Credit Management Important MCQs:::
1. An account will be classified as substandard if it remains NPA for a
period not exceeding----months.
A. 18
B. 12
C. 24
D. 6
E. 36
Ans B
2. An account which remains in NPA category for a period of more than --
--- months will be classified as doubtful assets.
A. 18
B. 12
C. 24
D. 6
E. 36
Ans. B
3. An account guaranteed by state government will become NPA if the
interest and or instalment remain overdue for a period of
A. 90 Days
B. 180Days
C. It does not become NPA
D. Depends on case to case basis
E. As per government’s instructions
Ans A
4. In case of a consortium advance account the asset classification has to
be done on the basis of record of recovery with the
A. Bank concerned
B. Leader Bank
C. Majority of Banks
D. Majority of Banks by number
E. Majority of Banks by Share
Ans A
5. In accounts where the erosion of the value and the realizable value is
less than 10% of the outstanding, the account will be classified as
A. Substandard asset
B. Doubtful asset
C. Loss asset
D. No such guideline
E. On case to case basis
Ans C
6. In case of doubtful asset which has remained doubtful for more than 3
years the provision to be made against the secured portion is -----% of
the secured amount.
A. 20
B. 30
C. 50
D. 75
E. 100
7. In case of unsecured exposures in substandard category the provision
to be made is ----% of the total exposure.
A. 15
B. 25
C. 12.5
D. 10
E. 100
Ans B
8. What is the time limit prescribed by the DRT act for final disposal of
application filed for recovery of dues
A. 180 Days from date of receipt of application
B. No such limit is fixed
C. 180days for clean loans and 240 days for secured loans
D. 180days from close of evidence of both the sides
E. 60 Days from date of receipt of application
Ans A
9. The DRT are constituted by
A. RBI
B. Supreme court
C. High courts of respective states
D. Central Government
E. Lok adalats
Ans D
10. What is the minimum pecuniary jurisdiction of DRT
A. There is no such minimum stipulation
B. Rs.10 lacs
C. Rs.100 lacs
D. Rs.5 lacs
E. Rs.25 lacs
Ans B
11. With regard to DRT, find the incorrect-
A. The act extends to the whole of India except the state of Jammu
and Kashmir
B. Debts secured by mortgage of immoveable property are not
covered under DRT
C. The presiding officer of the tribunal is appointed by the Government
of India
D. The RRBs’ can also file suit with DRT for recovery of debt.
E. The minimum pecuniary jurisdiction of DRT is Rs.10 lac
Ans B
12. With regard to DRT an appeal to the Appellate Tribunal is to be made
within -----days of the order of the DRT.
A. 30 days
B. 45 Days
C. 60Days
D. 90Days
E. 120Days
Ans B
13. Which types of accounts fall under the CDR category
A. Standard,substandard,doubtful
B. Substandard only
C. Any kind of NPA account
D. Standard and doubtful only
E. Standard and substandard only
Ans A
14. The following organisations purchase non-performing assets from
Banks with a purpose to resolve the same.
A. Asset Management Companies
B. Asset reconstructuin companies
C. Asset recovery companies
D. Debt Recovery tribunal
E. DRAT
Ans B
15. As per RBI guideline a Bank purchasing a Non performing asset has to
hold the same for atleast a period of -----before selling the same to
another Bank.
A. 6 Months
B. 12 Months
C. 15 Months
D. 18 Months
E. 24 Months
Ans C
16. As per sec 13(2) of the SARFAESI Act,2002, how much time is required
to be given in the demand notice for payment of the amount?
A. 30 Days
B. 60Days
C. 90Days
D. 45 Days
E. 120 Days
Ans B
17. As per SARFAESI act 2002,if the borrower raises any objection to the
demand notice,what is time limit within which the Bank is bound to
reply the same.
A. 30 Days
B. 7 Days
C. 15 Days
D. 45 Days
E. 60 Days
Ans B
18. As per SARFAESI act 2002 what is the notice period for selling a
property which is taken possession of
A. 30 Days
B. 7 Days
C. 15 Days
D. 45 Days
E. 60 Days
Ans A
19. As per SARFAESI act 2002 what is the time limit for filing appeal with
the DRT?
