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2016-DAIBB - LRM - Nov

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SHEIKH MOHAMMAD KAUSARUL ALAM
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10 views

2016-DAIBB - LRM - Nov

IBB

Uploaded by

SHEIKH MOHAMMAD KAUSARUL ALAM
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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<< v THE INSTITUTE OF BANKERS, BANGLADESH. (BB) Banking Diploma Examination, Novenbor-2616 DAIBB Lending Oparation and Risk Managament (LRM) Time—3 hours Full marks—100 Pass marks—50 (N.3.— Any five questions to be answered] - (@) Discuss the factors those to be essentially considered before opening a Tural branch of a Bank. (®) How a business plan to be prepared for proposed branch. Mention about the qualities and efficiency that a selected opening branch manager should possess for the branch success. + (@) What do you know about check list for a borrower? Does your bank has any approved checklist for prior awareness and compliance of the loan applicant? Mention some major points those are to be included in the checklist as basic requirement. (2) Define credit worthiness of a prospective borrower. Discuss the points to be taken care of in selecting a new borrower. - (a) Discuss the different types of securities that a banker usually at disbursement of credit. > (b) State how the securities are maintained on record to protect interest of the financer. . }. (a) What is a project? Explain the most essential factors related to an investment project appraisal to help the management to decide on sanction issue. (&) Do you foresee any risk for the financer against disbursement of long term project loan? Please comment and explain. |. (a) Define SME credit in the light of BB"s guidelines and mention the booster sector. (®) Bangladesh Bank has of tate made some changes as regards provisioning on SME loans, but some banks are reported to have been measuring the revised concept through under conversion of some other loans be SME loans. Provide your opinion on the matter. . (@) What do you mean by loan pricing? Discuss the components, which are to be taken into account in pricing a loan programme. Does your bank consider those points while launching a new loan scheme? (&) What do you mean by CRG? Discuss the components of CRG those should be taken into consideration by a bank appraisal of a syndicate loan. 2 4s =e O [Please turn over 2 7. (a) Discuss the basis of determining the classification status of classified loans and advances and provisioning rules provided by Bangladesh Bank (BB). (b) Do you think present system of loan classification should be changed? Do you have any suggestions on the present system of provisioning against regular loans and advances? Explain with reasons. 8. (@) Explain why Commercial Bank usually prefer to accept land and building as collateral securities against loans. Mention the tangable benefits banks derive from it. ‘ (b) List down the lands, which cannot be accepted. as security. Provide reasons thereto. 9. (a) Discuss the negative impacts of non performing loans. 8) Discuss the details of non performing loan recovery processes on both legal and non legal aspects. , 10. Write short notes on any five of the following -— (@) Asset liability management (ALM) (b) Back to Back L/C (c) Capital Market (@ Discrepant L/C (@) Control of fraud and forgeries in Banks () Loan write off (g) Social Corporate Responsibility (SCR) () Break-Even Point () Equity-Entrepreneurship Fund (EEF)

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