Suggestions for 97th Banking Diploma

Laws & Practice of General Banking (LPGB)

IBB Banking Professional ExamAcademy
Banking Diploma Academy (BDA)

Sazzad Hasan, JAIBB, CECM, MBA Sumon Ahammed. DAIBB, CECM, MBA (DU)
 Module A
Financial Institutions Related Laws
1)Bangladesh bank order, 1972 2) Bank company act, 1991 3) Financial institutions act, 1993 4) Artho rin
adalat, 2003, 1) Bank, 2) Types of Bank, 3) Functions of Banks, 4) Areas of General Banking, 5) Customers,
Relationship with the customers, 6) Rights & Obligations of banks & customers, 7) Providing services in
accordance with customer acceptance policy & schedule of charges

1. Discuss in brief the main functions of a central bank. (Overall Function)

Or,
Explain the functions of the central bank as a banker to the government and bankers Bank. (a single
part of function)
Or,
Central bank is the lender of last resort -explain. (a single part of function)

2. What is a Bank Rate? What is the Present Bank Rate in Bangladesh? Docs change in the bank rate
have any impact on the overall economy by Bangladesh?
3. What is the role played by Bangladesh Bank in the economic development of the country?
4. Increased money supply doesn't necessarily trigger inflation. Do you agree? explain with reasons.
5. What is selective credit control? Discuss the objectives of credit control.
6. What are the direct and indirect instruments of monetary policy? Which of them do you consider to be
comparatively more effective in the context of Bangladesh? explain with reasons.
7. Explain the role of Bangladesh Bank in the following cases : (i) In giving license to a bank; (ii) In
controlling money and credit; (iii) in collecting and providing credit information
8. What measures Bangladesh Bank can take in checking inflation any trend in Bangladesh?
9. Discuss the various instruments available to the central bank to control money supply and credit .

Module B
Financial Instrument Related Laws
Negotiable instrument act, 1881 2) Note refund regulations, 2012, 1) Customer and UCIC (Unique Customer
Identification Code) KYC, 2) E-KYC, 3) CDD (customer due diligence), 4) EDD, 5) Peps/ips, 6) Beneficial
Owner, 7) Types of Deposit Accounts, 8) Procedures of opening of Accounts 9) Relevant documents required
for opening of accounts, Introduction, 10) Letter of thanks, 11) Sanction screening, 12) Opening of Account
through digital Platform, 13) Issuance of Cheque book.

1. Define Negotiable Instruments as per the Negotiable Instruments Act, 1881.What are the feature of
Negotiable instruments act?
2. What are the different instruments used by Bangladesh Bank to pursue its monetary policy?
3. Bring out clearly the main difference between the Statutory Liquidity ratio (SLR) & Cash Reserve
Ratio (CRR)
4. Would you consider the following as negotiable instruments? Give reasons: (i) Bill of Lading; (ii)
Postal Order; (iii) Fixed Deposit Receipt; (iv) Pay order; (v) Hundi.
5. What is a cheque"? Discuss the main characteristics of a cheque.
6. What is the distinction between a Bearer cheque and an Order cheque?
7. On what occasions payment of cheques may be refused by a banker although the cheques are
otherwise in order?
8. What is the legal position of a banker if he pays a cheque after business hours?
9. What is Standing Instruction? Why positive pay instruction is important to honor a cheque?
Or,
Distinguish between Standing Instruction & Positive Pay Instruction.
10. What is endorsement? When and how should cheque be endorsed?

Sazzad Hasan, JAIBB, CECM, MBA Sumon Ahammed. DAIBB, CECM, MBA (DU)
 Module C
Financial Activities Related Laws
Foreign exchange regulation act, 1947 2) Money laundering prevention act, 2012 3) Anti-terrorism act, 2009 1)
Negotiable instrument, 2) Promissory note, bill of exchange, 3) Cheque, 4) Drawer & drawee, 5) Payee,
holder, 6) Holder in due course, 7) Payment in due course, 8) Inland instruments, foreign instruments, 9)
Negotiation, 10) Endorsement, 11) Effect of endorsement, 12) Cheque payable to order, 13) Effect of material,
14) Revolution of bankers’ authority, 15) Crossing of cheques & its effects, 16) Collecting banks’
responsibility