A. 30 Days
B. 7 Days
C. 15 Days
D. 45 Days
E. 60 Days
Ans D
20. As per SARFAESI act 2002,while preferring appeal with the DRT the
borrower is required to deposit------% of the amount payable
A. 75
B. 50
C. 25
D. Nil
E. As per DRT Instructions
Ans D
21. The borrower is having facilities with more than one bank under
consortium where lending banks have entered into Joint Lending
Agreement. Out of these, account with our bank has become NPA while
the accounts with other banks are in order.
A. The facility with our bank only has to be treated as NPA
B. All the facilities with all the banks be treated as NPA
C. If majority of facilities becomes NPA, all facilities are to be treated
as NPA.
D. No need to classify any account as NPA as the security is sufficient
E. Account with us to be treated as NPA if borrower’s Net worth is not
adequate
Ans B
22. An account which remains overdue in between 90 days to 12 months
and where there is no Realizable Value of Security [RVS]. The account
should be treated as:
A. Sub-standard asset
B. Doubtful asset
C. Loss asset
D. Restructured
E. Irregular
Ans C
23. In an O/D Account, in between 1st October to 31st December 2014,
outstanding is less than drawing power / sanction limit, the interest
debited during the period is not recovered or credit entries / credit
turnover is not sufficient to cover the interest debited. The A/C could
be classified as on 31.03.2015 as.
A. Standard
B. Sub Standard
C. Doubtful
D. None of these
E. Loss
Ans B
24. A credit / investment facility backed by state government guarantee
where instalment / principle amount is over due to the bank for period
exceeding 90 days will be treated as;
A. Performing [Standard] Asset
B. Exempted Asset
C. 180 days norms for NPA
D. NPA
E. Irregular25. In a Cash Credit (Hypothecation of stock) account, if stock statements
are not received continuously for a specified period, the a/c will be
classified as NPA, even though the account is otherwise in order. This
specified period is
A. Three months
B. Six months
C. 90 days
D. 180 days
E. 30 days
Ans. C
26. On standard assets in respect of Agriculture & SME, general provision
of
A. 0.50% is made
B. 0.25% is made
C. 0.40% is made
D. 2.00% is made
E. 2.50% is made
Ans. B
27. On Substandard (secured) NPA Assets, provision to be made is
A. 15% of the outstanding balance
B. 100% of the shortfall in security + 50% of Realisable value of
security
C. 100% of the shortfall in security + 60% of Realisable value of
security
D. 25% of the outstanding balance
E. 20% of the outstanding balance
Ans. A
28. NPAs in India Card attracts provision of
A. 25% of the outstanding balance for overdue less than a year
B. 100% of the outstanding balance irrespective of the age of overdue
C. 60% of the outstanding balance for overdue less than 2 years
D. 50% of the outstanding balance for overdue less than 3 years
E. No provision is required
Ans. B
29. In case of Earmarked limits, provision at the branch where limit is
earmarked is decided by the
A. Branch where earmarked account of the borrower is maintained
B. Zonal Office
C. Head Office
D. Parent Branch where main account of the borrower is maintained
E. Both the branches with regard to respective balance outstanding
with them
Ans. D
30. Any NPA Account can be upgraded upon
A. Receipt of partial overdue amount
B. Once NPA, always NPA
C. On receipt of Court order in that regard
D. Receipt of entire overdue amount
E. Borrower submitting definite plan of repayment
Ans. D
31. Loss asset is one where realisable value of security is
A. 50% of the outstandingB. 60% of the outstanding
C. Less than 10% of the outstanding
D. Nil
E. Nominal
Ans. C
32. Which of the following are called as ‘Soft NPA’s’
A. Loss Assets
B. Doubtful under Asset Code 31
C. Doubtful under Asset Code 33
D. Substandard Assets
E. Doubtful under Asset Code 32
Ans. D
33. SMA stands for
A. Substandard Marked Account
B. System Maintained Account
C. Special Mention Account
D. Secured by Margin Account
E. Specially Marked Account
Ans. C
34. SMA – 1 stands for Account where Principal or Interest is overdue for
A. Up to 30 days
B. Between 61 to 90 days
C. Between 91 to 180 days
D. Between 31 to 60 days
E. Between 60 to 90 days
Ans. D
35. Which of the following is ineligible for Restructuring/Re-Schedulement
A. Loss Asset
B. Substandard Asset
