Internal Circulars of Bank Bank's Policies Bank's IT & Other Products / Finacle Financial Awareness
Udated Till ! "#/"$/%"#%
C&'T(A) *O'& CO++ITT&& ! AIOBOA B,OPA)
CENTRAL ZONE COMMITTEE ALL INDIA ORIENTAL BANK OFFICERS' ASSOCIATION (AFFILIATED TO AIBOA) C/O REGIONAL OFFICE, BHOPAL PHONE : 0755-2575331 ---------------------------------------------------------------------------------- Bhopal/2012/ 07-06-2012
Dear Comrades,
Banks promotion process is going to start and Examination is knocking at the door !he ne" aspirants are preparing hard to come o#t s#ccess$#l Central %one Committee is a"are a&o#t the heart thro&&ing preparation o$ the candidates' hence "ish to assist them in their preparation thro#gh this &ooklet containing n#mero#s possi&le (#estions $or the ens#ing )romotion !est !his &ooklet is prepared in accordance "ith the changed pattern o$ examination encompassing *eneral &anking, +!, ,ario#s existing and latest prod#cts o$ Bank, latest amendment/changes made a,aila&le thro#gh circ#lars relating to ad,ances, reco,er- and other prod#cts !he personal e$$orts o$ experts &- incorporating (#estions and ans"ers collected $rom ,ario#s so#rces, enrich the &ooklet, "hile ma- go a long "a- in &rining s#ccess to the candidates
.e hope &- going thro#gh the &ooklet, "hich is prepared scienti$icall-, methodicall- and excl#si,el- &ased on internal circ#lars / policies $or examination, s#ccess is &o#nd to come
0ope lies in h#man heart and i$ -o# are hoping $or the real s#ccess, this &ooklet shall ser,e -o#r p#rpose 0ard "ork, dedication and relentless e$$orts are the ke- to s#ccess 0ence p#t -o#r &est $oot $or"ard "hile preparing $or the test
.ith all good "ishes to the participating aspirants $or their s#re s#ccess
1o#rs comradel-,
Bal&ir 2ingh BC )a#nikar 2ecretar- )resident 9926642545 9425393868 OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 1
Important Bankn! In"#ator$
Base Rate 10.50% (w.e.f 14/05/2012) P L R 14.75 %(w.e.f 14/05/2012) Bank Rate 9.00% (w.e.f. 17/04/2012) Repo Rate 8.00% (w.e.f. 17/04/2012) Reverse Repo Rate 7.00% (w.e.f. 17/04/2012) C R R 4.75% (w.e.f. 10/0/2012) ! L R 24.00%(w.e.f. 18/12/2010) Fnan#a% R&$'%t$ o( t)& Bank "#$%res #n ` Crores
HI6HLI6HTS FOR .-++-+. 61e Bank was awar)e) t1e 78ost Cost ,ff#*#ent +perator9 at "0B(C:2011 or$an#;e) </ 0n)#an Banks (sso*#at#on (0B() = "e)erat#on of 0n)#an C1a-<er of Co--er*e = 0n)%str/ ("0CC0) (0st >a.f). 100% s/ste- )r#ven *.ass#f#*at#on an) prov#s#on#n$ of 5P(s. C(!( &epos#t stoo) at Rs. 4?'28 *rore $rowt1 of 10.19 % (3o3). C(!( &epos#ts to 6ota. &epos#ts at 24.1 %. Cre)#t &epos#t Rat#o at 72.'8%.
IMPORTANT RATIOS Prov#s#on Covera$e Rat#o at '1.52%. 5et 0nterest 8ar$#n (508) at 2.'8%. Ret%rn on (ssets (Ro() at 0.'7%. Cost to #n*o-e rat#o #s at 42.44%. Book @a.%e Per !1are at Rs. '1.20. CR(R of t1e Bank #s at 12.'9 % %n)er B(!,L:00 (6#er:0 Cap#ta.A 10.12%B 6#er C00 Cap#ta.A 2.57%).
DELI7ER8 CHANNELS Bank9s <ran*1 network stoo) at 1772 Bran*1es w#t1 19 eDtens#on *o%nters. 152 Bran*1es 1ave <een opene) )%r#n$ 3ear. Car) Base as on 1/0/2012 was 2.71 .a* (*ar) 1o.)ers).'.88 .a* *ar)s #ss%e) )%r#n$ /ear. 61e tota. n%-<er of (68s as on 1:0:12 stoo) at 1270 (#n*.%)#n$ 7 8o<#.e (68s? 1 offs#te (68s an) ' B#o-etr#* (68s). 4.4' .a* #nternet <ank#n$ %sers an) 24.81 .a* *%sto-ers ava#.#n$ !8! fa*#.#t/. 81.40% of e.#$#<.e *as1 transa*t#ons are 1appen#n$ t1ro%$1 (68s. Bank #s offer#n$ R64!? 5,"6? ,:6aD? 0<ank#n$ t1ro%$1 a.. !erv#*e +%t.ets.
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 2
NEW INITIATI7ES
61e Bank 1as .a%n*1e) +r#enta. Reverse 8ort$a$e !*1e-e. 61e Bank 1as operat#ona.#se) a 8o<#.e Bran*1 for Pa.wa. &#str#*t of >ar/ana. 61#s 8o<#.e Bran*1 #s prov#)#n$ Bank#n$ !erv#*es to t1e res#)ents of 9 (5#ne) a)Eo#n#n$ v#..a$es at t1e#r )oorsteps. 8o<#.e <ran*1 env#sa$es eDtens#on of Bank#n$ fa*#.#t#es t1ro%$1 a we.. e2%#ppe) van for prov#)#n$ Bank#n$ !erv#*es s%*1 as a**o%nt open#n$? transa*t#on fa*#.#t#es? re-#ttan*e fa*#.#t#es? a**ept#n$ .oan app.#*at#ons? et*. 61e Bank 1as .a%n*1e) F+R0,56(L B(5G 8,&0CL(08 P+L0C3H #n *o..a<orat#on w#t1 t1e +r#enta. 0ns%ran*e Co-pan/ Lt). for #ts *%sto-ers. 0t #s a "a-#./ f.oater !*1e-e *over#n$ 4 fa-#./ -e-<ers #n t1e a$e $ro%p of -ont1s to 79 /ears w#t1 0ns%ran*e *over ran$#n$ fro- Rs. 1 La* to Rs. 5 La*s. 61e Bank 1as .a%n*1e) a *o:<ran)e) Cre)#t Car) #n t1e na-e of !B0:+r#enta. Bank of Co--er*e Cre)#t Car) w1#*1 #s #n *o..a<orat#on w#t1 !B0 Car)s. 61e *ar) #s ava#.a<.e #n two var#ants : P.at#n%- an) 4o.) for *%sto-ers as we.. as staff of t1e Bank.
IT INITIATI7ES 0-p.e-entat#on of 25':<#t @er#!#$n ,Dten)e) @a.#)at#on (,@) !!L for BankIs we<s#te. 0-p.e-entat#on of ,:pa/-ent of @(6 for 8a1aras1tra !tate. 5R,4( !ea-.ess #nte$rat#on of transfer of 5R,4( f#.e 1av#n$ a**o%nts -a#nta#ne) </ <ran*1es of R+ Ja#p%r = !r#$an$a$anar (RaEast1an !tate) t1ro%$1 !"6P !erver an) !BBJ !erver on )a#./ <as#s aro%n) 9.00 (8 61e Bank 1as .a%n*1e) #ts "#rst ,:Lo<</ at 5e1r% P.a*e? 5ew &e.1#. 61#s !tate of (rt %n-anne) ,:Lo<</ prov#)es w#)e ran$#n$ 24D7 Bank#n$ fa*#.#t#es to #ts *%sto-ers on a se.f: serv#*e <as#s w1#*1 #n*.%)eA (.. (68 !erv#*es #n*.%)#n$ Cas1 K#t1)rawa.? Ba.an*e 0n2%#r/? 8#n# !tate-ent? P#n C1an$e? "%n)s 6ransfer? 0n*o-e 6aD Pa/-ent? C1e2%e !tat%s 0n2%#r/? !8! Re$#strat#on? !top Pa/-ent re2%est et* t1ro%$1 (68 </ t1e Bank9s own *%sto-ers as we.. as ot1er Bank C%sto-ers. &epos#t of C1e2%es an) &rafts t1ro%$1 t1e C1e2%e &epos#t 8a*1#ne t1ro%$1 w1#*1 a*know.e)$e-ent for )epos#t an) *op/ of *1e2%e w#.. <e ava#.a<.e to t1e *%sto-er. 0nternet Bank#n$ G#osk for %n)ertak#n$ 0nternet Bank#n$ transa*t#ons #n t1e ,: Lo<</. 0-p.e-ente) e:ten)er#n$ an) reverse a%*t#on pro*ess. 0-p.e-ente) 0ntra Bank 8o<#.e Pa/-ent !erv#*e w#t1 5PC0 w1#*1 fa*#.#tates #nstant "%n)s 6ransfer a*ross ot1er Banks. 0-p.e-ente) !8! a.erts? #n *o-p.#an*e of RB0 $%#)e.#nes w#t1 respe*t to p%tt#n$ t1e s/ste- of on.#ne a.erts for a.. t/pes of transa*t#ons #rrespe*t#ve of t1e a-o%nt? #nvo.v#n$ %sa$e of &e<#t *ar)s at var#o%s *1anne.s.
CSR INITIATI7ES (s a part of #ts Corporate !o*#a. Respons#<#.#t/? t1e Bank 1as set %p a 6r%st #n t1e na-e of 7+BC R%ra. &eve.op-ent 6r%st9 on 09.12.2005 for sett#n$ %p of R%ra. !e.f ,-p.o/-ent 6ra#n#n$ 0nst#t%tes (R!,60s). 61e 6r%st 1as set %p 0nst#t%tes #n f#ve &#str#*ts? v#;.? Ja#p%r? !r#$an$ana$ar? "ero;ep%r ?&e1ra)%n = Pa.wa.. !#n*e #n*ept#on? a tota. of 75 tra#n#n$ pro$ra--es 1ave <een *on)%*te) <enef#t#n$ 25848 *an)#)ates.
61e Bank 1as opene) 4 "#nan*#a. L#tera*/ = Cre)#t Co%nse..#n$ ("LCC) Centres #n Garna. an) Pa.wa. )#str#*ts of >ar/ana? !r#$an$ana$ar #n RaEast1an = "ero;p%r #n P%nEa<. ( tota. of 1418 persons were *o%nse..e) #n t1ese "LCCs? o%t of w1#*1 91 *ases were referre) for )e<t restr%*t%r#n$.
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 3
FINANCIAL INCLUSION 6ota. n%-<er of 5+ "R0LL! (**o%nts 21?5?299 as on 1:0:2012 w#t1 an o%tstan)#n$ <a.an*e of Rs. 427.29 *rore . 5'9 v#..a$es 1ave <een a..otte) to t1e Bank w#t1 pop%.at#on of -ore t1an 2000? a.. of t1e- (492 @#..a$es t1ro%$1 BC 8o)e. = 2 @#..a$es t1ro%$1 Bran*1 -o)e. an) 54 t1ro%$1 8o<#.e Bran*1 8o)e.) 1ave <een *overe). ?5?08 >o%se1o.)s 1ave <een enro..e). 1?59?207 B#o-etr#* Car)s 1ave <een a*t#vate) t#.. 1:0:2012 an) ?02?289 transa*t#ons -a)e.
PRIORIT8 SECTOR P! ()van*es $rew </ 1.'8% to Rs.40?527 Crore. ($r# ()v. Rs.15?411/: *rore. 6ota. 5o. of GCCs 4?22?'11 as on 1::12 w#t1 an a-t. of Rs.875' Crore.
MEDIUM TERM BUSINESS PLAN FOR .-+--+* (tta#n#n$ <%s#ness -#D of ` 4?00?000 *rores </ 201. +pen#n$ 500 new <ran*1es #n t1e neDt t1ree /ears 0n*rease C(!( .eve. to 0% of tota. )epos#ts 0n*reas#n$ C%sto-er <ase to 29.40 -#..#on </ 201 0n*reas#n$ .en)#n$ to )#re*t a$r#*%.t%re to 1.50% of (5BC </ 201 !tepp#n$ %p Prov#s#on Covera$e Rat#o to 90%.
IMPORTANT POINTS FROM BAN9:S CIRCULARS ;La$t +. Mont)$<
1. RT6S, NEFT C)ar!&$ ;#r CS=P,+-,+.-+*,++4 "t .3-3-+.) Part#*%.ar @a.%e Ban) C1ar$es per tDn Rs. 2 La* to 5 La* Rs.25/: RT6S (<ove Rs.5 .a* Rs.50/: %pto Rs.1 .a* "ree (50L) (<ove Rs.1.00 La* to Rs.2.00 La* Rs.10/: NEFT (<ove Rs.2.00 La* Rs.25 .5 An>?)&r& Bran#) Bankn! ;ABB< C)ar!&$< ;#r no5 HO,CS=P,+-,+.-+*,++4 "t5 .3-3-+.< Fa#%t> Amo'nt C)ar!&$ "or sav#n$s Bank (/*s "ree "or C/(? +& an) CC (/*s %p to Rs Rs.50000/: "ree ;For Ca$) Wt)"ra?a% p&r "a> on%>< ;Ma@ #&%%n! %mt amt5 +5-- %a#, "a>, #'$tom&r< Not& - ?t)"ra?a% A&>on" R$5+ %a# at non par&nt Aran#) $ a%%o?&" ?t) pror approBa% o( #omp&t&nt a't)ort>< "or C/(? +& an) CC (/Cs a<ove Rs.50000 to 100000/:
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012)
CURRENT TRENDS IN FINANCIAL SECTOR , 6EN5 AWARENESS
1. Invisible export means export of (A) Services (Answer) (B) Prohibited goods (C) Unrecorded goods (D) oods thro!gh sm!ggling
". In the la# of demand$ the statement %other things remain constant& means (') Income of cons!mer sho!ld not change (B) Prices of other goods sho!ld not change (C) (aste of cons!mer sho!ld not change (D) All of the above ()nl* demand varies #ith respect to variation in price) (Answer)
+. ' firm is in e,!ilibri!m #hen its (') -arginal cost e,!als the marginal reven!e (Answer) (B) (otal cost is minim!m (C) (otal reven!e is maxim!m (D) 'verage reven!e and marginal reven!e are e,!al
.. (he /orld (rade )rganisation (/()) #as earlier 0no#n as (A) GATT (Answer) (B) U1IC23 (C) U1C('D (D) 3') 4. (he difference bet#een visible exports and visible imports is defined as (A) Balance of trade (Answer) (B) Balance of pa*ment (C) Balanced terms of trade (D) Coins from trade
5. (he o!tcome of deval!ation of c!rrenc* is (A) Increased export and improvement in balance of payment (Answer) (B) Increased export and foreign reserve deficienc* (C) Increased import and improvement in balance of pa*ment (D) Increased export and import
6. In India$ %7ello# 8evol!tion& is associated #ith (') Prod!ction of padd* (B) Prodction of oilseeds (Answer) (C) Prod!ction of tea (D) Prod!ction of flo#er 9. (he common c!rrenc* #hich has been introd!ced among members of 2!ropean 2conomic Comm!nit* (22C) is 0no#n as (') 2!ro po!nd (B) !ro (Answer) (C) 2!ro Dollar (D) 1one of these :. /hich of the follo#ing organi;ation < agencies recentl* iss!ed g!idelines for fair practices code for non=ban0ingfinance companies > (') ?2BI (B) 1'B'8D (C) Central Board of Direct (axes (D) "eserve Ban# of India (Answer) 1@. 's per the ne# g!idelines iss!ed b* the ?2BI$ m!t!al f!nds are no# allo#ed to invest in #hich of the follo#ing sectors > (') ?ervice sector (B) "eal estate (Answer) (C) -an!fact!ring sector (D) I( sector (2) 1one of these
11. /hen decimal method #as introd!ced in the Indian monetar* s*stem > (') 1:4@ (B) 1:4. ($) %&'((Answer) (D) 1:5@
1+. ' larger part of the fiscal deficit in the !nion b!dgets is filled b* (') (ax reven!e (B) Domestic borrowin*(Answer) (C) 3oreign borro#ing (D) Printing paper c!rrenc*
1.. %B?2 ?ensex& is an index to meas!re !ps and do#ns in the share mar0et. (he n!mber of companies covered !nde the index are (A) +,(Answer) (B) 4@ (C) 1@@ (D) 14@
14. %resham&s la#& in economics relates to (') ?!ppl* and demand (B) $irclation of crrency(Answer) (C) Cons!mption of s!ppl* (D) Distrib!tion of goods and services
15. /hich one of the follo#ing sets of so!rces of reven!e belongs to the !nion government alone > (') ift tax$ Aolding tax (B) ?ales tax$ Income tax ($) $stom dties- $orporation tax(Answer) (D) /ealth tax$ Band reven!e
16. Under the 1ational 8!ral 2mplo*ment !arantee ?cheme$ n!mber of da*s for #hich emplo*ment g!arantee d!ring one *ear has been given is (') :@ da*s (B) %,, days (Answer) (C) 1"@ da*s (D) 19@ da OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 10
19. ' mixed econom* #or0s primaril* thro!gh the (') -ar0et mechanism (B) Central allocative machiner* ($) .ar#et mechanism re*lated by *overnment policy (D) -ar0et mechanism g!ided b* government participation and planning 1:. 3ree trade polic* refers to a polic* #here there is (A) Absence of tariff(Answer) (B) 8estriction on the movement of goods (C) 2xistence of anti=d!mping polic* (D) 2nco!ragement for balanced gro#th "@. /hen a large n!mber of investors in a co!ntr* transfer their investments else#here beca!se of dist!rbed econom conditions$ it is called (') (ransfer of capital (B) 2scape of capital (C) )!tflo# of capital (D) )li*ht of capital(Answer) "1. olden Aandsha0e ?cheme is associated #ith (') Inviting foreign companies (B) Private investment in p!blic enterprises (C) 2stablishing Coint=enterprises (D) /olntary retirement(Answer) "". 'ccording to the ?.D. ?harma panel$ #hich of the follo#ing doc!ments sho!ld be revalidated after a certain period so that it cannot be mis!sed b* the people (A) PA0 $ard(Answer) (B) Credit Card
(C) Driving Bicence (D) ID Cards iss!ed b* the election commission (2) 1one of these "+. Inflation occ!rs #hen aggregate s!ppl* is (') -ore than aggregate demand (B) 1ess than a**re*ate demand(Answer) (C) 2,!al to aggregate demand (D) 1one of the above ".. (he mid=da* meal scheme is la!nched b* the Union -inistr* of (') Aome 'ffairs (B) ?ocial /elfare ($) 2man "esorce Development(Answer) (D) 8!ral Development (2) 1one of these "4. (he s!bCect matter of the recentl* p!blished report of Del0ar Committee is (') 'gric!lt!ral debt (B) ?hare mar0et scam ($) Tax system of India(Answer) (D) 3oreign trade "5.%C'P'8(& is engaged primaril* #ith #hich one of the follo#ing in India > (') e=governance (B) ?hare=mar0et ($) "ral development(Answer) (D) Poll!tion control "6. 't present the 1ational commission on pop!lation is !nder (') Planning Commission (B) -inistr* of A!man 8eso!rce Development (C) Cabinet ?ecretariat (D) .inistry of 2ealth(Answer)
"9. Decline in the price of goods and services is technicall 0no#n as (A) Deflation(Answer) (B) Inflation (C) 1egative gro#th (D) Disco!nt *ield ":. %Bl!e 8evol!tion& is related to (') ?pace 8esearch (B) )isheries(Answer) (C) Drin0ing /ater (D) Po!ltr* +@. Index E8esidexF is associated #ith (') ?hare Prices (B) -!t!al 3!nd Prices (C) Price Inflation Index (D) 1and Prices(Answer)
+1. 2thanol mixed petrol is being sold in vario!s states #.e Gan!ar* 1$ "@@+. (he percentage of ethanol in petrol is (') 1@H (B) 6H (C) 5H (D) 4I4H (!) '3(Answer)
+". /hich one of the follo#ing is the correct se,!ence in th decreasing order of contrib!tion of different sectors to the ross Domestic Prod!ct of India > (A) Services4Indstry4A*ricltre(Answer) (B) ?ervicesJ'gric!lt!reJInd!str* (C) Ind!str*J?ervicesJ'gric!lt!re (D) Ind!str*J'gric!lt!reJ?ervices ++. Ao# man* models of %1ano& car are being made availa initiall* > (') @. (B) ,+(Answer) (C) @" (D) @1 +.. /hich of the follo#ing co!ntries has the largest stoc0 o foreign exchange reserves in the #orld > (') U?' (B) $hina(Answer) (C) Gapan (D) India (2) 1one of these +4. /hich one of the follo#ing is not an obCective of fiscal polic* of Indian government > (') 3!ll emplo*ment (B) Price stabilit* ($) "e*lation of inter5state trade(Answer) (D) 2,!itable distrib!tion of #ealth and income +5. /ho form!lates the monetar* polic* in India > (') ?2BI (B) "BI(Answer) (C) 3inance -inistr* (D) Planning Commission OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 11
61e )!)%!)t$ o( t)& n&? tra"& po%#> are as fo..owsA
61e Ln#on 4overn-ent of 0n)#a on 5 J%ne 2012 anno%n*e) a new trade policya#-e) at a*1#ev#n$ 20 per *ent #n*rease #n eDports to '0 <#..#on )o..ar #n t1e f#s*a. /ear 2012:1. 0n)#aIs eDports rew </ 21 per *ent an) to%*1e) 0.7 <#..#on )o..ar #n 2011:12? w1#.e t1e tra)e )ef#*#t )%r#n$ t1e sa-e per#o) eDpan)e) to 185 <#..#on )o..ar. R 4overn-ent set t1e eDport tar$et for 2012:1 at 20 per *ent R 2 per *ent #nterest s%<s#)/ s*1e-e eDten)e) t#.. 8ar*1 201 R 4overn-ent to anno%n*e new $%#)e.#nes to pro-ote !,Ss R 0n*ent#ves for eDports fro- nort1:eastern states R !1#p-ents fro- &e.1#? 8%-<a# t1ro%$1 post? *o%r#er or e:*o--er*e to $et eDport <enef#ts R "ore#$n 6ra)e Po.#*/ )o*%-ent to <e -ore %ser fr#en)./ R 1 s1ows a<roa) to pro-ote Bran) 0n)#a R !#n$.e revo.v#n$ <ank $%arantee for )#fferent eDport )ea.s R !even new -arkets a))e) to "o*%s 8arket !*1e-e R 8arket .#nke) fo*%s pro)%*t s*1e-e eDten)e) t#.. 8ar*1I1 for appare. eDport to L!( an) ,L TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT (**or)#n$ to t1e )ata re.ease) </ t1e Reserve Bank of 0n)#a (RB0) on 2 J%ne 2012? 0n)#a9s fore#$n eD*1an$e reserve p.%--ete) </ 1.74 <#..#on )o..ar to 290 <#..#on )o..ar for t1e week en)e) 25 8a/ 2012. 61e RB0 )ata )#sp.a/e) a s1arp )e*.#ne #n t1e *o%ntr/9s foreD reserves for t1e fo%rt1 *onse*%t#ve week. 61e foreD reserves 1a) )roppe) </ 1.80 <#..#on )o..ar? 1.7 <#..#on )o..ar an) 2.18 <#..#on )o..ar? respe*t#ve./? #n t1e prev#o%s t1ree weeks. 61e )rop #n foreD reserve #s .ar$e./ )%e to sa.e of )o..ar </ t1e *entra. <ank to )efen) *ons#stent./ fa..#n$ r%pee. 61e 0n)#an r%pee p.%n$e) to a re*or) .ow #n re*ent weeks an) stoo) 55.54 a$a#nst a )o..ar on 1 J%ne 2012. 61e r%pee fa.. for t1e n#ne *onse*%t#ve weeks #s t1e .on$est .os#n$ streak s#n*e t1e 2008 e*ono-#* *r#s#s. RB0 1a) reporte)./ so.) )o..ars to arrest t1e f%rt1er fa.. of 0n)#an r%pee. 61e va.%e of $o.) reserves of t1e *o%ntr/ for t1e week en)e) 25 8a/ 2012 re-a#ne) %n-ove) at 2'.'1 <#..#on )o..ar. TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT (**or)#n$ to )ata re.ease) </ 8#n#str/ of !tat#st#*s of 0n)#a on 1 J%ne 2012? B#1ar e-er$e) as t1e state w#t1 1#$1est e*ono-#* $rowt1 rate #n t1e *o%ntr/. 61e state w1#*1 %nt#. re*ent./ was s/non/-o%s w#t1 povert/? re*or)e) an #-press#ve 1.1 per *ent $rowt1 #n 2011:12. B#1ar toppe) t1e .#st for se*on) *onse*%t#ve /ear. 61e state9s e*ono-/ even s%rpasse) t1e P%nEa< on t1e <a*k of fo%r /ears of )o%<.e:)#$#t $rowt1. 61e state was *.ose./ fo..owe) </ &e.1# an) P%)%*1err/. C11att#s$a)1 an) 4oa were t1e ot1er two states #n t1e .#st of top f#ve states. 6a-#. 5a)% an) 4%Earat? t1e two 1#$1./ #n)%str#a.#;e) states re$#stere) t1e $rowt1 of 9.4 per *ent an) 9.1 per *ent respe*t#ve./ #n t1e f#s*a. /ear 2011: 12. P%nEa<? .ea)#n$ foo) $ra#n pro)%*#n$ state of 0n)#a? (n)1ra Pra)es1 an) Garnataka? <ot1 t1e 1eart of t1e 06 se*tor of t1e *o%ntr/? an) Lttar Pra)es1? t1e *o%ntr/Is -ost pop%.o%s state? re$#stere) $rowt1 of '.5% #n 2011:12? .ower t1an 0n)#aIs 4&P $rowt1.
(**or)#n$ to )ata re.ease) </ t1e Co--er*e 8#n#str/ #n 5ew &e.1# on 1 J%ne 2012 0n)#aIs eDports re$#stere) a $rowt1 of .2 per *ent on /ear:on:/ear <as#s to 24.4 <#..#on )o..ar #n (pr#. 2012. ,Dports f#$%re #n (pr#. 2011 stoo) at 2.' <#..#on )o..ar. 61e s.%-p#n$ eDport f#$%res are .ar$e./ attr#<%te) to t1e s.ow#n$ $.o<a. )e-an) of $oo)s. 0-ports )%r#n$ t1e sa-e per#o) w#tnesse) a $rowt1 of .8 per *ent to 7.9 <#..#on )o..ar? *reat#n$ a tra)e )ef#*#t of 1.4 <#..#on )o..ar. 0n (pr#. 2012? t1e *o%ntr/Is o#. #-ports $rew a<o%t 7 per *ent to 1.9 <#..#on )o..ar *o-pare) to t1e sa-e per#o) #n 2011. 5on:o#. #-ports eDpan)e) 2 per *ent on /ear:on:/ear <as#s to 24 <#..#on )o..ar )%r#n$ (pr#. t1e f#rst -ont1 of f#s*a. /ear 2012:1. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 12
+n an ann%a. <as#s 0n)#an eDports eDpan)e) 21 per *ent to 0.7 <#..#on )o..ar #n t1e f#s*a. /ear 2011:12. 61e #-ports )%r#n$ t1e sa-e per#o) $rew 2.2 per *ent to 488.' <#..#on )o..ar. 61e tra)e )ef#*#t for t1e f%.. f#s*a. /ear was 184.9 <#..#on )o..ar. ( 1#$1er tra)e )ef#*#t w#.. 1ave an a)verse #-pa*t over a.rea)/ a#.#n$ 0n)#an e*ono-/. 61e <roa)en#n$ tra)e )ef#*#t *o%.) worsen t1e *%rrent a**o%nt <a.an*e of t1e *o%ntr/ an) f%rt1er weaken t1e r%pee.
61e $ross )o-est#* pro)%*t (4&P) )ata re.ease) </ t1e Centra. !tat#st#*a. +r$an#sat#on (C!+)? 1a) *appe) t1e 4&P $rowt1 rate of 0n)#a #n 2011:12 at '.5 per *ent? as a$a#nst t1e ear.#er est#-ate of '.9 per *ent. (**or)#n$ to t1e re*ent )ata re.ease) </ t1e Centra. !tat#st#*a. +r$an#sat#on 0n)#a9s e*ono-#* $rowt1 rate p.%n$e) to 5. per *ent #n t1e Jan%ar/:8ar*1 2%arter of 2011:12. 61e f#$%re #s .owest #n t1e past 9 /ears. 61e 4ross )o-est#* pro)%*t (4&P) $rowt1 )%r#n$ t1e *orrespon)#n$ per#o) of 2010:11 was 9.2 per *ent. 61e )epress#n$ f#$%re of e*ono-#* $rowt1 #s .ar$e./ attr#<%te) to poor perfor-an*e of t1e -an%fa*t%r#n$ an) a$r#*%.t%re se*tors. 61e overa.. 4&P #n 2011:12 a.so *a-e )own to '.5 per *ent fro- 8.4 per *ent #n t1e 2010:11. 61e -an%fa*t%r#n$ se*tor s1owe) a s1arp./ *ontra*te) $rowt1 )%r#n$ t1e 2%arter en)#n$ 1 8ar*1 2012 as t1e $rowt1 f#$%re *a-e )own to 0. per *ent fro- 7. per *ent )%r#n$ t1e sa-e per#o) of 2010:11. ($r#*%.t%re se*tor a.so $rew #n s#-#.ar fas1#on an) w#tnesse) a $rowt1 of E%st 1.7 per *ent )%r#n$ t1e .ast 2%arter? *o-pare) to 7.5 per *ent )%r#n$ t1e sa-e per#o) of 2010:11. 61e serv#*es se*tor re$#stere) 1#$1est $rowt1 rate? an) re-a#ne) %n*1an$e) at 10 per *ent #n t1e fo%rt1 2%arter en)e) 8ar*1 2012. 4oa toppe) t1e .#st of t1e states w#t1 1#$1est per *ap#ta #n*o-e #n t1e *o%ntr/ w#t1 a tota. per *ap#ta #n*o-e of 192'52 r%pees. &e.1# w#t1 a tota. per *ap#ta #n*o-e of 1.75 .ak1 r%pees #n 2011:12 se*%re) se*on) spot #n t1e .#st? fo..owe) </ >ar/ana w#t1 per *ap#ta #n*o-e of 109227 r%pees. 61e nat#ona. avera$e was est#-ate) at 8005 r%pees #n 2011:12 a$a#nst 599 r%pees #n 2010:11. 61e est#-ates K,R, prepare) as per -et1o)o.o$/ pres*r#<e) </ t1e Centra. !tat#st#*a. +r$an#sat#on on t1e <as#s of prov#s#ona. )ata prov#)e) </ #t an) ot1er $overn-ent so%r*es. 61e Reserve Bank of 0n)#a on 2 8a/ 2012 p%<.#s1e) $%#)e.#nes for #-p.e-entat#on of t1e new $.o<a. *ap#ta. a)e2%a*/ nor-s? *a..e) Base. 000? </ 8ar*1 2018. 0n)#an <anks w#.. 1ave to -a#nta#n 6#er 0 *ap#ta.? or *ore *ap#ta.? of at .east 7 per *ent of t1e#r r#sk we#$1te) assets on an on$o#n$ <as#s. 61e o<Ee*t#ve #s to stren$t1en r#sk -ana$e-ent -e*1an#s-. (s per t1e $%#)e.#nes spe*#f#e) </ t1e *entra. <ank? *o--er*#a. <anks w#.. 1ave to -a#nta#n t1e#r tota. *ap#ta. a)e2%a*/ rat#o at 9 per*ent? 1#$1er t1an t1e -#n#-%- re*o--en)e) re2%#re-ent of 8 per*ent %n)er t1e Base. 000 nor-s.
0t was )e*#)e) t1at s*1e)%.e) *o--er*#a. <anks (eD*.%)#n$ L(Bs an) RRBs) operat#n$ #n 0n)#a w#.. 1ave to -a#nta#n a -#n#-%- tota. *ap#ta. (86C) of 9 per*ent of tota. r#sk we#$1te) assets (RK(s) as a$a#nst a 86C of 8 per*ent of RK(s as pres*r#<e) #n Base. 000 r%.es teDt of t1e BCB! (Base. Co--#ttee on Bank#n$ !%perv#s#on).
(.so? <anks were )#re*te) to keep a *ap#ta. *onservat#on <%ffer of 2.50 per*ent. 0t essent#a../ -eans t1at <anks w#.. 1ave to set as#)e -ore *ap#ta. as <%ffer to avo#) a 2008:.#ke *r#s#s a$a#n. +n fa#.#n$ to set as#)e t1e -ent#one) *ap#ta.? t1e <anks w#.. not <e a<.e to pa/ )#v#)en) an) <on%s. 61e RB0 t#$1tene) t1e nor-s to -on#tor <anks9 #nvest-ents? #nter:*onne*te)ness an) *ross:1o.)#n$s #n t1e f#nan*#a. se*tor serv#*es w1#*1 are <e/on) t1e a*t#ve re$%.ator/ p%rv#ew of t1e *entra. <ank. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 13
Base. 000 re2%#res <anks to 1ave a 1#$1er s1are of *ore *ap#ta. C w1#*1 #s e2%#t/ an) reserves. Banks w#.. t1%s re2%#re a))#t#ona. Rs 1:1.5 .ak1 *rore over t1e neDt s#D /ears for )o#n$ t1e sa-e .eve. of <%s#ness.
61e #-p.e-entat#on of t1e *ap#ta. a)e2%a*/ $%#)e.#nes <ase) on t1e Base. 000 *ap#ta. re$%.at#ons w#.. <e$#n on 1 Jan%ar/ 201. Banks are to atta#n a -#n#-%- 6#er 0 *ap#ta. rat#o of 4.5 per *ent </ Jan%ar/ 201? 5.5 per *ent </ Jan%ar/ 2014? an) ' per *ent </ Jan%ar/ 2015. 61e new *ap#ta. re$%.at#ons w#.. <e f%../ #-p.e-ente) </ 1 8ar*1 2018.
Ln)er t1e eD#st#n$ Base. 00 fra-ework? <anks are re2%#re) to -a#nta#n 6#er 0 *ap#ta. of at .east ' per *ent of t1e#r r#sk we#$1te) assets. Ln)er Base. 000? 6#er 0 *ap#ta. w#.. pre)o-#nant./ *ons#st of *o--on e2%#t/? )ef#ne) as pa#):%p e2%#t/ *ap#ta.? s1are pre-#%-? s%rp.%ses ar#s#n$ fro- sa.e of assets? ot1er )#s*.ose) free reserves? an) <a.an*e #n t1e prof#t an) .oss a**o%nt at t1e en) of t1e f#nan*#a. /ear. (**or)#n$ to t1e f#$%res re.ease) </ Contro..er 4enera. of (**o%nts (C4() on 1 8a/ 2012? 0n)#a9s f#s*a. )ef#*#t ease) to 5.7 per *ent of 4&P? .ower t1an 5.9 per *ent proEe*te) #n t1e rev#se) est#-ates #n t1e B%)$et. "#s*a. )ef#*#t? t1e )#fferen*e <etween t1e $overn-entIs tota. re*e#pts an) eDpen)#t%re? *appe) at 5.09 tr#..#on r%pees #n 2011:12. K1#.e t1e taD reven%e re*e#pts *%r<e) to '.1 tr#..#on r%pees a$a#nst t1e proEe*te) f#$%re of '.42 tr#..#on r%pees? $overn-ent9s eDpen)#t%re <ot1 non:p.an eDpen)#t%re an) p.an eDpen)#t%re a.so went )own at 8.84 tr#..#on r%pees an) 4.1 tr#..#on r%pees respe*t#ve./. 61e reven%e )ef#*#t was at 4.% of 4&P. 61e $overn-ent #s work#n$ 1ar) to *%rta#. t1e <roa)en#n$ f#s*a. )ef#*#t an) a#-#n$ to <r#n$ #t )own to 5.1 per *ent #n t1e f#s*a. /ear 2012:1. 0n or)er to -eet #ts f#s*a. )ef#*#t tar$et t1e f#nan*e -#n#str/ #s e/e#n$ to *%t t1e s%<s#)/ <#.. to <e.ow 2 per *ent of 4&P #n t1e f#s*a. /ear 2012:1an) 1.75 per *ent #n t1e s%<se2%ent /ears. 61e s.ow#n$ e*ono-/ #s -ak#n$ #t )#ff#*%.t for t1e $overn-ent to a*1#eve #ts f#s*a. )ef#*#t tar$et. 61e $ross )o-est#* pro)%*t (4&P) )ata re.ease) </ t1e Centra. !tat#st#*a. +r$an#sat#on (C!+)? 1a) *appe) t1e 4&P $rowt1 rate of 0n)#a #n 2011:12 at '.5 per *ent? as a$a#nst t1e ear.#er est#-ate of '.9 per *ent. MMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMMM
(**or)#n$ to t1e re*ent )ata re.ease) </ t1e Centra. !tat#st#*a. +r$an#sat#on 0n)#a9s e*ono-#* $rowt1 rate p.%n$e) to 5. per *ent #n t1e Jan%ar/:8ar*1 2%arter of 2011:12. 61e f#$%re #s .owest #n t1e past 9 /ears. 61e 4ross )o-est#* pro)%*t (4&P) $rowt1 )%r#n$ t1e *orrespon)#n$ per#o) of 2010:11 was 9.2 per *ent. 61e )epress#n$ f#$%re of e*ono-#* $rowt1 #s .ar$e./ attr#<%te) to poor perfor-an*e of t1e -an%fa*t%r#n$ an) a$r#*%.t%re se*tors. 61e overa.. 4&P #n 2011:12 a.so *a-e )own to '.5 per *ent fro- 8.4 per *ent #n t1e 2010:11. 61e -an%fa*t%r#n$ se*tor s1owe) a s1arp./ *ontra*te) $rowt1 )%r#n$ t1e 2%arter en)#n$ 1 8ar*1 2012 as t1e $rowt1 f#$%re *a-e )own to 0. per *ent fro- 7. per *ent )%r#n$ t1e sa-e per#o) of 2010:11. ($r#*%.t%re se*tor a.so $rew #n s#-#.ar fas1#on an) w#tnesse) a $rowt1 of E%st 1.7 per *ent )%r#n$ t1e .ast 2%arter? *o-pare) to 7.5 per *ent )%r#n$ t1e sa-e per#o) of 2010:11. 61e serv#*es se*tor re$#stere) 1#$1est $rowt1 rate? an) re-a#ne) %n*1an$e) at 10 per *ent #n t1e fo%rt1 2%arter en)e) 8ar*1 2012. TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT 61e 0nternat#ona. 8onetar/ "%n) (08") on 27 (pr#. 2012 .owere) 0n)#a9s $rowt1 proEe*t#on to '.9 per *ent for 2012. 61e -%.t#.atera. a$en*/ #n Jan%ar/ proEe*te) 0n)#an e*ono-/ to $row to </ 7 OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 14
per *ent for 2012. 61e s.as1e) $rowt1 proEe*t#on #s <roa)./ attr#<%te) to t1e *o%ntr/9s poor perfor-an*e on t1e front of e*ono-#* refor-s an) s.ow#n$ #nvest-ent. 61e 08"? 1owever? -a#nta#ne) 0n)#a9s $rowt1 est#-ate for 201 at 7. per *ent. (s per t1e 08"? t1e nat#ona. e*ono-/ $rew </ 7.1 per *ent .ast /ear. 61e 08"9s $rowt1 proEe*t#on #s an #n)#*at#on for t1e $overn-ent to eDpe)#te t1e pro*ess of e*ono-#* refor-s w1#*1 1as .on$ <een v#*t#- of t1e *o%ntr/9s #nterna. po.#t#*a. *.%tter. 8an/ of t1e #-portant refor-s are st#.. #n t1e p#pe.#ne w1#*1 nee)e) to <e approve) as soon as poss#<.e. 4overn-ent s1o%.) -ake s%re t1at #t #s tak#n$ a)e2%ate -aEors to <oost %p t1e sent#-ent of #nvestors? w1o are #n*reas#n$./ $ett#n$ )#sen*1ante) of t1e f%t%re prospe*ts of 0n)#an ,*ono-/. TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT !tan)ar) = PoorIs )own$ra)e) *re)#t rat#n$ o%t.ook for 0n)#a to ne$at#ve fro- sta<.e on 25 (pr#. 2012. 61e *%t #n *re)#t rat#n$ #s t1e ref.e*t#on of 0n)#aIs w#)en#n$ f#s*a. an) *%rrent a**o%nt )ef#*#ts. 61e ne$at#ve o%t.ook Eeopar)#ses 0n)#aIs .on$:ter- rat#n$ of BBB:? t1e .owest #nvest-ent $ra)e rat#n$? an) sent 0n)#an <on)s? sto*ks an) t1e r%pee .ower. 0n)#a 1as no sovere#$n $.o<a. <on) #ss%es? <%t a )own$ra)e wo%.) #n*rease <orrow#n$ *osts for .o*a. *o-pan#es an) -ake #t 1ar)er to ref#nan*e )e<t? an) -a/ 1ave a f%rt1er *1#..#n$ effe*t on fore#$n #nvestor *onf#)en*e #n t1e *o%ntr/ #n $enera.. 61e Ln#on $overn-ent on 11 (pr#. 2012 -a)e #t -an)ator/ for #n)#v#)%a.s w#t1 #n*o-e a<ove Rs 10 .ak1 to f#.e t1e#r taD ret%rns 2011:12 onwar)s e.e*tron#*a../. ,:f#.#n$ was -a)e *o-p%.sor/ for t1e person w1o #s an #n)#v#)%a.? or a >#n)% Ln)#v#)e) "a-#./? #f 1#s or #ts tota. #n*o-e? or t1e tota. #n*o-e #n respe*t of w1#*1 1e #s or #t #s assessa<.e %n)er t1e (*t )%r#n$ t1e prev#o%s /ear? eD*ee)s Rs 10 .ak1 for assess-ent /ear 2012:1 onwar)s. ,:f#.#n$ for s%*1 #n)#v#)%a.s was opt#ona. t#.. 2010:11. C%rrent./ <%s#ness 1o%ses w#t1 re*e#pts of Rs '0 .ak1 an) profess#ona.s w#t1 #n*o-e of Rs 15 .ak1 are -an)ator#./ re2%#re) to e:f#.e t1e#r ret%rn w#t1 )#$#ta. s#$nat%re. TTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTTT Reserve Bank of 0n)#a (RB0) on 17 (pr#. 2012 #nstr%*te) *o--er*#a. <anks to re)%*e t1e#r eDpos%re to $o.) .oan *o-pan#es to 7.5% of t1e#r *ap#ta. f%n)s fro- t1e eD#st#n$ 10%. 61e )#re*t#ve w#.. #-pa*t t1e $o.) .oan *o-pan#es s%*1 as 8%t1oot "#nan*e an) 8anapp%ra- "#nan*e as t1e/ w#.. re*e#ve .ess f%n)#n$. 61e Ln#on Ca<#net on 12 (pr#. 2012 approve) a proposa. to set %p a !pe*#a. P%rpose @e1#*.e (!P@) for 4oo)s an) !erv#*es 6aD 5etwork (4!65) to 1e.p fa*#.#tate t1e s-oot1 #ntro)%*t#on of t1e new #n)#re*t taD re$#-e. 4!65 !P@ #s to <e #n*orporate) as !e*t#on 25 not:for:prof#t pr#vate .#-#te) *o-pan/ #n w1#*1 strate$#* *ontro. wo%.) <e 1e.) </ t1e Centre. 0t w#.. prov#)e 06 #nfrastr%*t%re an) serv#*es to var#o%s stake1o.)ers #n*.%)#n$ t1e Centre an) states. 61e !P@ w#.. 1ave an e2%#t/ *ap#ta. of Rs 10 *rore? w#t1 <ot1 t1e Centre an) states 1av#n$ stakes of 24.5 per *ent ea*1. 5on $overn-ent #nst#t%t#ons wo%.) 1o.) 51 per *ent e2%#t/. 6B&n A&%o? ar& t)& )!)%!)t$ o( t)& A'"!&t .-+.-+*D 0n a <#) to en1an*e taD *o..e*t#on an) keep#n$ tra*k of 1#$1:va.%e propert/ transa*t#ons? t1e Ln#on B%)$et for 2012:1 1as propose) 1% taD )e)%*te) at so%r*e on an/ )ea. of propert/ ot1er t1an a$r#*%.t%re .an). 61e taD #s -an)ate) to <e pa#) #f t1e propert/ *ons#)erat#on #s over Rs 50 .ak1 #n spe*#f#e) %r<an areas an) Rs 20 .ak1 #n an/ ot1er area. 61e transa*t#on w#.. <e re$#stere) on./ after t1e <%/er prov#)es proof of )e)%*t#on an) pa/-ent of 6&!. 61e proposa. w#.. <e effe*t#ve fro- +*to<er 1? 2012. 0n*o-e taD eDe-pt#on .#-#t ra#se) to Rs.2 .ak1 fro- Rs.1.80 .a*s to prov#)e re.#ef of Rs.2?000 for a.. assesseesB 20 per *ent taD on #n*o-e over Rs.10 .ak1? %p fro- Rs.8 .ak1. &e)%*t#on of %p to Rs.10?000 fro- #nterest fro- sav#n$s <ank a**o%nts. &efen*e to $et Rs.1.9 .ak1 *rore )%r#n$ 2012:1. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 15
!erv#*e taD rate ra#se) fro- 10 per *ent to 12 per *ent to <r#n$ #n Rs.18?''0 *rore. 5o *1an$e #n *orporate taDes <%t -eas%res to ena<.e t1e- <etter a**ess f%n)s. K#t11o.)#n$ taD on eDterna. *o--er*#a. <orrow#n$s re)%*e) fro- 20 per *ent to f#ve per *ent for power? a#r.#nes? roa)s? <r#)$es? affor)a<.e 1o%ses an) fert#.#ser se*tors. 5at#ona. !k#.. &eve.op-ent "%n) a..o*ate) Rs.1?000 *rore. "o%r t1o%san) res#)ent#a. 2%arters to <e *onstr%*te) for para-#.#tar/ for*es w#t1 an a..o*at#on ofRs.1?185 *rore. 5at#ona. Pop%.at#on Re$#ster to <e *o-p.ete) #n two /ears. ,D*#se )%t/ ra#se) fro- 10 to 12 per *ent. C#ne-a #n)%str/ eDe-pte) fro- serv#*e taD. Bran)e) s#.ver Eewe..er/ f%../ eDe-pt fro- eD*#se )%t/. C%sto-s )%t/ on warn#n$ s/ste-s/tra*k %p$ra)e e2%#p-ent for ra#.wa/s re)%*e) fro- 10 per *ent to 7.5 per *ent. 0-port )%t/ on e2%#p-ent for #ron ore -#n#n$ re)%*e) fro- 7.5 to 2.5 per *ent. (..o*at#on of Rs.200 *rore for resear*1 on *.#-ate *1an$e. 0rr#$at#on an) water reso%r*e *o-pan/ to <e operat#ona.#se). 5at#ona. -#ss#on on foo) pro*ess#n$ to <e starte) #n *ooperat#on w#t1 state $overn-ents. 0nte$rate) C1#.) &eve.op-ent !*1e-e to <e stren$t1ene) an) restr%*t%re) w#t1 a..o*at#on ofRs.15?850 *rore. (..o*at#on of Rs.14?000 *rore for r%ra. water s%pp./ an) san#tat#on. 0nf%s#on of Rs.15?888 *rore #n p%<.#* se*tor <anks? re$#ona. r%ra. <anks an) 5(B(R& #n 2012: 1. 0nfrastr%*t%re w#.. re2%#re Rs.50 .ak1 *rore #n 12t1 P.an? 1a.f of t1#s fro- t1e pr#vate se*tor. Co-p.et#on of 1#$1wa/ proEe*ts 44 per *ent 1#$1er t1an #n prev#o%s f#s*a.. ,Dterna. *o--er*#a. <orrow#n$ of %p to U1 <#..#on per-#tte) for a#r.#ne se*tor. ,Dterna. *o--er*#a. <orrow#n$s per-#tte) to .ow:*ost 1o%s#n$ se*tor. "ro- 2012:1? f%.. s%<s#)#es for prov#)#n$ foo) se*%r#t/B #n ot1er se*tors to t1e eDtent t1e e*ono-/ *an <ear t1#s. >ope to ra#se Rs.0?000 *rore fro- )#s#nvest-ents. 5ew e2%#t/ sav#n$s s*1e-e to prov#)e for #n*o-e taD )e)%*t#on of 50 per *ent for t1ose w1o #nvest Rs.50?000 #n e2%#t/ an) w1ose ann%a. #n*o-e #s .ess t1an Rs.10 .ak1. Corporate -arket refor-s to <e #n#t#ate). B#..s on -#*ro:f#nan*e #nst#t%t#ons? nat#ona. .an) <ank an) p%<.#* )e<t -ana$e-ent a-on$ t1ose to <e #ntro)%*e) #n 2012:1. 0n)#aIs #nf.at#on str%*t%ra.? )r#ven .ar$e./ </ a$r#*%.t%ra. *onstra#nts. C%rrent a**o%nt )ef#*#t .' per *ent #n 2011:12B t1#s p%t press%re on eD*1an$e rate. 4rowt1 #n 2012:1 est#-ate) at 7.' per *entB eDpe*t #nf.at#on to <e .ower. Better -on#tor#n$ of eDpen)#t%re on $overn-ent s*1e-es. "#s*a. 2011:12 /ear of re*over/ #nterr%pte)B rea.#t/ t%rne) o%t to <e )#fferent. 4&P $rowt1 #n 2011:12 est#-ate) at '.9 per *entB 1a) to <att.e )o%<.e )#$#t #nf.at#on for two /ears. 4oo) newsA a$r#*%.t%re an) serv#*es *ont#n%e) to perfor- we..B e*ono-/ #s now t%rn#n$ aro%n)B re*over/ #n *ore se*tors. Proposes to .ev/ taD on a.. serv#*es eD*ept 17 #te-s #n t1e ne$at#ve .#st fro- 2012:1 Proposes to ra#se a$r#*%.t%ra. *re)#t tar$et #n 2012:1 to 5.75 tr#..#on r%pees 0n*o-e 6aD on #n*o-e of Rs. 5 .ak1 to Rs10 .ak1 w#.. <e 20%A "8 0n*o-e 6aD s.a<s for #n)#v#)%a.sA Rs. 2 .ak1:5 .ak1A 10%B Rs. 5:10 .ak1A 20%B an) a<ove Rs. 10 .ak1 0% 0:6 )e)%*t#on of 50% on #nvest-ents of %p to Rs.50000 #n sav#n$s s*1e-es na-e) after RaE#v 4an)1#4ovt w#.. *ont#n%e to 1o.) 51% stake #n state owne) *o-pan#esA "86o #ntro)%*e RaE#v 4an)1# e2%#t/ s*1e-e for reta#. #nvestorsA "8 ,Dports $rew </ 2%? #-ports $rew </ 29% A "8
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 16
Mon&> Mark&t M't'a% F'n" ;MMMF$< A 0n or)er to prov#)e a))#t#ona. s1ort:ter- #nvest-ent reven%e? t1e RB0 en*o%ra$e) an) esta<.#s1e) t1e 8one/ 8arket 8%t%a. "%n)s (888"s) #n (pr#. 1992. 888"s are a..owe) to se.. %n#ts to *orporate an) #n)#v#)%a.s. 61e %pper .#-#t of 50 *rore #nvest-ents 1as a.so <een .#fte). "#nan*#a. #nst#t%t#ons s%*1 as t1e 0&B0 an) t1e L60 1ave set %p s%*1 f%n)s.
