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Questions and Answers
What is the primary purpose of the Global Credit Exposure Management Policy?
What is the primary purpose of the Global Credit Exposure Management Policy?
Which committee is responsible for overseeing the governance of credit risk management?
Which committee is responsible for overseeing the governance of credit risk management?
Which type of lending does NOT fall under the 'Credit Governance and Segmentation' section?
Which type of lending does NOT fall under the 'Credit Governance and Segmentation' section?
What aspect does the classification of customers for credit risk primarily influence?
What aspect does the classification of customers for credit risk primarily influence?
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Which of these groups is specifically classified under 'Rural & Agricultural Banking Business'?
Which of these groups is specifically classified under 'Rural & Agricultural Banking Business'?
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Which committee is NOT a part of the governance structure outlined in the policy?
Which committee is NOT a part of the governance structure outlined in the policy?
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The 'Purpose and Scope of the Policy' section primarily focuses on what aspect of credit management?
The 'Purpose and Scope of the Policy' section primarily focuses on what aspect of credit management?
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What is a key responsibility of the Risk Management Department?
What is a key responsibility of the Risk Management Department?
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What is the minimum surplus required for the Bank to issue PSLC?
What is the minimum surplus required for the Bank to issue PSLC?
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Which of the following activities requires activity clearance from COCC-CGM if the exposure exceeds Rs. 1 crore?
Which of the following activities requires activity clearance from COCC-CGM if the exposure exceeds Rs. 1 crore?
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For which proposal is the activity clearance NOT required regardless of the amount?
For which proposal is the activity clearance NOT required regardless of the amount?
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What is the maximum amount for which activity clearance from ZOCC-GM is necessary?
What is the maximum amount for which activity clearance from ZOCC-GM is necessary?
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Which of the following industries is categorized under Category A and requires clearance if exposure exceeds Rs. 1 crore?
Which of the following industries is categorized under Category A and requires clearance if exposure exceeds Rs. 1 crore?
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What is the role of COCC-ED in regards to financing activities?
What is the role of COCC-ED in regards to financing activities?
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Which activity falls under Category B requiring clearance for exposure exceeding Rs. 1 crore?
Which activity falls under Category B requiring clearance for exposure exceeding Rs. 1 crore?
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What type of loan is mentioned under the Category A activities that necessitates activity clearance?
What type of loan is mentioned under the Category A activities that necessitates activity clearance?
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What is the maximum aggregate amount that can be written off for a borrower to be considered for further lending?
What is the maximum aggregate amount that can be written off for a borrower to be considered for further lending?
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What is the required CIBIL score for a borrower seeking a fresh retail loan after a write-off?
What is the required CIBIL score for a borrower seeking a fresh retail loan after a write-off?
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After how many years must a loan account be closed for a borrower to reapply for credit facilities?
After how many years must a loan account be closed for a borrower to reapply for credit facilities?
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Which of the following authorities can approve proposals below the power of ZOCC?
Which of the following authorities can approve proposals below the power of ZOCC?
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What condition applies to credit card write-off cases for further lending?
What condition applies to credit card write-off cases for further lending?
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Which situation disqualifies a firm from receiving a bank loan?
Which situation disqualifies a firm from receiving a bank loan?
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What is the condition for promoters/partners/directors of firms with loans settled under a compromise to secure new credit?
What is the condition for promoters/partners/directors of firms with loans settled under a compromise to secure new credit?
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Which of the following is a correct statement regarding write-offs under loan waiver schemes?
Which of the following is a correct statement regarding write-offs under loan waiver schemes?
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What percentage of C & IC customers with exposure of Rs. 50 crore and above must meet the prescribed COE during a financial year?
What percentage of C & IC customers with exposure of Rs. 50 crore and above must meet the prescribed COE during a financial year?
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Who is responsible for determining the threshold level for RAROC?
Who is responsible for determining the threshold level for RAROC?
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Why is RAROC calculated for fresh/review proposals?
Why is RAROC calculated for fresh/review proposals?
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What type of credit risk exposures do not add economic value to shareholders?
What type of credit risk exposures do not add economic value to shareholders?
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Which of the following is exempted from the RAROC framework?
Which of the following is exempted from the RAROC framework?
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What does RAROC promote according to the guidelines provided?
What does RAROC promote according to the guidelines provided?
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Who has the authority to review COE and approve target rates for RAROC?
Who has the authority to review COE and approve target rates for RAROC?
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What is the role of the Risk Management Department in relation to RAROC?
What is the role of the Risk Management Department in relation to RAROC?
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What primary type of risk does credit risk or default risk involve?
