Friday, April 8, 2011

TO Exam Model Questions.



Here are few model questions for Trainee Officers Exam.
Collected from SBLC Musilipatnam.



Tuesday, March 29, 2011

1.Public Sector Banks are not utilizing huge Human Resource properly

For

Computerization of Banks resulted in surplus staff but not banks has utilized them for marketing/sale related activities. Every one is comfortable with the present environment.

Against

The surplus man power are capable of handling only certain specific tasks. They lack in the required skills like communication/marketing/ listening etc. 2.Right to work must be made a fundamental right

For

Unemployment/Under employment leads to frustration and poverty. Poverty will result in engaging in anti social activities.

Against

It is better to train how to fish rather than donating fish There will be a crunch on the resources available with Govt for implementation. 3.Swapping of Bank branches among banks should be allowed

For

This will enable merger of loss making/marginally profit making branches of different banks in one particular area. Beneficial for both the banks in sharing the technology platform and the experience of the employees. Improve efficiency and profitability.

Against

Merger and closure of branches in remote and rural areas will lead to in adequate banking facilities in these areas 4.Foreign banks should also be given targets for priority sector on par with public sector banks

For

It will provide level playing field for all the banks. More flow of credit to rural India

Against

Foreign Banks presence is very low. Reaching rural India is very difficult and achieving the targets not possible. 5.Income Tax must be abolished

For

Individuals and corporate will have better incentive and motivation to work effectively and earn more and save more. This will result in economic growth The problem of tax evasion / black money can be curbed once for all Against The Government will lose a substantial source of income The principle of contribution for the growth of the economy by every individual will be eroded 6.Banks should be prohibited from investing in stock markets

For

Markets are very volatile No adequate expertise / credible experience in this field Frequent scams in the stock market has affected the stability and credibility of the system

Against

Banking in today’s context is provision all kinds of financial services Bank should therefore emerge as a knowledgeable player in this area also The income earned contributes to overall increase in profitability 7.Public Sector banks must be exempted from the jurisdiction of the CBI / CVC

For

To remove the fear in the minds of the employees over CBI / CVC which ultimately hampers the decision making process in respect of high value credit To enable the executive to take reasonable risks for business growth and development To provide a level playing field for all the Banks – Public / Private Sector Banks

Against

Such an exemption for PSBs i.e., one set of PSUs will send a wrong signal. On the other hand all PSBs must evolve a strong machinery to take swift action to save the image / morale of the organization 8.Instead of Income tax, there should be Expenditure tax

For

Income Tax is a Direct Tax and it pinches the tax payers. The tax payer tries to evade the tax, if possible. In case of Expenditure Tax consumer pays tax only when he spends money.

Against

India has witnessed scams. Economic offences have been repeatedly committed. Tax payers will not feel they sacrifice for the country when they pay tax. 9.Five-day week in banks will improve output and efficiency of staff.

For

Life style of the people have changed and they need some quality time to spend with their family The output and efficiency will improve when the people come back after two days time.

Against

Business gets delayed and it affects other industries. The two days couple with any national holidays etc. it will make a substantial difference and loss to many business people concerned. 10.Banks should introduce Dress Codes

For

It will create a sense of belongingness and identification of the employee It will enhance dignity and the image of the Bank.

Against

This is against the spirit of democracy It may demoralize the employees especially those in higher grade. 11.On the Job’ Training is better than Institutional Training

For

Learning by experience is always better. Skilled works can also be learned under the guidance of other experienced persons.

Against

Management inputs and technical inputs can be provided only in Institutional Training. Orientation and Motivation inputs can be possible only through Institutional Training 12.Bank advances should be exempted from the operation of Limitation Act

For

Documents remains with the Bank all the time and this will relieve the branch people in completing and getting new/revival documents. More and meaning full time can be spent on bringing in business.

Against

It makes the Banks to monitor and supervise the assets effectively. It safeguards both the creditor and debtor. 13.Incentives should be given for the employees who involve in recoveries of NPAs For

It will enable the employees to involve sincerely and there is possibility of recovery of dues earlier. Asset Quality can be ensured in the process. It is better to entrust the job to our employees rather than engaging outsiders and better cost benefit ratio.

Against

It may lead to affect regular and vital activities of the Bank and lack of concentration on routine and system and procedures. Other channels are available for Banks like SARFAESI, DRT etc.


Collected from SBLC, Thrichy

TO Exam Postponed!!

Friends, TO exam has been postponed due to Administrative reasons. Exam will be conducted on 5th June 2011. HR department already released the Roll Numbers in respective Circle websites.

First Post

Hi Friends, Here is some study material for Trainee Officer Test aspirants.