E$taA%$)m&nt o( t)& DFI A 61e &#s*o%nt an) "#nan*e >o%se of 0n)#a (&">0) was set %p #n (pr#. 1988 to #-part .#2%#)#t/ #n t1e -one/ -arket. 0t was set %p Eo#nt./ </ t1e RB0? P%<.#* se*tor Banks an) "#nan*#a. 0nst#t%t#ons. &">0 1as p.a/e) an #-portant ro.e #n sta<#.#;#n$ t1e 0n)#an -one/ -arket.
E$taA%$)m&nt o( t)& CCIL A 61e C.ear#n$ Corporat#on of 0n)#a .#-#te) (CC0L) was set %p #n (pr#. 2001. 61e CC0L *.ears a.. transa*t#ons #n $overn-ent se*%r#t#es? an) repose reporte) on t1e 5e$ot#ate) &ea.#n$ !/ste-.
MONE8 MAR9ET 0t #n*.%)es Ca../ 5ot#*e 6reas%r/ B#..s 6er- 8one/ Cert#f#*ate +f &epos#t Repo Co--er*#a. B#.. 0*) Co--er*#a. Papers &e<t 8arket 0t #n*.%)es 4overn-ent !e*%r#t#es an) Bon)s. 4overn-ent !e*%r#t/ #n*.%)es R Centra. 4ovt. !e*%r#t#es R !tate 4ovt. !e*%r#t#es Bon)s #n*.%)es R "ore#$n 0nvest-ent Bon)s R P!L Bon)s R Corporate !e*%r#t#es Cert#f#*ate +f &epos#t (J%ne?1989) !1ort ter- <orrow#n$s #n t1e for- of Lsan*e Pro-#ssor/ 5otes 1av#n$ a -at%r#t/ of not .ess t1an 15 )a/s %pto a -aD#-%- of 1 /ear. !%<Ee*t to pa/-ent of !ta-p &%t/ %n)er 0n)#an !ta-p (*t? 1899 (Centra. (*t) 61e/ are .#ke <ank ter- )epos#t a**o%nts? free./ ne$ot#a<.e #nstr%-ents often referre) to as 5e$ot#a<.e C&. "eat%res +f C& Can <e #ss%e) </ a.. s*1e)%.e) *o--er*#a. <anks eD*ept RRB9s 8#n#-%- per#o) 15 )a/s? 8aD#-%- per#o) 1 /ear 5R0s *an s%<s*r#<e to C&s on non:repatr#a<.e <as#s. 8#n#-%- a-o%nt Rs.1 .a* = #n -%.t#p.es of Rs.1 .a* 6ransfera<.e </ en)orse-ent = )e.#ver/. CRR = !LR are to <e -a#nta#ne). C&s are to <e sta-pe). Ca.. 8one/ 8arket 0nte$ra. part of 0n)#an 8one/ 8kt.? w1ere t1e )a/:to:)a/ s%rp.%s f%n)s (-ost./ of <anks) are tra)e). 61e .oans are of s1ort ter- )%rat#on var/#n$ fro- 1 to 14 )a/s. 61e -one/ t1at #s .ent for 1 )a/ #n t1#s -kt. #s known as F Ca.. 8one/ H? = #f #t eD*ee)s 1 )a/ (<%t .ess t1an 15 )a/s)? #t #s referre) to as F 5ot#*e 8one/ H. Ca.. 8one/ 8arket "eat%res &ea.s #n .oans at *a.. an) s1ort not#*es. &ea.s w#t1 eDtre-e for- of s1ort ter- .oansB 24 1o%rs? 7:15 )a/s -at%r#t/. Re*a..e) on )e-an) or s1ortest poss#<.e not#*e. 5or-a../? *o..atera.s are not #ns#ste) %pon. 0n 0n)#a? C88 prov#)es fa*#.#t#es for #nter: <ank ten)#n$. !%rp.%s s%pp.#ers of f%n)sA L60? !B0? L0C Ca.. 8one/ 8arket Banks <orrow #n t1#s -arket for t1e fo..ow#n$ p%rposeA R 6o f#.. t1e $aps #n f%n)s. R 6o -eet CRR = !LR -an)ator/ re2%#re-ents. R 6o -eet s%))en )e-an) for f%n)s 6reas%r/ B#..s 6:B#..s are #ss%e) </ 4ovt. of 0n)#a a$a#nst t1e#r s1ort ter- <orrow#n$ re2%#re-ents w#t1 -at%r#t#es ran$#n$ <etween 14 to '4 )a/s. (.. t1ese are #ss%e) at a )#s*o%nt:to:fa*e va.%e. "or e$A a 6:B#.. of Rs.100 fa*e va.%e #ss%e) for Rs.91.50 $ets re)ee-e) at t1e en) of #ts ten%re at Rs.100.
4#.t ,)$e) !e*%r#t#es 61e ter- 4overn-ent se*%r#t#es en*o-pass a.. <on)s = treas%r/ <#..s #ss%e) </ t1e Centra. an) t1e !tate $ovt. 61ese se*%r#t#es are nor-a../ referre) to? as F$#.t: e)$e)H as repa/-ents of pr#n*#pa. as we.. as #nterest are tota../ se*%re) </ sovere#$n $%arantee. "eat%res 61ese se*%r#t#es 1ave a f#De) *o%pon t1at #s pa#) on spe*#f#* )ates on 1a.f:/ear./ <as#s. 8at%r#t/ )ates? fro- s1ort )ate) (.ess t1an one /ear) to .on$ )ate) (%pto twent/ /ears). (va#.a<.e #n pr#-ar/ an) se*on)ar/ -arket. >#$1 .#2%#)#t/:se*%r#t#es *an <e so.) #n t1e se*on)ar/ -arket at preva#.#n$ rates.
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 17
Highlights of RBI credit policy 17 Apr 2012 RBI CUTS REPO RATES RB0 *%ts repo rate </ 50<p to 8%. Banks s1o%.) pass on 1#s *%t to <orrowers. 61#s -eans 1o-e .oans? persona. .oans an) *orporate .oans *o%.) $et *1eaper. Reverse repo rate a)E%sts to 7% Cas1 Reserve Rat#o %n*1an$e) at 4.75% RBI ON BAN9IN6 SECTOR Banks not per-#tte) to *1ar$e pre:pa/-ent pena.t/ on 1o-e .oans. 61#s s1o%.) a..ow ref#nan*#n$ of eD#st#n$ 1o-e .oans at *o-pet#t#ve #nterest rates. RB0 w#.. assess t1e feas#<#.#t/ of #ntro)%*#n$ -ore .on$ ter- f#De) rate .oan pro)%*ts. RB0 *on*erne) a<o%t )#fferent#a. #n reta#. an) <%.k )epos#t rates RB0 asks <anks to 1ave <oar) approve) po.#*/ on .#a<#.#t#es RBI ON 6OLD LOAN NBFC$ Bank eDpos%re to s#n$.e $o.) .oan 5B"C *appe) at 7.5%. "or 5B"Cs a.so .en)#n$ to t1e #nfrastr%*t%re spa*e? a))#t#ona. 5 per *ent eDpos%re per-#tte) V !1ort ter- .en)#n$ rate (repo) .owere) </ 0.50% to 8% V Cas1 reserve rat#o (CRR) reta#ne) at 4.75% V 4&P $rowt1 for 2012:1 proEe*te) at 7.% V 8ar*1:en)? 2012:1 #nf.at#on eDpe*te) at '.5% V Bank rate *%t </ 0.50% to 9% V &epos#t $rowt1 pe$$e) at 1'%? *re)#t $rowt1 at 17% V Lps#)e r#sk to f#s*a. )ef#*#t tar$et of 5.1% V 4ovt <orrow#n$ -a/ )e*rease *re)#t f.ow to pvt se*tor V L#2%#)#t/ *on)#t#ons -ov#n$ towar)s *o-fort ;one V 6o #ss%e f#na. $%#)e.#nes on Base. 000 </ 8a/ 2012 V 6#$1tens nor-s for .en)#n$ a$a#nst $o.) </ 5B"Cs V 5eDt -#):2%arter./ -onetar/ rev#ew on J%ne 18.
1. +BC #s %s#n$ "#na.e @ers#on 7.0.19
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 18
(+n./ C( (..owe). (fter 1/10/2008? 6& not a..owe).) 8#n#-%- L!&/4BP/ ,LR+ 10000 = #n -%.t#p.es of 1000 %n#ts. 8aD. to t1e eDtent of L!& 1 -n or #ts e2%#va.ent #n ot1er *%rren*#es per eDporter 8#n#-%- 1 -ont1. 8aD. 1 /ear -at%r#n$ on or <efore 1.10.2008 (n/ fore#$n eD*1an$e earne) </ eDporters *an <e kept #n ,,"C (/C. 0n "ore#$n C%rren*/. (L!&? 4BP = ,%ro.) "ree./ Repatr#a<.e. Pre-at%re pa/-ent = over)%e renewa. as per $%#)e.#nes for "C5R(B). Pre-at%re renewa. not a..owe). 6& 5:"&R 12. 6aD !av#n$ C&R/"&R/80&R (6aD sav#n$ %/s 80 C) 8#n#-%- `100/: = 8aD#-%- `100?000/: Per#o) s1a.. not <e .ess t1an 5 /rs P(5 Re2%#re)? 5o Loan? 5o L#en? 5o Pre-at%re Pa/-ent 6& 41:C&R 6& 42:"&R:L#2. 6&:4 80&R 1. Pro$ress#ve &epos#t 4enera. (&rop </ )rop -akes an o*ean) 8%.t#p.es of `10/: ' -ont1s to 120 -ont1s (0n -%.t#p.es of -t1s) X%arter./ Co-po%n)#n$ (-o%nt #s )epos#te) #n -ont1./ 0nsta..-ents. L%-p !%- Pa/-ent on -at%r#t/. P& 15 14.
+BC ()1aar
@ar#a<.e Core -ont1./ #nsta..-ent #n 8%.t#p.es of `10/: 12 -ont1s to 120 -ont1s X%arter./ Co-po%n)#n$ (-o%nt of -ont1./ 0nsta..-ent -a/ var/ %p to 10 t#-es of t1e Core (-o%nt or `50?000/: w1#*1ever #s .ess. P& 1' OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 25
TERM DEPOSITS SCHEMES I UPDATED UPTO -+,-+,.-+. C SCHEME AMOUNT PERIOD SPECIAL FEATURES SCHEME CODE Pro$ress#ve &epos#t (6a#.or -a)e) 8aD#-%- `50?000/: L%-p !%- Pa/-ent on -at%r#t/. Loan fa*#.#t/ C 95% of (**r%e) va.%e 15. ".eD# "#De) &epos#t
(L#2%#)#t/ of !B/C( = 1#$1er ret%rns of "#De) &epos#ts) +perat#ve (**o%nts 8#n. av$. 2%arter./ <a.an*e ` (%to !weep Ln#t ` Reverse !weep Ln#t ` Pena.t/ / 2tr for -#n.<a.. ` Per#o) of ""& !B !-art !ave 25?000/: 5000/: 2000/: 150/: !av#n$ !-art !ave 4o.) 50?000/: 5000/: 2000/: 450/: 90 )a/s to 5 /ears C( Pre-#%- 4o.) 200?000/: 25?000/: 25?000/: 1000/: 15 to 45 )a/s FOR SB .++D- 6&7' : "&R (00) 6&82 C "&R (0+) 6&8 C C&R
FOR SB .-/ D- 6&78 : "&R (00) 6&8' C "&R (0+) 6&87 C C&R FOR CA +-/D- 6& 79 : "&R 1'. +r#enta. 4ra-een Ja-a 3oEana
(Pro$ress#ve &epos#t C "#nan*#a. 0n*.%s#on) 8#n#-%- #nsta.-ent of `5/ an) #n -%.t#p.es t1ereof not eD*ee)#n$ `500 )%r#n$ t1e -ont1. 12 -ont1s to 10 3rs X%arter./ Co-po%n)#n$. Loan to t1e )epos#tor %pto a -aD#-%- of 75% of t1e a**r%e) a-o%nt of )epos#t w#t1 a -#n#-%- of `200/: ava#.a<.e w#t1 0nterest W1% p.a. over an) a<ove t1e )epos#t rate app.#*a<.e.
LE6AL ASPECTS (s per w1#*1 prov#s#on of !e*%r#t#;at#on (*t 2002? app.#*at#on *an <e f#.e) <efore *o..e*tor/ &8 for $ett#n$ p1/s#*a. possess#on of t1e !e*%re) (sset : !e*t#on 14 of t1e (*t (s per w1#*1 prov#s#on #n !e*%r#t#;at#on (*t 2002? (ppea./(pp.#*at#on *an <e f#.e) <efore &R6 </ t1e Borrower : !e*t#on 17 of t1e (*t (w#t1#n 45 )a/s) (s per w1#*1 prov#s#on #n !e*%r#t#;at#on (*t 2002? !e*on) appea. *an <e f#.e) </ t1e Borrower/ 4%arantor to &R(6 : !e*t#on 18 of t1e (*t (w#t1#n 0 )a/s) L#-#tat#on for f#.#n$ eDe*%t#on Pet#t#on after o<ta#n#n$ &e*ree : 12 /ears 8aD#-%- = 8#n#-%- -e-<ers #n a Pvt. Lt). Co-pan/ : 50 = 2 8#n#-%- -e-<ers #n a P%<.#* Lt). Co-pan/ : 7 8aD#-%- n%-<er of -e-<ers #n a partners1#p f#r- #f #t #s a Bank#n$ *o-pan/ : 10 8aD#-%- n%-<er of -e-<ers #n a partners1#p f#r- #f #t #s not a Bank#n$ *o-pan/ : 20 8#n#-%- )#re*tors #n a Pvt. Lt). Co-pan/ : 2 8#n#-%- )#re*tors #n a P%<.#* Lt). Co-pan/ : 6#-e .#-#t for 1av#n$ t1e f#rst stat%tor/ -eet#n$ of a *o-pan/ after t1e #n*orporat#on of a *o-pan/ : w#t1#n ' -ont1s Pe*%n#ar/ E%r#s)#*t#on of &R6 : 10 .a* = a<ove 8aD#-%- *o%rt fee to <e pa#) #n &R6 : 1.50 .a* 8#n#-%- *o%rt fee to <e pa#) #n &R6 : 12?000/: %p to `10 .a*s? eD*ee) ever/ 1 .a* `1000/: (s per w1#*1 (*t &R6 #s *onst#t%te) : Re*over/ of &e<ts )%e to Banks an) f#nan*#a. 0nst#t%t#ons (*t 199 K1#*1 #s t1e prov#s#on for f#.#n$ appea. to &R(6 a$a#nst t1e or)er of t1e pres#)#n$ off#*er #n &R6 : !e*t#on 20 (w#t1#n 45 )a/s) K1#*1 #s t1e prov#s#on for f#.#n$ appea. to t1e pres#)#n$ off#*er #n &R6 a$a#nst t1e or)er of t1e Re*over/ +ff#*er #n &R6 : !e*t#on 0 (w#t1#n 0 )a/s) K#t1#n >ow -an/ )a/s? appea. s1o%.) <e f#.e) <efore pres#)#n$ off#*er #n &R6 a$a#nst t1e or)er of t1e Re$#strar of &R6 : w#t1#n 15 )a/s >ow -an/ )a/s t#-e s1o%.) <e $#ven #n t1e )e-an) not#*e sent to t1e Borrower as per !e*t#on 1 (2) of !e*%r#t#;at#on (*t 2002 : '0 )a/s Bank#n$ o-<%)s-an s*1e-e #s #ntro)%*e) #n t1e /ear : 1995 OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 26
Cons%-er Prote*t#on (*t #ntro)%*e) #n t1e /ear : 198' >ow -%*1 t#-e w#.. <e t1e -aD#-%- $ap <etween two (nn%a. 4enera. 8eet#n$ of a Co-pan/ : 15 -ont1s K#t1#n >ow -an/ )a/s? app.#*at#on for *reat#n$ *1ar$es to <e f#.e) <efore Re$#strar of Co-pan#es : 0 )a/s (!e*t#on 125 of Co-pan#es (*t 195') (s per w1#*1 prov#s#on #n 0n)#an L#-#tat#on (*t 19'? L#-#tat#on #s eDten)e) for f%rt1er /ears </ t1e o<tent#on of Ba.an*e Conf#r-at#on Letter : !e*t#on 18 (s per w1#*1 )e*#s#on of !%pre-e Co%rt? #t #s -a)e *.ear t1at s#-%.taneo%s a*t#on %n)er se*%r#t#;at#on a*t a.on$ w#t1 &R6/ !%#t "#.e) w#t1 an/ ot1er *o%rt *an <e taken : 6rans*ore v/s Ln#on of 0n)#a Pe*%n#ar/ L#-#t for "#.#n$ RRC : <e.ow 10 .a* L#-#tat#on for f#.#n$ -ort$a$e s%#t <efore Co%rt: 12 /ears L#-#tat#on for f#.#n$ -one/ s%#t <efore Co%rt : /ears Pe*%n#ar/ J%r#s)#*t#on of Bank#n$ +-<%)s-an : 10 .a*s K1at #s t1e pres*r#<e) t#-e .#-#t w#t1#n w1#*1 *ons%-er "or%- s1o%.) )#spose t1e Co-p.#ant : -ont1s K1at #s t1e pres*r#<e) t#-e .#-#t w#t1#n w1#*1 &R6 s1o%.) )#spose t1e +r#$#na. (pp.#*at#on : ' -ont1s K1at #s t1e pres*r#<e) t#-e .#-#t w#t1#n w1#*1 Bank#n$ +-<%)s-an s1o%.) )#spose t1e Co-p.#ant : ' -ont1s L#-#tat#on for f#.#n$ *o-p.#ant w#t1 Bank#n$ +-<%)s-an : 1 /ear L#-#tat#on for f#.#n$ *o-p.#ant w#t1 Cons%-er "or%- : 2 /ears Pe*%n#ar/ J%r#s)#*t#on of &#str#*t Cons%-er "or%- : 20 .a*s Pe*%n#ar/ J%r#s)#*t#on of !tate Co--#ss#on (Cons%-er) : Between 20 .a*s an) +ne Crore Pe*%n#ar/ J%r#s)#*t#on of 5at#ona. Co--#ss#on (Cons%-er) : a<ove 1 Crore 8aD#-%- per#o) of #-pr#son-ent *an <e $#ven </ a Co%rt %n)er se*t#on 18 of 50 (*t 1881 : 2 3ears 8aD#-%- per#o) of *#v#. #-pr#son-ent *an <e $#ven </ a C#v#. Co%rt #n t1e eDe*%t#on of a )e*ree : -ont1s (*t#on %n)er se*t#on 18 of 50 (*t C !en) 15 )a/s .e$a. not#*e w#t1#n 0 )a/s of t1e )ate of )#s1onor of *1e2%e. Do#'m&ntaton, Stamp D't> an" Lmtaton W)o $ to S!n t)& "o#'m&nt$ or #r&at& mort!a!& Borro?&r W)o $ to S!n 0n)#v#)%a. >#-se.f / >#s a$ent Jo#nt Borrowers (.. / t1e#r a$ent Propr#etors1#p f#r- Propr#etor / ($ent Partners1#p f#r- (.. partners >L" Garta. 0f *opar*eners are to <e -a)e .#a<.e? t1e/ are a.so to s#$n Jo#nt !to*ks Co-pan/ Person a%t1or#;e) </ t1e reso.%t#on fro- t1e Boar) of )#re*tors 6r%st/C.%</!o*#et/ 6r%stee/person a%t1or#;e) </ t1e#r $overn#n$ )o*%-ents/reso.%t#on Stamp D't> Rat&$ In$tr'm&nt Rat& ;` `` `< Re*e#pts for an/ -one/ or propert/ t1e a-o%nt or va.%e w1#*1 eD*ee)s ` 5000 1.00 ProD/ .etter 0.15 Letter of *re)#t 1.00 6ransfer of s1ares (` 100 or part) 0.25 &e-an) <#.. of eD*1an$e / *1e2%e 50L &e-an) pro-#ssor/ noteA @a.%e not -ore t1an ` 250 @a.%e -ore t1an ` 250 .ess t1an `1000 @a.%e of -ore t1an `1000
"%rt1er? t1e %n)er:note) *.ar#f#*at#ons 1ave a.so <een $#ven #n t1e afore-ent#one) C#r*%.ar A 0n respe*t of *.a#-s on t1e <as#s of *o%rt or)ers v#;. Pro<ate/ !%**ess#on Cert#f#*ate? t1e sa-e *an <e sett.e) </ <ran*1 0n*%-<ents #rrespe*t#ve of t1e a-o%nt #nvo.ve).
C.a#-s </ no-#nees #n respe*t of t1e a**o%nts w1ere a va.#) no-#nat#on #s re$#stere) as per Bran*1 re*or)s? s1a.. <e )#spose) of at Bran*1 .eve.? #n a**or)an*e w#t1 no-#nat#onB #rrespe*t#ve of t1e a-o%nt #nvo.ve).
61e powers of Bran*1 are restr#*te) to *.a#-s </ Le$a. 1e#rs of C.ass:0 #n respe*t of >#n)%s = !#k1s on./? w1ereas t1e )#fferent f%n*t#onar#es at Re$#ona. +ff#*es / >ea) +ff#*e are e-powere) to )ea. w#t1 a.. t/pe of *.a#-s. 61e *.a#-s re.at#n$ to 8%s.#- = ot1er *o--%n#t#es an) *.a#-s </ $%ar)#an ot1er t1an nat%ra. $%ar)#an s1a.. <e )ea.t at Re$#ona. off#*e .eve. even w1en t1e *.a#- a-o%nt fa..s w#t1#n Bran*1 powers. "%rt1er *.a#-s #n respe*t of 7,#t1er or !%rv#vor9 = 7"or-er or !%rv#vor9 a**o%nts s1a.. <e )#spose) of at <ran*1 .eve. as per #nstr%*t#on.
61e .#-#t for sett.e-ent of *ase C 15 )a/s s%<Ee*t to pro)%*t#on of proof of )eat1 an) proper #)ent#f#*at#on of t1e *.a#-antIs to t1e <ankIs sat#sfa*t#on. SER7ICE TAQ +%r <ank 1as *entra.#;e) pa/-ent s/ste- of !erv#*e taD. Pa/-ent of t1e taD #s -a)e </ t1e 1ea) off#*e. Last )ate (&%e )ate) for pa/-ent of !erv#*e 6aD to t1e (/* of 4overn-ent "or Co-pan/A : 8ont1./ .#a<#.#t/. &epos#t taD so *o..e*te) </ 5t1 of neDt -ont1. "or -ont1 of 8ar*1 )epos#t </ 1st 8ar*1. "or ot1er t1an Co-pan/A : X%arter./ .#a<#.#t/. Functionaries Poers /ranc- 'ncum2ents/'ncum2ent- 'nc-ar4eC =?tension Counter o% Scale-'C'' >''' U!to +s 2.;; lacs /ranc- 'ncum2ents in Scale ', U!to +s. 5.;; lacs /ranc- 'ncum2ents in Scale , > a2o#e U! to +s. ..5; lacs +e4ional )ea$ U!to +s. 2;.;; lacs 2 n$ an in +e4ional O%%ices U!to +s. 1;.;; lacs 9irres!ecti#e o% scale: A* at )ea$ O%%ice U!to +s. 3;.;; lacs D* at )ea$ O%%ice U!to +s. 5;.;; lacs *eneral ana4er 9at )ea$ O%%ice/Fiel$: U!to +s. 1.;; crore =?ecuti#e Director/CD Full Po7er OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 2
NOTED - 0f t1e )%t/ #s )epos#te) e.e*tron#*a../ t1ro%$1 0nternet <ank#n$? )%e )ate of Pa/-ent #s 't1 of -ont1.
Rate of serv#*e taD *o..e*t#on #s 12% of t1e *1ar$es *o..e*te) </ t1e part/ N ,)%*at#on Cess W2% of !erv#*e 6aD (-o%nt (#.e. 2% of 12%) N !e* = >#$1er ,)%*at#on Cess W1% of !erv#*e 6aD (-o%nt (#.e. 1% of 12%). >en*e effe*t#ve rate of !erv#*e 6aD #s 12.'%. !erv#*e taD *o..e*te) </ a <ran*1 #s kept %n)er t1e PL 1ea) !erv#*e taD pa/a<.e. (*t%a. a-o%nt of !erv#*e taD *o..e*te) </ t1e <ran*1 re-a#ns #n t1#s 1ea) an) not re-#tte) to >ea) off#*e. Bank 1as per-#tte) for pa/-ent of serv#*es taD on pre-#se) rent to e.#$#<.e .an).or). (after o<ta#n#n$ *erta#n )o*%-ents) !erv#*e taD pa#) </ t1e <ank -%st <e )e<#te) to !erv#*e taD pa#) a**o%nt an) #np%t re$#ster (C,5@(6 *re)#t re$#ster) *onta#n#n$ a<ove )eta#.s -%st <e kept on re*or) at t1e <ran*1.
TAQ DEDUCTED AT SOURCE ;T5D5S< 1. ".oor .#-#t of 6&! on 6er- &epos#t `10000/: (wef 01:0':2007) 2. "or- 15 4 : 6o <e o<ta#ne) fro- Persons (ot1er t1an !en#or C#t#;en) . "or- 15 > : 6o <e o<ta#ne) fro- !en#or C#t#;en 4. "or- '0 : for 5on ($r#*%.t%re 5. "or- '1 : for ($r#*%.t%re Ta@ D&"'#ton at So'r#& ;TDS< at a H!)&r Rat& ;.-F< on Tran$a#ton$ on not J'otn! o( PAN (s per t1e a-en)e) prov#s#ons? w.e.f. 1.04.2010? 6&! at )!)&r of t1e pres*r#<e) rate or 20% w#.. <e )e)%*te) on a.. t1e transa*t#ons .#a<.e to 6&!? w1ere Per-anent (**o%nt 5%-<er (P(5) of t1e )e)%*tee #.e.? t1e part/ #s not ava#.a<.e.
61e .aw w#.. a.so app./ to a.. non:res#)ents #n respe*t of pa/-ents/re-#ttan*es %aA%& to 6&!. "%rt1er? Cert#f#*ate of )e)%*t#on of taD at .ower rate or no )e)%*t#on (%n)er se*t#on 197 of t1e 0n*o-e 6aD (*t?19'1) s1a.. not <e #ss%e) </ t1e *on*erne) 0n*o-e 6aD (%t1or#t/ to t1e part/ #.e.? to w1o- e.#$#<.e pa/-ent #s -a)e </ t1e <ank? %n.ess t1e app.#*at#on of t1e part/ <ears P(5. 0n a))#t#on? )e*.arat#on </ t1e )epos#tor #n Z"or- 15 4/"or- 15>Z(%n)er se*t#on 197( of t1e 0n*o-e 6aD (*t? 19'1) s1a.. not <e va.#) %n.ess #t <ears t1e P(5 of t1e )epos#tor.
Geep#n$ #n v#ew t1e a<ove a-en)-ents? t1e off#*es are a)v#se)? as %n)erA ;< K1ere t1e pa/-ent to t1e part/ #s .#a<.e to 6&! an) t1e part/ 1as not 2%ote) P(5? to )e)%*t 6&! at )!)&r of t1e pres*r#<e) rate or 20%. 61e <as#* eDe-pt#on .#-#t an) t1e pres*r#<e) 6&! rates n (or#& are repro)%*e) <e.ow for rea)/ referen*e. PA8MENT TO RESIDENTS IN INDIA S5No5 Nat'r& o( Pa>m&nt Pr&$#rA&" TDS rat& ;S'r#)ar!&- N% =C&$$-N%< TDS %aA%& to A& "&"'#t&" + Int&r&$t on T&rm D&po$t$ ;Dom&$t# Compan> a$ ?&%% a$ ot)&r t)an Dom&$t# Compan>< 10% 0f t1e #nterest *re)#te) or pa#) (.#ke./ to <e *re)#te) or pa#)) )%r#n$ t1e f#nan*#a. /ear eD*ee)s `10?000/:.
P.!A 6&! +5 056,R,!6 +5 6,R8 &,P+!06! 5+6 L0(BL, 6+ B, &,&LC6,& (a) 0nterest #s *re)#te)/pa#) to an/ <ank#n$ *o-pan/? *o:operat#ve so*#et/ en$a$e) #n <ank#n$ <%s#ness? p%<.#* f#nan*#a. #nst#t%t#ons? t1e L#fe 0ns%ran*e Corporat#on? t1e Ln#t 6r%st of 0n)#a or not#f#e) 0nst#t%t#ons (on./ on re*e#pt of eDe-pt#on *ert#f#*ate fro- t1e taD a%t1or#t#es) (<) 0nterest ot1er t1an on t#-e )epos#ts. (*) 0nterest #s *re)#te) or pa#) on *o-pensat#on awar)e) </ t1e 8otor (**#)ent C.a#-s 6r#<%na. #f t1e a-o%nt of pa/-ent or t1e a$$re$ate a-o%nt of s%*1 pa/-ent )oes:not eD*ee) `50?000/: .5 Comm$$on or Arok&ra!& 10% 0f t1e #nterest *re)#te) or pa#) )%r#n$ t1e f#nan*#a. /ear eD*ee)s `5000/: *a5 R&nt o( p%ant an" 2% 0f t1e #nterest *re)#te) or pa#) )%r#n$ t1e OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 30
ma#)n&r> (?t) &((&#t (rom O#toA&r +,.--/< f#nan*#a. /ear eD*ee)s `1?80?000/: *A5 Rent of .an) or <%#.)#n$ or f%rn#t%re or f#tt#n$ ( ?t) &((&#t (rom O#toA&r +,.--/<
+-F 0f t1e #nterest *re)#te) or pa#) )%r#n$ t1e f#nan*#a. /ear eD*ee)s `1?80?000/: 25 F&&$ (or pro(&$$ona% or t&#)n#a% $&rB#&$ 10% 0f t1e a-o%nt *re)#te) or pa#) (.#ke./ to <e *re)#te) or pa#)) )%r#n$ t1e f#nan*#a. /ear eD*ee)s `30?000/: 35 Pa>m&nt to Contra#tor$,S'A- #ontra#tor$ 61e a-o%nt of an/ (s#n$.e) s%- *re)#te) or pa#) (.#ke./ to <e *re)#te) or pa#)) eD*ee)s `30?000/: an) t1e a$$re$ate of t1e a-o%nts of s%*1 s%-s *re)#te) or pa#) (.#ke./ to <e *re)#te) or pa#)) )%r#n$ t1e f#nan*#a. /ear )oes:not eD*ee) `75?000/: (a) Pa/-ent/*re)#t to an n"B"'a% or a HUF *ontra*tor/s%<: *ontra*tor ;?5&5( -+,+-,.--/< 1% (<) Pa/-ent/*re)#t to an/ person ot)&r t)an an #n)#v#)%a. or a >L" *ontra*tor/s%<: *ontra*tor ;?5&5( -+,+-,.--/< 2%
INTEREST PA8MENTS TO PERSONS NOT RESIDENTS IN INDIA Nat'r& o( Pa>m&nt In#om& Ta@ ;F< S'r#)ar!& ;F< C&$$ ;F< Tota% ;F< (. 0n *ase w1ere t1e person (ot1er t1an *o-pan/) w1#*1 #s not res#)ent #n 0n)#a 0% : 0.90% 0.90% B. (#) 0n *ase of a *o-pan/ w1#*1 #s not a )o-est#* *o-pan/ (w1ere t1e tota. #n*o-e "o&$-not &@#&&" ` one *rore) 40% : 1.2% 41.20% (#) 0n *ase of a *o-pan/ w1#*1 #s not a )o-est#* *o-pan/ (w1ere t1e tota. #n*o-e &@#&&"$ ` one *rore) 40% 0.1% 1.224% 42.02% 0t #s re#terate) t1at %n)er t1e eD#st#n$ prov#s#ons of t1e 0n*o-e 6aD (*t? 19'1 an) *#r*%.ars #ss%e) t1ere %n)er? no taD #s re2%#re) to <e )e)%*te) at so%r*e on pa/-ent of #nterest to t1e 1o.)ers of 5on CRes#)ent (,Dterna.) (**o%nt an) "C5R )epos#ts as per eDtant r%.es.
0t #s *.ar#f#e) t1at #n t1e *ase of pa/-ents to persons res#)ent o%ts#)e 0n)#a w1#*1 are .#a<.e for 6&! #.e.? ot1er t1an 5on CRes#)ent (,Dterna.) (**o%nt an) "C5R )epos#ts? #f P(5 #s not 2%ote) </ t1e part/? 6&! at t1e afore:sa#) rates #s to <e )e)%*te) as t1ese rates are 1#$1er t1an 20%.
;< Not to a##&pt RForm +3 6,Form +3HR (rom an> o( t)& "&po$tor$ 'n%&$$ PAN o( t)& "&po$tor $ J'ot&" on t)& r&$p&#tB& (orm$5 OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 31
I. TIME LIMIT FOR DEPOSIT OF TDS = ISSUE OF TDS CERTIFICATES
;a< SALAR8 TIME LIMIT FOR DEPOSIT OF TAQ B8 THE BAN9 TIME LIMIT FOR ISSUE OF TDS CERTIFICATE TO THE EMPLO8EE TDS CERTIFICATE IN "or !a.ar/ *re)#te)/Pa#) #n t1e -ont1 of 8ar*1 - On or A&(or& *-t) Apr%
"or sa.ar/ *re)#te)/ pa#) ot1er t1an t1e -ont1 of 8ar*1
Wt)n 1 "a>$ fro- t1e en) of t1e -ont1 #n w1#*1 taD #s )e)%*te)
B/ *+$t Ma> of t1e f#nan*#a. /ear #--e)#ate./ fo..ow#n$ t1e f#nan*#a. /ear #n w1#*1 t1e sa.ar/ was pa#) an) taD )e)%*te). Rev#se) "+R8 5o. 1' to <e $$'&" Ann'a%%>.
;A< PA8MENTS OTHER THAN SALAR8 TIME LIMIT FOR DEPOSIT OF TAQ B8 THE BAN9 TIME LIMIT FOR ISSUE OF TDS CERTIFICATE TDS CERTIFICATE IN (-o%nt *re)#te)/Pa#) #n t1e -ont1 of 8ar*1
Wt)n 1 "a>$ fro- t1e en) of t1e -ont1 #n w1#*1 taD #s )e)%*te)
K#t1#n 15 )a/s fro- t1e )%e )ate for f%rn#s1#n$ state-ent of )e)%*t#on of taD #.e.? 6&! Ret%rn (Refer 0te- 2 for &%e )ate) .
Rev#se) "+R8 5o. 1'( to <e $$'&" P'art&r%>.
II5 DUE DATE FOR FILIN6 TDS RETURNS 61e )%e )ate for f%rn#s1#n$ 6&! ret%rn for t1e 2%arter en)#n$ 8ar*1 1as <een -o)#f#e) to 15 t1 8a/ (fro- ear.#er J%ne). (**or)#n$./? t1e rev#se) )%e )ates for &-(%n! t1e 6&! ret%rns areA
&es#$nat#on Powers to sett.e a**o%nts %n)er t1e !*1e-e Bran*1 0n*%-<ent (#n t1e !*a.e of J84!:0 to 884!:000) 5P( a**o%nts w#t1 pr#n*#pa. o%tstan)#n$ %pto Rs. .00 La* Bran*1 0n*%-<ent (#n t1e !*a.e of !84!:0@ an) a<ove) 5P( a**o%nts w#t1 pr#n*#pa. o%tstan)#n$ %pto Rs. 5.00 La* 00n) 8an at Re$#ona. +ff#*es 5P( a**o%nts w#t1 pr#n*#pa. o%tstan)#n$ -ore t1an Rs. .00 La* an) %pto Rs. 5.00 La* Re$#ona. >ea) 5P( a**o%nts w#t1 pr#n*#pa. o%tstan)#n$ -ore t1an Rs. 5.00 La* an) %pto Rs. 10.00 La* 61e )eta#.s of feat%res -ent#one) at po#nt no. 1 to 4 a<ove are $#ven as %n)erA
Crt&ra (or S&tt%n! &%!A%& NPA a##o'nt$D
)) 5P( a**o%nts se*%re) </ persona. $%arantee of eD#st#n$ staff -e-<er? w#.. not <e e.#$#<.e %n)er t1e approve) s*1e-e. e) 61e 5P( a**o%nts of t1e staff an) re.at#ves of t1e staff -e-<ers w#.. not <e *overe) %n)er t1e approve) s*1e-e. $) 61e *ases of fra%)? -a.feasan*e an) ot1er *ases w1ere *r#-#na. a*t#ons 1ave <een #n#t#ate)? s1a.. <e forwar)e) to >ea) +ff#*e as per t1e s/ste- #n vo$%e. 1) !ett.e-ent proposa.s #n 5P( a**o%nts? #n a.. *ases? san*t#one) </ t1e sa-e person (</ na-e) w#.. <e forwar)e) to t1e neDt 1#$1er a%t1or#t/.
