SME RBI / SEBI / IRDA Moetary and Fiscal Policy BASEL International Financial org like WTO , IBRD

, ADB etc.... Priority Sector Cooperative Banks DICGC Loan Policy Investment Policy of Banks Pension Funds Management Retail Customers Corporate Customers Competition amongst Banks for Customers Banking Ombudsman Know Your Customer (KYC) Internet Banking Mobile Banking Transactions Point of Sale (PoS) Terminals Micro Credit BOP / BOT

CASA LDCs or Least Developed Countries Laissez Faire SATMO Vande Mataram Scheme Golden Handshake Scheme Revolving credit Soft Currency Special Drawing rights SDR Free Float Exchange Rate system Sustainable Development MONEY MARKET AND CAPITAL MARKET STRUCTURE OF BANKING IN INDIA DEVELOPMENT BANKS LOANS AND ADVANCES TYPES OF SECURITIES LETTER OF CREDIT Structure of the Indian Financial System and its Components Scheduled and Non-Scheduled Banks Moneylaundering Black Money & Parallel Economy

Hawala OPEN mARKET oPERATIONS Inflation Money supply ( M1 , M2 , M 3 )

Chetan kirtane

Those worried about BOB marketing Paper, and mugging up fierce fully, here is something, Try to go through the definition of these concepts, 1. Lead 2. Prospect 3. Market Segmentation- objective, role, end result 4. Marketing Mix 5. Services Marketing, features- Intangibility, Inseparability, etc. 6. Banks Marketing-half nest, full nest, empty nest, 7. Debit Cards/Credit cards 8. EMI options, 9. Common tagline/catchline of advertising and branding 10. Bancassurance 11. Cross-Selling 12. Sales motivation 13. Sales Team 14. Direct marketing Agent/Direct Selling Agent 15. Direct Selling 16. Direct Marketing 17. Benefits of ATM/I Banking/ Plastic Money 18. Market Skimming 19. Telemarketing 20. Car Loan-EMI 21. Housing Loan 22. Teaser rates 23. EMI and Marketing??? 24. ICICI & BOR merger, 1:4.72share swapping ratio(please check) 25. Remittances

For Socio-Economic & banking Awareness 1. Repo Rate, reverse Repo, Bank rate, SLR, Base Rate, BPLR,

2. savings account/current account 3. Teaser rate 4. Inflation, Food Inflation, new CPI Scale, Base Year, 5. Liquidity Infusion and diffusion viz. a viz. repo and reverse repo 6. NPA, 7. SARFESAI 8. ASBA 9. Teaser Rates 10. Floating Interest Rate 11. Security in Banking, 12. UIDAI, ASHA, NREGA, RAY, SWABALAMBAN, 13. World Bank Loans, 14. FDI India Inflows, 15. Microfinance companies and the problem, refer SKS 16. Rural Banking, Financial Inclusion 17. Credit Flow and Deposit mobilization Targets 18. RIDF, NABARD Functions 19. Infrastructure Spending 20. 11 Year Plan 21. Agriculture Growth rate, 22. RTA or Right to education Act salient features 23. Nobel Prize Winners, special ref. economics, peace 24. SBI Ammendement Act 2010, allow reducing govt. holding to 51% from present 55 %. 25. Capital Infusion in Banks 26. CAR, BASEL II & III, Tier I Capital 27. GDP, GNP Concepts, 28. Recession, double Dip Recession 29. Eurozone debt crisis 30. CANCUN 2010 and India's stand 31. Food security bill 32. PDS Modernization

What Does Current Account, Savings Account (CASA) Mean? CASA accounts are most prominent in middle and southeast Asia, and are an attempt to combine savings and checking accounts to entice customers to keep their money in the banks. The current account portion pays no or very low interest, while the savings portion pays an above average return. They are offered free or for a fee depending on minimum or average balance requirements. Investopedia explains Current Account, Savings Account (CASA) A form of CASAs have begun to emerge in the United States as well, as the banking institutions attempt to limit the disintermediation that occurs when bank-deposit interest is lower than other available short-term investments. These deposits tend to be cheaper than the bank issuing certificates of deposit (CDs) and are considered more dependable as well. What Does Teaser Rate Mean? An initial rate on an adjustable-rate mortgage (ARM). This rate will typically be below the going market rate, and is used by lenders to entice borrowers to choose ARMs over traditional mortgages. The teaser rate will be in effect for only a few months, at which point the rate will gradually climb until it reaches the full indexed rate, which will be a static margin rate plus the floating rate index to which the mortgage is tied (usually the LIBOR index). Investopedia explains Teaser Rate The use of teaser rates tends to grow dramatically during times when long-term interest rates move toward historical lows. Lenders stand to make much more money on ARMs if interest rates rise, while borrowers with ARMs will be faced with high interest payments.

