Description
INDIAN OVERSES BANK SCALE-V DEPARTMENTAL EXAM GA RBI CIRCULAR FINANCE BANKING CBT
Promotion from Senior Management Grade Scale IV to Scale V :
An officer will be eligible to participate in the Promotion process from SMG Scale IV to SMG Scale V under Written Test Channel and Normal channel as per the following table:
| Criterion ► Promotion process channel ▼ | Minim um years of service in preceding scale | CAIIB Qualification on | Minimum Rural/Semi Urban Stint | Performance | Computer Literacy & Computer Knowledge Test(CLCKT) | Relaxation in minimum years of services in preceding scale, if any |
| Written Test Channel | 3 years | Mandatory | Min. 2 years Rural and Min. 1 years of SU stint OR 3 years Rural stint | Minimum 75% in FY 2022 and grade “B” or above in FY 2023 & FY2024 | CLCKT to be qualified | Not applicable |
| Normal Channel | 5 years | Not mandatory | Min. 2 years Rural and Min. 1 years of SU stint OR 3 years Rural stint | Minimum 60% in FY 2022 and grade “B” or above in FY 2023 & FY2024. | CLCKT to be qualified | 1 year for CAIIB qualified candidates |
- A minimum length of 12 years total service in the Bank. However, in case the officer joins at a Scale higher than JMG Scale I, the minimum service requirement as stated above would be reckoned from the level at which he/she enter the service. For example, if an officer enters at Scale II, the minimum length of service for promotion from SMG Scale IV to V will be 9 years instead of 12 years. However, experience of 5 years as an Officer in Branch subject to minimum 3 years as Branch Manager / In-charge Credit Processing Cell is mandatory, and
- He/she should have worked as an Officer in a Branch for at least 5 years subject to minimum 3 years as Branch Manager/Credit Processing Cell In-charge/RAC (CPAC) in charge (Scale IV officers who have not completed the Branch Manager stint/Credit Processing cell In-charge/CPAC in charge for Three years but are otherwise eligible for promotion to Scale V cadre can appear for promotions, provided such officers undertake to complete the residual Branch Manager stint immediately on being promoted to Scale V cadre), and
- In respect of Directly Recruited Officers in scale IV, criteria with respect to minimum 5 years Branch experience and 3 years of Branch Head/CPAC-RAC in- charge should be applicable considering service rendered in our Bank as well as previous organization also, and
- Qualified in an examination to test the proficiency in Computer Literacy & Computer Knowledge (CLCK). The Minimum qualifying marks in CLCK is 50%.
However, those who have already qualified in the test on Computer Literacy & Computer Knowledge Test in earlier examination / process need not appear again.
Important Topic |
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| RBI Circular |
NI act 1881
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TYPE OF CUSTOMERS
|
Negotiable Instrument Act
|
crossing of cheque
|
Legal aspects of banking |
Foreign Exchange
|
General & Practical Banking
|
Documentation
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| Break Evan Analysis |
Balance Sheet Analysis
|
Securitization and Reconstruction of Financial Assets & Enforcement of security Interest Act 2002
|
Non-Performing Advaces
|
INCO Terms ,UCP-600 and Letter Of Credits
|
Loans under Central Govt. Sponsored Scheme |
Loan & Advaes
|
Letter of Credit
|
NPA Concepts |
Foreign Exchange Basics
|
Foreign Currency Accounts of Customers |
Provisioning on NPA accounts |
Remittance and LRS
|
Electronic Payments
|
Willful Defaulters Sale of NPA, CERSAI , ARC |
IT Questions |
KYC Guidelines |
Restructuring of Loan Accounts Corporate Debt Restructuring |
Misc Customer Issues Banker-Customer Relationship |
Consumer Protection Act |
Balance Sheet Concepts and Classification OF Assets & Liabilites |
Nominations |
OMBUDSMAN |
Ratio Calculation –Liquidity Ratios |
Locker |
Fraud Reporting |
Ratio Calculation – Leverage Ratio Turnover Ratios |
TDS provisions |
Bank Notes |
Ratio Calculation – Profitability Ratios & Coverage Ratio |
Indian Currency/Bank Notes |
PAN and Statement Of Financial Transactions |
Ratio Calculation –Case Study |
INSURANCE AND PENSION SCHEMES |
Minor |
Customer Service Issues |
Companies |
Partnership |
Computer Literacy & Computer Knowledge (CLCK) |
Loan Policy |
HUF |
Other Priority sector loans |
Working capital limits |
Joint Accounts |
Lending Targets |
Types of loan securities and charges on loan securities |
Exposure Norms |
Micro ,Small & Medium Enterprises |
Documentation Stamp Duty Payment and Limitation Of Loan Documents |
Priority Sector |
Agriculture Loans within Priority Sector |
