Tuesday, 11 August 2020

IIBF scheduled exams

 Schedule of Certificate Examinations under Remote Proctored mode - Aug/Sept 2020


Institute will be conducting the following examination under remote proctored mode as per the schedule mentioned below:


Examinations to be conducted in August- 2020 (8 examinations)


Sr.no Examinations


1. AML/KYC


2. MSME


3. Cyber Crime And Fraud Management


4. Certified Credit Professional


5. Certified Treasury Professional


6. Certificate In Risk In Financial Services - (Level -1)


7. Certified Accounting & Audit Professional


8. Certificate Course In Foreign Exchange


Examinations to be conducted in September 2020 (in addition to the 8 examinations given above: Total 13 examinations)


Sr.no Examinations


1. Certificate Exam. In Customer Service & Banking Codes And Standards


2. Certificate Examination In It Security


3. Certified Information System Banker


4. Certificate Course In Digital Banking


5. Certificate In International Trade Finance


Examinations Dates and Registration End Dates:


Sr. Exam date Day Registration End date


1. 02-Aug-20 Sunday 26-Jul-20


2. 08-Aug-20 2nd Saturday 01-Aug-20


3. 09-Aug-20 Sunday  02-Aug-20


4. 23-Aug-20 Sunday  16-Aug-20


5. 06-Sept-20 Sunday  30-Aug-20


6. 12-Sept-20 2nd Saturday 05-Sept-20


7. 13-Sept-20 Sunday  06-Sept-20


8. 20-Sept-20 Sunday  13-Sept-20


9. 26-Sept-20 4Th Saturday 19-Sept-20


10.27-Sept-20 Sunday  20-Sept-20


Examination will be conducted in 3 sessions in a day. The session timings are 10 to 12 Noon, 12.45 to 2.45 pm and 3.30 to 5.30 pm. Candidates can select the examination date and time of his/her choice.


For complete details, please Refer : http://www.iibf.org.in/documents/pdf/20200713_website%20schedule%20for%20RPE%20Aug-Sep-2020.pdf


Registration will be on first come first serve basis. We urge candidates to register as early as possible to avoid disappointment. 


The above 13 certificate examinations will be held in remote proctored mode only.


(will not be held under traditional physical classroom environment mode)


For detailed INSTRUCTIONS, RULES AND REGULATIONS of Remote Proctored Examinations click below link


http://www.iibf.org.in/documents/pdf/Rules%20and%20regulation%20of%20RP%20exam_20200525.pdf

Monday, 10 August 2020

Cyber crime recollected questions on 09th aug 2020

 Cyber crime and fraud management recollected questions today


Cyber stalking 

IT amendment act

Types of control 

Cyber crime origin 

Punishment for cyber crime 

Cyber squatting 

CIA

CBI function 

Honeypot 

Payment system 

Information security 

ISO 27001

NTRO

Rootkit

Trojan horse 

Info steal 

Cyber terrorism 

Hacking 

Hacking defined under IT or ITA

Computer Fraud 

Vishing 

IPC

DoS

Cyber Extortion 

Fire Alarm and CCTV, which type of control 

Malware 

Hactivist 

White hat hackers

Digital signature 

Electronic signature 

Integrity 

Durability 

Cyber forensic

RBI as regulatory

Sniffer

PKI

Encryption-decryption

Motive of hacker

OLTP

Payment Gateway 



Very few questions from module D.

Sunday, 2 August 2020

Msme recollected questions on 02082020

MSME recollected questions 02082020


Recollected qs msme 02.08.20 3.30 pm batch

atmanirbhar bharat- 20000cr allocation and 1qs of which is correct.
Crm is ..
Mudra, sarfesi full form
Arrange correct order of credit process
1qs of diffusion, 
numerical on iscr, 
Arrange correct sequence of cluster development
Outcome of 2008 crisis- basel 3
Common of int and ext causes of Sick enterprises
Illeterate person execution of doc
Msme women enterprise
Tifac 1 qs
Doubtful asset
Rehabilitation package
Composite loan 1 qs 
Smera 1qs
Credit rating agency work 1 qs
Knitwear cluster- Ludhiana
Notice period in 6 months
Women entrepreneurs share- 51%
Private ltd directors
Max credit guarantee for women
New classification of msme
1 qs on wto
Pricing 1 qs
Mfi 1qs
Cambridge 1qs
Ots 2qs
Securitisaion find incorrect one
Diversion of funds- find correct one
Sick grey unit 1qs
Unido 1 qs on find incorrect one
Tuf related to which sector
Bds 3 qs
Msme do 1 qs
Contigent liablity- 1 qs
Pmegp 1 qs(max limit+ subsidy)
Single window scheme -2 qs
Venture capital- definition
Sidbi -2qs
Kvic-1qs
Fdi policy- 24%
New industrial policy-1qs
1qs on regulatory framework- 4 country names were given
1 qs on classification as per manpower/turnover.
SARFAESI full form
MSME women enterprises 3 ques
2mrks DSCR DEBTORS TURNOVER RATIO INTRST COVERAGE RATION 
RECENT JUNE 20 ATMA NIRBHAR PACKAGE 3 QUES
FDi investment policy
Recent changes in msme defention 2ques
Sick unit viability norms
Reasons for sick units both internal and external causes in single ques
CGTMSE coverege tricky women enterpris quess
About CRM
MUDRA IS ESTABLIHED FOR

Partnership firm llp diff
Security for lending JLG
 illiterate person execution of loan docs for 2mrks

Wednesday, 29 July 2020

Kyc aml recollected questions on July 26 2020

I read book even not read annexure and case studies 
But if have time just glance annexure/case study
Part A
Chapter 1
Economic effects
Difference between money laundering and Terrorist financing

Chapter2
Money laundering cycle
Placement
Layering
Integration

Terrorism financing
Structuring/Smurfing
Multiple tier of accounts
Funnel accounts
Shell companies
Hawala system
Gold and Diamond Markets
PEPS

Chapter3
FIU
Egmont group
Chapter4
BCBS
Page 30 to 47
Chapter5
Page 50 to 52
Chapter6
PMLA
54 to 64
Chapter7
67 to 73
Chapter8
Page 77 foreign branches
Chapter9
Embargo
Fatf style bodies differentiate

PartB 
Chapter1
Elements of kyc policy
88-89
Chap2
91
92-93 qs from Norms for Beneficial Owners determination
93-109
Chap3 all pages
Chap4 all pages
Chap5 all pages
Chap6
CKYC
153-154
Chap7
All pages

Tuesday, 21 July 2020

Cyber crime and fraud prevention recollected questions July 2020

Qs are from almost all chapters for module A some are 
Like
Which of the options are correct for fraud triangle

Cyber word origin from 

APT (Advanced persistent threat)
Spammers 
Script kiddies 
Phishing vishing
Cyber stalking
Threat vector
Threat landscape
John doe order
Dos ddos attack
Fast flux 
Ip spoofing
Cyber squatting
Term key logger other similar term is form grabber
Cryptography encryption decryption
ICANN (PAGE 27 GOOD READ)
INDRP 
cyber extortion ransomware
Zeus trojan
One qs like which is not malware 
SCADA full form
Three stakeholder of Information
Pillars of Information security(read in detail)
Non repudiation
Authorisation and authentication
2FA -ATM Transaction
Difference between digital and electronic signature
Tailgating
Masquerading
UTM 
BOTS botnet zombies 
Man in middle attack
Trojan
Adware
Types of malwareModule B
cyber crime and fraud difference relationship
Types of controls
2D bar coding
RFID
Software security controls
Case study qs based on front end validation 