What primary type of risk does credit risk or default risk involve?
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Which of the following is NOT a component of credit risk for a single customer?
Which of the following is NOT a component of credit risk for a single customer?
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Credit risk in relation to a portfolio includes which types of risk?
Credit risk in relation to a portfolio includes which types of risk?
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What factor does the credit risk of a bank's lending portfolio depend on?
What factor does the credit risk of a bank's lending portfolio depend on?
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What is the significance of 'strategic goals' in credit risk management?
What is the significance of 'strategic goals' in credit risk management?
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Which type of risk is intrinsic to the individual customer or counterparty?
Which type of risk is intrinsic to the individual customer or counterparty?
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Which of the following accurately defines concentration risk?
Which of the following accurately defines concentration risk?
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What is the key to determining the amount of regulatory and economic capital a bank needs?
What is the key to determining the amount of regulatory and economic capital a bank needs?
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Who has the authority to approve deviations, modifications, concessions, and waivers that are not specified in the policy for scheme-specific matters?
Who has the authority to approve deviations, modifications, concessions, and waivers that are not specified in the policy for scheme-specific matters?
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What is the minimum gross annual turnover for borrower entities to be classified as Corporate & Institutional Credit (C & IC)?
What is the minimum gross annual turnover for borrower entities to be classified as Corporate & Institutional Credit (C & IC)?
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If a credit proposal requires approvals from multiple authorities, which authority is responsible for collective evaluation and granting of approvals?
If a credit proposal requires approvals from multiple authorities, which authority is responsible for collective evaluation and granting of approvals?
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Which of the following is a condition under which deviations, modifications, concessions, and waivers should be given?
Which of the following is a condition under which deviations, modifications, concessions, and waivers should be given?
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What type of borrowers are excluded from being classified as C & IC borrowers?
What type of borrowers are excluded from being classified as C & IC borrowers?
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For credit proposals that necessitate multiple approvals, what must be recorded for each deviation granted?
For credit proposals that necessitate multiple approvals, what must be recorded for each deviation granted?
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What is the classification for borrowers with an initial project cost above Rs. 100 crore until DCCO is achieved?
What is the classification for borrowers with an initial project cost above Rs. 100 crore until DCCO is achieved?
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Which authority has the power to consider deviation and modification for proposals under the powers of COCC-CGM?
Which authority has the power to consider deviation and modification for proposals under the powers of COCC-CGM?
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Which of the following sectors is exempt from the Rating Threshold for Negative Outlook?
Which of the following sectors is exempt from the Rating Threshold for Negative Outlook?
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What is the minimum exposure limit for MSME borrowers to be exempt from the Rating Threshold?
What is the minimum exposure limit for MSME borrowers to be exempt from the Rating Threshold?
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What is the validity period of the Priority Sector Lending Certificate (PSLC)?
What is the validity period of the Priority Sector Lending Certificate (PSLC)?
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How much of the previous year's PSL achievement can be issued as PSLC without having underlying assets?
How much of the previous year's PSL achievement can be issued as PSLC without having underlying assets?
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What type of banks can trade in PSLC through RBI’s CBS portal?
What type of banks can trade in PSLC through RBI’s CBS portal?
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What is the minimum lot size for trading PSLCs?
What is the minimum lot size for trading PSLCs?
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Which authority must approve the annual target market approach prepared by credit verticals?
Which authority must approve the annual target market approach prepared by credit verticals?
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Which group is expressly exempted from the RAROC framework?
Which group is expressly exempted from the RAROC framework?
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What criteria must be fulfilled for a takeover proposal with an external credit rating of BB to not require an Agreement in Principle (AIP)?
What criteria must be fulfilled for a takeover proposal with an external credit rating of BB to not require an Agreement in Principle (AIP)?
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In what scenario is an Agreement in Principle (AIP) not required for fresh proposals from Corporate borrowers?
In what scenario is an Agreement in Principle (AIP) not required for fresh proposals from Corporate borrowers?
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What is the minimum external credit rating required for MSME and Agriculture borrowers to avoid an AIP for fresh proposals?
What is the minimum external credit rating required for MSME and Agriculture borrowers to avoid an AIP for fresh proposals?
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What does credit risk or default risk primarily involve?
What does credit risk or default risk primarily involve?
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Which factor is critical in determining the credit risk of a bank's lending portfolio?
Which factor is critical in determining the credit risk of a bank's lending portfolio?
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Which of the following conditions will exempt a Corporate borrower from requiring an AIP regardless of ZOCC-GM powers?
Which of the following conditions will exempt a Corporate borrower from requiring an AIP regardless of ZOCC-GM powers?
