______ is the process of conveying a false impression or misleading information about how a company‟s products are environmentally sound. It involves making misleading, unsubstantiated, or otherwise incomplete claims about the sustainability of a product, service, or business operation

As per the Annual Report and accounts of the Reserve Bank for the accounting year 2022-23, RBI has maintained the contingency risk buffer 50 basis points higher at _____ per cent for the yea

_________ refers to any wire transfer where the ordering financial institution and beneficiary financial institution are located in different countries. This term also refers to any chain of wire transfer in which at least one of the financial institutions involved is located in a different country

Starting from May 1, 2023, businesses with an annual turnover of Rs. ____ crore or more will be required to abide by a new GST rule. This rule mandates the uploading of electronic invoices on the Invoice Registration Portal (IRP) within _____days of their issue

To reduce the burden on debt recovery tribunals (DRTs), the finance ministry has asked public sector banks (PSBs) to go for one time settlement (OTS) of loan default cases ranging between Rs 20 lakh and Rs. _________, with the mutual consent of borrowers

Government has capped the amount of interest subvention at Rs. ____ crore per IEC (import-export code) holder in one financial year. Exporters get subsidies under the 'Interest Equalisation Scheme for pre and post-shipment Rupee Export Credit'. All disbursements made from April 1, 2023, shall be counted for an IEC for the current financial year. The interest equalisation rates under the scheme have been revised to 2%. (3% for specified categories of MSME manufacturer exporters)

The Finance Ministry has issued a notification stating that businesses with a turnover of Rs. ____ crore or more will be required to adopt e-invoicing from August 1, whereas the current threshold stands at Rs.10 crore

From July 1, 2023, individuals conducting international transactions using debit or credit cards up to Rs. _____ lakh, will be exempted from the 20 percent TCS levy. This exemption will also exclude these transactions from the LRS limit of $250,000 per annum

As per new invoicing rule of GST, from May 01 2023, every assesses with a turnover of Rs.100 crore or more is prohibited from reporting invoices that are more than ________ days old on the date of reporting. This comes in response to the current rules that allowed businesses to upload such invoices on Invoice Registration Portal on the current date, irrespective of the date of issue

TheReserve Bank has launched a Financial Inclusion Dashboard named, ______to provide the required insight to assess and monitor the progress of financial inclusion by capturing relevant parameters

To measure the extent of financial inclusion, RBI had constructed the Financial Inclusion (FI) Index in 2021, based on which dimensions of financial inclusion (select all apply)

The dashboard, ‘ANTARDRISHTI’ presently intended for internal use in the RBI, will further facilitate greater financial inclusion through a __________ approach

RBI has embarked on a major change in its information management framework for handling the massive data flow, aggregation, analysis, public dissemination and data governance following the launch of its

RBI has decided that Scheduled Commercial Banks (excluding Small Finance Banks and Payment Banks) may set __________ for borrowing in Call and Notice Money Markets.

As per revised guidelines of CBDT, TDS would apply to the Mahila Samman Savings Scheme, only when the interest received from the Post office savings scheme in a financial year is more than ______ or ________ (in the case of senior citizens)

The IRDAI has granted life insurance business licence to ______ which is one of the first non-life insurers in India to be fully operated on the cloud and has developed application programming interface (API) integrations with several channel partners

First Loss Default Guarantee (FLDG) now referred to as _________ is an industry practice of offering financial products involving contractual agreements in which a third party guarantees to compensate up to a certain percentage of default in a loan portfolio of the Regulated Entity (RE)specified upfront

Banks (Regulated entity – RE ) accept Default Loss Guarantee (DLG) in which of the following forms (select all that apply)

Under Sovereign Gold Bonds scheme, the issue price of the SGBs will be less by _____ rupees per gram for the investors who subscribe online and pay through digital mode

Which are the guarantees which not to be covered within Default Loss Guarantee (DLG) (Select all that apply)

RBI has issued the revised guidelines on the Minimum Capital Requirement for commercial banks to hold sufficient regulatory capital against their exposures arising from Operational Risks. It would cover the risk of loss resulting from inadequate or failed internal processes, people and systems or from external events. While legal risks would form part of operational risks, the _______ and ________ risks are excluded from the ambit of calculating capital requirements.

