CBSE Class 12 Sample Paper 2026 Solution for Banking

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CBSE | DEPARTMENT OF SKILL EDUCATION
BANKING (SUBJECT CODE: 811)
MARKING SCHEME FOR CLASS XII (SESSION 2025-2026)
Max. Time: 3 Hours Max. Marks: 60
General Instructions:
1. Please read the instructions carefully.
2. This Question Paper consists of 24 questions in two sections – Section A & Section
B.
3. Section A has Objective type questions whereas Section B contains Subjective type
questions.
4. Out of the given (6 + 18 =) 24 questions, a candidate has to answer (6 + 11 =) 17
questions in the allotted (maximum) time of 3 hours.
5. All questions of a particular section must be attempted in the correct order.
6. SECTION A - OBJECTIVE TYPE QUESTIONS (30 MARKS):
i. This section has 06 questions.
ii. There is no negative marking.
iii. Do as per the instructions given.
iv. Marks allotted are mentioned against each question/part.
7. SECTION B – SUBJECTIVE TYPE QUESTIONS (30 MARKS):
i. This section contains 18 questions.
ii. A candidate has to do 11 questions.
iii. Do as per the instructions given.
iv. Marks allotted are mentioned against each question/part.
SECTION A: OBJECTIVE TYPE QUESTIONS
Source Material Page
Unit/
(NCERT/PSSCIVE/ no. of
Q. No. QUESTION Chap. Marks
CBSE Study source
No.
Material) material
Q. 1 Answer any 4 out of the given 6 questions on Employability Skills (1 x 4 =
4 marks)
i. (b) Verbal Communication NCERT 1 6 1
ii. 1. Be proactive 2. Learn from NCERT 2 24-25 1
failure ( or any other valid
points)
iii. (a) Borderline NCERT 2 35 1
iv. (C) perseverance NCERT 4 97 1
v. (a)AIR NCERT 5 116 1
vi. (C) Slides NCERT 3 69 1
Q. 2 Answer any 5 out of the given 7 questions (1 x 5 = 5 marks)
i. (a) Cheque CBSE Study 1 26 1
Material
ii. ( C ) Money Laundering CBSE Study 2 85 1
Material
iii. ( a) Tellers’ CBSE Study 3 91 1
Material
iv. ( c) Interest rate in the future is CBSE Study 4 123 1
lower Material

811 Banking MS XII 1

v. ( b) Establish tax policies CBSE Study 5 125 1
Material
vi. ( a) Income CBSE Study 6 122 1
Material
vii. Know your customer CBSE Study 1 16,68 1
Material
Q. 3 Answer any 6 out of the given 7 questions (1 x 6 = 6 marks)
i. ( d) Can be changed CBSE Study 1 18 1
Material
ii. ( a) e-banking CBSE Study 2 79 1
Material
iii. Manager CBSE Study 3 90 1
Material
iv. ( c ) Income CBSE Study 6 143 1
Material
v. Direct Action (any other valid CBSE Study 5 127 1
tool) Material
vi. (a ) Non-Performing Asset CBSE Study 6 150 1
Material
vii. (d ) Performance Guarantee CBSE Study 1 28 1
Material
Q. 4 Answer any 5 out of the given 6 questions (1 x 5 = 5 marks)
i. ( a) Revolving Loan limit CBSE Study 1 43 1
Material
ii. ( b) Spoofing CBSE Study 2 73 1
Material
iii. Direct Selling Agent CBSE Study 3 99 1
Material
iv. Interest CBSE Study 4 120 1
Material
v. ( c) Fiscal Policy CBSE Study 5 126 1
Material
vi. (a)Generally Accepted CBSE Study 6 144 1
Accounting Principles Material

