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#mission60+

RECOLLECTED QUESTIONS OF S.T.P T.O. EXAM 2014, HELD ON 06th JULY 2014
Based on Memory By: Rohit Kumar Sharma, T.O. 2012 Batch, Delhi Circle
Objective Questions: 60 Marks ( Duration 1 Hrs.)
SEC-I DEVELOPMENT BANKING
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Max loan amount in SME Credit Card Loan 10 Lac


Min. Score required in SME Smart Score Loan- 60%
Max guarantee cover under CGFTMSE Loan 50 Lacs
Max Loan in Doctor Plus Scheme (Metro/Urban) for Corporates & Parternship firms 10 Crore
Max Loan amount in SME Construction Equipment Loan (CEL) in metro- 50 Crore
LTV ratio in SME ABL for loan amount upto 10 Crore- 60%
Max Loan amount in Rent Plus Scheme 10 Crore
Max Loan amount in School Plus Scheme- No Max cap
Max loan & margin in SBI SHOPPE Loan 20 Lacs & 25% ( New property) 40% (old property*)
WC Assessment in Rice Mills Scheme upto 5 crore is based on Nayak Committee
Max Loan amount in SME credit plus scheme- 20% of WC limit of( FB+NFB)
Max Amount is POS linked OD 5 Lac
LTV of Home Loan, 20 Lacs to 75 Lacs 80%
Small deposit A/c max balance : 50000/Housing Loan, Moratorium period for building of more than 20 floors -36 Months
Max loan amount in NRI Home Loan No Max limit
Home loan with OD Facility Maxgain
Car Loan Eligibility: Min NAI for Agriculturists 4 Lacs
Max Loan limit in Combo Car Loan for salaried person 48 times of NMI
Max Loan limit under SBI Student Loan scheme for studies abroad -30 Lacs
Max Loan repayment period under SBI Scholar Loan - 12 year
Doctor plus Scheme, DSCR requirement : 1.5
SME Current A/c with Rs 1000 as QAB SME SAHAJ
Car Loan EMI/NMI Ratio for NAI < 10 Lacs 50%
SEC-II GEN. AWARENESS

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Pre 2005 Currency Notes exchange date extended to- 1 Jan 2015
Recently SBI raises Rs 8250 Crores through QIP
Who is head of the committee recommended Monetary policy framework Mr. Urjit Patel
What is WHITE label ATM owned & managed by Non banking agencies
Who submit report on comprehensive financial service- Mr. Nachiket Mor
PIN mandatory for POS txns w.e.f. 01 Dec 2013
RBI gives In-principle approval to open New Banks to Bandhan & IDFC
Expand CAD- Current Accounts Deficit
How much provision for capital conservation buffer in BASEL III- 2.5%
IMF International Monetary Fund
IFRS- International Financial Reporting Standards
World Bank HQ Washington D.C.
NOFHC- Non operating financial holding company
Asian Development Bank HQ Manila
MSF rate is- 1% above Repo Rate
Which is not a RBI Monetary tool (from options- CRR/Repo rate/Rev. Repo/ BPLR) BPLR
Which is not covered under Priority sector lending Agri Advance/Education/SME/Import/Export
Which state receives max Inward Remittance- Gujrat/Kerala/Andhra Pradesh/Punjab Kerala
GDP assessed by CSO
Investment in Plant & Machinery, 25 Lacs to 5 crore comes under- Small Enterprises.
Base Rate System in Banks applicable from 01-07-2010
Who is regulator of securities market SEBI

Compiled & Recollected By: Rohit Kumar Sharma, Trainee officer 2012 Batch, Model Town Branch, New Delhi

email: rohit.kumar4@sbi.co.in , Mob: 08527433778, 9990916745


*DISCLAIMER: This recollection & compilation is a voluntarily effort, the compiler assumes no responsibility for authenticity of the
answers. However the great precaution is taken while answering the questions, in case of any doubt aspirants are advised to go through
the official instructions/circulars/relevant sources.
(9/7/14 #mission60+)

Page 2 of 4

#mission60+

47. Who is chairperson of financial stability & Development Council?


48. As per Income Tax Act , Interest earn in Saving Bank account upto Rs is exempt from income
tax. RS 10,000/- (u/s 80 TTE)
SEC III TECHNOLOGY
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Computer security day is observed on -30 Nov.