As per the extant guidelines, for measuring minimum operational risk capital (ORC) requirements, the approaches are: Basic Indicator Approach (BIA); The Standardised Approach (TSA) / Alternative Standardised Approach (ASA), and Advanced Measurement Approach (AMA). As per the revised guidelines, these three approaches shall be replaced by the new ____________

New Basel III Standardised Approach (Basel III SA) calculation methodology is based on three components. The first two are the Business Indicator (BI) and the Business Indicator Component (BIC). The third component is ________________

What was India‟s score in the United Nations Economic and Social Commission for Asia Pacific‟s (UNESCAP) global survey on digital and sustainable trade facilitation in 2023?

How often is the UN Global Survey on Digital and Sustainable Trade Facilitation conducted?

Institute of Chartered Accountants of India (ICAI) and the Indian Banks‟ Association (IBA) is setting up a common platform for balance confirmations in respect of accounts receivables, accounts payables, bank balances, loans, investments or inventories held by third parties, etc., which is aimed at providing more transparency, efficiency and reducing auditing costs for chartered accountants and banks. The platform will be developed and maintained by _________, which will work with the Institute for Development and Research in Banking Technology (IDRBT)

Which international lender has secured the top spot in the 2023 Forbes Global 2000 list?

In view the benefits for users and beneficiaries alike, RBI has proposed to expand the scope and reach of e-RUPI vouchers by permitting _________ to issue eRUPI vouchers and enabling issuance of e-RUPI vouchers on behalf of individuals

To enhance efficiency of the system and also to encourage greater participation, Bharat Bill Payment System (BBPS), the scope of BBPS has been expanded to include all categories of payments and collections, both recurring and non-recurring in nature, as well as facilitating ____________ bill payments

RBI has allowed remittances under liberalised remittance scheme (LRS) for payments of ___________ in International Financial Services Centres (IFSCs). Presently, remittances to IFSCs under liberalised remittance scheme (LRS) can be made only for making investments in securities

In light of the cessation of the publication/non- representativeness of US Dollar London Interbank Offered Rate (USD LIBOR) settings after June 30, 2023, FBIL has been accorded approval to cease the publication of the ____________ after June 30, 2023.

Uptill now, there was no specific framework available for technology/digital platforms to provide _________ services in direct plans of mutual fund schemes. The Securities & Exchange Board of India has now made it compulsory for _________ to get registered with the regulators and barred them from offering regular plans of mutual funds schemes as part of the new regulatory framework introduced for such platforms for direct mutual fund investing

As per the recent SEBI circular, no entity would be allowed to operate as an EOP without obtaining registration from _____________

SEBI has issued guidelines for Alternative Investment Funds (AIFs) to transfer assets not sold during the winding- up process to a new liquidation scheme or distribute such unliquidated investments in-specie, subject to a ____ consent by value of investors in each case

To curb volatility in small cap counters, BSE and NSE have put in place an enhanced surveillance mechanism for companies that have a market cap of less than Rs. ____ crore.

Global Alliance for Mass Entrepreneurship (GAME), a mass entrepreneurship enablement platform and Small Industries Development Bank of India (SIDBI), announced their joint partnership to launch the _______.

GAME program aims to handhold smaller NBFCs that have at least ___ % of exposure to MSMEs

The Central Govt. has launched a new collection of courses called _______; on the iGOTKarmayogi Platform - a government-owned not-for-profit special purpose vehicle, to steer the mission‟s fundamental goals

Full form of Dakshta is ________

International Micro, Small, and Medium Enterprises (MSME) Day or World MSME Day is observed every year on _____ all over the world to highlight the significance of MSMEs

During current FY ICRR (incremental cash reserve ratio ) was introduced by RBI to tighten liquidity in near term. Accordingly ICRR was to be maintained at least __ % of its NDTL on reporting Friday of preceding fortnight

RBI had launched portal named ____ for unclaimed deposits

Full form of UDGAM is ____

What is the start up guidelines for technical textiles recently approved by Ministry of Textiles

The start up guidelines for technical texiltes by Ministyr of textiles provides grant in aid of Rs. ___ under National technical textiles mission

The Government of India has approved a Digital Communication Framework to address loan defaults exceeding Rs. ____ crore between the Banks and Central Economic Intelligence Bureau (CEIB), which is a significant move towards strengthening communication channels between banks and the CEIB

Under the Digital Communication Framework, the CEIB will send digital reports to public sector banks within ____ days of a loan request at the pre-approval stage.

