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.

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)