#) 61e +6! !*1e-e for sett.e-ent of 5P( a**o%nts w#t1 o%tstan)#n$ %pto Rs. 5.00 La* 1as a.rea)/ eDp#re) on 0.09.2011. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 34
Po%#> (or &n!a!&m&nt , &mpan&%m&nt o( r&#oB&r> a!&nt$, o't$"& a!&n#&$ (or r&#oB&r> (.. 5P( a**o%nts #n )o%<tf%. or .oss *ate$or/ #n*.%)#n$ s%#t f#.e) an) )e*ree) a**o%nts w#t1 t1e pr#n*#pa. o/s. not eD*ee)#n$ M10.00 .a* ( #n*.%)#n$ 6K+? ,C4C/ &0C4C s1a.. <e e.#$#<.e for a..ot-ent to Re*over/ ($ents for re*over/ of <anks )%es eD*ept on$o#n$ sett.e-ent a**o%nts. Co--#ttee 1ea)e) </ Re$#ona. >ea) #s e-powere) to e-pane. t1e .#st of re*over/ a$ent. ,-pane.-ent w#.. <e #n#t#a../ for a -aD#-%- per#o) of 2 /ears. 100 1o%rs *ert#f#*ate *o%rse for &#re*t Re*over/ ($ent #ntro)%*e) </ 00B" / (RC0L/ Bank of 0n)#a 1as to <e %n)ertaken fro- a$ent. !e*%r#t/ <ank )epos#t / <ank $%arantee for M1.00 .a* 1as to <e pro)%*e) to t1e <ank </ t1e f#r- as a pre:*on)#t#on. Co--#ss#on pa/a<.e to re*over/ a$ent #s -#n#-%- '% to 10% for a**o%nts 1av#n$ o/s. %pto M1.00 .a*s an) 4% to 10% for a**o%nts 1av#n$ o/s. a<ove M1.00 .a*s )epen)#n$ %pon t1e a$e of 5P(. 61#s a-o%nt #s pa#) </ )e<#t of *1ar$es $enera. (.aw).
Corporat& D&At R&$tr'#t'rn! ;CDR< 61ere are two *ate$or#es of )e<t restr%*t%r#n$ %n)er t1e C&R s/ste-. one *ate$or/ re.ate) to a**o%nts *.ass#f#e) as Istan)ar)I an) Is%<stan)ar)I #n t1e <ooks of t1e *re)#tors ( *ate$or/ 1) w1#.e *ate$or/ 2 re.ate) to a**o%nts *.ass#f#e) as I)o%<tf%.I an) I.ossI. 61e C&R w#.. not app./ to a**o%nts #nvo.v#n$ on./ one f#nan*#a. #nst#t%t#on or one <ank. 0t *overs on./ -%.t#p.e <ank#n$ a/*s? s/n)#*at#on/ *onsort#%- a/*s 1av#n$ o%tstan)#n$ <ot1 f%n) <ase) an) non:f%n) <ase) eDpos%re of M20.00 *rore an) a<ove </ t1e <anks an) #nst#t%t#ons. Corporate #n)%.$#n$ #n fra%) an) -a.feasan*e even #n s#n$.e <ank *ont#n%e to re-a#n #ne.#$#<.e for restr%*t%r#n$ %n)er C&R -e*1an#s-. C&R #s for t1e 1e.p of v#a<.e ent#t#es fa*#n$ pro<.e-s o%ts#)e t1e p%rv#ew of B0"R? &R6 an) ot1er .e$a. pro*ee)#n$s. >owever? s%#t f#.e *ases *an <e *ons#)ere) e.#$#<.e prov#)e)? #n#t#at#ve to reso.ve t1e *ase %n)er t1#s s/ste- #s taken </ at .ease 75% of t1e *re)#tors ( </ va.%e ) an) '0% of *re)#tors (</ n%-<ers). L#kew#se .ar$e va.%e B0"R *ases -a/ <e e.#$#<.e %n)er t1e s/ste- #f spe*#f#*a../ re*o--en)e) </ t1e C&R *ore $ro%p. C&R 1as 0 t#er str%*t%re #.e. C&R stan)#n$ for%- an) #ts *ore $ro%p? C&R e-powere) $ro%p an) C&R *e... C&R stan)#n$ for%- evo.ve po.#*#es an) $%#)e.#nes for work#n$ o%t )e<t restr%*t%r#n$ p.ans. 0t *o-pr#ses of C8&? 0&B0? !B0 8& = C,+ 0C0C0 Bank? C1a#r-an 0B( an) C8&s of a.. <ank an) f#nan*#a. #nst#t%t#ons. RB0 Eo#ne) t1e for%- on./ for prov#)#n$ <roa) $%#)e.#nes. 61e for%- w#.. e.e*t #ts *1a#r-an for one /ear. C&R *ore $ro%p #s a part of for%- *ons#sts of C1#ef ,De*%t#ves of 0&B0? !B0? 0C0C0 B(5G? B+B? P5B an) 0B( an) representat#ves of fore#$n <anks #n 0n)#a. 0t eDa-#nes t1e #n)#v#)%a. *ases s%<-#tte) </ C&R *e.. of #ts v#a<#.#t/ an) re1a<#.#tat#on potent#a. of t1e *o-pan/ an) approve t1e restr%*t%r#n$ pa*ka$e w#t1#n 90 )a/s or at <est w#t1#n 180 )a/s of referen*e to t1e e-powere) $ro%p. C&R *e.. #s t1e pr#-ar/ <o)/ of C&R -e*1an#s- an) ass#st t1e C&R stan)#n$ for%- an) C&R e-powere) $ro%p to -ake t1e #n#t#a. s*r%t#n/ of t1e proposa. re*e#ve) fro- <orrowers/ *re)#tors. !tan) st#.. a$ree-ent #s an #-portant a$ree-ent of )e<tor:*re)#tor a$ree-ent <#n)#n$ for 90 )a/s or 180 )a/s </ <ot1 s#)es. Ln)er t1#s *.a%se? part#es *o--#t t1e-se.ves not to take re*o%rse of an/ ot1er *#v#. a*t#on )%r#n$ t1e stan)st#.. per#o). >owever? t1#s *o--#t-ent w#.. not *over an/ *r#-#na. a*t#on. 61#s w#.. ens%re t1e C&R s/ste- to %n)ertake t1e ne*essar/ )e<t restr%*t%r#n$ eDer*#se w#t1o%t an/ o%ts#)e #ntervent#on? E%)#*#a. or ot1erw#se. ())#t#ona. f#nan*e %n)er restr%*t%re w#.. <e *ate$or#;e) as stan)ar) %pto a per#o) of one /ear after t1e f#rst #nterest / pr#n*#pa. pa/-ent? w1#*1ever #s ear.#er? fa.. )%e %n)er t1e restr%*t%r#n$ pa*ka$e. C&R #n *ase of )o%<tf%. an) .oss a**o%nts? restr%*t%r#n$ of *orporate )e<ts %n)er C&R s/ste- *o%.) take p.a*e #n sta$esB (a) <efore *o--en*e-ent of *o--er*#a. pro)%*t#on (<)after *o--er*#a. pro)%*t#on an) t1e asset 1as <een *.ass#f#e) as s%<stan)ar) or )o%<tf%. (*) after start of *o--er*#a. pro)%*t#on an) t1e asset 1as <een *.ass#f#e) as s%<stan)ar) or )o%<tf%.. 0n *ase of (a) or (<) stan)ar) asset w#.. <e*o-e stan)ar) after restr%*t%r#n$ #n *ase of f#rst restr%*t%r#n$. !e*on) t#-e restr%*t%r#n$ #s poss#<.e after *.ass#f#*at#on of a**o%nt as 5P(. 0n OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 35
*ase of (*) asset w#.. re-a#n 5P( for 12 -ont1s #.e. t#.. sat#sfa*tor/ perfor-an*e as per t1e ter-s of C&R. K#..f%. )efa%.ter C 0nfor-at#on #n re$ar) to w#..f%. )efa%.ter #s re2%#re) to <e s%<-#tte) to RB0 for a**o%nts 1av#n$ o%tstan)#n$ M25.00 .a*s an) a<ove on 2%arter./ <as#s. &e*#s#on to *.ass#f/ t1e a**o%nt as w#..f%. )efa%.t rests w#t1 t1e *o--#ttee 1ea)e) </ ,De*%t#ve &#re*tor. 61ere are t1ree )ef#n#t#ons of !#*k #n)%str#a. %n#t #.e. 5on:!!0 (B0"R)? 5on:!!0: 5on:B0"R %n#ts an) !#*k !!0 %n#ts. +ne #s app.#e) to B0"R *ases an) ot1er one for !!0 %n#ts. !#*k 5on !!0 %n#t ( B0"R *ases) : (n #n)%str#a. %n)ertak#n$ #s )ef#ne) as !#*k 0n)%str#a. Co-pan/ #f #t 1as <een #n eD#sten*e for at .east 5 /ears an) 1as #n*%rre) .osses an) t1e a**%-%.ate) .osses are -ore t1an #ts net wort1. S #k,W&ak Non-SSI, Non-BIFR Un t$ 0f t1e a**%-%.ate) .osses of an #n)%str#a. *o-pan/ as at t1e en) of an/ f#nan*#a. /ear 1ave res%.te) #n eros#on of f#ft/ per*ent or -ore of #ts peak net wort1 )%r#n$ t1e #--e)#ate./ pre*e)#n$ fo%r f#nan*#a. /ears t1e *o-pan/ #s ter-e) as potent#a../ s#*k #n)%str#a. *o-pan/ or weak #n)%str#a. %n#t. 61e a<ove )ef#n#t#on of weak %n#t w#.. a.so app./ to a.. for-s of or$an#;at#ons #n*.%)#n$ .#-#te) *o-pan#es? partners1#p f#r-s an) propr#etar/ *on*erns. 0t w#.. #n*.%)e ot1er %n#ts not *overe) </ t1e )ef#n#t#on of s#*k/weak %n#ts $#ven #n t1e !0C(? 1985. SIC9 SSI UNITS ( !!0 %n#t -a/ <e *.ass#f#e) as s#*k w1en: (n !!0 %n#t s1o%.) <e *ons#)ere) I!#*kI #f a) an/ of t1e <orrowa. a**o%nts of t1e %n#t re-a#ns s%<stan)ar) for -ore t1an s#D -ont1s #.e. pr#n*#pa. or #nterest? #n respe*t of an/ of #ts <orrowa. a**o%nts 1as re-a#ne) over)%e for a per#o) eD*ee)#n$ one /ear. 61e re2%#re-ent of over)%e per#o) eD*ee)#n$ one /ear w#.. re-a#n %n*1an$e) even #f t1e present per#o) for *.ass#f#*at#on of an a**o%nt as s%<:stan)ar)? #s re)%*e) #n )%e *o%rse. (fter t1e E%)$e-ent of >on9<.e !%pre-e Co%rt of 0n)#a #n t1e *ase of 8/! Ln#2%e B%t/.e 6%<e 0n)%str#es Pvt. Lt). vs L .P. "#nan*#a. Corporat#on an) ot1ers? RRC #s f#.e) for a-o%nt a<ove M10.00 .a*s an) a<ove M10.00 .a* t1e *.a#- #s f#.e) <efore t1e *o-petent &R6 #nstea) of f#.#n$ RRC. NPA NORMS 0nterest an) or #nsta..-ents of pr#n*#pa. re-a#n over)%e for a per#o) of -ore t1an 90 )a/s #n respe*t of a ter- .oan. 61e a**o%nt re-a#ns 7o%t of or)er9 for a per#o) of -ore t1an 90 )a/s #n respe*t of over)raft/*as1 *re)#t 61e <#.. re-a#ns over)%e for a per#o) of -ore t1an 90 )a/s #n *ase of <#.. p%r*1ase) an) )#s*o%nte) 0nterest an) /or #nsta..-ent of pr#n*#pa. re-a#ns over)%e for two 1arvest seasons <%t for a per#o) not eD*ee)#n$ two 1a.f /ear #n t1e *ase of an a)van*e $rante) for a$r#*%.t%re p%rpose? an) w.e.f.0.09.04 fo..ow#n$ f%rt1er a-en)-ents #ss%e) </ t1e (peD Bank a. ( .oan $rante) for s1ort )%rat#on *rops w#.. <e treate) as 5P(? #f t1e #nsta..-ent of pr#n*#pa. or #nterest t1ereon re-a#ns over)%e (or t?o #rop$ $&a$on$5 <. 61e .oan $rante) for .on$ )%rat#on *rops w#.. <e treate) as 5P(? #f t1e #nsta..-ent of pr#n*#pa. or #nterest t1ereon re-a#ns over)%e (or on& #rop $&a$on. (Crop season for ea*1 *rop wo%.) <e )eter-#ne) </ t1e !tate Leve. Bankers9 Co--#ttee #n ea*1 state) (n/ a-o%nt to <e re*e#ve) re-a#ns over)%e for a per#o) of -ore t1an 90 )a/s #n respe*t of ot1er a**o%nts. RB0 to -ove over to *1ar$#n$ of #nterest at -ont1./ rest ? w.e.f. 01.04.02 NPA CATE6OR8 RE7ISED NORMS ?5&5(5 *+5-*5-3 !%< C stan)ar) assets ( s%< stan)ar) asset wo%.) <e one? w1#*1 1as re-a#ne) 5P( for a per#o) .ess t1an or e2%a. to 12 -ont1s &o%<tf%. assets 0f #t eD*ee)s a s%< stan)ar) *ate$or/ for -ore t1an 12 -ont1s Loss assets 5o se*%r#t/ #n t1e a**o%nt an) as #)ent#f#e) </ <ank/ #nterna./ eDterna. a%)#tors or RB0 as .oss assets OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 36
0f rea.#;a<.e va.%e of t1e se*%r#t/ #s .ess t1an 50% of w1at va.%e) at t1e t#-e of san*t#on or .ast #nspe*t#on? s%*1 5P( -a/ <e stra#$1tawa/ *.ass#f#e) %n)er )o%<tf%. *ate$or/ 0f rea.#;a<.e va.%e of t1e se*%r#t/ #s .ess t1an 10% of present o/s? s%*1 5P( -a/ <e stra#$1tawa/ *.ass#f#e) %n)er .oss *ate$or/ +%r <ank 1as f#De) M50 .ak1s an) a<ove a**o%nts as 1#$1 va.%e a**o%nts (.. t1e fa*#.#t#es $rante) </ a <ank to a <orrower w#.. 1ave to <e treate) as 5P( an) not t1e part#*%.ar fa*#.#t/ or part t1ereof w1#*1 1as <e*o-e #rre$%.ar. 61e a**o%nt w1#*1 are r%nn#n$ re$%.ar an) are *.ass#f#e) as stan)ar) s1a.. not <e *ate$or#;e) 5P( *ate$or/ even #f an/ of t1e )#re*tors/partners are *o--on #n ot1er a**o%nts w1#*1 1ave <een *.ass#f#e) as 5P( Restr%*t%re)/Res*1e)%.e a**o%nts C %p$ra)e) after one /ear s%<Ee*t to sat#sfa*tor/ perfor-an*e )%r#n$ t1e per#o). 5P( a**o%nts s1a.. <e #--e)#ate./ %p$ra)e) on pa/-ent of #rre$%.ar port#on.
PRO7ISIONIN6 NORMSD Rat&$ o( ProB$onn! (or Non-P&r(ormn! A$$&t$ an" R&$tr'#t'r&" A"Ban#&$ Cat&!or> o( A"Ban#&$ E@$tn! Rat& ;F< R&B$&" Rat& ;F< S'A- $tan"ar" A"Ban#&$D R !e*%re) ,Dpos%res R Lnse*%re) ,Dpos%res [ Lnse*%re) ,Dpos%res #n respe*t of 0nfrastr%*t%re .oan a**o%nts w1ere *erta#n safe$%ar)s s%*1 as es*row a**o%nts are ava#.a<.e.
10 20 15
+3 .3 .- Do'At('% A"Ban#&$ I Un$&#'r&" PortonD 100 +-- Do'At('% A"Ban#&$ I S&#'r&" PortonA R "or &o%<tf%. %pto 1 /ear R "or &o%<tf%. \ 1 /ear an) %pto /ears R "or &o%<tf%. \ /ears
20 0 100
.3 2- +-- Lo$$ A"Ban#&$D 100 100 R&$tr'#t'r&" a##o'nt$ #%a$$(&" a$ $tan"ar" a"Ban#&$D R #n t1e f#rst two /ears fro- t1e )ate of restr%*t%r#n$ B an) R #n *ases of -orator#%- on pa/-ent of #nterest/pr#n*#pa. after restr%*t%r#n$ C per#o) *over#n$ -orator#%- an) two /ears t1ereafter.
0.25 to 1.00 ()epen)#n$ %pon t1e *ate$or/ of a)van*e)
. Restr%*t%re) a**o%nts ear.#er *.ass#f#e) as 5P( an) .ater %p$ra)e) to stan)ar) *ate$or/ R #n t1e f#rst /ear fro- t1e )ate of %p$ra)at#on 0.25 to 1.00 ()epen)#n$ %pon t1e *ate$or/ of a)van*e) .
+5 Stan"ar" A$$&t$ I a. &#re*t a)v. to ($r#*%.t%re an) !8, se*tor 0.25% <. (.. ot1er a)van*es at 0.40% OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 37
(61e prov#s#on on stan)ar) assets s1o%.) not <e re*kone) for arr#v#n$ at net 5P(s)
(61e prov#s#ons towar)s stan)ar) assets nee) not <e nette) fro- $ross a)van*es <%t s1own separate./ as FCont#n$ent prov#s#on a$a#nst stan)ar) assetsH %n)er F+t1er .#a<#.#t/ = prov#s#ons +t1ersH #n !*1e)%.e:@ of t1e Ba.an*e !1eet) COMPROMISE SETTLEMENT POLIC8 OF OUR BAN9D 1. Ca.*%.at#n$ #nterest on s#-p.e <as#s fro- t1e )ate of 5P( 2. 61e rate of #ntt. #.e. at PLR or rate of #ntt. *1ar$e) on t1e .oan a**o%nt w1#*1ever #s .ower on s#-p.e <as#s fro- t1e )ate of 5P( or )ate or reversa. of #nterest w1#*1ever #s ear.#er #n *ase of )o%<tf%. an) .oss a**o%nt. 0n respe*t of s%<:stan)ar) assets? t1e a-o%nt of re.#ef s1a.. <e *a.*%.ate) app./#n$ *ontra*te) rate of #nterest on s#-p.e <as#s . 61e a**o%nts w1ere preva#.#n$ rate of #nterest *1ar$e) as per s*1e-e e.$. 1o%s#n$ .oan? e)%*at#on .oan et*. #s <e.ow PLR. Re*or)e) #nterest s1a.. <e *a.*%.ate) as per preva#.#n$ rate of #nterest #nstea) of PLR for *a.*%.at#n$ sett.e-ent a-o%nt. 4. 0t s1o%.) <e ens%re) t1at at .east 10% to 25% of offer a-o%nt s1a.. <e o<ta#ne) as %pfront a-o%nt. 5. 0n *ase of )e*ree) a**o%nt? tota. re*overa<.e )%es s1a.. <e *a.*%.ate) as per ter-s of t1e )e*ree. '. 61e *a.*%.at#on of sett.e-ent a-o%nt s1a.. <e <ase) on net present va.%e of rea.#;a<.e va.%e of se*%r#t/ #n *ase of )o%<tf%. an) .oss 5P( a**o%nts. Po%#> on Comprom$& = N&!otat&" S&tt%&m&nt$ In NPA A##o'nt$ 1. Do'At('% = Lo$$ A$$&t$ ot)&r t)an D&#r&&" A##o'nt$ "or as*erta#n#n$ t1e 6ota. Re*overa<.e &%es? Bank s1a.. *ont#n%e to a)opt t1e s/ste- of 8o)%.e 0nterest (pproa*1? #.e. *a.*%.at#on of #nterest on s#-p.e <as#s #nstea) of *o-po%n)#n$ <as#s fro- t1e )ate of 5P( on pr#n*#pa. a-o%nt on re)%*#n$ <a.an*es an) t1e rate of #nterest s1a.. <e rea.#st#* #.e. at present PLR or rate of #nterest present./ *1ar$e) on t1e .oan a**o%nt? w1#*1ever #s .ower. 2. D&#r&&" A##o'nt$ 6ota. .#a<#.#t/ of t1e <orrower s1a.. <e *a.*%.ate)? as per ter-s of t1e )e*ree? #.e. rate of #nterest awar)e) #n t1e )e*ree w#t1 *%-%.at#ve effe*t or s#-p.e s1a.. <e as per &e*ree. . S'A-Stan"ar" A$$&t$ 0n respe*t of s%<:stan)ar) assets? t1e a-o%nt of Re*overa<.e &%es s1a.. <e *a.*%.ate) app./#n$ *ontra*te) rate of #nterest or present./ *1ar$e) rate of #nterest on t1e .oan a**o%nt? w1#*1ever #s .ower? on s#-p.e <as#s fro- t1e )ate of 5P(. 61e a-o%nt of %nrea.#;e) #nterest reverse) at t1e t#-e of )e*.ar#n$ t1e a**o%nt 5P( for t1e f#rst t#-e s1a.. <e a))e). T-e salient %eatures o% t-e a!!ro#e$ amen$ments are as un$erE- 5et present va.%e of rea.#;a<.e va.%e of pr#-ar/ / *o..atera. se*%r#t#es s1a.. <e *a.*%.ate) as per )eta#.e) for-%.a $#ven %n)er. 61e *a.*%.at#on of sett.e-ent a-o%nt s1a.. <e <ase) on net present va.%e of rea.#;a<.e va.%e of se*%r#t#es #n *ase of )o%<tf%. an) .oss 5P( a**o%nts? 0n *ase of a.. t1ose <orrowa. a**o%nts? w1ere#n awar) staff 1as $%arantee) / ava#.e) t1e .oan an) 1as ret#re) or #s not a.#ve? t1e sett.e-ent proposa. s1a.. <e *ons#)ere) / a..owe) </ t1e C1a#r-an = 8ana$#n$ &#re*tor. 0n *ase of a.. t1ose <orrowa. a**o%nts? w1ere#n +ff#*er 1as $%arantee) / ava#.e) t1e .oan an) 1as ret#re) or #s not a.#ve? t1e sett.e-ent proposa. s1a.. <e *ons#)ere) / a..owe) </ t1e 8ana$e-ent Co--#ttee of t1e Boar). !e*on)-an of R+ )oes not 1ave power to sett.e-ent t1e a**o%nt %n)er t1e po.#*/ Ca%#'%aton o( N&t Pr&$&nt 7a%'& O( R&a%EaA%& 7a%'& O( C)ar!&" Prmar> , Co%%at&ra% S&#'rt&$ (a) &#stress @a.%e of *1ar$e) pr#-ar// *o..atera. se*%r#t#es Q1 N r / 100P n r O Preva#.#n$ PLR of t1e Bank n O 5o. of /ears for rea.#;at#on of se*%r#t#es <ase) on t1e *o-p.#*#t/ of t1e *ase. (<) "ro- t1e a-o%nt *a.*%.ate) as (a) a<ove? as eDpenses towar)s *ost/ eDpenses/ "ee pa/a<.e to ,nfor*e-ent ($ent et*. for rea.#;at#on of se*%r#t#es <e )e)%*te). (*) 5et Present @a.%e of Rea.#;a<.e @a.%e of C1ar$e) !e*%r#t#es O (a) C (<) OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 38
TAMASU9 DEED C 6o <e o<ta#ne) on sta-p paper </ <orrower/$%arantors. 0t *onta#ns t1e ter-s of san*t#on of sett.e-ent an) #n *ase of )efa%.t #n repa/-ent of sett.e-ent? t1e <orrower (o<.#$ant) s1a.. .#a<.e to pa/ t1e w1o.e a-o%nt )%e on t1e )ate of )efa%.t a.on$w#t1 *o-p.ete #nterest .#a<#.#t/ on ent#re )%es of t1e <ank an) .#t#$at#on eDpenses #n*%rre)/to <e #n*%rre) </ t1e <ank.
61e 8ana$e-ent Co--#ttee of t1e Boar) w#.. <e t1e *o-petent a%t1or#t/ to *ons#)er an) san*t#on t1e *re)#t fa*#.#t#es to ,D:*.#ents of o%r <ank /*.#ents of ot1er <anks w1o 1a) a)E%ste) t1e#r a**o%nt %n)er *o-pro-#se/ne$ot#ate) sett.e-ent.
Important %$t o( Empan&%%&" $'pportn! a!&nt$ o( o'r AankD
A$$&t$ R&#on$tr'#ton Compan> ;I< LTD5;ARCIL): >ea) off#*e at 8%-<a# C "#rst (RC #n t1e *o%ntr/? .#*ense) </ RB0 %n)er t1e !(R"(,!0 (*t. 2002 w1#*1 1as <een pro-ote) </ !B0?0C0C0 Bank? 0&B0 = ot1er Pr#vate !e*tor Bank/#nst#t%t#ons C F'n#tonn! C P%r*1ase of 5P( of t1e *o--er*#a. <anks "#nan*#a. #nst#t%t#ons.
Som& mportant 6'"&%n&$ on p'r#)a$&,$a%& o( Non p&r(ormn! Fnan#a% A$$&t$D
1. ( non perfor-#n$ f#nan*#a. asset s1o%.) <e 1e.) </ t1e p%r*1as#n$ <ank #n #ts <ooks at .east for a per#o) of 15 -ont1s <efore #t #s so.) to ot1er <anks. Banks s1o%.) not se.. s%*1 assets <a*k to t1e <ank? w1#*1 1a) so.) t1e 5P"( 2. 61e non perfor-#n$ f#nan*#a. asset p%r*1ase)? -a/ <e *.ass#f#e) as !tan)ar) #n t1e <ooks of t1e p%r*1as#n$ <ank for a per#o) of 90 )a/s fro- t1e )ate of p%r*1ase. . 0f t1e sa.e pr#*e <e.ow t1e net <ook va.%e (5B@) (#.e. <ook va.%e .ess prov#s#ons 1e.)) t1e s1ortfa.. s1o%.) <e )e<#te) to t1e prof#t an) .oss a**o%nt of t1at /ear. 4. 0f t1e sa.e #s for a va.%e 1#$1er t1an t1e 5B@? t1e eD*ess prov#s#ons s1a.. not <e reverse) <%t w#.. <e %t#.#;e) to -eet t1e s1ortfa../.oss on a**o%nt of sa.e of ot1er non perfor-#n$ f#nan*#a. assets. 5. "or t1e p%rpose of *ap#ta. a)e2%a*/? <anks s1o%.) ass#$n 100% r#sk we#$1ts to t1e non perfor-#n$ f#nan*#a. p%r*1ase) fro- ot1er <ank. T)& t&rm RP'#k Morta%t>R m&an$ an" n#%'"&$ t)& %oan a##o'nt$ t)at A&#am& NPA ?t)n a p&ro" o( +. mont)$ (rom t)& "at& o( (r$t "$A'r$&m&nt5
EAS,SMA 1. ,(! C 001( (,ar./ (.ert !/ste-) w1ere t1e #rre$%.ar#t/ #s pers#st#n$ $reater t1an 1 )a/ to 0 )a/s for #nterest / #nsta.-ent pa/-ent #n CC/+&/ L+(5!/B#..s P%r*1ase) et*. an) %pto 90 )a/s #n *ase of non s%<-#ss#on of sto*k state-ent an) renewa. of san*t#on .#-#t an) %pto 180 )a/s #n *ase of a$r#*%.t%re 1arvest re.ate) .oans an) a)van*es.
2. !8(: 002(!pe*#a. 8ent#on (**o%nts) w1ere t1e #rre$%.ar#t/ #s pers#st#n$ $reater t1an 0 )a/s to 90 )a/s for #nterest / #nsta.-ent pa/-ent #n CC/+&/ L+(5! /B#..s P%r*1ase) et*. an) %pto 180 )a/s #n *ase of non s%<-#ss#on of sto*k state-ent an) renewa. of san*t#on .#-#t an) %pto one /ear #n *ase of a$r#*%.t%re 1arvest re.ate) .oans an) a)van*es.
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 3
LOAN AND AD7ANCES D$po$a% o( Loan app%#aton$ 'pto M 35-- %a#$ Cat&!or> o( Aorro?&r an" $E& o( %mt Tm& norm$ (or "$po$a% Loan %pto 25000/:for s-a.. <orrower K#t1#n two weeks of re*e#pt of .oan app.#*at#on prov#)e) #t #s *o-p.ete #n a.. respe*t (.. ot1er *ases for .oans %pto M 5 .a*s K#t1#n 4 weeks C )o : ReEe*t#on of .oan proposa. C !C/!6? !!0? ,YP+R6 app.#*at#on *an <e reEe*te) on./ neDt 1#$1er a%t1or#t/
S>$t&m o( a$$&$$m&nt o( #r&"t %mt$ Upto M 3 #ror&$ ;Na>ak Commtt&&< C 61e work#n$ *ap#ta. .#-#t of t1e <orrowers w#t1 work#n$ .#-#ts %pt o M 5 *rores #n *ase of !8, %n#ts/ot1er %n#ts #s *o-p%te) on t1e <as#s of 20% of t1e#r rea.#st#* proEe*te) t%rnover s%<Ee*t to t1e *on)#t#on t1at a -#n#-%- -ar$#n of 5% of t%rnover s1a.. <e <ro%$1t #n </ t1e pro-oters/<orrowers as t1e#r own *ontr#<%t#on. C%rrent rat#o s1o%.) <e -#n#-%- 1.17
AAoB& M 3 #ror&$ ;Tan"on Commtt&&< C 61e 8PB" s/ste- #s propose) to <e *ont#n%e) an) %n#for-./ fo..owe) for a.. <orrowers w#t1 work#n$ *ap#ta. .#-#t a<ove M 5 *rores. (pp./ 00n) -et1o) of .en)#n$? *%rrent rat#o s1o%.) <e -#n#-%-1.. Consort#%- f#nan*#n$ C 61e RB0 $%#)e.#nes for -an)ator/ for-at#on of *onsort#%- #n respe*t of work#n$ *ap#ta. .#-#ts of M 50 *rores an) a<ove for t1e <ank#n$ s/ste- stan)s w#t1)rawn. P%<.#* se*tor %n)ertak#n$s (owne) </ t1e state / *entra. $ovt) ra#s#n$ *orporate .oan / ter- .oan et*. -a/ not <e s%<Ee*te) to an/ pre:san*t#on/ post san*t#on v#s#t. 5o pena. #nterest <e *1ar$e) for P! ()van*es : %p to M 25000 5o Pena. 0nterest <e *1ar$e) after t1e )ate of 5P( 5o pena. #nterest <e *1ar$e) #n ,)%*at#on Loan (/* : %p to M 4 .a* 61e -aD#-%- per#o) of <r#)$e .oan s1a.. not eD*ee) 1 /ear. 61e san*t#on of <r#)$e .oan s1a.. <e a**o--o)ate) w#t1#n t1e *e#.#n$ of 40% of 5et Kort1 to *ap#ta. -arket an) *an <e san*t#one) </ >+ on./. (.. fres1 *re)#t proposa.s (<ot1 f%n) <ase) an) non f%n) <ase)) eD*ee)#n$ Rs.25 *rore s1a.. <e referre) 5B4 (5ew B%s#ness 4ro%p) 1ea)e) </ C8&. 48 (Lar$e Corporate Cre)#t) w#.. <e t1e Convener of t1e 5B4. 0n ter-s of !e*t#on 19 (2) of t1e Bank#n$ Re$%.at#on (*t? 1949? t1e <anks s1o%.) not 1o.) s1ares #n an/ *o-pan/ eD*ept as prov#)e) #n s%<:se*t#on (1) w1et1er as p.e)$ee? -ort$a$ee or a<so.%te owner? of an a-o%nt eD*ee)#n$ 0 per*ent of t1e pa#) %p s1are *ap#ta. of t1at *o-pan/ or 0% of #ts own pa#) %p s1ares *ap#ta. an) reserves? w1#*1ever #s .ess. 5o .oans to <e $rante) a$a#nst part./ pa#) s1ares. 5o .oans to <e $rante) to partners1#p/ propr#etors1#p *on*erns a$a#nst t1e pr#-ar/ se*%r#t/ of s1ares an) )e<ent%res. (.. t1e $%#)e.#nes #ss%e) </ t1e RB0 on 8one/ 8arket 8%t%a. "%n) (888") 1ave <een w#t1)rawn an) t1e <anks are to <e $%#)e) </ t1e !,B0 Re$%.at#ons #n t1#s re$ar). Bank *an not $rant .oan a$a#nst C&s (*ert#f#*ate of )epos#t)
B&n#)mark Rato &e<t e2%#t/ rat#o (&, rat#o) C 2A1Q>owever for !8,? Cap#ta. #ntens#ve #n)%str#es/ #nfrastr%*t%re proEe*ts sa-e -a/ <e *ons#)ere) %p to A1P Levera$e Rat#o C 4 Qfor !8,? *ap#ta. #ntens#ve #n)%str#es/ #nfrastr%*t%re proEe*ts = tra)#n$ *on*erns (w1ere *re)#tor are $enera../ ver/ 1#$1) %pto 'A1 -a/ <e *ons#)ere) on *ase to *ase <as#sP C%rrent Rat#o : 1.17 for .#-#t %p to 5 *rore 1. for .#-#t a<ove 5 *rore (for s%$ar #n)%str/ 1A1 )%r#n$ peak season) Loan app%#aton (orm$D 1. Loan "or- 5o.1 (L":1) C "or .oan ot1er t1an reta#. *re)#t OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 40
2. Loan "or- 5o.2 (L":2) C "or reta#. *re)#t . Loan "or- 5o. (L":) C "or ($r#*%.t%re .oan
Do#-*4 C Co--on ($ree-ent on "a#r Pra*t#*es/Len)er9s L#a<#.#t/ an) )#s*.os%re of #nfor-at#on to C0B0L C 6o <e o<ta#ne) fro- ea*1 an) ever/ <orrower eD*ept staff .oan A"Ban#& a!an$t E@$tn! ImmoBaA%& Propr&t>A !*1e-e rep.a*e) w#t1 OTLS
Ba$& Rat& Con#&ptD 61e Reserve <ank of 0n)#a *onst#t%te) a work#n$ $ro%p on <en*1-ark Pr#-e Len)#n$ Rate (PLR) to s%$$est *1an$es to -ake *re)#t pr#*#n$ -ore transparent. Base) on t1e re*o--en)at#ons of t1e $ro%p an) t1e s%$$est#ons fro- var#o%s stake 1o.)ers S>$t&m o( Ba$& Rat& 1) T)& Ba$& Rat& 1as rep.a*e) t1e BPLR s/ste- ?t) &((&#t (rom K'%> +, .-+-5 2) 61e Bank w#.. not %&n" A&%o? Ba$& Rat& eD*ept to t1e fo..ow#n$ *ate$or#esA: a. &R0 a)van*es <. Loans to t1e Bank9s own e-p.o/ees *. Loans to t1e Bank9s )epos#tors a$a#nst t1e#r own )epos#ts. ). 0n *ase of *rop .oan %p to Rs.00.ak1? for w1#*1 s%<vent#on #s ava#.a<.e? t1e Bank wo%.) *1ar$e far-ers t1e #nterest rates as st#p%.ate) </ t1e 4overn-ent. 0f t1e /#e.) to t1e Bank (after #n*.%)#n$ s%<vent#on) #s .ower t1an t1e Base Rate? s%*1 .en)#n$ w#.. not <e *onstr%e) to <e v#o.at#ve of Base Rate $%#)e.#nes. e. 0n *ase of eDport *re)#t? #f as a *onse2%en*e of #nterest rate s%<vent#on (to spe*#f#e) *ate$or#es)? t1e #nterest rate *1ar$e) to t1e eDporters $oes <e.ow t1e <ase rate? s%*1 .en)#n$ w#.. not <e *onstr%e) to <e v#o.at#ve of Base rate $%#)e.#nes. >owever? t1#s rate w#.. <e s%<Ee*t to a f.oor rate of 7%. f. 0n *ase of restr%*t%re) .oans #f so-e of t1e KC6L? "06L? et* nee) to <e $rante) <e.ow t1e <ase rate? s%*1 .en)#n$ w#.. not <e *onstr%e) to <e v#o.at#ve of Base rate $%#)e.#nes. ) COMPONENTS OF BASE RATEA: 61e Base rate s/ste- rep.a*es t1e eD#st#n$ BPLR s/ste- w.e.f. 01.07.2010 an) takes #nto a**o%nt t1e fo..ow#n$ fa*tors/ *o-ponents for arr#v#n$ at Base rateA:
Ba$& Rat& H a G A G # G " K1ere a : Cost of &epos#ts / "%n)s (or an/ ot1er <en*1-ark) A : 5e$at#ve Carr/ on CRR an) !LR # : Lna..o*ata<.e +ver1ea) Cost " : (vera$e Ret%rn on 5et Kort1
4) 61e *e#.#n$ rate #.e. PLR for .oans %p to Rs 2 .a* stan)s w#t1)rawn. 5) (pp.#*a<.e .en)#n$ rate w#.. <e arr#ve) at </ a))#n$ *%sto-er spe*#f#* *osts to Base Rate s%*1 as pro)%*t? tenor an) *re)#t r#sk pre-#%-s.
IMPLEMENTATION OF BASE RATE B8 OUR BAN9 W5E5F5 -+5-15.-+- 0n p%rs%an*e of RB0 )#re*t#ves to sw#t*1 over to Base Rate s/ste- w.e.f. 01.07.2010. (**or)#n$./? a.. <ran*1es an) Re$#ona. +ff#*es s1o%.) take note of t1e *1an$es #n rate of #nterest *onse2%ent %pon #ntro)%*t#on of Base Rate s/ste- w.e.f. 01.07.2010
+5 Do#'m&ntaton A$p&#tD-
(s re$ar)s .e$a. aspe*t of )o*%-entat#on #n t1e .#$1t of Base Rate s/ste-? t1e Law &epart-ent 1as a)v#se) to *1an$e 7PLR9 to 7Base Rate9 </ 1an) #n t1e )o*%-ents an) $et #t a%t1ent#*ate) </ <orrower. (t t1e t#-e of renewa. t1e renewa. san*t#on s1o%.) -ent#on rate of #nterest .#nke) to Base Rate an) a**eptan*e of t1e <orrower to t1e sa#) san*t#on <e o<ta#ne). 61e s%pp.e-entar/ a$ree-ent at t1e t#-e of renewa. -a/ a.so #n)#*ate t1e rate of #nterest .#nke) to Base Rate. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 41
Fo%%o?n! #at&tor&$ o( %oan #o'%" A& pr#&" ?t)o't r&(&r&n#& o( BR (a) &R0 a)van*es (<) Loans to Bank own e-p.o/ees (*) Loan a$a#nst BankIs own )epos#t ()) 0ntt. on s%<vent#on on *rop .oans (e) 0ntt. on s%<vent#on of eDport *re)#t. (f) Restr%*t%re) Loans.
!t#p%.at#on of BPLR as t1e *e#.#n$ rate for .oans %p to 2 .a*s stan)s w#t1)rawn.
Bank #s re2%#re) to rev#ew t1e BR at .east on*e #n 2%arter w#t1 t1e approva. of t1e Boar) or (LC+s.
CHAR6ES FOR ACCESSIN6 CIBIL DATABASE AND 6ENERATIN6 CIBIL REPORTS FOR LOANS !6(R6 &(6,A 1 st 5ove-<er 2009 4L0&,L05,!A 8(5&(6+R3. C+@,R(4,A (LL 5,K L+(5! (5& +5 R,5,K(L +" ,Y0!6054 L+(5! (,YC,P60+5A (LL L+(5! 6+ !6("" 8,8B,R! (5& "LLL3 !,CLR,& L+(5! (4(05!6 &,P+!06! / L0XL0& !,CLR060,!) !C>,&LL, +" C>(R4,!A No SE6MENT Cr&"t In(ormaton R&port ;CIR< 6&n&rat&" C)ar!&$ P&r CIR G S&rB#& Ta@ 1 C0R w#t1 Co-<o !*ores M '2.00 N !er. 6aD 2 C+5!L8,R !,48,56 #.e. 0n)#v#)%a.s 5o 8at*1 "o%n) !tat%s M .00 N M !er. 6aD C0R M 700.00 N !er. 6aD 4 C+88,RC0(L !,48,56 #.e. +t1er t1an 0n)#v#)%a.s 5o 8at*1 "o%n) !tat%s 5+ C>(R4,!
1. C1ar$es are LP"R+56 to <e )epos#te) a.on$w#t1 t1e for-a. Loan (pp.#*at#on 2. C1ar$es are P,R C0R C>(R4,! for Cons%-er (w#t1 Co-<o !*ore) an) Co--er*#a. !e$-ents? respe*t#ve./. . C1ar$es wa#ve) for Pr#or#t/ !e*tor Loans %pto M 25000/:
SUMMAR8 - LOAN POLIC8 6UIDIN6 PRINCIPLES FOR ENSURIN6 COMPLIANCE OF LOAN POLIC8 1. SMALL = MEDIUM ENTERPRISES ;SME< K#t1 a v#ew to para)#$- s1#ft fro- s-a.. s*a.e #n)%str/ to s-a.. = -e)#%- enterpr#ses? t1e 4overn-ent of 0n)#a 1as ena*te) t1e 8#*ro? !-a.. = 8e)#%- ,nterpr#ses &eve.op-ent (*t (8!8,&)? w1#*1 was not#f#e) on +*to<er 02? 200'. 61e )ef#n#t#on of 8#*ro? !-a.. = 8e)#%- ,nterpr#ses as a)v#se) </ RB0 #s as %n)erA: 1.1 D&(nton o( M#ro, Sma%% = M&"'m Ent&rpr$&$ Rev#se) )ef#n#t#on #s #n two parts? separate./ for -an%fa*t%r#n$ = serv#*e se*tor. (**or)#n$./? t1e s%< se*tors of !8, are as %n)erA 1.2 Man'(a#t'rn! Ent&rpr$&$ (en$a$e) #n t1e -an%fa*t%re/pro)%*t#on? pro*ess#n$ or preservat#on of $oo)s) (a) M&"'m ;man'(a#t'rn!< Ent&rpr$&$D K1ose #nvest-ent #n p.ant an) -a*1#ner/ Qor#$#na. *ost eD*.%)#n$ .an) an) <%#.)#n$P #s -ore t1an Rs. 5 *rore <%t )oes not eD*ee) Rs. 10 *rore. (<) Sma%% ;man'(a#t'rn!< Ent&rpr$&$A K1ose #nvest-ent #n p.ant an) -a*1#ner/ Qor#$#na. *ost eD*.%)#n$ .an) an) <%#.)#n$P )oes not eD*ee) Rs. 5 *rore. (*) M#ro ;man'(a#t'rn!< Ent&rpr$&$A w1ose #nvest-ent #n p.ant an) -a*1#ner/ Qor#$#na. *ost eD*.%)#n$ .an) an) <%#.)#n$P )oes not eD*ee) Rs. 25 .a*s #rrespe*t#ve of t1e .o*at#on of t1e %n#t.
a) 61e $ro%p to w1#*1 a part#*%.ar <orrow#n$ %n#t <e.on$s? -a/? <e )e*#)e) </ <ank on t1e <as#s of t1e re.evant #nfor-at#on ava#.a<.e? t1e $%#)#n$ pr#n*#p.e <e#n$ *o--ona.#t/ of -ana$e-ent an) effe*t#ve *ontro.. 0n so far as p%<.#* se*tor %n)ertak#n$s are *on*erne)? on./ s#n$.e <orrower eDpos%re .#-#t wo%.) <e app.#*a<.e. <) 0n t1e *ase of a sp.#t #n t1e $ro%p? #f t1e sp.#t #s for-a.#se) t1e sp.#nter $ro%ps w#.. <e re$ar)e) as separate $ro%ps. 0f <ank 1as )o%<t a<o%t t1e <ona f#)es of t1e sp.#t? a referen*e -a/ <e -a)e to RB0 for #ts f#na. v#ew #n t1e -atter to pre*.%)e t1e poss#<#.#t/ of a sp.#t <e#n$ en$#neere) #n or)er to prevent *overa$e %n)er t1e 4ro%p (pproa*1.