New CPI to Be Released From 18th of Feberuary 2011

The Central Statistics Office (CSO) of the Ministry of Statistics & Programme Implementation announced that the new series of Consumer Price Index(CPI) numbers for Rural, Urban and Combined (Rural +Urban) on base 2010 ( January to December)=100 taking all segments of rural and urban population for the month of January, 2011 will be released by the Central Statistics Office for the States/UTs and all- India on 18th February, 2011.These indices will be

available for five major groups namely Food, beverages and tobacco; Fuel and light; Housing; Clothing, bedding and footwear, and Miscellaneous. Present CPI numbers do not encompass all the segments of the population in the country and as such they do not reflect the true picture of the price behavior in the country. It is therefore necessary to compile a CPI which takes into account the consumption patterns of all segments of the population. New series of CPI for urban areas CPI (Urban) numbers are compiled at State/UT as well as at all- India level. Weighting diagrams (consumption patterns) of the CPI (Urban) have been derived from the results of the NSS 61st round of Consumer Expenditure Survey (2004-05). For regular price collection, 310 towns have been selected, which include all State/UT capitals. From each selected town, price data are collected in respect of items consumed by the population of the respective State/UT. In all, 1114 price schedules containing an average of 250 items are canvassed every month. House rent data are also collected from a fixed set of rented dwellings from the selected towns. Prices of items are collected by the field officials of the National Sample Survey Office (NSSO). New series of CPI for rural areas CPI (Rural) numbers are compiled at state/UT and all- India levels. Weighting diagrams of the CPI (Rural) have also been derived from the results of the NSS 61st round of Consumer Expenditure Survey (2004-05). With a view to have a workload within manageable limits and considering the fact that the CPI (Rural) would provide the price changes for the entire rural population of the country, a total of 1181 villages have been selected at all India level. The broad criterion of selection of villages is to have representation of all the districts within State/UT and two villages from each district have been selected randomly from different tehsils. However, to provide adequate representation of the total rural population in some States/UT, allocated number of villages to the states has been increased or decreased on the basis of population of the concerned State/UT. Regular prices are collected by the officials of the Department of Posts. One schedule containing an average of 225 items from each selected village is canvassed for collection of prices every month. National CPI

CSO will also compile national CPI by merging CPI (Rural) and CPI (Urban) with appropriate weights, as derived from NSS 61st round of Consumer Expenditure Survey (2004-05) data. Weighting diagrams The share (weight) of the Food, beverages and tobacco group in the all India CPI (Rural) is 59.31% and it is 37.15% in the all India CPI (Urban). Fuel and light group has a weight of 10.42% in CPI (Rural) and 8.40% in CPI (Urban). Clothing, bedding and footwear group has weight of 5.36% in CPI (Rural) and the weightage of 3.91% in CPI (Urban). Housing group has not been given any weightage in the rural areas CPI as its share is around 1% and it has been distributed to other groups on pro rata basis. CPI (Urban) has a weightage of 22.53% in respect of Housing group. The Miscellaneous Group consisting of education, medical care, transport and communication etc has 24.91% weight in the all India CPI (Rural) and the corresponding weight in the all India CPI (Urban) is 28%. All India weights of new series of CPI numbers at sub-group and group levels are given in Annex. Release of indices Index numbers for both rural and urban areas and also combined for the month of January, 2011 will be released on 18th February, 2011. It is proposed to release provisional indices for a period of one year. Indices for States/UT will be released only if adequate number of schedules is received at the time of compilation of index. These provisional numbers will be subsequently revised and final numbers with complete data for all-India and also for all the States/UTs would be released with a time lag of two months. It is expected that data reporting will be considerably improved and there may not be any need to bring out separate provisional numbers after December, 2011. Indices for January, 2012 onwards along with annual inflation rates are likely to be released with a time lag of one month. Revision of indices These new CPI numbers would be revised on the basis of the results of the next round of Consumer Expenditure Survey scheduled to be conducted during 2011-12 by the NSSO. Thereafter, revision will be undertaken every five years or so (whenever large scale Consumer Expenditure Survey data become available).

Annex

New series of CPI-- All India weights

Sub group/group Cereals and products Pulses and products Milk and milk products Oils and fats Egg, fish and meat Vegetables Fruits Sugar etc Condiments and spices Non- alcoholic beverages Prepared meals etc Pan, tobacco and Intoxicants Food, beverages and tobacco Fuel and light Clothing and bedding Footwear Clothing, bedding and footwear Housing Education Medical care Recreation and amusement Transport and communication Personal care and effects Household requisites Others Miscellaneous All Groups 2.71 6.72 1.00 5.83 3.05 4.48 1.12 24.91 100.00 Rural 19.08 3.25 8.59 4.67 3.38 6.57 1.90 2.41 2.13 2.04 2.57 2.73 59.31 10.42 4.60 0.77 5.36 Urban 8.73 1.87 6.61 2.89 2.26 3.96 1.88 1.26 1.16 2.02 3.17 1.35 37.15 8.40 3.34 0.57 3.91 22.53 4.18 4.34 1.99 9.84 2.74 3.92 0.99 28.00 100.00 Combined (Rural+Urban) 14.59 2.65 7.73 3.90 2.89 5.44 1.89 1.91 1.71 2.03 2.83 2.13 49.71 9.49 4.05 0.68 4.73 9.77 3.35 5.69 1.43 7.57 2.92 4.30 1.06 26.31 100.00