Monday, February 15, 2016

AHSEC - Class 12: Banking Question Bank for 2017 Exam

Suggested question for AHSEC 2017 Exam
Subject: BANKING

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UNIT-I: COMMERCIAL BANKING IN INDIA
A. Very short answer questions: (Carrying one mark each)
1.       Give two examples of Public Sector and Private sector Bank.
2.       In which year the Imperial Bank of Indian was established?
3.       In 1969 how many commercial banks were nationalized?
4.       How many commercial banks are nationalized at present?
5.       In which year 14 Indian Commercial banks were nationalized?
6.       In 1980 how many commercial banks were nationalized?
7.       In which year the Lead Bank Scheme was introduced?
8.       In which year the State Bank of India was established?
9.       What was the previous name of State Bank of India?
10.   Name the three Presidency Banks.
11.   What is Commercial Bank?
12.   In which year 6 Indian Commercial Banks were nationalized?
13.   How many commercial banks in India were nationalized for the first time?
14.   Give the name of biggest commercial bank in India?
15.   Name the first bank in the world and its year of establishment.
16.   Which was the first bank established in India? When was it established?
17.   Scheduled banks are included in which list of the RBI?

B. Short Answer Questions: Type-I (Carrying 2/3/5/8 marks each)
1.       What is bank? Explain its traditional, agency and general utility functions.              VVVI
2.       Define various systems of banking such as branch, unit, group and chain banking and also distinguish between them.                                    VVVI
3.       What is unit and branch banking? Distinguish between them.                                     VVVI
4.       What is public and private sector bank? State the differences between public sector and private sector banks.  VVVI
5.       What was the previous name of SBI? Explain its functions.
6.       Write a brief note on imperial bank and presidency bank of India.
7.       Mention four merits and demerits of unit banking and branch banking.
8.       What is scheduled and non-scheduled bank? Distinguish between them.
9.       What is nationalisation of a bank? Discuss the performance of commercial bank after nationalisation.
10.   What is Lead Bank Scheme? State the effects of this scheme.  VVVI

UNIT – 2: RESERVE BANK OF INDIA
A. Very Short Answer Questions: (Carrying one mark each)
1.       When the Reserve Bank of India was established?
2.       Where is the head office of the Reserve Bank of India?
3.       Who issues the one rupee notes?
4.       Who is the present governor of the RBI?
5.       Name the oldest central bank of the RBI.
6.       How many members consist of the Board of Directors of RBI?
7.       In which year the RBI was nationalized?
8.       In which year RBI becomes a state owned institution?
9.       Which method is adopted by the Reserve Bank of India for issuing notes?
10.   Expand SLR and CRR. What are present SLR and CRR?
11.   What is the tenure of the Governor of the RBI?
12.   The Board of Directors of Reserve Bank of India consists of ____ members.

B. Short Answer Questions: Type – II (Carrying 2 marks each)
1.       Explain briefly how the Reserve Bank of India controls credit.                     VVVI
2.       Explain the various functions of Reserve Bank of India.                                  VVVI
3.       Why RBI is called the lendor of the last resort?
4.       What is central bank? Mention two objectives of the establishment of Reserve Bank of India. Name its 8 departments.
5.       Mention various methods for note issue.                                             VVVI
6.       Explain in brief about Credit Authorization Scheme.
7.       Explain the clearing function of the Reserve Bank of India.                           VVVI
8.       Explain the organization and management of Reserve Bank of India.
9.       Describe the prohibited functions of Reserve Bank of India.
10.   Discuss the role (Functions) of Reserve Bank of India in economic development of India.

UNIT – 3: FINANCIAL MARKETS
A. Very Short Answer Questions: (Carrying one marks each)
1.       Write the meaning of Financial Market?
2.       What are various types of financial market?
3.       What is primary market or new issue market and secondary market or stock exchange?
4.       What are government securities or gilt edged securities market?
5.       What is industrial securities market?
6.       What is call money market?
7.       What is collateral loan market?
8.       What is commercial paper?
9.       What is a certificate of deposit (CD)?
10.   What is commercial bill?
11.   Write sub-market of Indian Money Market and capital market.
12.   What is bill market?
13.   What is Money Market?
14.   What is Capital Market?
15.   What is Foreign Exchange Market?
16.   Name two instruments of Money Market?
17.   Name two instrument of capital market?
18.   What is OTCEI?
19.   Capital market is a long term market.                      (True or False)
20.   Money market is a short term market.                   (True or False)

B. Long Answer Questions: Type – I (Carrying 5 marks each)
1.       What are non-banking financing institutions (NBFI)? Mention its features.
2.       Highlight the role of Non-Banking Financial Intermediaries.  (Similar to Development bans as given in notes)
3.       What is financial market? What are the different types of financial market? Mention its five features.
4.       What is money market? Mention 8 features/limitations of Indian money market.   VVVI
5.       What is capital market? Write five features of capital market. Distinguish between money market and capital market.            VVVI
6.       What is primary market? Distinguish between primary and secondary market. (Difference can be written as features)
7.       What is stock exchange? Write eight functions of Stock Exchange.
8.       Discuss about the institutions participating in the Indian Money Market.    VVVI