C. Standard Asset
D. Doubtful Asset
E. Irregular Account
Ans. A
36. Provision for Doubtful Asset (32) will be
A. 15% of the Outstanding Balance
B. 100% of the Outstanding Balance
C. 100% of the shortfall in security + 40% of Realisable Value of
Security (RVS)
D. 100% of the shortfall in security + 50% of Realisable Value of
Security (RVS)
E. 25% of the Outstanding Balance
Ans. C
37. Outstanding in a Cash Credit account is within drawing limit. However,
the credits in the account are inadequate to cover the interest charged
to the account for a period of 90 days. The account to be treated as
A. Standard Account
B. Standard but irregular
C. Bad & Doubtful
D. NPA
E. Loss Asset
Ans. D
38. Account is treated as NPA if not reviewed for more thanA. 30 days from due date for review
B. 60 days from due date for review
C. 180 days from due date for review
D. 90 days from due date for review
E. 1 year from due date for review
Ans. C
39. For Loan against Gold ornaments
A. NPA criterion as applicable to Agriculture is applicable
B. Exempt from NPA norms
C. Normal 90 days criterion meant for normal Term loan is applicable
D. NPA norms are applicable only in cases where value of gold is less
than outstanding
E. Borrower need not repay loan in instalments
Ans. C
40. NPA provision for debit balance in charge account for India Card is
A. 15 %
B. 25 %
C. 50 %
D. 100 %
E. No provision is required
Ans. D
41. Debt Recovery Tribunals are meant for Accounts
A. With suit amount of over Rs.50 lakh
B. With suit amount of Rs.10 lakh & above
C. With suit amount of over Rs.10 lakh
D. With suit amount of over Rs.100 lakh
E. Any amount
Ans. B
42. To be eligible under SARFAESI Act, minimum recoverable dues should
be
A. Rs. 1.00 lac
B. Exceeding Rs.1.00 lac
C. Rs.10.00 lac
D. Rs.100 lac
E. Any amount
Ans. B
43. Which is exempt under SARFAESI Act
A. Agricultural Land
B. Residential Property
C. Commercial Property
D. Any Landed Property
E. Leasehold Property
Ans. A
44. Notice period under SARFAESI Act is of
A. 30 days
B. 60 days
C. 90 days
D. 15 days
E. 45 days
Ans. B
45. Notices under SARFAESI Act are to be signed by
A. Authorised officer not less than General Manager
B. Authorised officer not less than Zonal Manager
C. Authorised officer not less than Senior Manager
D. Authorised officer not less than Chief Manager
E. Authorised officer not less than Branch Manager
Ans. D
46. Abbreviation ‘ARC’ under NPA Recovery methods stands for
A. Asset Recovery Company
B. Asset Reconstruction Company
C. Asset Restructuring Company
D. Asset Recovery Corporation
E. Advance Recovery Company
Ans. B
47. Decree of Lok Adalat has force of
A. Decree of High Court
B. Decree of Criminal Court
C. Decree of Special CBI Court
D. Decree of Civil Court
E. Decree of Supreme Court
Ans. D
48. Bank’s dues under Revenue Recovery Act (RRC) are recoverable as
A. Dues of Bank concerned
B. Arrears of Land Revenue
C. Dues of State Govt.
D. Dues of Central Govt.
E. Dues of Local Govt.
Ans. B
49. Registration Of Equitable Mortgage charge is mandatory with CERSAI
under SARFAESI act
A. Within reasonable time from date of creation of charge
B. Within 30 days from sanction of advance
C. Within 30 days from date of disbursement of advance
D. Within 30 days from date of creation of charge
E. Within 30 days from the post-sanction inspection
Ans. D
50. The SARFAESI Act empowers the bank to
A. Recover, by following the procedure prescribed under the act, those
of its overdue and NPA loans, which are backed by security of
mortgage of property/assets
B. Straightaway obtain possession of the mortgaged property to
realize its overdue loans
C. Side-track the usual legal process for expeditiously realizing its
dues but with a compulsion to forego the right to resort to legal
process
D. Appoint a recovery agent to take and complete the action
prescribed under the act, but prohibits the bank from taking the
action itself
E. Arrest the customer and put the borrower/s in Civil Prison
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
B B A A C E B A D B B B A B C
16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
B B A D D B C B D C B A B D D
31 32 33 34 35 36 37 38 39 40 41 42 43 44 45
C D C D A C D C C D B B A B D
46 47 48 49 50
B D B D A
1. An account will be classified as substandard if it remains NPA for a
period not exceeding----months.