An Inter-Departmental Group (IDG) of the RBI was formed under the chairmanship of Sh.__________, it’s Executive Director to examine the internationalisation of INR in December 2021

With the objective of the development of the corporate bond market from the perspective of mutual funds, SEBI has allowed asset management companies to participate in _____ on Commercial Papers (CPs) and Certificate of Deposits (CDs)

In order to avoid delays in the issuance of refunds, an income tax assessee will get _____ days to respond to notices issued by the Central Processing Centre (CPC) regarding set-off and withholding of refund

The NSE IFSC-SGX Connect, unveiled the new identity of ________, which has replaced the existing SGX Nifty Futures & Options contracts from July 3, 2023 after a switch from Singapore Exchange (SGX) to Gujarat International Finance Tec-City - GIFT IFSC in GIFT City, Gandhinagar.

An IDF-NBFC means a non-deposit taking NBFC which is permitted to (i) refinance post commencement operations date (COD) infrastructure projects that have completed at least _____ of satisfactory commercial operations; and (ii) finance toll operate transfer (TOT) projects as the direct lender

With a view to facilitate better asset-liability management (ALM), IDF-NBFCs can raise funds through shorter tenor bonds and commercial papers (CPs) from the domestic market to the extent of up to ____ per cent of their total outstanding borrowings

RBI platform which will focus on public tech will start with KCC loans upto Rs. Lacs per borrower

PM Vishwakarma will be implemented as a Central Sector Scheme, fully funded by the Government, with an initial outlay of Rs. _________ crore

As per PM Vishwakarma scheme, the beneficiaries will be provided with 40 hours basic training of 5-7 days and advanced training of 15 days or more, with a stipend of:

As per PM Vishwakarma scheme, collateral free Enterprise Development Loans of upto ______will be provided by Banks. (select all that apply)

The Finance Ministry has notified changes in the Prevention of Money Laundering (Maintenance of Records) Rules, 2005. Accordingly, a person having ownership of more than ____% of the capital or profits of a partnership will be brought within the ambit of the sub-rule 3 as a „beneficial owner‟. Similarly, a person, who does not have any ownership or entitlement to more than ____% of capital or profits of the partnership but exercises control over the partnership through other means, will be treated as a beneficial owner.

Under PM Vishwakarma scheme, loan will be extended at a concessional rate of interest fixed at ___%, with Government of India subvention to the extent of ___%

Under PM Vishwakarma scheme, incentive of Rs. _____ per digital transaction, upto maximum _____transactions monthly will be credited to the beneficiary„s account for each digital pay-out or receipt

RBI had structured a common ______ for assessing the quality of data submissions by Credit Institutions (CIs) to Credit Information Companies (CICs) and improving the same over a period of time

RBI had constructed a composite ______ to capture the extent of financial inclusion across the country

In the Statement on Developmental and Regulatory Policies dated April 06, 2023, RBI had proposed expanding the scope of UPI by enabling transfer to / from pre-sanctioned credit lines at banks. Which of the statement is correct (select all that apply)

______ is a facility that allows different arms of the government and centres to borrow from the RBI.

RBI had announced the withdrawal of Rs. 2000 banknotes from circulation. RBI has now advised that w.e.f Oct. 08, 2023, the procedure for exchange of Rs.2000 banknotes. Which of the following is part of the procedure (Select all that apply)

What is RoDTEP scheme with respect to foreign trade policy

Ways and Means Advances (WMA) for Govt of India for the second half of the financial year 2023-24 (October 2023 to March 2024 ) will be Rs.______crore

has decided to include India in its emerging market debt index - part of the Government Bond Index-Emerging Markets (GBI-EM)

The _______ has recently listed the country‟s first social impact bond at Bombay Stock Exchange (BSE)

With the Standing Deposit Facility (SDF) at 6.25 per cent, the policy repo rate being at 6.50 per cent and the MSF rate at 6.75%, the width of the LAF corridor is of _____ bps

RBI has directed all Private Sector Banks (excluding Payment Banks and Local Area Banks) and Wholly-Owned Subsidiaries of Foreign Banks, to ensure the presence of at least _____ Whole Time Directors (WTDs), including the MD&CEO, on their Boards

