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    17Uco6Mc04 Modern Banking Pratices Question Bank Unit - 1: Introduction To Banking

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    Simon Joseph
    This document contains questions related to modern banking practices divided into 5 units: Unit 1 covers introduction to banking and contains questions about key banking terms like banks, credit creation, deposits. Unit 2 is about Reserve Bank of India and its role and functions. Unit 3 discusses banker-customer relationships and services. Unit 4 includes questions on various bank deposits, loans and advances. Unit 5 is about modern banking practices like e-banking, mobile banking, ATMs, credit/debit cards, NEFT, RTGS and the Banking Ombudsman scheme.

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    17Uco6Mc04 Modern Banking Pratices Question Bank Unit - 1: Introduction To Banking

    Uploaded by

    Simon Joseph
    424 views4 pages
    This document contains questions related to modern banking practices divided into 5 units: Unit 1 covers introduction to banking and contains questions about key banking terms like banks, credit creation, deposits. Unit 2 is about Reserve Bank of India and its role and functions. Unit 3 discusses banker-customer relationships and services. Unit 4 includes questions on various bank deposits, loans and advances. Unit 5 is about modern banking practices like e-banking, mobile banking, ATMs, credit/debit cards, NEFT, RTGS and the Banking Ombudsman scheme.

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    Banking

    Original Title

    MBP Question Bank

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    This document contains questions related to modern banking practices divided into 5 units: Unit 1 covers introduction to banking and contains questions about key banking terms like banks, credit creation, deposits. Unit 2 is about Reserve Bank of India and its role and functions. Unit 3 discusses banker-customer relationships and services. Unit 4 includes questions on various bank deposits, loans and advances. Unit 5 is about modern banking practices like e-banking, mobile banking, ATMs, credit/debit cards, NEFT, RTGS and the Banking Ombudsman scheme.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    424 views4 pages

    17Uco6Mc04 Modern Banking Pratices Question Bank Unit - 1: Introduction To Banking

    Uploaded by

    Simon Joseph
    This document contains questions related to modern banking practices divided into 5 units: Unit 1 covers introduction to banking and contains questions about key banking terms like banks, credit creation, deposits. Unit 2 is about Reserve Bank of India and its role and functions. Unit 3 discusses banker-customer relationships and services. Unit 4 includes questions on various bank deposits, loans and advances. Unit 5 is about modern banking practices like e-banking, mobile banking, ATMs, credit/debit cards, NEFT, RTGS and the Banking Ombudsman scheme.

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    © All Rights Reserved
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    Download as docx, pdf, or txt
    of 4

    17UCO6MC04 MODERN BANKING PRATICES

    QUESTION BANK

    UNIT – 1: INTRODUCTION TO BANKING

    Part – A
    1. Define the term Banking.
    2. Write note on investment bank.
    3. What do you mean by credit creation?
    4. State the meaning of the term clean loan.
    5. What is cash credit?
    6. State any two differences between fixed deposit and recurring deposit.
    7. What is meant by Co-operative bank?
    8. What do you know about RRB’s?
    9. What are the objectives of credit creation?
    10. What is primary deposit?

    Part – B
    11. Explain the role of banking in the economic development of the country.
    12. State the functions of Regional Rural Banks.
    13. What are the primary functions of commercial banks? Explain them.
    14. Discuss the various modern banking functions of commercial banks.
    15. List out and explain various types of deposits with its procedures.
    16. Explain the process and limitations of credit creation.
    17. State the differences between RRB’s and Commercial Banks.

    Part – C
    18. Explain various classifications of Banks.
    19. Discuss the role of banks in economic development of the country.
    20. Describe the various functions of commercial banks.
    21. Explain the roles ad functions of RRB’s.
    22. Explain the modern functions of commercial banks.

    UNIT – 2 RESERVE BANK OF INDIA


    Part – A
    1. Name any four departments of RBI?
    2. Why RBI is called as the lender of last resort?
    3. Write any two promotional functions of RBI?
    4. What are the four major objectives of the monetary policy of RBI?
    5. Write the meaning of credit control?
    6. Name the methods of credit control?
    7. Write a brief note on Repo rate and Reverse Repo rate?
    8. What is Bank rate?
    9. Expand CRR, SLR and mention the current ratio of CRR & SLR?
    10. What is meant by Open Market Operations?

