1. The document contains 45 multiple choice questions related to export-import policies, procedures and timelines in India.
2. Key timelines covered include normal transaction period (NTP) and normal delivery date (NDD) for foreign currency export bills, crystallization periods for import and export bills, validity periods for export credit insurance policies and ECGC cover.
3. The questions also address topics like maximum periods for packing credit, post-shipment credit, buyers' credit and suppliers' credit, time limits for realization of export proceeds, and reporting requirements for importers who do not submit documents on time.
The document discusses several topics related to financial markets and institutions:
- Capital markets facilitate the flow of long-term funds with maturities over one year, while primary markets facilitate the issuance of new securities. Commercial banks are the most dominant depository institution.
- Interest rates are determined by the supply of and demand for loanable funds according to the loanable funds theory. Factors like expected inflation, government spending, and money supply changes affect the supply and demand curves for loanable funds and equilibrium interest rates.
- Debt security yields are influenced by characteristics like risk, tax status, liquidity, and term to maturity. The term structure of interest rates, as depicted by the yield curve, also influences
This document provides an overview of foreign exchange and derivatives. It discusses key concepts like foreign exchange rates being affected by factors like balance of payments, economic growth rates, and interest rates. It also covers forex derivatives, risks in forex operations like credit risk, settlement risk and gap risk. Correspondent banking relationships and Nostro accounts are explained. Derivatives are defined as instruments that can neutralize or alter risk exposure profiles. The roles of entities like banks, money changers, and the Clearing Corporation of India in forex markets are outlined.
1. The document contains sample questions and answers related to banking and finance topics such as operational risk calculation, provisioning requirements, exchange rates, and bond valuation.
2. Sample questions calculate operational risk levels, provisioning amounts for doubtful asset categories, exchange rates under different scenarios, and bond prices.
3. Answers are provided for each question, explaining the steps and calculations to arrive at the solution. Key terms like spot rates, forward rates, and discount rates are used in the explanations.
This document provides an overview of the lender's appraisal process for home loans. It discusses the key phases including information acquisition, credit appraisal and sanction, and disbursement. The appraisal process begins with an application form that collects relevant information for deciding loan eligibility. Next is the credit appraisal phase where officers scrutinize information and set loan terms. The final phase is disbursement by cheque or bank transfer. The document also includes a sample application form and discusses the procedures lenders follow internally and principles underlying the process.
This document provides a syllabus for a course on retail banking. It covers 4 modules:
1) Introduction to retail banking and products
2) Marketing and technology used in retail banking
3) Accounting and regulations related to retail banking
4) Additional reading on specific retail banking products like home loans
The syllabus outlines topics within each module like the history of retail banking, types of retail products, customer relationship management, technology used, and regulations around recovering retail loans.
Retail banking things you should know from mod a & bVinayak Kamath
This document discusses various aspects of retail banking in India. It covers topics like the role of retail banking within bank operations, applicable business models, important retail products and their development process, credit scoring, asset products like loans, and remittance products. The key points are that retail banking focuses on individual consumers, various business models are used including strategic business units and departmental approaches, and the product development process involves stages from introduction to decline. Important retail products discussed include deposits, loans, credit and debit cards, and remittance services.
1. The document contains 45 multiple choice questions related to export-import policies, procedures and timelines in India.
2. Key timelines covered include normal transaction period (NTP) and normal delivery date (NDD) for foreign currency export bills, crystallization periods for import and export bills, validity periods for export credit insurance policies and ECGC cover.
3. The questions also address topics like maximum periods for packing credit, post-shipment credit, buyers' credit and suppliers' credit, time limits for realization of export proceeds, and reporting requirements for importers who do not submit documents on time.
The document discusses several topics related to financial markets and institutions:
- Capital markets facilitate the flow of long-term funds with maturities over one year, while primary markets facilitate the issuance of new securities. Commercial banks are the most dominant depository institution.