1. What do you mean by Risk management?

2. What are the different types of risk faced by a financial institution? How do they address the risk?
3. What is "Hundi"? Can hundi be regarded as a negotiable instrument? How does hundi affect the
economy of Bangladesh?
4. What do you mean by CTR & STR?
5. What are the different tools used for identifying suspicious transactions?
6. Write down the number and date of BFIS master circular and discuss in brief the laws to prevent
money laundering and terrorist financing in Bangladesh.
7. To check Hundi Bangladesh Bank was issued some guidelines. What are the guidelines?
8. What is letter of credit? Discuss different types of letter of credit.
9. What is a confirmed irrevocable letter of credit?
10. A customer of your branch approaches you to open a confirmed irrevocable letter of credit covering
import of machineries from Japan. What factors would you take into consideration for opening the
credit? What are the particulars which have to communicate to your agent in Japan?
11. What is Money Laundering? What are the different ways through which money laundering takes
place?
12. How can a banker perform his duties in prevention of money laundering under the existing law
regarding money laundering?
13. Discuss the duties and powers of BFIU to prevent offence under Money Laundering Act, 2012.
14. Discuss the importance of KYC to prevent money laundering and terrorist financing. What are the
documents needed to verify KYC?
15. Under what circumstances can a banker disclose the secrecy of a customer's account? Why is
introduction necessary at the time of opening an account?
16. Discuss the formalities required to be observed at the time of opening the Current Account in the name
of: * (i) Private Limited Company, (ii) Partnership Firm (ii) Joint Stock Company; (iii) Club; (iv)
Trust Account. (v) An illiterate person."
17. You are in the account opening department of your branch. One day three prospective customers
approach you to open accounts with your branch for their business. Mr. A is the owner of OP
Enterprise, Mr. B is the Managing Director of QR Service Limited., Mr. C is the chairman of a co-
operative society. (a) What type of account(s) you will suggest them to open with your branch for
ensuring a long run business relationship and why? (b) State the name of all documents that each one
of them has to provide for opening the accounts.
18. What procedure should the Bank adopt in opening and operating a joint account?
19. Can the balance of joint account of husband and wife be paid to wife after the death of his husband?
20. Mr. Aman and Mr. Karim have a joint savings account with your Branch payable to either or survivor.
Mr Aman died and his heirs claim 50% of the balance standing in the account. As a Manager what
step would you take in such a situation.

Module D
Business Related Laws
Company act, 1994 2) Contract act, 1872 3) Transfer of property act, 1882 4) Limitation act, 1908 5)

Sazzad Hasan, JAIBB, CECM, MBA Sumon Ahammed. DAIBB, CECM, MBA (DU)
Bankruptcy act, 1997 6) Customs act, 1969 7) Stamp act, 1899 8) Partnership act, 1932 9) Registration act,
1908, 1) Debit cards, 2) Internet banking, 3) Transfer of accounts, 4) Standing instruction, 5) Stop & lost
payment instruction & its revocation, 6) Dormant accounts and its revival, 7) Unclaimed deposit accounts, 8)
Closing of accounts, 9) Operation of minor students, 10) No-frills, 11) Incapacitated-sick-disabled accounts,
12) Resident & non-residents accounts, 13) Accounting entries related to deposit/withdrawal/transfer of
money. 14) Fees and commission, 15) Charging interest in deposit/loan accounts, 16) Encashment of deposit
accounts, 17) Tax and excise duty, 18) Issuance and payment orders, 19) Demand draft, 20) Telegraphic
transfer, 21) Cancellation and duplicate issuance, 22) Bach operation management, 23) Beftn, npsb and rtgs.

1. What is meant by company according to company Act, 1994? What is Private Ltd. Co. and Public Ltd.
Co. Distinguish between Private Ltd. Company and Public Ltd. Company.
2. What is meant by Bankruptcy? Discuss the salient features of Bankruptcy Law in Bangladesh.
3. When a suit can be filed in the Bankruptcy Court?
4. What are the rights and privileges that a Bankrupt is deprived of? Discuss the procedure of discharge
of the Bankrupt.
5. What is Limitation Act? Discuss the objective and scope of it.
6. A continuing guarantee was executed on 1st April 2000. The breach by the principal debtor was on 1st
May 2003. The guaranteed party filed on suit to invoke the guarantee on 1st June 2006. Was the suit
filed in time under the Limitation Act?
7. What are the time rules of limitation act for Bank? What legal measures are available for recovery of
bad loans under limitation act ?
8. What is development financial institution? Do you find any justification for separate existence of
development financial institution in the context of prevailing situation in Bangladesh?
9. Discuss the role of Bangladesh Krishi Bank in the development of agriculture in Bangladesh.
10. What do you mean by Non-Performing Loan (NPL) ? Why banks feel 20 necessity to write off
adversely classified loans? Discuss the latest guidelines of Bangladesh Bank regarding procedure for
writing off of classified loans.
11. What is remittance? What are the different modes of remittance?
12. Can payment be made against a bank draft without advice?
13. Describe the steps for cancellation of a draft.