B&$"&$ t)& aAoB& t)& 6ro'p,A%%&",S$t&r Con#&rn $)a%% n#%'"& t)& (o%%o?n!D [ 6wo *on*erns 1av#n$ one or -ore *o--on propr#etors/partner(s)B or [ 61e propr#etor/partner of a f#r- <e#n$ )#re*tor #n a Pr#vate / P%<.#* .t). *o-pan/ an) v#*e:versa s1a.. <e taken as one for t1e p%rpose of $ro%p *on*ept. [ (n/ of t1e )#re*tors of t1e Pr#vate L#-#te) Co-pan/ #s t1e )#re*tor of anot1er pr#vate .#-#te) *o-pan/B or [ ( L#-#te) Co-pan/ #s s%<s#)#ar/ of anot1er .#-#te) Co-pan/ w#t1#n t1e -ean#n$ of t1e *o-pan#es (*t ? 195'B or [ ( .#-#te) Co-pan/ #s *.ose./ 1e.) *o-pan/ w#t1 s%<stant#a. #nterest #.e. -ore t1an 20% of t1e e2%#t/ s1are *ap#ta. of t1e *o-pan/ #s owne) </ t1e ot1er *on*ern(s)B or [ Profess#ona. &#re*tors of t1e Boar) s1a.. <e eD*.%)e) for t1e p%rpose of t1e *on*ept of t1e 4ro%p. [ 61e -e-<er of an >L" #s a propr#etor/partner of a *on*ern or )#re*tor of a pr#vate .#-#te) *o-pan/. [ 61e fa*#.#t#es san*t#one) to t1e $%arantor(s) s1a.. <e taken #nto a**o%nt for t1e p%rpose of eDpos%re per $ro%p. >owever t1e two *on*erns s1a.. not <e ter-e) as a..#e)/asso*#ate/s#ster *on*erns -ere./ <e*a%se of 1av#n$ a *o--on $%arantor #f t1e $%arantor #s not enEo/#n$ an/ *re)#t fa*#.#t#es as #n)#v#)%a. or as a propr#etor/partners/)#re*tors of a f#r-/*o-pan/. [ 0n *ase t1e 8ana$#n$ 8e-<er of a !a-#t# / !o*#et/ or 6r%stee of a 6r%st or 8ana$#n$ person of a C.%< #s a propr#etor/ partner/ )#re*tor / Garta of >L"/ 8ana$#n$ 8e-<er or 8ana$#n$ Person #n an/ ot1er *onst#t%ent <o)/ of s#-#.ar nat%re or #n t1e f#r-/ *o-pan/ / !o*#et// 6r%st et*. 0n )eter-#n#n$ t1e 4ro%p Con*ept t1e )ef#n#t#on of $ro%p as a)v#se) </ Reserve Bank of 0n)#a s1a.. <e fo..owe) an) t1e $%#)#n$ pr#n*#p.e
C&ntra%$&" Pro#&$$n! C&%% ;CPC< Centra. Pro*ess#n$ *e..s 1ave <een esta<.#s1e) at se.e*t Re$#ona. +ff#*es for pro*ess#n$ of Loan proposa.s w#t1 an a$$re$ate eDpos%re of Rs 50.00 .a*s an) a<ove. 61e CPCs *over a.. fres1 *ases of Rs 50.00 .a*s an) a<ove *over#n$ a.. se*tors #n*.%)#n$ Corporates? tra)ers? !8, et*.Ho?&B&r Aran#)&$ )&a"&" A> S#a%&-I7 an" aAoB& $)a%% not (a%% 'n"&r t)& p'rB&? o( CPC$5 61e <as#* o<Ee*t#ve of CPC #s to 1e.p eDpe)#t#n$ *re)#t )e*#s#on on new *ases on./. CPC s1a.. f%n*t#on %n)er t1e *1ar$e of t1e se*on) -an at t1e Re$#ona. off#*e. Pr&$&nt%> 2 CPC$ ar& 'n"&r op&raton.
Lar!& Corporat& Bran#) K#t1 an o<Ee*t#ve to eDpe)#te t1e )e*#s#on -ak#n$ pro*ess an) -eet t1e eDpe*tat#ons = nee)s of *orporate *.#ents </ *%tt#n$ )own one of 1#erar*1a. .a/ers? t1e Bank 1as #)ent#f#e) 11 .ar$e *orporate <ran*1es. (t present proposa.s #nvo.v#n$ eDpos%res of Rs 50.00 Crores an) a<ove are to <e enterta#ne) </ t1e Lar$e Corporate <ran*1. (.. eD#st#n$ <orrowa. a**o%nts s1a.. *ont#n%e to <e serv#*e) at t1e LCBs. >owever? t1e <ran*1 s1a.. *on*entrate #n -arket#n$ fres1 a**o%nts w#t1 *re)#t .#-#ts of Rs. 50.00 *rores an) a<ove. 61ere #s no <ar #n a**ept#n$ ot1er a**o%nts as we... OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 44
Proposa.s w#t1 *re)#t .#-#ts <e.ow Rs.50.00 *rores s1a.. *ont#n%e to <e )ea.t w#t1 as per eD#st#n$ s/ste-. "res1 proposa.s of Rs. 50.00 *rores an) a<ove <e sent </ <ran*1 )#re*t./ to >ea) +ff#*e w#t1 a *op/ to Re$#ona. +ff#*e.
M" Corporat& Bran#)&$ 61e <ank 1as a)opte) a strate$/ for -arket#n$? appra#sa.? *re)#t )e.#ver/ an) ens%r#n$ *re)#t 2%a.#t/ #n t1e 80& Corporate portfo.#o of t1e <ank. 8#) Corporate a**o%nts 1ave <een )ef#ne) </ o%r <ank as a**o%nts w#t1 .#-#ts of Rs. 5.00 *rores an) %pto an) #n*.%s#ve of Rs.50.00 *rores. (t present o%r <ank 1as #)ent#f#e) 8 8#) Corporate Bran*1es sprea) over 24 Re$#ons to -arket so%n) <orrowa. a**o%nts %n)er t1#s se$-ent. 6o $#ve a fo*%se) attent#on? t1ere #s a separate w#n$ #n t1e Cre)#t &epart-ent at >ea) +ff#*e 1ea)e) w#t1 separate 4enera. 8ana$er (!8, = 8#) Corporate) as t1e >ea).
In #a$& o( )o'$n! %oan$ Ba%'aton $)a%% A& "on& a$ 'n"&rD 0n *ase? *onstr%*te) 1o%se/f.at #s p%r*1ase)? t1e *ons#)erat#on -ent#one) #n t1e sa.e )ee) s1a.. *ont#n%e to <e t1e va.%e of t1e 1o%se for one /ear for t1e p%rpose of se*%r#t/. >owever #t s1a.. <e $ot reva.%e) after one /ear fro- t1e approve) va.%er on t1e pane. of t1e Bank. 61e va.%e as assesse) </ t1e va.%er s1a.. <e treate) as va.%e of t1e propert/ for se*%r#t/ po#nt of v#ew. 0n *ase? t1e 1o%se #s *onstr%*te) on t1e p.ot or se-#:<%#.t 1o%se #s f%../ *onstr%*te)? t1e va.%at#on as per $%#)e.#nes -ent#one) #n t1e *#r*%.ar %n)er referen*e s1a.. <e $ot )one fro- t1e approve) va.%er on t1e pane. of t1e Bank after *o-p.et#on of t1e 1o%se an) va.%e assesse) </ t1e va.%er s1a.. <e treate) as va.%e of t1e propert/ for se*%r#t/ po#nt of v#ew. 61ereafter? t1e a<ove se*%r#t#es s1a.. <e rev#ewe) t1ereafter on*e #n t1ree /ears #n a**or)an*e w#t1 *#r*%.ar 5o:>+/R#sk 8$-t/42/200':07/587 )ate) 20.0.2007 t#.. t1e L6@ (.oan to va.%e) *o-es )own to 75% or .ess. (n %n)ertak#n$ s1a.. <e o<ta#ne)? at t1e t#-e of )o*%-entat#on? fro- t1e <orrowers w1o are ava#.#n$ 1o%s#n$ .oan at -ar$#n of .ess t1an 25% a%t1or#;#n$ t1e Bank for $ett#n$ t1e propert/ reva.%e) at t1e#r (<orrowersI) *ost fro- t1e approve) va.%er of t1e Bank. 61e *ost of s%*1 va.%at#on s1a.. <e )e<#te) to t1e a**o%nt of t1e <orrower.
T)& Str'#t'r&" M&Eannn& Cr&"t Fa#%t> ;SMCF< 61e !tr%*t%re) 8e;ann#ne Cre)#t fa*#.#t/ (!8C") 1as <een a..o*ate) f%n)s of Rs. 250.00 *rores </ 8CB v#)e 8CR no.C:40 )ate) 17.0.07. !8C" 1as <een esta<.#s1e) pr#-ar#./ to prov#)e -e;;an#ne f%n)#n$ to 0n)#an Co-pan#es to ena<.e t1e- to s*a.e %p s#;e of t1e#r operat#ons </ eDp.or#n$ opport%n#t#es )%r#n$ t1e *%rrent p1ase of $rowt1 #n t1e 0n)#an e*ono-/.
Sa%&nt (&at'r&$ o( t)& (a#%t> ar& a$ 'n"&rD 61e fa*#.#t/ #s sponsore) </ o%r Bank? Bank of 0n)#a ? Canara Bank? 0n)#an Bank an) 0L="! w#t1 a *o--#t-ent of Rs. 250.00 *rores fro- ea*1. L="! wo%.) a*t as "a*#.#t/ -ana$er for t1e fa*#.#t/. +%r s1are w#t1 re$ar) to eDpos%re to t1e <orrower s1a.. <e 9.4% of t1e tota. 8e;ann#ne *re)#t re2%#re-ent. 61e )es#$nate) <ran*1 to a)-#n#ster t1e fa*#.#t/ s1a.. <e ,:B.o*k? Conna%$1t P.a*e? 5ew &e.1#. C8& s1a.. <e e-powere) to no-#nate an/ ot1er <ran*1 to a)-#n#ster t1e fa*#.#t/ as an) w1en re2%#re). 61e san*t#on of t1e .oan to t1e <orrowers s1a.. <e as per operat#ve $%#)e.#nes/po.#*/ of <ank #ss%e) fro- to t#-e.
Poo%&" M'n#pa% D&At OA%!aton Fa#%t> ;PMDO< 61e Poo.e) 8%n#*#pa. &e<t +<.#$at#on "a*#.#t/ (P8&+) 1as <een a..o*ate) f%n)s of Rs.150.00 *rore </ t1e 8CB v#)e 8CR 5o.C:1 )ate) 29.09.200'. 61#s fa*#.#t/ #nten)s to *reate an env#ron-ent w1ere Lr<an Lo*a. Bo)#es? !tate 4overn-ents an) ot1er stake1o.)ers wo%.) e-<ark on a ser#es of refor-s to #-prove *re)#t wort1#ness an) <ank:a<#.#t/ of %r<an #nfrastr%*t%re proEe*ts. P8&+ wo%.) prov#)e f%n)s </ wa/ of ter- .en)#n$ to 8%n#*#pa. Corporat#ons? Lr<an OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 45
Lo*a. Bo)#es? Lo*a. (%t1or#t#es? et*. for )eve.op#n$ Lr<an 0nfrastr%*t%re proEe*ts a*ross *#t#es #n 0n)#a on an #nte$rate) <as#s
Sa%&nt (&at'r&$ o( t)& (a#%t> ar& a$ 'n"&rD-
!ponsors *o-pr#se of 0&B0 Bank? 0n)#a 0nfrastr%*t%re "#nan*e Co-pan/ L#-#te) (00"CL)? Canara Bank an) 0nfrastr%*t%re Leas#n$ = "#nan*#a. !erv#*es Lt). (0L="!). 61e fa*#.#t/ wo%.) <e -ana$e) </ 0L="! Lr<an 0nfrastr%*t%re (sset 8ana$ers L#-#te) (0L0(8L). +%r pro:rata s1are #n t1#s fa*#.#t/ works o%t to 5.45%. 61e )es#$nate) <ran*1 to a)-#n#ster t1#s fa*#.#t/ #s 8:B.o*k? Conna%$1t P.a*e? 5ew &e.1# C8& s1a.. <e e-powere) to no-#nate an/ ot1er <ran*1 to a)-#n#ster t1e fa*#.#t/ as an) w1en re2%#re). 61e san*t#on of t1e .oan to t1e <orrowers s1a.. <e as per operat#ve $%#)e.#nes/po.#*/ of <ank #ss%
Loan App%#aton$ (or %&n"n! to MSE S&#tor 61e )#sposa. of .oan app.#*at#ons re.at#n$ to 8!, !e*tor s1a.. <e as fo..owsA Cat&!or> o( Borro?&r an" SE& o( Lmt Tm& norm$ (or "$po$a% Loans %pto Rs. 25?000/: K#t1#n two weeks of re*e#pt of .oan app.#*at#on prov#)e) #t #s *o-p.ete #n a.. respe*ts an) )%./ a**o-pan#e) </ a *1e*k .#st Loans %pto Rs. 5.00 La* K#t1#n fo%r weeks of re*e#pt of )%./ *o-p.ete) .oan app.#*at#on prov#)e) #t #s *o-p.ete #n a.. respe*ts an) )%./ a**o-pan#e) </ a *1e*k .#st
(.. s%*1 Loan app.#*at#ons t1at are *o-p.ete #n a.. respe*ts an) a**o-pan#e) </ a *1e*k.#st s1o%.) a.so <e a*know.e)$e) </ t1e <ank <ran*1es on t1e sa-e )a/ #.e. on t1e )a/ t1e app.#*at#on #s re*e#ve) </ t1e <ran*1. >owever? #t s1o%.) <e ens%re) t1at .oan app.#*at#ons prov#)e) to t1e prospe*t#ve <orrowers s1o%.) a.so #n*.%)e *1e*k:.#st of papers /)o*%-ents re2%#re) for appra#sa. of t1e proposa..
Loan App%#aton$ aAoB& R$535-- La#
Propo$a% (or E@port Cr&"t Non-E@port Cr&"t !an*t#on of fres1/en1an*e-ents 0 )a/s 45 )a/s Renewa. of eD#st#n$ *re)#t .#-#ts 21 )a/s 0 )a/s ;S<!an*t#on of a)1o* *re)#t fa*#.#t#es 7 )a/s 15 )a/s (V) !an*t#on of a)1o* *re)#t fa*#.#t#es s1a.. <e s%<Ee*t to $%#)e.#nes #ss%e) fro- t#-e to t#-e 61e t#-e fra-e #n)#*ates t1e -aD#-%- n%-<er of work#n$ )a/s fro- t1e )ate of re*e#pt of .oan app.#*at#on w#t1#n w1#*1 t1e )e*#s#on 1as to <e *onve/e) to t1e *%sto-er. R&O&#ton O( Loan Propo$a%$ 61e .oan app.#*at#ons perta#n#n$ to !C/!6? !8, an) ,Dports *annot <e reEe*te) </ t1e san*t#on#n$ a%t1or#t/ %n)er w1ose powers t1e sa-e fa..s. +n./ t1e neDt 1#$1er san*t#on#n$ a%t1or#t/ *an reEe*t t1e sa-e. Bran*1 8ana$ers -a/ reEe*t app.#*at#ons #n s%*1 *ases prov#)e) t1ese are ver#f#e) s%<se2%ent./ </ t1e Re$#ona. >ea)s. D&At S&rB#& CoB&ra!& Rato 0n *ase of ter- .oans? net )e<t serv#*e *overa$e rat#o? #.e. eD*.%s#ve of #nterest pa/a<.e? w1#*1 s1a.. nor-a../ not $o <e.ow 2. 8#n#-%- (vera$e 4ross &!CR of 1.5A1 w#.. <e *ons#)ere) as reasona<.e re2%#re-ent for new as we.. as eD#st#n$ *onne*t#on. 0n *ase of 1#$1./ *ap#ta. #ntens#ve proEe*ts/ #nfrastr%*t%re proEe*ts? &!CR %p to 1.2A1 -a/ <e *ons#)ere) on *ase to *ase <as#s. 61#s #s 0n v#ew of t1e .on$ $estat#on per#o) an) t#-e OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 46
(part fro- t1e a<ove 08aCs -o)e.s? a separate #n 1o%se -o)e. 1as <een *reate) for rat#n$ of a**o%nts %n)er t1e +r#enta. 6ra)ers Loan !*1e-e.
6ra"n! Patt&rn U$&" In T)& IMaCS Cr&"t R$k Ratn! S>$t&m 61e *re)#t rat#n$ %n)er 08aC! -o)e.s #s <ase) on rat#n$ $ra)e of 1 to 10.61e r#sk .eve. an) #ts )es*r#pt#on #s $#ven #n t1e fo..ow#n$ ta<.e Ratn! !ra"& R$k %&B&% D&$#rpton 1 8#n#-a. r#sk >#$1est 2%a.#t/? w#t1 -#n#-a. r#sk. 2 8o)est r#sk >#$1est 2%a.#t/ an) are s%<Ee*t to ver/ .ow *re)#t r#sk (vera$e r#sk Lpper -e)#%- $ra)e an) s%<Ee*t to .ow *re)#t r#sk 4 (**epta<.e r#sk ()e2%ate *re)#t 2%a.#t/ an) s%<Ee*t to (vera$e *re)#t r#sk. 5 (**epta<.e w#t1 *are 8o)erate *re)#t 2%a.#t/ an) -a/ posses spe*%.at#ve *1ara*ter#st#*s. ' 8ana$e-ent attent#on !pe*%.at#ve e.e-ents an) are s%<Ee*t to 1#$1 *re)#t r#sk. 7 !pe*#a. *are !pe*%.at#ve an) are s%<Ee*t to 1#$1 *re)#t r#sk 8 !%<stan)ar) Poor stan)#n$ an) are s%<Ee*t to ver/ 1#$1 *re)#t r#sk 9 &o%<tf%. >#$1./ !pe*%.at#ve an) are .#ke./ to <e*o-e )efa%.t #n t1e near f%t%re. 10 Loss Lowest an) are t/p#*a../ #n )efa%.t or *.ose to )efa%.t
(s per t1e f#na. Cre)#t Rat#n$ 8o)e. )o*%-ent? t1e #nvest-ent $ra)e 2%a.#t/ of )e<t *eases to eD#st w1en t1e r#sk s*ore of a Borrower *rosses over to e#$1t an) a<ove. 61erefore? t1e <ank wo%.) 1en*efort1 *ons#)er #nvest-ent $ra)e fro- F1 to 7H. 61e $ra)es 8?9 an) 10 w#.. <e non: #nvest-ent $ra)es. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 48
EQTERNAL RATIN6 OF BORROWAL ACCOUNTS WITH EQPOSURE ;FBGNFB< EQCEEDIN6 RS5+- CR FROM OUR BAN95
(s per t1e eD#st#n$ $%#)e.#nes of Reserve Bank of 0n)#a on #-p.e-entat#on of t1e 5ew Cap#ta. ()e2%a*/ "ra-ework )ate) J%./ 1? 2008? a.. t1e *orporate<orrowa. a**o%nts w#t1 a$$re$ate eDpos%re (f%n) <ase) N non f%n) <ase)) eD*ee)#n$ Rs.50 *rore are to <e ass#$ne) r#sk we#$1ts as per t1e#r eDterna. rat#n$ </ approve) *re)#t r#sk rat#n$ a$en*#es (0CR(? C(R,? CR0!0L = "06C>) for t1e f#nan*#a. /ear 2008:09. 0n *ase t1ese Corporate <orrowa. re-a#ns %nrate)? #t w#.. attra*t r#sk we#$1t of 150%.
K#t1 effe*t fro- 01.04.2009? a.. fres1 san*t#ons or renewa.s w#t1 eDpos%re ("BN5"B) eD*ee)#n$ Rs.10 Cr 1ave to <e eDterna../ rate). (s a te-porar/ -eas%re? t1e r#sk we#$1t on %nrate) *.a#-s 1as <een re)%*e) fro- 150% to 100% </ RB0 v#)e t1e#r *#r*%.ar )ate) 15.11.08 )%e to re*ess#on an) s.ow)own #n t1e e*ono-/ <%t #t -a/ <e #n*rease) to 150% .ater on. (**or)#n$./ t1e eDpos%re w#.. 1ave to <e pr#*e) for fa*tor#n$ #n t1e 1#$1er r#sk we#$1t as we.. as 1#$1er *ap#ta. re2%#re-ent. A%% t)& &%!A%& Aorro?&r$ ?t) tota% &@po$'r& ;('n" Aa$&" G non ('n" Aa$&"< &@#&&"n! R$5+- #ror& (rom o'r Aank ar& to A& rat&" $o t)at t)& Aank #an !&t t)& A&n&(t o( %o?&r r$k ?&!)t (or #apta% #a%#'%aton5
P&na% Rat& o( Int&r&$t , Pr&pa>m&nt P&na%t&$ Pena. #nterest over an) a<ove t1e nor-a. #nterest #s app.#*a<.e #n fo..ow#n$ *asesA &efa%.t #n repa/-ent of .oan #nsta..-ents an) / or serv#*#n$ of -ont1./ #nterest or as st#p%.ate) #n t1e san*t#on. 2%on #rre$%.ar port#on +ver)raw#n$ / eD*ess )raw#n$s #n CC I ODa**o%nt <e/on) t1e ava#.a<.e )raw#n$ power or san*t#one) .#-#t #n*.%)#n$ a) 1o*/ te-porar/ san*t#ons. 2% on #rre$%.ar port#on +ver)%e B#..s (&e-an) / Lsan*e). 2% for t1e over)%e per#o). 5on:*o-p.#an*e of ter-s of san*t#on 2% t#.. *o-p.#an*e of ter-s of san*t#on. 8#n#-%- for one -ont1. 5on:s%<-#ss#on of !to*k / Book &e<t !tate-ents? X0! !tate-ents w#t1#n t1e st#p%.ate) t#-e per#o). 1% fro- )%e )ate t#.. s%<-#ss#on of t1e s%*1 state-ent? s%<Ee*t to -#n#-%- one -ont1 ()1o* L#-#ts (,D*ept ,Dporters f#nan*e = .#-#ts %p to an) #n*.%s#ve of Rs.2.00 La*.) 1% on t1e a)1o* port#on for t1e st#p%.ate) per#o) of fa*#.#t/. 5on:s%<-#ss#on of re2%#s#te )ata for renew/rev#ew after t1e va.#)#t/ per#o) of .ast san*t#on / rev#ew. 1% t#.. s%<-#ss#on of *o-p.ete renewa. proposa. on ent#re o%tstan)#n$. &evo.ve-ent of LC / B4 2% on t1e #rre$%.ar port#on / or a-o%nt not re#-<%rse) to t1e <ank. 0rre$%.ar#t/ #n *ase of ()van*es a$a#nst Bank &epos#ts / ot1er Paper se*%r#t#es .#ke 5!C/ L0Ps 2% on t1e #rre$%.ar port#on #s to <e *1ar$e) #f t1e o%tstan)#n$ a-o%nt #s w#t1#n t1e va.%e of se*%r#t/ (#n*.%)#n$ a**r%e) #nterest). 0n *ase t1e o%tstan)#n$ eD*ee)s t1e va.%e of se*%r#t/? #nterest as app.#*a<.e to *.ean a)van*es s1a.. <e *1ar$e). Prepa/-ent of 6er- Loans( 6aken over </ ot1er <anks) 1% on t1e o%tstan)#n$ <a.an*e:+ne t#-e. 0n *ase of >o%s#n$ Loans no p&na%t>5
a) K1erever? t1e .#-#ts of C.ean +ver)raft 1as <een set %p? t1e rate of #nterest s1a.. <e *1ar$e) WBase Rate N -aD#-%- !prea) on -ont1./ rest. >owever #n *ase t1e a**o%nt #s over)rawn <e*a%se of an/ #rre$%.ar#t/ for w1#*1 pena. #nterest #s to <e *1ar$e)? an) t1e nat%re of over)raw#n$ #s *.ean #n nat%re? t1e -aD#-%- rate of #nterest s1a.. <e Base Rate N 8aD#-%- !prea) N Pena. 0nterest. <) 0n *ases w1ere t1e pena. rates are app.#*a<.e for -ore t1an one t/pe of )efa%.t? t1e a$$re$ate of s%*1 pena. rates s1a.. not eD*ee) 2%p.a s%<Ee*t to t1e *on)#t#on t1at t1e OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 4
overa.. rate of #nterest #n*.%)#n$ pena. *1ar$e s1a.. not eD*ee) Base Rate p.%s 8aD#-%- sprea) p.%s 2% .. *) 5o pena. *1ar$e s1o%.) <e *1ar$e) for .oans %n)er pr#or#t/ se*tors %p to Rs.25? 000/:. K1#.e *o--%n#*at#n$ t1e san*t#on of .#-#t to t1e <orrower #t -%st <e ens%re) t1at I pena. #nterest *.a%seI #s st#p%.ate) %n)er t1e ter-s of san*t#on. )) 5o pena. #nterest #s to <e *1ar$e) after t1e )ate of *.ass#f#*at#on of an a**o%nt as 5P(.
(.. t1e <ran*1es s1a.. s%<-#t t1e BCC of t1e )o*%-ents eDe*%te) </ t1e <orrower to t1e respe*t#ve a%t1or#t/ as -ent#one) <e.ow w#t1#n 15 )a/s of t1e re.ease of t1e fa*#.#t#es. 61e <ran*1 s1o%.) f%rt1er ens%re t1at )#s*repan*#es po#nte) o%t </ Re$#ona. +ff#*e are re*t#f#e) w#t1#n a per#o) of 0 )a/s. ?taff loans shall be exempted from legal vetting of doc!ments. Ao#ever$ fresh<enhancement of all advances !nder commercial real estate incl!ding hotels$ K$ lease rentals$ tr!sts < societies shall be vetted b* Begal 8etainer at 8) before release of facilit*$ irrespective of the amo!nt sanctioned. System 7f /isit 8 Inspection 7f 9nit 7f Borrower By Branch8"e*ional 7ffice 8 2ead 7ffice )or Inspection 7f Secrities $har*ed To The Ban# ?*stem of !nit visit < Inspection as regards post=sanction visits$ as revie#ed and devised in cons!ltation #ith Inspection K Control Department shall be as !nderL
Prpose of the visit .onitorin* and control to ensre safety of Ban#:s advance- chec# depletion or deterioration of secrities char*ed to the Ban#;
(*pe of acco!nts ?tandard '<Cs K ?pecial -entioned '<Cs K 1P' 'cco!nts. (*pes of borro#ers 'll categories of borro#ers incl!ding (rading$ Ind!strial$ ?ervice ?ector etc. (except retail schemes #here the proced!re prescribed for the partic!lar scheme sho!ld be follo#ed). (*pes of facilities (erm Boan and #or0ing capital facilities #here fixed assets < c!rrent assets are charged as prime sec!rit*. Lmt$ 'n"&r t)& "$#r&tonar> po?&r$ o( Do#'m&nt$ to A& B&tt&" A> ;A&(or& "$A'r$&m&nt< BCC to A& #%&ar&" A> Lo*a. Le$a. *o%nse. for .#-#ts a<ove Rs.1.00 *rores an) %pto Rs.5.00 *rores Bran*1 0n*%-<ent Bran*1 0n*%-<ent Le$a. Reta#ner for .#-#ts a<ove Rs.5.00 *rores #n *ons%.tat#on w#t1 R.+. Bran*1 0n*%-<ent Lo*a. Le$a. *o%nse. for .#-#ts a<ove Rs.1.00 *rores an) %pto Rs.5.00 *rores Re$#ona. >ea) Re$#ona. >ea) Le$a. Reta#ner for .#-#ts a<ove Rs.5.00 *rores #n *ons%.tat#on w#t1 R.+. Re$#ona. >ea) >ea) +ff#*e Le$a. Reta#ner at R.+. Re$#ona. >ea) OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 50
Prpose of the visit .onitorin* and control to ensre safety of Ban#:s advance- chec# depletion or deterioration of secrities char*ed to the Ban#;
Ban0ing arrangements ?ole -!ltiple (in case the m!ltiple financing$ ban0s have an agreed arrangement for visits$ the same shall be follo#ed) Consorti!m (as decided b* the consorti!m members). /ho shall cond!ct the visit Sl;0o; 1imit()B<0)B) 7fficial who shold verify details of property 8condct nit visit; 1. Upto 8s. 4 lac 'n* officer of the branch.
". )ver 8s. 4 lac and !pto 8s. "4 lac 'n officer of ?cale III or above. In case ?cale III officer is not posted in the branch J b* loan officer or branch inc!mbent. +. )ver 8s. "4 lac Branch Inc!mbent himself and<or Boans )fficer . In order to avoid m!ltiplicit* of visits$ the above=mentioned )fficials shall cond!ct s!ch visits along #ith the Inspecting )fficials< ?toc0 '!ditors< Conc!rrent '!ditors 8)<A) )fficials ma* also cond!ct !nit visit #herever considered necessar*. Periodicit* of the visit 3or all borro#al acco!nts having 3!nd Based limits and 1on= 3!nd Based limits (#here fixed assets< c!rrent assets are charged as prime sec!rit* J at least once in three months for ?tandard '<c and at least once in a month for ?pecial -ention 'cco!nts. In respect of 1P' '<Cs the periodicit* #ill be decided b* the sanctioning a!thorit* 0eeping in vie# availabilit* of sec!rit* and other related aspects. -aintenance of !nit visit register Misits shall be recorded in !nit visit register to be maintained at the Branch for all visits cond!cted b* Branch < Inspecting officials. ?cr!tin* of report and follo#=!p action -ain observations d!ring the visit shall be recorded in the register and a special report of the irreg!larities of serio!s nat!re be prepared and p!t !p to the Branch Inc!mbent and respective 8egional )ffice for f!rther follo#=!p and monitoring. Immediate steps for rectification< removal of discrepancies shall also be given. 6'"&%n&$ For S'Am$$on O( Sto#k Stat&m&nt$ 61e pres*r#<e) !to*k !tate-ent #n*orporates t1e )eta#.s of <ook )e<ts? sa.es an) p%r*1ases? *re)#tors )%r#n$ t1e -ont1 as s%*1 t1e p%rpose of 8!+& #s serve) t1ro%$1 ver#f#*at#on of sto*k state-ent </ t1e v#s#t#n$ off#*#a./<ran*1 #n*%-<ent. >en*e? t1e sto*k state-ent #s an effe*t#ve too. for -on#tor#n$ t1e work#n$ *ap#ta. fa*#.#t#es. 0t s1a.. <e ens%re) t1at t1e sto*k #s ver#f#e) an) t1e sto*k state-ent #s *1e*ke) </ v#s#t#n$ off#*#a.(s)/ <ran*1 #n*%-<ent at t1e pres*r#<e) per#o)#*#t/. 61e per#o)#*#t/ as approve) </ t1e Boar) of &#re*tors for s%<-#ss#on of !to*k / Book &e<ts !tate-ents #s 8ont1./ #rrespe*t#ve of t1e s#;e of t1e .#-#t %n.ess ot1erw#se per-#tte) </ an/ spe*#f#* approve) .oan s*1e-es of t1e <ank.
61e state-ent of sto*ks an) <ook )e<ts #s to <e s%<-#tte) #n t1e pres*r#<e) perfor-a ever/ -ont1 </ t1e en) of t1#r) week. e.$. state-ent perta#n#n$ to !epte-<er s1a.. 1ave to <e s%<-#tte) </ t1e <orrower </ 21st of t1e s%**ee)#n$ -ont1.
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 51
0n *ases w1ere &P 1as <een a)v#se) </ t1e Lea) Bank t1e sto*k state-ent #n t1e perfor-a of t1e Lea) Bank -a/ <e a**epte) w#t1o%t #ns#st#n$ on t1e perfor-a of o%r Bank.
+n*e a /ear an) as on )ate of Ba.an*e s1eet of t1e *o-pan/ fo..ow#n$ s1o%.) <e on re*or)A [ !to*k !tate-ent [ ($ew#se &e<tors .#st (]8?:'8 an) \' -ont1s) (ppra#s#n$ off#*er s1o%.) s*r%t#n#;e t1e )eta#.e) sto*k state-ent as on )ate of Ba.an*e s1eet of Co-pan/ a.on$w#t1 Ba.an*e s1eet .
.0525+ 6'"&%n&$ (or #a%#'%aton o( Dra?n! Po?&rD
a)61e -et1o) for *a.*%.at#on of &P a$a#nst sto*ks an) re*e#va<.es et*. 1as <een $#ven #n sto*ks state-ent / state-ent of <ook )e<ts )ev#se) </ t1e >ea) +ff#*e for f%n) <ase) work#n$ *ap#ta. .#-#ts %p to Rs.10.00 La* (!68:42() an) a<ove Rs.10.00 La* (!68:42B a.on$ w#t1 anneD%re) *#r*%.ate) v#)e >+ *#r*%.ar 5o >+/(&@/25/2005: 0'/0 )ate) 11.10.2005. <) ()van*es -a)e/ $#ven to s%pp.#ers are to <e a))e) to t1e va.%e of sto*ks. !#-#.ar./? t1e a)van*es re*e#ve) fro- <%/ers? #f an/? are to <e re)%*e) for t1e p%rpose of *a.*%.at#on of )raw#n$ power. *) !to*ks sent </ t1e <orrower for pro*ess#n$ / Eo< work et*. to ot1er %n#ts s1a.. <e a))e) #n t1e va.%e of sto*ks an) sto*ks re*e#ve) for pro*ess#n$/ Eo< work fro- ot1er %n#ts s1a.. not to <e #n*.%)e)? prov#)e) t1at t1e <orrower -a#nta#ns proper re*or) of t1e sa-e an) pro)%*es ev#)en*e to t1#s effe*t to t1e f%.. sat#sfa*t#on of t1e <ank off#*#a.s. )) "%rt1er? t1e fa*#.#t/ a$a#nst sto*ks an) re*e#va<.es s1o%.) <e san*t#one) #n a *o-<#ne) -anner for a.. pra*t#*a. p%rposes v#;. se*%re) </ wa/ of 1/pot1e*at#on of sto*ks an) re*e#va<.es. 61e sa#) s/ste- #s to <e fo..owe) w1enever t1e fa*#.#t#es are renewe). e) 61e -on#tor#n$ of sto*k s1o%.) <e )one *aref%../ t1ro%$1 8+R? persona. v#s#ts? X0!? sto*k a%)#t </ t1e #n)epen)ent C1artere) a**o%ntant et*. f) Bran*1es s1a.. app./ a %n#for- -ar$#n of 25% on sto*ks an) <ook )e<ts w#t1#n t1e#r powers. >owever? )#s*ret#on for f%rt1er re)%*t#on #n t1e pres*r#<e) -ar$#ns s1a.. *ont#n%e to <e veste) w#t1 t1e Re$#ona. >ea)s as spe*#f#e) #n t1e )#s*ret#onar/ power <ook.et. $) 61e san*t#on#n$ a%t1or#t/ -%st *.ear./ spe.. o%t t1e a$e of <ook )e<ts to <e taken #nto *ons#)erat#on for *a.*%.at#on of &P? w1#*1 s1o%.) nor-a../ <e restr#*te) to 90 )a/s an) s1o%.) #n no *ase eD*ee) 180 )a/s. 61e a$e s1o%.) <e appra#se) keep#n$ #n v#ew of t1e nat%re of <%s#ness/a*t#v#t/ of t1e <orrower v#s:^:v#s rea.#;at#on of <ook )e<ts. !tate-ent of <ook )e<ts s1a.. <e ver#f#e) </ a C1artere) (**o%ntant at 1a.f:/ear./ #nterva.s for work#n$ *ap#ta. .#-#ts eD*ee)#n$ Rs. 1.00 *rore an) at 2%arter./ #nterva.s for .#-#ts a<ove Rs. 5.00 *rore. . .053 Montorn! O((#&r$ R&port ;MOR< !%<-#ss#on of 8on#tor#n$ +ff#*er9s Report </ t1e <ank9s no-#nate) Independent Monitoring Officer #s anot1er too. for per#o)#* -on#tor#n$ of t1e <orrower9s operat#ons. 61e 8on#tor#n$ off#*er w#.. -on#tor a.. t/pe of fa*#.#t#es for work#n$ *ap#ta.? ter- Loan an) non:f%n) <ase) .#-#ts so as to #nter:a.#a -on#torA a) L#-#ts are <e#n$ rev#ewe) / renewe) #n t#-e. <) ,n) %se of f%n)s </ t1e <orrower. *) B4s are reverse) we.. #n t#-e as per pro*e)%re )) +perat#on of LCs #s as per ter-s of san*t#on. e) Co--#ss#on on LCs/B4s et* #s <e#n$ *1ar$e) as per ter-s of san*t#on. (< +t1er o<servat#ons as re$ar) to operat#on of a**o%nt? pen)#n$ #nspe*t#on #rre$%.ar#t/? ver#f#*at#on of sto*k an) s%<-#ss#on of report s1a.. *ont#n%e to <e reporte) as per s/ste- #n vo$%e. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 52
61e sto*k a%)#t s1o%.) <e )one for a.. t1ose a**o%nts as per t1e fo..ow#n$ e.#$#<#.#t/ an) per#o)#*#t/A Cat&!or> P&ro"#t> "%n) <ase) work#n$ *ap#ta. .#-#ts Rs. 2 *rores an) a<ove V +n*e #n a /ear Restr%*t%re)/5P( a**o%nts 1av#n$ "%n) <ase) work#n$ *ap#ta. .#-#ts Rs. 1 *rores an) a<oveV +n*e #n a /ear V "%n) <ase) work#n$ *ap#ta. (#n*.%)#n$ &(/LC L#-#t fa*#.#t#es are to <e *ons#)ere))
D&%&!at&" po?&r$ (or R&$tr'#t'rn!;&@#&pt CDR<A SL5NO PARTICULARS DELE6ATED AUTHORIT8 1 R&$tr'#t'rn! o( #a$&$ $an#ton&" A> ( Bran*1 0n*%-<ent 5eDt >#$1er (%t1or#t/ at Re$#ona. +ff#*e B !e*on) 8an at Re$#ona. +ff#*e Re$#ona. >ea) C Re$#ona. >ea) Co-petent neDt >#$1er (%t1or#t/ at >ea) +ff#*e & >ea) +ff#*e Respe*t#ve )e.e$ate) a%t1or#t/ at >ea) +ff#*e 2 R&n&?a% ,R&B&? o( r&$tr'#t'r&" a##o'nt$ B/ t1e respe*t#ve san*t#on#n$ a%t1or#t#es w#t1#n t1e#r nor-a. )e.e$ate) powers #rrespe*t#ve of restr%*t%r#n$ a%t1or#t/
6rantn! o( (r&$),&n)an#&m&nt,a""tona% ,a")o# (a#%t&$ n r&$tr'#t'r&" a##o'nt$ WITHIN ONE 8EAR o( r&$tr'#t'rn! DELE6ATED AUTHORIT8V OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 54
.1 (**o%nts fa..#n$ %n)er t1e nor-a. )e.e$ate) powers of
( Bran*1 0n*%-<ent 5eDt >#$1er (%t1or#t/ at Re$#ona. +ff#*e B !e*on) 8an at Re$#ona. +ff#*e Re$#ona. >ea) C Re$#ona. >ea) Co-petent neDt >#$1er (%t1or#t/ at >ea) +ff#*e & >ea) +ff#*e Respe*t#ve )e.e$ate) a%t1or#t/ at >ea) +ff#*e , V>owever? w1#.e eDer*#s#n$ powers at .1 a<ove? t1e fo..ow#n$ <e ens%re) A [ Restr%*t%re) a**o%nt #s perfor-#n$ [ 61e restr%*t%re) ter-s an) *on)#t#ons 1ave <een *o-p.#e) . [ !a.es are s1ow#n$ sat#sfa*tor/ $rowt1 v#s a v#s est#-ates. [ 61e <orrower #s -ak#n$ operat#n$ prof#ts [ "#nan*#a.s an) Con)%*t of a**o%nt are sat#sfa*tor/
.2 6rantn! o( (r&$),&n)an#&m&nt,a""tona% ,a")o# (a#%t&$ n r&$tr'#t'r&" a##o'nt$ AFTER ONE 8EAR o( r&$tr'#t'rn! (s per t1e nor-a. )e.e$ate) a%t1or#t#es of Bran*1 0n*%-<ents/Re$#ona. +ff#*es/>ea) +ff#*e prov#)e) t1e <orrower 1as f%.f#..e) t1e restr%*t%re) ter-s an) *on)#t#ons for a -#n#-%- per#o) of one /ear fro- t1e )ate of restr%*t%r#n$ an) t1e ter-s an) *on)#t#ons as -ent#one) #n *.a%se .1, are *o-p.#e) w#t1. 0n *ase *on)#t#ons are not f%.f#..e) CneDt 1#$1er a%t1or#t/.
>owever? a *op/ of t1e appra#sa. note $rant#n$ t1e fa*#.#t#es s1a.. <e forwar)e) to Re$#ona. +ff#*e/>ea) +ff#*e a.on$w#t1 t1e *ontro. ret%rns (!6841/!6R+:1') for rev#ew . 4 6ROUP ACCOUNTSD !an*t#on re.ate) to a**o%nts w1#*1 1ave not <een restr%*t%re) <%t w1ose 4ro%p (**o%nts 1ave <een restr%*t%re) an)/or fres1/a))#t#ona. fa*#.#t#es 1ave <een san*t#one) </ t1e Restr%*t%r#n$ (%t1or#t/ at R+/>+ K#t1#n 61e 5or-a. &e.e$ate) Powers 0rrespe*t#ve +f Restr%*t%r#n$ (%t1or#t/ As /an3 -as a sc-eme namel" Oriental Tra$e Loan Sc-emeC t-e e?istin4 !ara4ra!- on Oriental /usiness Loan Sc-eme 9O/LS: is $elete$ %rom t-e Loan Polic". Re!ise" #ui"e$ine T-e =?!osure Ceilin4s %or Sin4le /orro7er an$ *rou! /orro7ers 2ase$ on t-e ca!ital %un$s o% t-e /an3 as on 31.;3.2;11 is re#ise$ as un$erE- 9Fi4ure in +s. Crore: Re!ise" #ui"e$ine T-e re#ise$ =?!osure Ceilin4s %or Unsecure$ =?!osures 2ase$ on t-e 4ross a$#ances o% t-e /an3 as on 31.;3.2;11 is as 2elo7E-
9Fi4ure in +s. Crore:
Unsecure" E%&osure E%&osure Cei$in' Limit as ( o) #ross A"!ances *+,+-,, (E%istin') *+,,-,* (Re!ise") Unsecure$ *uarantees Unsecure$ A$#ances Total Unsecure$ =?!osure Unsecure$ *uarantees D Unsecure$ A$#ances s-all not e?cee$ -.( total o/s a$#. */01. --2/0 OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 55
CENTRAL ELECTR3NIC RE#ISTR4 UNDER T5E SECURITISATI3N AND REC3NSTRUCTI3N 3F FINANCIAL ASSETS AND ENF3RCEMENT 3F SECURIT4 INTEREST ACT *++* Bac6'roun" Pursuant to t-e announcement ma$e 2" t-e Finance inister in t-e 2u$4et s!eec- %or 2;11-12C *o#ernment o% 'n$iaC inistr" o% Finance noti%ie$ t-e esta2lis-ment o% t-e Central +e4istr". T-e o2Fecti#e o% settin4 u! o% Central +e4istr" is to !re#ent %rau$s in loan cases in#ol#in4 multi!le len$in4 %rom $i%%erent 2an3s on t-e same immo#a2le !ro!ert". T-is +e4istr" -as 2ecome o!erational on arc- 31C 2;11. T-e Central +e4istr" o% Securitisation Asset +econstruction an$ Securit" 'nterest o% 'n$ia 9C=+SA':C a *o#ernment Com!an" license$ un$er section 25 o% t-e Com!anies Act 185& -as 2een incor!orate$ %or t-e !ur!ose o% o!eratin4 an$ maintainin4 t-e Central +e4istr" un$er t-e !ro#isions o% t-e Securitisation an$ +econstruction o% Financial Assets an$ =n%orcement o% Securit" 'nterest ActC 2;;2 9SA+FA=S' Act:.