- Interest rates are determined by the supply of and demand for loanable funds according to the loanable funds theory. Factors like expected inflation, government spending, and money supply changes affect the supply and demand curves for loanable funds and equilibrium interest rates.
- Debt security yields are influenced by characteristics like risk, tax status, liquidity, and term to maturity. The term structure of interest rates, as depicted by the yield curve, also influences
This document provides an overview of foreign exchange and derivatives. It discusses key concepts like foreign exchange rates being affected by factors like balance of payments, economic growth rates, and interest rates. It also covers forex derivatives, risks in forex operations like credit risk, settlement risk and gap risk. Correspondent banking relationships and Nostro accounts are explained. Derivatives are defined as instruments that can neutralize or alter risk exposure profiles. The roles of entities like banks, money changers, and the Clearing Corporation of India in forex markets are outlined.
1. The document contains sample questions and answers related to banking and finance topics such as operational risk calculation, provisioning requirements, exchange rates, and bond valuation.
2. Sample questions calculate operational risk levels, provisioning amounts for doubtful asset categories, exchange rates under different scenarios, and bond prices.
3. Answers are provided for each question, explaining the steps and calculations to arrive at the solution. Key terms like spot rates, forward rates, and discount rates are used in the explanations.
This document provides an overview of the lender's appraisal process for home loans. It discusses the key phases including information acquisition, credit appraisal and sanction, and disbursement. The appraisal process begins with an application form that collects relevant information for deciding loan eligibility. Next is the credit appraisal phase where officers scrutinize information and set loan terms. The final phase is disbursement by cheque or bank transfer. The document also includes a sample application form and discusses the procedures lenders follow internally and principles underlying the process.
This document provides a syllabus for a course on retail banking. It covers 4 modules:
1) Introduction to retail banking and products
2) Marketing and technology used in retail banking
3) Accounting and regulations related to retail banking
4) Additional reading on specific retail banking products like home loans
The syllabus outlines topics within each module like the history of retail banking, types of retail products, customer relationship management, technology used, and regulations around recovering retail loans.
Retail banking things you should know from mod a & bVinayak Kamath
This document discusses various aspects of retail banking in India. It covers topics like the role of retail banking within bank operations, applicable business models, important retail products and their development process, credit scoring, asset products like loans, and remittance products. The key points are that retail banking focuses on individual consumers, various business models are used including strategic business units and departmental approaches, and the product development process involves stages from introduction to decline. Important retail products discussed include deposits, loans, credit and debit cards, and remittance services.
This document provides an overview of a lender's home loan appraisal procedures. It discusses the application process, required documentation, appraisal steps, and agreements involved. Key points:
- The application collects applicant information and property details to assess risk. Required documents verify income, identity, address, and property ownership.
- The lender validates information, checks policies, and determines loan eligibility and terms. Agreements cover the loan, security, repayment terms, and applicant obligations.
- The appraisal process involves verifying applicant qualifications, property valuation, legal review, and ensuring repayment ability based on income analysis.
This document provides an overview of marketing and delivery channels in retail banking. It discusses:
1. Marketing is key to success in retail banking as it focuses on building a large customer base. The 7 Ps of marketing mix (Product, Price, Promotion, Place, People, Process, and Physical Evidence) are important for retail banking strategies.
2. Delivery channels include physical branches as well as remote channels like ATMs, internet banking, and mobile banking. While branches provide personal service, remote channels offer convenience.
3. Effective channel design and customer experience are essential, as customers want both human interaction and convenience. Multi-channel distribution allows for total customer experience based on needs.
The document provides information on the CAIIB (Certified Associate of Indian Institute of Bankers) examination subjects. It discusses the objective, eligibility criteria, and structure of the revised CAIIB examination. The examination consists of 2 compulsory papers on advanced bank management and bank financial management. Candidates must also choose 1 elective paper from 11 options, including corporate banking, rural banking, and treasury management. To pass CAIIB, candidates must pass the 2 compulsory papers and 1 elective paper. The electives provide specialization opportunities for candidates in areas relevant to their job profiles.
