1882.

(B) Sale of Goods Act-1876.

(C) N.I. Act-1876.

 

6. Will you give loan against a Fixed Deposit Receipt jointly held by two persons with the instructions: payable to either or survivor?

(A) No, because either or survivor clause bars the bank

(B) No, because FDR is in the names of two persons

(C) No, unless necessary documents are signed by both the persons names of whom are appearing on the FDR.

 

7. Goods as security under Hypothecation can:

(A) Be brought under pledge by a bank, if desired.

(B) Can never be brought under pledge since it is violation of contract.

(C) Can be brought under pledge if customers consents.

 

8. While giving loans against security of shares, one of the points a bank ensures that:

(A) The shares are partly paid because these are safe

(B) The shares are fully paid but not quoted in stock exchange.

(C) The shares are fully paid and quoted in stock exchange.

 

9. Can a minor be sanctioned an overdraft secured by guarantee:

(A) Yes, guarantee is the security.

(B) No, guarantee is not enforceable as minor is the borrower

(C) Yes, minor can borrow himself and bind himself with the bank

 
10. Can Public Limited Company give guarantee?
(A) Yes, if its Memorandum permits
(B) Yes, if Registrar of Joint Stock Companies gives permission in writing
(C) Yes, Controller of Capital Issues permits
 
 
11. Mr. White, a customer of your Branch approaches you for a loan facility against FDR for Tk. 50,000 of another Bank issued in his name. Will you accept it as security and give loan?
(A) Yes, FDR is equivalent to money, loan may be given.
(B) Yes, loan may be given provided he encashes the FDR and opens a savings account with us
(C) No, FDR of another Bank is not a good security and invites a lot of problems. Normally in this case loan should not be given.
 
12. Letter of Continuity is taken in case of:
(A) Cash Credit or Overdraft.
(B) Pledge or Hypothecation.
(C) Term Loan.
 
13. One of the differences between cash credit and overdraft is:
(A) There is no limit in case of cash credit where there is limit in case of overdraft
(B) Drawing Power in case of cash credit is limited while in case of overdraft it is not limited
(C) Cash Credit is a separate account and Overdraft is allowed on an existing current account.
 
14. In a contract of guarantee, there are three parties. They are:
(A) Promisor / Promisee / guarantee.
(B) Promisee / guarantee / contractor.
(C) Debtor / creditor / guarantor.
 
 
15. Banks grant advances to the borrowers for purchase of vehicles against creation of the following charge:
(A) Hypothecation
(B) Pledge
(C) Mortgage
 
 
16. Pledge as a method of charging securities are defined in:
(A) Transfer of Property Act
(B) Contract Act -1872
(C) Sale of goods Act
 
 
17. In case of working capital finance to a public limited company against hypothecation of raw materials, Bank always prefer to register the charges with registrar, Joint Stock Companies to:
(A) Ensure timely repayment of the loan
(B) Make effective supervision and to avoid fund diversion
(C) Become secured creditor

 

18. Banker’s right to cancel advance at any time with or without intimation is acknowledged by the borrower by signing:

(A) D.P. Note

(B) Letter of request

(C) Letter of arrangement

 

19. In case of ‘Cash Credit’ advance: (A) Both the limit and the drawing power are variable

(B) Limit is fixed but the drawing power is variable

(C) Drawing power is fixed but limit is variable

 

20. The common modes of creation of charge over the securities against loans and advances are:

(A) Registration, set-off, possession, and power of Attorney

(B) Pledge, Hypothecation, Mortgage, Lien and Assignment

(C) Pledge, Hypothecation, Mortgage and set-off

 

21. Advances are of two types viz: “Secured” and “Unsecured”. The following advances are secured advances:

(A) Overdrafts and Cash Credit only

(B) Loans, Overdrafts, Cash Credits and all other advances covered by eligible / approved securities.

