Exam bachao

video 15 Answer any 3 out of the given 5 questions in 20 – 30 words each (2 x 3 = 6 marks) Q. 12 Nowadays a single-window system is adopted, and check-drop boxes are maintained in bank branches. Explain these and discuss their significance.  Q. 13 Distinguish between a debit card and a credit card.  Q. 14 List the functions of the front office of a bank.  Q. 15 Write a short note on the 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 fr...

video 13 i. Banker Lockers are not used for keeping Question: Banker Lockers are not used for keeping  a) Cash  b) Jewellery  c) Stock certificates  d) Home Deeds Explanations: Cash : Incorrect. Cash is not recommended to be kept in lockers because lockers are meant for valuables and documents, not for storing liquid money. Jewellery : Correct usage. People commonly keep gold, diamonds, and other jewellery in lockers for safety. Stock certificates : Correct usage. Important financial papers like stock certificates can be safely stored in lockers. Home deeds : Correct usage. Property papers and deeds are often kept in lockers for security. Right Answer: a) Cash ii. State the full form WAP. Question: State the full form WAP. Explanations: WAP stands for Wireless Application Protocol . It is a standard that allows mobile devices to access information over a wireless network. Right Answer: Wireless Application Protocol iii. Upon detection of a counterfeit note a...

banking class 12 mcq Q.2 (i) Which mode of Funds transfer takes longest time to transfer money to the payee? a. Cheque b. NEFT c. RTGS d. ECS Answer: a. Cheque Explanation of Options: Cheque: Takes the longest time because it requires physical clearing. Correct answer. NEFT: Electronic transfer, usually within hours. RTGS: Real-time transfer, immediate settlement. ECS: Electronic Clearing System, faster than cheque. Q.2 (ii) _____ is the name of process of converting black money to white money. a. Foreign exchange b. Laundering c. Money laundering d. Demonetization Answer: c. Money laundering Explanation of Options: Foreign exchange: Currency conversion, not related to black money. Laundering: General cleaning process, incomplete term. Money laundering: Correct answer, process of making illegal money appear legal. Demonetization: Withdrawal of currency notes, not conversion of black money. Q.2 Q.2 (iii) The _____ cabin has to be as far away as ...

 BANKING (SUBJECT CODE: 811) Sample Question Paper (part 2) for Class XII (Session 2024-2025)  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. 2  A. 12  It is due to Online Banking that the physical movement of customers is reduced to bank branchand also time is precious where no customer is kept waiting for depositing their cheques (account payee)  that’s why drop box concept is introduced.  Q. 13  Distinguish between Debit card and Credit card.. 2  A.13 In Debit card a person is spending his own money but in credit card it is borrowed funds. In debit card you need to be a accountholder of bank but it is not a necessity in credit card.  Q. 14  List the functions of Front office of bank. 2  A.14 Front office is responsible to take care of the customer needs and also to get new customers for the Bank. Their main activ...

 BANKING (SUBJECT CODE: 811) Sample Question Paper (part 1)for Class XII (Session 2024-2025) Q. Answer any 5 out of the given 7 questions (1 x 5 = 5 marks) i.  Which mode of Funds transfer takes longest time to transfer money to the payee?  a. Cheque  b. NEFT  c. RTGS  d. ECS  ii.  _________is the name of process of converting black money to white money.  a. Foreign exchange  b. Laundering  c. Money laundering  d. Demonetization                                                                                                                                  iii.  The ____ cabin has to be as far away a...

 Previous year question Paper for Banking code 2020- 2021 Why is listening to a customer by the front office employee of a bank very important ?  State any two points of importance of self-motivation.  How can we reduce greenhouse gas emission by making some changes in our daily activities ?  State any two benefits of spreadsheet for a banker.  How does recycling create employment ? List the points of information required by a bank for initiating an RTGS remittance. (3 marks questions) Briefly explain any three features of a computer.  Explain any three needs of CORE.  What is ATM ? Explain any two security arrangements followed, to install an ATM at a place.  State the difference between Fixed and Floating Rate of Interest.  Explain any three factors affecting the ‘Market interest rates’. What is meant by ‘Non-Performing Assets’ of a bank ? What is Internet Banking ? What precautions should be taken by the bank customers for prevention of fr...

Banking /class 12  Unit 5  RESERVE BANK OF INDIA REGULATION ON BANKS Instruments of Monetary Policy Qualitative Instruments These are indirect tools used by central banks to influence the economy through qualitative measures. 1. Moral Suasion    - Definition: The central bank persuades or advises banks to follow certain policies or guidelines.    - Impact: Helps in achieving desired monetary outcomes without direct intervention.    - Examples: Advising banks to control credit growth or limit loans to certain sectors. 2. Selective Credit Controls    - Definition: Specific measures targeted at certain sectors or types of credit.    - Impact: Aims to regulate the flow of credit in particular areas of the economy.    - Examples: Imposing higher margin requirements for loans against stocks or real estate. 3. Direct Action    - Definition: Directives or policies imposed by the central bank to control the banking s...

 Calculation of Simple Interest and Compound Interest As the major activities of a bank are accepting deposits and giving loans, Depositors require monetary compensation for partingwith their moneybywayof deposits with the bank. ‘Interest’ is the incentive or reward paid to the depositors for postponing their other expenditures and keeping the money with the bank. Banks use the deposits to lend to the needy borrowers. Borrowers borrow money because they do not have money which they need it. So if somebody gives them the needed money, the borrower should be prepared to compensate the lender. This is called ‘interest’. So it is clear that whenever funds are lent or borrowed, the question of receiving or paying ‘interest’ arises; Factors affecting Market interest rates:   Opportunity cost: Opportunity cost refers to any other use to which the money could be put, for example lending to others or investing elsewhere. If one can get a higher return elsewhere, the interest rate on l...