T-e recor$s maintaine$ 2" t-e Central +e4istr" 7ill 2e a#aila2le %or searc- 2" an" len$er or an" ot-er !erson $esirous o% $ealin4 7it- t-e !ro!ert". A#aila2ilit" o% suc- recor$s 7oul$ !re#ent %rau$s in#ol#in4 multi!le len$in4 a4ainst t-e securit" o% same !ro!ert" as 7ell as %rau$ulent sale o% !ro!ert" 7it-out $isclosin4 t-e securit" interest o#er suc- !ro!ert". 't ma" 2e note$ t-at un$er t-e !ro#isions o% Section 23 o% t-e SA+FA=S' ActC !articulars o% an" c-ar4e creatin4 securit" interest o#er !ro!ert" is re<uire$ to 2e %ile$ 7it- t-e +e4istr" 7it-in 3; $a"s %rom t-e $ate o% creation. Re!ise" #ui"e$ine /ranc-es are a$#ise$ t-at transactions relatin4 to securitiBation an$ reconstruction o% %inancial assets an$ t-ose relatin4 to mort4a4e 2" $e!osit o% title $ee$s to secure an" loan or a$#ances 4rante$ 2" 2an3s an$ %inancial institutionsC as $e%ine$ un$er t-e SA+FA=S' ActC are to 2e re4istere$ in t-e Central +e4istr" 7it-in 3; $a"s %rom t-e $ate o% creation. S!eci%ic Com!liance o% t-e same s-all 2e sent alon4 7it- t-e /CC. For $etaile$ 4ui$elines on Central =lectronic +e4istr" un$er t-e Securitisation an$ +econstruction o% Financial Assets An$ =n%orcement o% Securit" 'nterest Act 2;;2C re%er to /an3 circular no. )O/+D/ 25 /2;11-12/ $ate$ 1..;&.2;11. RIS7 8EI#5T IN CASE 3F 53USIN# L3ANS Re!ise" #ui"e$ine
E%istin' #ui"e$ine Re!ise" #ui"e$ine 'n terms o% circular D/OD.(o./P./C.53/ 21.;&.;;1/ 2;;.-;5 $ate$ a" 14C 2;;5 t-e ris3 7ei4-ts on resi$ential -ousin4 loans 7it- LT, ratio u! to .5 !er cent are 5; !er cent %or loans u! to +s. 3; la3- an$ .5 !er cent %or loans a2o#e t-at amount. 'n case t-e LT, ratio is more t-an .5 !er centC t-e ris3 7ei4-t o% all -ousin4 loansC irres!ecti#e o% t-e amount o% loanC is 1;; !er cent.
As !er +/' Circular (o. 2;1;-11/324 D/OD.(o./P. /C. &8 /;5.12.;;1/2;1;-11 $ate$ Decem2er 23C 2;1; T-e ris3 7ei4-ts on resi$ential -ousin4 loans 7it- LT, ratio u! to .5 !er cent are 5; !er cent %or loans u! to +s. 3; la3- an$ .5 !er cent %or loans a2o#e t-at amount. T-e ris3 7ei4-t o% all -ousin4 loansC in case t-e LT, ratio is more t-an .5 !er centC irres!ecti#e o% t-e amount o% loan is 1;; !er cent. T-e ris3 7ei4-t %or resi$ential -ousin4 loans o% +s. .5 la3- an$ a2o#eC irres!ecti#e o% t-e LT, ratioC 7ill 2e 125 !er cent to !re#ent e?cessi#e s!eculation in t-e -i4- #alue -ousin4 se4ment. Cut o)) $imit )or LRM T-e re#ise$ cut-o%% limits %or i$enti%ication o% t-e Lar4e /orro7al Accounts 7-ic- -a#e to 2e su2Fecte$ to Loan +e#ie7 ec-anism 7it- e%%ect %rom ;1.;4.2;11 7ill no7 2e as %ollo7s. All G%res-H sanctions o% +s.3.;; Cr. an$ a2o#e. Accounts 7it- Ge?istin4H e?!osures o% +s.3.;; Cr > a2o#e in case 7-ere 'nternal Cre$it +is3 +atin4 isE LC-& > 2elo7 S=-& > 2elo7 (/FC-& > 2elo7 S/S-& > 2elo7. 'n all ot-er cases accounts 7it- Ge?istin4H e?!osures o% +s.5.;; Cr. > a2o#e.
2. 6OLD CARD SCHEME FOR EQPORTERS 61e 4overn-ent (8#n#str/ of Co--er*e an) 0n)%str/)? #n *ons%.tat#on w#t1 RB0 1a) #n)#*ate) #n t1e ,D#- Po.#*/ 200:04 t1at a 4o.) Car) !*1e-e wo%.) <e worke) o%t </ RB0. 61e sa.#ent feat%res of t1e !*1e-e as a.rea)/ *#r*%.ate) to t1e <ran*1es are as %n)erA (.. *re)#twort1/ eDporters? #n*.%)#n$ t1ose #n s-a.. an) -e)#%- se*tors w#t1 $oo) tra*k re*or) wo%.) <e e.#$#<.e for #ss%e of 4o.) Car) </ #n)#v#)%a. <anks as per t1e *r#ter#a to <e .a#) )own </ t1e .atterB Re2%ests fro- *ar) 1o.)ers wo%.) <e pro*esse) 2%#*k./ </ <anks w#t1#n 25 )a/s / 15 )a/s an) 7 )a/s for fres1 app.#*at#ons / renewa. of .#-#ts an) a)1o* .#-#ts? respe*t#ve./B OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 56
0n:pr#n*#p.e .#-#ts wo%.) <e set for a per#o) of /ears w#t1 a prov#s#on for stan):</ .#-#t of 20 per *ent to -eet %r$ent *re)#t nee)s. >owever an ann%a. rev#ew of s%*1 a**o%nts s1a.. <e )one. Car) 1o.)ers wo%.) <e $#ven preferen*e #n t1e -atter of $rant#n$ of pa*k#n$ *re)#t #n fore#$n *%rren*/B >+/ R+ -a/ *ons#)er wa#ver of *o..atera.s an) eDe-pt#on fro- ,C4C $%arantee on t1e <as#s of *ar) 1o.)erIs *re)#twort1#ness an) tra*k re*or). Con*ess#ona. R+0 on post s1#p-ent r%pee eDport *re)#t -a/ <e eDten)e) fro- 90 )a/s to 180 )a/s. . INFRASTRUCTURE FINANCIN6 D&(ntonD (n/ *re)#t fa*#.#t/ #n w1atever for- eDten)e) </ .en)ers (#.e. Banks? ".s or 5B"Cs) to an #nfrastr%*t%re fa*#.#t/ as spe*#f#e) <e.ow fa..s w#t1#n t1e )ef#n#t#on of Z0nfrastr%*t%re .en)#n$Z #. ( roa)? #n*.%)#n$ to.. roa)? a <r#)$e or a ra#. s/ste-B ##. ( 1#$1wa/ proEe*t #n*.%)#n$ ot1er a*t#v#t#es <e#n$ an #nte$ra. part of t1e 1#$1wa/ ProEe*tB ###. ( port? a#rport? #n.an) waterwa/ or #n.an) portB #v. ( water s%pp./ proEe*t? #rr#$at#on proEe*t? water treat-ent s/ste-? san#tat#on an) sewera$e s/ste- or so.#) waste -ana$e-ent s/ste-B v. 6e.e*o--%n#*at#on serv#*es w1et1er <as#* or *e..%.ar? #n*.%)#n$ ra)#o pa$#n$? )o-est#* sate..#te serv#*e (#.e. a sate..#te owne) an) operate) </ an 0n)#an *o-pan/ for prov#)#n$ te.e*o--%n#*at#on serv#*e)? network of tr%*k#n$? <roa)<an) network an) 0nternet serv#*es. v#. (n #n)%str#a. park or spe*#a. e*ono-#* ;one. v##. 4enerat#on or $enerat#on an) )#str#<%t#on of power. v###. 6rans-#ss#on or )#str#<%t#on of power </ .a/#n$ a network of new trans-#ss#on or )#str#<%t#on .#nes. #D. proEe*ts #nvo.v#n$ a$ro:pro*ess#n$ an) s%pp./ of #np%ts to a$r#*%.t%re. D. ProEe*ts for preservat#on an) stora$e of pro*esse) a$ro:pro)%*ts? per#s1a<.e $oo)s s%*1 as fr%#ts? ve$eta<.es an) f.owers #n*.%)#n$ test#n$ fa*#.#t#es for 2%a.#t/B an) D#. ,)%*at#ona. #nst#t%t#ons an) 1osp#ta.s. D##. La/#n$ )own an)/or -a#ntenan*e of $as? *r%)e o#. an) petro.e%- -#nera.s #n*.%)#n$ *#t/ $as )#str#<%t#on network. D###. (n/ ot1er #nfrastr%*t%re fa*#.#t/ of s#-#.ar nat%re 4. Pro#&$$n! , Appra$a% o( Loan Propo$a%$D Proper ana./s#s of <a.an*e s1eet s1o%.) <e -a)e an) t1e <a.an*e s1eet #tse.f s1o%.) not <e -ore t1an s#D -ont1s o.). 0n *ase t1e a%)#te) <a.an*e s1eet #s -ore t1an s#D -ont1s o.)? prov#s#ona. res%.ts for .atest ava#.a<.e )ate s1o%.) <e o<ta#ne) an) ana./;e). (s per t1e s/ste-? 6aD (%)#t #s *o-p%.sor/ w1ere t1e t%rnover #n a f#nan*#a. /ear #s a<ove Rs. '0.00 .a*s (Re*e#pts a<ove Rs. 15.00 La*s #n *ase of profess#ona.s). (s s%*1? #t #s ne*essar/ to o<ta#n a%)#te) f#nan*#a. state-ents of non: Corporates a.so #n fo..ow#n$ *asesA 1. ,nEo/#n$ work#n$ *ap#ta. .#-#ts a<ove Rs. 10.00 La* 2. 6%rnover of -ore t1an Rs. '0.00 La* #n *ase on non: profess#ona.s an) re*e#pts a<ove Rs. 15.00 La* #n *ase of profess#ona.s. 5. T'rnoB&r M&t)o" ;Up to R$5 35--Cror&<D 61e work#n$ *ap#ta. .#-#ts of t1e <orrowers w#t1 work#n$ *ap#ta. .#-#ts %p to Rs.5.00 Crores #n *ase of !8, %n#ts/ot1er %n#ts #s *o-p%te) on t1e <as#s of 20% of t1e#r rea.#st#* proEe*te) t%rnover s%<Ee*t to t1e *on)#t#on t1at a -#n#-%- -ar$#n of 5% of t%rnover s1a.. <e <ro%$1t #n </ t1e pro-oters/<orrowers as t1e#r own *ontr#<%t#on. 61e 8PB" s/ste- s1a.. *ont#n%e) to <e fo..owe) for a.. <orrowers w#t1 work#n$ *ap#ta. .#-#t a<ove rs.5 *rore. '. 6'"&%n&$ (or R&B&? o( T&rm Loan A##o'nt$ a) Kork#n$ Cap#ta. fa*#.#t#es san*t#one) a.on$ w#t1 6er- Loans (#rrespe*t#ve of t1e o%tstan)#n$ #n t1e 6er- Loan) OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 57
In #a$& o( T&rm Loan$ $an#ton&" a%on! ?t) Workn! Capta% (a#%t&$, t)& r&B&? o( T&rm Loan $)o'%" A& 'n"&rtak&n a%on! ?t) t)& Workn! Capta% (a#%t&$ at t)& tm& o( ann'a% r&B&?5 <) 6er- Loans (stan)a.one) w#t1 o%tstan)#n$ of Rs.50.00 La*s an) a<ove. 0n *ases w1ere 6er- Loans 1ave <een san*t#one) on stan)a.one <as#s an) t1e o%tstan)#n$ at t1e t#-e of rev#ew #s Rs. 50.00 .a*s an) a<ove? t1e san*t#on#n$ a%t1or#t/ s1a.. ens%re t1at t1e rev#ew of s%*1 6er- Loans #s %n)ertaken ann%a../ w#t1o%t fa#.. *) 6er- Loans (stan)a.one) w#t1 o%tstan)#n$ of .ess t1an Rs. 50.00La*s. 61e rev#ew of a.. 6er- Loans san*t#one) on a stan)a.one <as#s w#t1 o%tstan)#n$ of .ess t1an Rs. 50.00 .a*s at t1e t#-e of rev#ew s1a.. <e %n)ertaken </ t1e respe*t#ve san*t#on#n$ a%t1or#t/ on a *onso.#)ate) <as#s #.e. a.. s%*1 ter- .oans taken to$et1er #n a state-ent for- as per t1e pres*r#<e) for-at.
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 58
>owever? t1e renewa. / rev#ew/ en1an*e-ent or a))#t#ona. t/pe of .#-#ts to s%*1 *.#ents s1a.. <e *ons#)ere) </ t1e f%n*t#onar/ #n w1ose )e.e$ate) powers? t1e proposa. fa..s
0n *ase of HUF t1e eDpos%re .#-#t s1a.. <e as app.#*a<.e to #n)#v#)%a. #.e. 0 *rore
Mat'rt> Pro(%& (or ProO&#t T&rm Loan,In(ra$tr'#t'r& T&rm Loan a. 6er- Loans are essent#a../ .on$:ter- eDpos%res *o-pare) to work#n$ *ap#ta. fa*#.#t/. 61ese wo%.) <e $overne) </ (sset L#a<#.#t/ 8ana$e-ent ((L8) $%#)e.#nes of RB0. 61e ter- .oan -at%r#t/ prof#.e (eD*.%)#n$ Reta#. !*1e-es / >o%s#n$ Loans) s1o%.) not $enera../ eD*ee) 7 /ears >owever? Re$#ona. >ea)s an) f%n*t#onar#es at >ea) +ff#*e -a/ per-#t ter- .oans 1av#n$ repa/-ent per#o) %p to 10 /ears (0n*.%)#n$ $estat#on per#o)) on *ase to *ase <as#s? w1ere *as1 f.ow E%st#f#es s%*1 .on$er repa/-ent per#o). <. 0n t1e *ases of f#nan*#n$ for #nfrastr%*t%re? t1e ter- .oan -at%r#t/ per#o) -a/ $o %p to 15 /ears or -ore. B%t 0n *ase t1e repa/-ent per#o) #s over 15 /ears #t -a/ <e *ons#)ere) </ t1e san*t#on#n$ a%t1or#t/ on *ase to *ase <as#s. *. >owever? t1e *ases w1ere repa/-ent of 6er- Loan #s <e/on) 7 /ears? t1e #nfor-at#on of s%*1 *ases s1a.. <e s%<-#tte) </ respe*t#ve Re$#ona. +ff#*es to Cre)#t ()-#n#strat#on &epart-ent at >+ w1#*1 s1a.. p.a*e t1e *onso.#)ate) #nfor-at#on (R+N>+) of a.. s%*1 *ases to (LC+ for #nfor-at#on.
Tr&atm&nt o( Un$&#'r&" Loan$ a$ P'a$ Capta% K1#.e *a.*%.at#n$ "&At &J't> rato / .evera$e rat#o of propr#etors1#p / partners1#p *on*erns? %nse*%re) .oans fro- fa-#./ -e-<ers -a/ <e taken as 2%as#:*ap#ta.. 0n *ase of 7Pr#vate .#-#te) *o-pan/9 %nse*%re) .oans fro- &#re*tors / fa-#./ -e-<ers of &#re*tors -a/ a.so <e taken as 2%as#:*ap#ta.. >owever? t1ese re.aDat#ons w#.. <e s%<Ee*t to o<tent#on of %n)ertak#n$ fro- t1e propr#etors/partners/ )#re*tors? as t1e *ase -a/ <e? t1at t1e .eve. of s%*1 %nse*%re) .oans/ s1a.. re-a#n at t1e proEe*te) .eve. )%r#n$ t1e *%rren*/ of <ank f#nan*e.
!%<or)#nate) )e<t/ -e;;an#ne )e<t -a/ a.so <e *ons#)ere) as part of 2%as# *ap#ta. keep#n$ #n v#ew t1e#r nat%re. 61ese t/pes of )e<ts s1o%.) <e s%<or)#nate) to a.. ot1er *re)#tors.
Tr&atm&nt o( Mar!n 'n"&r B6, L,C &epos#t kept for t1e p%rpose of -ar$#n towar)s B4/LC? -a/ <e treate) as *%rrent assets for t1e p%rpose of C%rrent Rat#o on./. >owever? t1e sa-e -a/ <e eD*.%)e) fro- t1e <%#.t of *%rrent assets w1#.e arr#v#n$ at 8PB".
Tr&atm&nt o( TL In$ta%m&ntD 6reat-ent of 6L #nsta.-ent fa..#n$ )%e w#t1#n 12 -ont1s s1a.. not <e #n*.%)e) #n *%rrent .#a<#.#t#es for 8PB" #n *ase s%ff#*#ent *as1 $enerat#on #s ava#.a<.e to take *are of t1e aforesa#) *o--#t-ent.
Sto#k A'"t 61e sto*k a%)#t nee) not to <e *on)%*te) </ t1e C1artere) a**o%ntant w1ereA #) 61e <orrower #s ava#.#n$ no ot1er f%n) <ase) or non f%n) <ase) fa*#.#t#es eD*ept Bank 4%arantees ##) 61e <orrower #s ava#.#n$ )e-an) .oan or over)raft a$a#nst #--ova<.e propert/. ###) 61e <orrower #s ava#.#n$ t1e *re)#t fa*#.#t/ a$a#nst f%t%re renta.s on./. #v) 61e .oan a$a#nst propert/ san*t#one) to BankIs Lan) .or)s/ .an) .a)#es? t1e pre-#ses of w1#*1 1as <een taken on .ease </ t1e Bank v) !tan) a.one ter- .oan v#) "%n) <ase) work#n$ *ap#ta. .#-#t #s .ess t1an 2 *rore #n *ase of stan)ar) (C = restr%*t%re) / 5P( (/Cs 1av#n$ KC .#-#t Rs. .ess t1an 1 *rore.
I$$'&$ r&%atn! to RCon(%#t Damon"$R Geep#n$ #n v#ew t1e reso.%t#on passe) </ Ln#te) 5at#ons 4enera. (sse-<./ on 01.12.2000 re.at#n$ to *onf.#*t )#a-on)? t1e Bank nee)s to <e *aref%. w1#.e )ea.#n$ w#t1 eDport of &#a-on)s. (s s%*1 an %n)ertak#n$ #s to <e o<ta#ne) fro- t1e eDporter a<o%t t1e area of or#$#n of t1e &#a-on) *ert#f/#n$ t1atA OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 5
a. 61e )#a-on)s eDporte)/ <e#n$ eDporte) are not or#$#nate) fro- areas/*o%ntr#es fa..#n$ w#t1#n t1e perv#ew of t1e ter- RCon(%#t Damon"$R5 <. 61e/ 1ave *o-p.#e) w#t1 a.. t1e $%#)e.#nes /.e$#s.at#ons #ss%e) #n t1#s re$ar) fro- t#-e to t#-e </ 4ovt of 0n)#a? Reserve Bank of 0n)#a / &#a-on) 6ra)#n$ Corporat#on or an/ a%t1or#;e) a$en*/ #n t1#s re$ar).
A!r#'%t'r& L&n"n!D 61e .oans s1a.. <e I 1. 0n ter-s of 4ovt. of 0n)#a $%#)e.#nes? s#n*ere efforts s1a.. <e -a)e to a*1#eve at .east 0% #n*rease #n a$r#. a)v. over t1e .ast /earIs )#s<%rse-ent. 2. ,a*1 r%ra. an) se-# %r<an <ran*1 s1a.. a)) at .east 100 new for-er <orrowers )%r#n$ 2010:11. . ,a*1 r%ra. = se-# %r<an <ran*1 s1a.. )#re*t at .east 40% a$r# *re)#t for #nvest-ent p%rpose for 2: new #nvest-ent proEe*ts #n t1e area of p.antat#on = 1ort#*%.t%re? f#s1er#es? or$an#* far-#n$? a$ro pro*ess#n$? .#ve sto*k? -#*ro #rr#$at#on? spr#nk.er #rr#$at#on an) ot1er a$r#. a*t#v#t#es. 4. 8#n#-%- of 40% of fres1 a$r#*%.t%re a)van*e to s-a.. an) -ar$#na. far-ers.
For C6TMSE (&&$ A> "&Atn! C)ar!&$ 6&n&ra% I Comm$$on Pa" a##o'nt #. +ne t#-e Lp front 4%arantee "ee for a <.o*k of 5 /ears W 1 % of t1e *re)#t fa*#.#t/ ("%n) <ase) = 5on "%n) Base)) san*t#one) %p to Rs 5 Lak1 for new *ases. ##. (nn%a. !erv#*e "ee W 0.50 % of t1e *re)#t fa*#.#t#es san*t#one) %p to Rs 5.00 .ak1 ("B N 5"B) for eD#st#n$ as we.. as new *ases 2. 8at%r#t/ prof#.e of 6er- Loan (#n*.%s#ve of $estat#on per#o)) !r 5o 5at%re of 6er- Loan 8at%r#t/ Prof#.e 1 !1ort 6er- Loan Be.ow /ears 2 8e)#%- 6er- Loan /ears an) a<ove <%t <e.ow 5/ears Lon$ 6er- Loan 5 /ears an) a<ove <%t %pto 7/ears 4 6er- Loan for 0nfrastr%*t%re +ver 7 /ears
D&%&!aton O( D$#r&tonar> Po?&r$ For A"Ban#&$ ;R$5 In Cror&$< A't)ort> Sn!%& Borro?&r 6ro'p E@po$'r& C1a#r-an = 8ana$#n$ &#re*tor '0.00V 120.00 ,De*%t#ve &#re*tor 45.00V 90.00 4enera. 8ana$er ("%n*t#ona. >ea)) at >ea) off#*e = 4enera. 8ana$er (Re$#ona. >ea)) 25.00V 40.00 &48 (Re$#ona. >ea)) &48(Cre)#t) at >ea) +ff#*e &48 C Bran*1 0n*%-<ent 10.00
S)ort not&$ D (. 0n ter-s of !e*t#on 20(1) of t1e Bank#n$ Re$%.at#on (*t? 1949? a <ank *annot $rant an/ .oans an) a)van*es on t1e se*%r#t/ of #ts own s1ares B. Loans to *o-pan#es for <%/:<a*k of s1ares/se*%r#t#es are not per-#tte). C. Bran*1es s1o%.) not eDten) f#nan*e for sett#n$ %p of new %n#ts *ons%-#n$/pro)%*#n$ t1e +;one &ep.et#n$ !%<stan*es (+&!) spe*#f#e) </ RB0.
Bank s1a.. not $rant an/ .oan/a)van*e for s%<s*r#pt#on to 0&Rs (In"an D&po$tor> R&#&pt$<. "%rt1er? Bank s1a.. not $rant an/ .oan/a)van*e a$a#nst se*%r#t//*o..atera. of 0&Rs #ss%e) #n 0n)#a.
Bank *annot $rant .oans a$a#nst C&s (C&rt(#at& o( D&po$t$< an) a.so not:per-#tte) to <%/:<a*k t1e#r own C&s <efore -at%r#t/ eD*ept C&s 1e.) </ -%t%a. f%n)s.
PRIORIT8 SECTOR 8a#n t1r%st of t1e Bank s1a.. <e on reta#n#n$ eD#st#n$ *%sto-ers? a*2%#s#t#on of new *%sto-ers? prov#)#n$ 2%a.#t/ an) nee) <ase) *re)#t to var#o%s se*tors of t1e e*ono-/. "o..ow#n$ se*tors 1ave <een #)ent#f#e) for f.ow of *re)#t on pr#or#t/ <as#sA a) ($r#*%.t%re <) 8!8, !e*tor OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 61
M#ro an" Sma%% Ent&rpr$&$ ;Dr&#t an" In"r&#t Fnan#&< &#re*t f#nan*e to -#*ro an) s-a.. enterpr#ses s1a.. #n*.%)e a.. .oans $#ven to -#*ro an) s-a.. (-an%fa*t%r#n$) enterpr#ses en$a$e) #n -an%fa*t%re/ pro)%*t#on? pro*ess#n$ or preservat#on of $oo)s? an) -#*ro an) s-a.. (serv#*e) enterpr#ses en$a$e) #n prov#)#n$ or ren)er#n$ of serv#*es? an) w1ose #nvest-ent #n p.ant an) -a*1#ner/ an) e2%#p-ent (or#$#na. *ost eD*.%)#n$ .an) an) <%#.)#n$ an) s%*1 #te-s as -ent#one) t1ere#n) respe*t#ve./? )oes not eD*ee) t1e a-o%nts spe*#f#e) </ RB0. 61e -#*ro an) s-a.. (serv#*e) enterpr#ses s1a.. #n*.%)e s-a.. roa) = water transport operators? s-a.. <%s#ness? profess#ona. = se.f:e-p.o/e) persons? reta#. tra)e #.e. a)van*es $rante) to reta#. tra)ers )ea.#n$ #n essent#a. *o--o)#t#es (fa#r pr#*e s1ops)? *ons%-er operat#ve stores an) a)van*es $rante) to pr#vate reta#. tra)ers w#t1 *re)#t .#-#ts not eD*ee)#n$ Rs. 20 .ak1 an) a.. ot1er serv#*e enterpr#ses? as spe*#f#e) </ RB0/ 8#n#str/ of 8!8,? 4ovt. of 0n)#a. M#ro Cr&"t Dr&#t M#ro Cr&"t Prov#s#on of *re)#t an) ot1er f#nan*#a. serv#*es an) pro)%*ts of ver/ s-a.. a-o%nts not eD*ee)#n$ Rs. 50?000 per <orrower )#re*t./ or #n)#re*t./ t1ro%$1 a !>4/JL4 -e*1an#s- for on: .en)#n$ %p to Rs. 50?000 per <orrower w#.. *onst#t%te -#*ro *re)#t.
Ho'$n! I C%a$$(#aton 'n"&r Prort> $&#tor 0. Loans %p to Rs. 25 .ak1? #rrespe*t#ve of .o*at#ons? to #n)#v#)%a.s for p%r*1ase/*onstr%*t#on of a )we..#n$ %n#t per fa-#./ an) .oan $#ven for repa#rs to t1e )a-a$e) )we..#n$ %n#ts of fa-#.#es %p to Rs. 1 .ak1 #n r%ra. an) se-#:%r<an areas an) %p to Rs. 2 .ak1 #n %r<an an) -etropo.#tan areas. 00. (ss#stan*e $#ven to an/ $overn-enta. a$en*/ for *onstr%*t#on of )we..#n$ %n#ts or for s.%- *.earan*e an) re1a<#.#tat#on of s.%- )we..ers? s%<Ee*t to a *e#.#n$ of Rs. 5 .ak1 of .oan a-o%nt per )we..#n$ %n#t. 000. (ss#stan*e $#ven to a non:$overn-enta. a$en*/ approve) </ t1e 5>B for t1e p%rpose of ref#nan*e for *onstr%*t#on/re*onstr%*t#on of )we..#n$ %n#ts or for s.%- *.earan*e an) re1a<#.#tat#on of s.%- )we..ers? s%<Ee*t to a *e#.#n$ of .oan *o-ponent of Rs. 5 .ak1 per )we..#n$ %n#t. 0@. Loans $rante) to >o%s#n$ "#nan*e Co-pan#es (>"Cs)? approve) </ 5at#ona. >o%s#n$ Bank for t1e p%rpose of ref#nan*e? for on:.en)#n$ to #n)#v#)%a.s for p%r*1ase/*onstr%*t#on of )we..#n$ %n#ts? prov#)e) t1e 1o%s#n$ .oans $rante) </ >"Cs )o not eD*ee) Rs.20 .ak1 per )we..#n$ %n#t per fa-#./. 61e a<ove spe*#a. )#spensat#on s1a.. app./ to .oans $rante) </ <ank to >"Cs %p to 8ar*1 1? 2010. !%*1 .oans $rante) t#.. 8ar*1 1? 2010 w#.. *ont#n%e to <e *.ass#f#e) %n)er pr#or#t/ se*tor t#.. t1e/ are repa#). 61e en) %se of t1e f%n)s s1a.. <e ens%re) as per t1e RB0 $%#)e.#nes on .en)#n$ to pr#or#t/ se*tor. Ho?&B&r a%% $ta(( %oan$ !rant&" to t)& &mp%o>&&$ o( t)& Aank n#%'"n! %oan$ !rant&" 'n"&r #on$'m&r Aankn! an" )om& %oan ar& not to A& #%a$$(&" a$ prort> $&#tor5
E"'#aton I C%a$$(#aton 'n"&r PS ,)%*at#on .oans #n*.%)e .oans an) a)van*es $rante) to on./ #n)#v#)%a.s for e)%*at#ona. p%rposes %p to Rs. 10 .ak1 for st%)#es #n 0n)#a an) Rs. 20 .ak1 for st%)#es a<roa)? an) )o not #n*.%)e t1ose $rante) to #nst#t%t#ons. >owever? Loans $rante) to e)%*at#ona. #nst#t%t#ons w#.. <e e.#$#<.e to <e *.ass#f#e) as pr#or#t/ se*tor a)van*es %n)er -#*ro an) s-a.. (serv#*e) enterpr#ses? prov#)e) t1e/ sat#sf/ t1e prov#s#ons of 8!8,& (*t 200'.
Un"&r t)& r&B$&" RBI $%#)e.#nes on .en)#n$ to pr#or#t/ se*tor? a)van*es $rante) for reta#. tra)e #.e. a)van*es $rante) to reta#. tra)ers )ea.#n$ #n essent#a. *o--o)#t#es (fa#r pr#*e s1ops)? *ons%-er *o:operat#ve stores an) a)van*es $rante) to pr#vate reta#. tra)ers w#t1 *re)#t .#-#ts not eD*ee)#n$ Rs. 20 .ak1 fa.. %n)er pr#or#t/ se*tor OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 62
T&rm Loan$ I Important pont$ a) Pro-oterIs *ontr#<%t#on of at .east 20% #n t1e tota. e2%#t/ #s nor-a../ eDpe*te). e) 61e ot1er <as#* para-eters wo%.) <e t1e net )e<t serv#*e *overa$e rat#o? #.e. eD*.%s#ve of #nterest pa/a<.e? w1#*1 s1a.. nor-a../ not $o <e.ow 2. +n a $ross <as#s avera$e &!CR s1a.. not <e <e.ow 1.5. 0n *ase of 1#$1./ *ap#ta. #ntens#ve/#nfrastr%*t%re proEe*ts? &!CR of .ess t1an 1.5A1(%p to 1.2A1) -a/ <e *ons#)ere) on *ase to *ase <as#s. f) (s re$ar)s -ar$#n an)/or se*%r#t/? t1#s w#.. )epen) on &e<t ,2%#t/ rat#o w1#*1 s1o%.) not nor-a../ <e a<ove 2A1 #.e. )e<t s1o%.) not <e -ore t1an 2 t#-es t1e e2%#t/ *ontr#<%t#on. >owever? #n *ase of *ap#ta. #ntens#ve #n)%str#es? t1e sa-e -a/ <e *ons#)ere) %p to t1e .eve. of A1. k) 0n *ase a ter- .oan #s prepa#) </ t1e <orrower for s1#ft#n$ to ot1er Bank/"0? onet#-e pre:pa/-ent *1ar$es of 1% of t1e tota. o%tstan)#n$ <a.an*e s1a.. <e .ev#e). >owever? #n *ase of >o%s#n$ Loans? one:t#-e pre:pa/-ent pena.t/ of 2% on t1e o%tstan)#n$ <a.an*e s1a.. <e pa/a<.e #n *ase a *%sto-er transfer t1e .oan a**o%nt to ot1er <ank / "0 )#re*t./ or #n)#re*t./. A$ p&r t)& n&? )o'$n! %oan $#)&m& t)& pr& pa>m&nt p&na%t> )a$ A&&n "$#ontn'&" n a%% t)& #a$&$5 5o ter- .oan #s to <e san*t#one) </ t1e f#e.) f%n*t#onar#es #n #so.at#on w1ere t1e #-p.e-entat#on per#o) #s .ess t1an one /ear. p) 61e overa.. 6er- Loan *o-ponent of t1e Bank9s Cre)#t Portfo.#o (,D*ept#n$ 6er- Loans *overe) %n)er ($r#*%.t%re? !8, = ,Dports) s1a.. <e *ontro..e) so as not to nor-a../ eD*ee) '0 % of t1e Bank9s tota. a)van*es) 2) C1artere) (**o%ntants *ert#f#*ate for en) %se of f%n)s s1a.. <e o<ta#ne) #n a.. *ases of Bank9s eDpos%re of Rs.5.00 *rore an) a<ove. r) Cert#f#*ate fro- .en)erIs #n)epen)ent en$#neer *onf#r-#n$ t1at pro$ress of *#v#. work an) #nsta..at#on of p.ant an) -a*1#ner#es #s #n a**or)an*e w#t1 t1e proEe*t report s1a.. <e o<ta#ne). 61#s *ert#f#*ate s1o%.) <e o<ta#ne) for ver#f#*at#on of *reat#on of assets #nvar#a<./ #n a.. proEe*ts #nvo.v#n$ te*1n#*a. eDpert#se w1ere <ank #s 1av#n$ eDpos%re of Rs 50.00 *rore an) a<ove. B#$ t#*ket .oan for <#))#n$ s1a.. <e per-#tte) for 1#$1 net wort1 <orrowers. 5et wort1 of s%*1 <orrowers s1a.. not <e .ess t1an 100 *rore +R P%<.#* !e*tor Ln)ertak#n$. T&#)no-E#onom# 7aA%t> ;TE7< St'"&$ Cons#)er#n$ t1e #n*reas#n$ )e-an) for 6er- Loan? #t was )e*#)e) t1at 6,@ !t%)/ s1a.. <e *arr#e) o%t for a.. proposa.s seek#n$ fres1 ter- .oans eD*ee)#n$ M 5.00 *rore fro- o%r <ank. Con$ort'm (nan#n! C 61e RB0 $%#)e.#nes for -an)ator/ for-at#on of *onsort#%- #n respe*t of work#n$ *ap#ta. .#-#ts of Rs. 50 *rores an) a<ove for t1e <ank#n$ s/ste- stan)s w#t1)rawn. Bank w#.. prefer to 1ave? s%<Ee*t to pr%)ent#a. nor-? at .east 5% s1are as a -e-<er of *onsort#%- for a -ean#n$f%. part#*#pat#on #n t1e *onsort#%-. T)& %oan app%#aton$ perta#n#n$ to !C/!6? !8, an) ,Dports *annot <e reEe*te) </ t1e san*t#on#n$ a%t1or#t/ %n)er w1ose powers t1e sa-e fa..s. +n./ t1e neDt 1#$1er san*t#on#n$ a%t1or#t/ *an reEe*t t1e sa-e. 61e Bank 1as entere) #nto 8+L w#t1 ,XL0"(Y Cre)#t 0nfor-at#on !erv#*es Pvt. Lt) (,C0!) w1#*1 #s a RB0 Re$#stere) Cre)#t 0nfor-at#on Co-pan/ .#ke C0B0L. ,XL0"(Y #s present./ prov#)#n$ Cons%-er !erv#*es on./ an) #s eDpe*te) to start Co--er*#a. !erv#*es after so-e t#-e. R&Bo%Bn! L&tt&r O( Cr&"t Re#nstate-ent *.a%se #n revo.v#n$ LCs <e s%#ta<./ wor)e) an) #n no *ase #t s1o%.) <e a%to-at#*. No r&Bo%Bn! LC A& $$'&" ?t)o't r&-n$tat&m&nt #%a'$&. 61e re#nstate-ent s1o%.) on./ <e per-#tte) after a wr#tten *onf#r-at#on fro- LC open#n$ <ran*1 #s re*e#ve) an) .#a<#.#t/ a$a#nst <#..s a.rea)/ ne$ot#ate) #s *.eare) </ t1e opener. Cr&"t F%o? to MSME S&#tor (s per 4overn-ent $%#)e.#nes? <ank s1o%.) a*1#eve a 20% /ear:on:/ear $rowt1 #n *re)#t to -#*ro an) s-a.. enterpr#ses to ens%re en1an*e) *re)#t f.ow. (.. t1e <ran*1es s1o%.) a*1#eve a 10% ann%a. $rowt1 #n t1e n%-<er of -#*ro enterpr#se a**o%nts. 61e a..o*at#on of '0% of t1e 8!, a)van*es to t1e 8#*ro ,nterpr#ses #s to <e a*1#eve) #n sta$es v#;. 50% #n t1e /ear 2010:11? 55% #n t1e /ear 2011:12 an) '0% #n t1e /ear 2012:1. +%t of tota. a)van*es to 8!, se*tor 40 per *ent s1o%.) $o to -#*ro(-an%fa*t%r#n$) enterpr#ses 1av#n$ #nvest-ent #n p.ant an) -a*1#ner/ %p to Rs. 5.ak1 an) -#*ro (serv#*e) enterpr#ses 1av#n$ #nvest-ent #n e2%#p-ent %p to Rs. 2.ak1. "%rt1er? 20 per*ent a)van*es to 8!, se*tor s1o%.) $o OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 63
to -#*ro (-an%fa*t%r#n$) enterpr#ses w#t1 #nvest-ent #n p.ant an) -a*1#ner/ a<ove Rs.5.ak1 an) %p to Rs. 25 .ak1? an) -#*ro (serv#*e) enterpr#ses w#t1 #nvest-ent #n e2%#p-ent a<ove Rs. 2 .ak1 an) %p to Rs. 10 .ak1. C%am$ on Corporat&$ C.a#-s on *orporates s1a.. #n*.%)e a.. "B an) 5"B eDpos%re eD*.%)#n$ t1ose w1#*1 are #n*.%)e) %n)er sovere#$n? <ank? re$%.ator/ reta#.? res#)ent#a. -ort$a$e? non perfor-#n$ assets an) ot1er spe*#f#e) *ate$or#es. 61e app.#*a<.e r#sk we#$1t s1a.. <e #n t1e ran$e of 20% to 150% )epen)#n$ %pon t1e rat#n$s ass#$ne) </ t1e eDterna. *re)#t rat#n$ a$en*#es as approve) </ t1e RB0. 61ese rat#n$ a$en*#es are CR0!0L? 0CR(? C(R, an) "06C> 0n)#a. Lon! T&rm C%am$ on Corporat&$ - R$k W&!)t$ E@t&rna% Ratn! AAA AA A BBB BB = A&%o? Unrat&" R$k ?&!)t .-F *-F 3-F +--F +3-F +--F
S)ort T&rm C%am$ on Corporat&$ - R$k W&!)t$ CARE CRISIL ICRA R$k W&!)t$ FITCH ICRA R$k W&!)t$ (1N (1N (1N (1N .-F (1 (1 (1 (1 *-F (2 (2 (2 (2 3-F ( ( ( ( +--F (4/(5 (4/(5 (4/(5 (4/(5 +3-F Lnrate) Lnrate) Lnrate) Lnrate) +--F R$k W&!)t$ (or 'n$&#'r&" porton o( NPA$ 61e %nse*%re) port#on of 5P( net of spe*#f#* prov#s#on an) part#a. wr#te offs s1a.. <e r#sk we#$1te) as %n)erA SN PARTICULARS RESIDENTIAL MORT6A6E OTHER NPA$ -+ !pe*#f#* prov#s#ons are .ess t1an 20% of o%tstan)#n$ a-o%nt of 5P( +--F +3-F -. !pe*#f#* prov#s#ons are at .east 20% an) %pto 50% of o%tstan)#n$ a-o%nt of 5P( 13F +--F -* !pe*#f#* prov#s#ons are at .east 50% of o%tstan)#n$ a-o%nt of 5P( 3-F 3-F +n./ e.#$#<.e *o..atera. re*o$n#;e) for *re)#t r#sk -#t#$at#on p%rposes s1a.. <e #n*.%)e) w1#.e est#-at#n$ t1e se*%re) port#on of t1e 5P(. 0f 5P( #s f%../ se*%re) </ t1e *o..atera. t1at are not re*o$n#se) for *re)#t r#sk -#t#$at#on p%rposes? e#t1er #n)epen)ent./ or a.on$ w#t1 ot1er e.#$#<.e *o..atera. a 100 per *ent r#sk we#$1t -a/ app./? net of spe*#f#* prov#s#ons? w1en prov#s#ons rea*1 15 per *ent of t1e o%tstan)#n$ a-o%nt. C.a#-s se*%re) </ res#)ent#a. propert/ an) *.ass#f#e) as 5P( are we#$1te) at 100 % net of spe*#f#* prov#s#ons. 0f t1e spe*#f#* prov#s#ons are at .east 20 % <%t .ess t1an 50 % of t1e o%tstan)#n$ a-o%nt? r#sk we#$1t app.#*a<.e to t1e .oan net of spe*#f#* prov#s#ons s1a.. <e 75 %. 0f t1e spe*#f#* prov#s#ons are 50 % or -ore t1e app.#*a<.e r#sk we#$1t w#.. <e 50 % 61e t1res1o.) .#-#t to #n)#v#)%a. <orrowers 1as <een f#De) at t1e .eve. of 5% of Capta% ('n"$ of t1e Bank an) s%<stant#a. ,Dpos%re .#-#ts #s )e*#)e) at a .eve. of 500% of t1e Capta% f%n)s of t1e Bank for t1e /ear 2011:12.T)& #apta% ('n"$ o( t)& Aank a$ on *+5-*5++ ?a$ R$5 +*//+52. #ror&$ 61e a$$re$ate eDpos%re of t1e Bank to t1e *ap#ta. -arket #n a.. for-s (<ot1 f%n) <ase) an) non:f%n) <ase)) $)o'%" not &@#&&" 2- p&r #&nt o( t$ n&t ?ort) as on 8ar*1 1 of t1e prev#o%s /ear. K#t1#n t1#s overa.. *e#.#n$ of 40 per *ent? t1e Bank9s )#re*t #nvest-ent #n s1ares? *onvert#<.e <on)s /)e<ent%res? %n#ts of e2%#t/:or#ente) -%t%a. f%n)s an) a.. eDpos%res to @ent%re Cap#ta. "%n)s (@C"s) Q<ot1 re$#stere) an) %nre$#stere)P s1o%.) not eD*ee) .- p&r #&nt o( n&t ?ort) a$ on Mar#) *+ o( t)& pr&Bo'$ >&ar. Bank9s #n)#re*teDpos%re (a)van*es to *ap#ta. -arket se*tor) s1a.. not eD*ee) 20 per*ent of net wort1.T)& n&t?ort) o( t)& Aank a$ on *+5-*5++ ?a$ R$5 /2405+* #ror&$ 61e Bank9s ,Dpos%re a$a#nst s1ares e#t1er </ wa/ of Loans an) ()van*es a$a#nst s1ares or w1ere t1e Bank #s a p.e)$ee of t1e s1ares 0% of Co-pan/9s Pa#):%p *ap#ta. or 0% of Bank9s Pa#):%p *ap#ta. N Reserves w1#*1ever #s .ess. Loans a$a#nst se*%r#t/ of s1ares? *onvert#<.e <on)s? *onvert#<.e )e<ent%res an) %n#ts of e2%#t/ or#ente) OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 64
-%t%a. f%n)s to #n)#v#)%a.s (rom t)& Aankn! $>$t&m s1o%.) not eD*ee) t1e .#-#t of Rs.20 .a*s per #n)#v#)%a. prov#)e) t1e se*%r#t#es are 1e.) #n )e-at for- Bank -a/ $rant a)van*es to #n)#v#)%a.s for s%<s*r#<#n$ to 0P+s. Loans/a)van*es to an/ #n)#v#)%a. fro- t1e <ank#n$ s/ste- a$a#nst se*%r#t/ of s1ares? *onvert#<.e <on)s? *onvert#<.e )e<ent%res? %n#ts of e2%#t/ or#ente) * an) P!L <on)s s1o%.) not eD*ee) t1e .#-#t of Rs.10 .ak1 for s%<s*r#<#n$ to 0P+s. Bank s1a.. o<ta#n a %n#for- -ar$#n of 50% w1#.e $rant#n$ f#nan*#n$ of 0P+9s. 0ss%e of $%arantees for *ap#ta. -arket operat#on. ( -#n#-%- *as1 -ar$#n of 25% (w#t1#n t1e -ar$#n of 50%) s1a.. <e -a#nta#ne) #n respe*t of $%arantees for *ap#ta. -arket operat#ons E@po$'r& 'n"&r R&a% E$tat& ;Fo( aBa%aA%& !ro$$ a"Ban#&$ o( Aank o( pr&Bo'$ J'art&r< Res#)ent#a. 8ort$a$e (&#re*t = 0n)#re*t) 20% Co--er*#a. Rea. ,state C 10% 0nvest-ent #n !e*%r#t#;e) Paper: 1% ($$re$ate ,Dpos%re to Rea. ,state *+5--F
T&rm Pr&m'm (or T&rm Loan 6ak#n$ #nto a**o%nt t1e )ep.o/-ent of Bank9s f%n) for a .on$ per#o) w1#*1 *arr#es a re.at#ve./ 1#$1er r#sk? a 6er- Pre-#%- of 50<ps over an) a<ove t1e nor-a. sprea) <%t w#t1#n t1e -aD#-%- sprea) for a.. fres1 ter- .oan w#t1 repa/-ent per#o) eD*ee)#n$ /ears 1ave <een #ntro)%*e). 6er- pre-#%- w#.. not <e app.#*a<.e on s*1e-at#* .en)#n$ %n.ess spe*#f#e). 0n respe*t of <orrowa. a**o%nts ava#.#n$ .#-#ts over Rs. 2.00 .a*s? #nterest rates 1ave <een .#nke) w#t1 t1e *re)#t r#sk rat#n$.
