IT security recollected on sep 2019

IT Security Certificate  recollected on Sep 2019

Some of the recalled questions/topics are as following...

2-3 questions on Escrow
Security governance
Cert in
Major change from it act to it amendment act
BC DRP steps
2 questions on firewall
RTO
RPO
CISO reports to whom
Who are responsible for IT security
Maker checker difference
Spyware
VoIP
Black/white box testing
Salami attack
ISMS
PDC and DRC
2 questions on fault tolerant systems
Disadvantage of check list audit
2-4 questions on physical security
ITAM 2 questions
What cant be disclosed under RTI act 2005
Schema
Modem
Green server
Telnet uses which port
2-3 questions on security standards
E wastes
2-3 questions related to software development
COBIT
Threat vector
DoS
SQL
Cross site scripting
Steganography
Cryptography
Beta testing
Multiplexers
CAPTCHA
Dual core processor

IT security recollected questions on oct:2019

IT SECURITY
***********
Giv priority to Technical terms...
***************
26.10.2019 MEMORY BASED RECOLLECTED QUESTIONS
Salomi technique

Accountability- biometric login wat d user has/knows/is

Access control
Access privilege

Maker checker principle

Ciso/cfo role

Anti piracy

Thteat/vulnerability/impact

RFID radio frequency identification

Perimeter security

3 most common metal detector

Fire extinguishers

E waste

BYOT/BYOD /work from home

Commonly used sever

Router/modem/switch/gateway

White box/black box testing

Alpha/beta testing

ISO certfctn standard specifctn

COBIT

STEGNOGRAPHY/RANSOMWARE/CYBER TERRORISM/SOCIAL ENGG

DOS/DDOS

CAPTCHA

MALWARE/SPYWARE/ADWARE/ROOTKIT/BOTNETS

FASTFLUX/STUXNET

HOTSITE/WARMSITE/COLDSITE

IS AUDIT QUALIFCTNS

GUIDELINES FOR FRAUD PREVENTION

FSDC

MSME recollected questions on 28.12.2019

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.

Forex for individual:; RECOLLECTED

Forex for individual:; RECOLLECTED



foreign exchange facilities for individual, 2Mark's Sebi route, converter debentures, sale of immovable property, FEMA violence, JV/WOS, ESOP With Ad NRO, FD I, Tire I Capital, NRI investment, 1 Mark's question Difference Between FCNR (B) and FCNR (A), death claim, LRS investment, Rout, FFMC, NRI/ PIO sale Property, FERA cancellation, ESOP/ FCNR, Director Investment, TT, FCA ODI, Premature withdrawal NRI deposit, 0.5 Mark's questions asked Telephone Cards, Emigration, RFC D, TC, MTTS, blank money, close relative NRI, EEFC crystalline etc







Question asked in foreign exchange facilities for individual, 2Mark's Sebi route, converter debentures, sale of immovable property, FEMA violence, JV/WOS, ESOP With Ad NRO, FD I, Tire I Capital, NRI investment, 1 Mark's question Difference Between FCNR (B) and FCNR (A), death claim, LRS investment, Rout, FFMC, NRI/ PIO sale Property, FERA cancellation, ESOP/ FCNR, Director Investment, TT, FCA ODI, Premature withdrawal NRI deposit, 0.5 Mark's questions asked Telephone Cards, Emigration, RFC D, TC, MTTS, blank money, close relative NRI, EEFC crystalline etc

Micro finance 70 recollected questions

 Micro finance 70 recollected questions

Q1.C.rungrajan committee on microfinance
Q2. Breath length and depth meaning.
Q3. Difference between poverty lending approach and financial system approach.
Q4. Microfinance focus on poorest of the poor.
Q5. Nabard and it's role.
Q6. Nationalization of banks and it's purpose.
Q7.IRDP programm substitute the SJGSY program.
Q8.what is facilitater and it's role.
Q9.what is GRT group recognition test and it's purpose.
Q10.one question on Money lenders.
Q11.break even analysis and CPV analysis 3 questions.
Q12.what is microcredit.
Q13.what is microfinance.
Q14. What is sustainability.
Q15 what is BRI bank Ryat Indonesia.
Q16 .what is unit diseas.
Q17.chikola group of Kenya is example of which model.
Q18.Difference between SHG and JLG model
Q19 detailed question on grameen bank model.
 Q20. What is SHG bank linkage model...

