SBI SO Call Letters Out

SBI SO Call Letters Out

Dear aspirants,

SBI has released the online exam call letters for the Recruitment of Specialist Cadre Officers in State Bank of India on Regular and Contract Basis. Click on below button to download call letter.

Important Dates

Commencement of Call letter Download 10 – 01 – 2017
Closure of Call letter Download 20 – 01 – 2017

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Bank Exams Study Material

All the important study material links for bank and other competitive exams.

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  • Harshita

    idher bhi bye le lo

    • oku le liya

      • Harshita

        okuu

    • Prince-Limitless

      Hiii lelo

      • Harshita

        🙂

        • Prince-Limitless

          :):)
          Chalo Ji Bye

          • Harshita

            bye 🙂

  • Rafael Nadal

    ???

  • GujjU PoOH_N!T

    How do banks work…. One must read

    .

    .

    Son: I have heard recently that Mr. Rajan has reduced Repo Rate by 50 basis points and everyone is saying that this is good for the market. Loan EMI may also come down. What is this rate cut means actually? I want to understand this.

    Dad: To understand this you first need to know, how does a bank function.

    Son: Why?

    Dad: Because all these are inter-related. Tell me – what does a bank do?

    Son: Bank takes money from depositors and gives loan to earn interest. That way they keep everyone happy and make a profit also.

    Dad: Correct, but there are more to it. Let me explain this in a very simplistic way. Bank needs money. Bank can get money from depositors like you and me and also from RBI. But bank also needs to pay certain interest to us and also to RBI.

    Son: Ok.

    Dad: Let us try to understand first – what happens when we deposit, say, Rs. 100 with a bank.

    Son: I know that. Bank gives that Rs. 100 to someone who needs a loan.

    Dad: No, it is not that simple. Remember, though bank can earn interest by giving away loans, but it is also very risky. There are many cases of loan defaults. This way banks can put all our money into high risk areas. It has to be protected.

    Son: How?

    Dad: Ok, RBI has made it mandatory that upon receiving, say, Rs. 100 – banks first have to deposit Rs. 4 with RBI. RBI keeps this Rs. 4 in its current a/c and hence banks do not receive any interest on this money. This is known as Cash Reserve Ratio or CRR, which is currently at 4%.

    Son: Hmmm, then?

    Dad: RBI has also made it mandatory that upon receiving, say, Rs. 100 – banks need to compulsorily buy central and state govt. securities of Rs. 21.50. Of course banks will earn some interest income here. This is known as Statutory Liquidity Ratio (SLR), which is currently at 21.50%.

    Son: Ok, so you mean to say that upon receiving Rs. 100, banks can spend only Rs. 74.50 at its own will.

    Dad: Correct. 100 – (4 + 21.50) = 100 – 25.50 = 74.50

    Son: But you were saying that banks can also borrow from RBI. What interest banks pay to RBI?

    Dad: Before 30th September, banks were paying 8.25% interest to RBI when it borrows money from RBI. Now this rate has been reduced by 50 basis points. So banks now need to pay interest to RBI, if it borrows from RBI, at the rate of 7.75%. This is known as Repo Rate.

    Son: Can fixed deposit rate be affected by reduction of Repo Rate?

    Dad: Of course. If banks get money from RBI @7.75%, why will banks pay higher interest to you and me? One year FD rate is already revised by many banks and it is equal to or very close to 7.75%.

    Son: But as now banks are getting money at a cheaper rate, then they should reduce the loan interest rate i.e. passing on the benefits it receives.

    Dad: Correct. They should. And on that hope market is cheering. If companies get loan at a cheaper rate, they will likely to expand their businesses. That will create more jobs, more income and boost the economy.

    Son: How is inflation linked to this?

    Dad: See, when loan becomes cheaper, people tends to borrow more. That means people will have more money to spend. This will increase the demand for goods, and if supply does not increase to match this demand, then prices will increase.

    Son: So there is a chance, that inflation may rise also?

    Dad: Well, yes. But inflation depends on many other factors as well, like production (industrial and agricultural), manufacturing, export – import, foreign currency movement etc. So inflation may increase or may not.

    Son: One last question. Like we deposit our money with banks, can banks also deposit their money with someone?

    Dad: Yes, they can deposit with RBI and earn interest too. This interest is typically 1% less than the repo rate. This rate is known as Reverse Repo Rate.

    Son: Great! So now I understand CRR, SLR, Repo Rate, Reverse Repo Rate and their impact on deposit rate, loan interest rate and on inflation

    • GujjU PoOH_N!T

      padh loo
      helpful lage to

    • Vidhi Agarwal

      Kem chho majama chho

      • GujjU PoOH_N!T

        hu majama chuuu
        tame kem choo

        • Vidhi Agarwal

          Main bhi majamo chuu
          Jalsa h sab

          • GujjU PoOH_N!T

            jalsa che**

          • Vidhi Agarwal

            Haan jalsa chhe
            Tumhari exam kab chhe ?

          • GujjU PoOH_N!T

            over sb
            reslt ka wait bs
            u ko ATB..

          • Vidhi Agarwal

            Kaise rahe exams ?
            Koi interview?

          • GujjU PoOH_N!T

            averageee…reslt dekhke pata chalega ab
            rrb tha bt hindi me out….
            u ka hai na interview

          • Vidhi Agarwal

            Po h only

          • GujjU PoOH_N!T

            ATB..,,,

          • Vidhi Agarwal

            U too

    • curly

      hmmm gujju rock..!!!