Prort> S&#tor ;UPDATED TILL *+-+.-.-++<
1. SMERA : Bank 1as a t#e:%p arran$e-ent w#t1 !8, Rat#n$ ($en*/ of 0n)#a Lt). (!8,R() on 1 t1
(pr#. 200'. !8,R( #s t1e f#rst an) on./ )e)#*ate) rat#n$ a$en*/ for t1e s-a.. = -e)#%- enterpr#ses (!8,) se*tor #n 0n)#a. Ln)er t1e arran$e-ent? !8,R( prov#)es *o-pre1ens#ve rat#n$ serv#*es to !8,s <orrowers of t1e Bank at t1e s%<s#)#;e) rates an) offer 20% )#s*o%nt for a.. !8, a**o%nts referre) </ o%r Bank to !8,R( for rat#n$. !8,R( w#.. a.so offer 75% )#s*o%nt on t1e renewa. rat#n$ fees. 2. E%!A%t> Crt&ra (or DRI - 61e Reserve Bank of 0n)#a v#)e t1e#r .etter )ate) 10 t1 (pr#. 2008 1as #nfor-e) t1at as a part of B%)$et !pee*1 for 2008:09? t1e <orrower9s e.#$#<#.#t/ *r#ter#a for ava#.#n$ .oan %n)er t1e &R0 s*1e-e 1as <een #n*rease). 61e <orrowers w#t1 ann%a. fa-#./ #n*o-e of Rs.18000/: #n t1e r%ra. areas an) Rs.24000/: #n t1e %r<an areas w#.. now <e e.#$#<.e to ava#. of t1e fa*#.#t/ %n)er &R0 s*1e-e as a$a#nst t1e ear.#er ann%a. #n*o-e *r#ter#a of Rs.'400/: #n r%ra. an) Rs.7200/: #n %r<an areas. 0t 1as <een *.ar#f#e) </ t1e 8#n#str/ of "#nan*e t1at t1e rev#se) e.#$#<#.#t/ #n*o-e *r#ter#a of Rs.24000/: for %r<an areas %n)er t1e &R0 s*1e-e #s app.#*a<.e to se-#:%r<an areas a.so. . T&#)no%o!> Up!ra"aton F'n" S#)&m& ;TUFS<- (01.04.2007 to 1.0.2012) : 61e 6e*1no.o$/ Lp $ra)at#on "%n) !*1e-e (6L"!) was #ntro)%*e) </ 4ovt. of 0n)#a on 1.4.1999 to prov#)e en*o%ra$e-ent to 6eDt#.e an) J%te 0n)%str#a. Ln#ts #n !!0 an) 5on:!!0 se*tor for tak#n$ %p te*1no.o$/ %p$ra)at#on an) to -o)ern#;e t1e#r pro)%*t#on fa*#.#t#es </ offer#n$ #n*ent#ves #n t1e for- of part#a. re#-<%rse-ent of #nterest. !0&B0 #s t1e no)a. a$en*/ for !!0 se*tor an) 0&B0 #s t1e no)a. a$en*/ for non:!!0 se*tor. 4. Am&n"m&nt$ n Or&nta% 6r&&n Car"; O6C < = Or&nta% 9$an 6o%" Car";O96C< S#)&m&
S5 No Param&t&r$ E@$tn! !'"&%n&$ Am&n"m&nt propo$&" 1 Per (*re !*a.e of f#nan*e for *rops propose) to <e $rown (s per re*o--en)at#on of &#str#*t 6e*1n#*a. *o--#ttee (s per re*o--en)at#on of &#str#*t 6e*1n#*a. *o--#ttee for *%rrent /ear 2 Repa#r = 8a#ntenan*e of ($r#. ,2%#p-ents/-a*1#ner/ 10 % of *rop pro)%*t#on .oan 25 % of *rop pro)%*t#on = ot1er a..#e) a*t#v#t#es .oan (Co.. 5o:1 of pro*ess note). "or-at of Rev#se) Pro*ess 5ote en*.ose) as (nneD%re:0 OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 65
(. 8#.*1 (n#-a.s #)Cross Bree) ,Dot#* : ##) Lo*a. Bree) : B. &ro%$1t (n#-a.s B%..o*k/*a-e./>e:<%ffa.o : C. !-a.. (n#-a.s 4oat/!1eep/p#$s
W8000/:per (n#-a. W '000 Per (n#-a.
W 4000 per (n#-a.
W 1000/:per an#-a.
W12000/: per (n#-a. W10000/: per (n#-a.
W 5000/: per an#-a.
W 2000/:per (n#-a. 4 5on far- (*t#v#t#es s%*1 as art#sans? s-a.. tra)#n$? -#*ro: enterpr#ses? ven)ors et*. ?orkn! #apta% n&&"? #f an/ 25% of ann%a. t%rnover (8aD#-%- Rs 25000/:) !a-e
5 Loan for fa-#./ *ons%-pt#on /eDpenses )%r#n$ t1e per#o) fro- sow#n$ to sta$e of 1arvest#n$ of *rops stan)#n$ #n t1e f#e.). 0 % of pro)%*t#on .oan(8aD#-%- Rs. 100000/:) !a-e
' Loan a-o%nt %p to -aD#-%- of Rs. 25000/:to !"/8" = Rs.50000/:to +t1er "ar-ers to repa/ t1e#r o.) )e<ts fro- non #nst#t%t#ona. so%r*es Rs. 25000/:to !"/8" = Rs.50000/:to +t1er "ar-ers Loan a-o%nt %p to -aD Rs.100000 or a*t%a. w1#*1ever #s .ower to a.. far-ers to repa/ t1e#r o.) )e<ts
7 Lan) &eve.op-ent a*t#v#t#es s%*1 as .an) Re*.a-at#on? Leve..#n$? "en*#n$? Ln)er$ro%n) p#pe .#n#n$ et*? Repa#r#n$ of *att.e s1e) =far- 1o%se et* 5#. 25 % of *rop pro)%*t#on = ot1er a..#e) a*t#v#t#es .oan (Co.. 5o:1 of pro*ess note) "or-at of Rev#se) Pro*ess 5ote en*.ose) as (nneD%re:0 8 "or post 1arvest a*t#v#t#es .#ke sort#n$? $ra)#n$? pa*k#n$? stor#n$? transportat#on *1ar$es for a$r#*%.t%re = a..#e) a*t#v#t#es pro)%*e 5#. 8aD#-%- Rs.20?000 per a*re 9 8aD#-%- .oan .#-#t 5o *e#.#n$ ? >owever ?.#-#t s1a.. not eD*ee) eDpe*te) ann%a. #n*o-e of far-ers fro- a.. so%r*es 5o *e#.#n$. 8aD#-%- Per-#ss#<.e .#-#t %n)er s*1e-e s1a.. <e as %n)er: () 8PB" arr#ve) as per pro*ess note. B) 50% of va.%e of a$r#*%.t%re .an) offere) as se*%r#t/. C) 6ota. eDpe*te) ann%a. #n*o-e fro- a.. so%r*es as per app.#*at#on.
8aD#-%- per-#ss#<.e .#-#t s1a.. <e .owest of (? B? C. 61e va.%at#on of .an) w#.. <e )one on t1e <as#s of .ast /ears avera$e pr#*e to <e o<ta#ne) fro- a**re)#te) reven%e off#*#a.. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 66
5. Farm&r$ C%'A Pro!ramm&- (or &@t&n"n! $'pport (or Farm&r$: C%'A Pro!ramm&-61e new po.#*/ w#.. *over a.. eD#st#n$ an) new *.%<s an) <e*o-e operat#ve fro- 01.07.2008. 0t w#.. a.so s%perse)e a.. prev#o%s #nstr%*t#ons on t1e pro$ra--eD (.. #nst#t%t#ona. a$en*#es ( Co--er*#a. Banks? Cooperat#ve Banks an) Re$#ona. R%ra. Banks ) an) a.. $rass:root .eve. or$an#sat#ons ( 54+s? PR0s? !tate ($r#*%.t%ra. Ln#vers#t#es? G@Gs? (68(? Post +ff#*es? et*.) are e.#$#<.e to for- "ar-ersI C.%<s. 5(B(R& ass#stan*e to a.. a$en*#es w#.. %n#for-./ <e W Rs.10?000/: per *.%< per ann%- for a per#o) of /ears #rrespe*t#ve of w1et1er t1e/ are #nst#t%t#ona. or ot1er a$en*#es an) a.so t1e re$#on *on*erne). 61e ass#stan*e w#.. <e towar)s -eet#n$ t1e fo..ow#n$ -#n#-%- an) -an)ator/ eDpensesA "or-at#on = -a#ntenan*e eDpenses A Rs. 2?000/: (wareness/ or#entat#on -eet at <ase .eve. A Rs. 5?000/: 8eet w#t1 eDperts pro$ra--e ( 2 Pro$ra--es #n a /ear ) A Rs. ?000/: 6ota. D R$5 +-,---,- '. A!r#'%t'r& Loan- A!an$t t)& S&#'rt> o( 6o%" K&?&%%&r> -Boar) of &#re*tors #n #ts -eet#n$ )ate) '.9.2008? approve) a s*1e-e to f#nan*e a$r#*%.t%ra. .oan a$a#nst t1e se*%r#t/ of 4o.) Jewe..er/ #n t1e na-e of TOr&nta% 9$an S?arn Car"U ;O9SC<5 "or #ss%an*e of +G!C t1e +r#enta. $reen *ar) pass <ook s1a.. <e %se)5 61e s1ort ter- pro)%*t#on/work#n$ *ap#ta. fa*#.#t/ s1a.. <e a..owe) as *as1 *re)#t s#-#.ar to +4C an) for #nvest-ent *re)#t separate ter- .oan a**o%nt s1a.. <e opene) for ea*1 a*t#v#t/. 0% a$a#nst va.%e of $o.) Eewe..er/ offere) as *o..atera. se*%r#t/. #) Crop Pro)%*t#on Loan : Bas#s of arr#v#n$ at t1e *re)#t .#-#t #s s*a.e of f#nan*e. ##) 6er- Loan A 8ar$#n Lpto Rs.50000/: 5#. (<ove Rs.50000/: 10%. 61e tota. *re)#t .#-#t w#.. <e )#v#)e) #n two parts #.e. work#n$ *ap#ta. port#on? s1a.. <e worke) o%t s#-#.ar to t1e +4C $%#)e.#nes an) ter- .oan s1a.. <e worke) o%t </ )e)%*t#n$ t1e work#n$ *ap#ta. port#on fro- tota. 2%ant%- of .oan <ase) on va.%e of $o.) Eewe..er/. 6o -ake t1e s*1e-e -ore attra*t#ve an) far-er fr#en)./? #t #s )e*#)e) to eDten) t1e .oan a$a#nst $o.) Eewe..er/ / orna-ents #n s#n$.e na-e of t1e far-er. >owever 5o +<Ee*t#on Letter </ t1e w#fe of t1e <orrower? $#v#n$ 1er no o<Ee*t#on to t1e p.e)$e of t1e $o.) orna-ents / Eewe..er#es p.e)$e) </ 1er 1%s<an) #n favo%r of t1e <ank an) %n)ertak#n$ t1at s1e w#.. not -ake an/ *.a#- on t1e sa#) $o.) #te-s on t1e preteDt of 1er #nterest #n t1e $o.) Eewe..er/ / orna-ents as 1er 0str#)1an or an/ ot1er $ro%n) w1atsoever a.on$ w#t1 t1e persona. $%arantee of t1e w#fe <e o<ta#ne). 7. Mo"(#aton In T)& Cr&"t 6'arant&& S#)&m& -61e C468!, v#)e t1e#r *#r*%.ar no C468!,/(44)/1095 )ate) 1' t1 Jan%ara/?2009 1as #nfor-e) t1e fo..ow#n$ *1an$es #n t1e s*1e-e t1e e.#$#<.e .oan .#-#t %n)er t1e s*1e-e w#.. now <e Rs 100 Lak1 #nstea) of Rs 50 Lak1. 10. &#s*ret#onar/ powers 61e #n*%-<ents of t1e <ran*1es 1ave <een veste) w#t1 powers to san*t#on fa*#.#t/ as %n)er: !*a.e:0 C Rs.10.00 La*s !*a.e:00C Rs.15.00 La*s !*a.e:000: Rs.0.00 La*s !*a.e:0@: Rs.50.00 La*s
&48 at >+/R>/00n) -an #n t1e Re$#on/Bran*1 #n*%-<ent: M00.00 La*s 48 at >+/R>: Rs.1000.00 La*s ,& : Rs.1500.00 La* C8& C Rs. 2000.00 La*s
(t par w#t1 )#s*ret#onar/ power for $enera. .oans OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 67
61e Cre)#t 4%arantee "%n) 6r%st for 8#*ro = !-a.. ,nterpr#ses s1a.. prov#)e t1e $%arantee as %n)erA Cat&!or> Ma@m'm E@t&nt o( 6'arant&& ?)&r& #r&"t (a#%t> $ Lp to Rs 5.00 Lak1 (<ove Rs 5.00 Lak1 %p to Rs 50.00 Lak1 (<ove Rs 50.00 Lak1 %p to Rs 100 Lak1
8#*ro ,nterpr#ses 85% of t1e a-o%nt #n )efa%.t s%<Ee*t to a -aD#-%- of Rs 4.25 Lak1 75% of t1e a-o%nt #n )efa%.t s%<Ee*t to a -aD#-%- of Rs 7.50 Lak1 Rs 7.50 Lak1 p.%s 50% of t1e a-o%nt #n )efa%.t a<ove Rs 50.00 Lak1 s%<Ee*t to -aD#-%- *e#.#n$ of Rs '2.50 Lak1.
80% of t1e a-o%nt #n )efa%.t s%<Ee*t to a -aD#-%- of Rs 40 Lak1 Rs 40 Lak1 p.%s 50% of a-o%nt #n )efa%.t a<ove Rs 50 Lak1 s%<Ee*t to overa.. *e#.#n$ of Rs '5.00 Lak1
(.. +t1er Cate$or/ of <orrowers 75% of t1e a-o%nt #n )efa%.t s%<Ee*t to a -aD#-%- of Rs 7.50 .ak1 Rs 7.50 Lak1 p.%s 50% of a-o%nt #n )efa%.t a<ove Rs 50 Lak1 s%<Ee*t to overa.. *e#.#n$ of Rs '2.50 Lak1 61e proposa.s for san*t#on of $%arantee approva.s w#.. 1ave to <e rate) #nterna../ </ t1e Bank. 61e proposa.s approve) </ t1e Bank on or after 8 t1 &e*e-<er? 2008 w#.. <e e.#$#<.e for t1e *overa$e %p to Rs 100 .ak1. 0n or)er to -#t#$ate t1e <%r)en an) to en*o%ra$e <orrowers to take t1e $%arantee *over? t1e Boar) of &#re*tors v#)e Boar) Reso.%t#on 5o.P!:9 )ate) 2.0'.2009 1as approve) *1an$es #n 4%arantee fee str%*t%re an) a**or)#n$./ t1e Bank s1a.. <ear ent#re *ost </ )e<#t#n$ C1ar$es 4enera. C Co--#ss#on Pa#) a**o%nt #n respe*t of fo..ow#n$ *ate$or/ of <orrowersA +ne t#-e Lp front 4%arantee "ee for a <.o*k of 5 /ears W 1 % of t1e *re)#t fa*#.#t/ ("%n) <ase) = 5on "%n) Base)) san*t#one) %p to Rs 5 Lak1 for new *ases.
(nn%a. !erv#*e "ee W 0.50 % of t1e *re)#t fa*#.#t#es san*t#one) %p to Rs 5.00 .ak1 ("B N 5"B) for eD#st#n$ as we.. as new *ases. PS Tar!&t$ 61e tar$ets an) s%<:tar$ets set %n)er pr#or#t/ se*tor .en)#n$ for )o-est#* an) fore#$n <anks operat#n$ #n 0n)#a are f%rn#s1e) <e.owA Dom&$t# #omm&r#a% Aank$ For&!n Aank$ Tota% Prort> S&#tor a"Ban#&$ 40 per *ent of ()E%ste) 5et Bank Cre)#t ((5BC) or *re)#t e2%#va.ent a-o%nt of +ff:Ba.an*e !1eet ,Dpos%re? w1#*1ever #s 1#$1er. 2 per *ent of (5BC or *re)#t e2%#va.ent a-o%nt of +ff:Ba.an*e !1eet ,Dpos%re? w1#*1ever #s 1#$1er. 18 per *ent of (5BC or *re)#t e2%#va.ent a-o%nt of +ff:Ba.an*e !1eet ,Dpos%re? w1#*1ever #s 1#$1er. Tota% a!r#'%t'ra% a"Ban#&$ +f t1#s? #n)#re*t .en)#n$ #n eD*ess of 4.5% of (5BC or *re)#t e2%#va.ent a-o%nt of +ff:Ba.an*e !1eet ,Dpos%re? w1#*1ever #s 1#$1er? w#.. not <e re*kone) for *o-p%t#n$ perfor-an*e %n)er 18 per *ent tar$et. >owever? a.. a$r#*%.t%ra. a)van*es %n)er t1e *ate$or#es I)#re*tI an) I#n)#re*tI w#.. <e re*kone) #n *o-p%t#n$ perfor-an*e %n)er t1e overa.. pr#or#t/ se*tor tar$et of 40 per *ent of (5BC or *re)#t e2%#va.ent a-o%nt of +ff:Ba.an*e !1eet ,Dpos%re? w1#*1ever #s 1#$1er. 5o tar$et. Sma%% Ent&rpr$& a"Ban#&$ ()van*es to s-a.. enterpr#ses se*tor w#.. <e re*kone) #n *o-p%t#n$ perfor-an*e %n)er t1e overa.. pr#or#t/ se*tor tar$et of 40 per *ent of (5BC or *re)#t e2%#va.ent a-o%nt of +ff:Ba.an*e !1eet ,Dpos%re? w1#*1ever #s 1#$1er. 10 per *ent of (5BC or *re)#t e2%#va.ent a-o%nt of +ff:Ba.an*e !1eet ,Dpos%re? w1#*1ever #s 1#$1er. M#ro enterpr#ses w#t1#n !-a.. ,nterpr#ses (#) 40 per *ent of tota. a)van*es to s-a.. enterpr#ses se*tor s1o%.) $o to -#*ro (-an%fa*t%r#n$) enterpr#ses 1av#n$ #nvest-ent #n p.ant an) -a*1#ner/ %p to Rs 5 .ak1 an) -#*ro (serv#*e) enterpr#ses 1av#n$ #nvest-ent #n e2%#p-ent %p to Rs. 2 .ak1B !a-e as for )o-est#* <anks. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 68
Dom&$t# #omm&r#a% Aank$ For&!n Aank$ se*tor (##) 20 per *ent of tota. a)van*es to s-a.. enterpr#ses se*tor s1o%.) $o to -#*ro (-an%fa*t%r#n$) enterpr#ses w#t1 #nvest-ent #n p.ant an) -a*1#ner/ a<ove Rs 5 .ak1 an) %p to Rs. 25 .ak1? an) -#*ro (serv#*e) enterpr#ses w#t1 #nvest-ent #n e2%#p-ent a<ove Rs. 2 .ak1 an) %p to Rs. 10 .ak1. (61%s? '0 per *ent of s-a.. enterpr#ses a)van*es s1o%.) $o to t1e -#*ro enterpr#ses). ,Dport *re)#t ,Dport *re)#t #s not a part of pr#or#t/ se*tor for )o-est#* *o--er*#a. <anks. 12 per *ent of (5BC or *re)#t e2%#va.ent a-o%nt of +ff:Ba.an*e !1eet ,Dpos%re? w1#*1ever #s 1#$1er. ()van*es to weaker se*t#ons 10 per *ent of (5BC or *re)#t e2%#va.ent a-o%nt of +ff:Ba.an*e !1eet ,Dpos%re? w1#*1ever #s 1#$1er. 5o tar$et. &#fferent#a. Rate of 0nterest !*1e-e 1 per *ent of tota. a)van*es o%tstan)#n$ as at t1e en) of t1e prev#o%s /ear. 0t s1o%.) <e ens%re) t1at not .ess t1an 40 per *ent of t1e tota. a)van*es $rante) %n)er &R0 s*1e-e $o to s*1e)%.e) *aste/s*1e)%.e) tr#<es. (t .east two t1#r) of &R0 a)van*es s1o%.) <e $rante) t1ro%$1 r%ra. an) se-#:%r<an <ran*1es. 5o tar$et. Q(5BC or *re)#t e2%#va.ent of +ff:Ba.an*e !1eet ,Dpos%res (as )ef#ne) </ &epart-ent of Bank#n$ +perat#ons an) &eve.op-ent of Reserve Bank of 0n)#a fro- t#-e to t#-e) w#.. <e *o-p%te) w#t1 referen*e to t1e o%tstan)#n$ as on 8ar*1 1 of t1e prev#o%s /ear. "or t1#s p%rpose? o%tstan)#n$ "C5R (B) an) 5R5R )epos#ts <a.an*es w#.. no .on$er <e )e)%*te) for *o-p%tat#on of (5BC for pr#or#t/ se*tor .en)#n$ p%rposes. "or t1e p%rpose of pr#or#t/ se*tor .en)#n$? (5BC )enotes 5BC p.%s #nvest-ents -a)e </ <anks #n non:!LR <on)s 1e.) #n >68 *ate$or/. 0nvest-ents -a)e </ <anks #n t1e Re*ap#ta.#;at#on Bon)s f.oate) </ 4overn-ent of 0n)#a w#.. not <e taken #nto a**o%nt for t1e p%rpose of *a.*%.at#on of (5BC. ,D#st#n$ #nvest-ents? as on t1e )ate of t1#s *#r*%.ar? -a)e </ <anks #n non:!LR <on)s 1e.) #n >68 *ate$or/ w#.. not <e taken #nto a**o%nt for *a.*%.at#on of (5BC? %p to 8ar*1 1? 2010. >owever? fres1 #nvest-ents </ <anks #n non:!LR <on)s 1e.) #n >68 *ate$or/ w#.. <e taken #nto a**o%nt for t1e p%rpose. &epos#ts p.a*e) </ <anks w#t1 5(B(R&/!0&B0? as t1e *ase -a/ <e? #n .#e% of non:a*1#eve-ent of pr#or#t/ se*tor .en)#n$ tar$ets/s%<:tar$ets? t1o%$1 s1own %n)er !*1e)%.e 8 C I0nvest-entsI #n t1e Ba.an*e !1eet at #te- 0 (v#) C I+t1ersI? w#.. not <e treate) as #nvest-ent #n non:!LR <on)s 1e.) %n)er >68 *ate$or/. "or t1e p%rpose of *a.*%.at#on of *re)#t e2%#va.ent of off:<a.an*e s1eet eDpos%res? <anks -a/ %se *%rrent eDpos%re -et1o). 0nter:<ank eDpos%res w#.. not <e taken #nto a**o%nt for t1e p%rpose of pr#or#t/ se*tor .en)#n$ tar$ets/s%<:tar$ets.P 6oB&rnm&nt Spon$or&" S#)&m&$D 1. DRI &#fferent#a. Rate of 0nterest (&R0 !*1e-e) #s .a%n*1e) on 12.0'.1972 6o <e #-p.e-ente) a.. over 0n)#a </ t1e Banks 6o f#nan*e W4% s#-p.e R+0 8aD#-%- .oan <e#n$ Rs15000/: for pro)%*t#ve a*t#v#t#es? 1#$1er e)%*at#on? K#t1o%t an/ s%<s#)/? -ar$#n or *o..atera. se*%r#t/? ())#t#ona. .oan of Rs5000/: to p1/s#*a../ 1an)#*appe)? 8ot#ve #s to ass#st poorest of t1e poor an) to <r#n$ t1e- a<ove t1e povert/ .#ne. Loan (*.ass#f#e) %n)er Keaker se*t#on:P! w#t1 t1e *on)#t#on t1at -#n 40% s1a.. <e san*t#one) to !C/!6 an) 2/r) of tota. &R0 s1o%.) <e to wo-en) #s re2%#re) to <e repa#) w#t1#n 5 /ears #n*.%s#ve of -orator#%- per#o) of -aD. 2 /ears. Can <e $rante) to 0n)#v#)%a.s w1ose fa-#./ #n*o-e not to eD*ee) Rs. 18000/: p.a. #n R%ra. (reas an) Rs. 24000/: p.a. #n Lr<an = !e-# Lr<an (reas 6o 0n)#v#)%a. w1ose .an) 1o.)#n$ )oes not eD*ee) 1 a*re or #rr#$ate) an) 2.5 a*res of %n: #rr#$ate) .an) (t1ere #s no s%*1 *e#.#n$ for !C/ !6 en$a$e) #n a$r#*%.t%re = a..#e) a*t#v#t#es) Can a.so <e san*t#one) to Peop.e en$a$e) #n Cotta$e/ R%ra. #n)%str#es? 6o P1/s#*a../ >an)#*appe) persons p%rs%#n$ for $a#nf%. o**%pat#on? 6o orp1ana$e/ wo-en9s 1o-e? *ooperat#ve so*#et#es #n*.%s#ve of Lar$e s#;e) ()#vas# 8%.t#p%rpose Co:+perat#ve !o*#et#es for 6r#<a. areas. Rs. 20000 for 1o%s#n$ to !C/!6 an) %n)er 0n)#ra (was 3oEna #s a.so #n*.%)e) #n &R0. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 6
2. SRMS : SCHEME FOR REHABILITATION OF MANUAL SCA7AN6ERS ,ffe*t#ve fro- 15.04.2008 (*.ass#f#e) %n)er P! C Keaker !e*t#on)? #n p.a*e of erstw1#.e !LR! to re1a<#.#tate t1e re-a#n#n$ s*aven$ers = t1e#r )epen)ents </ 8ar*1 2009 </ prov#)#n$ tra#n#n$? .oan = s%<s#)/ at %r<an = r%ra. areas to <e #-p.e-ente) </ t1e Banks. Lne-p.o/e) persons of a<ove 18 /ears w1o #s part#a../ or w1o../ en$a$e) #n t1e o<noD#o%s an) #n1%-an o**%pat#on of -an%a../ re-ov#n$ n#$1t so#. an) f#ft1 w1o 1ave not <een prov#)e) an/ ass#stan*e for re1a<#.#tat#on </ Centra. / !tate $ovt. are e.#$#<.e. ,ven !>4s are a.so e.#$#<.e 61e s*1e-e #s to <e #-p.e-ente) </ nat#ona. !afa# Gara-*1ar# "#nan*e = &eve.op-ent Corporat#on an) !tate C1anne.#n$ ($en*#es 8aD#-%- Loan of Rs5.00.a*s #s to <e san*t#one) w#t1o%t an/ -ar$#n fro- <orrowerB 1owever s%<s#)/ of 50% for proEe*t *ost of Rs25000.00 _R+0 W5% : (4% to wo-en)` an) 25%(-#n 12500/: -aD 20000/:) for proEe*t *ost of a<ove 25000.00 _R+0 W'%`. Loan of Rs25000.00 to <e repa#) w#t1#n /earsB Loan a<ove Rs25000.00 to <e repa#) w#t1#n 5 (8aD#-%- -orator#%- <e#n$ ' -ont1s #n*.%s#ve #n <ot1 t1e *ases)
*5 SKSR8 - SWARNA KA8ANTI SHAHRI ROZ6AR 8OKANA ;SKSR8< I;C%a$$(&" 'n"&r PS-W&ak&r $&#ton< !*1e-e app.#*a<.e #n %r<an areas %n)er %r<an Lo*a. Bo)/? #rrespe*t#ve of pop%.at#on s#;e to prov#)e $a#nf%. e-p.o/-ent to t1e %r<an poor <e.ow %r<an povert/ .#ne? %ne-p.o/e) or %n)er:e-p.o/e) = )eve.op-ent of wo-en = *1#.)ren #n Lr<an (reas (&KCL() : 4ro%p of at .east 10 wo-en C w#t1 no -#n a$e/ e)%*at#ona. 2%a.#f#*at#on *r#ter#a #s pres*r#<e) w1ereas tra#n#n$ #s ne*essar/ (&efa%.ters are not e.#$#<.e). Loan #s -eant to a fa-#./ on fa-#./ of #n)epen)ent k#t*1en <ase) on per *ap#ta #n*o-e !*1e-e #s to <e f%n)e) </ Centra. = !tate #n 75A25 Rat#o an) to <e #-p.e-ente) </ L!,P C Lr<an Lo*a. <o)/ / 8%n#*#pa. Co--#ttee Loan #s to san*t#one) for sett#n$:%p of !e.f:e-p.o/-ent vent%res 6wo or -ore <enef#*#ar#es *an for- partners1#p an) wo%.) <e e.#$#<.e for .oan 8aD#-%- proEe*t *ost of Rs50000/:. 8aD s%<s#)/ 15% (-aD 7500/:) .o*k #n 2 /ears. 8ar$#n 5% of proEe*t *ost. 5o *o..atera. or $%arantee for .oan to #n)#v#)%a. %p to Rs. 50000 an) to $ro%p %p to Rs. .a*. Loan #s to <e repa#) w#t1#n to 7 /ears w#t1 a #n*.%s#ve of -orator#%- of ' to 18 -ont1s. 6ar$et %n)er t1e s*1e-e #s 0% to Ko-enB % to )#sa<.e) an) on prorata <as#s of .o*a. pop%.at#on to !C/!6.
4. S6S8 : SWARANKA8ANTI 6RAM SWAROK6AR 8OKANA !*1e-e #s to <r#n$ #n)#v#)%a.s / $ro%ps of r%ra. poor a<ove povert/ .#ne. R%ra. !>4 w#t1 50% of !>4s fro- Ko-en are preferre). !*1e-e #s to <e f%n)e) </ Centra. = !tate #n 75A25 Rat#o an) to <e #-p.e-ente) </ Co--er*#a. Banks? RRBs/ Co:op Banks. +t1er "0s? Pan*1a/at RaE 0nst#t%t#ons? &R&(s? 54+s? 6e*1n#*a. 0nst#t%t#ons #n &#stt? #nvo.ve) #n pro*ess of p.ann#n$? #-p.e-entat#on / -on#tor#n$. R%ra. poor #)ent#f#e) t1ro%$1 BPL Censes approve) </ 4ra- !a<1a an) !>4 of 10:20 -e-<ers ()#ff#*%.t areas 5:20 -e-<ers). 8aD. 0% of -e-<er *an <e of (PL w#t1 t1e *on)#t#on t1at no s%<s#)/ s1a.. <e ava#.a<.e to t1e-. Loans to <e )#s<%rse) after a tra#n#n$ of 2 )a/s at t1e eDpense of &R&(. Loan s1a.. <e san*t#one) as pres*r#<e) </ &#stt. !4!3 Co--#ttee an) *as1 )#s<%rse-ent %pto Rs10000/: #n *as1. Cons%-pt#on .oan to t1e -aD of Rs2000/: per !waroE$ar#. !>4s are a.so a..owe) revo.v#n$ f%n) an) &R&( a..ows se*on) )ose of s%<s#)/ of Rs10000 after s%**essf%. %t#.#;at#on of s%<s#)/. 6ar$et %n)er t1e s*1e-e #s 40% to Ko-enB % to )#sa<.e) an) 50% to !C/!6 !%<s#)/ W0% of proEe*t *ost (-aD 7500/:B !C/!6 -aD 10000/:? !>4 W50W -aD 1.25.a* C 10000 per person -aD) (5& t1e s%<s#)/ s1a.. <e treate) as -ar$#n. Loan to <e repa#) w#t1#n 5? 7? 9 /ears. Co..atera. !e*%r#t/ / R& part/ $%arantee for #n)#v#)%a. .oan a<ove Rs. 50?000 = $ro%p .oans a<ove Rs. 5 .a*s. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 70
35 PME6P : PRIME MINISTER$ EMPLO8MENT 6ENERATION PRO6RAME I Cr&"t %nk&" $'A$"> $#)&m& n p%a#& o( PMR8 an" m&r!&" ?t) 97IC-RE6P S#)&m& -
6o $enerate e-p.o/-ent opport%n#t#es #n R%ra. = Lr<an areas </ sett#n$ %p on./ new -#*ro enterpr#ses? for s%sta#na<.e e-p.o/-ent to art#sans an) %ne-p.o/e) /o%t1 of a$e of -ore t1an 18 /ears for -an%fa*t%r#n$? serv#*e = <%s#ness a*t#v#t#es. 61e !*1e-e #s ()-#n#stere) </ 8#n#str/ of 8!,? #-p.e-ente) </ G@0C at 5at#ona. .eve. an) </ G@0C: Boar)? &0C = Banks at !tate .eve.. !*1e-e #s app.#*a<.e to (on./ one fro- fa-#./) 0n)#v#)%a.s? BPL !>4s? C1ar#ta<.e 6r%sts? Pro)%*t#on Coop !o*#et#es? 0nst#t%t#ons %n)er !o*#et#es Re$#strat#on (C6 of r%ra. an) %r<an areas. 61ere #s no #n*o-e *e#.#n$. 8#n#-%- ,) X%a.#f#*at#on #s 8t1 pass on./ of -an%fa*t%r#n$ proEe*ts *ost#n$ a<ove Rs10.00.a* an) serv#*e/ <%s#ness proEe*t a<ove 5 .a*s. Bes#)es? an ,&P tra#n#n$ of 2: weeks #s essent#a. to t1e <enef#*#ar/ #)ent#f#e) </ &#stt. Leve. 6ask "or*e 1ea)e) </ !C/!8 an) represente) </ G@0C/&0C/Banks <efore re.ease of .oan? w1#*1 #s wa#ve) for t1ose w1o 1ave a.rea)/ %n)er$one s%*1 tra#n#n$. ProEe*t *ost (w1#*1 #n*.%)es eDpen)#t%re an) one */*.e of work#n$ *ap#ta.) for -an%fa*t%r#n$ se*tor #s %pto Rs. 25 .a*? for <%s#ness = serv#*e se*tor Rs. 10 .a*s. K#t1o%t *ap#ta. eDpen)#t%re? proEe*t s1o%.) not <e a**epte). 5o *o..atera. %pto Rs5.00.a*s. Loan (-o%nt : Co-pos#te .oans *an <e san*t#one) to t1e eDtent of 90% of proEe*t *ost #n*.%)#n$ s%<s#)/ (95% #n *ase of spe*#a. *ate$or/ <orrowers t1at #n*.%)e !C/!6? wo-en? +BC? P1/s#*a../ 1an)#*appe)? ,D:serv#*e-en? -#nor#t/? 5ort1 ,ast Re$#on? >#.. an) <or)er areas et*.) !e.e*t#on of <orrower s1a.. <e on t1e <as#s of s*ore *ar) prepare) </ !B0/RB0. !%<s#)/ C for 4enera. <orrowers #n %r<an area #s 15% an) #n r%ra. areas #t #s 25%? w1ereas for spe*#a. *ate$or/ (as a<ove) #t s1a.. 25% an) 5%? w1#*1 #s to <e kept as #nterest free "&R an) *re)#te) to .oan a**o%nt at t1e en) of r) /ear fro- t1e )ate of 1st )#s<%rse-ent w1ere #n *ase of .oan <e*o-#n$ 5P( #t *an <e %t#.#;e) even pr#or to *o-p.et#on of /ears. Lse of work#n$ *ap#ta. *o-ponent s1o%.) <e s%*1 t1at #t to%*1es 100% at one po#nt of t#-e? w#t1#n /ears of .o*k #n per#o) of s%<s#)/ an) not .ess t1an 75% of t1e san*t#one) .#-#t. 0f #t #s not to%*1e)? pro:rata s%<s#)/ w#.. <e ret%rne) at t1e en) of r) /ear. 8ar$#n : 10% for $enera. *an)#)ates an) 5% of t1e proEe*t *ost for spe*#a. *ate$or#es. 6ar$et for -ar$#n -one/ #s a..o*ate) </ G@0C. Repa/-ent : to 7 /ears w#t1 -orator#%- as pres*r#<e).
Mo"(#aton$ n A!r#'%t'r& L&n"n! Norm$ Reserve Bank of 0n)#a v#)e .etter no RB0/2009:10/499/RPC&.PL"!. BC.5o.85/05.04.02/2009:10 )ate) 18.0'.2010 a"B$&" t)at Bank$ ma> ?aB& mar!n,$&#'rt> r&J'r&m&nt$ (or a!r#'%t'ra% %oan$ (rom &@$tn! %&B&% o( R$ 3-,---,- to R$ +,--,---,- ?t) mm&"at& &((&#t5
+5 Mar!n Mon&> Norm a< Crop Loan$S an" ot)&r $)ort t&rm %oan$ Lp to Rs.1?00?000/: N% +ver Rs.1?00?000/: +3F SS A< T&rm Loan$ Lp to Rs.1?00?000/: N% +ver Rs.1?00?000/: +3F SS S S#a%& o( (nan#& $ n&t o( mar!n5 SSR&!ona% H&a" $ &mpo?&r&" to r&"'#& mar!n to +-F n "&$&rBn! #a$&$5
CONTINUATION OF +53F INTEREST SUB7ENTION SCHEME AND .F ADDITIONAL INCENTI7E SUB7ENTION FOR SHORT-TERM CROP LOANS IN .-+--++ ;I< 0n p%rs%an*e of t1e anno%n*e-ent -a)e </ Ln#on "#nan*e 8#n#ster #n 1#s <%)$et spee*1 for ".3 2010:11? t1e Reserve Bank of 0n)#a v#)e *#r*%.ar no RPC&. 5o. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 72
PL!".BC.18/05.04.02/2010:11 )ate) 0'.09.2010 1as #ss%e) #nstr%*t#ons for *ont#n%at#on of t1e s*1e-e for t1e "#nan*#a. 3ear 2010:11 as %n)erA
1) 4overn-ent w#.. prov#)e #nterest s%<vent#on of 1.5% p.a. to Bank #n respe*t of s1ort: ter- pro)%*t#on *re)#t %pto Rs. .a*s prov#)e) to far-ers. 2) 61#s a-o%nt of s%<vent#on w#.. <e *a.*%.ate) on t1e *rop .oan a-o%nt fro- t1e )ate of #ts )#s<%rse-ent/)rawa. %p to t1e )ate of a*t%a. repa/-ent of *rop .oan </ t1e far-er or %pto t1e )%e )ate of t1e .oan f#De) for t1e repa/-ent of t1e .oan? w1#*1ever #s ear.#er? s%<Ee*t to a -aD#-%- per#o) of one /ear. ) 61#s s%<vent#on w#.. <e ava#.a<.e to Banks on *on)#t#on t1at t1e/ -ake ava#.a<.e s1ort: ter- pro)%*t#on *re)#t %p to M .ak1 at $ro%n) .eve. at 7% p.a.
(s s%*1 a.. t1e f#e.) f%n*t#onar#es are a)v#se) as %n)erA 1) !1ort:ter- *rop pro)%*t#on *re)#t w#t1 pr#n*#pa. a-o%nt )#s<%rse) %pto M .a*s )%r#n$ t1e /ear 2010:11 w#.. <e *1ar$e) #nterest W 7% p.a. K1#.e 1.5% #nterest s%<vent#on w#.. <e *.a#-e) fro- RB0? rest of t1e )#fferen*e w#.. <e <orne </ t1e Bank. 2) 61#s a-o%nt of s%<vent#on w#.. <e *a.*%.ate) on t1e a-o%nt of t1e *rop .oan )#s<%rse) fro- t1e )ate of )#s<%rse-ent %p to t1e a*t%a. )ate of repa/-ent or %p to t1e )%e )ate? -aD#-%- one /ear w1#*1ever #s ear.#er. ) 61e s*1e-e #s app.#*a<.e for fres1 .oans an) a.so for )#s<%rsa.s -a)e for eD#st#n$ *rop .oans. 4) ,ven #n t1ose *ases w1ere san*t#one) .#-#t #s -ore t1an M .a*s? s%<vent#on s1a.. <e a..owe) on ava#.-ent %pto M .a*s (pr#n*#pa. a-o%nt) an) ava#.-ent over an) a<ove M .a*s s1a.. attra*t nor-a. rate of #nterest an) s1a.. not <e e.#$#<.e for s%<vent#on. 5) 1.5 % #nterest s%<vent#on *.a#-s w#.. <e s%<-#tte) on )a%(->&ar%> Aa$$ as at !epte-<er 0? 2010 an) 8ar*1 1? 2011 w#t1#n 15 )a/s of t1e respe*t#ve )ates. 61e for-at for t1e p%rpose #s en*.ose). ') (n/ re-a#n#n$ *.a#- perta#n#n$ to t1e )#s<%rse-ent -a)e )%r#n$ t1e /ear 2010:11 an) not #n*.%)e) #n t1e *.a#- for 8ar*1 1?2011? -a/ <e *onso.#)ate) separate./ an) -arke) as an F())#t#ona. C.a#-H an) s%<-#tte) .atest </ (pr#. 0? 2012? )%./ a%)#te) </ stat%tor/ a%)#tors *ert#f/#n$ t1e *orre*tness. 7) Bran*1es w#.. s%<-#t t1e *.a#- to respe*t#ve Re$#ona. +ff#*e #n "or-at 0 (() w1#.e Re$#ona. +ff#*es w#.. s%<-#t t1e *onso.#)ate) *.a#- to R&=P!? >ea) +ff#*e #n "or-at 0.