Q22. Assumptions of grameen bank model of Bangladesh.
 Q23.diffrence between direct cost indirectcost setupcost and cost of fund.
Q24 .capital=assets-liability.
Q25.for NBFC model minimum networth requires rs.5 crore.
Q26.malegam committee and its recommendation.
Q27.qualifying assets and its significance
Q28.what is most accepted and widely usedmodel of microfinance in india.
 Q29.what is ghostborrower or multiple lending.
Q30.details of BC model.
Q31.what is reckless lending.
Q32. Details of SHG2 model part2.
 Q33. What is refinancing.
Q34. National rural livelihood mission.
 Q35 .Swarn jayanti gramin Swarojgar yojna
Q 36.what is mutual fund.
 Q37. What is merchant banking.
Q38.details of Revolving Fund.
 Q39. Financial inclusion definition and scope.
Q40. What is kyc and it's purpose

Q41 .Illiterate person can open which type of exam.
Q42 .Difference between impact accessment and social performance.
Q43.what is social rating
Q44. What is minimalist and integrated approach.
Q45.what is micro Insurance.
 Q46. Role of SEBI.
 Q47.role of IRDA.
 Q48. What is cash flow statement
.Q49. What is flat rate of interest.
 Q50. What is travel expanses.
 Q51.what is operating expense Ratio.
 Q52. What is asset depricitation.
 Q53 what is accounting stanard 2
. Q54. What is average case load.
Q55. What is Target group.
Q56. What is PAR.
Q57. What is market risk.
Q58. What is bank rate.
Q59.what is reprising risk.
 Q60. What is riskmanagement loop

Q61 what is schedule and nonshedule bank.
Q62. What is human risk.
 Q63.what is operational risk.
Q64.what is merchant banker.
 Q65. What is trading in stock exchange.
 Q66.two questions on mutual fund.
Q67.three question on Break Even Analysis.
Q68. What is regulatory risk.
 Q 69.what is Repayment rate.
 Q70.trust and Trust feed and what NBFC banking Model and what is business Correspondent model (BC Model)...... these All are 70 Recollected Questions of microfinance held on 15 july 2018. best of luck to All 