Database schema based qs
DDL DML
Intrusion prevention
Detection control
Mens rea 
White collar offense
Page91 stages
93 all frauds are incidents but all incidents need not be frauds 
Reporting Investigation
NTP
PAGE 96 ITIL important phases in detail
Digital evidence vs physical evidence
Evidence collection
Locard exchange principle
SIM IMSI
CDAC
Object of cyber evidence
Cyber forensic 
Wearable technology
Chain of custody
DigitalForensic lab in Hyderabad

Spyware
UAV 
PAGE 53 most used passwords
Firewall
Types of hackers read in detail 
Backend access
Hacker tools
Ethical attack Ethical hacking
Anonymous
69 page q9
Suggest to read each chapter qs and answer also

Module C
OLTP
PAGE111 Which of following not online transaction technology they will give some different term 
BPSS
PSS act
Page113 115 116117
119 I agree
UCP Letter of credit
TLD
Payment wallet
IP spoofing
Payment system page 128
PSDG
BUDAPEST CONVENTION
sinkholing
Federal reserve 
SWIFT

Module D
Page 157
ISMS
CERT
Page 162 Anwar vs pk basheer
Skimmer 
NCRB
IT related legislation in india page164
Page 166 authentication of records
NTRO comes under PMO
Qs on page 167 need to read

Page171
Vodafone case and page 173
Advance fee
3D
ecommerce
Tax haven
HUMAN TRAIT (Sigmun Freud)is result of childhood 
Computer Addiction
Page185 186
information silo
Stylometry
Qs on page 191
196 Deity
RBI BFS 
Page 198 G GopalaKrishna qs can be like which are it cover from multiple options most probably a choice given so Answer should be all
NABARD
IDRBT INFINET
NET NEUTRALITY
204 205 
Chief compliance officer
Different National level institutions
NTRO
 NIA
DSCI
CERT
Page 216 cert instructions on blocking of urls
CBI
IB is world oldest 
directorate of enforcement includes fema and PMLA
US initiative is CISA
CDAC own operating system BOSS

prepaid card limit 50000
Page 139 140 141
carders
Cloning and Skimming
NFC
PCI- DSS
Rupay card
Investigation scene of crime
G gopalakrishna
EMV(EURO PAY MASTER VISA)



Monday, 13 July 2020

KYC AML 27 recollected questions on 12 th july

Raj Kamal Kyc AML QUESTIONS RECALLED: 12.07.2020

1. US SANCTIONS
2. BANK SECRECY ACT
3. MONEY LAUNDERING REGULATION 2007 -UK AML/ CFT LEGISLATION
4 . 3 TO 4 QUESTIONS ON DESIGNATED DIRECTOR
5. PRINCIPAL OFFICER
6. OTP BASED EKYC 4 QUESTIONS
7. CKYCR RELATED 2 QUESTIONS
8. RECORD RETENTION PILICY FOR TRANSACTION REPORTED TO FIU IND
9. BENEFICIAL OWNER IN CASE OF COMPANY AND TRUST
10. BO CONTROLLING INTEREST
11. ADVERSE EFFECT OF MONEY LAUNDERING
12. DIFF BETWEEN ML AND TF
13. STR CTR CCR REPORTING FREQUENCY
14. TRANSACTION MONITORING
15. AML ALERT
16. FATF SANCTIONS,UN SANCTIONS
17. FIU IND FUNCTION
18. FATF CELL FUNCTION
19. ED FUNCTIONING
20. SERIOUS FRAUD INVESTIGATION OFFICE
21. FACTORS DISSEMINATING STR TO LAW ENFORCEMENT AGENCIES
22. EXCHANGE HOUSE
23. AS PER BCBS SHARING OF INFORMATION FLOW
 24. FATF REGIONAL BODIES
25.AML CELL FUNCTION
26. SMALL ACCOUNT 3 QUESTIONS
27. DESIGNATED OFFICER RELATED 1 QUESTION

1. US SANCTIONS
2. BANK SECRECY ACT
3. MONEY LAUNDERING REGULATION 2007 -UK AML/ CFT LEGISLATION
4 . 3 TO 4 QUESTIONS ON DESIGNATED DIRECTOR
5. PRINCIPAL OFFICER
6. OTP BASED EKYC 4 QUESTIONS
7. CKYCR RELATED 2 QUESTIONS
8. RECORD RETENTION PILICY FOR TRANSACTION REPORTED TO FIU IND
9. BENEFICIAL OWNER IN CASE OF COMPANY AND TRUST
10. BO CONTROLLING INTEREST
11. ADVERSE EFFECT OF MONEY LAUNDERING
12. DIFF BETWEEN ML AND TF
13. STR CTR CCR REPORTING FREQUENCY
14. TRANSACTION MONITORING
15. AML ALERT
16. FATF SANCTIONS,UN SANCTIONS
17. FIU IND FUNCTION
18. FATF CELL FUNCTION
19. ED FUNCTIONING
20. SERIOUS FRAUD INVESTIGATION OFFICE
21. FACTORS DISSEMINATING STR TO LAW ENFORCEMENT AGENCIES
22. EXCHANGE HOUSE
23. AS PER BCBS SHARING OF INFORMATION FLOW
 24. FATF REGIONAL BODIES
25.AML CELL FUNCTION
26. SMALL ACCOUNT 3 QUESTIONS
27. DESIGNATED OFFICER RELATED 1 QUESTION

Sunday, 12 July 2020

KYC AML yesterday's recollected questions 12.07.2020

Kyc AML QUESTIONS RECALLED: 12.07.2020

1. US SANCTIONS
2. BANK SECRECY ACT
3. MONEY LAUNDERING REGULATION 2007 -UK AML/ CFT LEGISLATION
4 . 3 TO 4 QUESTIONS ON DESIGNATED DIRECTOR
5. PRINCIPAL OFFICER
6. OTP BASED EKYC 4 QUESTIONS
7. CKYCR RELATED 2 QUESTIONS
8. RECORD RETENTION PILICY FOR TRANSACTION REPORTED TO FIU IND
9. BENEFICIAL OWNER IN CASE OF COMPANY AND TRUST
10. BO CONTROLLING INTEREST
11. ADVERSE EFFECT OF MONEY LAUNDERING
12. DIFF BETWEEN ML AND TF
13. STR CTR CCR REPORTING FREQUENCY
14. TRANSACTION MONITORING
15. AML ALERT
16. FATF SANCTIONS,UN SANCTIONS
17. FIU IND FUNCTION
18. FATF CELL FUNCTION
19. ED FUNCTIONING
20. SERIOUS FRAUD INVESTIGATION OFFICE
21. FACTORS DISSEMINATING STR TO LAW ENFORCEMENT AGENCIES
22. EXCHANGE HOUSE
23. AS PER BCBS SHARING OF INFORMATION FLOW
 24. FATF REGIONAL BODIES
25.AML CELL FUNCTION
26. SMALL ACCOUNT 3 QUESTIONS
27. DESIGNATED OFFICER RELATED 1 QUESTION

ALL QUESTIONS WERE FROM THE BOOK ONLY

Today's kyc aml recollected questions

Kyc & Aml recollected ques
Small ac.
OVD 
GIABA, Gafisud related one ques
Beneficial owner 2,3 ques 
Funnel ac
UAPA act related to 
PEPS 
Placement, Layering, Integration 
Third-party kyc related 
FinNet portal 
Vienna convention
Three layers of defense
Designated director, principal off.
Fiu ind
Ctr, str, cctr match d follw 2m
Proprietary concern document 
OTP based ac limit 
Multiple tier ac 
Few ques were asked directly.. Most of ques were tricky. We should go thru the book thoroughly to ans tricky questions

Saturday, 11 July 2020

New Kyc AML recollected questions

5-6 ques from Beneficial owner Fatf EDD Responsibility of PO and DO Responsibility of Senior Management , Corporate office , Funnel TXN Ques from Patriot Act, Bank secrecy act, OTp based account limitations, documents required from Trust and company 2-3 ques from Small accounts Ques from Trade based txn

New MSME recollected questions

Investment in P&M, Equipment, Partnership, public and private limited company, Joint Hindu Family, Partnership, women entrepreneurs categories, ITCOT, US small business act, KVIC, SIDC, BCSBI loan application disposal time norm, venture capital fund, smera, cgtmse, angel funds, hybrid capital, collateral free loan, pmegp, red and green clause LC, back to back LC, 5 Cs, credit appraisal, ratios analysis and balance sheet related questions, nayak and other methods of lending,  risk types, PS targets, BDS, Tequp, RRTUFs, back ended subsidy, clusters, rehabilitation n restructuring, drt, arc, mudra, wto, clearancs for setting up unit,  items included in P&M etc... reading of entire book and updated changes is must.