;II< "%rt1er? t1e >on9<.e "#nan*e 8#n#ster? #n 1#s B%)$et !pee*1 (para$rap1 52) for 2010:2011 1a) anno%n*e) as fo..owsA In the last budget, I had provided an additional one percent interest subvention as an incentive to those farmers who repay their short-term crop loans as per schedule. I propose to raise this subvention for timely repayment of crop loans from one percent to two percent for !"!-"". #hus the effective rate of interest for such farmers will now be five percent per annum.$ 0n p%rs%an*e of t1#s anno%n*e-ent? RB0 1as a)v#se) as %n)erA 1) 4overn-ent w#.. prov#)e a))#t#ona. #nterest s%<vent#on of 2% p.a. to Banks #n respe*t of t1ose pro-pt pa/#n$ far-ers w1o repa/ t1e#r s1ort:ter- pro)%*t#on *re)#t w#t1#n one /ear of )#s<%rse-ent/)rawa. of s%*1 .oans. 2) 61#s s%<vent#on w#.. <e ava#.a<.e to s%*1 far-ers on s1ort:ter- pro)%*t#on *re)#t ava#.e) </ t1e- )%r#n$ t1e /ear for a -aD#-%- a-o%nt of M .a*s. ) 61e a-o%nt of a))#t#ona. s%<vent#on w#.. <e *a.*%.ate) fro- t1e )ate of )#s<%rse-ent /)rawa. of t1e *rop .oan %p to t1e a*t%a. )ate of repa/-ent </ far-er or %p to t1e )%e )ate for repa/-ent of *rop .oan s%<Ee*t to a -aD#-%- per#o) of one /ear fro- t1e )ate of )#s<%rse-ent per far-er a**o%nt. 4) 61#s s%<vent#on w#.. <e ava#.a<.e to Banks on t1e *on)#t#on t1at t1e effe*t#ve #nterest rate *1ar$e) to t1e pro-pt pa/#n$ far-ers #s 5% p.a. %p to M .a*s
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 73
I5T Pro"'#t$ o( o'r Bank ATM S&rB#&$ (s on 0/04/2012 we 1ave 1"64 (68s an) as on 1/0/2012 we 1ave 1270 (68s +ns#te (68s C 9'? +ffs#te (68s C 2? 8o<#.e (68s C 7. Ke 1ave entere) #nto (68 !1ar#n$ a$ree-ents w#t1 @0!( an) 5"! (5at#ona. "#nan*#a. !w#t*1) t1ere</ ena<.#n$ o%r *%sto-ers to a**ess an/ of t1e (68s <e.on$#n$ to ot1er Banks %n)er t1ese *onsort#%-s. +%r Bank 1as a.so #ntro)%*e) B#o:-etr#* t1ree (68s B#o C 8etr#* (68s are ena<.e) w#t1 *ar) 1o.)er? a..ow#n$ t1%-< pr#nt a%t1ent#*at#on. ,.#-#nate t1e nee) for P05 entr/. (68s ena<.e *as1 w#t1)rawa.s? <a.an*e #n2%#r/? -o<#.e top:%p? -#n# state-ent? C1e2%e stat%s en2%#r/? !top Pa/-ent? 8o<#.e Bank#n$ Re$#strat#on fa*#.#t#es? &epos#t of *as1 #s a.so )one at se.e*te) (68s. P05 *1an$e? +n.#ne pa/-ent for taD? L#-#t en1an*e-ent(P+! to (68 or (68 to P+!) *%sto-er *an re$#ster 1#s/1er re2%est t1ro%$1 (68 for "%.. .#-#t. !8! (.ert !erv#*es (*t#vat#on = !8! (.ert 8o<#.e 5%-<er 8o)#f#*at#on I-PB2-21('(I)1 )3 3'CIBI(7 )3 I1C)-2 ('N P'7-21( (A8)UA '(-s on @5 'pril "@11 5 (he C!stomers desiro!s of availing the facilit* #ill have to visit the branch$ #here the* have the acco!nt$ to complete onetime registration process b* s!bmitting prescribed application form and cop* of P'1 Card. (he 8egistration 'pplication form and cop* of P'1 card s!bmitted b* the c!stomer are to be 0ept in Branch records for '!dit p!rposes. (he limit for maxim!m permissible amo!nt is 8s. 1.@@ lac per da*. (he Ban0 #ill earn fee income O .4<= per s!ccessf!l transaction.
+%r Bank #s present./ offer#n$ fo..ow#n$ t/pes of (68 *ar)s to o%r *%sto-ersA 5 ATM Car" I Ca$) on%> Car" 61#s t/pe of *ar)s *an on./ <e %se) at (68s for Cas1 w#t1)rawa.. 5 ATM #'m D&At Car" I PROTON Int&rnatona% Car" 0t *an <e %se) <ot1 at Po#nt of !a.e (P+!) ter-#na.s an) (68s. 0t #s a $.o<a. *ar) an) #s a**epte) a*ross t1e $.o<e at (68s or P+! w#t1 7@0!(9 .o$o. (.. !av#n$s Bank an) C%rrent (**o%nt 1o.)ers #n #n)#v#)%a. *ate$or/ are offere) o%r 0nternat#ona. )e<#t Car). 5 ATM #ar" (or S#)oo%,Co%%&!& St'"&nt$ I Ca$)mat& Car" 61#s *ar) #s #ss%e) #n t1e !B F@#)/art1#H !*1e-e (Co)e !B 217) 61#s Car) a.so offers over)raft fa*#.#t/ %p to `1500/: to t1e Car) 1o.)er st%)ents to -eet t1e#r e-er$en*/? %nforeseen eDpenses .#ke Books? !tat#onar/ et*. 61#s *ar) #s an (68 *%- )e<#t *ar). 0t #s @0!( #nternat#ona. Car). B5 ATM #ar" (or Farm&r$ I Or&nta% 6r&&n Car" 61#s *ar) #s an (68 *%- )e<#t *ar). 61#s #s #ss%e) #n t1e (/*9s %n)er 4reen Cre)#t Car) (4CC) !*1e-e an) +r#enta. 4reen Car) (+4C) !*1e-e #.e. +&511 an) CC404.
Int&rAank ATM U$a!& Fa#%t> (s of now? o%r Bank9s *ar) 1o.)ers *an perfor- Cas1 K#t1)rawa. an) Ba.an*e 0n2%#r/ on t1e (68s of -e-<er <anks of (68 s1ar#n$ *onsort#%-s v#;. @0!( an) 5"!. !#-#.ar./ t1e *ar)s of ot1er -e-<er <anks %n)er t1ese *onsort#%-s are a**epte) on a.. o%r (68s an) t1e/ *an perfor- Cas1 K#t1)rawa. an) Ba.an*e 0n2%#r/ operat#ons. AT. $har*es S.No. Particulars Fee / Charges (in Rupees) 01.07.2011 1 Annual Fees for Primary Card and Add-on cards for regular International Debit Card Ist Year free of charge and 100/- + er!ice "a# from $ nd year on%ards $ Annual Fees for Primary Card and Add-on cards for regular International A"& 'nly Card Ist Year free of charge and 100/- + er!ice "a# from $ nd year on%ards ( )e*lacement of +ost Card 1,0/- OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 74
- )egeneration of PI. ,0/- hared .et%or/s , Transaction charges at ATs !"C ATs #$SA NFS Cash %ithdra%al charges-I.DIA u* to , transactions 0financial + non financial1 in a calendar month2 .I+ .I+ .I+ Financial .I+ $0/- $0/- 3 th transaction on%ard in a calendar month .on- Financial .I+ 4/- 4/- Cash %ith&ra%al charges'(SA N.A )0/' N.A. Cash %ithdra%al charges--'ther Countries .2A 1$0/- .2A2 ,21
,2$ 5alance 6n7uiry Charges -I.DIA .I+ .I+ .I+ ,2( 5alance 6n7uiry Charges -'ther Countries .A 1,/- .A ,2- Declined "ransactions .I+ 1,/- .I+ ,2- Currency Con!ersion Charges for all international transactions .2A 18 .2A2 ,2, "ransactions at Petrol Pum*s and )ail%ay )eser!ation Counters as *er hared .et%or/ )egulations .2A er!ice Charges 9 $2,8 of transaction !alue or 10/- %hiche!er is higher .2A2 ,23 Charge li* )etrie!al charges .I+ As *er :IA As *er .F
Da%> Tran$a#ton LmtA #. 6ota. )a#./ *as1 w#t1)rawa. .#-#t fro- an a**o%nt : `25000/: ##. ( *%sto-er *an w#t1)raw %pto `25000/: #n a )a/ fro- o%r Bank (68. ###. ( *%sto-er *an w#t1)raw %pto `10000/: #n a )a/ fro- ot1er Bank9s (68. #v. ( *%sto-er *an p%r*1ase %pto `25000/: #n a )a/ at P+! t1ro%$1 o%r (68 *%- &e<#t *ar).
E%!A%t> Crt&ra (n/ *%sto-er 1av#n$ a !av#n$s Bank / C%rrent (**o%nt / +ver &raft (/* #n 1#s / 1er #n)#v#)%a. *apa*#t/ an) not #n t1e representat#ve *apa*#t/? !taff +& a**o%nts. 61e re2%est for (68 *ar) #s $#ven t1ro%$1 &CR,X opt#on #n "#na*.e. #. Car) *an <e #ss%e) to a *%sto-er prov#)e) 1#s/1er a$e #s 14 /ears or -ore an) 1e/s1e #s a .#terate an) not <.#n). "o..ow#n$ *%sto-ers are not e.#$#<.e for #ss%an*e of (68 / &e<#t Car)A a. C%sto-ers <e.ow 14 /ears of a$e <. 0..#terate *. 0nso.vent ). B.#n) persons e. Persons operat#n$ a**o%nts #n representat#ve *apa*#t/ ##. 5o -#n#-%- )epos#t/<a.an*e #n !B a**o%nt for t1e Car)s #s re2%#re) for #ss%an*e of *ar)s? t1o%$1 t1e -#n#-%- <a.an*e nor-s pres*r#<e) as per eD#st#n$ $%#)e.#nes app.#*a<.e to t1ese a**o%nt w#.. *ont#n%e to <e #n for*e. ###. 0ss%e of Car)s #n Eo#nt a**o%nts of t1e #n)#v#)%a.s 1av#n$ operat#ona. *.a%se as 7+perat#on Jo#nt./I #s not per-#tte). #v. 0ss%e of Car)s #s per-#tte) #n Eo#nt a**o%nts of #n)#v#)%a.s prov#)e) t1e app.#*ant 1as an a%t1or#t/ to operate t1e a**o%nt s#n$./ (, or !). >owever? a.. t1e Eo#nt a**o%nt 1o.)ers s1o%.) a%t1or#;e t1e app.#*ant to ava#. t1e fa*#.#t/ </ *o%nter s#$n#n$ t1e app.#*at#on. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 75
v. 61e Car)s w#.. a.so <e #ss%e) to 5R0 *%sto-ers #n t1e#r 5R, a**o%nts. Cas1 )epos#te) </ 5R0 *%sto-ers #n t1e (68s w#.. <e *re)#te) to t1e#r a**o%nts as per RB0/ ",8( $%#)e.#nes #ss%e) fro- t#-e to t#-e.
Ma@m'm p&ro" o( #)ar!&Aa#k r&$o%'tonD Wt)n 1 Da>$5 (s per RBI notification DP??.PD.1o."5+" < @".1@.@@" < "@1@="@11 dated -a* "6$ "@11 has informed for an/ fa#.%re to re:*re)#t t1e *%sto-ers a**o%nt w#t1#n 7 work#n$ )a/s fro- t1e )ate of re*e#pt of t1e *o-p.a#nt? t1e <ank s1a.. pa/ *o-pensat#on of `100/:? per )a/? to t1e a$$r#eve) *%sto-er. 61#s *o-pensat#on s1a.. <e *re)#te) to t1e *%sto-er9s a**o%nt a%to-at#*a../ w#t1o%t an/ *.a#- fro- t1e *%sto-er? on t1e sa-e )a/ w1en t1e <ank affor)s t1e *re)#t for t1e fa#.e) (68 transa*t#on. ATM-#'m-D&At #ar"$ #an a%$o A& '$&" (or #on"'#tn! on%n& tran$a#ton$ ?5&5( +-,++,.-+-- @B@ re$#strat#on #s re2%#re an) )BC Debit Card sho!ld have CMM val!es. )BC Debit Card is enabled for P)? i.e. sho!ld be f!ll limit in Ideas
1anch of SBI57riental Ban# of $ommerce $o5branded $redit $ard 5 Ban0 has entered into an -)U #ith ?BI Cards and Pa*ments ?ervices Private Bimited (?BICP?B) on 1..@:."@11 for iss!ing Co=branded Credit Cards to o!r emplo*ees and c!stomers. (here #ill be t#o t*pes of Credit Cards to be iss!ed (i) ?BI=)riental Ban0 of Commerce old K -ore J ?aving Ban0 '<c balance for 5 month P "@$@@@ and salar* a<c balance for + month P "@$@@@ (ii) ?BI=)riental Ban0 of Commerce Platin!m ==?aving Ban0 '<c balance for 5 month 8s. 1$@@$@@@ and salar* a<c balance for + month 8s. +@$@@@.
(he cards shall be iss!ed in t#o variants as !nder 1.?ec!red ".Unsec!red ?ec!red Cards shall be iss!ed against the lien mar0ed on the (erm Deposit of the c!stomer. Unsec!red Cards shall be iss!ed #itho!t an* sec!rit*. 0ote= 1. (he 2mail Id 7B$;SBI$A"D>G!;$7. needs to be referred onl* b* the Branch -anagers K )riental Ban0 of Commerce officials. ". (he 2mail Id feedbac0.gesbiOge.com for the ?BI= )riental Ban0 of Commerce c!stomers to resolve the ,!er*< problems.
Int&rn&t Bankn! S&rB#&$ 0nternet Bank#n$ ena<.es a *%sto-er to perfor- <as#* <ank#n$ transa*t#ons t1ro%$1 0nternet fro- an/w1ere #n t1e $.o<e. C%sto-ers s1o%.) %se 0nternet ,Dp.orer vers#on 5.0 or .ater vers#on for a**ess#n$ 0Bank#n$.
+%r Bank #s offer#n$ two t/pes of 0nternet Bank#n$A R&ta% Int&rn&t Bankn! ;)ttp$D,,???5oA#on%n&5#o5n<A "or #n)#v#)%a. *%sto-ers. 61e *%sto-er *an opt for e#t1er ,n2%#r/ on./ fa*#.#t/ or 6ransa*t#on fa*#.#t/. 0t *an <e offere) to an/ !av#n$/C%rrent/CC/+& a**o%nt 1o.)ers. +n./ X%er/ <ase) fa*#.#t#es s1a.. <e prov#)e) to Eo#nt./ operate) a**o%nts. 6ransa*t#on fa*#.#t/ s1a.. not <e prov#)e) for s%*1 a**o%nts. Corporat& Int&rn&t Bankn! ;)ttp$D,,???5oA#on%n&5#o5n,#orp<D "or #nst#t%t#ona. C%sto-ers/ B#$ Corporates5 61#s 1as feat%res .#ke 8ass %p.oa) of !a.ar/? +n.#ne R64! = 5,"6? +n.#ne tra)e f#nan*e re2%ests C re2%est for LC open#n$? B4 #ss%e? B#.. .o)$-ent et*? "eat%re of 8aker/C1e*ker? "eat%re of Ro.e )ef#n#t#on? "eat%re of a)E%st#n$/)ef#n#n$ var#o%s .#-#ts </ *orporate a)-#n#strator #tse.f et*.
!o-e of t1e fa*#.#t#es #n 0Bank#n$ areA A##o'nt$ R&%at&" Op&raton$D +n.#ne Ba.an*e 0n2%#r/? @#ew transa*t#ons? !tate-ent of (**o%nt C "or a $#ven per#o)? C1e2%e !tat%s 0n2%#r/? C.ear#n$ 0nstr%-ents 0n2%#r/? !top Pa/-ent of C1e2%es et*. F'n" Tran$(&r Op&raton$D OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 76
"%n)s 6ransfer to own a**o%nts? 0ntra Bank "%n) 6ransfer (to ot1er a**o%nts #n o%r Bank)? 0nter Bank "%n) 6ransfer (6o a**o%nts of ot1er <anks t1ro%$1 5,"6). Pa>m&nt$D ,Dterna. Pa/-ents .#ke L0C of 0n)#a for Pre-#%- Pa/-ents? 0RC6C for Ra#.wa/ Reservat#on? &B (0ntt) !to*k Brokers Lt) an) !1arek1an for "%n)s 6ransfer "a*#.#t/ for !1ares P%r*1ases? Pa/-ent of 6e.ep1one / 8o<#.e / ,.e*tr#*#t/ <#..s et*. Pa/-ent of &#re*t 6aDes (,:taD fa*#.#t/) an) 0n)#re*t 6aDes (Centra. ,D*#se 6aD an) !erv#*e 6aD) On%n& S)ar& Tra"n! n Co%%aAoraton ?t) IDBI Bank5 ASBA - is an a!!lication %or su2scri2in4 to an issue 9'PO/+i4-t issue: an$ t-e ne7 initiati#e o% S=/' %or t-e 7el%are o% 'n#estorsC containin4 an aut-orisation to 2loc3 t-e a!!lication mone" in a 2an3 account maintaine$ 7it- Sel% Certi%ie$ S"n$icate /an3 (SCSB).
r) Part/ 6ransfer .#-#t C per transa*t#on .#-#t 50000/: an) per )a/ f%n) transfer .#-#t #s2.00 .ak1. (s per t1e *#r*%.ar A)<DI(< 1" <"@1@="@11<.49 dt @1.1@."@1@ Implementation of additional ?ec!rit* 3eat!re for + rd Part* 3!nd (ransfer ((rac0er ID). (he c!stomer can ma0e can ma0e online pa*ment for M'( and Central ?ales (ax for ovt. of -aharashtra. the 1etBan0ing c!stomers shall be able to ma0e Boan 2-I pa*ment to their o#n 'cco!nt as #ell as to + rd Part* Boan 'cco!nt !sing E(ransfers QQ (hird Part* (ransfers #ithin Ban0F )ption
MoA%& Bankn! - OBC mPa> 61e ever eDpan)#n$ network of 8o<#.e P1one %sers? w1#*1 1as *rosse) t1e '00 -#..#on -ark? 1as opene) %p new v#stas for t1e Bank to eDpan) t1e Bank#n$ !erv#*es t1ro%$1 t1e *1anne. of 8o<#.e P1ones. +%r Bank 1ave ro..e) o%t t1e .atest 06 ena<.e) serv#*es na-e) FOBCmPA8H for t1e *%sto-ers of o%r Bank? w1#*1 *an <e ava#.e) </ t1e- %s#n$ t1e#r -o<#.e p1ones.
RBI 6'"&%n&$ RB0 1as *o-e %p w#t1 #ts $%#)e.#nes on &t. 20/10/2008 an) f%rt1er on 24/12/2009? so-e of t1e #-portant $%#)e.#nes are $#ven <e.owA 61e serv#*es s1a.. <e restr#*te) on./ to *%sto-ers of <anks 61e $%#)e.#nes #ss%e) </ t1e Reserve Bank on ZGnow /o%r C%sto-ers (G3C)Z? H(nt# 8one/ .a%n)er#n$ ((8L)Z an) *o-<at#n$ t1e "#nan*#n$ of 6error#s- (C"6) fro- t#-e to t#-e wo%.) <e app.#*a<.e to -o<#.e <ase) <ank#n$ serv#*es a.so. C%sto-er *o-p.a#nts/$r#evan*es ar#s#n$ o%t of -o<#.e <ank#n$ fa*#.#t/ wo%.) <e *overe) %n)er t1e Bank#n$ o-<%)s-an s*1e-e 200'(as a-en)e) %p to 8a/ 2007). Banks are per-#tte) to offer t1#s serv#*e to t1e#r *%sto-ers s%<Ee*t to a )a#./ *ap of `50?000/: per *%sto-er for a.. t/pes of transa*t#ons s%--e) to$et1er. F&at'r&$ an" F'n#ton$ o( IMPS S&rB#&$ : facilit* enables instant Inter Ban0 f!nd transfer and credit to beneficiar*&s acco!nt ro!nd the cloc0 on all da*s. Immediate confirmation of receipt b* the beneficiar* thro!gh ?-? and to 8emitter thro!gh screen displa* on his -obile and also thro!gh ?-?.
Pr&r&J'$t&D (n/ C%sto-er of Bank 1av#n$ Java ena<.e) 8o<#.e p1one #rrespe*t#ve of t1e 8o<#.e !erv#*e Prov#)er *an ava#. t1#s serv#*e.
S&rB#&$ o((&r&" t)ro'!) Or&nta% Bank$ MoA%& Bankn! S&rB#&$ R 'cco!nt Balance 2n,!ir* R -ini 'cco!nt ?tatement R Intra Ban0 3!nd (ransfer (#ithin )BC both -obile to -obile and -obile toc!stomers acco!nt) R Inter Ban0 3!nd (ransfer thro!gh 123( platform R '(- Bocator R Branch Bocator
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 77
Te$e Ban6in' S9stem: 's per the cir JA)<DI(<1:<"@1@=11<4:5 dt @:<1"<1@ has been decided to discontin!e (eleBan0ing service #ith effect from 1 st Gan!ar* "@11.(he f!nctionalit* in 3inacle for accepting (eleBan0ing registration re,!ests has been disabled.
SMS A%&rt$D 61e Bank9s !8! (.ert !erv#*es are *apa<.e of ena<.#n$ *%sto-ers an) for t1ose (.erts as se.e*te) </ t1e-. (n/ C%sto-er of Bank 1av#n$ 8o<#.e p1one #rrespe*t#ve of t1e 8o<#.e !erv#*e Prov#)er v#;. (#rte.? 865L? @o)ap1one? @!5L? 0)ea? Re.#an*e et*.? *an ava#. t1#s serv#*e.
's per the A)$ DI( circ!lar no. A)<DI(<"5<"@@:="@1@<5:: dated "4th Gan!ar* "@11 on %8evision of -inim!m (ransaction Bimits for sending ?-? 'lerts&
Transaction type $redit8 Debit .inimm Amont for which S.S alert is sent 1 (ransactions !sing '(- or Debit Card Debit 1o minim!m amo!nt$ alert to be sent for all transactions " )ther transactions (1on=Card based) Debit "@@@<= + )ther transactions Credit 4@@@<
W&%#om& 9t$D K#t1 a v#ew to #-prove t1e *%sto-er serv#*es at <ran*1es? Bank 1as #-p.e-ente) t1e pro*ess of prov#)#n$ Ke.*o-e G#t to t1e *%sto-ers at t1e t#-e of (**o%nt open#n$. 61ese k#ts are "'%> %nk&" ?t) #&ntra%%> pr&-op&n&" a##o'nt$5
R&a"> 9t$D 5ew vers#on of Ke.*o-e G#ts w1#*1 are rea)/ to %se for &@$tn! a$ ?&%% a$ n&? a##o'nt$5 61ese k#ts )o not re2%#re pre:opene) a**o%nts a.so an) *an <e eas#./ .#nke) w#t1 t1e *%sto-ers9 a**o%nts t1ro%$1 DCREP.
R&a% Tm& 6ro$$ S&tt%&m&nt ;RT6S< R64! s/ste- #s a f%n)s transfer -e*1an#s- w1ere transfer of -one/ takes p.a*e fro- one <ank to anot1er on a Frea. t#-eH an) on F$rossH <as#s. R64! #s a !/ste-#*a../ 0-portant Pa/-ent (!0P).61#s #s t1e fastest poss#<.e -one/ transfer s/ste- t1ro%$1 t1e <ank#n$ *1anne.. !ett.e-ent #n Frea. t#-eH -eans pa/-ent transa*t#on #s not s%<Ee*te) to an/ wa#t#n$ per#o). 61e transa*t#ons are sett.e) as soon as t1e/ are pro*esse). F4ross sett.e-entH -eans t1e transa*t#on #s sett.e) on one to one <as#s w#t1o%t <%n*1#n$ w#t1 an/ ot1er transa*t#on. R64! #s %se) for <ot1 *%sto-er transa*t#ons an) 0nter Bank 6ransa*t#ons. 61e +perat#n$ sess#on for R64! 6ransa*t#ons at Bran*1es #s $#ven 1ere%n)erA C'$tom&r Tran$a#ton ;R2+) 8on)a/ to "r#)a/ C 09A00 1rs to 18A00 1rs !at%r)a/ C 09.00 1rs to 12.00 noon Int&r-Bank Tran$a#ton ;R2.< 8on)a/ to "r#)a/ C 09A00 1rs to 18A00 1rs !at%r)a/ C 09A00 1rs to 14A00 1rs T)$ #'t-o(( tm& $ (or t)& m&$$a!&$ to r&a#) at RBI &n"5
0f t1e transa*t#on fa#.s or $ets reEe*te) for an/ reason? t1e a-o%nt w#.. <e *re)#te) <a*k to t1e a**o%nt fro- w1#*1 t1e transa*t#on was -a)e. (.. R64! transa*t#ons are #rrevo*a<.e on*e t1e a**o%nt #s )e<#te) an) t1e Bank eDe*%tes transa*t#on. (n/ revo*at#on? after t1e pa/-ent or)er #s eDe*%te) </ t1e <ank? s1a.. not <e <#n)#n$ on t1e Bank #n t1e R64! s/ste-.
Tran$a#ton Amo'ntD 61e -#n#-%- a-o%nt to <e re-#tte) t1ro%$1 R64! #s `2 .ak1. 61ere #s no %pper *e#.#n$ for R64!. 61ere #s no .#-#t on t1e n%-<er of transa*t#ons per )a/ per C%sto-er. C)ar!&$A "or +%t$o#n$ 6ransa*t#ons fro- `2 to 5 .a*s? `25/: per transa*t#on #s .ev#e) an) for transa*t#on a<ove `5 La*s? `50/: per transa*t#on #s .ev#e). 0nwar) transa*t#ons are free.
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 78
Natona% E%&#tron# F'n" Tran$(&r ;NEFT< 5at#ona. ,.e*tron#* "%n)s 6ransfer (5,"6) s/ste- #s a nat#on w#)e f%n)s transfer s/ste- to fa*#.#tate transfer of f%n)s fro- an/ <ank <ran*1 to an/ ot1er <ank <ran*1. RB0 #nten)s t1at 1#$1 va.%e transa*t#ons s1o%.) <e ro%te) t1ro%$1 R64! an) s-a.. a-o%nt transa*t#ons s1o%.) <e ro%te) t1ro%$1 5,"6. 5,"6 #s on./ for f%n) transfer on <e1a.f of t1e *%sto-ers. 5,"6 works on )eferre) net sett.e-ent (&5!) <as#s w1#*1 sett.es transa*t#ons #n <at*1es. 0n &5!? t1e sett.e-ent takes p.a*e at a part#*%.ar po#nt of t#-e. (.. transa*t#ons are 1e.) %p t#.. t1at t#-e. (n/ transa*t#on #n#t#ate) after a )es#$nate) sett.e-ent t#-e wo%.) 1ave to wa#t t#.. t1e neDt )es#$nate) sett.e-ent t#-e. Ban0s are advised to facilitate cash remittance thro!gh 123( !pto ` 4@$@@@<= for persons #ho are not having acco!nt in the originating Ban0
5o -#n#-%- *e#.#n$ for transa*t#on a-o%nt. "or 0n)o:5epa. re-#ttan*e a-o%nt %pto `50?000/: *an <e re-#tte) (Cas1/6ransfer). ( person *an sen) f%n) -aD#-%- 12 t#-es #n a /ear.
Bat#) Tmn!$D ,.even 1o%r./ sett.e-ents are *arr#e) o%t )%r#n$ t1e )a/ </ RB0? start#n$ fro- 9A00(8 to 7A00P8 on a.. week )a/s an) f#ve 1o%r./ sett.e-ents fro- 9A00 (8 to 1A00 P8 on !at%r)a/s. 61e -essa$es sent <efore t1e a<ove <at*1 t#-#n$s s1a.. <e #n*.%)e) #n t1e respe*t#ve sett.e-ents ot1erw#se t1e/ s1a.. <e #n*.%)e) #n t1e neDt <at*1/)a/. C)ar!&$A "or +%t$o#n$ 6ransa*t#ons %pto Rs.1 .a* 50L? Rs 1 .a* to 2 .a* Rs:10/: per transa*t#on an) a<ove Rs. 2 La*? Rs.25/: per transa*t#on #s .ev#e). 0nwar) transa*t#ons are free.
o!r circ!lar 1o. A)<DI(<+4<"@@9="@@:<495 dated @:.@"."@@: #herein it #as informed that all offices to ens!re that all pa*ments made b* Ban0 to vendors$ service providers and all external agencies vi;. (ax a!thorit* < Utilit* Pa*ments etc. are invariabl* made thro!gh electronic modes.
E%&#tron# C%&arn! S>$t&m ;ECS<D 0t #s a -o)e of e.e*tron#* f%n)s transfer fro- one <ank a**o%nt to anot1er <ank a**o%nt %s#n$ t1e serv#*es of a C.ear#n$ >o%se. 61#s #s nor-a../ for <%.k transfers fro- one a**o%nt to -an/ a**o%nts or v#*e:versa. 61#s *an <e %se) <ot1 for -ak#n$ pa/-ents .#ke )#str#<%t#on of )#v#)en)? #nterest? sa.ar/? pens#on? et*. </ #nst#t%t#ons or for *o..e*t#on of a-o%nts for p%rposes s%*1 as pa/-ents to %t#.#t/ *o-pan#es .#ke te.ep1one? e.e*tr#*#t/? or *1ar$es s%*1 as 1o%se taD? water taD? et* or for .oan #nsta..-ents of f#nan*#a. #nst#t%t#ons/<anks or re$%.ar #nvest-ents of persons. 0t e.#-#nates )e.a/s )%e to posta. / *.ear#n$ as t1e a-o%nt $ets )#re*t./ *re)#te) to t1e respe*t#ve *%sto-ers a**o%nt.
61ere are two t/pes of ,C! *a..e) ECS ;Cr&"t< an) ECS ;D&At<5 ,C! (Cre)#t) #s %se) for affor)#n$ *re)#t to a .ar$e n%-<er of <enef#*#ar#es </ ra#s#n$ a s#n$.e )e<#t to an a**o%nt? s%*1 as )#v#)en)? #nterest or sa.ar/ pa/-ent. ,C! (&e<#t) #s %se) for ra#s#n$ )e<#ts to a n%-<er of a**o%nts of *ons%-ers/ a**o%nt 1o.)ers for *re)#t#n$ a part#*%.ar #nst#t%t#on. C%sto-ers are re2%#re) to f#.. %p t1e pres*r#<e) for- (5o. ,:1) #n)#*at#n$ *1o#*es of per#o)#*#t/ of s%*1 pa/-ent an) eDpe*te) n%-<er of *re)#t an) a$$re$ate a-o%nt. &eta#.e) pro*e)%re #s $#ven #n C.ear#n$ +perat#ons C1apter.
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 7
a**o%nt fro- an/ of CB! <ran*1. 8%.t#*#t/ as we.. as 5or-a. C1e2%e <ooks *an <e %se) for *on)%*t#n$ (BB transa*t#ons. !%*1 *1e2%es are pa/a<.e at an/ of o%r <ran*1es. 0t #s not on./ *onven#ent for t1e *%sto-ers <%t a.so saves on t#-e an) transa*t#on *ost.
0t 1as <een approve) </ t1e <ank t1at no ABB #)ar!&$, no %mt on )epos#t of *as1 (s%<Ee*t to *o-p.#an*e of a.. r%.es for )epos#t of *as1) </ *%sto-ers at non <ase <ran*1 for *re)#t to Pro!r&$$B& D&po$t, 7araA%& Pro!r&$$B& D&po$t ;OBC Aa")ar< an" Loan a##o'nt$. 'BB transactions at third branch (other than the Dra#ee and Pa*ee&s branch) for transfer entries are permitted onl* !p to 8s 1.@@ Bac. Iss!ance of Demand Draft<Pa* )rder !nder an*#here ban0ing (other than dra#ee branch) is permitted onl* !p to 8s 1.@@ Bac per Demand Draft.
W&$t&rn Unon Mon&> Tran$(&r +%r Bank 1as a t#e %p w#t1 Kestern Ln#on 8one/ 6ransfer t1ro%$1 8/s Ke#;-ann "oreD Lt). (K"L). Kestern Ln#on #s a safe? re.#a<.e? .e$a. an) *onven#ent wa/ of transferr#n$ an) re*e#v#n$ -one/ wor.) w#)e (#n 0n)#a we *an on./ re*e#ve #nwar) re-#ttan*e? as RB0 )oes not a..ow o%twar) re-#ttan*e). 0t #s a .e$a. -et1o) of re*e#v#n$ -one/ #n 0n)#a as per RB0 $%#)e.#nes. 61e Kestern Ln#on 8one/ 6ransfer s/ste- #s a 5et:<ase) s/ste-? w1#*1 prov#)es on .#ne #nfor-at#on a<o%t an/ -one/ transfer affe*te) fro- overseas .o*at#on. 61e <enef#*#ar/ *an $et pa/-ent of t1e re-#ttan*e after esta<.#s1#n$ t1e #)ent#t/ an) ot1er for-a.#t#es fro- an/ of t1e o%t.ets of Kestern Ln#on.
On%n& Ta@ A##o'ntn! S>$t&m ;OLTAS<D +L6(! #s a serv#*e prov#)e) </ t1e <ank for a**eptan*e of 0n*o-e 6aD an) ot1er )#re*t taDes on <e1a.f of 4overn-ent. 61e *%sto-ers #n*.%)#n$ Corporates? 0n)#v#)%a.s? Propr#etors1#p *on*erns? Partners1#p f#r-s? 6r%sts? C.%<? !o*#et/? et*. *an pa/ t1e#r taD .#a<#.#t/ t1ro%$1 <ank9s +L6(! w#n)ow ava#.a<.e t1ro%$1 se.e*t <ran*1es a*ross t1e *o%ntr/.
$ash "eceipt Printers: ($"P)( (A)LDI(LC8PL""L"@11="@1"L4:9) dt "9.11."@11) (he ban0 has implemented a rob!st reliable and efficient I( infrastr!ct!re #hich is being !tili;ed for providing better c!stomer service$ it has been decided to provide %Cash 8eceipt Printers& for printing of s*stem generated cash receipts as ac0no#ledgement for depositing of Cash b* the C!stomers at Cash Co!nters of the branches.
Not&D IDRBT I In$tt't& (or D&B&%opm&nt an" R&$&ar#) n Bankn! T&#)no%o!> was esta<.#s1e) </ t1e Reserve Bank of 0n)#a #n 199' as an (%tono-o%s Centre for &eve.op-ent an) Resear*1 #n Bank#n$ 6e*1no.o$/. INFINET I 0n)#an "#nan*#a. 5etwork SFMS I !tr%*t%re) "#nan*#a. 8essa$#n$ !/ste- In"an Fnan#a% S>$t&m Co"& ;IFSC< #s an a.p1a n%-er#* *o)e )es#$ne) to %n#2%e./ #)ent#f/ t1e <ank:<ran*1es #n 0n)#a. 61#s #s 11 )#$#t *o)e w#t1 f#rst 4 *1ara*ters represent#n$ t1e <anks *o)e? t1e neDt *1ara*ter reserve) as *ontro. *1ara*ter (Present./ 0 appears #n t1e f#ft1 pos#t#on) an) re-a#n#n$ ' *1ara*ters to #)ent#f/ t1e <ran*1. Natona% Pa>m&nt$ Corporaton o( In"a ;NPCI< - 0t #s t1e %-<re..a or$an#;at#on for Pa/-ent !/ste-s. 61e 0B( Core 4ro%p 1as #n*orporate) t1e L-<re..a +r$an#;at#on as a !e*t#on 25 Co-pan/. 5at#ona. "#nan*#a. !w#t*1 (5"!) for (68 s1ar#n$ #s <e#n$ -a#nta#ne) </ 5PC0. E%&#tron# A##o'ntn! S>$t&m n E@#$& an" S&rB#& Ta@ ;EASIEST< I !/ste- #n#t#ate) </ Centra. Boar) of ,D*#se an) C%sto-s (CB,C) to re*e#ve #nfor-at#on an) -a#nta#n re*or)s of taD pa#) t1ro%$1 <anks t1ro%$1 on.#ne %p.oa) of *1a..an )eta#.s.
I5T S&#'rt> 61e p%rpose / o<Ee*t#ve of t1e 0nfor-at#on !e*%r#t/ Po.#*/ #s to prov#)e t1e <ank w#t1 a stan)ar) #nfor-at#on se*%r#t/ fra-ework to a))ress an) -ana$e var#o%s se*%r#t/ r#sks to #nfor-at#on assets an) 2%a.#t/ -a#ntenan*e.
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 80
61e -a#n o<Ee*t#ve of t1#s eDer*#se #s to ens%re t1at ea*1 an) ever/ %ser of t1e te*1no.o$/ e#t1er fro- t1e <ran*1es / off#*es or )e.#ver/ *1anne.s $o t1ro%$1 appropr#ate .eve.s of a%t1or#;at#on an) a%t1ent#*at#on to ens%re t1at t1e/ are *ate$or#;e) as se*%re) an) tr%ste) %sers.
B%s#ness $oa. of t1e 0nfor-at#on !e*%r#t/ Po.#*/ #s to prote*t reso%r*es an) assets fro- .oss. Reso%r*es -a/ #n*.%)e C n(ormatonA #n*.%)#n$ #nfor-at#on #n trans-#ss#on s%*1 as transa*t#ons? *#r*%.ars? e:-a#.s? *onf#$%rat#on )ata? et*. $&rB#&$A s/ste-s? app.#*at#ons &J'pm&nt$A *o-p%ters? network#n$ *o-ponents ,a*1 reso%r*e 1as severa. assets t1at re2%#re prote*t#onA #on("&nta%t> ;$&#r&#> or prBa#><A prevent#n$ )#s*.os%re of #nfor-at#on to %na%t1or#;e) persons nt&!rt>A prevent#n$ *orr%pt#on? #-pa#r-ent? or -o)#f#*at#on of #nfor-at#on? serv#*es? or e2%#p-ent a't)&nt#t>A proof t1at a person or ot1er a$ent 1as <een *orre*t./ #)ent#f#e)? or t1at a -essa$e #s re*e#ve) as trans-#tte) aBa%aA%t>A ass%ran*e t1at #nfor-at#on? serv#*es? an) e2%#p-ent are work#n$ an) ava#.a<.e for %se t)& $tat& o( t)& $>$t&mB t1#s #n*.%)es *1an$es to )ata an) to software
Common T&rmno%o!&$ a. P)$)n!D 0n t1e f#e.) of *o-p%ter se*%r#t/? p)$)n! #s t1e *r#-#na../ fra%)%.ent pro*ess of atte-pt#n$ to a*2%#re sens#t#ve #nfor-at#on s%*1 as %serna-es? passwor)s an) *re)#t *ar) )eta#.s </ -as2%era)#n$ as a tr%stwort1/ ent#t/ #n an e.e*tron#* *o--%n#*at#on. <. Fr&?a%%D "#rewa..s are network )ev#*es t1at *ontro. a**ess to or$an#;at#on9s network assets </ -on#tor#n$ an) f#.ter#n$ network traff#* or -ore pre*#se./ a )ev#*e t1at separates a tr%ste) network fro- %n:tr%ste) network. "#rewa..s *an <e #-p.e-ente) #n <ot1 1ar)ware an) software? or a *o-<#nat#on of <ot1. "#rewa..s prote*t s#tes fro- eDp.o#tat#on of #n1erent v%.nera<#.#t#es #n t1e 6CP/0P proto*o. s%#te. *. 7SAT : @er/ !-a.. (pert%re 6er-#na. ). Ha#k&rD 4enera../ refers to #n)#v#)%a.s w1o $a#n %na%t1or#;e) a**ess to *o-p%ter s/ste- for t1e p%rpose of stea.#n$ = *orr%pt#n$ )ata. e. HTTPD 61e proto*o. for -ov#n$ 1/perteDt f#.es a*ross t1e 0nternet. Re2%#res a >66P *.#ent pro$ra- on one en)? an) an >66P server pro$ra- on t1e ot1er en). >66P #s -ost #-portant proto*o. %se) #n Kor.) K#)e Ke< (KKK) f. Int&rn&tD 61e vast *o..e*t#on of #nter:*onne*te) networks t1at are *onne*te) %s#n$ t1e 6CP/0P proto*o.s an) t1at evo.ve) fro- t1e (RP(5,6 of t1e .ate '0Is an) ear./ 70Is. 61e 0nternet *onne*ts tens of t1o%san)s of #n)epen)ent networks #nto a vast $.o<a. #nternet an) #s pro<a<./ t1e .ar$est K#)e (rea 5etwork #n t1e wor.). $. Intran&tD ( pr#vate network #ns#)e a *o-pan/ or or$an#;at#on t1at %ses t1e sa-e k#n)s of software t1at /o% wo%.) f#n) on t1e p%<.#* 0nternet? <%t t1at #s on./ for #nterna. %se. 1. IP ;Int&rn&t Proto#o%< A""r&$$D ( %n#2%e n%-<er *ons#st#n$ of 4 parts separate) </ )ots? e.$. 192.1'8.D./. ,ver/ -a*1#ne t1at #s on a network 1as a %n#2%e 0P a))ress. #. N&t?orkD ( $ro%p of two or -ore *o-p%ter s/ste-s .#nke) to$et1er. E. LAN ;Lo#a% Ar&a N&t?ork<D ( *o-p%ter network .#-#te) to t1e #--e)#ate area? %s%a../ t1e sa-e <%#.)#n$ or f.oor of a <%#.)#n$. k. WAN ;W"& Ar&a N&t?ork<D (n/ network t1at *overs an area .ar$er t1an a s#n$.e <%#.)#n$ or *a-p%s. .. Ma%?ar&D !1ort for -a.#*#o%s software? software )es#$ne) spe*#f#*a../ to )a-a$e or )#sr%pt a s/ste-? s%*1 as a v#r%s or a 6roEan 1orse. -. Spam or Spammn! D (n #nappropr#ate atte-pt to %se a -a#.#n$ .#st or ot1er networke) *o--%n#*at#ons fa*#.#t/ as #f #t was a <roa)*ast -e)#%- (w1#*1 #t #s not) </ sen)#n$ t1e sa-e -essa$e to a .ar$e n%-<er of peop.e w1o )#)nIt ask for #t. n. Sp>?ar&D !oftware t1at #s se*ret./ #nsta..e) on a %sers9 *o-p%ter an) t1at -on#tors %se of t1e *o-p%ter #n so-e wa/ w#t1o%t t1e %sersI know.e)$e or *onsent. OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 81
o. SSL ;S&#'r& So#k&t La>&r<D ( proto*o. to ena<.e en*r/pte)? a%t1ent#*ate) *o--%n#*at#ons a*ross t1e 0nternet. p. 7r'$D ( *1%nk of *o-p%ter pro$ra--#n$ *o)e t1at -akes *op#es of #tse.f w#t1o%t an/ *ons*#o%s 1%-an #ntervent#on. !o-e v#r%ses )o -ore t1an s#-p./ rep.#*ate t1e-se.ves? t1e/ -#$1t )#sp.a/ -essa$es? #nsta.. ot1er software or f#.es? )e.ete software of f#.es? et*. ( v#r%s re2%#res t1e presen*e of so-e ot1er pro$ra- to rep.#*ate #tse.f. 6/p#*a../ v#r%ses sprea) </ atta*1#n$ t1e-se.ves to pro$ra-s an) #n so-e *ases f#.es? for eDa-p.e t1e f#.e for-ats for 8#*rosoft wor) pro*essor an) sprea)s1eet pro$ra-s a..ow t1e #n*.%s#on of pro$ra-s *a..e) Z-a*rosZ w1#*1 *an #n so-e *ases <e a <ree)#n$ $ro%n) for v#r%ses. 2. Worm ( wor- #s a v#r%s t1at )oes not #nfe*t ot1er pro$ra-s. 0t -akes *op#es of #tse.f? an) #nfe*ts a))#t#ona. *o-p%ters (t/p#*a../ </ -ak#n$ %se of network *onne*t#ons) <%t )oes not atta*1 #tse.f to a))#t#ona. pro$ra-sB 1owever a wor- -#$1t a.ter? #nsta..? or )estro/ f#.es an) pro$ra-s.
