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Question 1
A firm has Current Assets of ₹600 lakhs and Current Liabilities (excluding bank borrowings) of ₹200 lakhs. Calculate the Maximum Permissible Bank Finance (MPBF) under the First Method of the Tandon Committee guidelines.
Correct Answer:
₹300 lakhs
Question 2
Using the same figures (Current Assets of ₹600 lakhs and Current Liabilities excluding bank borrowings of ₹200 lakhs), calculate the MPBF under the Second Method of the Tandon Committee.
Correct Answer:
₹250 lakhs
Question 3
A company has a Net Profit After Tax of ₹120 lakhs, Depreciation of ₹30 lakhs, Non-operating income of ₹10 lakhs, Interest on Long-term debt of ₹40 lakhs, and principal repayment of long-term debt of ₹50 lakhs. Calculate the Debt Service Coverage Ratio (DSCR).
Correct Answer:
2.11
Question 4
If a borrower's Balance Sheet shows Total Debt of ₹800 lakhs and Tangible Net Worth of ₹400 lakhs, what is the Debt-Equity Ratio, and what does a high ratio generally indicate to a credit officer?
Correct Answer:
2.00; indicates high leverage and higher financial risk to creditors.
Question 5
An asset is classified as 'Substandard' under RBI's IRAC guidelines. If the asset has a secured balance of ₹200 lakhs and is entirely secured by primary collateral, what is the minimum provision required by the bank?
Correct Answer:
₹30 lakhs (15%)
Question 1
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About this Exam

Prepare with the BOI Credit Officer Practice Questions - Bank of India Credit Officer (GBO Stream MMGS-II) Exam practice quiz. This question bank includes 100 questions covering lakhs, bank, credit, ratio, and borrower. Use it to review important concepts, identify knowledge gaps, and build confidence for the related exam, course, or assessment.

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BOI Credit Officer Practice Questions - Bank of India Credit Officer (GBO Stream MMGS-II) Exam

This practice set contains 100 questions from the matching question bank and focuses on lakhs, bank, credit, ratio, and borrower. Work through each question carefully, review the provided solutions, and revisit topics that need more study before your next attempt.

This is an independent study resource intended for practice and review; it is not an official examination or an endorsement by any organization named in the title.

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