A lot of questions from ratio analysis... Factoring, calculate break even analysis in terms of unites, old msme classification, PMEGP, MUDRA Bank, MSME subvention scheme, a lot of questions clusters and many of them tricky too, calculation on the basis of First lending and 2 lending method, Ganguly committe 4c, RBI UK committee on msme, Internal external causes of sickness, Banking appraisal KVIC and many more

Everything from book except some latest developments ..only you have to be ready for tricky questions and for that depth reading is must as per my todays analysis

Monday, 29 June 2020

Kyc aml Recollected questions of exam conducted on 28.06.2020

Recollected questions of exam conducted on 28.06.2020

Defination of ML as per United Nations- identify correct one

What type of impact ML cause- social, economic, political

Difference between ML and TF- Identify correct one

Cycle of ML- Including case studies to identify which step is mentioned

Method of ML- Including case studies to identify which method is used

What is smurfing, shell companies, off shore banking, hawala system,mutual evaluation, correspondent banking

Palermo convention

which ML laws or act is used in which country

PMLA- Record maintenance, punishment, penalties,

UAPA offence

Role of national investigation agency, role of ED, 

Categories of US sanction

Elements of KYC police, 

Definition of customer as per RBI

Concept of beneficiary owner, Identify invalid OVD, Restrictions on small account, which OVDs is to be obtained for proprietary account, partnership account, trust account, PEP, pooled account, limitations for non face to face customer

for whom EDD should be done - including case studies, how to screen customer, periodicity of KYC  for various risk categories, 

When to go for Partial freezing of account, types of reporting to be done, limit of CTR, time limit of STR, What is white listing,

Role functions of PO, senior management, role of audit, at what level KYC training is important