RBI has advised that all domestic term deposits accepted from individuals for amount of Rupees _____ crore and below shall have premature withdrawal-facility

RBI has announced rate of interest on government of India floating rate bond 2034 at:

RBI has announced rate of interest on government of India floating rate bond 2028 at

UDGAM portal covers around ___of unclaimed deposits (in value) in DEAF fund

RBI has recently amended few of provisions in its master directions on KYC- AML norms applicable to banks and financial institutions. Which of the following is correct w.r.t the amendments (select all that are applicable)

Banks shall classify their entire investment portfolio (select all that apply) (except investments in their own subsidiaries, joint ventures and associates) under following categories

LLPs have to maintain register of partners with details of beneficial interests & both tangible & intangible contributions within ___ days of incorporation

Central Vigilance Commission observed Vigilance Awareness Week 2023 with theme

EASE 5.0 is based on which of the following themes (select all tha apply)

Which of the following digitally enabled offerings actions points are newly added in EASE 5.0? (select all that apply)

EASE 5.0 envisions long term reforms with ___ year horizon

EASE 5.0. is based on how many themes?

Under action point of EASE 5.0 which of the following are the examples of the open API banking for integration with new age businesses

Under theme of ___ In EASE 5.0 action point of deepening financial inclusion in rural areas Is covered

Overvie of EASE 6.0 reform agenda includes which of the following ? (Select all that apply)

Hassle free branch experience Is action point of which EASE agenda?

Under RBI direct scheme individual investors can open ___ accounts with RBI

Which of the retail investors can open account under RBI direct scheme? (select all that apply)

Retail investors in RBI direct scheme can do which of the following (select all that apply)

What is TREP full form with respect to money market ?

What is the tenor of Notice money market?

What is the minimum denomination of commercial paper?

Whichof the following are the members of FIMMDA? (Select all that apply)

What is the maturity period of cash management bills?

The decisions of MPC meeting are in consonance with the objective of achieving the medium-term target for consumer price index (CPI) inflation of __ per cent within a band of +/- 2 per cent, while supporting growth

The Marginal Standing Facility rate and the Bank Rate are calibrated to 25 bps above the repo rate. The Bank Rate thus has been retained at _____per cent

RBI has introduced PCA Framework for NBFCs on December 14, 2021. The Framework has since been reviewed and RBI has decided to extend the same to ____

The Centre has notified an amendment to the Prevention of Money laundering (Maintenance of Records) Rules, 2005, in case of international transactions above ____ to prevent terror financing and same will be subject to closer scrutiny and a reporting entity will have to identify clients, verify their identity and also ascertain purpose of the business

As per the amendment the beneficial owner in a partnership firm shall be the natural person(s), who, whether acting alone or together, or through one or more juridical person, has/have ownership of/entitlement to more than ____ percent of capital or profits of the partnership or who exercises control through other means. Previously it was ___ percent

New non-bank providing Payment Aggregators-Cross Border services (PA-CBs) (i.e. entities which have not commenced operations as on Oct. 31, 2023, shall have a minimum networth of Rs. _____ crore at the time of submitting application to the RBI for authorisation and shall attain a minimum networth of Rs. _____ crore by end of the third financial year of grant of authorisation

PM Vishwakarma scheme will be initially implemented for a period up to_________

Data Quality Index (DQI) scores for Commercial and Microfinance segments shall be provided at Credit Institutions (CI) and file level. The DQI scores for Commercial and Microfinance segments at CI level shall be computed as _________ of commercial and microfinance segment respectively of that CI

Credit Institutions (CI) to undertake _________ review of the DQI for all segments to improve the quality of the data being submitted to CICs

As per the revised guidelines in the Prevention of Money Laundering (Maintenance of Records) Rules, 2005 where the client is a trust, a reporting entity will be required to ensure that trustees disclose their status at the time of commencement of an account-based relationship or when carrying out any transaction of an amount equal to or exceeding Rs._____, whether conducted as a single transaction or several transactions that appear to be connected or any international money transfer operations

As per the revised guidelines in the Prevention of Money Laundering (Maintenance of Records) Rules, 2005, reporting entities will be required to keep records containing analysis of transactions and client due diligence for a period of _____ years after the business relationship with the client had ended or the account has been closed, whichever is later

Which of the followng are key provisions of Data protection bill 2023 ? (Select all that aplly)