Retail banking ii lesson 1 distribution session 1(1)Vinayak Kamath
Mutual funds represent combined and diversified funds from large numbers of individual investors with similar investment goals. The structure of mutual funds in India includes mutual fund sponsors, a mutual fund trust, an asset management company, distributors/agents, registrar and transfer agents, and bankers. The benefits of investing in mutual funds include access to professional money managers, diversification, liquidity, tax efficiency, and low transaction costs. Mutual funds can be classified based on their structure as open-ended or close-ended funds, and based on investment objective as growth, income, balanced, or money market funds.
This document appears to be a set of multiple choice questions related to retail banking and home loans. It includes questions about loan origination, credit appraisal, disbursement, check-off facilities, presenting bounced checks, filing complaints for unpaid checks, registering mortgages, priority of charges, foreclosure suits, reviewing credit ratings, power of attorney registration, tax benefits of housing loans, mortgage advice guidelines, calculating future values, annuity tables, capital asset holding periods, exclusions from capital assets, document registration timelines, and valuation practices.
This document contains 30 multiple choice questions related to retail banking designed by Mr. ML Meena, a bank manager. The questions cover topics such as loan origination, credit appraisal, housing loans, tax benefits of home loans, priority of mortgage charges, future and present value calculations, capital gains tax, registration of documents, valuation of properties, depreciation methods, reverse mortgages, guidelines for loan recovery, the SARFAESI Act, and Lok Adalats for alternative dispute resolution.
This document compares the tax implications of taking a housing loan versus not taking one. It shows that taking a housing loan for self-occupation after April 1, 1999 allows the interest paid on the loan to be deducted, reducing tax liability. The document provides an example where tax liability is reduced from Rs. 54,000 to Rs. 14,000 by deducting interest of Rs. 1,50,000 paid on a housing loan. It also discusses additional deductions possible if rental income is generated from the property.
Caiib retail banking sample questions by muruganVinayak Kamath
This document contains a series of questions and answers related to retail banking concepts. It covers topics like product life cycle stages, the marketing mix, loan recovery processes, advantages of retail banking, electronic banking channels, and more. Each question is followed by multiple choice answers and the correct answer is provided. This appears to be a study guide or practice test for an exam on retail banking fundamentals.
This document contains a series of multiple choice questions related to economics, banking, and finance. The questions cover topics like monetary policy, fiscal policy, inflation, GDP, money supply, interest rates, bond prices, demand and supply, and foreign direct investment. For each question, multiple answer options are provided and the correct answer is indicated. The document serves as a study guide or practice test for exams related to subjects like JAIIB or CAIIB.
This document contains a series of multiple choice questions related to economics and banking. The questions cover topics like monetary policy, inflation, interest rates, GDP, money supply, demand and supply. For each question, the correct answer is provided. The document serves as a practice test or study material for exams related to subjects like JAIIB or CAIIB.
This document contains a series of multiple choice questions related to economics and banking. The questions cover topics like monetary policy, inflation, GDP, interest rates, money supply, demand and supply. For each question, the correct answer is provided. The document serves as a practice test for exams related to subjects like JAIIB and CAIIB.
This document provides an overview of a lender's home loan appraisal procedures. It discusses the application process, required documentation, appraisal steps, and agreements involved. Key points:
- The application collects applicant information and property details to assess risk. Required documents verify income, identity, address, and property ownership.
- The lender validates information, checks policies, and determines loan eligibility and terms. Agreements cover the loan, security, repayment terms, and applicant obligations.
- The appraisal process involves verifying applicant qualifications, property valuation, legal review, and ensuring repayment ability based on income analysis.
This document provides an overview of marketing and delivery channels in retail banking. It discusses:
1. Marketing is key to success in retail banking as it focuses on building a large customer base. The 7 Ps of marketing mix (Product, Price, Promotion, Place, People, Process, and Physical Evidence) are important for retail banking strategies.
