r dashenbank *01:28:
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is a loan extended to the staff of Dashen Bank SC solely for non-commercial purpose against
pledge of to be acquired property and with own contribution of 15%.
1. O E) None.
2. O D) Staff mortgage loan
3. C A) Personal loan.
4. C B) Staff personal loan
5. O C) Staff automobile loan
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DAS HI5 BANK -01:28:58
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For business customer whose risk grade is “B" per risk classification matrix, adequate financing arrangement
based on adequate cash flow position and collateral position can be considered. Moreover, bridge finance shall
also be available on demand when there is ready market.
1. C B) False
2. O A) True
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r dashenbank -01:27:03 1
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Credivrmancing information requested and generated once can serve for a maximum period of .
1. C A) One year
2. O E) None
3. O B) One month
4. C D) Three month
5. O C) Six month
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DASHED BANK
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is a short term credit instrument [usually a facility limit] issued by the Bank on behalf of the
importer to facilitate importation of goods against valid import documents. The Bank pays to the seller [exporter]
the specified amount at the specified date
1. OB) Import permit
2. O A) Overdraws
3. O C) Export permit
4. O E) None
5. O D) Advance on Letter of Credit
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DASHEN BASK -UlU9:Ub
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nformation
For customer who do not have formal book of records, the Bank provides and conduct
attestation up on charging the customer for Birr 500.
1. O C) Financial credit report template
2. O B) Advising service
3. o A) Questioner to replace the requirement of book of record.
4. G D) A and C
5. O E) None
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DASHIX BAX*
*01:26:16
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Test Execution: Branch Relationship Manager Jimma
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Once NPL is transferred to the recovery team, the branch shall debit any amount from the
customer account for
1. O D) Court fee
2. O E) All except C
3. O C) Customer's own transaction
4. O B) Estimation fee
5. A) Insurance premium
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DASHES BANK -01:28:00
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business activities shall refer to those engaged in multiple sector/sub sectors which do not have
any linkage effects among themselves.
1. O A) Vertically integrated
2. O E) None
3. O D) Manufacturing
4. O B) Diversified
5. O C) One line
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r DASHIN BANK
-01:26:56
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Test Execution: Branch Relationship Manager Jimma
IInformation
All are parameters for borrower’s risk rating except:-
.
1 C Organization and management
2. O Amount of loan request for finance
3. O Cash flow position
4. o Financial position
5. O Credit profile
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IM h n Bank ver 1 1 Copyright O 2020 2025 App < ation Deve
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DASHIN BANK -01:27:5b
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Loan request for Birr and above should be backed by audited financial statements.
1. O C) 15 million
2. O D) 20 million
3. o A) 10 million
4. O B) 5 million
5. O E) 50 million
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D AS m\ BANK
•01:26:20
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The Bank can buy customer s loans from other bank as long as the customer has strategically important to
maximize business opportunities. However, the loan to be buyout shall be at least under Special mention status
1 O B) False
2. O A) True
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DASHEN BANK >01:28:32
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is a loan to the Bank's employees for purposes other than Staff Mortgage Loan.
1. O B) RESA
2. O E) None
3. O C) Staff automobile loan
4. O A) Personal loan
5. G D) Staff persona! loan
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. w.v. /uueiam/pu txic/code/lcv. test .execut [Link] © Q
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should register the insurance policies with all relevant particulars in the insurance policy
register book to facilitate status follow up.
1. O C) District CRO
2. O D) District Head. RMSME
3. O B) Branch CRO
4. O E) A and B
5. O A) Branch Manager
I
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DASHES BAXK -01:26:37
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All credit initiations shall be handled at Branch office and corporate banking as the case may be.
1. O A) True
2. O B) False
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- DASHIN BANK -01.'28:
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All of the following are Principles of the Credit Governance except:-
1. C liquidity
2. C Feasibility
3. C safety
4. C All
5. C End use
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i h- ti H ver 1 1 Copyright <5* 2020-2025 Application Development Team
Test Execution: Branch Relationship Manager Jimma
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Scoring tho credit worthiness of borrowers based on the predefined parameters of both the financial and none
financial aspects is called
1 »Loans and advances made of tho real financial resources and committed in tho business of the customer
2 Borrower's risk rating
3 Letter o guarantees
4 o B and C
5. A and B
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DASHIN RANK -01:26:49
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Any alteration or modification of the terms and conditions of loan contracts related to extension of loan period,
waiver of repayment, change of mode of repayment and amalgamation of loans is called
1. o Amendment contract
2. 0 Waiver of repayment
3. O Loan period extension
4. O Renegotiation J
5. O A and C
.. . .
