| Q.1 |
State True or False in
the answer column. (15) |
i |
Under the SBP Revolving Credit Scheme banks/FIs
extend loans for three years with the condition to clean-up the
mark-up once in a year. |
ii |
Under the Prudential Regulations for Agriculture
banks/FIs are required to disburse the long term loan within 15
days after the completion of all formalities. |
iii |
Financing to agri processing industries comes
under agricultural financing subject to the condition that at lease
50% of the producer is processed by the farmer himself. |
iv |
For livestock financing banks/FIs is required
under SBP guidelines to disburse loans against the security of passbook
in addition to the cattle/animal. |
v |
Non issuance/ incomplete Passbook is the main
impediment in disbursement of agri loans in Sindh. |
vi |
Under the current SBP regulations/policies
banks are given mandatory targets for agri financing and non-compliance
attracts panel action. |
vii |
Under the SME Prudential Regulations banks
can take exposure to SME up to Rs. 3 million without any collateral.
|
viii |
Agriculture is the single largest sector in
Pakistan’s GDP. |
ix |
Non-crop credit includes financing for livestock,
poultry, fisheries and horticulture. |
x |
Major impediments in lending to SME is non
availability of collateral, lack of information, unawareness about
banking facilities, etc. |
xi |
Report on the Estimation of Agricultural Credit
Requirements was updated by SBP in 2006. |
xii |
Depreciation is the gain in worth of an item
during a year. |
xiii |
Intangible assets are called Fictitious assets.
|
xiv |
Liquidity measures the capability of a firm
to generate funds. |
xv |
Low risk generates need for higher compensation.
|
xvi |
There is no difference between arboriculture
& sericulture. |
xvii |
Wheat is ideally cultivated in marshy areas.
|
xviii |
Mechanization is meant Tractorization in the
country. |
xix |
Crop Growth Index is based on the quantity
of rainfall. |
xx |
During Green Revolution, livestock sector has
also registered record growth rates. |
xxi |
Profit indicates the repaying capacity of a
firm. |
xxii |
At Break even point revenue is always in excess
of total cost. |
xxiii |
Short term financing is a loan for a period
always less than a half year. |
xxiv |
Inflation rate is a gross source of distortions
in the whole exercise of measuring the costs & benefits. |
xxv |
Acid Test Ratio is also called the Quick Ratio.
|
xxvi |
Quick Ratio is calculated like Current Ratio.
|
xxvii |
Current Ratio is used to measure the ability
of a firm to meet the current bills & the obligations. |
xxviii |
Liquidity Ratios indicate the firm’s
ability to meet its maturing long term obligations. |
xxix |
Solvency Ratios measure the ability of a firm
to meet the short term debts, claims & the obligations. |
xxx |
Working capital ratio helps in determining
the ability of a firm to cope with its current liabilities. |
| Q.2 |
Please write the alphabate of selected choice
in the answer column: (10) |
i |
Under Prudential Regulations for agricultural financing banks
can provide clean lending up to:
A) Rs. 100,000/- B)
Rs. 200,000/- C)
Rs. 350,000/-
D) Rs. 500,000/- E)
Above Rs 500,000/- |
ii |
The share of disbursement to farm sector by the banks in 2005-06
is:
A) 50% B)
75% C)
85% D)
100% E)
Less than 50% |
iii |
The maximum tenure for livestock financing by banks would be:
A) 5 years (including grace period)
B) 5 years (excluding grace period)
C) 3 years (including grace period)
D) 3 years (excluding grace period)
E) None of the above |
iv |
Under livestock guidelines the indicative maximum financing/loan
limits for term finance is:
A) 20% of the actual cost B)
60% of the actual cost C)
80% of the actual cost
D) 90% of the actual cost
E) None of the above |
v |
The number of total farmers in Pakistan are:
A) 5.3 million B)
7.0 million C)
6.6 million
D) More than 8 million E)
None of the above |
vi |
The SME sector contributes ____to Pakistan’s GDP:
A) 10% B)
15% C)
20% D)
Over 30% E)
None of the above |
vii |
The sub sectors of SME comprises of:
A) Trading B)
Trading and Manufacturing
C) Manufacturing and Services D)
Trading and Services E)
All of the above |
viii |
The banks including specialized banks, five big banks and domestic
private banks disbursed Rs.______ billion during July 2005 to June
2006.
A) 104 B)
127
C) 137 D)
160 E)
None of the above |
ix |
In Pakistan SME sector comprises of ______________ business units.
A) 1 million B)
Less than 2 million
C) 3.2 million
D) 4.2 million E)
None of the above |
x |
In Pakistan over 99% business units employ less than __________
persons.
A) 150 B)
175
C) Less than 99
D) Above 200 E)
None of the above
|