Investment
1. How
you induct an investment client?
Ans: Character,
capital, creditworthiness, collateral, capacity, past performance, Islami
shariah permissibility, demand, supply, marketing network, profitability.
2. Would
you induct a politically exposed person as your investment client? Please
comment?
Ans: No,
Politically imposed person may influence in sanctioning investment and other
3. Is it
mandatory to maintain a current A/C with your branch to induct a prospective
investment client?
Ans: formalities. Political person has the
politically backing, so it is very difficult to
4. How you
process a composite investment proposal of Tk. 100.00 crore & above?
Ans: recover investment amount.
# It is mandatory to maintain C/a
for six months with the branch. But it is not followed
by the bank in all cases to induct a
prospective client.
# In case of failure of the party to
repay the investment amount or if the litigation
problem arises the party may refuse
he did not avail any investment
10. What are
the consequences of improper documentation of investment?
Ans: Incase of improper documentation, court may
reject the suit file.
11. What is
the DP Note? Why it is obtained?
Ans: It
is an undertaken by the client to pay the investment amount. It is taken
safeguard the investment.
12. Why DP
Note Delivery Letter is taken?
Ans: It
is the forwarding letter of D.P note wherein the client admitted that he
permitted that he provided D.P. not willfully without any pressure.
13. What are
the charge documents?
Ans. (a)
D.P. Note (b) D.P delivery letter (c)
Letter of Guarantee (d) Letter of Installment (e) Letter of disclaimer (f) Letter of pledge (g)
Letter of Hypothecation.
14. In what
cases Letter of Disclaimer is obtained?
Ans: If
the stocks are stored in the third party godown or party’s , then letter of
disclaimer of obtain. যখন মালামাল কোনো
তৃতীয় ব্যক্তির গোডাউনে রাখা হয় কিংবা পার্টের গোডাউনে রাখা হয় তখন এটা নেয়া হয়।
15. Within
how many days charge is to be created with RJSC in case of Ltd. Company?
Ans: 21 days (after disbursement )
16. What is
the difference between equitable & registered mortgage?
Ans: In Equitable mortgage only the original title deeds are deposited
by the client signing the memorandum of deposit of title deed.
Registered mortgage: party
registered the asset/ properties in the name of Bank.
Equitable mortgage formalities
incurred low cost.
Registered mortgage formalities
incurred high cost.
17. What are
the risks should be covered in insurance policy?
Ans: Fire,
Riot, strike, damage, earth quack, vulgarly, theft, pilferage, non delivery,
detrotion of stock.
19. What is
Pari-passu charge?
Ans: Pari passu charge means proportionate charge between two or more
Banks over a same security/immovable properties.
20. What is
documentation? What are the consequences if there is any improper
documentation?
Ans: Creation of charge over the mortgage
property that is documentation.
21. What are
the differences between Power of Attorney & Mandate?
Power of attorney
a. Delegation of power by registered
deed to some body to act his agent.
b.
After delegation of power
principle has no signing authorities.
c.
It is always registered.
d.
Witness required.
Mandate
a. Delegation
of power filling up a printed form to any body for operation of A/C.
b. Principal & Mandate person can
operate.
c. It is not registered.
d. Witness is not required.
22. How can
you ensure that the property is free from any encumbrance?
Ans: By searching sub registry office &
taking the NEC from authority.
23. What is
the eligible security? Which factors are included there?
Ans: The
property which are taken as collateral of the investment that is eligible
security.
a. Lien
property 100%.
b. Gold
ornament 100%
c. Govt.
Bond or savings certificate 100%.
d. Govt.
Guarantee 100%
e. Market
price of easily saleable goods 50%
f. Market
price of Mortgage land& building 50%
24. What is
the classification? How many times an investment account to be rescheduled?
Ans: Division
of overdue & expired investment according to time limit that is called
classification. 3 (three times)
25. Is
reschedule is essential? Why it is done in the month of December?
Ans: Yes. Reducing non performing assets,
increasing profitability.
26. What is
provisioning? Why provision is made?
Ans: To
save guard the interest of the depositors, the portion of profit which is
segregated to meet up unexpected/uncertain liability. To save guard the bank
interest and as per B.B circular.
27. What is
IRA? Why it is prepared?
Ans: Investment Risk Analysis is a method of
assessing risk of investment.
29. Will
fungible goods be rented out? If not why?
Ans: No,
fungible goods can not be rented out. Because this type of goods are one time
used.
