Goa Board Class 12 Question Paper Mar 2019 Banking Financial Service and Insurance

2019 III 20 1000 Seat No.

Time : 1½ Hours BANKING FINANCIAL SERVICE & INSURANCE
Subject Code

H 0 8 4
Total No. of Questions : 3 (Printed Pages : 5) Maximum Marks : 30

INSTRUCTIONS : (i) Answer each question on a fresh page.

(ii) Write the question number and sub-question number
clearly.

(iii) All questions are compulsory.

(iv) Figures to the right indicate full marks.

1. (A) Choose the correct alternatives from those given below each statement
and rewrite the complete statement : 3

(I) Ceiling amount on investment in plant and machinery for micro
enterprise is upto .................................. lakhs.

(a) 25

(b) 05

(c) 10

(d) 20

(II) A person who starts his own enterprise is known
as ............................... .

(a) Doctor

(b) Banker

(c) Debtor

(d) Entrepreneur

(III) Direct finance to ............................... includes short and long term
loan given for farming and allied activities.

(a) industry

(b) company

(c) enterprise

(d) agriculture

(IV) Swarna Jayanti Gram Swarozgar Yojana covers all aspects of
self ............................... .

(a) credit

(b) employment

(c) help group

(d) insurance

(V) The assets which have generally shorter life span as compared
to fixed assets are called as ............................... .

(a) other

(b) current

(c) performing

(d) non-performing

(VI) Current assets divided by current liabilities give ...............................
ratio.

(a) fixed

(b) quick

(c) cash

(d) current

(B) Answer the following in more than two sentences each : 3

(I) State four qualities of an entrepreneur.

(II) Explain objective of Prime Minister Rozgar Yojana.

(III) What is meant by contingent liability ?

(C) Answer the following in more than four sentences each : 4

(I) As a banker, explain what are the KYC norms to be fulfilled

to open a demat account.

(II) State and explain two merits of MSMEs to Indian economy.

2. (A) Choose and correct alternatives from those given below each statement

and rewrite the complete statement : 3

(I) Banking Ombudsman Scheme was formulated in ...............................

year.

(i) 1991

(ii) 1992

(iii) 2005

(iv) 1995

(II) TDS means ............................... .

(i) Tax Deduction at Source

(ii) Tax Difficulty at Source

(iii) Tax Difference at Source

(iv) Tax Dispute at Source

(III) Nomination procedures are given in Banking Company
(Nomination) Rules was passed in ............................... .

(i) 1985

(ii) 1995

(iii) 2005

(iv) 2015

(IV) Settlement of claim within ` ............................... lakh is the threshold
limit application to a deceased depositor.

(i) three

(ii) five

(iii) ten

(iv) two

(V) The volatility of the potential outcome is known
as ............................... .

(i) Risk

(ii) Debt

(iii) Deposit

(iv) Credit

(VI) The risk which arises due to technology is called
as ............................... .

(i) Cyber security

(ii) Loan

(iii) Deposit

(iv) Liquidity

(B) Answer the following questions in more than two sentences each : 3

(I) Explain one strategy to improve customer experience at bank.

(II) State various steps involved in follow-up of advances.

(III) What is meant by Non-performing Assets ?

(C) Answer the following questions in more than four sentences each : 4

(I) As a bank manager explain farm credit facility under priority

sector lending.

(II) Difference between fixed asset and current asset.

3. (A) Answer the following questions in more than two sentences each : 3

(I) State two features of nomination.

(II) Explain the concept of risk monitoring.

(III) What is meant by market risk ?

(B) Answer the following questions in more than four sentences each : 4

(I) Mr. Narayan, branch manager of a bank is told by Chairman

of the bank to prepare a presentation on benefits of customer

meeting in bank. Explain points to be included.

(II) Explain the concept of loan review mechanism.

(C) Draw a diagram and explain procedure for buying of shares using valid

demat account. 3