    Part – B
    11. How the management of RBI of India is constituted?
    12. Explain the Functions of RBI?
    13. Explain the Operation of Bank rate policy?
    14. Write the difference between Qualitative and Quantitative measures?
    15. Discuss the Establishment of RBI with various departments and Offices?

    Part – C
    16. Elaborate on the Licensing of Banks?
    17. Compare the Bank rate policy with the Open Market Operations?
    18. Examine the monetary policy of the RBI?
    19. Discuss the functions of various departments of RBI?
    20. Define VCRR and explain its limitations?

    UNIT – 3: BANKER – CUSTOMER


    Part – A
    1. Define a banker.
    2. Who is a customer?
    3. What is mandate?
    4. What is power of attorney?
    5. What is order ‘Nisi’?
    6. What are KYC guidelines?
    7. What is a garnishee order?
    8. What do you understand by bouncing of cheques?
    9. What is crossing of cheques?
    10. Define right of lien.

    Part – B
    11. What are the duties and responsibilities of a paying banker?
    12. What are the duties and responsibilities of a collecting banker?
    13. What is the statutory protection available to a paying banker?
    14. What is the statutory protection available to a collecting banker?
    15. What are the various causes for dishonour of a cheque?
    16. Explain the different types of Crossing of a cheque.
    17. What are forged instruments?

    Part – C
    18. What is Endorsement? Explain the different kinds of Endorsement.
    19. Explain in detail the rights of a banker.
    20. Discuss in detail the obligations of a banker.
    21. Describe in detail the different types of banker and customer relations.
    22. What are the services rendered by banks?
    UNIT – 4: DEPOSITS, LOANS AND ADVANCES

    Part – A
    1. What is cash credit?
    2. What is meant by Overdraft?
    3. What is long term loan?
    4. What is savings deposit accounts?
    5. What is meant by Fixed Deposit Receipt?
    6. What are collateral securities?
    7. What is meant by pledge?
    8. Define mortgage.
    9. What is Hypothecation?
    10. What is meant by unsecured loan?
    11. What is Banker’s lien?
    12. What is Banker’s Right of set off?

    Part – B

    13. What are the differences between Pledge and Mortgage?


    14. Explain the various types of Deposits.
    15. Explain the different securities that are accepted by a banker while lending to customers.
    16. What are the different forms of banker’s advances?
    17. What are secured advances?
    18. Explain the different features of a fixed deposit.
    19. List out the various types of loans made by a banker.
    20. State the precautions required to be taken by a banker in case of advances against the
    security of goods.

    Part – C
    21. Explain the various principles of sound bank lending.
    22. What are secured and unsecured advances of the bank? What precautions should a banker
    take while making unsecured advances?
    23. Explain the various modes of creating a charge on securities.
    24. What precautions should a banker take while making advances against:
    (a) Immovable property
    (b) Life Insurance Policies
    (c) Fixed Deposit Receipt.
    25. State the different forms of lending by a banker. Explain in detail.

    UNIT – 5: MODERN BANKING PRACTICES

    Part – A
    1. What is E-banking?
    2. What is Mobile banking?
    3. What is White-label ATM?
    4. What is Credit Card?
    5. What is ECS?
    6. How does E-Banking benefit customers?
    7. What is ‘EFTPO’?
    8. What is RTGS?
    9. What is meant by NEFT?
    10. What do you understand by Banking Ombudsman?

    Part – B
    11. Explain the benefits of Automated Teller machine (ATM).
    12. What are the features of Electronic Clearing Services (ECS)?
    13. What is Debit Card? Distinguish it from credit card.
    14. State the object of Banking Ombudsman Scheme.
    15. Enumerate the types of complaints which may be referred to a Banking Ombudsman.

    Part – C
    16. Describe the salient features of ATMs. Comment on the benefits and challenges it offers
    to the Indian Banking System.
    17. What are the different types of E-banking? Explain.
    18. Describe the procedure involved in National Electronic Funds Transfer (NEFT) System.
    19. Explain the advantages and disadvantages of E-banking.
    20. State the procedure involved in grievance redressal through Banking Ombudsman
    Scheme.

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