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Quick Revision - 11

JANUARY 28, 2015

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Quick Revision - 11

 Quick Revision - 11

1. Another name for capital adequacy ratio --- Capital To Risk Weighted Assets Ration (CRAR)

2. Prospectus which does not mention the exact price or number of shares to be issued: Red Herring Prospectus

3. Situation marked by inflation, low growth and unemployment --- Stagflation

4. Sustained, high inflation which is difficult to control --- Hyperinflation

5. Monthly installment, including interest, towards repayment of a term loan --- Equated Monthly Installment (EMI)

6. Subvention implies --- Government subsidy on interest payable to the banks by the borrowers

7. Escrow Account --- Account opened for a borrower to receive all his income and later on, the bank decides what amount has to be shared with him and the balance goes towards repayment of bank and other dues

8. Situation marked by decline in general price levels --- Deflation

9.  NMIZ --- National Manufacturing and Investment Zones

10. Bilateral agreement to avoid taxation in both the countries --- Double Taxation Avoidance Agreement

11. Short term, unsecured instrument issued by corporate for short term working capital ---Commercial Paper

12. Foreign currency accounts in a foreign country by the Indian Banks --- Nostro Accounts

13.  Vostro Accounts --- India rupees accounts opened in India by the foreign banks

14. Real Time Gross Settlement System (RTGS) --- Method of remittance transactions which are settled on gross basis. Fastest method to transfer funds from one bank to another and one branch to another branch.
15. Process of hiding illegal money so that it looks like it came from legal source --- Money Laundering

16. Violations of Prevention of Money Laundering Act in banking are to be reported to ---Financial Intelligence Unit-India

17.  Many banks finance a single borrower with a common appraisal, common documentation, and joint supervision called --- Consortium Financing

18. Debt Service Coverage Ratio -- Ratios calculated to know the cash available for repaying the  borrower’s loan liabilities

19.  Two transverse, parallel lines on a cheque --- General Crossing

20. Bearer Cheque ---    When a cheque can be encashed by any person having the cheque



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