 

22. Pledge and Hypothecation relate to Movable property and Mortgage relates to Immovable property

(A) Yes

(B) No

 

23. For recovery of stuck-up loans and Advances, Banks can take legal action under:

(A) ARTHA RIN ADALAT AIN 1990 and the INSOLVENCY (Bankruptcy) Act 1997

(B) ARTHA RIN ADALATAIN 1990 only

(C) The INSOLVENCY (Bankruptcy) Act 1997 only

 

24. Principles of sound lending mean:

(A) Safety, Security, Liquidity & Profitability of the fund

(B) Security, Safety, Purchase, Spread & National Interest

(C) Security, Safety, Purchase, Person & Capital

 

25. Advances are traditionally divided into following categories:

(A) Cash Credit, Overdraft and Loan

(B) Loan, Cash Credit, Overdraft, Bill Purchased & discounting

 

26. Documentation is valid when it is:

(A) Properly executed by the competent parties, correctly stamped, Registered with competent authority when necessary and not barred by Law of Limitation (B) Executed by anybody and correctly stamped

(C) Executed properly, correctly stamped, undated & blank

 

27. Bank Credit includes all loans and advances (Cash Credit, Overdraft, PAD/LIM) and also bills purchased and discounted:

(A) True

(B) False

 

28. Pledge is one of the methods of charging securities against loans and advances and is defined in:

(A) Contract Act –

(B) Transfer of Properties Act

(C) Sale of Goods Act

 

29. Drawing power in a CC account is determined within sanctioned limit on the basis of

(A) Value of existing stock of goods

(B) Value of collateral securities

(C) Credit needs of the borrower

 

30. Pledge and hypothecation are related to movable properties and mortgage relates to immovable properties-

(A) True

(B) False

(C) Partly true

 

31. Classified loans and advances mean:

(A) Loans and advances which are overdue and sticky

(B) Loans and advances the recovery of which is uncertain and against which provision is to be made

(C) Loans and advances which are considered as loss

 

32. Provision for Bad debts is made out of

(A) Income

(B) Profit

(C) Reserve

 

33. A Bank can sanction loan to a single party upto a maximum amount of

(A) 20 % of its capital

(B) 15 % of its capital

(C) 10 % of its capital

 

34. Performance of Budget of a branch includes

(A) Target for deposit, advance and income

(B) Target for business and expenditure

(C) Target for business, deposit, advance and profit

 

35. Rates of interest to be charged against various forms of advances are determined by:

(A) Bank’s own policy

(B) As per directives of Bangladesh Bank

(C) Mutual Agreement with the borrower

 

36. In case of Hypothecation the possession of the merchandise is held with the:

(A) Banker / Lender

(B) Borrower

(C) Negotiator

 

37. The Banker has right to debit any customer’s account which has credit balance to adjust any debit balance in any other account of the same person. This right is called:

(A) Lien

(B) Set-off

(C) Right of redemption

 

38. Hypothecation is called as:

(A) Fixed charge

(B) Floating charge

(C) None of the above

 

39. Letter of disclaimer is taken from:

(A) Borrower

(B) Guarantor

(C) Owner of rented godown / premises

 

40. “A contract by which one party promises to save the other from the loss caused to him by the conduct from the promissory himself or by the conduct of a third party” is called

(A) D.P. Note

(B) Guarantee

(C) Indemnity

 

41. Lien, one of the modes of charging securities, is the right to retain:

(A) Goods and securities until debt is satisfied

(B) Property mortgaged to the bank

(C) Both of above

 

42. Mortgage, a mode of charging security, has been defined in:

(A) Transfer of Property Act, 1882

(B) Sale of Goods Act, 1876

(C) Negotiable Instruments Act, 1881

 

43. In case of loan against gold ornaments the charge should be created by:

(A) Hypothecation

(B) Pledge

(C) Mortgage

 

44. Cash credit is allowed generally against

(A) Pledge or Hypothecation of goods

(B) Immovable property

(C) Tangible security

 

45. In case of Hypothecation, the banker customer relationship is:

(A) Baylor -Bailee

(B) Debtor -Creditor

(C) Pledgor -Pledgee

 

46. In case of contract of mortgage-

(A) Ownership passes to the mortgagee

(B) Ownership is not passed to the mortgagee but legal or equitable interest is transferred

(C) None of the above

 

47. Which one of the following statement is correct:

(A) Both cash credit and overdraft advances are granted for business purposes. (B) Cash credit is granted for business purpose only but overdraft may or may not be for business purpose.

(C) Overdraft is granted for business purpose only but cash credit mayor may not be for business purpose.

