Kerala Bank Assistant Manager Syllabus 2024 : Download Expected Syllabus PDF

Kerala Bank offers a wide range of banking products and services to individuals, businesses, and societies. These include:

• Savings accounts: Kerala Bank offers a variety of savings accounts to suit different needs. Some of the popular savings accounts include the Regular Savings Account, the Salary Savings Account, and the Senior Citizen Savings Account.
• Current accounts: Kerala Bank offers current accounts to businesses and individuals who need to make frequent transactions.
• Loans: Kerala Bank offers a variety of loans to individuals and businesses. Some of the popular loans include personal loans, home loans, car loans, and gold loans.
• Deposits: Kerala Bank offers a variety of deposit schemes to help individuals and businesses grow their wealth. Some of the popular deposit schemes include fixed deposits, recurring deposits, and monthly income schemes.
• Investment products: Kerala Bank offers a variety of investment products to help individuals and businesses grow their wealth. Some of the popular investment products include mutual funds, bonds, and gold.
• Online banking: Kerala Bank offers online banking services to its customers. Customers can access their accounts, transfer funds, pay bills, and apply for loans online.
• Mobile banking: Kerala Bank offers mobile banking services to its customers. Customers can access their accounts, transfer funds, pay bills, and apply for loans through the Kerala Bank mobile app.

Kerala Bank is a member of the National Federation of State Co-operative Banks (NAFSCOB) and the International Co-operative Alliance (ICA).

Kerala Bank Assistant Manager Syllabus 2024 : Download Expected Syllabus PDF

Kerala State Cooperative Bank (KSCB) recently announced the recruitment of 200 Assistant Managers through its official website. Here’s a comprehensive overview of the recruitment process:

Important Dates:

• Application Start: October 30, 2023
• Last Date to Apply: November 29, 2023
• Exam Date: To be announced

Vacancies:

• General Category: 150
• Society Category: 50

Eligibility Criteria:

• Age: Minimum 21 years and maximum 30 years as on October 1, 2023
• Educational Qualification:
  • Degree (minimum 3 years) in any discipline from a recognized university or institution.
  • OR
  • A Diploma in Banking and Finance (DBF) or any other equivalent Diploma recognized by the University Grants Commission (UGC) from a recognized institution.
• Experience: Minimum 2 years experience in banking or financial services sector (Not required for DBF holders).
• Computer Proficiency: Working knowledge of MS Office and internet applications.

Selection Process:

The selection process will involve three stages:

1. Online Test: Objective type test covering Quantitative Aptitude, Reasoning Ability, English Language, Banking Awareness, and General Knowledge.
2. Interview: Shortlisted candidates will be called for an interview to assess their suitability for the post.
3. Medical Examination: Qualified candidates will have to undergo a medical examination.

Application Fee:

• General Category: ₹500
• Society Category: ₹250

How to Apply:

1. Visit the official website of Kerala PSC: http://www.keralapsc.gov.in
2. Click on the “One Time Registration” link.
3. Register yourself by providing the required details.
4. Login to your account.
5. Click on the “Apply Online” link for the Assistant Manager post.
6. Fill in the application form and upload the required documents.
7. Pay the application fee.
8. Submit the application form.

Kerala Bank Assistant Manager Syllabus 2024 Highlight

Name of the Authority	Kerala Public Service Commission (PSC)
Name of the Bank	Kerala Bank
Post Name	Assistant Manager
Total No of Vacancies (society+general)	200
Application Mode	Online
Exam Type	Written Examination
Scale {Per Month}	Rs. 24,060 – 69,610
Online Apply Start	30 October 2023
Online Apply Last Date	29 November 2023
Exam date	Updated Soon
Admit Card	Yet Not Published
Official Website	keralapsc.gov.in

Kerala Bank Assistant Manager Syllabus 2024

1.  THEORY & PRINCIPLES OF CO-OPERATION

 Concept of Collective Action and Co-operation, Co-operatives and other forms of business, Institutional values and Enterprise values of co-operation. Evolution of Cooperation: Ancient forms of co-operation, pioneers of cooperative movement-Robert Owen, Rochdale Pioneers, Raiffeisen, Schultze, Wollemburg and Luzzati. Evolution of principles of cooperation: Rochdale principles, ICA principles, Statement on co-operative identity: Definition, values and principles – Voluntary and open Membership, Democratic Member Control, Member Economic Participation, Autonomy and independence, Cooperative Education, Training and Information, Co-operation among Cooperatives, Concern for Community. History and Development of Cooperative movement in India: Pre and post independence period developments, Overview of Co-operatives in Kerala, Co-operatives and Sustainable Development Goals(SDGs), ICA Blueprint for a co-operative decade.