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What does concentration risk relate to in the context of credit risk?
What does concentration risk relate to in the context of credit risk?
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Which of the following entities do not require activity clearance for MSME loans under specific schemes?
Which of the following entities do not require activity clearance for MSME loans under specific schemes?
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Which type of risks is included in the credit risk when assessing a portfolio?
Which type of risks is included in the credit risk when assessing a portfolio?
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What is a condition that must be met for an AIP to be exempted for takeovers of MSME and Agriculture proposals?
What is a condition that must be met for an AIP to be exempted for takeovers of MSME and Agriculture proposals?
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What is the requirement for an external credit rating to trigger an Agreement in Principle for fresh Corporate proposals?
What is the requirement for an external credit rating to trigger an Agreement in Principle for fresh Corporate proposals?
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What is intrinsic to a customer's credit risk?
What is intrinsic to a customer's credit risk?
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For effective lending against deposits in cooperative banks, what certification is required?
For effective lending against deposits in cooperative banks, what certification is required?
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How does regulatory and economic capital influence credit risk management?
How does regulatory and economic capital influence credit risk management?
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When assessing a borrower's credit risk, what initial factor is most significant?
When assessing a borrower's credit risk, what initial factor is most significant?
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What is the relationship between strategic goals and risk-adjusted return in the context of credit risk?
What is the relationship between strategic goals and risk-adjusted return in the context of credit risk?
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What is the maximum amount that can be written off for a borrower to still be considered for further lending?
What is the maximum amount that can be written off for a borrower to still be considered for further lending?
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What minimum CIBIL score is required for a borrower seeking retail loans after a write-off?
What minimum CIBIL score is required for a borrower seeking retail loans after a write-off?
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Which of the following conditions must be met for promoters or partners of firms with a loan write-off to apply for new credit?
Which of the following conditions must be met for promoters or partners of firms with a loan write-off to apply for new credit?
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Who has the authority to approve proposals that exceed the powers of ZOCC-GM?
Who has the authority to approve proposals that exceed the powers of ZOCC-GM?
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In credit card write-off cases, which is the maximum settlement amount for a borrower to be eligible for further lending?
In credit card write-off cases, which is the maximum settlement amount for a borrower to be eligible for further lending?
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Which category of lenders can have their proposals for further lending considered based on merits after a write-off?
Which category of lenders can have their proposals for further lending considered based on merits after a write-off?
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What is the time frame required for a loan account to be closed before a borrower can reapply for new credit facilities?
What is the time frame required for a loan account to be closed before a borrower can reapply for new credit facilities?
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Which authority addresses proposals falling below the power threshold of ZOCC?
Which authority addresses proposals falling below the power threshold of ZOCC?
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What is the primary function of the COCC-CGM regarding proposals related to certain activities?
What is the primary function of the COCC-CGM regarding proposals related to certain activities?
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Which of the following activities is specifically discouraged by the bank?
Which of the following activities is specifically discouraged by the bank?
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What is a requirement for credit facilities for borrowers wishing to set up products listed in the banned category?
What is a requirement for credit facilities for borrowers wishing to set up products listed in the banned category?
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What is the TAT that branches must maintain when submitting the AIP form?
What is the TAT that branches must maintain when submitting the AIP form?
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Which of the following is NOT a necessary requirement when considering an AIP?
Which of the following is NOT a necessary requirement when considering an AIP?
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What authority has the power to consider proposals above the limits of COCC-CGM?
What authority has the power to consider proposals above the limits of COCC-CGM?
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Which factors may lead to the rejection of a financing request according to the guidelines?
Which factors may lead to the rejection of a financing request according to the guidelines?
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What criteria should a borrower meet to be eligible for working capital facilities in the sugar production sector?
What criteria should a borrower meet to be eligible for working capital facilities in the sugar production sector?
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What type of lending is considered under the advances against bullion or primary gold category?
What type of lending is considered under the advances against bullion or primary gold category?
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In the context of exposure norms, what are substantial exposure caps primarily designed to prevent?
In the context of exposure norms, what are substantial exposure caps primarily designed to prevent?
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Which of the following categories does NOT fall under capital market exposure?
Which of the following categories does NOT fall under capital market exposure?
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What is the primary purpose of granting bridge loans against receivables from government?
What is the primary purpose of granting bridge loans against receivables from government?
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Which type of advance is specifically meant for the acquisition of Kisan Vikas Patras?
Which type of advance is specifically meant for the acquisition of Kisan Vikas Patras?
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Which financing option is included under bank guarantees issued to other banks or financial institutions?