 

48. Letter of continuity is required for:

(A) Loan

(B) Overdraft

(C) None of the above

 

49. In case of transport loan the charge should be created by:

(A) Hypothecation

(B) Pledge

(C) Mortgage

 

50. The period of limitation for filling a suit for recovery of money lent under a Demand Promissory Note is:

(A) Three years from the date of execution of the document

(B) Seven years from the date of execution of the document

(C) Twelve years from the date of execution of the document

 

51. While you are granting loan against Life insurance Policy, the charge should be:

(A) Set -Off

(B) Assignment

(C) Lien

 

52. Sources of fund available for an organization is shown at ——– side of the balance sheet

(A) Asset

(B) Liability

(C) Right

 

53. For filing suit against a defaulter borrower under ‘Insolvency Act’ the amount claim of the Creditor(S) should be at least:

(A) Tk. 3.00 Lac

(B) Tk. 5.00 Lac

(C) Tk. 7.00 Lac

 

54. As per” Artha Rin Adalat Act, 2003″ the bank/debtor should go to the following court for appeal against the decree:

(A) Supreme Court

(B) District Judge Court

(C) High Court

 

55. When a manufacturer wants to borrow money on the security of raw materials or stock-inprocess which are in the process of being manufactured into finished products, bank prefers:

(A) Lien of goods

(B) Hypothecation of goods

(C) Pledge of goods

 

56. Drawing Power in CC (Pledge) facility is calculated on the basis of:

(A) Limit & Stock

(B) Stock & Margin

(C) Stock, Margin & Limit

 

57. Counter Guarantee is taken from:

(A) Beneficiary

(B) Principal Debtor

(C) Guarantor

 

58. In case of advance against pledge of goods of a limited company, charge should be registered with:

(A) Registrar of Joint stock company within 21 days

(B) Controller of Capital Issues within 21 days

(C) Registration of such charge is not required

 

59. The borrowing power of a Company is to be determined by:

(A) Memorandum of Association

(B) Articles of Association

(C) Certificate of Incorporation

 

60. Equitable Mortgage means:

(A) Registered mortgage for token amount

(B) Legal mortgage for full amount

(C) More deposit of Title Deed

 

61. In case of an advance allowed to a limited company against legal mortgage of land of its own, the property is to be registered with:

(A) The Sub-Registrar Office / District Registrar Office

(B) The Registrar of the Joint Stock Company

(C) Both of the above

 

62. Principles of sound lending is followed by the bankers: (A) To minimize risk (B) To maximise profit (C) None of the above

 

63. Lien is created over the securities held by the bank through:

(A) Letter of Lien

(B) Demand Promissory Note

(C) Letter of Disclaimer

 

64. In a guarantee, the liability of the surety is:

(A) Absolute

(B) Primary

(C) Conditional

 

65. Which one of the charge documents is required for all types of advances? (A) Demand Promissory Note

(B) Letter of Continuity

(C) Letter of Undertaking

 

66. Loan which is not backed by any security is called:

(A) Bad Loan

(B) Risky Loan

(C) Clean Loan

 

67. CIB Report is to be obtained about a new customer for granting loan amounting to:

(A) More than Tk. 1.00 crore

(B) More than Tk. 50.00 Lac

(C) Any amount

 

68. Rates of interest to be charged against various forms of advances are determined by:

(A) Bank’s own policy

(B) As per directives of Bangladesh Bank

(C) Mutual agreement with the borrower

 

69. Which is the unclassified Loan?

A) SMA

B) SS

C) DF

D) BL

 

70. How does base for provision calculated in respect of Classified Loan?

A) Based on total outstanding

B) Total outstanding minus interest suspense

C) Total outstanding minus interest suspense minus eligible security

D) Total outstanding minus eligible security

 

71. What is the percentage of provision kept for Doubtful Loans and Advances? A) 5% of base for provision

B) 20% of base for provision

C) 50% of base for provision

D) 100% of base for provision

 

72. When shall a continuous loan be past due/overdue?

A) After the date of expiry

B) After 3 month of expiry date

C) After 6 month of expiry date

D) After last payment date

 

73. Section 33 is about _______

A) Summon Notice

B) Auction Notice

C) Execution of Decree

D) Show Cause Notice

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