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State Bank Learning Centre (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. a) Gorawala b) Hilton Young Mission c) Kelkar d) Ranganathan 2. SBI's Registered Office & Central Accounts Office is in . a) Mumbai b) Kolkata c) New-Delhi d) Chennai 3. Corporate Head Chairman is supported in his functioning by MDs & DMDs. a) 2,16 b) 4,18 c) 4,14 d) 4,17 4. Find out which one is not a Business Groups that have been formed at Corporate Centre, Mumbai. a) National Banking Group b) Corporate Strategy & New Businesses c) Mid Corporate Group d) None of these 5. Who is the largest non promoter shareholder in SBI a) LIC b) Tata India Ltd c) IDBI d) ICICI 6. Which are not coming under the Strategic Business Unit of Corporate Accounts Group ? a) Project Finance & Leasing SBU b) Transaction Banking Unit c) Corporate Accounts Group d) SMEBU 7. Transaction Banking Unit has a special focus on a) Cash Management Product b) Trade Finance c) Supply Chain (Dealer/Vendor) Finance d) All of these 8. Mid Corporate Group (MCG) primarily caters to the banking needs of Mid Corporate, with a turnover of Rs. crore and . a) 50, 500 b) 100, 200 c) 20, 50 d) 40, 100 9. Gold Banking Business comes under . a) MCG b) CAG c) NBG d) IBG 10. Stressed Assets Management Group (SAMG), originally set up to take over all NPAs with outstanding of Rs. crore and above, has expanded its role to resolve all NPAs of Rs. crore. a) 5,1 b) 2,1 c) 10,5 d) 5,0.5 11. Customer Service Committee of the Board is headed by . a) DMD & CCRO b) CHAIRMAN c) DMD & CFO d) CGM 1 12. Zonal office been redesigned wef 01.11.2011 is the head of Zonal Office and his areas of supervisions are Business development, Supervision over branches, RBOs, CPCs, Credit & NPA Management, all reconciliation. a) DGM b) DGM (Business & Operation) c) DGM (Operation) d) None of these 13. PRESIDENT OF INDIA hold % share of SBI as on 31st March 2017. a) 51.58 b) 61.23 c) 58.60 d) 41.58 14. SBI General is a joint venture between SBI and a) IAG Australia b) GE Capital c) SBI Caps d) Society General 15. As AMFI is to Mutual Fund, C.I.F is to Life Insurance what is it for General Insurance? a) CIF b) Specified Person c) Agent d) Underwriter 16. SBI cards and Payment services Ltd is a joint venture with a) BNP Paribas b) GE Capital c) IAG Australia d) Indian Railway 17. SBI Life Insurance is a joint venture between the State Bank of India and . a) BNP Paribas Cardif b) GE Capital c) IAG Australia d) Society General 18. IN SBI General Insurance Company Ltd SBI owns % of the total capital and IAG the remaining %. a) 55,45 b) 75,25 c) 74,26 d) 56,44 19. Which of the following is not a BPR initiative ? a) RMPB b) Grahak Mitra c) RCPC d) IBCH 20. Grahak Miitra is positioned in________ area of the Branch. a) Customer Area b) Cash Department c) Employee Area d) SWO counter 21. There how many of circle of SBI in India. a) 11 b) 12 c) 13 d) 16 22. WBCC stands for ? a) West Bengal Circle Credit Committee b) World Bank Credit Committee c) Wholesale Banking Credit Committee d) Web Banking Circle Committee 23. In charge of IT at the Corporate Centre is . a) CGM (IT) b) GM (IT) c) DMD (IT) d) MD (IT, RISK, SUBSIDIARIES) 2 24. SBI has % share in SBI custodial services Pvt Ltd. a) 100% b) 85% c) 65% d) 75% 25. SBI Custodial Services Pvt Ltd is established in collaboration with a) Society General, France b) Banca America c) FNS, Australia d) Mc Kensy 26. Identify the Pillars of BPR a) Branch Redesign, Sales Forces b) Centralised Processing Centers c) Alternate Delivery Channels d) All of the above 27. Cross Selling Department is a part of Group at Corporate Level. a) NBG b) CAG c) RBU d) MCG 