Which financing option is included under bank guarantees issued to other banks or financial institutions?
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In cross-border lending, which factor is crucial for assessing the exposure risk?
In cross-border lending, which factor is crucial for assessing the exposure risk?
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What type of exposure limit is set based on the nature of the activity being funded?
What type of exposure limit is set based on the nature of the activity being funded?
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What is a key responsibility of the Credit Policy Committee?
What is a key responsibility of the Credit Policy Committee?
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Which segment does not fall under the classification of Customers for the Purpose of Credit Risk Exposures?
Which segment does not fall under the classification of Customers for the Purpose of Credit Risk Exposures?
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What role does the Governance Structure primarily serve in the credit exposure management policy?
What role does the Governance Structure primarily serve in the credit exposure management policy?
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Which factor is primarily used to classify borrowers under Corporate & Institutional Credit?
Which factor is primarily used to classify borrowers under Corporate & Institutional Credit?
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What is the role of the Risk Management Committee of the Board?
What is the role of the Risk Management Committee of the Board?
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Which of the following is NOT included in the objectives of the policy?
Which of the following is NOT included in the objectives of the policy?
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What primary type of lending is classified under Retail Lending?
What primary type of lending is classified under Retail Lending?
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In the governance structure, which committee is primarily responsible for credit policy formulation?
In the governance structure, which committee is primarily responsible for credit policy formulation?
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What minimum surplus must be met for the Bank to issue PSLC?
What minimum surplus must be met for the Bank to issue PSLC?
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Which of the following activities does NOT require activity clearance from COCC-CGM if exposure exceeds Rs. 1 crore?
Which of the following activities does NOT require activity clearance from COCC-CGM if exposure exceeds Rs. 1 crore?
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What is the approval authority for activities under Category A proposals that exceed Rs. 1 crore in exposure?
What is the approval authority for activities under Category A proposals that exceed Rs. 1 crore in exposure?
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For which of the following sectors is activity clearance not required if the exposure exceeds Rs. 1 crore?
For which of the following sectors is activity clearance not required if the exposure exceeds Rs. 1 crore?
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Which of the following activities requires activity clearance from COCC-ED?
Which of the following activities requires activity clearance from COCC-ED?
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What is the maximum exposure limit for aviation projects before requiring activity clearance from authorities?
What is the maximum exposure limit for aviation projects before requiring activity clearance from authorities?
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Which of the following is true regarding Category B activities and exposure limits?
Which of the following is true regarding Category B activities and exposure limits?
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Which of the following activity requires activity clearance for exposures exceeding Rs. 5 crore?
Which of the following activity requires activity clearance for exposures exceeding Rs. 5 crore?
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Which industry is NOT required to have an industrial license?
Which industry is NOT required to have an industrial license?
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Which of the following hazardous chemicals requires industrial licensing?
Which of the following hazardous chemicals requires industrial licensing?
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What percentage of the corporate loan book does BOB plan to allocate to the BOB 3 internal rating range?
What percentage of the corporate loan book does BOB plan to allocate to the BOB 3 internal rating range?
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What is the cap for exposures rated BOB 7 and below?
What is the cap for exposures rated BOB 7 and below?
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Which of the following drug regulations was modified in 1994 according to industrial licensing needs?
Which of the following drug regulations was modified in 1994 according to industrial licensing needs?
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Which external rating corresponds to the internal rating range of BOB 4?
Which external rating corresponds to the internal rating range of BOB 4?
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What is the target share in the incremental business for non-investment-grade loans?
What is the target share in the incremental business for non-investment-grade loans?
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Which of the following activities is likely to require clearance if the exposure exceeds Rs. 1 crore?
Which of the following activities is likely to require clearance if the exposure exceeds Rs. 1 crore?
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What is the correct procedure for submitting an AIP form?
What is the correct procedure for submitting an AIP form?
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Which activity is explicitly discouraged by the bank?
Which activity is explicitly discouraged by the bank?
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What is the position of COCC-CGM regarding proposals that exceed their authority?
What is the position of COCC-CGM regarding proposals that exceed their authority?
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Which of the following is a necessary requirement for AIP submissions?
Which of the following is a necessary requirement for AIP submissions?
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In which scenario will the bank provide financing?
In which scenario will the bank provide financing?
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What is the significance of the specified TAT during AIP consideration?
What is the significance of the specified TAT during AIP consideration?
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Which of the following sectors is specifically mentioned as discouraged for new financing?
Which of the following sectors is specifically mentioned as discouraged for new financing?
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What condition applies to borrowers with other financial institution defaults?
