The Bank of India Credit Officer Professional Knowledge syllabus has been divided into 7 comprehensive modules covering banking, credit, RBI regulations, laws, and English.
Exam Pattern
|
Section |
Questions |
Marks |
|---|---|---|
|
English Language |
25 |
25 |
|
Professional Knowledge |
100 |
100 |
|
Total |
125 |
125 |
Notes:
- The tests (except English Language ) will be available bilingually in English & Hindi .
- The English Language Test is of qualifying nature only , marks not added to the merit list.
- Minimum qualifying marks: 35% in English Language & Professional Knowledge for General/EWS .
- SC/ST/OBC/PWD candidates get 5% relaxation , and it is mandatory to qualify each test.
BOI Credit Officer Syllabus
English Language
Professional Knowledge
Module A: Overview of Credit
- Principles of lending
- Credit policy
- Types of borrowers & types of credit facilities
- Credit delivery
- Credit Appraisal
- Credit rating
Module B: Analysis of Financial Statements
- Basics of Financial statements
- Ratio analysis
- Cash flow statement
- Fund flow statement
- Project appraisal
- Working capital management
- Break-Even Point & Capital Budgeting (NPV, IRR)
Module C: Financial management
- Indian Financial System
- Regulatory bodies in India
- Money market and Capital market instruments
- Time value of money
- Basics of derivatives
- Leverages
- Capital budgeting
Module D: Other credits
- Export finance
- Priority sector lending
- Non-fund based Credit Facilities
- Government sponsored schemes
- Retail loans
- Agricultural Credit & KCC
- MSME Credit & CGTMSE
- Retail Credit — Housing, Vehicle, Personal Loans
Module E: Management of Impaired assets
- Documentation
- IRAC norms
- Types of charges
- Management of impaired assets
- IBC 2016
- SARFAESI ACT
- Basel Norms
- Consortium Lending & Syndication
- CERSAI Recovery of Bad Debts
- NPA Identification & Provisioning
- Charge Creation
- Restructuring of Advances
- Credit Monitoring
Module F: RBI circulars and related laws
- RBI circulars (1 year)
- Companies act
- Contract act 1872
- Banking regulation 1949
- RBI act 1934
- Negotiable instruments act 1881
- Payment and settlement act 2007
- Bank Guarantee — Types, Invocation, Limitation
- Letter of Credit & UCPDC 600
Module G: Financial Awareness
- Monetary Policy Updates
- Financial Institution in India
- Mergers & Acquisitions in Banking Sector
- Digital Banking Developments
- Important Banking Terms & Abbreviations
