SME and Consumer Banking Question Paper, June-2014

THE INSTITUTE OF BANKERS, BANGLADESH (IBB)
Banking Diploma Examination, June, 2014

DAIBB
SME and Consumer Banking (SME)
Time-3 hours
Full marks-100

[N.B.—The figures in the right margin indicate full marks. Answer any five questions.]

1. Write short notes on any four of the following:-

(a) Net Present Value

(b) Cash Flow Analysis;

(c) Leasing;

(d) Break-Even Point

(e) Pay Back Period

(f) Venture Capital

2. (a) Discuss the importance of SME in the economic development of Bangladesh.

(b) Discuss the role of SME foundation in SME development in the country.

3. (a) What are the existing sources and areas of SME financing in Bangladesh? Discuss.

(b) Discuss the major constraints to the growth of SME finance in Bangladesh.

4. (a) Discuss the essentials of a busines plan

(b) How would you assess working capital requirements of an SME Project? Discuss.

5. (a) What do you mean by Project Appraisal?

(b) Discuss in details the various aspects of a Project Appraisal.

6. (a) SME is considered as an 'Employment Generating Machine'. Explain.

(b) `Consumer Credit provokes inflation —Do you agree with this statement? Discuss.

7. (a) What is Credit Risk?

(b) How would you mitigate the risks in SME loan? Discuss in details.

8. (a) Discuss the cost elements of an SME Project.

(b) How would you prepare a Repayment Schedule' of an SME loan? Discuss with an example.

9. Discuss the importance of monitoring and counseling in improving the quality of an SME loan.

10. (a) Discuss the negative impacts of non-performing loan.

(b) What measures would you take to recover a non-performing loan? Discuss.