Banking class 12 cbse Sample Question Paper 2025-26 question 12-16

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Answer any 3 out of the given 5 questions in 20 – 30 words each (2 x 3 = 6 marks)

Q. 12 Now-a-days single window system is adopted and cheque-drop boxes are maintained in bank branches. Explain these and discuss their significance. 

Q. 13 Distinguish between Debit card and Credit card.. 

Q. 14 List the functions of Front office of bank. 

Q. 15 Write a short note on reverse repo-rate. 

Q. 16 State two points of difference between BR and MIBOR. 


Q.12 Single window system and cheque‑drop boxes

Answer: The single window system allows customers to complete multiple banking services at one counter. Cheque‑drop boxes save time, reduce queues, and ensure faster processing.

Q.13 Distinguish between Debit card and Credit card

Answer: A debit card withdraws money directly from the customer’s account. A credit card allows borrowing from the bank up to a limit, repayable later with interest.

Q.14 Functions of Front office of bank

Answer: The front office handles customer queries, account opening, deposits, withdrawals, and service requests. It represents the bank’s image and ensures smooth customer interaction.

Q.15 Short note on reverse repo‑rate

Answer: The reverse repo rate is the interest rate at which RBI borrows money from banks. It helps control inflation and manage liquidity in the economy.

Q.16 Two points of difference between BR and MIBOR

Answer:

  • Bank Rate: Long‑term lending rate fixed by RBI.

  • MIBOR: Short‑term overnight rate decided by market demand and supply among banks.

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