What condition applies to borrowers with other financial institution defaults?
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What is the maximum percentage of fresh or incremental business allowed for CMR-7 rated accounts?
What is the maximum percentage of fresh or incremental business allowed for CMR-7 rated accounts?
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For MSME exposure between Rs. 7.50 crore and Rs. 50 crore, which rating is applicable?
For MSME exposure between Rs. 7.50 crore and Rs. 50 crore, which rating is applicable?
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What rating criteria applies to MSME exposure exceeding Rs. 50 crore?
What rating criteria applies to MSME exposure exceeding Rs. 50 crore?
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What is the target share in incremental business for obligors rated BOB 3 & BOB 4?
What is the target share in incremental business for obligors rated BOB 3 & BOB 4?
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What is the cap percentage for BOB 7 & below rated obligors?
What is the cap percentage for BOB 7 & below rated obligors?
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Which department is responsible for submitting monthly progress reports regarding incremental credit exposure rating grade-wise?
Which department is responsible for submitting monthly progress reports regarding incremental credit exposure rating grade-wise?
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What is the role of a covenant in the loan agreements regarding promoters and directors?
What is the role of a covenant in the loan agreements regarding promoters and directors?
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How much of the total exposure can a shortfall in any rating grade be compensated by investing in upper rating grades?
How much of the total exposure can a shortfall in any rating grade be compensated by investing in upper rating grades?
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What is the target share in external rating for obligors rated BOB 6 & below?
What is the target share in external rating for obligors rated BOB 6 & below?
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What is required from a borrower before providing fresh exposure in certain credit card accounts?
What is required from a borrower before providing fresh exposure in certain credit card accounts?
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What precaution must the Bank take when lending to Group or Associate Concerns?
What precaution must the Bank take when lending to Group or Associate Concerns?
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Which action must be taken if a promoter or director from a defaulting company is found on the board of a borrower?
Which action must be taken if a promoter or director from a defaulting company is found on the board of a borrower?
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What happens if a Bureau Report contains adverse remarks about an applicant?
What happens if a Bureau Report contains adverse remarks about an applicant?
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Study Notes
Global Credit Exposure Management Policy 2024
- This document outlines the Bank of Baroda's policy for managing global credit exposures.
- The policy covers various aspects of credit risk, governance, and credit strategy
- This policy applies globally to all types of credit exposures, both at stand-alone and consolidated levels.
- Consolidated exposures are based on the Banking Group entities as per RBI guidelines.
- Individual group entities follow specific Credit Policies approved by their respective Boards
- The policy details credit risk exposures for corporate and institutional credit, MSME, rural/agricultural and retail lending businesses.
- It outlines credit delivery channels, expansion planning, and the process of launching credit-related products
- The policy covers Credit Risk Strategy, target sectors/markets, priority sector lending, activity clearance, and credit rating matrices
- It includes a breakdown of restricted exposures, including defaulters, fraud accounts, and loans to directors of the bank
Governance Structure
- The policy outlines the governance structure for managing credit risk, including the Board of Directors, Risk Management Committee of the Board (RMCB), Credit Policy Committee (CPC), and Product & Process Approval Committee (PPAC)
- The roles and responsibilities of each committee are described in the document.
Credit Governance and Segmentation
- The document outlines criteria for classifying customers based on credit risk exposure, specifically categorizing corporate/institutional, MSME, rural/agricultural, and retail lending.
- It details regulatory requirements and other guidelines.
Credit Process
- It describes the credit approval process, facility structure, and the process for handling applications and processing thereof.
- Specific guidelines are provided for working capital, project loans, and other credit facilities.
- Detailed procedures for due diligence, security valuation, and security perfection are mentioned.
Monitoring and Control
- The document details three lines of defence for credit risk management, including the responsibilities of various departments such as Customer Relationship, Risk Management, and Audit.
- Specific guidelines are provided for reviewing, monitoring, and managing credit limits.
- Methods and tools for reviewing and monitoring credit exposures within the bank are highlighted.
Reporting of Breaches
- Procedures for reporting breaches of credit policy are included.
- The policy outlines the responsibilities and actions to take in the event of any breaches or violations.
Training and Development
- The policy emphasizes training for staff involved in credit risk management, including periodic training, and skill development plans for staff.
- The policy highlights the importance of maintaining and monitoring data.
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Description
Explore the Bank of Baroda's comprehensive policy for managing global credit exposures in 2024. This framework addresses aspects of credit risk, governance, and strategies applicable to various lending sectors including corporate and rural credit. Gain insights into credit delivery channels and compliance with RBI guidelines.
