Bank of India Credit Officer 2022

Bank of India Credit Officer exam is going to be conducted for the selection of Credit Officers in Bank Of India. On this page, we will provide Exam pattern, Exam Syllabus and Previous papers for Bank of India Credit Officer 2022 exam.

Important Dates

Submission of on – line application commencing from	26.04.2022
Last date for submission of on – line application	10.05.2022
Relevant date for Age and Qualification	01.12.2021
Tentative Date of Online Examination	Will be advised separately

Eligibility Criteria (as on 1 December 2021)

Name of the Post	Scale	Educational Qualifications	Work Experience
Credit Officers	JMGS-I	A Degree (Graduation) in any discipline with minimum 60% marks alongwith MBA/PGDBM/PGDM/PGBM/ PGDBA with specialization in Finance / Banking and Finance from institute of repute (two/three year programme) / Post-graduation degree in Commerce/ Science /Economics.  (candidates appearing in the final year of examination of MBA/PGDBM/PGDM/PGBM/ PGDBA from institute of repute (two/three year programme) / Post-graduation degree in Commerce/ Science / Economics are eligible to apply, However their final result should be declared on or before 31st March 2022.)  OR  CA / ICWA / CS  A certification in computer course for minimum three months  OR  Information Technology or related paper as one of the subjects at graduation level or afterwards, is a must.	Nil

Age Criteria (as on 1 December 2021)

Name of the Post	Age as on 01.12.2021
	Minimum Age	Maximum Age
Credit Officers	20	30

Exam Pattern 

Sr. No.	Name of the Tests	Maximum Marks	Duration
1.	English Language	50	Composite Time of 150 Minutes
2.	Professional Knowledge	100
3.	General Awareness with special reference to Banking Industry	25

Bank of India Credit Officer 2022 Course by Ramandeep Singh

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Syllabus for Bank of India Credit Officer 2022

English

• Reading Comprehension
• Cloze Test
• Error Spotting
• Double Fillers
• Sentence Rearrangement
• Vocabulary Based Questions

Professional Knowledge 

1. Working Capital Management

• Introduction
• Need for working capital
• Cash cycle
• Management strategies for working capital

2. Ratio analysis

• Liquidity ratio
• Turnover ratio
• Profitability ratio
• Solvency ratio

3. Time value of money

• The Future Value of a Single Cash Flow
• The Future Value of a Series of Cash Flows
• The Present Value of a Single Cash Flow
• The Present Value of a Series of Cash Flows

4. Capital budgeting

• Discounted Payback Period
• Payback Period
• Internal Rate of Return (IRR)
• Average Accounting Rate of Return (ARR)
• Net Present Value
• Profitability Index (PI)
• Investment Decision Criteria

5. RBI and the Foreign Exchange Market

• Role of Reserve Bank of India (RBI) in forex management.
• Latest RBI circulars

6. Risk Management

• Concept of Risk
• Risk Management Process
• Determination of Business Objectives
• Identification of Risks
• Measurement of Risk
• Types of risks
• Derivatives: Forwards, Futures, Swaps and Options
• Basics of Derivative Pricing and Valuation
• Forwards and Futures Valuation
• Forward Rate Agreements and Swap Valuation

7. Short-term Financing

• Working Capital Concepts
• Working Capital Issues
• Working Capital Cycle
• Aggressive and Conservative Approach
• Sources of Short-Term Financing

8. Long-Term Financing

• Considerations of Issuers and Investors
• Sources of Long-term Finance
• Merits and Demerits of:
• Retained Earnings
• Equity Capital
• Preference Capital
• Debenture Capital
• Term Loans

9. Money Markets

• Money Market
• Money Market Instruments
• Coupon Bearing Instruments
• Discount Instruments
• Risks involved in Money Market

10. Capital Markets

• Capital Markets
• Process, types of securities and parties involved
• Types of bonds
• Bond valuations
• Debt and Equity

11. Portfolio Management

• Portfolio Risk and Return
• Capital Allocation
• Optimal Portfolio
• Modern Portfolio Theory
• Performance Measurement

12. Acts Related to Banking   

• SARFAESI act (Most important)
• Banking regulations act
• Limited liability act
• Negotiable instruments act 

13. RBI Circulars

• In-depth analysis if last 9 months RBI circulars
• Most important – Priority sector lending, Urban co-operative banks, COVID measures, MSME

General Awareness with Special Reference to Banking Industry      

• Banking Reforms
• Regulatory Bodies in India- NABARD, SEBI etc.
• International Banking
• Latest circulars of RBI and SEBI
• Latest Updates in Financial & Capital Markets
• Financial Terms
• Banking Terms
• Latest Acts related to Banking
• Priority Sector Lending
• NPA - latest news
• SARFAESI Act
• RBI Monetary Policy
• Capital & Money Market Instrument
• Commercial Banks, NBFCs, HFC - Latest news
• Mergers and Acquisitions in Banking Companies
• Credit Rating and Agencies
• Payment Options- NEFT, RTGS, Bharat Bill payment etc.
• Complete List of Obituaries 2022
• Recently Appointed Brand Ambassadors List
• Monthly GK Digest
• Ministry of Cabinet Ministers
• Renamed Govt. Schemes, Cities, Airports & Railway Stations
• Indian Financial System
• Financial market instruments
• International reports and indices
• Important committees
• Foreign investment and trade
• Growth numbers by various organization
• Union budget
• Latest mergers and MOUs of banks and financial institutions
• Heads of various financial organizations
• Mutual Funds
• Basel Norms
• Regulatory organizations: SEBI/NABARD/RBI
• Joint Military Exercises of India
• List of Summits and Conferences
• India's Rankings in Different Indices
• List of Appointments in 2022
• List of Important Days With Themes
• List of MoUs signed by India in 2022
• Upcoming Sports Event From 2017-2023
• List of Sports Events & Winners – 2022
• Awards and Honours 2022