RBI Grade-B Officer 2015-16 , Phase-I & II

RBI RBI Grade B
3062

Match the following :

Group A                                                  Group B

A. Chronic Poor                              1. Always Poor

B. Transient Poor                           2. Usually Poor

C. Non Poor                                   3. Churning Poor

                                                        4. Occasionally Poor

                                                        5. Never Poor

  • A-2, B-5, C-4
  • A-1, B-2, C-4
  • A-1, B-2, C-3
  • Aise questions to bilkul nhi aayengey :smiley:
  • A-2, B-4, C-5

0 voters

3063

Can anybody provide me the gist of latest world development report??

3064

RBI/2015-16/242
DBR.RRB.BC.No. 59/31.01.001/2015-16

November 19, 2015

All Regional Rural Banks

Dear Sir/Madam,

Internet Banking Facility for Customers of Regional Rural Banks

Presently, Regional Rural Banks (RRBs) are not permitted to provide internet banking facilities to their customers. With a view to enhancing customer service and taking into account demand for such services, it has been decided to allow RRBs to extend the facility of internet banking to their customers. The guidelines applicable to all the Regional Rural Banks are as follows:

I. Internet Banking (View only) facility

2. All RRBs which have implemented Core Banking Solution (CBS) and migrated to Internet Protocol Version 6 (IPv6) and complying with the guidelines prescribed in Annex-I to this circular may offer Internet Banking (View only) facility to their customers, without prior approval of RBI. In case, any service offered under 'view only' facility requires two-factor authentication or One Time Password (OTP), banks may adopt the security features prescribed in Annex II to this circular, as appropriate to such services.

3. The RRBs offering Internet Banking (View only) facility to their customers should ensure that the facility is strictly for non-transactional services such as balance enquiry, balance viewing, account statement download, request for supply of cheque books, etc. and no online fund-based transactions are allowed.

4. The RRBs have to report commencement of the service to the concerned Regional Office of RBI and NABARD within one month of operationalization of Internet Banking (View only) facility.

II. Internet Banking with Transactional facility

5. All RRBs which have implemented CBS and have also migrated to Internet Protocol Version 6 (IPv6) and fulfilling the following criteria may offer Internet Banking with transactional facility to their customers with prior approval of RBI:

  1. CRAR of not less than 10 per cent.
  2. Networth is Rs.100 crore or more as on March 31 of the immediate preceding financial year.
  3. Gross NPAs less than 7 % and Net NPAs not more than 3%
  4. The bank should have made a net profit in the immediate preceding financial year and overall, should have made net profit at least in three out of the preceding four financial years.
  5. It should not have defaulted in maintenance of CRR/SLR during the immediate preceding financial year.
  6. The bank has a track record of regulatory compliance and no monetary penalty has been imposed on the bank for violation of RBI directives/guidelines during the two financial years, preceding the year in which the application is made.
  7. It has sound internal control system which should be approved by a CISA qualified independent auditor.
  8. The bank should not have accumulated losses.

6. RRBs fulfilling the above-mentioned criteria will be allowed to extend Internet Banking with transactional facility provided they comply with the guidelines prescribed in Annex I and II to this circular. For this purpose, the intending RRB shall submit an application to the concerned Regional Office of RBI through NABARD with the following documents:

  1. A copy of the Board approved policy on internet banking along with a certificate from an independent auditor (CISA qualified) that the IT and IS policy requirements prescribed in RBI guidelines have been adhered to.
  2. An undertaking to inform RBI about any material change in the services/products offered by them.
  3. The business plan, cost and benefit analysis, operational arrangements like technology adopted, business partners, third party service providers and systems and control procedures that the bank proposes to adopt for managing risks.

7. The bank will report to the concerned Regional Office of RBI and NABARD every breach or failure of security systems and procedures and the latter, at its discretion, may decide to commission a special audit/inspection of such bank.

Yours faithfully,

(Sudha Damodar)
Chief General Manager

3065

Interview ke liye kitne shortlist honge? Out of these 2860 approx.... Please be as precise as possible

3066

http://prntscr.com/99m9rw

3067

OFF TOPIC

guys need some clarity : General Awareness with special reference to banking industry. what does this mean ?  no questions on sports, capitals currencies, politics, related ? only banking related ?

3068

How many here giving phase 2 are specialists in subject ( graduate and above)

  • degree in economics
  • degree in management
  • degree in finance
  • some other degree but had these subjects
  • never had these subjects in my degree
  • oops, i left one, degree in statistics

0 voters

3069

Are you repenting clearing phase 1?

  • Naah! I am loving it.
  • Doesn’t matter.
  • Oh Yes! Its getting too hot to handle

0 voters

3070

Silver lining in the cloud is, no one knows anything about the paper. All are doing tukkabazi. So ho sakta hai ki mera tukka chal jaye. More of a luck game now

#Feelinglucky.

3071

Any one has samples of Committee Reports,Draft proposals? Atleast what format need to be followed?

3072

I think in chennai phase 2 exam will be postponed..

3073

Ive those questions ppr of ragade though grt nhi but wo bolte he nothing is btr den smthng so anyways I was saying ki whether any one has already shared it? If not den let me knw here I'll share it

3074

Guys lemme me tell you sth if you have any material with you share it....if you have cheap mentality that if you share the material you have less marks .... Lemme tell you all material of upsc is available of all coaching by that logic all thosethose who are sharing are corrupt and all those who got the material should become IAS/IPS but this doesn't happen in reality. My advice to you is that sharing doesn't less your selection probability but it may increase as more people will share

All the best guys for your future endeavour

3075

In the context of governance, consider the following:

1. Encouraging Foreign Direct Investment inflows.

2. Privatization of higher educational Institutions.

3. Down - sizing of bureaucracy.

4. Selling / offloading the shares of Public Sector Undertakings.

Which of the above can be used as measures to control the fiscal deficit in India?

a.1, 2 and 3

b.2, 3 and 4

c.1, 2 and 4

d.3 and 4 only

3076

Here are few difficult questions from Risk management chapter. Let us solve them together. CAIIB ke hain yeh


http://www.guruji24.com/acwi_guru/resources/material/226FM-RECOLLECTED%20QUESTIONS%20okk-caiib.pdf

3077

Here is another one: 

http://www.iibf.org.in/documents/caiib_mcqsrmmodab_nov08.doc

I can solve majority of them but few are still bone of contention

3078

An increase in cash reserve ratio will cause yield curve to

(i) Shift downward 

(ii) Remain unchanged

(iii) Become steeper

(iv) Become flatter

3079

12% Government of India security is quoted at Rs.120. If interest rates go down by 1%, the market price of the security will be.....

(i) Rs. 120

(ii) Rs.133.3 

(iii) Rs. 109

(iv) Rs. 140

3080

1 day VaR of a portfolio is Rs.500,000 with 95% confidence level.  In a period of six months (125 working days) how many times the loss on the portfolio may exceed Rs.500,000 ?

(i) 4 days

(ii) 5 days

(iii) 6 days

(iv) 7 days

3081

Capital charge for credit risk requires input for PD, LGD, EAD and M.  Under advanced IRB approach, who provide the input for LGD.

(i) Bank

(ii) Supervisor

(iii) Function provided by BCBS

(iv) None of the above