2.  CO-OPERATIVE LEGAL SYSTEM

 History of co-operative legislations in India: Co-operative Credit Societies Act1904-essential features, Co-operative Societies Act 1912-essential features. Special features of Report of the Committee on Model Co-operative Societies Act 1991.Multistate Co-operative Societies Act 2002- objects ,need, application, registration, rights and liabilities of members, management, audit, inquiry and winding up. 97th Constitutional Amendment Act 2011- Historical Perspective. History of co-operative legislations in Kerala. Important provisions of Kerala Cooperative Societies Act and Rules 1969 : Registration, Amendment of bye-laws, amalgamation and division, Members Rights and liabilities. Management of societies: general body, representative general body, committee, election, supersession. Properties and funds of cooperative societies, Disposal of net profit, Investments, Audit, Inquiry, supervision and inspection, Settlement of disputes, winding up and dissolution of co-operative societies.

Organizational structure of Department of Co-operation and Directorate of Co-operative Audit. Functional Registrars. ILO Resolution 193-Recommendation concerning Promotion of Cooperatives.

3.  CO-OPERATIVE BANKING IN INDIA

 Co-operative banking structure in India, classification and need for agricultural credit, Organizations under short term and medium term credit structure – Primary Agricultural Credit Societies (PACS), District Cooperative Banks (DCB), State Cooperative Bank (SCB) – objectives, functions, resources, lending operations. Organizations under long term credit structure – need for long term finance, need for separate agency. Primary Co-operative Agricultural and Rural Development Banks (PCARDB), State Cooperative Agricultural and Rural Development Banks (SCARDB) – objectives, functions, resources, loan operations.

Urban Co-operative Banks in India – evolution, objectives, functions, structure, resources, loan operations. Employees Credit Societies – objectives, functions, resources, loan operations. Role of national federations: National Federation of State Cooperative Banks Ltd. (NAFSCOB), National Federation of Urban Cooperative Banks and Credit Societies Ltd. (NAFCUB),

National Co-operative Agricultural & Rural Development Banks Fed. Ltd. (NCARDBF), Role of NABARD in co-operative credit.

4.  MANAGEMENT OF AGRI-BUSINESS CO-OPERATIVES

 Co-operative Management : concept, meaning, definition, unique features. Management structure: General body- BOD- President- Secretary. Concept of agri-business, need, significance and types of agri-business co-operatives. Dairy co-operatives: history, Operation Flood Programmes, National Dairy Plan, types, objectives & structure of Dairy Cooperatives. Processing Co-operatives: need, objectives and functions. Marketing Co-operatives: importance, objectives, functions and types. Structure and special features of other types of cooperatives : Fisheries Co-operatives, Weavers Co-operatives, Coir Cooperatives. Role of state federations, national federations and other promotional agencies promoting agri-business cooperatives: MARKETFED, KERAFED, RUBBERMARK, KCMMF, NAFED, NCDC,

NCDFI, NDDB, IFFCO, KRIBHCO.

5.  CO-OPERATIVE ACCOUNTING

 Introduction concepts and conventions of accounting. Meaning and Definition of Book keeping. Double entry system of bookkeeping. Practical system of Accounting. Bank reconciliation statement. Concepts of Capital and Revenue. Preparation of trial balance and preparation of Final accounts. Depreciation accounting – Methods of depreciation. Indian Accounting Standards, Co-operative Accounting-meaning and scope, Salient Features, Cooperative Accounting Vs Double Entry and Single Entry System. Books and registers maintained by co-operative societies- daybook, ledgers. R & D Statement, Final Accounts.