A. 18
B. 12
C. 24
D. 6
E. 36
Ans B
2. An account which remains in NPA category for a period of more than --
--- months will be classified as doubtful assets.
A. 18
B. 12
C. 24
D. 6
E. 36
Ans. B
3. An account guaranteed by state government will become NPA if the
interest and or instalment remain overdue for a period of
A. 90 Days
B. 180Days
C. It does not become NPA
D. Depends on case to case basis
E. As per government’s instructions
Ans A
4. In case of a consortium advance account the asset classification has to
be done on the basis of record of recovery with the
A. Bank concerned
B. Leader Bank
C. Majority of Banks
D. Majority of Banks by number
E. Majority of Banks by Share
Ans A
5. In accounts where the erosion of the value and the realizable value is
less than 10% of the outstanding, the account will be classified as
A. Substandard asset
B. Doubtful asset
C. Loss asset
D. No such guideline
E. On case to case basis
Ans C
6. In case of doubtful asset which has remained doubtful for more than 3
years the provision to be made against the secured portion is -----% of
the secured amount.
A. 20
B. 30
C. 50
D. 75
E. 100
7. In case of unsecured exposures in substandard category the provision
to be made is ----% of the total exposure.
A. 15
B. 25
C. 12.5
D. 10
E. 100
Ans B
8. What is the time limit prescribed by the DRT act for final disposal of
application filed for recovery of dues
A. 180 Days from date of receipt of application
B. No such limit is fixed
C. 180days for clean loans and 240 days for secured loans
D. 180days from close of evidence of both the sides
E. 60 Days from date of receipt of application
Ans A
9. The DRT are constituted by
A. RBI
B. Supreme court
C. High courts of respective states
D. Central Government
E. Lok adalats
Ans D
10. What is the minimum pecuniary jurisdiction of DRT
A. There is no such minimum stipulation
B. Rs.10 lacs
C. Rs.100 lacs
D. Rs.5 lacs
E. Rs.25 lacs
Ans B
11. With regard to DRT, find the incorrect-
A. The act extends to the whole of India except the state of Jammu
and Kashmir
B. Debts secured by mortgage of immoveable property are not
covered under DRT
C. The presiding officer of the tribunal is appointed by the Government
of India
D. The RRBs’ can also file suit with DRT for recovery of debt.
E. The minimum pecuniary jurisdiction of DRT is Rs.10 lac
Ans B
12. With regard to DRT an appeal to the Appellate Tribunal is to be made
within -----days of the order of the DRT.
A. 30 days
B. 45 Days
C. 60Days
D. 90Days
E. 120Days
Ans B
13. Which types of accounts fall under the CDR category
A. Standard,substandard,doubtful
B. Substandard only
C. Any kind of NPA account
D. Standard and doubtful only
E. Standard and substandard only
Ans A
14. The following organisations purchase non-performing assets from
Banks with a purpose to resolve the same.
A. Asset Management Companies
B. Asset reconstructuin companies
C. Asset recovery companies
D. Debt Recovery tribunal
E. DRAT
Ans B
15. As per RBI guideline a Bank purchasing a Non performing asset has to
hold the same for atleast a period of -----before selling the same to
another Bank.
A. 6 Months
B. 12 Months
C. 15 Months
D. 18 Months
E. 24 Months
Ans C
16. As per sec 13(2) of the SARFAESI Act,2002, how much time is required
to be given in the demand notice for payment of the amount?
A. 30 Days
B. 60Days
C. 90Days
D. 45 Days
E. 120 Days
Ans B
17. As per SARFAESI act 2002,if the borrower raises any objection to the
demand notice,what is time limit within which the Bank is bound to
reply the same.
A. 30 Days
B. 7 Days
C. 15 Days
D. 45 Days
E. 60 Days
Ans B
18. As per SARFAESI act 2002 what is the notice period for selling a
property which is taken possession of
A. 30 Days
B. 7 Days
C. 15 Days
D. 45 Days
E. 60 Days
Ans A
19. As per SARFAESI act 2002 what is the time limit for filing appeal with
the DRT?