Government of India has recently approved interest rate of _______ percent as recommended by the Central Board of Trustees of the Employees Provident Fund Organisation (EPFO) for its subscribers for the financial year 2022-23. There is a hike in the EPF account interest rate by 0.05% compared to previous year

In order to avoid delays in the issuance of refunds, an income tax assessee will get _____ days to respond to notices issued by the Central Processing Centre (CPC) regarding set-off and withholding of refund

On a review of the practices followed by REs for charging penal interest/charges on loans, RBI has issued directions to the banks which shall come into effect from Jan. 1, 2024. Which of the following is/are part of the directions (select all that apply)

The exposure limits for IDF-NBFCs shall be ____% of their Tier 1 capital for single borrower/ party and ____% of their Tier 1 capital for single group of borrowers/ parties

Operation „Broader Sword‟ aimed to prevent the shipment of which of the following items?

The Financially Sound and Well Managed (FSWM) Urban Co-operative Banks are permitted to open new branches up to 10% of the number of full-fledged branches (at the end of previous financial year) in a financial year, subject to a maximum of ______ branches without having the need to take permission from RBI

As per RBI guidelines on compromise settlement, Compromise settlements where the time for payment of the agreed settlement amount exceeds a period of ____ months shall be treated as restructuring.

In respect of borrowers subject to compromise settlements, there shall be a „cooling period‟ as determined by the respective Board approved policies before the Regulated Entities can assume fresh exposures to such borrowers, provided that the cooling period in respect of exposures other than farm credit exposures shall be subject to a floor of ____ months

TReDs is an electronic platform for financing trade receivables which facilitates the discounting o

Which of the following companyis not registered for operating as a TReDs platform

To realise the vision of ____and to strengthen 1,514 Urban Co-operative Banks (UCBs) in the country, RBI has notified four important initiatives namely:a) Urban Cooperative Banks (UCBs) can now open new branches; b) UCBs can also do One Time Settlement at par with Commercial Banks; c)Revised timelines for PSL targets given to UCBs; and d)Designating a Nodal Officer in RBI

As per revised guidelines of CBDT, TDS would apply to the MSSC Scheme, only when the interest received from the Post office savings scheme in a financial year is more than ______ or ________ (in the case of senior citizens).

As per RBI guidelines on Compromise Settlements & Technical Write offs, there shall be a reporting mechanism to the next higher authority, at least on a _____ basis, with respect to compromise settlements and technical write offs approved by a particular authority

Banks shall ensure that total amount of Default Loss Guarantee (DLG) cover on any outstanding portfolio which is specified upfront shall not exceed _____ per cent of the amount of that loan portfolio. In case of implicit guarantee arrangements, the DLG Provider shall not bear performance risk of more than the equivalent amount of five per cent of the underlying loan portfolio.

Under Sovereign Gold Bonds scheme, the investors will be compensated at a fixed rate of ____ percent per annum payable semi-annually on the nominal value

As per Digital Lending guidelines, a borrower shall be given an explicit option to exit digital loan by paying the principal and the proportionate APR without any penalty during this period. The cooling off period shall be determined by the Board of the RE. The period so determined shall not be less than ______ days for loans having tenor of seven days or more and ______ day for loans having tenor of less than seven days. For borrowers continuing with the loan even after look-up period, pre-payment shall continue to be allowed as per extant RBI guidelines

As per Reserve Bank of India glide path, all legal entities, including Private Limited, LLP, Partnership, and Proprietorship, with a total exposure of Rs. ____ crore and above must have an Legal Entity Identifier (LEI) code on or before 30th April, 2023. Further, RBI has given a time frame as per which by the end of 30th April, 2025, it will also be mandatory for entities having Rs. _____ crores and above exposure to obtain LEI code

India‟s goal of achieving the net zero target by ____ would require an accelerated reduction in the energy intensity of GDP by around ____ per cent annually and a significant improvement in its energy-mix in favour of renewables to around 80 per cent by 2070-71

The Reserve Bank of India has informed all financial institutions including banks and NBFCs to treat ___________ not covered under the Goods and Services Tax (GST) regime or exempted from the CGST Act, 2017, but having the Udyam Assist Certificate (UAC) as micro enterprises for classification under the priority sector lending (PSL) norms

Under Credit Guarantee Fund Trust for Animal Husbandry and Dairying (CGFT-AHD), the Annual Guarantee Fee (AGF) shall be charged @ ______% p.a. on the sanctioned amount of credit facility for the first year and on the outstanding amount of credit facility for the remaining tenure of the guarantee.

