RBI
Origin of RBI. Who is the current governor, whom did he replace?
RBI vs SEBI vs IRDA: Name of their main bosses, Who controls what? NBFCs, MFI, Gold Loans, ULIP, Mutual funds etc.
powers functions of RBI
How does RBI control the money supply?
Open market operations, MSF, liquidity adjustment facility
SLR, CRR, Repo, Reverse repo, bank rate
Priority sector lending: and its subsectors. How do they apply to Domestic bank vs foreign bank?
Currency chest, Mint and press. Who signs coins and currency?
Measures of money supply
Foreign exchange management, components of forex reserves, approx. forex under RBI. Powers under FERA/FEMA, Tarapore Committee on capital account convertibility
Banking regulation act and its recent amendment
Banking reform, Banking License, Narsimhan, BASEL.
@
Banks: Basics
What is bank? What are its functions? how is it different from an NBFC/NBFC-factor, Post-office savings, Chit Fund, Nidhi etc?
Types of banks: commercial banks, regional rural banks, cooperative banks, investment banks, development banks etc.
What is a Scheduled commercial bank?
Public sector versus private sector banks. Where does RTI apply?
IDBI, ICICI, IFCI, SIDBI, EXIM, NHB etc.
Bank nationalization, mergers and consolidations.
Names of chairman/CMD of big banks.
Basic GK related to banks: first commercial bank in India, first bank setup by Indians, origin of SBI/ICICI, subsidiaries of SBI, etc.
Banking services
Assets, liabilities and working capital of a bank.
Demand liabilities vs time liabilities
Banker's rights (lien). Know your customer (KYC) norms, Adhar Card enabled payment, Money laundering, Benami transections
Types of Bank customers and provisions related to them:Minor-Guardian, partnership firms
HUF and karta
NRI, PIO
joint account holders
Married Women
partnership firm accounts
public/private companies
trusts and cooperatives
Types of bank accounts and their features:current account, savings account
term deposit account, fixed deposit,
PPF, senior citizen's account
NRE-rupee account, FCNR account, RFC, EEFC, escrow account
Allied topic: post office savings account and National savings certificate
Unclaimed/dormant accounts, RBI provision for them, Death of customer, insolvent customer, liquidation, Garnishee orders
Types of negotiable instruments: bank draft, bank check, promissory note, warehouse receipt, Treasury bills etc.
Cheque:order/bearer/travel/bankers cheque
endorsement, cheque-crossing,
post-dated cheque, what if cheque-date is invalid (31st Feb) or holiday (2nd Oct)?
when Bank should not pay, cheque-dishonor (cheque-bouncing)
MICR, Cheque truncation, new CTS-system
Note refund rule, clan note-policy
demand drafts, telegraphic transfers, safe deposit lockers
ATM: PIN, HWAK, White Label ATM, third party ATM
Debit card, credit card, smart card
Mobile Banking, personal banking, tele-banking, corporate banking
Online banking:NEFT, RGTS, EFTS, Bankwire, E-commerce
networking among banks: INDONET, BankNET, RBINET, SWIFT, Point of Sale (POS) terminal
core-banking solutions
Electronic signature and Information Technology Act
Loansdifferent type of loan products,
Subprime lending
mortgage, reverse mortgage, collaterals, stamp duty on loan documents
lien, set-off
Priority sector lending: and its subsectors. How do they apply to Domestic bank vs Foreign bank?
bank guarantee, letters of credit
Banking Ombudman: powers functions, appeal structure and Consumer courts
Bancassurance, cross-selling, universal / narrow / retail banking
@
Rural banking
RBI vs NABARD
Rural infrastructure development fund (RIDF) and budget-2013 allocation for RIDF
financial inclusion and various government schemes associated with it (covered in my economic survey summaries, available on mrunal.org/economy)
regional rural banks, their amalgation
cooperative banks
micro-finance institutions (MFI)
primary agricultural credit Society
Banking correspondent agents (covered in my article)
lead bank scheme, local area banks, service area approach
Kisan credit card, interest subvention on crop-loans
@
Bad Loans
What is NPA?
Gross NPA versus net NPA
Asset classification under NPA (substandard/doubtful/loss)
Current figure of NPA? Which bank has highest NPA?
Capital adequacy norms, hypothecation
CIBIL and credit rating
SARFAESI Act and its recent amendment
asset reconstruction companies
Debt recovery tribunals.
Lok Adalats
Industrial sickness
Board for industrial and financial Reconstruction
@
International banking
Bretton Woods
World Bank
IMF: SDR, voting rights
Who are the Main boss of IMF, World Bank, ADB?
BASEL
bank for International settlement
Asian clearing union
Islamic Banking
ADR, GDR, IDR
SOURCE: R GUPTA BANKING BOOK
Books and Magazines and websites:- Pratiyogita darpan, BSC , www.gktoday.in, www.jagranjosh.com
All the Best
Avinash Shahi ( @avinashshahi )
PO - Bank of baroda
( Friends I wanna one thing from you guys. Just give your 100% percent. And achieve whatever you want. kahte hai life mein aage badhne ka sabse aasan tarika ye hota hai ke Kise aur ko aahge badhne ke liye help karna. 😃 😃 )
"For Everything You Have Missed, You Have Gained Something Else;And For Everything You Gain, You Lose Something Else.It is about Your Outlook Towards Life. You Can Either Regret or Rejoice."