A. 30 Days
B. 7 Days
C. 15 Days
D. 45 Days
E. 60 Days
Ans D
20. As per SARFAESI act 2002,while preferring appeal with the DRT the
borrower is required to deposit------% of the amount payable
A. 75
B. 50
C. 25
D. Nil
E. As per DRT Instructions
Ans D
21. The borrower is having facilities with more than one bank under
consortium where lending banks have entered into Joint Lending
Agreement. Out of these, account with our bank has become NPA while
the accounts with other banks are in order.
A. The facility with our bank only has to be treated as NPA
B. All the facilities with all the banks be treated as NPA
C. If majority of facilities becomes NPA, all facilities are to be treated
as NPA.
D. No need to classify any account as NPA as the security is sufficient
E. Account with us to be treated as NPA if borrower’s Net worth is not
adequate
Ans B
22. An account which remains overdue in between 90 days to 12 months
and where there is no Realizable Value of Security [RVS]. The account
should be treated as:
A. Sub-standard asset
B. Doubtful asset
C. Loss asset
D. Restructured
E. Irregular
Ans C
23. In an O/D Account, in between 1st October to 31st December 2014,
outstanding is less than drawing power / sanction limit, the interest
debited during the period is not recovered or credit entries / credit
turnover is not sufficient to cover the interest debited. The A/C could
be classified as on 31.03.2015 as.
A. Standard
B. Sub Standard
C. Doubtful
D. None of these
E. Loss
Ans B
24. A credit / investment facility backed by state government guarantee
where instalment / principle amount is over due to the bank for period
exceeding 90 days will be treated as;
A. Performing [Standard] Asset
B. Exempted Asset
C. 180 days norms for NPA
D. NPA
E. Irregular25. In a Cash Credit (Hypothecation of stock) account, if stock statements
are not received continuously for a specified period, the a/c will be
classified as NPA, even though the account is otherwise in order. This
specified period is
A. Three months
B. Six months
C. 90 days
D. 180 days
E. 30 days
Ans. C
26. On standard assets in respect of Agriculture & SME, general provision
of
A. 0.50% is made
B. 0.25% is made
C. 0.40% is made
D. 2.00% is made
E. 2.50% is made
Ans. B
27. On Substandard (secured) NPA Assets, provision to be made is
A. 15% of the outstanding balance
B. 100% of the shortfall in security + 50% of Realisable value of
security
C. 100% of the shortfall in security + 60% of Realisable value of
security
D. 25% of the outstanding balance
E. 20% of the outstanding balance
Ans. A
28. NPAs in India Card attracts provision of
A. 25% of the outstanding balance for overdue less than a year
B. 100% of the outstanding balance irrespective of the age of overdue
C. 60% of the outstanding balance for overdue less than 2 years
D. 50% of the outstanding balance for overdue less than 3 years
E. No provision is required
Ans. B
29. In case of Earmarked limits, provision at the branch where limit is
earmarked is decided by the
A. Branch where earmarked account of the borrower is maintained
B. Zonal Office
C. Head Office
D. Parent Branch where main account of the borrower is maintained
E. Both the branches with regard to respective balance outstanding
with them
Ans. D
30. Any NPA Account can be upgraded upon
A. Receipt of partial overdue amount
B. Once NPA, always NPA
C. On receipt of Court order in that regard
D. Receipt of entire overdue amount
E. Borrower submitting definite plan of repayment
Ans. D
31. Loss asset is one where realisable value of security is
A. 50% of the outstandingB. 60% of the outstanding
C. Less than 10% of the outstanding
D. Nil
E. Nominal
Ans. C
32. Which of the following are called as ‘Soft NPA’s’
A. Loss Assets
B. Doubtful under Asset Code 31
C. Doubtful under Asset Code 33
D. Substandard Assets
E. Doubtful under Asset Code 32
Ans. D
33. SMA stands for
A. Substandard Marked Account
B. System Maintained Account
C. Special Mention Account
D. Secured by Margin Account
E. Specially Marked Account
Ans. C
34. SMA – 1 stands for Account where Principal or Interest is overdue for
A. Up to 30 days
B. Between 61 to 90 days
C. Between 91 to 180 days
D. Between 31 to 60 days
E. Between 60 to 90 days
Ans. D
35. Which of the following is ineligible for Restructuring/Re-Schedulement
A. Loss Asset
