Question Bank. 4. Define the term size transformation of the business of banking. 5. What is meant by risk transformation of thebusiness of banking?

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1 Unit-1 Introduction to Banking 1 Mark Questions 1. List the categories of commercial banks. 2. What is meant by the non-scheduled bank? 3. What is meant by the business of banking? 4. Define the term size transformation of the business of banking. 5. What is meant by risk transformation of thebusiness of banking? 6. What is meant by banking company? 7. What is the general relationship between banker and customer? 8. Define the term banker. 9. Define the term beneficiary. 10. What comprises the primary function of commercial banks? 1. Define the term scheduled bank. 2. State any four examples of scheduled banks. 3. Draw the diagram of the business banking. 4. List any four transformation mechanisms of the business banking. 5. What is meant by liability asset transformation of the business banking? 6. Define the term maturity transformation of the business banking? 7. Why are banks called intermediaries? 8. Define the banker as trustee. 9. What is meant by banker as agent? 10. What is the essence of banking business? 1

2 5 Mark Questions 1. Write a short note on commercial banks. 2. Define the term banking and enumerate the functions of a bank. 3. Explain the debtor-creditor relationship between a banker and a customer and silent feature of a banker and a customer. 4. Discuss the unorganized sector and organized sector of bank. 5. Write a short note on duties and rights of a banker. 6. Explain the functions of bank. Unit-2 Reserve Bank of India 1- Mark Questions 1. Write the full form of DICGC. 2. What BRBNMPL stands for? 3. List the reasons for constituted the reserve bank of India. 4. Who has governed the affairs of the reserve bank of India? 5. State the prime objective of formulated the monitory policy by RBI. 6. List any two major functions of the department of currency management. 7. State any two functions of foreign exchange department. 8. List the major functions of the department of information technology. 1. List four subsidiaries of RBI. 2. State the legal framework under which RBI is functioning. 3. List the objectives of formulated monetary policy by RBI. 4. State the main functions of RBI. 5. Draw the diagram of organizational structure of RBI. 6. List any four departments of reserve bank of India. 7. State the activities which are performed by urban banks department. 8. State the framing guidelines for rehabilitation of sick SSIs. 9. List any four functions of the department of external investment and operations. 2

3 10. State any four functions of department od payment and settlement systems. 5- Mark Questions 1. Discuss the main functions of Reserve Bank of India and draw the diagram of the organizational structure of RBI. 2. Write a short note on functions of any four departments of Reserve Bank of India. 3. Write a short note on: a. Urban Banks Department b. Rural Planning and Credit Department c. Foreign Exchange Department d. Department of Information Technology 4. Write a short note on: a. Financial Supervision b. Department of Banking Supervision c. Department of Non-Banking Supervision (DNBS) d. Monetary Policy Department 5. Write any four short note from below: a. Internal Debt Management Department b. Department of External Investments and Operations c. Department of Government and Bank Accounts d. Department of Economic Analysis and Policy e. Department of Statistical Analysis and Computer Services f. Department of Payment and Settlement Systems 3

4 Unit-3 Structure of Commercial Banks in India 1-Mark Questions 1. Define the term Scheduled bank. 2. State any two nationalized commercial banks in India. 3. List any two private commercial banks in India. 4. Non-scheduled Bank cannot deal with Foreign exchange. (True or False) 5. What is meant by exchange bank? 6. List any two lending institutions by NABARD. 7. State the full form of NABARD. 8. Write the full form of NHB. 9. Write the full form of SIDBI. 10. Write the full form of EXIM Bank. 11. Define the term RESIDEX. 12. What is meant by ATM? 13. Write the full form of ATM. 1. List the guidelines of RBI for the entry of private sector banks. 2. What is meant by licensed banks? 3. State the objectives of local area banks. 4. Define the term cooperative banks. 5. List any two weaknesses of cooperative banks. 6. State any four apex level banking institutions. 7. List any two financing function of National Housing Bank. 8. State any two promotional and development functions of SIDBI. 9. List the promotional activities of IDBI. 5-Mark Questions 1. Write a short note on commercial banks. 2. Discuss the guidelines of RBI for the entry of private sector banks. 3. Distinguish between: 4