31. What is
project appraisal? What factors are considered in appraising a project?
Ans: Pre-investment
analysis of an investment project with a view to determine its commercial,
technical, economic, financial & marketing aspects.
32. What are
the non-performing assets?
Ans:
The assets which do not generate any
income is called non performing assets.
33. How and
when disbursement is allowed?
Ans: After
completion of documentation formalities properly, we may allow disbursement.
34. What are
the differences between classification & overdue?
Ans:
Overdue
a.
Expiry
of due date of investment is called overdue.
b. In
case of overdue provision is not required.
c. Compensation
imposed.
d. Overdue
may classified or not.
Classified
investment
a. Division of overdue investment
according to their time limit is called classified investment.
b. Provision
is required.
c. Compensation
is not impose.
d. All
classified investment are overdue.
35. Differentiation
between:
a) Baimuajjal
& Hypothecation
b) Murabaha
& Pledge
Ans:
Bai Muajjal
a. Cash is not provide to the client. নগদ দেয়া হয় না।
b. Profit charge one time. একবারই মুনাফা ধার্য করা হয়।
c. Bank deals with goods ব্যাংক
পন্যদ্রব্যের সাথে ডিল করে।
Hypothecation
a. Creation of charge over a moveable
property is called Hypothecation
অস্থাবর
সম্পত্তির উপর চার্জ তৈরী করা হয়।
b. Cash provide to the client.
গ্রাহককে
নগদ প্রদান করা হয়।
c. Interest charge quarterly basis.
ত্রৈমাসিক
ভিত্তিতে সুদ চার্জ করা হয়।
d. Banks deal with money.
ব্যাংক
টাকার সাথে ডিল করে।
36. What are
the investment portfolios? What factors are considered in case of portfolio of
investment management?
Ans: Allocation
of fund among the investment alternative to achieve Banks goal and maximize
profit and also to minimize the investment risk is called portfolio Management.
a. Capital
position
b. Risk
& profitability
c. Tenure
of deposit
d. Credit
environment
e. Monetary
& fiscal policy.
37. What
factors to be considered to allow rebate & Why?
Ans: a. Earlier
Payment
b.
Regular Payment
38. In what
mode we can allow cash facility to the client instead of buying & selling
of goods?
Ans:. HPSM (Real Estate)
39. What is
value addition?
Ans: Account for gestation period is called value
addition.
40. What is
mortgage & how many kinds of mortgage?
Ans: Investment
obligation secured by particular piece of property for repayment is called
Mortgage.
Mortgage are six kinds;
1. Equitable Mortgage
2. Registered Mortgage
3. English Mortgage
4. Usufactury Mortgage
41. What are
the criteria of a good investment?
Ans: a.
Productivity
b. marketability
c. salability
d. regular payment
e. constant demand
f. efficient management
g. skilled manpower.
42. What
factors should be considered for ascertaining credit worthiness of a client?
Ans: a.
Capital b. Character c. collateral d. capacity e. Business reputation f. past
performance g. social status.
43. What
formalities are to be observed against disbursement of Quard-e- Hasana &
QTDR?
Ans: Demand Promissory note, D.P note delivery
letter, Pledge of TDR.
44. When we
obtain joint party D.P. Note & Double Party D.P. Note towards allowing
investment?
Ans:
a. Partnership business b. Private ltd.
Co c. Public ltd Co. d. Trustee etc.
45. How many
papers/documents are required to confirm the ownership of the immovable
property?
Ans: Original title deed, Khatian, Rent receipt,
NEC
² It
is a commitment by the client to the bank for make payment with full trustee.
48. What is
delivery order? How many parts of delivery order?
Ans: Delivery Order is an application by the client to bank for supply
of certain amount of goods on cash payment. It has three parts.
49. What is Purchase schedule?
Ans: It is a document by which we ensure buying and selling of the
goods, description of the goods that is purchase price and sales price are
mention there.
50. Why we charge compensation?
Ans: We
charge compensation for timely payment of investment due and safeguard the
banks interest.
50. Why compensation is haram ?
Ans: In
Islami shariah price is fixed one time not frequently. So the compensation what
we charge is not justified in shariah. That is why it is haram.
51. What is Marketing ?
Ans: Marketing
is the performance of business activities that direct the flow of goods and services from producers to
customer.
52. What is Endorsement?
Ans: It
is the way of ownership transfer from one to another signing back page of the
instrument like cheque, PO, DD etc.
No comments:
Post a Comment