Banking class 12 cbse Sample Question Paper 2025-26 question 17-19

video 16

Answer any 2 out of the given 3 questions in 30– 50 words each (3 x 2 = 6 marks) 

Q. 17 List any three Branch Manager’s duties as a Retail banker. 3 

Q. 18 What is the purpose of ATM? State any two uses of ATM. 3 

Q. 19 Distinguish between Simple Interest and compound Interest on any three points. 


 Q.17 Branch Manager’s duties as a Retail banker  

**Answer:**  

A Branch Manager oversees daily banking operations, manages staff performance, and ensures compliance with RBI guidelines. They focus on customer satisfaction, promote retail products like loans and deposits, handle complaints, and achieve business targets, making the branch efficient and profitable.  


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## Q.18 Purpose and uses of ATM  

**Answer:**  

An ATM provides customers with convenient, 24/7 banking access without visiting a branch. It allows cash withdrawals, deposits, balance inquiries, and fund transfers. ATMs save time, reduce workload on staff, and improve customer satisfaction by offering quick, self‑service banking facilities.  


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## Q.19 Difference between Simple Interest and Compound Interest  

**Answer:**  

- **Simple Interest**: Calculated only on the principal amount, remains constant over time.  

- **Compound Interest**: Calculated on principal plus accumulated interest, grows faster.  

- Simple Interest suits short‑term loans, while Compound Interest benefits long‑term investments, as it increases wealth through reinvestment of earned interest.  


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