(For internal circulation only) VIKAS 2018 A Guide for PROMOTION TEST (Updated till December, 2017) STATE BANK LEARNING CENTRE BHUBANESWAR Jayadev Marg, Bhubaneswar - 751 014 Telephone : 0674-2430290/2433593 Fax : 0674-2435486 E-mail :
[email protected] VIKAS Fourth Edition : January 2018 Every effort has been made by the following trainers of the State Bank Learning Centre, Bhubaneswar to avoid errors or omissions in this publication. Any error or discrepancy noted may be brought to our notice (
[email protected]) which shall be taken care of in the subsequent editions. It is also suggested that to clarify any doubt colleagues should cross-check the facts, laws and contents of this publication with original Govt. / RBI / SBI notifications / circulars. Rabinarayan Pattanaik, Asst. General Manager (Training) - 7606000810 Barendra Rana, Manager (Training) - 9437147593 Patanjali Bibhupad Sahoo, Manager (Training) - 9437078593 Vijay Kumar Satapathy, Manager (Training) - 9437077593 Pradeep Kumar Tripathy, Manager (Training) - 9437352579 Panchanana Mukhopadhyaya, Manager (Training) - 9437063593 Loree Mohapatra, Manager (Training) - 9437044593 CONTENTS 1. ORGANISATIONAL STRUCTURE ... 1 2. HUMAN RESOURSE ... 6 3. GENERAL BANKING ... 13 4. ADVANCES GENERAL ... 38 5. LEGAL ASPECTS OF BANKING ... 60 6. KYC & AML ... 74 7. PER SEGMENT DEPOSITS ... 80 8. PER SEGMENT ADVANCES ... 98 9. SME ADVANCE ... 115 10. AGRICULTURAL ADVANCES ... 129 11. INTERNATIONAL BANKING ... 157 12. INFORMATION TECHNOLOGY, ... 185 ALTERNATE CHANNELS & IS SECURITY 13. GENERAL AWARENESS (BANKING & FINANCE) ... 213 14. RATIONALES ... 241 15. SITUATION ANALYSIS ... 247 16. ESSAY ... 278 17. PRACTICE QUESTIONS FOR FOR/AGANIST ... 316 *** ORGANISATIONAL STRUCTUE 1. On recommendations of Committee and through passing of an Act in parliament, Imperial Bank of India was renamed as State Bank of India on 1st July 1955.