Module E
Information and Data Related Laws
Bankers book evidence act, 1891 2) Information and communication technology act, 2006 digital security act,
2018 3) Right to information act, 2009, 1) Demand and time liabilities (DTL), 2) Calculation and maintenance
of CRR, 3) Maintenance of clearing accounts with Bangladesh Bank and other banks, 4) Vault limit and transit
limit management, 5) Insurance Coverage, 6) Management of cash in vault, 7) Counter, 8) ATM and feeding
branches, 9) Handling of Mutilated/Torn/ soiled/ issue/re-issue and fake notes, 10) Purchase, sell of prize
Bond, 11) Maintenance of security stationary, stamps, 12) Safe in-safe out Registrar, 13) Management of
Locker and safe custody services, 14) Inward and outward bills for collection (IBC and OBC), 15) E-chalan,
A-chalan, E-gp. 16) Payment foreign inward remittance (COC and A/C payee)

1. What do you mean by Books of a bank as per Bankers’ Books Evidence Act, 2021?
2. Who is authorized to provide the attested true copy of any entry of a bankers’ book under Bankers’
Books Evidence Act,2021?
3. Describe Inter-state application of the Act under The ICT Act, 2006.
4. What is the Functions of the Controller under The ICT Act, 2006
5. What is the type of offense conducted under The ICT Act, 2006 Chapter 6 covering Sections 17 to 38
also what is the Punishment for such offense?
6. In which Circumstances a police Officer can Search, Seizure and Arrest without Warrant under The
ICT Act, 2006.

Sazzad Hasan, JAIBB, CECM, MBA Sumon Ahammed. DAIBB, CECM, MBA (DU)
 7. What is Right to The Information Act, 2009? Write some Examples of information that can be shared
under The Information Act, 2009. Write the Provision to withhold information under The Information
Act, 2009.

Module F
Other General Banking
Reconciliation/ checking of daily activity report, 2) DCFCL, 3) Management and Preservation of records, 4)
Documents and Vouchers, 5) Checking of daily statement of affairs/income and expenditure related statement,
6) Balancing of all heads of general ledger (GL).

1. Discuss the formalities to be observed in lending in against life insurance policy as security?
2. What is the Power and functions of the Director General under Bangladesh Environment Conservation
Act, 1995.
3. What do you mean by documentation? Discuss the various types?
4. What do you mean by Charge documents? What are the basic Charge documents? Discuss.
5. Is Environmental Clearance Certificate is important for a factory? Why? What is the punishment for
not having an Environmental Clearance Certificate or breach any instruction from DoE?
6. What is power of Attorney? State the different categories of power of Attorney. Also state the features
related to the power of Attorney which are of importance to a banker.

Short Notes Q-01.) FATF & BFIU June/2022,June/2021,July/2018,Dec/2018,June/2016

Q-02.) Garnishee Order Nov, 2010, 2011 ***
Q-03.) Conversion Dec-19 Nov-17 Nov-16 Dec-13 Dec-12 Dec-14 **
Q-04.) KYC /Dec-18/nov-17/ may-16/ june-15/june-14/dec-12/Nov-11 ***
Q-05.) Banker's right of set-off /Jun-20/Jun-17/Dec-14/Dec-13 ***
Q-06.) Lending risk analysis /Jun-20/Dec-18/May-16***
Q-07.) Currency Chest /Dec-19/ Nov-17/Nov-16/Dec-15**
Q-08.) Bank Rate /Dec-18/june-17/nov-11 *
Q-09.) Pari Passu and 2nd Charge Dec-21 ***
Q-10.) A-Challan***
Q-11.) Clayton's Rule; Dec-15/dec-12/nov-11 ***
Q-12.) Camel Rating; Dec-14 dec-13, may-12, may-11***
Q-13.) Bad-Debt Provision Dec-19 *
Q-14.) Derivatives Dec-18 **
Q-15.) EFTN, RTGS** Q-16.) Contingent Liabilities Dec-19/Jun-15/May-12/May-11/Jun-13
Q-17.) Online banking. Jun-21/Jul-18/Dec-15/May-12/Dec-14/Dec-13
Q-18.) Legal Tender; Jun-15, june-14, june-13, may-12*
Q-19.) Repo and Reverse Repo; Dec-13*
Q-20.) Secret Reserve. Dec-15 May-16**
Q-21.) Plastic Money Jun-21
Q-22.) Accommodation Bill. Dec-21
Q-23.) Holder in due course, payment in due course Jun-21/Jun-14/Nov-16
Q-24.) Legacy Account Jun-21/Dec-19
Q-25.) Inclusive Banking; Jun-17/May-16
Q-26.) Crypto Currency;
Q-27.) Relationship BankingDec-21
Q-28.) UCIC
Q-29.) CDD & EDD

Sazzad Hasan, JAIBB, CECM, MBA Sumon Ahammed. DAIBB, CECM, MBA (DU)
Q-30.) Factoring
Q-31.) Off-Shore Banking
Q-32.) Consignment Sale
Q-33.) Risk Weighted Asset
Q-34.) Predicate Offenses
Q-35.) Credit Information Bureau (CIB)

Sazzad Hasan, JAIBB, CECM, MBA Sumon Ahammed. DAIBB, CECM, MBA (DU)