2. Delivery channels include physical branches as well as remote channels like ATMs, internet banking, and mobile banking. While branches provide personal service, remote channels offer convenience.
3. Effective channel design and customer experience are essential, as customers want both human interaction and convenience. Multi-channel distribution allows for total customer experience based on needs.
The document provides information on the CAIIB (Certified Associate of Indian Institute of Bankers) examination subjects. It discusses the objective, eligibility criteria, and structure of the revised CAIIB examination. The examination consists of 2 compulsory papers on advanced bank management and bank financial management. Candidates must also choose 1 elective paper from 11 options, including corporate banking, rural banking, and treasury management. To pass CAIIB, candidates must pass the 2 compulsory papers and 1 elective paper. The electives provide specialization opportunities for candidates in areas relevant to their job profiles.
Retail banking ii lesson 1 distribution session 1(1)Vinayak Kamath
Mutual funds represent combined and diversified funds from large numbers of individual investors with similar investment goals. The structure of mutual funds in India includes mutual fund sponsors, a mutual fund trust, an asset management company, distributors/agents, registrar and transfer agents, and bankers. The benefits of investing in mutual funds include access to professional money managers, diversification, liquidity, tax efficiency, and low transaction costs. Mutual funds can be classified based on their structure as open-ended or close-ended funds, and based on investment objective as growth, income, balanced, or money market funds.
This document appears to be a set of multiple choice questions related to retail banking and home loans. It includes questions about loan origination, credit appraisal, disbursement, check-off facilities, presenting bounced checks, filing complaints for unpaid checks, registering mortgages, priority of charges, foreclosure suits, reviewing credit ratings, power of attorney registration, tax benefits of housing loans, mortgage advice guidelines, calculating future values, annuity tables, capital asset holding periods, exclusions from capital assets, document registration timelines, and valuation practices.
This document contains 30 multiple choice questions related to retail banking designed by Mr. ML Meena, a bank manager. The questions cover topics such as loan origination, credit appraisal, housing loans, tax benefits of home loans, priority of mortgage charges, future and present value calculations, capital gains tax, registration of documents, valuation of properties, depreciation methods, reverse mortgages, guidelines for loan recovery, the SARFAESI Act, and Lok Adalats for alternative dispute resolution.
This document compares the tax implications of taking a housing loan versus not taking one. It shows that taking a housing loan for self-occupation after April 1, 1999 allows the interest paid on the loan to be deducted, reducing tax liability. The document provides an example where tax liability is reduced from Rs. 54,000 to Rs. 14,000 by deducting interest of Rs. 1,50,000 paid on a housing loan. It also discusses additional deductions possible if rental income is generated from the property.
Caiib retail banking sample questions by muruganVinayak Kamath
This document contains a series of questions and answers related to retail banking concepts. It covers topics like product life cycle stages, the marketing mix, loan recovery processes, advantages of retail banking, electronic banking channels, and more. Each question is followed by multiple choice answers and the correct answer is provided. This appears to be a study guide or practice test for an exam on retail banking fundamentals.
This document contains a series of multiple choice questions related to economics, banking, and finance. The questions cover topics like monetary policy, fiscal policy, inflation, GDP, money supply, interest rates, bond prices, demand and supply, and foreign direct investment. For each question, multiple answer options are provided and the correct answer is indicated. The document serves as a study guide or practice test for exams related to subjects like JAIIB or CAIIB.
This document contains a series of multiple choice questions related to economics and banking. The questions cover topics like monetary policy, inflation, interest rates, GDP, money supply, demand and supply. For each question, the correct answer is provided. The document serves as a practice test or study material for exams related to subjects like JAIIB or CAIIB.
This document contains a series of multiple choice questions related to economics and banking. The questions cover topics like monetary policy, inflation, GDP, interest rates, money supply, demand and supply. For each question, the correct answer is provided. The document serves as a practice test for exams related to subjects like JAIIB and CAIIB.