UNIT – 4: NON BANK FINANCIAL INSTITUTIONS
A. Very Short Answer Questions: (Carrying one/two marks each)
1.       Expand the following: IFCI,   IDBI,   SFCs,   NABARD,   SIDCs,   UTI,   LICI,   GICI,   MMMFs,   IBRD,   IMF,   IDA,   IFC,   ADB, and NEDFi.
2.       In which year following institutions are established: IFCI,   IDBI,   SFCs,   NABARD,   First SIDC,   UTI,   LICI,   GICI,   MMMF scheme,   IBRD,   IMF,   IDA,   IFC,   and ADB?
3.       Which is the first Development Bank established in India?
4.       What do you mean by Development Banks? Give some examples.
5.       What is Mutual fund?
6.       What are the basic features of development banks?
7.       Mention any three objectives of development banks?
B. Long Answer Questions: Type – I (Carrying 5 marks each)
1.       Discuss the features and objectives of Development banks.                        VVVI
2.       Distinguish between development banks and commercial banks.                             VVVI
3.       Discuss the main functions (role) of development banks. (Similar to NBFI as given in notes)
4.       Write a note on IFCI, IDDI, SFCs, NABARD, LICI, UTI, MMMF, ADB, and IFC. (As per the technique given in notes)
5.       What are mutual funds? What are its advantages?           VVVI
6.       Write a note on SIDCs.                   VVVI
7.       Write a note on IMF. State five objectives of IMF.    VVVI
8.       Write a note on IBRD. Write a brief function and objectives of IBRD.                        VVVI
9.       Write a short note on International Development Association.

UNIT – 5: NEGOTIABLE INSTRUMENT
A. Very Short Answer Questions: (Carrying one/two mark each)
1.       Give an example of negotiable instrument.
2.       Give an example of special endorsement.
3.       When did the Negotiable Instrument come into force?
4.       Write the meaning of Negotiable Instrument.
5.       Define Promissory Note.
6.       Give the meaning of Hundi.
7.       Explain the term ‘Holder’ of Negotiable Instrument.
8.       What is Endorsement in Full or Special Endorsement?
9.       What is Conditional Endorsement?
10.   What is Bank Draft?
11.   What is Endorsement in Blank?
12.   What is Restrictive Endorsement?
13.   What is Facultative Endorsement?
14.   Draw a specimen copy of Cheque.
15.   Draw a specimen copy of a blank cheque.
16.   Draw a specimen copy of Promissory Note.
17.   Draw a specimen copy of bill of exchange.
18.   What are the different types of Negotiable Instrument?
19.   Discuss the term ‘Payment in due course’. Mention three features of payment in due course.   VVVI
20.   Bill of exchange/share certificate/ promissory note are not a negotiable instrument.

B. Long Answer Questions: Type – I (Carrying 5 marks each)
1.       What are Negotiable instruments? What are the essential characteristics of a negotiable instrument?
2.       What is bill of exchange? What are its essential characteristics?
3.       What is payment in due course? Explain its conditions or essentials.
4.       State the important differences between Promissory Note and Cheque.
5.       State the important differences between Promissory Note and Bill of Exchange.
6.       State the important differences between Bill of Exchange and Cheque.
7.       What is cheque? Highlight the features of a cheque.
8.       What are holder and holder in due course? Distinguish between them.
9.       What are the privileges enjoyed by a holder in due course?
10.   Define endorsement. Discuss the significance of different types of endorsements.  What are the rules regarding endorsement.
11.   Define Hundi. What are the various kinds of Hundies?

UNIT – 6: CHEQUES COLLECTION AND PAYMENT OF CHEQUES
A. Very Short Answer Questions: (Carrying one/two marks each)
1.       Give an example of material alteration of cheque.
2.       Who can cross a cheque?
3.       A ‘Not Negotiable’ crossing cheque can/cannot be transferred (Choose the correct answer)
4.       A crossed cheque can be encashed in the bank counter. (State whether true or false)
5.       A collecting banker can claim statutory protection only in the case of ____ cheque. (Fill in the blank)
6.       How do you cross a Cheque?
7.       What is Post Dated Cheque?
8.       Who are a Collecting Banker and Paying Banker?
9.       What is open cheque and Bearer Cheques?
10.   What is an order cheque?
11.   What do you mean by bearer cheque?
12.   What do you mean by Stale Cheque?
13.   What is mutilated cheque?
14.   Draft a specimen of a cheque.
B. Short Answer Questions: Type – II (Carrying 3/5/8 marks each)
1.       What is crossed cheque? Explain its four types with respective significance.         VVVI
2.       Explain the difference between Open and Crossed Cheque.
3.       What material alteration of cheque? Give some example of material alteration of a cheque.
4.       State the duties and liabilities of a Paying Banker.
5.       State the duties and liabilities of a Collecting Banker.
6.       Explain the protection available to a paying banker and collecting banker.
7.       Explain the advantages and disadvantages of Bearer Cheque.
8.       Explain the circumstances under which a banker can honour and dishonor a cheque.
9.       Discuss the precautions a banker should take for making payment of his customer’s cheque.
10.   Distinguish between open cheque, cross cheque and bearer cheque.

UNIT – 7: EMPLOYMENT OF FUNDS
A. Very Short Answer Questions: (Carrying 1/2 marks each)
1.       Write the full form of CRR.
2.       Write the full form of SLR.
3.       State the meaning of liquidity.
4.       What do you mean by Hypothecation?
5.       What is the meaning of cash credit?
6.       Give the meaning of Cash Reserve Ratio.
7.       What is Overdraft?
8.       Explain Pledge.
9.       What is money at call and short notice?
10.   What do you mean by statutory liquidity ratio?
11.   What do you mean by Letter of Credit?
12.   Define Mortgage.
13.   What is money at call and short notice?
14.   What do you mean by discounting of bills?
B. Long Answer Questions: Type – I (Carrying 3/5/8 marks each)
1.       Give the meaning of liquidity. Explain the significance of liquidity. State the factors that affect Cash Reserve of the Commercial Banks.
2.       Discuss the principles followed by a commercial bank in investing its funds in securities.
3.       Discuss the principles followed by the commercial banks in granting loans and advances.
4.       What is letter of credit (L/C)? What are its various types? Name various parties involved in it.
5.       Discuss the loans and advances granted by Commercial Banks.  And also distinguish between them.

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