Questions

Unit 1 Mark 5 Marks

1 Define Cooperative bank. Discuss the structure of the Indian banking system.
1 List the services offered by the payment banks to their customers. What are the different types of Banks?
1 What is scheduled bank? Discuss the evolution of Indian Banks?
1 What is a key feature of cooperative banks? What are the main functions of commercial banks?
1 Define the Cash Reserve Ratio (CRR) in the context of banking. Explain briefly the major functions of the Reserve Bank of India (RBI)?
1 Which act th RBI was established? Describe the distinguishes between cooperative banks and commercial banks.
1 What is monetary policy? What are the tools of monetary control?
1 What is open market operations? What are the functions of RBI?
1 What is Cash Reserve Ratio (CRR)? What is Baking Regulation? Discuss in detail.
1 What is Retail Banking? What are the regulatroy restrictions on lending?
1 What is Wholesale banking? What are the different types of Banking?
1 What is International banking? What are the advantages and disadvantages of retail banking, as well as wholesale and international banking?
2 Define operational risk and give two examples. Discuss various steps involved in risk management for a retail bank.
2 What is credit risk? Identify the different risks faced by banks.
2 What do you mean by NPA? Critically analyze the major differences between Basel norms I, II and III.
2 What is CIBIL? What is the role and functions of CIBIL?
2 What is code for debt collection? Explain the fair practices for debt collection?
2 What is the objective of code for debt collection? Discuss the the fair practices for debt collection?
2 List the 5C's of credit that banks consider while assessing loan applications.Explain various principles of lending in detail.
2 What is bank guarantee? What are the cardinal principles?
2 What is principle of diversity? How do non-fund based facilities help the business in managing their cash flows?
2 What is primary objective of credit appraisal? What is the imprtance of Credit Apprisal?
2 What is ultimate goal of cash management? What are the credit apprisal techniques?
2 What is credit appraisal? What are modern methods of credit Appraisal?
3 How does a fixed deposit differ from a regular savings account? What are the different deposit products and services?
3 How do joint deposit works? What are the advantages and disadvantages of deposit products?
3 What factors should you consider before opening a deposit account? What are the different services provided by Banks?
3 Define digital banking. List various digital banking services provided to theWhat
customer
is KYC?
by a bank.
Explain the 4 key elements of KYC policies.
3 List various services offered to the customers by retail banks. What is KYC? When does it apply? Explain its advantages.
3 What is money laundering? What is money laundering? Discuss the popular activities through which money is laundered.
3 What is an overdraft facility? Analyze the different types of loans provided by banks and explain their significance in the financial system.
3 What is Mortagage? Discuss the process of discounting of bills and explain how it benefits businesses and banks. Provide examples.
3 What is Pledge? What are the different types of loans offered by Banks?
3 What is a supply bill? Evaluate the risks and benefits of using supply bills for financing
3 Distinguish the primary difference between a pledge and a mortgage. Explain financing book debts and supply bills?
3 Define book debts in the context of financing. Differentiate between pledge and mortgage with examples
4 What is Banking Ombudsman Scheme? Explain the powers of Banking Ombudsman.
4 What is COPRA? How COPRA is safeguarding consumer interests in Indian context?
4 What is the objective of COPRA? Differentiate between Consumer Protection Act 1986 and Consumer Protection Act 2019.
4 Define the term “Paying Banker”. Explain the process a paying banker follows to ensure the validity of a cheque before making a payment.
4 What is the primary duty of a collecting banker? Analyze the role of a collecting banker in the context of customer-agent relationships.
4 Defie the term "Collecting Banker" Evaluate the importance of confidentiality in the duties of a paying banker.
4 What is an endorsement under the Negotiable Instrument Act? What is cheques bounce? What are the impliations of cheque bounce?
4 Define a forged instrument as per the Negotiable Instrument Act. Discuss the legal consequences for a bank in handling forged instruments under the Negotiable Instruments Act 1881.
4 What is the legal implication of cheque bouncing under the Negotiable Instruments
What areAct?
the consequences of cheque bounce?
4 What is savings account? What are the different operational aspects of opening and maintaining various types of account holders?
4 Who is called as nominee? What are the ancillary services provided by the Banks?
4 What is joint account? Explain the opening and maintaing different account types in Banks.
5 Explain any three advantages of LAN in Bnaks. How banks can leverage LAN and WAN technologies to improve operations efficiency of the banks?
5 Explain the use of WAN in banks. Evaluate the challenges faced by the banks in implementing effective data warehousing and data mining solutions.
5 What is the purpose of data warehousing in banking? Discuss the security challenges associated with LAN and WAN in banking.
5 What is a prepaid payment instrument (PPI)? Discuss the different types of cards issued by banks and explain the roles of card networks in facilitating electronic transactions.
5 What is ATM? Analyze the growth of mobile wallets and prepaid payment instruments (PPI) in the financial sector. How do they differ from traditional banking products?
5 What is SWIFT? Evaluate the benefits and challenges of Internet and mobile banking for both customers and financial institutions.
5 What is e-wallet? What are the different types of cards offered by banks? Explain the features.
5 What is internat banking? What are the diffent types of electronic banking types?
5 What is electronic banking? What are the advantages and disadvantages of different types of cards provided by Banks?
5 Write the Benefits of Electronic Payment Systems. what is the difference between NEFT and RTGS?
5 Write about NPCI. What are the trends in communication networks for fund transfer in banks?
5 What are the drawbacks of Electronic Payment Systems. What are the diffent types communication networks for funds transfer in banks?