Information system for bankers recollected questions on 12.01.2020

Information system for bankers dated 12.01.2019 Morning Batch (Recollected questions from Memory)
1. ________is the most important phase before rolling the solution to production (UAT)
2. The most important idea of DRP is ________ (No disruption to services)
3. Which of the following is example of STP? (NEFT/RTGS)
4. Meaning of Truncation in CTS?
5. The settlement is managed by RBI through __________ (CCIL)
6. UPI technology is introduced by ______________ (NPCI)
7. Which among the option is responsible to make changes centrally to interest rates, charges (NBO)
8. RTGS works in the principle of (FIFO)
9. Which among the given option is not component of AIS?
10. Which among the following is a Trojan Horse?
11. Meaning of data integrity ?
12. What is the meaning of Automated Data flow to regulator?
13. Meaning of common end state?
14. Who will report the frauds done by collusive merchants who use skimmed cards at POS terminal
15. Which feature given below throws ambiguity on where the police complaint to be filed in case of online frauds? (JURISDICTION)
16. The reporting of IS audit during the audit phase, and the progress is monitored by (Audit Department)
17. GASSP principlt is for (System Security)
18. Meaning of cache memory
19. DDOS affects which attribute of information system? (Availability)
20. Artificial Intelligence falls in which generation language? (Fifth Generation)
21. Meaning of Data manipulation
22. Normalisation explanation
23. Authentication meaning
24. Which among the following is broad category of SQL (Object Oriented language)
25. Which of the following is not a logical operator (EQUAL)
26. Delineation of scope is a sub component in which phase of SDLC? (Feasibility Study)
27. Characteristics  of program construction (Robustness, Reliability, Usability etc)
28. Parallel Implementation explanation
29. Functions of Modem
30. Multiplexing technique explanation
31. Star topology explanation
32. Attenuation meaning
33. Meaning of gateway component in network
34. Which layer in OSI model is responsible for End to end message delivery (transport layer)
35. Network layer features
36. How many layers are in TCP/IP protocol (4 layer)
37. Essential idea of BCP?
38. Critical System example
39. Payroll is example of (Batch Processing)
40. Real time processing meaning
41. Which among the following is minor threat (Disk crash)
42. First Step of Disaster Life Cycle? (Preparatory Procedures)
43. When do activity of Emergency response team starts (On or after the disaster occurrence)
44. Insurance after the Disaster is taken cared by (Salvage Team)
45. Mirror Site + Hot site is for (Critical System)
46. Which is the foundation of effective BCP (BIA & Risk Assessment)
47. Effectiveness of BCP is checked only through (Checking)
48. Recovery time of 8-24 hours is characteristic s of (warm Site)
49. UPS Characteristics (online & Offline UPS)
50. Defense in path meaning
51. Meaning of BUG
52. Which of the following is example of E money? (M PESA , BITCOIN, Credit card etc)
53. Full form of PPI
54. As a security measure RBI instructed which of the following (allow international facility in Debit & credit card as per written request)
55. INFINET works in (TCP/IP based network)
56. SFMS is in line of (SWIFT)
57. OECD guidelines, integration feature explanation
58. COBIT explanation
59. Computer offences are penalized by which act?
60. Examples of detective controls
61. IS Auditors responsibility
62. Which of the following key is not associated with Cryptography (Foreign Key)
63. As per the RBI guidelines the present cards are (EMV Chip & PIN Based)
64. Stream Cipher explanation
65. End to end Encryption
66. Meaning of false positive
67. Meaning of Tuning
68. IDS are placed in which layer?
69. Which of the following is best know in the family of ISO? (ISO/IEC 27001)
70. Responsibility of information owner
71. Steps in SDLC (Ordering the steps )
72. The attack which is prone in input validation technique (Brute Force)
73. Sniffing meaning
74. What type of model is used in CBS (Relationship table)
75. Mirroring technique

Financial needs of modern business enterprise (Working Capital)