Saturday, 27 June 2020

109 Ways to getting to the Top

109 WAYS OF GETTING TO THE TOP

COURTESY TOWARDS ALL:-
We show courtesy willingly and automatically to strangers but very little courtesy to people with whom we have to work day in and day out. We often forget their names. We often interrupt the conversation of people who work for us or half listen to them. People appreciate courtesy from the boss, and they are quick to notice the lack of it too.
HELP OTHERS:-
You have to know how to criticize people properly. The purpose of criticism is not to punish people or to make them feel bad. Its purpose is to make them understand what they did wrong and to make them anxious to do better next time. Sometimes it is best to soften your criticism with praise. Criticism is a lot easier to swallow when there is some praise mixed with it.
Before you criticize, give a person a chance to criticize himself. If he is aware of his shortcomings, he might prefer to admit them himself rater than have you point them out, and when you criticize anyone, do not act superior. Talk as one sinner to another. We all make mistakes. Soften your criticism. Use it to help people, not to punish them.
DO NOT SHOUT- EXPLAIN:-
Why shout at someone? “ I am disappointed.” “ You have always been such a good worker”- these surely are far better ways of telling off someone than yelling at him in heat of moment. Remember, the whole purpose of reprimanding is to improve someone, to help him not to repeat the same mistake . Shouting at someone will make him determined to make the same mistake again, if only to annoy the boss.
A PROMISE IS A PROMISE:-
People appreciate a boss who is straight and honest with them. They will never respect a clever, slippery leader who does not keep his word. If a boss is completely honest and fair, his people will be willing to put up with a lot of his shortcomings- and every boss has some.
DO UNTO OTHERS AS YOU WOULD LIKE THEM TO DO UNTO YOU:-
There are always lots of people with different and strong opinions. But they usually manage to live peacefully side by side and without any trouble. Suppose you do not agree with somebody, so what? Why be unpleasant and argue about it. Everyone has a right to his own opinions and beliefs. It is a waste of time and energy arguing to bring them to your point of view. Let them keep their point of view and you keep yours. Arguing is useless and never succeeds in winning people over. It only creates tensions.
LISTEN TO COMPLAINTS:-
When a person complaints for the first time or tenth time, listen patiently and attentively. Some times all a man really wants a little more attention. His complaint may be entirely unreasonable but do not brush it off. Nod your head and say “Is that so” The listener will be most impressed because nobody wants to think he is unreasonable especially if he is unreasonable. How often one gets excited over little matters and makes an issue out of them.. Sometimes it is best to leave things alone and not make an issue out of things unless it is absolutely essential and we just have to do it. Human beings are emotional and excitable. Give them time to cool off and to save face.
FOR A SENSE OF HUMOUR:-
A sense of humour is a fine thing. But be careful not to overdo it. Some people are sensitive and just can not take it. In such cases, humour becomes ridicule. In dealing with people it is essential to have a sense of humour. By sense of humour, we mean having a sense of proportion and the courage to smile. It is ability to take care of yourself and your problems with a grain of salt. The ability to smile at yourself and the world as well.
GIVE A GENTLE PUSH UPWARDS :-
Good boss never consider himself above his subordinates. Of course he should not let his juniors walk in and out of his office as they please, but he lets it be known that he is always available to listen to their problems and grievances. After all, if his men are unhappy, their work will suffer, the organization will suffer and inevitably, he will suffer. It is very important – particularly as a business grows larger- to keep the lines of communication open at all levels. An organization is always better off, and a lot of trouble is avoided if ideas and complaints move quickly and easily in both directions.
MEN, NOT MACHINES:-
A common failing with many managers is that they often consider themselves superior to their men. They don’t appreciate their view point or make any effort to understand their hopes, fears and problems. If you treat your men like machines they will respond like machines: which means they will work just so much and no more. On the other hand, If you show your concern for them as human beings, they will feel obliged to help you and the organization. Remember a manager only achieves his objectives through people. That’s why we say that dealing with people- their knowledge, their peculiarities, their temper- is one of his main jobs. Management is human relations.
NO MISTAKES, NO INITIATIVE:-
When something is going wrong, investigate, ask, don’t accuse. Give the men a chance to tell his side of story. Like this, he will be far more willing to recognize and accept responsibility for his mistakes. Try to avoid mistakes happening at all. It takes far less time and effort to prevent mistakes from happening than it does to correct them.
PROBLEMS WILL OCCUR- :-
Problems will occur especially when you are dealing with people. Therefore, a good manager should make a habit of acquainting himself the thoughts and ideas of the people who work for him. He should encourage them to say what they think. In this way, the management will have continuous and accurate information on attitude and opinions of its employees.
DISAGREE WITHOUT ANGER:-
If you do this, and do this sincerely, people won’t be offended at all when you don’t agree with them. It is an open minded approach and encourages others to be open minded too. You will be surprised how often most of us tend to fly off the handle. But this is something which we must try to avoid at all costs. Anything done in anger will always lead to bad results. Keep your personal feelings and prejudices right out of picture that is the secret of getting along with people successfully and takes a lot of self control. The fellow who is good at controlling others must first learn to control himself.
There is a tactful method of disagreeing with someone. Start out by asking the person to explain his views fully. Listen to his views. Agree wherever you possibly can. And than when you cannot convince yourself in front him that he is right, point out why. Show him why you can not go along completely with him on what he says and than ask him to consider your point of view. Surely, this is an effective way of getting people to come over to your opinion.
MONOTONY BREEDS LACK OF INTEREST:-
Doing the same job day in day out doesn’t necessarily mean that it is most efficient way of getting things done. People aren’t like machines. Many of them get tired of doing the same thing over and over again with the result that they do it badly. Good manager is to take the boredom away from a job and make it more interesting. He can delegate, ask for suggestions, contact people and get people to use their brains. All this helps to take away boredom.
WHY ARGUE? TRY TO UNDERSTAND:-
Have you noticed that the people who are really smart rarely get into arguments. They have learnt that arguments are a complete waste of time . The best way of settling differences is to show other fellow that you understand his point of view. Stress the point on which you agree with him and than quietly and calmly point out where you can’t agree. Never flatly contradict him. Even if you know he is wrong, never act as if he is obviously ought to agree with you. Never, get into an argument. Even with the best lawyer in the world, you won’t be able to convince him that black is not white if he does not want to be convinced.
BE BRAVE- FACE UP TO MISTAKES:-
When we make a mistake, most of us are scared and try to wriggle out. But why not admit a mistake? We can’t be right all the time: A man who is right only 60 per cent of time can be a tremendous success- if he is quick to correct his mistakes the rest of time. If there is no mistake there is no initiative. Not to admit a mistake is plain foolishness. You’d be surprised but people respect a man who is quite open about his own mistakes.
MEET THE BOYS FACE TO FACE:-
That’s what they do in Japan, and that’s why they are so successful. They settle things face to face and on spot. No separate offices. No long memos. To obtain the best results when dealing with people, do it in person. If you can’t see a man in person, telephone him. A phone call is more personal and persuasive than a letter.
THE WISE BOSS IS A FRIEND:-
The main function of a leader is to help his people to produce more. That surely is main job of every boss- to help his people to do a better job: through guidance, interest and appreciation. The boss’s efficiency is not measured by the work he does himself, but by what his people have done. That’s why it’s so essential for a boss to know how to handle people and get them to do their best.
REMAIN LEVEL- HEADED WHEN THINGS GO WRONG:-
That’s what you will have to do, when things go wrong. There is always temptation to find out who is responsible and give him a piece of your mind. But this doesn’t do much good, except to relieve your own feelings and aggravate somebody else’s. When something goes wrong, hold your fire. First find out why it happened. When people do poor work, there is usually a reason. When you find cause, attack the reason, not the man himself.
CAREFUL LISTENING ELIMINATES MISUNDERSTANDINGS:-
Most people are afraid to admit that they do not understand. As a result you don’t even realize that they haven’t got your message until everything is all messed up. One way to be sure that your meaning has gone home is to ask your listener to repeat the message back to you in his own words. Like that, you can be sure that you are both on the right wavelength and that your listener understand your message and not his own interpretation of it. Be more careful with your instructions. Check back in early stages of the job to make absolutely sure that it’s going properly.
UNDERSTAND YOUR CASE:-
I MAY BE WRONG, BUT--,
DON’T YOU THINK THAT--,
ISN’T IT LIKELY THAT--,
ONE WAY TO LOOK AT IT IS THIS…,
IT’S POSSIBLE THAT…
These phrases are most effective way of getting your ideas accepted. Soft pedal your opinions. Use phrases like these and you will find people more willing to listen and less quick to bristle. Even when you know you are right, it’s important to show that you have an open mind and this encourages others to accept your decision, but there is no law which says that people have to agree with your thinking.
BE MILLITANT, BUT ONLY AS A LAST RESORT:-
For emergency use only- try force. If we seem to talk a lot about a friendly and constructive approach, it’s because we believe that we can always get better work out of people by making them want to do good work, than by trying to force it out of them. Some times, however, this approach doesn’t seem to work. In such cases, take the matter up bluntly and directly with the person in question. If a man doesn’t respond to a constructive approach, face the issue and find out why. Try to straighten him out without resorting to punishment and penalties. Failing that, get rid of him as soon as you can. You’ll have a healthier organization if you do so.
ENCOURAGE INITIATIVE AND TOLERATE ERRORS:-
All bosses profess to encourage initiative among their employees. But what happens when someone does take initiative and make a blunder. Do you deluge him with blame and criticism or do you take as much of the responsibility as possible on yourself and try to soften the blow. This fear of taking initiative and then being criticized for being wrong is the greatest initiative killer of all. The manager who wants to encourage initiative among his assistants has to expect and be tolerant of errors. Otherwise, many people would prefer to do nothing- they’d rather pass the buck than risk being wrong.
A COMPANY LIKE A PUMP, REQUIRES THE RIGHT PRESSURE:-
One of the problems of leadership is to know what degree of pressure to apply: to what extent should the boss repeatedly control and check his subordinates. Pressure is not necessarily bad but excessive pressure certainly is. A manager should be able to gauge how much pressure to apply on his subordinates.
REMEMBER, THE OBJECTIVE CONTROLS THE MANAGER:-
Under a system of management by objectives, it is the manager who controls his own performance, and not his boss. The manager’s task is made easy because, he has actively participated and given his agreement and taken responsibility for objectives of his unit. Once the objectives are settled the manager should be allowed to get on with the job of achieving them any manner he thinks best, but, of course, within the general framework of rules of an organization.
WORK IS FINE, BUT RESULTS ARE BETTER:-
The focus of the executive must be always being on contribution. The focus of his efforts should be on results rather than work. Most executives are flooded with papers. They have no time to think and plan. They are all too occupied just working, but not thinking about the results of that work.
An all round squeeze produces good results:-
It is best to give managers a tight budget and minimum number of staff. They will raise hell to start off with, but under pressure they learn to simplify and than produce much more and at lower cost.
ANTICIPATION IS BETTER THAN CRISES:-
The organization which accomplishes the most is usually a quit, rather boring one where there is never a crisis because everything has been anticipated and made into a routine. This is a far better atmosphere for an executive to get down to his job which he thinks out plans for the future and also to develop his subordinates.
DECENTRALISE AND PROFIT:-
Give the man on the spot as much authority as you possibly can. Experience has proved time and again that not only will he live up your trust but that the work will be done far better, and you will hardly ever be let down.
ACCENTUATE THE POSITIVE:-
The secret of effective leadership is to concentrate on and develop the strength of an individual- his strong points. Individual have many facets but for average individual there is usually only one area where he might be very capable. Concentrate on that area and forget about his weaknesses because if he is normal person he is bound to have them. If a man has no weaknesses, it may well be that he has strong points either and will nothing more than a mediocrity. All well –known leaders have their failings, but important thing- and this is what really matters- are that these people produce results.
PRESERVANCE ALWAYS PAYS:-
One is bound to succeed in the end if one keeps on at it! It doesn’t matter how many times you fail. Remember what happened to Robert Bruce of Scotland. It is not the brilliant fellow that gets on in the long run, but the fellow that has the capacity and the patience for going at it again and again and not giving up. Who was it who said that, Genius is one percent inspiration and ninety nine percent perspiration.
THE WELFARE OF YOUR STAFF COMES FIRST – ALWAYS.
The Organization of the armed forces of most countries can tell us a great deal about man management. Why is it that soldiers follow their officers through a hail of shrapnel and bullets? It is not because they are especially well paid It is not because they will be punished if they malinger. It is because they the way in which discipline has been built up the armed forces. There officers see to it that their man are properly settled fed before they attend to their own needs; they see that they write home to their families; they try to help them to study so that they can improve their position. An officer makes it his business to spend time and effort over welfare and health of his men. This could apply equally in civilian life too. Let your men feel that you really are concerned about their welfare. If you do that you can be sure that they in their turn, will do everything possible to be loyal to you and the organization.
A GOOD TIP PAYS OFF IN BUSINESS:-
In some organizations a suggestion is looked upon as a slur on the manager. The manager thinks that people will ask why he did not think out this suggestion himself. This whole attitude is, of course, entirely wrong. Every employee must be actively encouraged to make suggestions for improvement and he must know that his suggestions will be carefully considered.
THE RIGHT TOUCH:-
And it was just a little touch. But he’ll think of her for days on end. That’s all very well, but you’ll be astonished at what a big difference such little touches make in one’s day to day life. If one of your men looks unwell, ask him about it. If he takes leave to look after his ill wife, find out how she is when he comes back. If he walks with a limp, enquire how it happened. Ask about his daughter’s progress at school. Good human relations do not normally take up much effort But how very often otherwise experienced and clever managers entirely ignore such an approach.
DOWN WITH SYCOPHANTS:-
One of the biggest dangers for the average executive is the yes -man type subordinates: the subordinate who is always buttering up the boss. A good executive needs men around him who have the strength to give dissenting opinions. He must be able to see through the yes-man and shoe-licker as quickly as possible. Otherwise they are bound to land him in trouble. It is so easy for a busy executive to jump to wrong conclusions. That is why it is important for an executive to have independent thinking men around him- so that they can correct him
ONLY FATHER CHRISTMAS CAN GRANT WISHES:-
A good executive must have courage to say ‘no’. And this could be one of his most difficult tasks, because he is under enormous pressure. Everyone always wants something from him- his friends, his relations, and people in high positions. He will have to exercise all his self-control to resist such requests.
DO NOT ACCUSE- INVESTIGATE:-
When you sense that something is going wrong, get to it straight away. If you deal with problems while they are still small, the chances are you eliminate the problem from becoming big. Root out misinformation and poor attitudes before they take hold.
Most problems are caused by lack of proper communication. People are often disturbed because they do not have the facts, so they do not understand the real situation. The faster you put these false impressions right, the better off will you be. The thing to do is to nip trouble in the bud before it builds up and become serious. There are enough real grievances in the world. So there’s no point in people getting upset over imaginary problems that can be put right straight away if you give them the true facts.
HAPPY AT HOME, BETTER RESULTS:-
People tend to work the way they feel. Their productivity depends to a large extent on their frame of mind. A good supervisor gets to be an expert in spotting people who have trouble at home. He knows its lot smarter to help a man get his personal problems off his chest than to let him spoil a day’s work. Under such circumstances, scolding the person and tearing a strip off him can do only harm.
EVERYONE LOVES RECOGNITION:-
Everyone has an ego, a desire for recognition and craving for attention. Why-goodness knows. Maybe it’s caused by some overactive glands but this is something which has to be recognized if you want to be successful in handling people. If people can get attention by doing something constructive, they’ll get it by doing something destructive. A really good supervisor simply must realize this.
MAKE YOUR INSTRUCTIONS CRYSTAL CLEAR:-
You’ll be surprised how often instructions are misunderstood. ‘I thought you said that’ or ‘I didn’t realize this is what you wanted’. These phrases are used again and again and things are always going wrong. If you want your instructions to be properly understood, you have two jobs to do: one is to explain yourself simply and clearly, and the other is to go out of your way to make certain that you are correctly understood. If you don’t do this, things are bound to go wrong.
TALK STRAIGHT:-
No matter how unpleasant the task, be direct. Don’t let anyone get the idea that you are going behind his back on anything. Put your cards on the table and keep them there in plain straight. Don’t avoid questions, hide facts, or try to evade an issue by clever tricks. Avoid cleverness as you would the plough; otherwise people won’t trust you. As the boss, the best possible impression you can give your staff is that you are sincere and fair. The fellow who thinks he can fool people indefinitely is fooling himself.
IN MOMENT OF CRISIS REMAIN COOL:-
When somebody is dead wrong, there’s always temptation to bang your fist down and tell him so on in no uncertain terms. But it’s not good business- not if you want to retain his goodwill and win real co-operation. There are critical moments in dealing with people. If you disagree with someone, do so gently. The more aroused he becomes, the more determinedly he’ll stick to his own opinion. If you adopt an open-minded approach and encourage people to be open-minded too, it gives you an excellent chance of winning the other person over.
SLEEP OVER IT:-
Let’s admit it- dealing with people can be an exasperating and frustrating business. Every once in a while we are bound to get discouraged and ready to throw in sponge. But whenever things look bad and you find yourself discouraged and resentful-stop. Look at what’s wrong. If you can’t see the good side, drop the matter temporarily and get a good night’s sleep first. Don’t get excited and worried by difficulties.
HANDLING PEOPLECORRECTLY IS AN ART:-
People get their most of impressions through eyes; not their ears. If you want to sell an idea- or even a sense of discipline to people who work for you- you have to set a personal example. The minute you try to sell them something you don’t really believe in, something you don’t practice yourself, you have got a job on your hands. There’s no question about it. If you want results you have surely got to set an example yourself.
THROUGH MISTAKES TO SUCCESS:-
That’s really what experience means. A fellow might work in the same organization for say 20 years, but it might be one year repeated 20 times. He learns nothing. But with another fellow, every year is an additional year’s learning. Every mistake he makes, he notes down, thinks about it and thinks again about it. Why did the things go wrong? How could it have been prevented? If you do this often enough, there’s no stopping you. The sky is the limit. Mistakes can be your most effective teacher.
*******************