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D ASHIN BANK -01:26:52
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i Information
Income statement analysis helps to understand the financial healthiness and self-liquidating capability of the
business by assessing the cash outflow and cash inflow due to operating activities, investment activities and
financing activities.
1. C B) False
2. O A) True
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DASHIN BANK
-01:27:09
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Credit/financing information batch updates should be handled every month to ensure that all loans and advances
are included in the system including their respective status. Then the number of loans and advances in our book
of loan accounts should be equal to the number of loans and advances on the credit/financing information system
except for those under personal loans and some documentary revolving credit/financing facilities.
1. O B) False
2. O A) True
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, .
nformation
I I
. I I il ! .
All loans and advances which are past due or showed irregularities for above days shall be transferred
to the Recovery teams.
1. O D) 360
2. O A) 180
3. O,C)60
4. O E) None
5. p B) 90
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DASHIN BANK
-01:26:44
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Test Execution: Branch Relationship Manager Jimma 3
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The maximum credit exposure of the Bank to a single borrower is %of its total capital
1. O 40%
2. O 20 V/i i
3. O 35%
4. O 50%
5. O 25%
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DASHIN BANK
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nformation
All forms of financial statements shall be used as an input in credit decision making
for a maximum of three
months with the exception of renewal and non-cash requests which is to
six months
be
1. C False
2 *
True
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All loan files and securities have to be reviewed by
before any new disbursement or renewal
1. O E) Branch CRO
2. O A) Internal control officer
3. O D) District operation manager
4. O C) District Head, RMSME
5. O B) Internal audit officer
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DASHIN BAM.
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When the Staff who have outstanding staff mortgage loan is dies all of the followings are correct except:-
.
1 O E) The repayment duration and interest rate to be applied thereof shall be changed.
2. 0 B ) If the Insurance Company refuses to settle the loan in any case, the Bank shall take legal action
against the Insurance Company.
3. O A) The outstanding balance of the loan shall be claimed from the Insurance Company against the
Mortgage Redemption Insurance Policy already purchased.
4. c D) All the terms and conditions of the loan shall not be changed even if the staff dies.
5. c C) After ensuring that the loan is settled from Mortgage Redemption Insurance, the ownership certificates
shall be delivered to the legal heirs of the borrower.
-U
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3 ICd jwwti
-01:29:42
Test Execution: Branch Relationship Manager Jimma
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The Bank may use the service of third party for seizure of the vehicle by paying service charges
which will be
added to the defaulter s loan account.
1. O A) True
2. C B) False
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dashes bank -01:27:3^
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nformation
The level of potential risk that would result out of the default of borrowers to properly discharge their obligations
for various reasons is called
1. O Non- performing loans
2. O Management Risk
3. O None of the above.
4. O Credit risk
5. O Default risk
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Cash and cash substitutes includes it should be except
1. O Blocked FCY account balances
2. O overdraft facility
3. O Blocked account cash balances
4. O Treasury bills
5. O Export retention account balances
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DASHES BANK
-01:27:14
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Test Execution: Branch Relationship Manager Jimma
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The swing of an overdraft account shall indicate the level of cash generated by the business in a specified period
of time.
1. O False
2. O True
- -
1 i
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(
;
-
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-01:26:46
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business.
.
helps to understand the sources and applications of the financial resources of re er usages
1. C balance sheet
2. C account turn over
3. C sv/ing
4. C income statement
5. C cash folw position
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DASHIN BANK ’01:28:43
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shall only be initiated up on the written request of the customer due to termination of the loan
relationship.
1. O C) Loan settlement
2. O D) Loan buy out
3. O A) Account activation
4. c E) None
5. C B) Account closure
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~ DASHE5BASK -01:26:26
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Test Execution: Branch Relationship Manager Jimma
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Long Term loan shall be availed for; real-estate development and project finance. With some exceptions, long
term loans can be granted for working capital purpose to the tune of ten years.
1. O False
2. O True
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“ DASHO' RANK
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When temporary O/D facility is granted for coffee or other crop exporters, the exporters shall:
1. O C) Provide copy of bona fide sales contract agreed with foreign buyers and undertake to open the export
L/C through Dashen Bank;
2. O B) Undertake in writing to ensure that the loans are used only for the purchase of coffee or other crops for
the export market;
3, O A) Submit a written application to the Credit Processing Center/Branch;
4. O D) Provide renewed trade license for export business and the magnitude of export made during the
previous years;
5. O E) All of the above
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work unit is responsible to periodically undertake interest rate revision
1. O Treasury
2. O A and B
3. O Finance
4. O Credit analysis and appraisal
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DASHIN BANK >01:26:06
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nformation
is a personal term loan extended for individual customers to finance
the purchase of personal
1 O B) Consumer mortgage loan
2. O E) Housing loan
3. o D) Consumer car loan
4. O A) RESA
5. O C) Project finance
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DASHEN BANK -01:29:34
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nformation
All credit operations and credit administration of the Bank shall comply with:-
1. O All applicable laws and regulation of Ethiopia.
2. O Directive of the NBE
3. O Credit analysis and appraisal policy of the bank
4. O CRM policy of the bank
5. O All of the above
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*
[Link] -01:28:14
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nformation
Branch, District and corporate banking Department should always ensure the accuracy and completeness of the
credit information data maintained at batch update system before submitting the record to credit information work
wunit.