Rupay Card is launched by NPCI
Virtual card is issued in :INR ONLY
What does encryption means?
How many virtual card can be issued in a day ? No limit
Validity of Classic Debit Card 10 Years
How many digits are in PPK ? - 10
What is spoofing? -phising
Expand VIRUS : Vital Investigation Resource under Seize
INB kit request by visually impaired person is accessed to INB Deptt. by Branch for issuing kit.
In IRATA, which service is started in first phase instant third party addition in INB upto Rs 5 Lac.
Our INB website is https://www.onlinesbi.com , here s means secure.
SEC-IV GEN BANKING (SYSTEM & PROCEDURES)

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A cheque is a Bill of Exchange


Currency Note is a promissory note
Paying Banker protection u/s .. on NI Act- sec 128 (from option)
Holder in due course sec 9 of NI Act
Companies Act 2013 replaces companies act .. ( 1956)
If Public holiday is on the day of maturity the instrument should be payable on preceding day
TDS applicable on which types of Deposits?
How many month old telephone bill be used as valid address proof under KYC? 3/6/9/1
In COPRA, period for filing appeal is 30 days
Bank have to file Return on Unclaimed deposit of more than 10 years
Suretys liability is co extensive
Max punishment provision u/s 138 of NI Act- 2yrs imprisonment or/and fine upto the twice the
amount of cheque.
Max imprisonment u/s 25 of payment & settlement Act, 2007 24 months
How many numbers of vehicles can be financed under priority sector lending?
Sans recourse endorsement is a type of- restrictive /conditional/facultative/per pro endorsement.
As per BCSBI the relationship of Bank with the customer is .
Claytons rule : first debit adjusted by first credit ( as per options)
In case of bailment, bailee is bound to take as such care of the goods bailment to him as a man of
ordinary prudence would take of his own goods.
A bailment is the delivery of goods by one person to another for some purpose, upon a contract that
they shall, when the purpose is accomplished be returned or otherwise disposed of according to the
direction of the person delivery them.
Characteristics & features of LLP.
As per sec 138,NI Act , after bouncing of cheque due to insufficient fund , payee can demand the
money from drawer within 30 days of receipt of returning of cheque from bank.
Immovable property registered with CERSAI
As per BR Act, Bank can retain the property in its possession upto.. years.
SEC-V PERSONAL BANKING

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Deposit of Rs 15 lac & above- No premature penalty


SBI TAX Saving FD, Lock in period is- 5 years
Max amount deposit under SBI Tax Saving FD in a financial year Rs. 1,00,000/HNI criteria as per CIF : 20 Lac Deposit excudes PPF & SCSS deposit.
In car loan 2 credit reports are taken at which loan amount Above 5 lacs

Compiled & Recollected By: Rohit Kumar Sharma, Trainee officer 2012 Batch, Model Town Branch, New Delhi

email: rohit.kumar4@sbi.co.in , Mob: 08527433778, 9990916745


*DISCLAIMER: This recollection & compilation is a voluntarily effort, the compiler assumes no responsibility for authenticity of the
answers. However the great precaution is taken while answering the questions, in case of any doubt aspirants are advised to go through
the official instructions/circulars/relevant sources.
(9/7/14 #mission60+)

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#mission60+

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Arthias Plus Scheme is for- financing Commission agents (against receivables from farmers)
Max loan repayment period under P-segment Gold Loan 30 Months
Two TIR verification of Housing Loan above Rs 50Lacs
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If a Car Loan sanction on or before 15 of the Month, than first EMI is due on 30 of the Month/ 1
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of Next Month/20 of Next month/10 of Next month
93. In case of car loan, Insurance cover of vehicle should be atleast ..% of loan outstanding.
100/110/150/125

SEC-VI COMMERCIAL & INSTITUTIONAL BANKING


94. Cash margin of LC/BG comes under- CA/CL/Non Current Asset/Intangible Asset
95. CA= 100 Lacs, CL= 150 Lacs & Quick Asset= 50 lac. Calculate Current ratio. (0.67)
96. Take over Norms under SSI- TL should not be restructured ( from option)
97. Priority Sector Advance is derived from ANBC of last year
98. Which account is not of CC nature (from options) Standby Line of Credit
99. Contribution = sales-variable cost
100. What is operating cycle? Conversion of cash to cash
101. Which increases liability ( from option) : increase in depreciation
102. Prudential norms for group financing: 40%
103. Accommodation Bills for which consideration
104. Max restructuring period for TL
105. Banks norms, max exposure for group borrower 15%

Descriptive Paper
140 Marks ( 2 Hrs 30 minutes)
Rationales: 2 Marks each
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40 Marks

Bank is charged depreciation to its assets.