B. Substandard Asset
C. Standard Asset
D. Doubtful Asset
E. Irregular Account
Ans. A
36. Provision for Doubtful Asset (32) will be
A. 15% of the Outstanding Balance
B. 100% of the Outstanding Balance
C. 100% of the shortfall in security + 40% of Realisable Value of
Security (RVS)
D. 100% of the shortfall in security + 50% of Realisable Value of
Security (RVS)
E. 25% of the Outstanding Balance
Ans. C
37. Outstanding in a Cash Credit account is within drawing limit. However,
the credits in the account are inadequate to cover the interest charged
to the account for a period of 90 days. The account to be treated as
A. Standard Account
B. Standard but irregular
C. Bad & Doubtful
D. NPA
E. Loss Asset
Ans. D
38. Account is treated as NPA if not reviewed for more thanA. 30 days from due date for review
B. 60 days from due date for review
C. 180 days from due date for review
D. 90 days from due date for review
E. 1 year from due date for review
Ans. C
39. For Loan against Gold ornaments
A. NPA criterion as applicable to Agriculture is applicable
B. Exempt from NPA norms
C. Normal 90 days criterion meant for normal Term loan is applicable
D. NPA norms are applicable only in cases where value of gold is less
than outstanding
E. Borrower need not repay loan in instalments
Ans. C
40. NPA provision for debit balance in charge account for India Card is
A. 15 %
B. 25 %
C. 50 %
D. 100 %
E. No provision is required
Ans. D
41. Debt Recovery Tribunals are meant for Accounts
A. With suit amount of over Rs.50 lakh
B. With suit amount of Rs.10 lakh & above
C. With suit amount of over Rs.10 lakh
D. With suit amount of over Rs.100 lakh
E. Any amount
Ans. B
42. To be eligible under SARFAESI Act, minimum recoverable dues should
be
A. Rs. 1.00 lac
B. Exceeding Rs.1.00 lac
C. Rs.10.00 lac
D. Rs.100 lac
E. Any amount
Ans. B
43. Which is exempt under SARFAESI Act
A. Agricultural Land
B. Residential Property
C. Commercial Property
D. Any Landed Property
E. Leasehold Property
Ans. A
44. Notice period under SARFAESI Act is of
A. 30 days
B. 60 days
C. 90 days
D. 15 days
E. 45 days
Ans. B
45. Notices under SARFAESI Act are to be signed by
A. Authorised officer not less than General Manager
B. Authorised officer not less than Zonal Manager
C. Authorised officer not less than Senior Manager
D. Authorised officer not less than Chief Manager
E. Authorised officer not less than Branch Manager
Ans. D
46. Abbreviation ‘ARC’ under NPA Recovery methods stands for
A. Asset Recovery Company
B. Asset Reconstruction Company
C. Asset Restructuring Company
D. Asset Recovery Corporation
E. Advance Recovery Company
Ans. B
47. Decree of Lok Adalat has force of
A. Decree of High Court
B. Decree of Criminal Court
C. Decree of Special CBI Court
D. Decree of Civil Court
E. Decree of Supreme Court
Ans. D
48. Bank’s dues under Revenue Recovery Act (RRC) are recoverable as
A. Dues of Bank concerned
B. Arrears of Land Revenue
C. Dues of State Govt.
D. Dues of Central Govt.
E. Dues of Local Govt.
Ans. B
49. Registration Of Equitable Mortgage charge is mandatory with CERSAI
under SARFAESI act
A. Within reasonable time from date of creation of charge
B. Within 30 days from sanction of advance
C. Within 30 days from date of disbursement of advance
D. Within 30 days from date of creation of charge
E. Within 30 days from the post-sanction inspection
Ans. D
50. The SARFAESI Act empowers the bank to
A. Recover, by following the procedure prescribed under the act, those
of its overdue and NPA loans, which are backed by security of
mortgage of property/assets
B. Straightaway obtain possession of the mortgaged property to
realize its overdue loans
C. Side-track the usual legal process for expeditiously realizing its
dues but with a compulsion to forego the right to resort to legal
process
D. Appoint a recovery agent to take and complete the action
prescribed under the act, but prohibits the bank from taking the
action itself
E. Arrest the customer and put the borrower/s in Civil Prison
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
B B A A C E B A D B B B A B C
16 17 18 19 20 21 22 23 24 25 26 27 28 29 30
B B A D D B C B D C B A B D D
31 32 33 34 35 36 37 38 39 40 41 42 43 44 45
C D C D A C D C C D B B A B D
46 47 48 49 50
B D B D A
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