1. O A) True
2. O B) False
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r DASHENBAMl -0
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Which one of the followings credit recovery committee has discretionary limit to recommend suspension of legs
action?
1. A) City District office credit recovery committee
2. 0 D) A and B
3. C) Retail and MSME credit recovery committee
4. C E) B and C
5. B) Up country District office credit recovery committee
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DAS HI X BAXk ^h-25-sT
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Test Execution: Branch Relationship Manager Jimma
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The direct foreclosure process cost incurred by the Bank shall not be added up on the defaulter's loan account
1. O A) True
2. O B) False
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The loan committee charter shall be revised and approved by
1. O E) None
2. O C) Policy development committee
3, O A) The Board of Directors.
4. c B) CEO
5. O D) ALCO
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-01:27:5
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nformation
Which one of the following is not true about Project loan?
1. O E) None of the above
2. O D) A and C are not true
3. O A) The Bank shall not buy any project loans from other banks unless full endorsement is obtained from
the executive as per the Credit Analysis and Appraisal policy.
4, O C) If the project has an approved amount Io buy furniture and equipment, it shall be disbursed to the
customer's account without looking for opening of letter of credit or cash against document or presentation of
invoice from local supplier. However, the Bank’s contribution for furniture and equipment shall either be
limited to 15% of total approved loan amount or Birr 20 million whichever is lower.
5. o B) If the project'requires furniture and equipment to start the operations, the amount set aside for the
purpose shall be included in the project cost of the building/project for credit assessment and/or appraisal.
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z dashes bank -01:26:23
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Which one of the following statements is not correct for re-financing of staff mortgage loan?
1 C E) All are correct
2. A) The Bank may allow refinancing of residential house under construction already financed but not
finalized due to shortage of previously approved fund following rise in cost of construction materials and
labor.
3. C D) B and D
4. C) Employees with minimum working experience of 20 years in Dashen Bank could be entitled for 3rd
round staff housirj loan. However, the interest rate to be applied shall be the Bank's saving interest plus
5% Any outstanding mortgage loan should be settled either in cash or to be amalgamated with the new
loan.
5. B) Employees with minimum working experience of 10 years in Dashen Bank could be entitled for 2nd
round staff housing loan. However, the interest rate to be applied shall be saving deposit plus 3% An\
outstanding mortgage loan should be settled either in cash or to be amalgamated with the new loan
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-01:27:37
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nformation
At what time in point the customer is advised about the repayment schedules, interest rate applied, credit service I
fees required, start date of the loan repayment and due date of the loan as well as proper utilization of the fund
for the intended purpose.
'
'
r
'
r i1 . • •"
1. O D) Approval of the loan ji/ h'
2. O E) All except D LI /
3. O A) Up on conclusion of the contract
4. O C) Up on communication of disbursement of the loan
5. O B) Up on registration of the pledge contract
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Balance sheet commitments include:-
1. O Stand by letter of guarantees.
2, O Term loans and overdraft facilities availed to customers.
3. O B and C
4. O Loans and advances made of the real financial resources and committed in the business of the customer
5. O A and B
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DASHIN BANK
-01:28:38
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Test Execution: Branch Relationship Manager Jimma
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To purchase a residential building that is developed by Housing Cooperatives/Associations under staff mortgage
loan scheme all are correct except:-
1. O B) The building to be purchased shall be constructed as per the approved plan and Ownership certificate.
2. O A) There shall be appropriate plan (in the name of the cooperative or association) and ownership
certificate. I jl "
3. O C) All due lease payments or land taxes shall be paid within one year period after the loan to be financed
is disbursed.
4. oE)BandC
5. O D) A and B
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DASHIN BANK -01:28:05
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nformation
high interest earning saving account maintained in ETB in which Ethiopian diasporas open and
credit with approved foreign currency from abroad. The deposit can only be debited in local currency and can't be
converted back to a foreign currency.
1. O D) Student account
2. O B) Hybrid
3. o C) Hawala saving
4. O A) Interest plus
5. O E) Diaspora Non-Repatriable
Ll | :
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