Right of general lien cannot be exercised on securities entrusted to bank for safe custody.
In case of Gold Loan DPN is obtained in addition of pledge of gold ornaments.
Nominees signature is not obtained on the nomination form.
Cross selling is given more importance.
KGC limit is not provided for tractor purchase.
In case of change in constitution of partnership, it is advised to close the account and open fresh
account.
RBI advised banks to open Basic saving account and Small accounts.
Non fund based advances is a credit decision.
In case of default in trust loan account, Bank can recover amount from trustees personal
account.
Banks are not allowed to finance below base rate.
Cheque signed by the director of the company is paid even after his death.
When Not Negotiable crossing is open by the drawer, the cheque should be paid to the drawer or
agent of the drawer.
Pre-shipment finance, if not adhered with the terms; commercial rate will be applied ab-initio.
There is no limit of number of Banks in consortium lending.
ATM card is dispatched to customer while PIN mailer is sent to branches.
Bank seal should not be affixed on packet of safe deposit articles entrusted for safe keeping.
Margin is less in raw materials in comparison to the margin for finished goods.
Repayment of KCC is fixed with harvesting season.
Bank is insisting on collateral security.

Compiled & Recollected By: Rohit Kumar Sharma, Trainee officer 2012 Batch, Model Town Branch, New Delhi

email: rohit.kumar4@sbi.co.in , Mob: 08527433778, 9990916745


*DISCLAIMER: This recollection & compilation is a voluntarily effort, the compiler assumes no responsibility for authenticity of the
answers. However the great precaution is taken while answering the questions, in case of any doubt aspirants are advised to go through
the official instructions/circulars/relevant sources.
(9/7/14 #mission60+)

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#mission60+

Letter: 10 Marks
You have just join as Branch Manager in a scale II Branch, Branch is undergoing RFIA, Auditor is
pointed out a fraud of Rs 75 Lac in a SME account and also appreciate the efforts of branch &
controlling office for handling and follow up of the account. Auditor is also advice that there are more
irregularities in SME and Personal Segment which should be addressed immediately.
Your Branch has one officer, 2 award staff and one messenger only. Write a letter to your controller
by apprising him with the development.

Situation Analysis: 12 marks each


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(60 Marks)

You have recently joined a branch in a small town, having young and energetic staff. An industrial
area is located at nearby place, from which 4 major Industries are dealing with your MCG branch.
Your branch business is not growing from last 6 months. Place a suitable outlay plan for business
growth.
A gentlemen wearing good dress, visited the branch with a passbook of a lady. The account has
huge balance. He asked the SWO for current balance in account and also said that the account
holder is his wife. How would you handle the situation?
Your branch has hired a safe deposit locker to Mrs. Raja & Mr. Raja on either or survivor basis.
One day Mrs. Raja comes to the bank and informs you that she lost her handbag which contained
the locker key, while she was travelling to train. Now she wants to access the locker for taking
away the gold ornaments kept inside it for her daughters marriage, which is to be held shortly.
She also informed that her husband is in London for attending a conference and he will came one
week before marriage. How will you proceed?
You are Field Officer in a medium sized branch. An SSI unit approaches you for a Working Capital
Limit of Rs. 50 lac. The last year turnover of the limit was Rs. 1.50 Crore and projected turnover
for the current year is Rs. 2.00 Crore. Based on the Nayak committee recommendation, work out
the limits.
Your branch is having a CC account of Mr. X, with limit of Rs. 5 crores and the current balance of
the account is Rs. 2 crore (Debit). He has also a TDR of Rs. 1 Crore, which is kept as margin for the
Bank guarantee issued. You have received a Income tax attachment order, for attaching Rs. 2
crore from Mr. X account. How you act in the situation? Discuss.

Comprehension: 2 comprehensions with 5 questions each, (10x3=30 marks)


**********

Special thanks to #mission60+ group members for motivating me for recollecting & compiling the Questions.

* DISCLAIMER: This recollection & compilation is a voluntarily effort, the compiler assumes no
responsibility for authenticity of the answers. However the great precaution is taken while
answering the questions, in case of any doubt aspirants are advised to go through the official
instructions/circulars/relevant sources.

Compiled & Recollected By: Rohit Kumar Sharma, Trainee officer 2012 Batch, Model Town Branch, New Delhi

email: rohit.kumar4@sbi.co.in , Mob: 08527433778, 9990916745


*DISCLAIMER: This recollection & compilation is a voluntarily effort, the compiler assumes no responsibility for authenticity of the
answers. However the great precaution is taken while answering the questions, in case of any doubt aspirants are advised to go through
the official instructions/circulars/relevant sources.
(9/7/14 #mission60+)