Banking class 12 cbse Sample Question Paper 2025-26 question 3

 Banking Q&A Practice (Class XII – SQP)

i. Nomination of bank locker once done can

a. Not be cancelled b. Be cancelled c. Not be changed d. Can be changed




Explanation:

  • Not be cancelled → Wrong. A nomination can be cancelled anytime.

  • Be cancelled → Correct. The locker holder can cancel nomination.

  • Not be changed → Wrong. It can be changed.

  • Can be changed → Correct. Nomination can be modified.

👉 Right Answer: (b) Be cancelled OR (d) Can be changed

ii. _________ refers to banking where transactions are carried out through internet.

a. e-banking b. e-delivery c. e-tickets d. e-commerce




Explanation:

  • e-banking → Correct. Online banking services like fund transfer, bill payment, etc.

  • e-delivery → Wrong. Refers to electronic delivery of services, not banking.

  • e-tickets → Wrong. Refers to online ticket booking.

  • e-commerce → Wrong. Refers to buying/selling goods online.

👉 Right Answer: (a) e-banking

iii. Who is responsible to hold periodical meetings of all staff members to discuss the bank’s performance with higher authorities?





Explanation:

  • The Branch Manager is responsible for conducting staff meetings and reviewing performance with higher authorities.

👉 Right Answer: Branch Manager

iv. Interest received on debenture held by bank is _________ to the bank.

a. Asset b. Liability c. Income d. Expense




Explanation:

  • Asset → Wrong. Asset is something owned, not earned.

  • Liability → Wrong. Liability means something owed.

  • Income → Correct. Interest earned is revenue.

  • Expense → Wrong. Expense is money spent.

👉 Right Answer: (c) Income

v. State the name of any one Qualitative instrument of Credit Control.






Explanation: Examples include:

  • Margin requirements

  • Credit rationing

  • Moral persuasion

👉 Right Answer: Any one qualitative instrument (e.g., Moral persuasion)

vi. In banking parlance, ‘NPA’ stands for

a. Non-Performing Asset b. Net Producing Asset c. Net Performing Asset d. Not Promoting Asset



Explanation:

  • Non-Performing Asset → Correct. Loans where interest/principal is overdue beyond 90 days.

  • Net Producing Asset → Wrong. No such term.

  • Net Performing Asset → Wrong. Incorrect terminology.

  • Not Promoting Asset → Wrong. Made-up option.

👉 Right Answer: (a) Non-Performing Asset

vii. Which of the following guarantees gives assurance that the task will be completed as agreed?

a. Financial Guarantee b. Bid bond Guarantee c. Guarantee for Warranty Obligation d. Performance Guarantee



Explanation:

  • Financial Guarantee → Wrong. Ensures financial obligations are met.

  • Bid bond Guarantee → Wrong. Used in tendering process.

  • Guarantee for Warranty Obligation → Wrong. Covers warranty claims.

  • Performance Guarantee → Correct. Ensures project/task completion as per contract.

👉 Right Answer: (d) Performance Guarantee

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