Retail banking recollected

Retail banking recollected questions on 22.12.2019


Today retail banking exam memories based question.
Carpet area
Bharat bill payment.
Present value.
EMI
Products
SMA
SEGMENT AREA.
GEOGRAPHICAL AREA.
PREPAID CARD LIMIT. AND CASH LIMIT.
RTGS AND NEFT DIFFERENT.
Hosuing loan case study.
Car loan case study.
Propagate full form.
Mobile banking questions.
Mutual fund business. By bank.
Debit card complain.
Hacking net banking or debit card what type of risk. https://iibfadda.blogspot.com/?m=1

Friday, 19 June 2020

Caiib BFM Strategy

BFM::;;

The strategy for the study of Bank Financial Management which many people finds difficult to clear. If you study properly, it is easy to clear the BFM. This subject also contains 4 modules, they are;

-International Banking

-Risk Management

-Treasury Management

-Balance Sheet Management

Many people do not correlate the syllabus of the subject with day to day banking activity. So they find it difficult to score and understand this subject. But this not true, this subject is very much important which will increase your knowledge regarding top management & middle management functioning of your bank as well as banking as a whole industry.

All the modules are equally important, but you may clear the paper with three modules study also. Module A & B are relatively easy and scoring as well. Let us discuss strategy for each module.

Module A-International Banking

Important topics are Exchange Rates and Forex Business, Basics for Forex Derivatives, Documentary LC, and Facilities for Exporters & Importers

Rapid reading or bullet point reading is quite useful for this module. Practice numerical again and again.

Many numerical/case studies are asked from this module which are quite easy as compared to Module B & Module D case studies. Refer the case studies from McMillan given at the end of the topic. Also N.S.Toor book has many numerical and case studies. Questions are asked on Exchange rates, Shipment Finance etc.