Financial needs of modern business enterprise may be classified into two categories
(a) Fixed capital, and
(b) Working capital.
Modern Industries and capital intensive by nature and its Fixed Capital includes lands and building, Plant
and Machinery, and tools and implements.
The requirement of finance to purchase fixed capital is essentially long term in nature.
The working capital, short term in nature, is required to purchase raw materials and meet day to day
administrative and other such expenses.
There are various sources of finance for a modern industrial unit. These sources are of two types
(a) Internal sources and (b) External Sources
Internal sources include paid up capital in the form of share subscription, ploughing back of profits and
reserves.
The external sources include debenture issue, public deposits, loans from Commercial banks and other
specialized institutions.
Lending operation of the commercial banks to the Industrial Units and other Business Enterprises are
governed by the guidelines issued by the Reserve bank of India.
As mentioned above, Banks finance is largely divided into two categories , i.e Term Credit and working
capital.
Term Credit refers to the funds required for investment in fixed or permanent assets like land, building,
plants, machineries, other fixed assets etc,. Fixed Capital in the nature of Term Credit is required for the
establishment of business. Tem Credit facilities generally is allowed for longer term in nature.
Working Capital refers to the capital which is required to meet day to day expenses of the organization and
which is required to meet day to day expenses of the organization and which is employed in the current
assets like raw materials, debtors, bill-receivables etc. Thus working capital is required to utilize fixed
assets.
Working capital plays a very important role in business. It acts as a lubricant to run the wheels of fixed
assets. The effective provision and efficient utilization of working capital can lead to success of the
business.
Overview of Working Capital Assessment
Meaning of Working capital
Working capital is the amount of funds necessary to cover the cost of operating the business cycle of the
entrepreneur. This refers to the investment of the business unit in short term assets, cash, short term
securities, account receivables and inventories. It is the level of fund which a company must possess to
finance its day to day operation.
Definition: Working Capital, in banking perspective, is defined as:
❖ Funds required for acquisition of build up Current Assets generally for a period of one operating
cycle.
❖ Funds required for financing short term assets or Current Assets such as cash, Debtors and
inventories to enable business/industry to operate at the expected level.
❖ Funds required for meeting day-to-day operations like purchase of raw materials, spares & stores,
meeting manufacturing expenses like wages, power & fuel and storage & selling expenses of
finished goods etc. These expenses generally form part of Working capital or that capital of fund
which is required for keeping the wheels of production going on.
❖ Thus working capital represents the total funds required for running the operating cycle and
finance manufacturing, production and sales. Therefore it is called operating Capital or Short term
capital. Total funds required for the continuous operations of the business on a going basis.
❖ Financed as Cash Credit, Overdraft, Short Term Working Capital Loan etc,.
❖ Assessed for one year and renewed annually.
Basic Financial Concepts
1. Gross Working capital
2. Net Working Capital:
3. Working Capital Gap
A. Commercial Banks have traditionally been assessing working capital credit requirements on the
basis of the various components of chargeable assets held by a unit (i.e raw material, stocks in
process, finished goods , receivables, other current assets viz advance payments to suppliers
etc).
➢ Concept of Operating Cycle in working capital assessment
Assets which are part of the operating cycle or which get converted into cash within the operating
cycle or within one year are as:
1. Cash & Bank balance
2. Raw Material, Stock-in-Trade, Work in Progress (SIP), Stores & Spares, Finished goods.
3. Trade receivables ( Book Debts ,Sundry Debtors)
4. Advance Paid to suppliers of RM/Stock In Trade
5. Advances recoverable in cash or receivables
6. Balance with customs, Tax Authorities, port authorities, municipal authorities etc
7. Other current assets required in operations for manufacturing and trading process activity.
Operating Cycle Concept of Working Capital
The operating cycle concept of working capital envisages measurement of the average time taken by an
enterprise in manufacturing the goods and selling them for cash so that the funds can be deployed for
starting another batch of production. In other words, the operating cycle commences when cash is
initially injected into the system for purchase of the basic raw material components required for
production. The system completes one cycle when cash is realized out of the sale proceeds of finished
goods.
The process of manufacturing unit has to pass through the following stages to complete its operating
cycle.
(i) Conversion of cash into raw material –
(ii) Conversion of raw material into stock in process and to finished goods.
(iii) Conversion of finished goods into receivables/debtors or cash.
How to Measure Operating Cycle: The operating cycle is measured in terms of days of average
inventory need to be held for every major category of working capital components.
Computation of Important Concepts on the basis of Analysis of Financial Statements ( CMA)
Annual Consumption of Raw Material = Annual Purchases of Raw Material + Opening Stock of
Raw Material- Closing Stock of Raw Material.
Cost of production = Consumption of Raw Material ( Imported & Indigenous) + Consumables Spares
& Stores+ Power& Fuel+ Direct Labor+ Repairs & Maintenance+ Other manufacturing Expenses +
Depreciation+ Opening stock of SIP- Closing Stock of SIP.
Cost of production is treated as the denominator in computing the Holding Period in respect of stock
in process, while assessing working capital requirements of a manufacturing unit.
Cost of Sales (Cost of Goods Sold during an accounting year ) = Cost of production + Opening Stock of
Finished Goods- Closing Stock of Finished Goods. This is taken as denominator in the computation of
holding level of the stock of Finished Goods in the course of assessment of working capital
requirement.
Gross Sales: Gross Sales include excise component ( tax levied on manufacture of goods ).
There are various factors that need to be considered while accepting estimated Holding levels of
the various components of Working capital.
Though there are various methods used for assessing the quantum of Working
Capital Requirement for a Business Enterprise, the following are commonly used.
Broadly there are two types
(i) Balance Sheet Based (Working capital Cycle)
Under Balance Sheet Method comes, Traditional Method, Turnover method & PBS
(ii) Cash Budget Based