Previous year paper of Banking - CBSE class 12

 Previous year question Paper for Banking code

2020- 2021

1. Why is listening to a customer by the front office employee of a bank very important ? 
2. State any two points of importance of self-motivation. 
3. How can we reduce greenhouse gas emission by making some changes in our daily activities ? 
4. State any two benefits of spreadsheet for a banker. 
5. How does recycling create employment ?
6. List the points of information required by a bank for initiating an RTGS remittance.

(3 marks questions)

1. Briefly explain any three features of a computer. 
2. Explain any three needs of CORE. 
3. What is ATM ? Explain any two security arrangements followed, to install an ATM at a place. 
4. State the difference between Fixed and Floating Rate of Interest. 
5. Explain any three factors affecting the ‘Market interest rates’.
6. What is meant by ‘Non-Performing Assets’ of a bank ?
7. What is Internet Banking ? What precautions should be taken by the bank customers for prevention of fraud and protection of their accounts ?

2020- 2021 FULL PAPER - CLICK HERE 

1. Which item is shown as the biggest amount on the income side of a bank’s Profit and Loss Account ? 
2. On which date are the final accounts of banks in India prepared ?
3. What is the need of opening a Demat Account ? 
4. State any two liabilities of the Bailee.
5. What is meant by front-end and back-end interest rates ? 
6. What does the term ‘Bank strong vault’ mean ?
7. Vishu invested < 10,000 for 4 years @10% per annum compounded annually. Find the total amount and interest received by Vishu. 
8. How does RBI act as a manager of Foreign exchange ? 
9. What is meant by CRR ? 
10. Give any five points of difference between Debit Card and Credit Card. 
11. What is meant by ‘mobile banking’ ? State any three points of importance of mobile banking for banks.
12. Explain the role of a bank branch manager. 
13. Explain the qualitative tools of monetary policy. 
14. Give proforma of the Balance Sheet of a bank.

2019-2020

1.  2 State four advantages of Demand Draft. 
2. 2 Explain the need of Bank Lockers to any individual. 
3.  2 What is a Clearing House ?
4. What are ‘fixed’ and ‘floating’ rates of interest ?
5. Define ‘Statutory Liquidity Ratio
6. Distinguish between Bank Rate and Base Rate.
7. What do you understand by EMI ?

3 marks questions 

1. What is a Letter of Credit ? Distinguish between a Letter of Credit and Bank Guarantee.
2.  Explain security issues associated with mobile banking.
3. State any three safety measures for bank branches stipulated by RBI
4. Calculate compound interest on a 5-year deposit for < 1,00,000 if rate of interest is 5% p.a. compounded annually.
5. Differentiate between ‘simple’ and ‘compound’ interest.
6. What do you mean by ‘Days of Grace’ ? Calculate the due date for the bill drawn on 29th January 2018 made payable one month after the date.
7.  What are ‘contingent liabilities’ ? How are these shown in a Bank’s Balance Sheet ? Write any three items shown under this head.
8. Explain different constituents of a Depository system.
9. What is Internet banking ? State its benefits from the customer’s as well as the Bank’s point of view.
10. Explain the process of cash withdrawal from ATMs.
11. Explain the role of a Branch Manager in the smooth conduct of bank’s activities.
12.  What is meant by Cash Reserve Ratio and Repo Rate ? Explain the effect of changes therein.
13. What are ‘Non-Performing Assets’ ? Explain its classification in details.
14. Explain the method of calculating interest on Savings Bank Accounts. On 1.4.2018 Sushil had a balance of < 75,000 with Yes Bank in his Savings Bank Account. He deposited < 1,50,000 on 7.4.2018 and < 50,000 on 30.4.2018 and withdrew < 1,50,000 on 9.4.2018 and < 62,500 on 24.5.2018. Calculate interest @ 6% p.a. for the period 1.4.2018 to 30.6.2018.

2018

1. Write the full form of ATM.
2. Write the names of any two Mutual Funds.
3.  On which side of the Balance Sheet of a Banking Company are ‘Deposits’ shown ?
4. What is ATM PIN ? When is it provided by the bank ?
5.  What is meant by ‘Back Office’ of a bank ?
6. What will be the due date for payment of a bill payable three months after date if it is drawn and accepted on 1st January, 2017 ?
7. What is meant by ‘Cash Reserve Ratio’ ?
8. What is meant by a Balance Sheet ? Why is it prepared ? Give the heading of the Balance Sheet of a Banking Company.
9.  State the three items appearing under the heading ‘Expenditure’ in the Profit and Loss Account of a Banking Company.
10. Under what major heads are the following categorised while preparing the Balance Sheet of a Banking Company ?
1. (a) Share Premium 
2. (b) Government Securities 
3. (c) Bills Payable
11. What is the difference between a Debit card and a Credit card ? Explain briefly.
12.  What is meant by Mobile banking ? How does it differ from using a mobile phone for making payments ?
13. What security arrangements should be made at the entrance gate of a bank branch ? Describe briefly.
14.  Distinguish between fixed and floating rates of interest.
15. What do you mean by Repo Rate and Reverse Repo Rate ?
16.  What is a Bank Locker ? Explain the process of hiring and operating a bank locker.
17. What is meant by CBS ? Give its full form. What are its benefits for banks and their customers ?
18. What is a Strong Room ? Where should it be located in a bank ? Briefly explain the procedure adopted for taking money out of the strong room.
19.  Distinguish between Simple interest and Compound interest. How is compound interest calculated ? What will be the compound interest on < 10,000 for three years @ 5% per annum ?
20. What is Statutory Liquidity Ratio ? Briefly explain the similarities and differences between Statutory Liquidity Ratio and Cash Reserve Rati

2015 full paper :- click here  

1. What is a Bank Reconciliation Statement ? Why is it prepared ?
2. What is a strong room ? Where is it situated in a bank ? 
3. What is a Voucher ? Why do banks prepare a voucher for each transaction ? 
4. Why are shares issued at a premium ? How is its amount shown in the Balance Sheet ? 
5. How would you take delivery of the goods pledged with a bank ? 
6. What is the difference between purchase and discounting of a bill of exchange by a bank ?
7.  Explain the difference between capital expenditure and revenue expenditure. Give examples.
8. How does a Bill of Exchange differ from a Promissory Note and a Cheque ?
9. Name parties to a Bill of Exchange. 
10. What is a Clearing House ? What is its function ? 
11. What do you understand by Money at Call and Short Notice ? Why do banks lend and borrow such money ?
12. Do banks open deposit accounts in the names of Non-Resident Indians ? Give names of these accounts. 
13. What is meant by forfeiture of shares ? Why are shares forfeited and how ?
14.  What do you understand by Non-Performing Assets (NPAs) of a bank ? When is an account treated as NPA ? 
15. What is Goodwill ? Why is a Goodwill Account opened at the time of admission of a new partner and retirement of an existing partner ? Why is it generally closed thereafter ? 
16. Explain the Principle of Conservatism. Why is it followed in accounting ? Explain with two examples. 
17. What is Leasing ? Explain its advantages. Distinguish between Operating Lease and Financial Lease.
18. Give any five measures to be adopted in connection with security arrangements in banks.
19. Distinguish between any two of the following : 
• (a) Cash credit and Bank overdraft
• (b) Secured loan and Unsecured loan 
• (c) Credit card and Debit card