28. The Subsidiary launched by SBI for implementation of CSR is a) SBI Power b) SBI Services c) SBI Foundation d) None of the above 29. Corporate Accounts Group is headed by . a)GM b)CGM c)DMD d)MD 30. State Bank Mobi Cash has been launched by SBI under with the partnership ? a) Bharati Airtel b) BSNL c) Realiance Communications d) None of the above 31. Where is the corporate office of the State Bank Of India. a) Kolkata b) Mumbai c) Chennai d) Delhi 32. FIBU stand for a) Financial Institutions Business Unit b) Foreign Institutions Business Unit c) First Institution Business Unit d) Former Institution Business Unit 33. TAB banking facilities in introduced in bank in which year a) 2013 b) 2014 c) 2015 d) 2012 34. SBI launched a single window for investment of the following country and the single window is called a) China - China Source b) Japan - Japan Desk c) Myanmar - Myans Source d) None of the above 35. Which Banking group at Corporate Center deals with tech based product. a) National Banking Group b) Corporate Strategy & New Businesses c) Mid Corporate Group d) None of these 36. What is the share of SBI in Sbi cards and payment service system private limited. a) 50% b) 60% c) 70% d) 80% 3 37. What is the share of SBI in Sbi Life Insurance Private Limited (SBILIFE) a) 74% b) 64% c) 80% d) 100% 38. Imperial Bank of India was established in which year. a) 1806 b) 1921 c) 1855 d) 1905 39. Inspection & Management Audit department at Corporate center is headed by a)GM b)CGM c)DMD d)MD 40. FMC and Surveillance department at LHO is coming under direct supervision a) DGM & CFO b) DGM & CDO c) DGM & CCO d) DGM VIGILANCE 41. SBI Global Securities Private Limited (SBISG) is a joint venture between SBI and a) BNP Paribas b) GE Capital c) IAG Australia d) Societe Generale of France 42. SBI inaugurated first sbi INTOUCH branch on 01.01.2016 at which centre a) Cusrow Baug, Coloba, Mumbai b) Navi Mumbai c) Redfort, Delhi d) None of these 43. The DMD (Retail Strategy) at the Corporate Centre reports to a) Chairman b) MD NBG c) MD CBG d) None of these 44. The country's first state-of-art _ Currency Administration Branch* opened by SBI is christened as a) Cash factory b) Cash on wheels c) Cash at home d) Cash at door step 45. Where are the customer contact centres of the Bank located a) Delhi & Chandigarh b) Delhi & Mumbai c) Bangalore and Baroda d) Bangalore and Chennai 46. CENMAC (Central Office Management Committee) consists of a) Chairman, MDs and DMDs b) Chairman, MDs, DMDs, CGMs of all Circles c) Chairman, MDs d) None of theses 47. Who is heading ALCO at the Corporate Centre a) DMD (ALM Department) b) DMD & CFO at corporate Center. c) MD (Risk Management) d) None of these 48. The Statutory Auditors submit their report on the annual accounts of SBI to a) Corporate Centre b) The president of India c) RBI Governor d) None of these 4 49. Which is the New Strategic Business Unit (SBU) created under NBG ? a) Real Estate, and Housing Development b) Real Estate, Habitat and Housing Development c) PBU d) None of these 50. Who is the present Managing Director of Retail and Digital banking a) B. Sriram b) Praveen Kumar Gupta c) Dinesh Kumar Khara d) Smt. Manju Agarwal 51. Who is the present Managing Director of Stressed Asset Resolution Group a) B. Sriram b) Praveen Kumar Gupta c) Dinesh Kumar Khara d) Smt.Manju Agarwal 52. Who is the present Managing Director of IT, Subsidiaries and Risk a) B. Sriram b) Praveen Kumar Gupta c) Dinesh Kumar Khara d) Smt. Manju Agarwal 53. BPR is introduced as per the recommendations of which consultancy organization a) Rangarajan Committee b) Narasimham Committee c) Mckinsey & Co.
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