RBI has revised Guidelines for Appointment / Re- appointment of Statutory Branch Auditors of Public Sector Banks and norms on Business Coverage under Statutory Branch Audit of Public Sector Banks. RBI has decided to grant general permission to PSBs for appointment / reappointment of BAs subject to the stipulated requirements. Which of the following are the requirements stipulated by RBI (Select all that apply)

The maximum amount of eligible credit facilities for guarantee cover under Credit Guarantee scheme for Co-Lending of CGTMSE in case of credit facility secured is not exceeding Rs._____ lakh and not exceeding Rs. ______ lakh in case of unsecured credit facility

In case the individiual receiving the money has not filed income tax return for three years immediately preceding the year, then the TDS is 2% on the cash payments/withdrawals of more than Rs. ____ lakh and up to Rs 1 crore, and ____% for withdrawal exceeding Rs 1 crore

Net Owned Fund (NOF) for ARCs shall be minimum of Rs. _____ crore on an ongoing basis

Under Positive Pay system for high value clearing, NPCI shall enable it for all account holders issuing cheques for amounts of Rs._____and above at the discretion of the account holder and banks may consider making it mandatory in case of cheques for amounts of Rs._____ and above

The Regulated Entity may, aggrieved by an award passed by the Ombudsman or closure of a complaint within ______days of the date of receipt of communication of Award or closure of the complaint, prefer an appeal before the Appellate Authority. The period of _______days for filing an appeal shall commence from the date on which the Regulated Entity receives the letter of acceptance of Award by the complainant.

Under COPRA, the Pecuniary Jurisdiction in case of Distt. Forum is up to Rs. ___ lakh:

Under PMEGP scheme, the maximum subsidy for up gradation of existing units will be _______ (Rs.20.00 Lakhs in case of NE States & Hilly areas) for manufacturing sector and Rs.3.75 Lakhs (Rs.5.00 Lakhs in case of NE States & Hilly areas) for Business/service sector

What is the maximum limit of CGFMU guarantee cover for loans to SHGs?

As per The Banking Companies (Period of Preservation of Records) Rules, 1985, every banking company shall preserve, its books, accounts, ledgers, cash books, vouchers etc to a period of not less than __years immediately preceding the current calendar year.

Under Agriculture Infrastructure Fund scheme, in case, one eligible entity puts up projects in different locations then all such projects will be eligible under the scheme for loan upto Rs. 2 crore. However, there will be a limit of maximum of ____number of such projects.

Under RBI's UDGAM portal if a customer finds his unclaimed deposits he/she should contact the branch along with ______

As per our banks directions on "usage & classification of emails through corporate messaging services" which of the following is NOT a information confidentiality classification attribute:

At present UDGAM Gateway to access information prortal of RBI supports search facility for __ banks

The GIFT IFSC is a special economic zone (SEZ) located in Indian state of gujarat, which was set up to promote internation financial services. What is the full form of IFSC?

The Reserve Bank of India in November 2023 superseded the Board of Directors of ____ for a period of 12 months due to certain material concerns emanating from poor governance standards observed in bank

The RBI bulletin of November 2023 includes a speech themed "Towards a greener cleaner India". Which of the following dignitary is the orator /speaker of said speech

The RBI has recently announced increase in the risk weights for exposures of SCBs to NBFCs. Which of the following is NOT correct?

The RBI has increased the risk weight applicable for SCBs on credit card receivables exposure to ___ from immediate effect

The name of new mobile application rolled out by our Bank has for all relatinoship managers & senior relationship managers from ICFS/CFS/Mid corporate branches is ___

FACE is not-for-organization to voice the common concerns of consumer lending Fintech companies with regulators, media, listing or distribution platforms (like google play) and other external stakeholder. What is full form of FACE?

As per master direction on information technology governance, risk, control & assurance practices, ____ refers to user,who, by virtue of function, and/or role , has been allocated powers within information system which are significantly greater than those available to the majority of users

CAFRAL is an independent body set up by the RBI for research & learning in banking and finance. What is full name of CAFRAL