This book discusses the essential role of Business Correspondents (BCs) and Business Facilitators (BFs) in transforming India's rural economy. The book outlines a comprehensive approach towards financial inclusion, targeting unbanked communities and unpenetrated geographies. It emphasizes the importance of the BC/BF model in providing vital banking services to those previously excluded and in areas devoid of bank branches. This book has been developed under the guidance of the Indian Banks' Association (IBA) and the Reserve Bank of India (RBI). It adopts a modular approach, ensuring a coherent and logical flow of content across its four modules, which are as follows: • General Banking • Financial Inclusion and Role of Business Correspondents • Technical Skills • Soft Skills and Behavioural Aspects It is an invaluable resource for practising bankers and institutions seeking a deeper understanding of financial inclusion, the BC/BF model, and the certification aspirants. The Present Publication is the 2024 Edition, revised and updated by Mr K.S. Padamnabhan | Retd. CGM – NABARD. Taxmann exclusively publishes this book for the Indian Institute of Banking and Finance with the following noteworthy features: • [Economic Significance] Emphasizes the role of the BC/BF model in supporting India's rural economy by connecting unbanked populations with banking services • [Objective of BC/BF Model] Explains the purpose of the BC/BF model in reaching excluded individuals and offering banking services in areas without bank branches • [Operational Risks and Skill Requirements] Discusses the operational and reputational risks involved for banks in engaging BCs and the necessary skill sets required for effective performance The detailed contents of this book are as follows: • Module A – General Banking o Structure of Indian Banking and types of banks o Deposit schemes and other banking services o Account opening procedures and KYC mechanisms o Grievance redressal and the Integrated Ombudsman Scheme • Module B – Financial Inclusion and Role of Business Correspondents o Concept and need for financial inclusion o BC and BF model as a vehicle for financial inclusion o Risk and fraud management in the BC/BF context o Government schemes like PMJDY, PMJJBY, PMSBY, and APY • Module C – Technical Skills o Basic technical skills for handling various banking devices and connectivity issues o Overview of digital banking products • Module D – Soft Skills and Behavioural Aspects o Importance of communication and financial counselling o Strategies for dealing with different types of customers

1. The book deals with Preliminary Examination of IBPS RRBs CWE- IX Officer Scale 1 2. Carries Previous years’ solved papers (2020-2016) 3. Study material is provided for Numerical and Reasoning Ability sections 4. More than 2500 objective questions are provided for revision of concepts 5. 30 Practice Sets are provided for thorough practice This Year, The Institute of Banking Personnel Selection (IBPS) has introduced more than 12000 vacancies for the posts of RRB Office Assistant and Officer Scale-I, II & III. The revised vacancies for IBPS RRB Office Assistants (Multipurpose) and Officer Scale I is 6888 and 4716 respectively. Be exam ready with a complete practice workbook of “IBPS RRB CRP – X Office Assistant (Multipurpose) & Officer Scale – 30 Practice Sets” which is a prepared for the upcoming Online Preliminary Exam of IBPS RRBs CRPs-X. Apart from 30 practice sets, this book has more than 2500 Objective Questions for quick revision of concepts, previous Years’ Solved papers (2020-2016) are provide in the beginning to give the complete idea of the question paper pattern. Lastly, special study material are provided that will ultimately develop the basics of the subjects. This book proves to be a best tool for the self assessment for climbing two steps closer to success. TOC Solved Paper [2020-2016], Reasoning Ability, Numerical Ability, Practice Sets (1-30).

Letters of Credit: Theory and Practice explains in simple English all the important information you’ll ever need on letters of credit (LC). This book provides extensive, easy-to-understand, practical and useful suggestions to help during negotiations, in selecting the right terms of payment, improving operations, reducing errors and risks, facilitating trade and final settlement, and much more. It is extensively researched, delving deep into the subject of international trade, presenting current issues and solutions related to LCs that the reader may not otherwise come across easily. A gold mine of information on payment risk management, it’s the last word on documentary credits. “This book is a great read for knowledge and practical information on letters of credit. It succinctly takes the reader through the concepts of risk management, explains the fundamentals of global trade finance issues, the dilemmas plaguing international sellers and buyers, and standardised ways for the buyer and the seller to secure goods and make payments, respectively. This is a must-read book for academicians, exporters, importers and bankers looking for complete, authentic information on international trade finance and global business.” - Dr. Deepankar Sinha, Professor; Head - Research Division, Kolkata Campus; Programme Director - Centre for Trade and Logistics (CFTL), Kolkata Campus, Indian Institute of Foreign Trade (IIFT)

This comprehensive book is specially developed for the candidates of IDBI/SIDBI: Assistant Manager/Executive Examination. This book includes Previous Years Papers (Solved) & Study Material for the purpose of practice of questions based on the latest pattern of the examination. Detailed Explanatory Answers have also been provided for the selected questions for Better Understanding of the Candidates

1. Book prepares for both SBI Clerical Cadre Preliminary & Mains Examination 2. The prep guide provides 25 Solved Papers for complete preparation. 3. Each paper is provided with authentic and detailed solutions, Every year, the State Bank of India, conducts the SBI Clerk Exam to recruit candidates for the post of Junior Associates (Customer Support and Sales). The selection of candidates is done on the basis of the prelims and mains exam. The updated edition of ‘SBI Clerical Cadre Junior Associates Pre & Mains Exams 25+ Solved Papers’ has been carefully revised for the candidates to make them competition ready. Every Solved Paper that is given in this book is supported with authentic and detailed solutions that enhance the level of learning. Packed with ample number of questions, it is a must-have for anyone appearing for the upcoming SBI Clerical Exam 2020. TOC: Solved Papers (1-25).

Retail Banking has become a very important component in the business mix of banks. Retail Banking offers multiple comfort factors for banks to do business. Large and divergent customer base across income segments offers huge scope for banks to develop and