Module B-Risk Management

All chapters are equally important as they are interlinked to each other. Again focus more on case studies/numericals given in Apendix at the end of chapter. Maximum case studies are asked from this module. Though short notes are useful for this module I would suggest McMillan reading for this module because some questions are twisted type for which you require details of the concept which is hard to get from short notes. RBI website contains FAQs which are quite useful for this modules, you should read them at least once.

Module C- Treasury Management

Important topics are Introduction, Types of treasury products, Treasury Risk Management, Treasury and Asset-Liability Management.

Mostly questions asked on this module are theoretical type, so through reading of McMillan is important. If you don’t get time then you can skip this module or read short notes since the weighted of this module for exam point of view is low according to me as compared to Module A&B. But those who wish to make carrier or work in treasury department, this is the best module to learn.

Module-D Balance Sheet Management

Important chapters are Components of ALM in Bank’s Balance Sheet, Capital and banking Regulation,, Capital Adequacy, Asset Classification and Provisioning Norms, Interest rate Risk management.

Though McMillan book contain sufficient material but I would suggest you to refer RBI website for this module. In this module focus more on Case Studies as compared to theoretical questions. Do not skip this module as it is much important for exam as well as knowledge point of view. No need to read McMillan line by line.

Overall you have to keep balance between theoretical reading as well as case studies/numerical since the paper would contain 40-45% case studies. N.S.Toor book contains good case studies and MCQs. Also there are many resources available on the internet from where you will get case studies for this module. After giving this paper you will realized that BFM is easier as compared to ABM and no need to worry for BFM.

Caiib ABM strategy

CAIIB ABM Strategy

ABM is one of the compulsory subjects for CAIIB. Most of the people find difficult to clear this paper. Today, I will tell you how to study for ABM subject.

This subject also contains 4 modules

MODULE – A: Economic Analysis

MODULE – B : Business Mathematics

MODULE – C : HRM in banks

MODULE – D : Credit Management

As we are bank employees we get very less time for study, so how to decide which topics to be read, which topics to be skipped?

-As I had told you in my previous blog article that generally paper consists of 60% theoretical & 40% numerical or case studies, so choose the module to be study in deep so as to clear the paper easily depending upon your personal strength and weakness.

If you observed all the modules, you will realize that Module A and Module C are most scoring modules. Do not skip these modules. Module B contains Business Mathematics which many people find difficult to study as the level of mathematics is tough, especially for non-engineering background people. Those who works in Credit/Loan Department will find that Module D easy as well as interesting. Module D is most important not only exam point of view but also for your daily working in Credit Department. So do not skip Module D.

IMPORTANT TOPICS FROM EACH MODULE

Module A- Supply and Demand, Money Supply and Inflation, Business Cycles, GDP Concepts and Union Budget.

No need to read McMillan Book line by line for thise module, short notes will be quite useful for studying this module. Don’t read stats given in these chapters. In GDP Concepts and Union Budget chapters numerical are asked which are quite easy provided you know the components and formula.

Module B-Time Value of Money, Sampling Methods, Simulation, Bond Investment

Don’t go to deep for study this module as mathematical calculations are difficult to understand especially for non engineering background people. Practice the examples given in McMillan. Those who are not good at math can skip this module and focus more on remaining modules.

Module C-Development of Human Resources, Human Implications of Organisations, Performamce Management, HR & IT

You need to read thoroughly all the topics from this module from McMillan. It is quite easy and theoretical only. Repeatedly read MCQs from N.S. Toor book of this module.

Module D-Overview of Credit Management, Analysis of Financial Statement, Working Capital Finance, Credit Control and Monitoring, Rehabilitation and Recovery.

Read this module from McMillan book only. The chapters in this module are not lengthy as compared to other modules. Practice Numerical from Financial statement and balance sheet.

Overall, you have to study at least three modules in detail so as to achieve the 50 score. You can choose the modules to study more depending upon your strength. I would suggest that you can keep module B at last, just read formulas from this module, as this module is quite boring, lengthy and hard to understand.

Tuesday, 26 May 2020

IIBF new rules

INDIAN INSTITUTE OF BANKING & FINANCE ® RULES AND REGULATIONS OF Remote Proctored Examinations Overview: Presently institute is conducting all its examinations in online mode at various centres across India with physical proctoring. Considering disruption created by pandemic outbreak and changes in environment, Institute will be conducting some of its certificate examination in remote proctoring mode from June/July 2020. For schedule of remote proctored examination click here: http://www.iibf.org.in/documents/pdf/website_schd_remote_proct_exm_20200525.pdf Remote Proctored Examination: Remote proctoring allows candidates to take an examination at a location of his/her choice while ensuring the integrity of the examination. These systems require students to confirm their identity, and, during the examination, the system monitors students through video, mic, etc. looking for behaviour that could indicate unfair practices (cheating). Examinations are conducted over internet using a Desktop/Laptop. Taking examination using any other device is not permitted e.g. mobile, tabs, etc. To start with, Institute would start with the following certificate examinations 1) AML/KYC 2) MSME 3) Prevention of Cyber Crimes and Fraud Management. These examinations will not be conducted in a physical examination room environment from June 2020 i.e. those will be discontinued. Process: Registration: 1) The candidate will register for the examination online for the given course/exam. 2) At the time of registration, the candidate will select date/time of the examination. 3) At the time of registration, the candidate can register for e-learning/e-book, if required, by paying the requisite additional fees. 4) The study material can be in the form of e-book and/or e-learning. 5) Based on the option selected (e-book/e-learning) the candidate will be provided login ID password to access the study material. 6) The candidate will take examination on predetermined date/time under remote proctoring. 7) On successful registration admit letter will be generated. Candidates can download it. Examination: 1) Candidates will take examination under remote proctored mode on predetermined date/time from a secured environment. (refer Do and Don’ts section for more information) 2) Candidates should login to the system half an hour before the exam start time. 3) The examination proctor will verify the candidate’s face with the registered photo image of the candidate. 4) Candidate will also be asked to display any valid original photo id-card (Aadhaar card/eAadhaar/Employer's card/ PAN Card/ Driving License/ Election voter's card/ Passport etc.) for verification purpose. After successful verification the proctor will allow the candidate to start the examination.  5) Candidate may be required to show 360° view of the exam area using the webcam. So that the proctor can identify the object/check the suitability of the exam area/environment. A clear desk/table has to be ensured for appearing for the examination. No reference materials, books, notes, periodicals, mathematical tables, slides rules, stencils, post-its, chits, mobile phones, headsets (wired/ wireless), any other electronic gadgets are allowed to be kept on the table or the desk. 6) Both sides of the rough sheet (if it is going to be used) should be shown to proctor before and after the examination. 7) Once the examination begins live remote proctoring of the candidate’s activities will take place throughout the examination period. 8) Under remote proctoring candidate’s activities will be monitored using webcam, mic etc. Computer screen, browser, mouse, keyboard etc. will be monitored. 9) Proctor, if required, can convey information/ instructions to the candidate using chat box. 10) If a candidate indulges in unfair practices/suspicious acts, the proctor will intervene and warn the candidate through chat box or can cancel/stop the examination immediately as the case may be. 11) After completion of the examination/submission, provisional scorecard will be displayed on the screen. 12) For passed candidates, digitally signed Certificate will be issued within three weeks from the examination date. Minimum System Requirement: I) Desktop/Laptop:  Browser: Google Chrome version 75 & above, with cookies & popups enabled  Video/Audio: Webcam and a good quality Mic is required  Operating system: Windows 8 or 10  RAM & Processor: 4 GB+ RAM, i3 5th Generation 2.2 Ghz or equivalent/higher  Pop-up blocker: Disabled II) Internet Connection: Stable internet connection with at-least 512 kbps+ upload speed Examination not allowed on mobiles or tablets Do and Don’ts: 1. The candidate will take the examination from a secured environment. i. Place having desk and chairpreferably with plain backdrop (area behind the candidate) with adequate lighting so that the candidate is visible to the proctor. The place should be noise free with no public movement in the surroundings. All the items should be removed from the desk except computer/external webcam (if internal webcam is not available) /keyboard/mouse, other permitted items, if any. ii. Examination will not be conducted if the examination area is a Public place, a noisy environment, having inadequate lighting, having public movement in examination area/around the candidate, having other computer or similar device in the examination area. iii. The examination cannot be taken sitting on a couch, bed or on the floor. 2. Candidate’s will take examination on a registered date/time from a secured environment. Candidate who tries to appear after the scheduled examination date/time will not be allowed to appear for the examination. 3. Candidate’s should login to the system half an hour before the examination start time.  4. No other persons are allowed in the examination area during the examination. 5. Candidate must keep ready his/her original photo identity card that has name and photo on the same side, admit letter, rough sheet, pen/pencil and calculator. 6. Candidates must dress decently as though they are in a public place and will be video recorded 7. Candidates must not talk to anyone during the examination period or talk/read to oneself loudly. 8. In case of emergency he/she can talk to helpdesk in case of any technical issue with permission from proctor. 9. Candidates must not use headphones, ear buds, or any other type of listening equipment. 10. Candidates must not communicate with any other person by any means. 11. Candidates must not use any phone for any reason. 12. Candidates must not leave the room/examination area during the examination for any reason without the permission of the proctor. Leaving the room/examination area or moving to another room/area during the examination for any reason will be treated as a violation of examination rules. 13. Candidates must not setup the computer at the time of examination. All the settings need to done much before the examination time and tested properly. For any failure of the computer system during the examination period, Institute will not be responsible and candidate will lose his/her attempt. 14. Candidates must not switch off the webcam or mic or cover the webcam during the examination. 15. Candidates must not navigate away from examination window. 16. Candidate’s face must be positioned in the middle of the camera view and candidate’s face must be visible throughout the Examination. 17. Don't Position camera too low, too high or hooked onto a different monitor. Weird camera angles can be very distracting -- and unflattering -- during examination. The candidate should make sure that the camera is at eye level and on the monitor which is used for the examination. 18. Candidate must not look away from laptop/desktop screen, must face computer screen. 19. Candidate must not seek any assistance or refer study material/mobile/ for answering the questions. 20. Candidate must ensure that he/she has attempted every question and reviewed the accuracy of his/her answers before submitting the paper. Once submitted (even by mistake), re-examination will not be permitted. 21. On the exam day candidate is advised to ensure that the Laptop is fully charged and in case of Desktop it is connected to an uninterrupted power source for smooth conduct of examination. 22. Candidates are not permitted to logout/switch-off the computer for the sake of going to washroom and if they log out/switch-off, re-login will not be permitted. 23. Candidates will be allowed to use battery operated portable calculator during the examination. The calculator can be of any type up to 8 functions i.e. (Addition, Subtraction, Multiplication, Division, Percentage, Sq. root, Tax+ and Tax-), having 12 digits. Attempt to use any other type of calculator not complying with the specifications indicated above or having more features than mentioned above shall tantamount to use of unfair means. Scientific/Financial calculator is NOT allowed. Debarment/Cancellation of exam: 1) If a candidate indulges in unfair practices/suspicious acts, the proctor will intervene and warn or cancel the test. 2) For any case of misconduct, the proctor can warn/cancel the test immediately as the case may be. 3) For any unfair act (cheating) during the examination, the result of such examination may be cancelled and he/she will be liable for punishment. Institute will also inform the employer of the candidate by giving the details of unfair practice and punishment levied on the candidate.

