Kerala PSC Previous Years Question Paper & Answer

Title : Junior Systems Officer - Kerala Co-operative Milk Marketing Federation Ltd
Question Code : A


Below are the scanned copy of Kerala Public Service Commission (KPSC) Question Paper with answer keys of Exam Name 'Junior Systems Officer - Kerala Co-operative Milk Marketing Federation Ltd' And exam conducted in the year 2024. And Question paper code was '018/2024'. Medium of question paper was in Malayalam or English . Booklet Alphacode was 'A'. Answer keys are given at the bottom, but we suggest you to try answering the questions yourself and compare the key along wih to check your performance. Because we would like you to do and practice by yourself.

page: 9 out of 18
Excerpt of Question Code: 018/2024

51. What is the primary principle of sound lending for banks?
(A) Offering loans with high interest rates
(B) Ignoring borrower’s credit history
(C) Granting loans without collateral

(D) Minimizing credit risk while maximizing profits

52. What distinguishes cash credit from other types of lending?
(^) Flexible withdrawal limits ൯ Fixed interest rate

(C) No need for collateral (D) Short repayment duration
53. Which mode of charging security allows the lender to hold possession of the asset until the
borrower repays the loan?
(A) Lien (B) Mortgage
(0) Hypothecation (D) Pledge

54. What characterizes a standard asset in banking?
(A) Low credit rating (B) Timely payment of dues

(C) Default on loan repayments (D) Collateral offered for the loan

55. What does a higher provision for bad and doubtful assets indicate for a bank?
(A) Strong asset quality
(B) Lower risk exposure
(C) Potential financial stress due to NPAs

(D)_ Higher profitability

56. Which document outlines the rules and regulations governing a cooperative society’s internal

(A) Memorandum of Association (8) Articles of Association
(0 Bye-laws (D) Prospectus
A 11 018/2024


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