JAIIB Exam 2025 – PPB Important Questions MCQs Quiz-27

13/03/2025

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JAIIB Exam 2025 PPB Important Questions MCQs Quiz-27

JAIIB Exam Quiz 2025: The JAIIB exam is scheduled for 2025 by IIBF. Here, we are providing JAIIB PPB MCQ-based quizzes on a regular basis. You can attempt the quizzes regularly to prepare for the upcoming JAIIB exam. The quizzes will be provided module-wise and unit-wise. You can attempt the JAIIB PPB quizzes from the links below and improve your preparation by practicing regularly. These quizzes will help you boost your score in the JAIIB exam and guide you to clear the exam on your first attempt.

1. ______ asset is considered uncollectible and of such little value that its continuance as a bankable asset is not warranted although there may be some salvage or recovery value.
a) Substandard asset
b) Doubtful asset
c) Loss asset
d) None of the above

2. A provision of _______on total outstanding should be made on substandard assets where securities are available.
a) 10 per cent
b) 15 per cent
c) 25 per cent
d) 30 per cent

3. Banks should make provision for standard assets at the rate of _____ for advances to Commercial Real Estate – Residential Housing Sector (CRE – RH).
a) 0.25%
b) 0.75%
c) 0.5%
d) 1%

4. ______account in banking indicates a loan that has overdue principal or interest payments for 61 to 90 days.
a) SMA-0
b) SMA-1
c) SMA-2
d) NPA

5. Lenders are required to report credit information to ______, on all borrowers having aggregate exposure of Rs. 5 crore and above with them.
a) CERSAI
b) CRILC
c) CKYCR
d) SEBI

6. Where a viable Resolution Plan in respect of a borrower is not implemented within 180 days, all lenders shall make additional provisions of ______ of total outstanding.
a) 20%
b) 15%
c) 10%
d) 30%

7. When will a loan be NPA?
(a) Interest and/or loan instalments overdue for more than 90 days.
(b) A/c is out of order in case of overdraft/cash credit
(c) Bill remains overdue for more than 90 days in BP/BD
(d) All of the above

8. Direct advances to agriculture and SME under standard assets category requires provision at the rate of __________.
(a) 0.40 per cent
(b) 0.10 per cent
(c) 1.00 per cent
(d) 0.25 per cent

9. Provision required for ten-month old unsecured substandard asset of a willful defaulter is ___________
(a) 10 per cent.
(b) 40 per cent.
(c) 25 per cent.
(d) 20 per cent.

10. A substandard asset is one which has remained NPA for a period less than or equal to __________.
(a) 12 months
(b) 6 months
(c) 90 days
(d) 180 days