6.  CO-OPERATIVE AUDIT

 Audit : meaning, definition and objectives. Difference between audit and accounting. Types of audit. Co-operative Audit: definition, features and objectives. Difference between co-operative audit and general audit, financial audit and administrative audit. Internal control, internal check and internal audit, audit memorandum, levy of audit fees, powers of co-operative auditor, procedures of audit, directorate of co-operative audit. Stages of audit work: audit programme, vouching, routine checking, verification and valuation of assets and liabilities, assets classification, reserves and provisions. Audit classification and Audit Certificate.

7.  BANKING LAW & PRACTICE

 Banking Legislation in India: Banking Companies Act, 1949 – Banking Regulation Act, 1949- objectives, important provisions: definitions – banking, banking company, approved securities, Demand and Time Liabilities; permitted and prohibited business of a banking company; capital requirements; maintenance of liquid assets; powers of the RBI – cash reserve, licensing of banking companies. Branch Licensing, Branch Authorisation Policy for Commercial Banks, Setting Up of a New Bank, New Bank Licensing Policy, 2013. Banker and Customer: general and special relationship between a banker and customer; obligations of banker. Banking Ombudsman. Types of customers. operation and closing of different types of bank accounts. New types of accounts – flexi deposits, tailor made schemes, special types of bank customers. Accounts of Non Resident Indians. Regulations regarding KYC/AML. Law relating to Negotiable Instruments: characteristics of negotiability, types, negotiation and assignment , endorsement; crossing of cheques; collecting banker – legal status – statutory protection– duties; paying banker –dishonor of cheques, statutory protection, payment in due course, holder and holder in due course. Lien, pledge, mortgages, hypothecation, guarantee and indemnity, co-obligant, Digital Banking- ATM card, Debit card, credit card, mobile banking, internet Banking

8.  FINANCIAL MANAGEMENT

 Introduction to financial management. Functions of a finance manager. Time value of money. Financial forecasting. Capital budgeting decisions and techniques. Sources of Long Term finance. Cost of Capital. Capital structure: importance, factors influencing, features of an optimal capital structure, theories of capital structure – Net Income Approach, Net Operating Income Approach, Miller and Modigliani Approach. Leverage: leverage in financial context, measures of leverage. Dividend policy: Dividend decision, theories of dividend policy – Traditional Approach, Walter Model, Gordon’s Dividend Capitalisation Model, Miller Modigliani Model, Rational Expectation Model. Estimation of Working Capital Requirements: Concept, factors affecting the working capital, operating cycle approach, criteria for evaluation of working capital management. Inventory Management: nature, role, purpose, types, costs, inventory management techniques. Receivables Management: purpose and cost of maintaining receivables, credit policy, credit granting decisions, monitoring receivables.

Cash management: liquidity – profitability trade off, need and objectives, cash budget, factors for efficient cash management.

9.  MARKETING MANAGEMENT

 Marketing – Definitions and Concepts. Roles of Marketing managers. Market segmentation, Targeting and Positioning. Market structure, Conduct and Performance. Types of Marketing Marketing Management- Meaning and Importance of Marketing Management. Elements of Marketing Management process, Marketing environment marketing management policy and planning. 4 P’s of marketing mix, Product, Price, Promotion and Physical distribution.

Developing marketing strategies –Product strategies Pricing strategies Marketing communication strategies and Channel management strategies. Social, Ethical and Ecological issues in Marketing.

10.  HUMAN RESOURCE MANAGEMENT

 Human Resource Management – meaning ,definition and importance. Acquisition of human resource – human resource planning, job analysis, recruitment, selection process and devices. Development of human resources – training need assessment, employee training and management development, career planning and development. Motivation of human resources –

concept, meaning, motivational theories. Performance appraisal methods and techniques. Rewards – types and criteria. Maintenance of human resources – compensation administration, benefits and services, disciplining employees, safety and health. Co-operative education, training and information-identification of education, training and information needs in cooperatives – Institutional arrangement for co-operative training and development – NCUI,