5 a. Public sector banks and private sector banks b. Indian banks and foreign banks 4. Write a short note on foreign banks. 5. Discuss the regional rural banks. 6. Explain cooperative banks. 7. Briefly describe National Bank for Agriculture and rural Development, Write a short note on National Housing Bank and Small Industries Development Bank of India. 9. Discuss the Industrial Development Bank of India Limited and EXIM Bank. Unit- 4 Customer Service in Banks 1 Mark Questions 1. State the types of customers. 2. What is meant by a Successful banker? 3. List the customer duties by the bank. 4. What is meant by customer service committee by the bank? 5. Define the term prompt insurance. 6. Write time norms for enhancement of cheques in bank. 7. Mention the time norms of local and outstation in the bank. 8. Mention the time norms of payment of demand draft in the bank. 9. What is meant by the settlement of claim cases in the bank? 1. State any four recommendations given by Goiporia committee. 2. Define the term May I help you counter? in banks. 3. Define the term nomination facility by the bank. 4. What is meant by MICR cheque clearing system by the bank? 5. List any two RBI instructions on customer service. 6. What is meant by the settlement of claim cases by bank? 7. What is meant by Banking Ombudsman assume jurisdiction? 8. List any four types of disputes considered by Ombudsman. 5

6 9. How much rate of interest to be applied on delayed collections in the bank? 10. What is meant by value dating of telegraphic transfers in the bank? 5- Mark Questions 1. Discuss the recommendations which are given by Gioporia committee. 2. Explain any seven implementations of various measures by banks. 3. Write a short note on Banking Ombudsman Scheme, Briefly describe RBI instructions on customer service. 5. Explain the following implementation of various measures by banks: a. May I help you counter? b. Nomination facility c. Updating of passbook d. Collection of local cheques e. Times Norms f. Customer service committee Unit- 5 Different Types of Costumers 1- Mark Questions 1. List any two features of married women account dealt in bank. 2. State any two features of trust account dealt in bank. 3. List any two features of societies and clubs account dealt in bank. 4. State any two features of partnership firm account dealt in bank. 5. Mention the maximum and minimum partner limit under private limited company bank account. 6. Mention the maximum and minimum parent limit under public limited company. 1. State any four features of illiterate persons account dealt in bank. 2. List any four features of blind persons account dealt in bank. 3. State any four features of minor account dealt in bank. 4. List features of joint account dealt in bank. 5. Mention the documents required for opening joint stock company bank account. 6

7 5- Mark Questions 1. Explain the features of different types of bank account which are given below: a. Married women b. Illiterate persons c. Blind persons d. Trusts e. Societies and clubs f. Minors g. Joint Account h. Partnership firms i. Joint stock company 2. Discuss the Garnishee orders and KYC norms in brief. 3. Descibe the steps to be taken by a bank on customer s death, lunacy, bankruptcy. Unit-6 Payment and Settlement System 1-Mark Questions 1. Write the full form of ATM. 2. What is meant by internet banking. 3. State any two advantages of internet banking. 4. Mention the full form of ECS. 5. Mention the full form of EFT. 6. In which year electronic clearing services was introduced? 7. Define the term electronic cheque. 8. In which year electronic cheque was introduced? 9. In which year credit card was introduced? 10. Define the term debit card. 11. Mention the full form of MICR. 12. Mention the full form of CBS. 13. List the four legs of the clearing cycle. 7

8 2-Mark Questions 1. Define the term E-baking. 2. List any four e-banking services for customers. 3. State any two ATM advantages. 4. List any two advantages of electronic funds transfer. 5. What is meant by telebanking? 6. State any two features of credit card. 7. Mention various ways of making payment through the banking system. 8. List any two features of debit card. 9. State any two information which are contained on MICR code line. 10. What is meant by core banking solution system? 11. List the basic problems with the use of cheque. 12. State any four key benefit of cheque truncation. 5-Mark Questions 1. Discuss the e-banking and automated teller machine with its advantages. 2. Explain electronic clearing service and internet banking with its advantages. 3. Write short notes on: a. Electronic funds transfer b. Telebanking c. Electronic cheques 4. Discuss the operation of credit cards with its features and advantages. 5. Write a short notes on debit card and MICR. 6. Explain role of RBI in payment systems. 7. Write a short note on cheque truncation. 8