BASEL I II NORMS 61e *o--#ttee on Bank#n$ Re$%.at#ons an) !%perv#sor/ Pra*t#*es ( Base. Co--#ttee) C 1988 $%#)e.#nes on *ap#ta. -eas%res an) *ap#ta. stan)ar) #n J%./? 1988 known as C(P06(L (CC+R& C 0? #-p.e-ente) w.e.f. 01.04.1992 as a part of 5ars#-1an Co--#ttee Re*o--en)at#on. 05 B(!,L C0 a#-s at to prepare <anks towar)s t1e stren$t1en#n$ t1e so%n)ness an) sta<#.#t/ of t1e <ank#n$ s/ste-. Cap#ta. a)e2%a*/ rat#on was f#De) to 8% w#t1 effe*t fro- 01.04.1992 t1at ra#se) to 9% w#t1 effe*t fro- 10% for new pr#vate se*tor <anks an) 15% for .o*a. area <anks.
B(!,L C00 a#-s at f%rt1er stren$t1en#n$ t1e *ap#ta. str%*t%re of <anks an) #ts re2%#re-ent #s *a.*%.ate) for *re)#t? -arket an) operat#on r#sk. 61ere are 0 P#..ars w1#*1 #n*.%)e 80508L8 C(P06(L R,XL0R,8,56 !LP,R@0!+R3 R,@0,K 8(RG,6 &0!C0PL05,
PILLAR ONE : 8#n#-%- *ap#ta. re2%#re-ent for *re)#t r#sk? operat#ona. r#sk an) -arket r#sk. Cre)#t r#sk C star)ar)#se) approa*1 for *re)#t r#sk: Ln)er t1#s r#sk we#$1t #s pres*r#<e) </ t1e RB0 an) wo%.) <e a)opte) </ t1e <anks w#t1o%t an/ )#s*ret#on to -o)#f/. R#sk #n a s*a.e of 01 to 08 #.e. 0 to 150%: !tate-ent of !ens#t#ve se*tor &!B state-ent 4:0.
OPERATIONAL RIS9 +perat#ona. r#sk -eans r#sk on a**o%nt of operat#on of <anks. 0t -a/ <e )ef#ne) as r#sk of .oss )%e to #na)e2%ate or fa#.e) #nterna. pro*esses? peop.e an) s/ste-s an) eDterna. events. !o-e of t1e eDa-p.es of operat#ona. r#sks are .a*k of *o-petent -ana$e-ent or .a*k of proper p.ann#n$ an) *ontro.s? #n*o-petent staff -e-<ers? #n)#s*#p.#ne? #nvo.ve-ent of staff #n fra%)s? o%t)ate) s/ste-s? non :*o-p.#an*e of s/ste- an) pro*e)%res? fa#.%re of *o-p%ter s/ste- et*. )ef#*#en*/ #n .oan )o*%-entat#on. 8eas%r#n$ of operat#ona. r#sk a#-s at stren$t1en t1e *ap#ta. <ase to w#t1stan) s%*1 r#sks. RB0 1as aske) t1e <ank to -eas%re t1e r#sk </ wa/ of Bas#* 0n)#*ator (pproa*1. (s per t1#s? t1e <ank w#.. 1ave to 1o.) *ap#ta.? e2%a. to avera$e of prev#o%s t1ree /ears pos#t#ve ann%a. $ross #n*o-e as a f#De) % #.e. 15% Capta% r&J'r&m&nt H ann'a% po$tB& !ro$$ n#om& (or t)r&& >&ar$ Q +3F , No5 o( >&ar$ (or ?)#) !ro$$ n#om& $ po$tB&5
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 82
. !%perv#sors s1o%.) eDpe*t <anks to operate a<ove t1e -#n#-%- re$%.ator/ *ap#ta. rat#o an) s1o%.) 1ave a<#.#t/ to re2%#re <ank to 1o.) *ap#ta. #n eD*ess of t1e -#n#-%-. 4. !%perv#sors s1o%.) #ntervene at an ear./ sta$e to prvent *ap#ta. fro- fa..#n$ <e.ow t1e -#n#-%- .eve.s re2%#re) to s%pport t1e r#sk *1ara*ter.
THIRD PILLAR 61e o<Ee*t#ve of 000r) p#..ar #s to *o-p.e-ent t1e -#n#-%- *ap#ta. re2%#re-ent an) s%perv#sor/ rev#ew t1ro%$1 var#o%s k#n)s of )#s*.os%res re2%#re) </ t1e <ank #n t1e f#nan*#a. papers s%*1 as Cap#ta. str%*t%res : 6#er 0 an) 6#er 00 *o-ponent of *ap#ta. on 2%arter./ <as#s an) #ts rat#os BankIs approa*1 to assess t1e *ap#ta. a)e2%a*/ to s%pport #ts *%rrent an) f%t%re a*t#v#t#es #.e. *ap#ta. re2%#re) for *re)#t r#sk? -arket r#sk or operat#ona. r#sk
Som& Important Pont$ S 8estr!ct!red (echnolog* Upgradation 3!nd ?cheme has been implemented b* (he -inistr* of (extiles$ ovt. of India #ith effect from "9.@.."@11. 1o#$ (he -inistr* of (extiles$ ovt. of India$ vide their circ!lar 1o.4@ (+) <"@11=-?< dated @1.@5."@11 have informed the decisions ta0en b* (echnical 'dvisor*=C!m=-onitoring Committee (('-C) of restr!ct!red (U3?$ in its 1 st meeting held on 1".@4."@11(cop* enclosed) in regard to follo#ingL i. ?pecifications of brand ne# sh!ttleless looms eligible for 1@H capital s!bsid* and ceiling of 8s. 1 crore margin mone* s!bsid* !nder "@H --?=(U3? for po#erloom section. ii. Mal!e cap on imported second hand sh!ttleless looms iii. 8evie# of the list of eligible machiner* !nder (U3? for additions<deletions.
? .i*ration Towards @$TS A,%, StandardsB /ith gro#ing !se of m!lti=cit* and pa*able at par che,!es for handling of che,!es at an* branch of a ban0$ introd!ction of Che,!e (r!ncation ?*stem (C(?) at 1e# Delhi for image=based che,!e processing$ increasing pop!larit* of ?peed Clearing for local processing of o!tstation che,!es etc.$ 8BI prescribed certain minim!m sec!rit* feat!res in che,!es printed$ iss!ed and handled b* ban0s and c!stomers !niforml* across the ban0ing ind!str*. T-e 2enc-mar3 !rescri!tions %or c-e<ue %orms -a#e 2een terme$ as ICTS-2;1; stan$ar$J 2" +/'.
; CRAR : (a)Implementation of the 1e# Capital 'de,!ac* 3rame#or0 iss!ed b* 8eserve Ban0 of India$ Ban0 is re,!ired to comp!te Capital 'de,!ac* 8atio (C8'8) as per Basel II at the end of each ,!arter. (b) (he ratio is one of the 0e* indicators for the Ban0s performance and is comp!ted as follo#sL=
C8'8 T Capital ((ier I and (ier II) 8is0 /eighted 'ssets (he C8'8 improves #ith the increase in Capital and<or #ith the red!ction in 8is0 /eighted 'ssets.
,Dtens#on #n -orator#%- per#o) #n ,)%*at#on Loans fro- 12 -ont1s to 24 -ont1s #n $en%#ne *ases )%e to $.o<a. -e.t)own. Pa/-ent of #nterest on !av#n$ Bank (**o%nts s1o%.) <e -a)e on a )a#./ pro)%*t <as#s w#t1 effe*t fro- (pr#. 1? 2010.
"ro- 05.10.2010 t1e opt#on for f#De) rate of #nterest stan) a<o.#s1e) an) fres1 or renewa. or takeover of 1o-e .oan ?%% not A& #on$"&r&" on FIQED rat&5
RBI to $$'& R$5+- "&nomnaton Banknot&$ ?t) n$&t %&tt&r TRUD Reserve Bank of 0n)#a w#.. s1ort./ #ss%e Rs.10 )eno-#nat#on Banknotes w#t1 #nset .etter FRH #n <ot1 n%-<er#n$ pane.s #n OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 83
8a1at-a 4an)1# !er#es : 2005 <ear#n$ t1e !#$nat%re of &r. &.!%<<arao? 4overnor. ,D*ept for t1e *1an$e #n t1e #nset .etter? t1e )es#$n of t1ese notes to <e #ss%e) now #s s#-#.ar #n a.. respe*t to t1e Banknotes #ss%e) ear.#er #n 8a1at-a 4an)1# !er#es : 2005 w#t1 a))#t#ona./new se*%r#t/ feat%res #ss%e) on (pr#..27? 200'.
Pr'"&nta% Norm$ On Un$&#'r&" A"Ban#&$ "or )eter-#n#n$ t1e a-o%nt of %nse*%re) a)van*es for ref.e*t#n$ #n s*1e)%.e 9 of t1e p%<.#s1e) <a.an*e s1eet? t1e r#$1ts? .#*enses? a%t1or#sat#ons et*.? *1ar$e) to t1e <anks as *o..atera. #n respe*t of proEe*ts (#n*.%)#n$ #nfrastr%*t%re proEe*ts) f#nan*e) </ t1e-? s1o%.) not <e re*kone) as tan$#<.e se*%r#t/. >en*e s%*1 a)van*es s1a.. <e re*kone) as %nse*%re) a)van*es. Banks s1o%.) a.so )#s*.ose t1e tota. a-o%nt of a)van*es for w1#*1 #ntan$#<.e se*%r#t#es s%*1 as *1ar$e over t1e r#$1ts? .#*enses? a%t1or#t/? et*. 1as <een taken as a.so t1e est#-ate) va.%e of s%*1 #ntan$#<.e *o..atera.. 61e )#s*.os%re -a/ <e -a)e %n)er a separate 1ea) #n F5otes to (**o%ntsH. 61#s wo%.) )#fferent#ate s%*1 .oans fro- ot1er ent#re./ %nse*%re) .oans.
Fnan#a% In#%'$on Po%#> O( T)& Bank For ProB"n! Bankn! S&rB#&$ T)ro'!) En!a!n! B'$n&$$ Fa#%tator$ ;BF< An" B'$n&$$ Corr&$pon"&nt$ ;BC<D 6o ena<.e t1e <ank to rea*1 o%t to t1e weaker se*t#ons an) .ow #n*o-e $ro%ps so as to prov#)e a**ess to f#nan*#a. serv#*es an) t#-e./ an) a)e2%ate *re)#t w1ere nee)e) at an affor)a<.e *ost? an) #n v#ew of t1e .#-#tat#on of <ran*1 network to rea*1 o%t to t1e .ar$e se*t#on of so*#et/ effe*t#ve./? t1e Boar) of &#re*tors of t1e Bank 1as approve) po.#*/ for prov#)#n$ <ank#n$ serv#*es t1ro%$1 en$a$#n$ B%s#ness "a*#.#tators (B")/B%s#ness Correspon)ents (BC)
T)& R!)t To In(ormaton A#t, .--3 ;RTI A#t,.--3<D R60 (*t 1as *o-e #nto effe*t w.e.f. 15.0'.2005 an) t1e Bank #s a.so re*e#v#n$ n%-<er of re2%ests for #nfor-at#on fro- var#o%s part#es w1#*1 1ave to <e )ea.t w#t1 </ t1e (P0+/P0+/CP0+ )es#$nate w#t1#n t1e per#o) spe*#f#e) %n)er t1e (*t. (s per t1e prov#s#ons of t1e a*t t1e Centra. 0nfor-at#on Co--#ss#on (C0C) *an #-pose pena.t/ of Rs.250/: per )a/ for t1e )e.a/e) per#o) <e/on) t1e t#-e .#-#t pres*r#<e) for $#v#n$ t1e rep./ ? w#t1 a -aD#-%- of Rs.25000/:. A%% Bran#) n#'mA&nt$ ar& "&$!nat&" a$ A$$$tant P'A%# In(ormaton o((#&r$ ;APIO$) as per t1e prov#s#ons of !e*t#on 5(2) of t1e sa#) (*t (s (P0+ Bran*1 0n*%-<ents are re2%#re) to a**ept app.#*at#ons %n)er t1e R60 (*t 05 a.on$ w#t1 t1e fee of Rs.10/: as s%<-#tte) </ an/ *#t#;en of 0n)#a an) s1a.. forwar) s%*1 app.#*at#ons to PIO$ n t)&r R&!on w#t1#n t1e st#p%.ate) t#-e of 5 )a/s a.on$ w#t1 t1e #nfor-at#on #f t1e re2%est perta#ns to t1e #nfor-at#on ava#.a<.e #n t1at <ran*1. P0+ s1a.. rep./ to t1e (pp.#*ant as per t1e prov#s#ons of R60 (*t. (P0+s/P0+s s1a.. a.so $%#)e t1e app.#*ants re$ar)#n$ pro*e)%re for s%<-#tt#n$ t1e app.#*at#on %n)er t1e R60 a*t. (s t1e app.#*at#on fee of Rs 10/: *an a.so <e )epos#te) #n *as1? Bran*1 0n*%-<ents as (P0+s s1a.. a**ept *as1 of Rs 10/: per app.#*at#on an) #ss%e re*e#pt for t1e sa-e. Cas1 so re*e#ve) <e *re)#te) to FCo--#ss#on Re*e#ve): 8#s*. (**o%ntH Bran*1 0n*%-<ents as (P0+s s1a.. a.so a**ept appea.s </ an/ *#t#;en of 0n)#a a$a#nst t1e )e*#s#on of t1e P0+ of t1e Bank an) forwar) t1e sa-e to t1e (ppe..ate (%t1or#t/ w#t1#n 5 )a/s. (s per prov#s#ons of !e*t#on 19 (1) of t1e (*t. Present./ t1e 4enera. 8ana$er (C!=P)? >ea) +ff#*e? 5ew &e.1# #s t1e (ppe..ate (%t1or#t/ of t1e Bank.
N&? B'$n&$$ 6ro'p ;NB6< 1as pr#-ar#./ <een *onst#t%te) to *onve/ eDpe)#t#o%s )e*#s#ons on a**eptan*e of *re)#t proposa.s for new a**o%nts on t1e <as#s of #nfor-at#on on ke/ po#nts re*e#ve) fro- t1e <ran*1es. 61e approva. </ 5B4 was on./ for an F,Dpress#on of 0nterestH an) )eta#.e) san*t#on was s%<Ee*t to appra#sa. an) approva. of t1e *o-petent a%t1or#t/.
Con#'rr&nt A'"t Po%#> - 61e s/ste- of Con*%rrent (%)#t was #ntro)%*e) #n t1e Banks p%rs%ant to 41os1 Co--#ttee re*o--en)at#ons on "ra%)s an) 8a.pra*t#*es #n Banks.
OBC OFFICERSS WELFARE FUND,CENTRAL ZONE COMMITTEE -AIOBOA BHOPAL
Promotion Test 17 JUNE 2012 (UPDATED TILL 01-06-2012) 84
RB0 $%#)e.#nes st#p%.ate t1at 50% ()van*es? 50% of &epos#ts an) 50% of Bank9s tota. <%s#ness s1o%.) <e *overe) %n)er *on*%rrent a%)#t. 0n .#ne w#t1 t1e a<ove? 74% of a)van*es an) 58% of )epos#t of t1e Bank ;OBC< #s *overe) %n)er *on*%rrent a%)#t.
In#om& an" E@p&n"t'r& A'"t Po%#> : Reven%e (%)#t #s <e#n$ *on)%*te) </ f#r-s of *1artere) a**o%ntants an) t1e per#o) *overe) #s one *a.en)ar /ear #.e fro- 1 st Jan%ar/ to 1 st
&e*e-<er ever/ /ear
In(ormaton S>$t&m A'"t Po%#> : ,ver/ 0nsta..at#on #.e >+/R+/Bran*1 s1a.. <e a%)#te) at .east on*e #n ever/ two /ears. ,a*1 /ear at .east 10% of <ran*1es (#n 5%-<er) s1a.. <e *overe) %n)er 0nfor-at#on !/ste- (%)#t ever/ /ear.
R&('n" o( Lo#k&r R&ntD 8#n#-%- Per#o) of Lo*ker fa*#.#t/ s1a.. <e +ne 3ear an) #n *ase of !%rren)er of Lo*ker? Ref%n) of t1e Lo*ker Rent? #f an/? s1a.. <e pa#) for t1e Co-p.ete X%arters .eft as on t1e &ate of !%rren)er of Lo*ker? for w1#*1 Lo*ker Rent 1as a.rea)/ <een re*e#ve) #n a)van*e e.$. #n *ase a Lo*ker 1#rer 1as pa#) Lo*ker Rent #n a)van*e sa/ %pto 1.0.2009 an) Lo*ker #s s%rren)ere) <efore t1e en) of t1e 2%arter 0.0'.2008? t1e Lo*ker Rent ref%n)a<.e s1a.. <e on pro rata <as#s for X%arters #.e. for t1e Co-p.ete X%arters en)#n$ !ept9 08? &e*9 08 an) 8ar*1 709. Mant&nan#& o( R&#or"D 7o'#)&r$D (.. t1e vo%*1ers are to <e sorte) #n two .otsA Cas1 Pa/-ent @o%*1ers an) +t1er @o%*1ers. 61e *as1 pa/-ent vo%*1ers w#.. <e st#t*1e) an) sea.e) at t1e .eft 1an) *orner. 61ese are to <e kept )ate:w#se/-ont1:w#se #n *.ot1 <a$s an) are re2%#re) to <e p.a*e) /ear w#se #n .o*ke) <oDes. @o%*1ers ot1er t1an *as1 pa/-ent w#.. <e sorte) o%t an) st#t*1e) )atew#se to fa*#.#tate referen*e #n t1e fo..ow#n$ or)erA 1. Cas1 Re*e#pts. 2. C.ear#n$ !.#ps. . C.ear#n$ C1e2%es. 4. 6ransfer @o%*1ers. Ca'ton L$tD (.. sett.e-ents / *o-pro-#ses? #nvo.v#n$ sett.e-ent a-o%nt of Rs. 1.00 La*s an) a<ove? approve) </ t1e >ea) +ff#*e / Re$#ona. +ff#*es? as t1e *ase -a/ <e? s1a.. <e *#r*%.ate) to t1e Bran*1es as a FCa%t#on L#stH on 1a.f /ear./ <as#s. !%*1 )efa%.t#n$ <orrowers s1a.. not <e a**o--o)ate) #n f%t%re #n an/ wa/ w1at so ever. Proper re*or) s1a.. <e prepare) an) -a#nta#ne) for s%*1 sett.e-ents/ *o-pro-#ses </ a.. t1e <ran*1es.
!#n*e t1e *ases? #nvo.v#n$ t1e sett.e-ent a-o%nt of .ess t1an Rs. 1.00 La*? fa.. %n)er t1e s*1e-es? w1#*1 are sponsore) </ 4overn-ent of 0n)#a? #t #s )e*#)e) to eD*.%)e s%*1 <orrowers fro- .#st#n$ #n s%*1 FC(L60+5 L0!6H.
"%rt1er? t1e part#*%.ars of ea*1 an) ever/ sett.e-ent (#nvo.v#n$ sett.e-ent a-o%nt of Rs. 1.00 La* an) a<ove)? approve) </ R+? s1a.. <e *#r*%.ate) </ t1e *on*erne) approv#n$ Re$#ona. +ff#*e #n t1e for- of FC(L60+5 L0!6H to ot1er Re$#ona. +ff#*es / <ran*1es. Re*over/ = Law &eptt.? >ea) +ff#*e? w#.. *ont#n%e to *#r*%.ate t1e part#*%.ars of ea*1 sett.e-ent (#nvo.v#n$ sett.e-ent a-o%nt of Rs. 1.00 La* an) a<ove)? approve) </ >ea) +ff#*e #n t1e for- of C(L60+5 L0!6 to a.. Re$#ona. +ff#*es / <ran*1es.
61e va.#)#t/ per#o) of C1e2%es / &&s / P+s s1a.. <e re)%*e) fro- eD#st#n$ s#D -ont1s to t1ree -ont1s w.e.f. -+ $t Apr%, .-+.. K1#.e t1e RB0 1a) "&r&!'%at&" nt&r&$t rat&$ on f#De) )epos#t s*1e-es #n 1997? #t )ere$%.ate) t1e #nterest rate on $aBn!$ Aank )epos#ts w.e.f. .3 t) O#t .-++ 61e #ntro)%*t#on of )a#./ pro)%*t -et1o)? for *a.*%.at#on of t1e #nterest on sav#n$s )epos#t a**o%nt starte) w.e.f. -+ $t Apr%, .-+-5 RB0 a)v#ses <anks to )o awa/ w#t1 pre:pa/-ent pena.t/ on .oans? at t1e#r ear.#est.
+BC +""0C,R!9! K,L"(R, "L5&? B>+P(L R,40+5
Promotion Test 17-06-2012 (UPDATED TILL 01-06-2012) 85
20% "ro- 05.10.2010 t1e opt#on for f#De) rate of #nterest stan) a<o.#s1e) an) fres1 or renewa. or takeover of 1o-e .oan ?%% not A& #on$"&r&" on FIQED rat&5 Ho'$n! Loan (or F'rn$)n! (.terat#on/ "%rn#s1#n$ : )o : 8aD. Rs. 10 La*s or 0% rea.#;a<.e va.%e of >o%se/ ".at w1#*1ever #s .ower : )o : 25% 8aD#-%- w#t1#n 10 /ears 6o%"&n K'A%&& R'ra% Ho'$n! S#)&m& Constr%*t#on/ P%r*1ase/ Repa#r/ Lp $ra)at#on of )we..#n$ %n#t (R%ra.) @#..a$e/ 6own w#t1 pop%.at#on of .ess t1an 50?000 as per 1991 Cens%s 8aD Rs 5 La*s (Constr%*t#on of new 1o%se) 8aD Rs 1 La*s (Lp$ra)at#on/ -aEor repa#rs) : )o : 20% 8aD#-%- w#t1#n 15 /ears
Important pont (or Ho'$n! LoanD Up to 5@ *ears of age or date of s!perann!ation$ #hichever is earlier$ ho#ever in case of availabilit* of Coint < co borro#er and one borro#er is having comparativel* *o!nger age in consonance #ith repa*ment period$ then it can be considered !pto 54 *ears of age for elder co=borro#er. S;0o; 1oan limit Switch over option fee(payable one time) a) Upto 8s."4.@@ Bacs @.4@H of o!tstanding as on the date of s#itch over b) 'bove 8s."4.@@ Bacs @.64H of o!tstanding as on the date of s#itch over A !enalt" o% +s 25;/- D ser#ice ta? 7ill 2e c-ar4e$ %or e#er" 2ounce$ c-e<ue/=CS or S' $is-onors. T-e rate ma" #ar" %rom time to time
T-e !re!a"ment !enalt" clause is com!letel" 7ai#e$. (one o% t-e occasion t-e !re !a"ment !enalt" 7ill 2e a!!lie$ in t-e accountC e#en t-e 2orro7er o!ts to s7itc- -is -ome loan account to ot-er 2an3/%inancial institution +BC +""0C,R!9! K,L"(R, "L5&? B>+P(L R,40+5
Promotion Test 17-06-2012 (UPDATED TILL 01-06-2012) 8
RECOLLECTED PUESTIONS
ORIENTAL BAN9 OF COMMERCE MM6-II TO MM6-III
1. 0n !8,/8#) Corporate open 6er- .oan ? *e#.#n$ for f#nan*#n$ of 5o.of @e1#*.es = a-o%nt of ve1#*.es : 2. Loan to Profess#ona. = se.f e-p.o/e)(ot1er t1an )o*tor)?w1at #s t1e repa/-ent per#o) = -orator#%- per#o): . Loan to Pens#onersA: 4. Ce#.#n$ for >/L #n r%ra. area = Lr<an/!e-#:%r<an for repa#r#n$/renovat#onA: 5. (s per Bank9s Loan Po.#*/? w1at #s %n)er restr#*te) area of a)van*e: '. Re$#ona. 1ea) #s e-powere) to re)%*e -ar$#n #n "a*tor/ ?.an) = B%#.)#n$ #n r#*e !1e..#n$: 7. K1at #s not *orre*t re$ar)#n$ of !to*k 0nspe*t#onA 8. Ln)er ,CB <orrow#n$ for L!& 5008?w1at #s rate of #nterest for a.. *osts over L0B+R for s#D -ont1s for per#o) of -ore t1an 5 /ears. 9. K1at #s *%rrent Repo ratea: 10. 0n *ase of !(R"(,!0? #f .oan #s %n)er Consort#%-? t1en w1at per*enta$e of Len)er9s @a.%e #s re2%#re)- 11. %n)er C&R:00? w1at #s Len)er9s @a.%e = no. of .en)ers: 12. %n)er C468!, w1at #s ann%a. serv#*e fees #n nor-a. *ase an) 8!, %pto Rs. 5.00 .ak1: 1. K1at #s t#-e for #nter <ank transa*t#on #n R64! C 14. 61e <ran*1 1av#n$ )epos#t of Rs.5 .ak1 an) a)van*e #s Rs.40 .ak1( #n prev#o%s two /ears) fa..s %n)er *ate$or/ of w1#*1 <ran*1 C 15. X%est#on re.ate) #nnovat#ve perpet%a. )e<t #nstr%-ent 1'. Kork#n$ $ro%p 1ea)e) </ @.G !1ar-a re.ate) w#t1 17. ,Dport *re)#t tar$et of !CB %n)er P! C 18. +vera.. P! .en)#n$ of !CB C 19. !%<s#)/ *e#.#n$ %pto Rs25000.00%n)er !R8! I 20. Ln)er !J!3 #n *ase of !>4? -#n#-%- an) -aD#-%- no of -e-<ers *an <e taken fro- *ate$or/ of (PL- 21. (s per Base. 00 r#sk we#$1t of >L %pto 0 .ak1 C 22. (s per Base. 00 r#sk we#$1t for staff >L %n)er s%perann%at#on <enef#t C 2. Loan of Rs' .ak1 #s se*%re) </ se*%r#t/ of va.%e propert/ of Rs .ak1 w1#*1 #s )o%<tf%. for -ore t1an /ears as on 1.0.2007 . K1at #s prov#s#on a-o%nt as on 1.0.2008b 24. Prov#s#on #n stan)ar) a**o%nt for PL ? Co--er*#a. Rea. ,state :F 25. Prov#s#on #n s%<: stan)ar) w1#*1 #s se*%re) :F 2'. X%est#on re.ate) to no-#nat#on VVVVVV 27. 8r Ra-es1 #s P+( of !1 !%res1 . ( C1e2%e s#$ne) </ !1 Ra-es1 #s presente) #n <ank after )eat1 of !1 !%res1 . K1at w#.. <ank )oa: 28. X%est#on re.ate) to Gr#s1ak !art1# !*1e-e ::VVVV 29. Loan #s $rante) to )ea.er of &r#p 0rr#$at#on ? !pr#k.er s/ste- %n)er #n)#re*t ($r# . K1at #s t1e a-o%nt of .oan: R$5 0. ::::% of .oan $#ven to 4CC an) Rs:::: +& %n)er 5o "r#..s a**o%nt #n r%ra. areas %n)er #n)#re*t a$r# a)van*e C 1. K1at w#.. t1e rate of #nterest for 5R, "&? 1av#n$ -at%r#t/ for /ears C 2. 0n *ase of LC ? )ate #s wr#tten as <e$#nn#n$ of -ont1 ? w1at w#.. <e t1e )ate: . 0n *ase of pre s1#p-ent for 1ow -an/ )a/s ref#nan*e #s ava#.a<.e fro- RB0 C 4. 0n *ase over so.) w1at #s r#sk asso*#ate) w#t1 <ank C 5. (!:22 #s asso*#ate) w#t1 w1#*1 stan)ar) '. Ln)er 6#er C00 ? reva.%at#on reserve #s taken as ---F 7. >ow -an/ t#-es 5,"6 sett.e) #n Keek &a/s = !at%r)a/- 8. (/* pa/ee *1e2%e was presente) </ <anker for *as1 pa/-ent w1at w#.. <ank )oa 9. L#a<#.#t/ of )rawer <efore a**eptan*e </ )rawee an) .#a<#.#t/ of )rawer after a**eptan*e of )rawee: 40. (s per Base.:00? P#..ar:000 #n)#*ates forA: 41. K1#*1 <%*ket of (L8 1as f%rt1er se$re$ate)D- 42. L#2%)#t/ r#sk #s 1#$1. K1at )oes #t -ean. +BC +""0C,R!9! K,L"(R, "L5&? B>+P(L R,40+5
Promotion Test 17-06-2012 (UPDATED TILL 01-06-2012) 0
4. 0n *ase of Lo*ker? t1e operat#on w#.. TTTTT3rs w#.. tanta-o%nt to 1#$1er r#sk = TTTT /rs w#.. tanta-o%nt to -e)#%- r#skA: 44. 0n *ase of *o%nterfe#t note? t1e a*know.e)$e of re*e#pt #s s#$ne) </ t1e *as1#er <%t t1e ten)erer )oesn9t s#$n t1e sa-e. 0n t1#s *ase w1et1er a*know.e)$e-ent w#.. <e $#ven to t1e ten)erer or nota 45. 0n *ase of FCH re$#on? w1at per*enta$e #s for #ss%#n$ *#r*%.ars #n <#.#n$%a.. 4'. (s per <ase.:00? w1#*1 -et1o) to <e a)opte) %n)er +perat#ona. R#skD- 47. 0nvest-ent #n 0nter:<ank part#*#pat#on *ert#f#*ate("or P.!)? w1at #s t1e -#n#-%- t#-e per#o): 48. w1at #s t1e <anker C*%sto-er re.at#ons1#p #n t1e *ase art#*.e .eft </ t1e *%sto-er w#t1 t1e <ran*1A 49. &.P.#s a..owe) a$a#nst t1e sto*k state-ent o.)er t1an -ont1s. K1en t1e a**o%nt w#.. <e 5P(A: 50. 0nvest-ent #n P = 8 0n *ase of !-a.. -an%fa*t%r#n$ Ln#tA 51. K1en 5P( #s so.) to ot1er <ank? w1at w#.. <e t1e r#sk we#$1t A 52. Present./ w1#*1 p.ann#n$ *o--#ss#on #s work#n$ #n 11 t1 . "#ve /ear p.an 5. Ce#.#n$ on #nter <ank .#a<#.#t/ w#t1 referen*e to net wort1 as on 1 st. 8ar*1A 54. K1at #s C.a%se) <#.. of .a)#n$A: 8r. Y = 8rs. 3 (1%s<an) = w#fe)#s 1av#n$ Eo#nt a/* w#t1 %s %n)er F,/!H. ( E%)$-ent )e<tor $ets t1e 4arn#s1ee +r)er a$a#nst 8r.Y . K1et1er t1#s or)er w#.. <e effe*t#ve #n t1e Eo#nt a/* of 8r. Y = 8r.3A: @ar#o%s answers was $#ven w#t1 )#fferent reason
RECALLED PUESTION OF O5B5C5 SCALE I TO II 1. 61e )o*%-ents of t#t.e to $oo) #s )e.#vere) w#t1 o%t -ak#n$ pa/-ents on s%<-#ss#on of :::::::::A. 2. ()van*e to Keaker !e*t#on %n)er Pr#or#t/ !e*tor:::::::::::A . &o-#n#2%e !tra%s Ga1n :::::::A 4. Geep#n$ Passwor) #n *o-p%ter#;e) s/ste-A K1#*1 #s wron$( 8#n.5 C1ara*ters) 5. Re*ent $%#)e.#nes of RB0 K1at s1o%.) fo..ow w1en .ett#n$ Lo*ker to so-eoneA Bank9s na-e to <e e-<osse) on .o*ker. '. Ln)er &R0 1ow -an/ a)van*e s1o%.) <e )one 2%arter./ </ o%r <ran*1esA 7. +%t of w1#*1 of t1e fo..ow#n$ 4arn#s1ee or)er #s not app.#*a<.eA Ln)er *.ear#n$ <a.an*e 8. (vera$e Pr#*e f#D#n$ </ !,B0 on t1e <as#s of ::::::::: pr#*#n$A 9. K1#*1 t/pe of ass#stan*e #s <e#n$ $#ven to !%$ar 0n)%str/ </ t1e 4ovt.:::::::A 0nterest 10. 8#n#-%- = -aD#-%- a-o%nt of ,C!::::::::::A 11. &efe*t #n )o*%-entat#on:::::::: r#sk A 12. !(R"(,!0 #s app.#*a<.e for w1#*1 (/*A 5P( (/*. 1. (nt# )ate) *1e2%e .#ke *1. &ate) 15.12.07 an) a/* opene) )t.20.12.07 A 14. (**o%nt#n$ !tan)ar) (!:9 re.ate) to :::::::::::A . 15. K1#*1 #s %n)er./#n$ assetsA +pt#on? !wap? "%t%re? 0ntt. rate? "orwar). 1'. X0! state-ent s1o%.) <e s%<-#tte) for :::::::::A KC .#-#t of R$5 17. (-o%nt )#ffer #n wor)s = f#$%re %n)er se*.18 of 50 (*tA 18. K1/ 0n)#a9s rank#n$ s.#ppe) #n Corr%pt#on 0n)eD to 85 fro- 72A:::::Corr%pt#on #n po.#t#*s an) $ovt.serv#*es )eptt. 19. (s per !e<# .#ste Co. s1o%.) anno%n*e 0nter#- 2%arter./ <a.an*e s1eet w#t1#n::::::::: en) of t1e 2%arterA 20. >ow -%*1 a-o%nt *an <e <orrowe) fro- fore#$n for e2%#p-ent for 1osp#ta. w#t1 o%t RB0 approva.A 21. Co..atera. free a)van*e to $enera.::::::::: an) wo-an:::::::::%pto a-o%nt %n)er !!0A Lp to 5 Lak1s = 10 Lak1s. 22. 8e)#%- serv#*e ,nterpr#sesA 8ore t1an. 2. >ow -%*1 tota. a)van*e of !-a.. enterpr#ses se*tor s1o%.) $o to 8#*ro :::::A 24. "or #ss%e 5o &%es *ert#f#*ate #n Lr<an area::::::::::A C1ar$es R$5 25. P1oto$rap1 #s o<ta#ne) at t1e t#-e of open#n$ t1e a/*. 2'. W)at $ t)& p'rpo$&Dto #)&#k A&nam a##o'nt$ 27. G3C re.ate) 2%est#on. 0f not *o-p.#e)A a) Le$a r#sk? B) rep%ta#tona. r#sk *)Co-p.#an*e R#sk et*. 28. 8#n#%- 5ot#*e Per#o) %n)er !(R"(,!0 A 29. C&R #s app.#*a<.e on w1#*1 a/*A 8%.t#p.e .en)#n$/s/n)#*ate/ *onsort#%- for Corporate <orrower. 0. Persona. .oan *oversAP%r*1ase of *ons%-er )%ra<.es?Bon @o/a$e?,Dpenses for -e)#*a. treat-ent: +BC +""0C,R!9! K,L"(R, "L5&? B>+P(L R,40+5
Promotion Test 17-06-2012 (UPDATED TILL 01-06-2012) 1
1. "or s*ooter .oan sa.ar/ per -ont1 s1o%.) <e:::::::::::A R$5 2. "or +pen Car .oan to eD#st#n$ !8,/8#) Corporate <orrowers enEo/#n$ *re)#t .#-#t ofD R$5 . ( *o-pan/ want to ra#se Rs.50 .a* for $enset w1#*1 #s -ore t1an #ts *ap#ta. = reserve A 4. K1#*1 Co-pan/ #s 5o. 1 #n "or<es 2000 .#st #nrespe*t of prof#t?serv#*e et*. >!BC 5. BC66 #s $o#n$ to <e )#s*ont#n%e):::::::::::A '. Base. 00 for fore#$n <ank = t1ose #n)#an <anks w1#*1 1as <ran*1 a<roa) ccc.A 7. Bank *an appea. a$a#nst t1e rewar) of +-<%)s-an::::::::::: A 8. K1/ star ser#es notes were #ss%e)A 9. +ver)raft a..owe) #n 5o "r#.. (/* #n R%ra. = !e-# Lr<an area::::::::::A 40. >ow -%*1 per*enta$e of 0n)epen)ent &#re*tor s1o%.) <e #n %n.#ste). Co.A 41. 5o-#nat#on #s not app.#e)A . 42. ( *1e2%e #ss%e) </ t1e &#re*tor of Co. ? *1e2%e s#$ne) </ )#re*tor presente) for pa/-ent w1o )#e) #n an a**#)entA 4. Ko-en !>4 to <e s%<s#)#;e) </ w1#*1 state 4ovt.A 44. w1#*1 state $overn-ent *1ar$e 0% pre prof#t taD P!L (P%<.#* se*tor %n#ts)A 45. ( *ontra*t #s -a)e on t1e <as#s of ($ree) )ate = a$ree) rate #s *a..e)::::::::::A 4'. Ca.*%.at#on of &!CRA 47. L("(R #s s%<-#tte) </ w1o-A 48. +ff#*#a. Lan$%a$e Co--#ttee -eet#n$ 1e.) #n C Re$#onD 49. B%s#ness *orrespon)en*e #n Lr<an areaA 50. 0f -ore Bran*1 are t1ere #n r%ra. areas t1an t1e f#nan*#a. #n*.%s#on w#.. <e ::::::::::::::A 51. 8ar$#n %n)er !R8! (!*avan$ers) !*1e-eA 52. >o%s#n$ Loan of Rs.0 .a* R#sk we#$1te) #s:::::::::: D 5. ()van*e pa/-ent for #-port of serv#*es w#t1 o%t RB0 approva.::::::::A 54. 0f #-port )o*%-ent #s )#re*t./ sent to #-porter t1e pa/-ent *an <e -a)e %pto w1#*1 a-o%nt::::: :::::::A 55. Co-po%n)#n$ of #nterest #n "C5R (B) (/* #f )epos#t re-a#n for -ore t1an one /earA 5'. !6(6 5 = !6(6 8 state-ent #s forA 57. 6%rnover -et1o) of 5a/ak Co--#ttee %pto t1e a-o%nt of Rs.:::::::Rs.5 *rores. 58. 8#n#-%- <a.an*e #n %r<an area w#t1o%t *1e2%e <ookA Rs.. 59. 0f pre-at%re pa/-ent #s -a)e #n t1e +r#enta. )a/s )epos#t of Rs.2 .a*? t1e pena.t/ #s:::::::::: ::A 5 '0. Prov#s#on#n$ #s -a)e #n w1#*1 (/*A a) !tan)ar) B) !%<:!tan)ar) C) &o%<tf%. &)Loss e) (.. of t1ese. '1. K1at #s Bank rateD '2. P(5 *ar) #s not -an)ator/ of &e-at (/* #n w1#*1 stateA '. @ot#n$ r#$1t to #n)#v#)%a. #n Pr#vate Bank::::::::A '4. R#sk Ke#$1t for >o%s#n$ Loan %pto Rs.0 .a* #s 50%. 0f a <ank -ake a)van*e of Rs.100 1ow -%*1 a-o%nt t1e <ank w#.. 1ave to keep for r#sk we#$1tA R$5 '5. Cap#ta. ()e2%e*/ Rat#o as per RB0:%n)er Base.:00:::A F5 ''. +n w1#*1 (/* C&R "+R !8, #s not app.#*a<.e:::::::::A 5 '7. Reservat#on for !C/!6 %n)er !4!3::::::::::::A F5 '8. Con*ess#ona. rate of #nterest for Pre:s1#p-ent a)van*e .apses #f )o*%-ents not s%<-#tte) w#t1 #n t#-e:::::::::A 0nterest #s not .apse). '9. Pr#-ar/ e)%*at#on for a.. %n)er !arva !1#ks1a (<1#/an::::::::A 70. K1/ (-er#*a <anne) so-e -e)#*#ne of Ran<aD/ A 8an%fa*t%r#n$ pro*ess not 2%a.#f/#n$ L! "&( nor-s 71. ( <#.. (LC) #s pa/a<.e on or a<o%t 0 t1 J%ne s1a.. <e pa#)::::::::A 72. 0n)#re*t ($r.%n)er P.!. for Co.) !tora$e::::::::::::A 7. "#De) &epos#t #ss%e) #n 5R, for t1e per#o):::::::A 74. Co-pos#te .oan %n)er Pr#or#t/ !e*tor:6+ !,::::::::A 75. Per#o) for !1ort &%ra#ton *rop:::::::::::A. 7'. 0f va.%e of assets fa..s .ess t1an 10% t1e a/* s1a.. <e )#re*t./ *.ass#f#e) to::::::::A5 77. >ow -%*1 fore#$n ,D*1an$e *an <e reta#ne)A. 78. 0f 0n)ore wor) #n wr#tten <etween two transverse .#ne *an <e pa#) at Bo-<a/A 79. 0nterest rate r#sk #s w1at t/pe of r#skA 80. P%rpose of f#nan*#a. 0n*.%s#on A +BC +""0C,R!9! K,L"(R, "L5&? B>+P(L R,40+5
Promotion Test 17-06-2012 (UPDATED TILL 01-06-2012) 2
81. B#.. re*e#va<.e ne$ot#a<.e %n)er LC w#.. *.ass#f#e) %n)er:::::::::A 82. K1at #nterest #s pa#) on CRR------D 5%-<er of -e-<er for Bran*1 C%sto-er !erv#*e Co-#tteeA 8. (*know.e)$e-ent of a**eptan*e </ <orrower %n)er +6!::::::::A w#t1 #n 84. Rank of 0n)#a #n 08& 3ear Book Co-pet#t#ve 0n)eD::::::A 85. C1a#r-an of B#o:"%e. Po.#*/::::::::A 8'. P8 ()v#sor/ *o%n*#. fore*ast 4&P $rowt1b2008:09:::::::::A 87. K1/ keep#n$ fore#$n C%rren*/ 5otes #s not prefera<.e t1an 6rave..er *1e2%es::::::A 88. &eepak Parek1 Co--#ttee </ P"R&( #s re.ate) w#t1::::::::::::A 89. RB0 #s fo*%s#n$ on w1#*1 se*tor::::::::::::A a) Co--o)#t/ <) !ens#t#ve et*. 90. R%ra. 6o%r#s- f#nan*#n$ for Brea) = Brakfast. 61ew fees to <e pa#) to 8#n#str/ for 4o.) an) !#.ver roo-sA Rs.5000 = Rs.000. 91. % of Lr<an Pop%.at#on a**ess to Bank Cre)#tA 92. K1at #s t1e $enera. reason for 5P(A 9. Ln)er Gr#s1ak !at1# s*1e-e ref#nan*e fro- 5(B(R& #s %pto :::::::::A
DISCLAIMERD T)& #ont&nt$ n t)$ Aook%&t ar& Aa$&" on In(ormaton #o%%&#t&" (rom Baro'$ $o'r#&$ ?)#) ?& A&%&B& to A& r&%aA%&5 Ho?&B&r, ?& "o not )o%" o'r$&%B&$ r&$pon$A%& (or an> $)ort #omn!$ or &rror t)&r&n5 You have to grow from Inside Out. None You have to grow from Inside Out. None You have to grow from Inside Out. None You have to grow from Inside Out. None can can can can teach you. None can make you teach you. None can make you teach you. None can make you teach you. None can make you Spiritual. There is no other teacher but Spiritual. There is no other teacher but Spiritual. There is no other teacher but Spiritual. There is no other teacher but your own Soul. your own Soul. your own Soul. your own Soul. - -- - Swami ivekananda Swami ivekananda Swami ivekananda Swami ivekananda