    • curly

      are tu mane bank nu work thodu gujarati ma samjavish?

      • GujjU PoOH_N!T

        Me tane pdf to mokli hve….tema badhu j che

        Vachvu che nai kai hve stupid people….

        • curly

          chup tha stupid vala

      • GujjU PoOH_N!T

        Nd telegram par aavi jaa
        Tya ek group che tema daily interview discussion chaltu hoy

        • curly

          ok aau chal

          • GujjU PoOH_N!T

            Okkk

          • curly

            alya na aavi pachi hu to

          • curly

            tu kai interview layak hoy to keto reje

          • GujjU PoOH_N!T

            Kya kvvvv
            Tare to jorr privacy rakhe che hooo
            Nai tya avine upadi jv hve tane idiottt

          • curly

            hahahah….upadvani kya vat che …su tu b

          • curly

            telegram par bija tapke msg karva nai maja aavti…:P:p

          • GujjU PoOH_N!T

            Su bolii aaa tu
            Bouncer gyu

          • curly

            chod nai samje….

          • GujjU PoOH_N!T

            Okieeeee

      • GujjU PoOH_N!T
  • Abhishek Pavan

    Why do people gulp while interview ?

  • ŘJ *-*

    The rising level of NPA in India is definitely a serious cause behind the economy’s slowdown. It is an issue of major concern for the country and the problem is acute mainly among the public sector banks which are state owned. Because of this the economic growth of the country is slowing down to less than 5% and banks loans are facing the additional stress. Reserve Bank of India has suggested a few measures to come out of this financial distress. Firstly, there should be a comparatively early formation of a lender’s committee with provisions giving incentives to the lenders to quickly and mutually agree to a specific plan. Secondly, there should be more improvements in the current restructuring process and borrowers who don’t comply with the lender’s rules should be charged expensive borrowings. RBI has also recommended that lenders should carry out a strict and comprehensive credit appraisal in each and every case and should not blindly depend on reports made by outside advisers. Sensitivity tests and scenario analysis should also be carried out by banks for infrastructure related projects. To keep a check and save the economy from this financial downfall, the RBI needs to immediately follow these steps. Only with more strict regulatory processes will the economy be able to come out of the financial depression.

  • Vidhi Agarwal

    Sab so gye ??

    • Abhishek Pavan

      :O

      • Vidhi Agarwal

        OK u are here

        • Abhishek Pavan

          Hmmm I am

    • jini-In Pursuit Of Excellence!

      abhi to uthe h ;p

      • Vidhi Agarwal

        12:55
        U are my friend jinni
        V good

        • jini-In Pursuit Of Excellence!

          haha ;p

    • Jellyfish

      Me hua

      • Vidhi Agarwal

        Good to see u

  • jini-In Pursuit Of Excellence!

    niacl mains kichka tha

    • Abhishek Pavan

      Kohli

      • jini-In Pursuit Of Excellence!

        achaa ty

    • Rafael Nadal

      Sirf tha..ya dena ka b pooch rhi

      • jini-In Pursuit Of Excellence!

        arey kon dene gya

        • Rafael Nadal

          Ok me nhi

          • jini-In Pursuit Of Excellence!

            i know

          • Rafael Nadal

            How

          • jini-In Pursuit Of Excellence!

            jaduu

          • Rafael Nadal

            Oh …awesome 🙂

          • jini-In Pursuit Of Excellence!

            ;p.

  • Smarty

    Hi

    • jini-In Pursuit Of Excellence!

      Hi

      • Smarty

        Tum bin kaise jiya jaye 😛

        • jini-In Pursuit Of Excellence!

          aise

          • Smarty

            Na mujh Tum dekho

  • jini-In Pursuit Of Excellence!

    ;p

  • Vidhi Agarwal

    Difficult niacl
    English old new mix

    • jini-In Pursuit Of Excellence!

      oh.. lic b aise karega ;p

      • Vidhi Agarwal

        Maine 3 baar diya h sabse easy
        Ab god knows

        • jini-In Pursuit Of Excellence!

          han mene b diya tha last time.. kash ga padhi hoti ;p

          • Vidhi Agarwal

            251/300

          • jini-In Pursuit Of Excellence!

            hmm 😐

          • Vidhi Agarwal

            U k?

          • jini-In Pursuit Of Excellence!

            243 ;p ga me 19 bachh

          • Vidhi Agarwal

            Arey pass ho jaati easily

          • jini-In Pursuit Of Excellence!

            I regret 😐 everyday

      • jini-In Pursuit Of Excellence!

        agar aya to ;p

    • Smarty

      Tumhara tha?

      • Vidhi Agarwal

        Prelim dene nhi gyi

        • Smarty

          Seddhe mains 😛

          • Vidhi Agarwal

            Hehe clerk prelim fail hone k baad Mann nhi kiya

          • Smarty

            Yr ye man k v bada drama hai manta hi nahi

  • Smarty

    Close ur eyes miss me

  • SAT

    koi nahi bye

  • jini-In Pursuit Of Excellence!

    niacl prelims marks out

  • jini-In Pursuit Of Excellence!

    ippb cutoff will be below 65 is hisab se :/

  • Aquarius Richa :)

    O_o