Sunday, 24 May 2020

Ccp 22/06/19 recollected questions shared by members

Ccp 22/06/19 recollected questions shared by members

1.Whether to accept or reject proposal based on the comparison with npv,irr,arr,bcr 5 questions
 2. Cersai registered under which act
3. Question related to rehabilitation
 4. Which is correct for OPC
5.sma related questions -5 question
 6. time period - right of foreclosure , mortgage money related question
7. interest coverage ratio
 8. Find nwc with details of ca, total assets , term liabilities

9.LC one case study 5 questions ,
10 irr -5 questions, 
msmed act 5 questions

11. 6 questions on factoring and forfeiting
12.5 questions on TReads scheme.
13. 8questions on NPV and IRR , pay back and interest coverage
14. Ratio analysis: 7 questions.
15. 5 questions on msme rehabilitations.
16. 6 questions on IBC and NCLT
17. Minor related 3 questions
18. LLP, HUF,partnership 4 questions
19 Ltv on hl and edu loan 2 questions
20.priority sector:pmjdy,kcc 3 questions
21 Anbc calculation 5 questions

JAIIB AFB Recollected questions ..

JAIIB AFB Recollected questions ..

1.More Theory based questions came.Approximatly 20% numerical
2.As 6
3.Spot rate
4.Numricals on sum digit depreciation
5.Computised accounting 2 question
6.Ration analysis : debt equity ration was given current ration was given total asset was given, find curren asset.
7.1 question on exchange rate.
8.3-4 question theory on rectification and error
9.4-5 questions related to daily banking activity

10.Calculation of net profit
11.Bills discounting
12. Brs 2 questions
13.3 qns NPV
14. 4 Depreciation- Sum of year method
15. Bond yield
16. YTM calculate
17.Questions were also on KYC norms
18.Like who can open current account
Illiterate
Minor
Blind
19.Non registered society
20.Documents required for opening acc of an trust
21.Opening stock 1000
Purchse 2000
Sales 1600
Expenses 500
Closing stock???
22.Error of commission
Error of ommission
Compensating error
23.
Sold goods to Mr.M ...trail balance entries will be?? Which account is debit

24.
Features of cost based concept accounting ??

25.
Process of Posting of entries in ledger is called??

26
Which of the one is not belongs to reporting stage??
27.Sweat equity
28.1 $ = in rupees and 1$ = in euros find 1 euro= in rupees
29.
Generally cash book and passbook is differs in following situations??


30.Regarding non voting shares one questions
31.Adjustment entry effect whch account
32. profit nd loss
33.Trading related
34.Current account can be opened by ......
35. Discount factor for 1 year for 10% rate.... 0.909
36. Which method doesn't take time value of money in consideration... NPC/IRR/PAYBACK METHOD - PAYBACK METHOD
37. If market value of the bond is equal to the face value..then intrest rate is?? YTM/Simple/Compound
38. 3 question on sum of digit method of depreciation... In one question dep. For 3rd year was asked and time period was 10 years.. In another que. Depreciation after 3rd year was asked
39. Which of the following is ont at the recording stage? Money measurement/Cost concept/Business entity/Going concern*
40. One question from reporting / recording stage
41. Overcasting in receipt side of cash book reconciled by what?
42DE ratio 4:1, Current ratio 2:1, Owned funds : 3 lakhs, Total assets : 34 lakhs, Find current assets?
43. Machine value 30000, Salvage value 2500, Life 10 years, What is the 3rd yr depreciation value?
44. Machinery value - 12,00,000, Salvage Value - 1,00,000, Useful Life in Years - 10 Years. Use sum of the years' digits method of depreciation to find the depreciation for 3rd year.
45. Generally cash book and passbook is differs in following situations??
46. Regarding non voting shares one questions
47. 1 $ = in rupees and 1$ = in euros. Find the value of 1 euro = in rupees
48. Housing loan priority sector 1 question
49 Process of Posting of entries in ledger is called?
50 Adjusting entries will effect which of the accounts?? p&l / balance sheet / trading account / None of the above
51 Opening stock 1000, Purchase 2000, Sales 1600, Expenses 500, Closing stock?


