MARGADARSHINI A GUIDE FOR PROMOTION ASPIRANTS STATE BANK LEARNING CENTRE, SECUNDERABAD 1 MARGADARSHINI- A GUIDE FOR PROMOTION ASPIRANTS : BY TEAM SBLC SECUNDERABAD Dear Colleagues, I am happy to release the new in-house publication “MARGADARSHINI” – a guide for promotion aspirants” by State Bank Learning Centre, Secunderabad. The book will benefit the candidates who are aspiring for the ensuing promotions. I am sure that this book will enrich the knowledge of our Staff and will be helpful to those appearing in the coming promotional examinations. I compliment the entire team of SBLC, Secunderabad and all others associated with the publication of “MARGADARSHINI-2017”- a Guide for promotion aspirants. I wish you all the best in your endeavors. HARDAYAL PRASAD Chief General Manager Local Head Office TELANGANA CIRCLE DATE: 19.06.2017 2 MARGADARSHINI- A GUIDE FOR PROMOTION ASPIRANTS : BY TEAM SBLC SECUNDERABAD INDEX S.NO. TOPIC 1. EXAMINATION PATTERN 2. KYC,AML,CFT, FATCA & CRS ORG STRUCTURE, FINANCIAL RESULTS & POLICY 3. GUIDELINES 4 CBS & TECHNOLOGY 5 PER SEGMENT LIABILITY PRODUCTS 6. GENERAL BANKING-I 7. GENERAL BANKING-II 8. GENERAL BANKING-III 9. SME ASSETS 10. AGRICULTURE FINANCE 11. PERSONAL SEGMENT ASSETS 12. HOME LOAN VARIANTS 13. CROSS SELLING 14. INTERNATIONAL BANKING 15. PRE & POST SANCTION 16. NPA MANAGEMENT 17. TECHNOLOGY & NPA MANAGEMENT 3 MARGADARSHINI- A GUIDE FOR PROMOTION ASPIRANTS : BY TEAM SBLC SECUNDERABAD 18. GENERAL AWARENESS-I 19. GENERAL AWARENESS-II 20. GOVT BUSINESS 21. DESCRIPTIVE – COMPREHENSION 22. DATA INTERPRETITION 23. RATIONALES-I 24. RATIONALES-II 25. FOR AND AGAINST 26. CORRESPONDENCE 27. SITUATIONAL ANALYSIS 28 MOCK-TESTS 4 MARGADARSHINI- A GUIDE FOR PROMOTION ASPIRANTS : BY TEAM SBLC SECUNDERABAD EXAMINATION PATTERN STAFF:: AWARD WRITTEN TESTS FOR PROMOTION FROM CLERICAL CADRE TO JMGS-I UNDER TRAINEE OFFICER/ MERIT/NORMAL CUM SENIORITY CHANNEL:: TEST PATTERN (e-Circular: P&HRD. Sl. No. : 1119/2011 - 12Circular No. : CDO/P&HRD- IR/111/2011 – 12, March 19,2012. 5 MARGADARSHINI- A GUIDE FOR PROMOTION ASPIRANTS : BY TEAM SBLC SECUNDERABAD 6 MARGADARSHINI- A GUIDE FOR PROMOTION ASPIRANTS : BY TEAM SBLC SECUNDERABAD STAFF: OFFICERS PROBATIONARY / TRAINEE / JMGS-I OFFICERS CONFIRMATION / PLACEMENT IN JMGS-I / MMGS-II COMMON WRITTEN TEST – EXAMINATION PATTERN e-Circular P&HRD. Sl. No. : 623/2014 – 15 Circular No. : CDO/P&HRD-CM/35/2014 - 15 Monday,August 25,2014. 7 MARGADARSHINI- A GUIDE FOR PROMOTION ASPIRANTS : BY TEAM SBLC SECUNDERABAD STAFF: OFFICERS WRITTEN TESTS FOR PROMOTION TO MMGS-II/MMGS-III TEST PATTERN ( e-Circular P&HRD. Sl. No. : 20/2012 – 13 Circular No. : CDO/P&HRD- CM/1/2012 – 13, April 04,2012. 8 MARGADARSHINI- A GUIDE FOR PROMOTION ASPIRANTS : BY TEAM SBLC SECUNDERABAD 9 MARGADARSHINI- A GUIDE FOR PROMOTION ASPIRANTS : BY TEAM SBLC SECUNDERABAD KYC / AML /_CFT PREPARED 1 Which of the following document is not a Officially Valid Document a) PAN Card b) Passport c) Ration Card d) Aadhar Card 2 Money Laundering defined in which section of Prevention of Money Laundering Act, 2002. a) Section 3 of PMLA Act b) Section 4 of PMLA Act c) Section 6 of PMLA Act d) Section 12 of PMLA Act 3 Key elements of KYC/AML/CFT policy a) Customer Acceptance b) Customer Identification c) Monitoring & Risk Management d) All of these 4 Expand CIF a) Customer Information Folder b) Credit Intermediary Folder c) Customer Information File d) Credit Information File 5 What is the periodicity for updation of KYC under Medium risk category customers a) 1 Year b) 2 Year c) 4 Year d) 8 Year 6 What is the periodicity for updation of KYC under High risk category customers a) 1 Year b) 2 Year c) 4 Year d) 8 Year 7 Partial Freezing refers to : a) Allowing all credits only in the b) Allowing all credits and debits in accounts the accounts c) Allowing all debits only in the d) Disallowing all credits and accounts debits 8 What is the total time given to customers for submitting KYC documents, failing which bank can exercising the option of ―Partial Freezing of the account‖ a) 1 Month b) 3 Months c) 6 Months d) 9 Months 9 AML / CFT Day in the Bank is observed every year on a) 1st July b) 1st August c) 1st September d) 2nd November 10 KYC Compliance and Fraud Prevention Day is observed every year on a) 1st July b) 1st August c) 1st September d) 2nd November 11 Risk Awareness Day is observed every year on a) 1st July b) 1st August c) 1st September d) 2nd November 12 RBI reviews their KYC policy every year on a) 1st July b) 1st August c) 1st September d) 2nd November 13 All in-operative