a Only profit motive b Profit motive as well as social welfare c Others 2 What kind of loans is provided by Janata Bank? a) General credit b) Rural credit c) Foreign commercial loan d) Special program financing 3. Is there existence of delegation of authority in case of sanctioning loan? a) Yes b) No 4. Do you think that the credit policy is flexible to attract the customer? a) Yes b) No 5. Who are the target customers of Janata Bank? a) Business man b) Farmers c) Entrepreneurs d) Others 6. At what point / points will you give more emphasis in case of loan disbursement procedure? a) Credit information of the customers b) Nature of the security of the customers c) Lending risk analysis 7. Would you think that the procedure is more familiar with the customers? a) Yes b) No 8. What are the basic tools of credit management? a) GRG b) Financial spreadsheet c) Others 9) Is there any provision to calculate N score and Z score in case of choosing business or firm for giving loan? a) Yes b) No 10. Is there any option to sanction personal loan? a) Yes b) No
11. What are the sectors in which JB gives more priority?
a) Industrial Financing Program b) Import and Export Financing Program
c) Agricultural financing program
d) General Credit Program 12. In what maturing stages JB classifies the bank loans and advances? a) According to Bangladesh Bank b) Own procedure 13. Does Janata Bank permit any loan without any collateral security? a) Yes b) No 14. Does the credit department supervise and monitor recovery performance of the distributed loans and advances? a) Yes b) No 15. What are the main reasons to default loan? a) Loan given to fictitious name b) Loan given without sufficient securities c) Political misuse of loan program 16. Is IAS # 30 strictly followed in preparing financial statements? a) Yes b) No 17. Are the forms of financial statements prescribed by Bank Companies Act 1991 followed? a) Yes b) No 18. Do you think that enough provision against classified loans and advances are kept? a) Yes b) No 19. Is there any latest loan program? a) Yes b) No 20. Standard Credit Proposal Forms designed by Central Bank are filled up Credit Officer with a) Exact figure b) Assumed figure 21. May the loan disbursement procedure be hampered arising from any situation? a) Yes b) No