Caiib rural banking recollected


Rural banking elective.
Case study numerical 1.BKCC CALCULATION.
2.DSCR PROBLEM
3.NPV AND BCR NUMERICALS
4.PRIORITY SECTOR CASE STUDY
5.PMSBY APY AND PAYG CASE STUDIES
6.FARMER DOUBLE INCOME 2022 CASE STUDY
7.FARMER DEBT AND MFI CASE STUDY

Bcsbi recollected questions

Bcsbi recollected questions 

1) Garnishee Order received for Rs 10,000/- The minimum balance as per bank rule is Rs 3,000/- What is the course of action?

2) Right of appropriation is as per which act?

3) A teacher for the purpose of teaching enquiring bank regarding her rish categorization, as in what risk her account is classified?

4) Mr. X is having gold loan with our bank. He stand as a guarantor for Mr. Y. Now Mr. Y defaulted the loan and the account is NPA. Whether bank can hold the pledge ornaments?

5) How many CIC a bank should have membership as per guidelines ?

6) Which among the following is not CIC?

7) Which among the following is not Officially valid Documents (Answer was Ration Card)

8) Major complain received in Ombudsman for the credit card? (Wrong Billing)

9) What facility we cannot extend to Minor account ? (Overdraft facility )

10) What precaution bank take while accepting the power of attorney, Chooser the wrong answer (Power of attorney unstamped)

11) Maximum term of FCNR (B) deposit?

12) Full form of CORE in CBS?

13) Which among the following is implied needs? (Ans: Extra Attention to the service need)

14) Customer approaching for getting a pass sheet print in terms of passbook? Whether bank will issue apart from passbook?

15) The bank came to know that Mr. A, customer of your branch died on 01.09.2018. Mr. B is approaching the bank on 05.09.2018, to deposit money to that account. What will be the course of action?

16) Customer Delight Illustration by an example choosing from the options

17) Recently what and all deficiency are added to the purview of Ombudsman? (Bancassurance to ineligible/in appropriate customer & Non displaying of redressed/Ombudsman details at branch)

18) Who will appoint CEO in BCSBI?

19) Number of women representatives in various redressal forums under Consumer Protection Act?

20) How branch guide for a customer who is having a complaint? (Ans: TAT, Ombudsman details, etc)

21) The stop payment is issued, however bank honor the cheque, what will be the implication on the bank in terms of this deficiency?

22) Order cheque requires (Endorsement, Delivery or both ?)

23) Which among is not principles of banking? (Insolvency, trust, transparency etc )

24) A reduced customer complaint and increased business is a sign of (Good progress in business )

25) Example of social media marketing? (Advt in press/Internet etx)

26) Implication of a bank which is not a member of BCSBI ? (Less Image in public )

27) Mr. X an employee of the bank collects from neighbors everyday money not deposited to their account? What will be the implication ( Bank’s Image will go low, The staff will be punished, No implication on bank as the collection done not in branch time etc)

28) In terms of promotional materials internet, the bank’s ethics (Like not misleading, giving transparency, information etc)

29) Which among the given option is not a rating parameter for BCSBI for bank’s rating?

30) As per the BR act, who is having the power to conduct inspection of SCBs (NABARD)

31) Which among the following is not required to disclose as per the BCSBI codes to the person who do Forex transfer? (Answer was interest rate of beneficiary country for the term deposits)

32) A non - customer approached you for the remittance of Rs 60,000/- vide NEFT to his father in different town for the medical purpose. What will be the course of action as per BCSBI codes?

33) Mr. X issued a cheque in favor of Mr. Y in different city. He has presented to clearing to Bank. Mr. X now demanding for the original cheque to confirm the particulars entered. (Bank can give the image of cheque only)

34) The bank has send the returned cheque vide ordinary post to the payee. The same is lost in transit. How the case can be dealt to ?

35) Which among the given option is not retail banking?

36) Calculation of eligible loan by giving project cost, Reg Charge, Stamp Duty & Cost of Project @ given LTV of 90%

37) Who can authorize the alterations in the Cheque when it is presented over the counter for the payment?

38) The remittance above what amount o be strictly routed through A/c

39) The demand draft above what value to be credited or passed through account payee options?

40) What is the limit to which no processing charges for MSE loan? (Ans: 5 Lacs)

41) As per MSME CODE till what amount bank will give collateral free loan?

42) The loan given for ITI Education. The loan value is Rs 1.50 Lacs. It is a one year course Maximum moratorium can be ?

43) Demerits of credit card ( Overspending)

44) An unsolicited card is issued to a person. The bank charged Rs 100/- as fees. What is the course of action bank need to take?(Charge and Twice Value of the charges reversed)

45) Code of conduct of DSA : Which among is wrong?

46) Mr. X who is to be approached by our recovery agent old the agent to come to his company near the tea shop in the ground floor of his office, What the agent should do (Ans: No other way go only J )

47) Within how many days the customer can approach the appellate authority if they are not satisfied with the award given by Ombudsman?

48) Which among the following is not an advantage of demat services?

49) Which among the given option is not feature of endorsement?

50) The cheque given for the collection is returned unpaid, the notice is not given in 24 Hours to the party. The customer came to know after 2 months. How to compensate /deal with this situation?

51) Who controlling body for the the tele marketing ?

52) What is the pre requisite required while hiring a tele marketer for the bank?

53) The time limit for transfer of account from one branch to another branch same bank?

54) Which committee on customer service recommended that the passbook should be issued to FD holders like we issue for SB account ?

55) All the details in cheque is filled with ink, the signature is done with pencil. What will be the course of action?

56) As per the CPPAPS Committee, the evaluations are based on whose sense ? (Regulator, RBI, IBA or Customer. Answer is Customer )

57) Time frame for the settlement of death claim

58) Which among the following is not a BSBDA Account Features?

59) Time frame for the recovery agent to visit customers place ( 07:00 to 19:00)

60) As per the Copra Act, the redressal forum is (Quasi Judicial Machinery)

61) Which among to following is not right of customer as per COPRA act ( Giving criminal complaint on the service deficiency)

62) Which among the following conforms that the receiver is an active listener? (Ask question to understand the content)

63) In the following which is not the components of active listening?

64) Which is the following is not the duty of CEO of BCSBI?

65) Total number of members in Governing council of BCSBI?

66) The Change of charges if notified in 30 days, the customer is having option with in how many days to close/switch his account?

67) How many times an individual will get free credit report from CIBIL in a year ? (No free reports)

68) Time frame to give notice to the probable customers whose account to be converted to dormant/inoperative account ?

69) Notice of how many months is to be given when a branch is getting shut down where there is no branch of any bank.

70) When the usance bill is payable?

71) Nursing / restructuring of debts happen after how many days of NPA?

72) Which of the choices are not a post disbursement requirements bank do to MSE borrowers ? (Comparison with other units I guess is the answer)

73) Which is the primary distribution outlets for the banking services (Answer: Branches)

74) The ATM failed transaction beyond the stipulated waiting period of 7 days will have to be reimbursed to the customer by Onus settlement of (Card Issuing Bank, The bank whose ATM customer uses, None of these etc. )

75) Mr. X a recently current account opened customer issued with a cheque book initially. He is asked for 25 cheque books as he said some payments he need to give to group of people . What will be the course of action (Monitor the account for the issued cheque, how and what amount issued etc)

76) The time frame to rectify every breach in the code by BCSBI and reporting of the same (Ans: with in 7 days reporting and remedial action in 15 days )

77) Failure to submit the duly completed annual statement of annual compliance attracts fine not exceeding (Ans: Rs 1000/- per day )

78) Which of the following is the uses of CTS cheque clearing ( Ans: was all of these)