accounts are classified as a) Low Risk Accounts b) Medium Risk Accounts c) High Risk Accounts d) No specific classification 10 MARGADARSHINI- A GUIDE FOR PROMOTION ASPIRANTS : BY TEAM SBLC SECUNDERABAD 14 Trust accounts are classified as a) Low Risk Accounts b) Medium Risk Accounts c) High Risk Accounts d) No specific classification 15 Our Bank‘s KYC/AML cell is at a) Mumbai b) Kolkata c) Jaipur d) Chennai 16 Anti Money Laundering Cell of the Bank has been established under the control of a) CGM (New Business) b) CGM (Inspection & Audit) c) CGM (CAG) d) CGM (Banking Operations) 17 What is the threshold limit fixed for salaried persons a) 1 month salary b) 2 months salary c) 3 months salary d) 6 months salary 18 Utility Bill should not be more than _________ months old to be accepted as Proof of Residence a) 1 month salary b) 2 months salary c) 3 months salary d) 6 months salary 19 OVD stands for a) Official Valid Documents b) Officially Valid Documents c) Official Value Documents d) Officially Value Documents 20 OVD to be obtained as which _______ Rule of PML Amendment Rules 2013 a) Rule 6 b) Rule 7 c) Rule 8 d) Rule 9 21 KYC documents of ―Non Face to Face‖ NRI customers to be got certified from : a) Banker (Our Branches / Offices / b) Notary Public Officers of Correspondent Banks c) Indian Embassy d) Any one from above 22 Required documents for opening a ―Small Account‖ a) Aadhar Card b) ID card issued by State Government Official c) One self attested Photo and d) Ration Card Affixation of Signature or Thumb impression on Account Opening Form 23 Please expand O.C.I a) Oil Corporation of India b) Overseas Citizen of India c) Officially Categorized Individual d) Other Country Individual 24 Students with Pakistan nationality need to obtain prior approval for opening of their accounts from ________: a) Respective Bank‘s KYC/AML b) Ministry of Home Affairs, GOI department c) Reserve Bank of India d) Finance Ministry, GOI 25 Which business unit is identified for establishing New / Renewing the correspondence relationship with Co-Operative Banks a) PBBU b) SMEBU c) GBU d) ABU 11 MARGADARSHINI- A GUIDE FOR PROMOTION ASPIRANTS : BY TEAM SBLC SECUNDERABAD 26 Cash Transaction Report (CTR) is prepared for transactions of : a) Cash Deposits of Rs.10 lacs and b) Cash Withdrawals of Rs.10 lacs above and above c) Cash Withdrawals and deposits of d) Cash Deposits of Rs.10 lacs Rs.10 lacs and above and above 27 What is withholding tax? a) An adhoc tax on all inward/outward b) An adhoc tax on all remittances in US inward/outward remittances in India c) An adhoc tax on all inward/outward d) An adhoc tax on all remittances in US for FATCA inward/outward remittances in Compliant countries US for FATCA Non-Compliant countries 28 US Indicia is basically a) Search Text b) US Market Index c) US Index for India d) US India Agreement for FATCA 29 All Transactions of ―Cross Border Wire Transfer Transactions‖ of Rs.______ to be furnished to FIU-IND every month, if each a) Above Rs.1 lac b) Above Rs. 5 lac c) Above Rs.10 lacs d) Above Rs.100 lac 30 As per PML Act, any deficiency in filing the mandatory reports will attract penalty of ________ a) Rs.5,000 per day per instance b) Rs.10,000 per day per instance c) Rs.25,000 per day per instance d) Rs.50,000 per day per instance KEY TO ORGANISATIONAL STRUCTURE & POLICY GUIDLINES: Q 1 2 3 4 5 6 7 8 9 10 ANS C A D C D B A C D B Q 11 12 13 14 15 16 17 18 19 20 ANS C A B C C D C B B D Q 21 22 23 24 25 26 27 28 29 30 ANS D C B C B C D A B B 12 MARGADARSHINI- A GUIDE FOR PROMOTION ASPIRANTS : BY TEAM SBLC SECUNDERABAD ORGANISATION STRUCTURE, POLICY GUIDELINES & EFFICIENCY PARAMETERS 1 The following activities will not be undertaken by TFCPC:- a) Issue of Inland LC/BG b) Discounting of Export Bills c) Issue of Forex LC/BG d) Finance for trade 2 Corporate Centre is headed by a) Chief Vigilance Officer b) Chief Financial officer c) Chief Technological officer d) Chairman 3 Circles are headed by a) General Manager b) Chief General Manager c) Deputy Managing Director d) Deputy General Manager 4 Pillars of BPR branch Re-design a) Centralized Processing Centers b) Change in internal layout c) Delayering of decision making d) All the above. 5 National Banking Group Comprises of ______ branches a) Metro b) Urban c) 16 Circle d) All the above 6 Strategic Training Unit (STU) is headed by a) CGM (L&D) b) DMD c) CTO d) All the above 7 Chief Vigilance Officer (CVO) reports to a) MD & CCRO b) DMD & CFO c) Chairman d) DMD & CDO 8 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.