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RFIA, FI and CRM 2020 (SHINE) || Ensure your Elevation || State Bank Institute of Learning & Development Nungambakkam, Chennai 600 006 email:[email protected] FOREWORD Dear Colleagues, Greetings to you ! State Bank Institute of Learning & Development, Nungambakkam, headed by Shri. P. Arivalagan, AGM & Director, with the dedicated efforts of TEAM SBILD has bought out the updated must-read promotion booklet MILIR 2020 (Shine). The revised booklet will prove handy and useful to all talented prospects. This book will groom your prospect for career advancement and be the perfect choice for your progress. MILIR will provide an enlightening window to help promotion aspirants in their career success. This new edition covers all important topics like General Banking, Systems & Procedures, Digital Products, Liability & Asset Products of Retail, Agricultural and SME Segments. It also covers gist of RFIA, FI and CRM. It gives a complete and detailed understanding through MCQs, Rationales, For and Against, Situation Analysis etc., I am sure all role holders will feel Milir compatible and comfortable. I congratulate TEAM SBILD Nungambakkam for their painstaking efforts to collate and compile MILIR 2020, replete with important topics in relevance to our current exam pattern. Best wishes to all the readers ! P V RAMAPRASAD DEPUTY GENERAL MANAGER & CIRCLE DEVELOPMENT OFFICER LOCAL HEAD OFFICE CHENNAI 11th December 2019 SBILD Nungambakkam 1 PREFACE MILIR 2020 (SHINE) is an endeavor of Team SBILD Nungambakkam, a comprehensive compilation for the promotional aspirants with sensitive insights on all arenas of Banking. This book incorporates various Banking concepts in tandem with exam pattern. Milir helps you gain more confidence and the promotion you deserve. I place on record the efforts taken by TEAM SBILD to make the contents relevant, authentic and up to date after rigorous analysis. I am thankful for their unstinted co- operation in bringing out this updated version of MILIR 2020, on time. Any constructive comments and concrete suggestions may be e-mailed to [email protected] Wishing the aspirants all the very best for their upcoming examinations!! P ARIVALAGAN DIRECTOR 11th December 2019 SBILD Nungambakkam 2 INDEX EXAM PATTERN ....................................................................................................... 6 CLERICAL TO JMGS I .......................................................................................... 6 PROMOTION FROM JMGs I TO MMGS II ............................................................ 8 PROMOTION FROM MMGS II to MMGS III .......................................................... 9 STATE BANK OF INDIA ORGANISATIONAL SETUP ........................................... 10 FINANCIAL PERFORMANCE OF STATE BANK OF INDIA .................................. 12 GENERAL BANKING .............................................................................................. 13 KNOW YOUR CUSTOMER ..................................................................................... 19 LEGAL ISSUES ....................................................................................................... 23 SYSTEMS & PROCEDURES .................................................................................. 25 HANDLING OF CUSTOMER GRIEVANCES .......................................................... 29 PREVENTIVE VIGILANCE ...................................................................................... 32 FINANCIAL INCLUSION ......................................................................................... 35 RATIONALES ...................................................................................................... 38 FOR and AGAINST .............................................................................................. 40 PER SEGMENT - ASSET PRODUCTS ................................................................... 43 PERSONAL BANKING – 2 .................................................................................. 63 PERSONAL BANKING – 3 .................................................................................. 68 AGRICULTURAL BANKING ................................................................................... 74 AGRICULTURAL BANKING – 1.......................................................................... 74 AGRICULTURAL BANKING – 2.......................................................................... 80 AGRICULTURAL BANKING – 3.......................................................................... 85 AGRI RATIONALES ............................................................................................ 90 SME ASSET PRODUCTS ...................................................................................... 93 MSMED ACT ........................................................................................................ 93 SME DOCUMENTATION .................................................................................... 94 ARTISAN CREDIT CARD .................................................................................... 95 SME CREDIT CARD ............................................................................................ 95 SME SMART SCORE .......................................................................................... 97 SME CREDIT PLUS ............................................................................................. 99 SME COLLATERAL FREE LOAN ..................................................................... 101 OPEN TERM LOAN ........................................................................................... 102 CONSTRUCTION EQUIPMENT LOAN ............................................................. 103 FLEET FINANCE SCHEME ............................................................................... 105 SBILD Nungambakkam 3 SBI ASSET BACKED LOAN (ABL) ................................................................... 106 SBI ASSET BACKED LOAN FOR RESIDENTIAL HOUSING ( ABL- RH) ....... 107 SBI ASSET BACKED LOAN FOR (Commercial real estate) Commercial projects ( ABL- CRECP) .................................................................................. 108 CGTMSE ............................................................................................................ 109 WEAVER’S CREDIT CARD SCHEME .............................................................. 110 CAR LOAN TO SME UNITS ............................................................................. 111 BANK GUARANTEE & LETTERS OF CREDIT................................................ 113 ELECTRONIC VENDOR FINANCING SCHEME (EVFS) ................................ 113 CORPORATE LOAN .......................................................................................... 114 DOCTOR PLUS SCHEME ................................................................................. 115 SIMPLIFIED SMALL BUSINESS LOANS (SSBL) ............................................. 116 “MUDRA e-SMART SCORE ( Financing for e- tailers) ................................... 117 MUDRA LOAN ................................................................................................... 117 STANDUP INDIA ................................................................................................ 118 E- SME SMART LOAN ..................................................................................... 119 SME ASSIST ...................................................................................................... 120 ARTHIAS PLUS ................................................................................................. 120 SME LIABILITY PRODUCTS ................................................................................ 121 CURRENT ACCOUNT ....................................................................................... 121 POWER JYOTHI & POWER JYOTHI (PLUS) ................................................... 121 ARTHIA (Commission Agent) Current Account: ............................................ 122 RATIONALES .................................................................................................... 123 FOR AND AGAINST QUESTIONS .................................................................... 126 SME ASSET PRODUCTS .................................................................................. 128 LOAN POLICY GUIDELINES 2019-20 .................................................................. 133 PREAMBLE ....................................................................................................... 133 ORGANISATION OF BUSINESS ....................................................................... 133 GOVERNMENT BUSINESS .................................................................................. 143 TECHNOLOGY PRODUCTS ................................................................................. 148 ATM, CDM, ADWM, GCC, GRC ........................................................................ 148 RETAIL INTERNET BANKING .......................................................................... 154 CORPORATE INTERNET BANKING ................................................................ 157 DIGITAL BANKING ............................................................................................ 160 YOU ONLY NEED ONE (YONO) ....................................................................... 164 SBILD Nungambakkam 4 CKYCR, CRM, CEEP ......................................................................................... 168 RATIONALE ......................................................................................................
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