Q. 5 Answer any 5 out of the given 6 questions (1 x 5 = 5 marks)
i. ( b) Letter of credit CBSE Study 1 33 1
Material
ii. Keyboard CBSE Study 2 62 1
Material
iii. CBSE Study 3 92 1
( c) Strong room
Material
iv. a) Fixed CBSE Study 4 122 1
Material
v. ( b) Bankers' Bank CBSE Study 5 125 1
Material
vi. ( b) Upfront Commission CBSE Study 1 36 1
Material
Q. 6 Answer any 5 out of the given 6 questions (1 x 5 = 5 marks)
i. ( a ) Cash CBSE Study 1 17 1
Material
ii. Wireless Application Protocol. CBSE Study 2 75 1
Material

811 Banking MS XII 2

iii. d) Impound the Note and CBSE Study 3 92 1
issue receipt Material
iv. (b) Decrease CBSE Study 4 120 1
Material
v. (a) Bank Rate CBSE Study 5 135 1
Material
vi. ( a) Sub-standard asset CBSE Study 6 150 1
Material

SECTION B: SUBJECTIVE TYPE QUESTIONS
Source Material Page no.
Unit/
(NCERT/PSSCIVE/ of
Q. No. QUESTION Chap. Marks
CBSE Study source
No.
Material) material
Answer any 3 out of the given 5 questions on Employability Skills in 20 – 30 words each
(2 x 3 = 6 marks)
Q. 7 Stress is a state of feeling NCERT 2 26 2
upset, annoyed and hopeless.
To manage stress we need to
be positive and Keep your
thoughts in present.
Q. 8 ● Effective NCERT 1 7 2
communication is a
must even in everyday
life and we should be
alert to barrier in
communication and do
active listening
● To communicate and
cater to the customer’s
needs.

Q. 9 A presentation is a systematic NCERT 3 70 2
display of information. He can
systematically showcase the
reports using technology and
with graphical presentation
Q. 10 In the process of NCERT 4 93 2
entrepreneurship, many fears
serve as obstacles in taking
action. If entrepreneurs don’t
confront them, the fears can
ultimately consume them.
 Fear of failure
 Fear of being
pushed into
uncomfortable
situation

811 Banking MS XII 3

Q. 11 Recycling materials helps the NCERT 5 115 2
environment by reducing
wastages and improves the
efficiency too
Answer any 3 out of the given 5 questions in 20 – 30 words each (2 x 3 = 6 marks)
Q. 12 It is due to Online Banking that CBSE Study 2 79/80 2
the physical movement of Material
customers is reduced to bank
branch and 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 In Debit card a person is CBSE Study 1 44 2
spending his own money but Material
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 Front office is responsible to CBSE Study 3 93 2
take care of the customer Material
needs and also to get new
customers for the Bank. Their
main activity is to sign up new
customers for the Bank.
Q. 15 Reverse Repo Rate is defined CBSE Study 5 130 2
as the rate at which the Material
Reserve Bank of India (RBI)
borrows money from banks for
the short term. It is an
important monetary policy tool
employed by the RBI to
maintain liquidity and check
inflation in the economy. The
Reverse Repo Rate helps the
RBI get money from the banks
when it needs.
Q. 16 BR stands for bank’s base CBSE Study 4 112 2
rate whereas MIBOR stands Material
for Mumbai Inter Bank Offered
Rate.
BR does not change daily but
changes as and when
economic situations warrant.
MIBOR is decided on a daily
basis based on the demand
for and supply of funds among
banks.

811 Banking MS XII 4

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

Q. 17 1.He represents the bank as CBSE Study 3 90 3
far as the customers are Material
concerned and so he is
entirely responsible for the
smooth conduct of the branch.
2.The BM should take
responsibility to ensure that
the ambience in the branch
premises is very pleasant for
the customer to visit and
conduct business.
3.He should conduct
periodical meetings of all staff
members to discuss the
bank’s performance, the
branch’s performance.

Q. 18 ATM is a computerized CBSE Study 2 81 3
machine that provides the Material
customers of banks the facility
of accessing their account for
dispensing cash and to carry
out other financial & non-
financial transactions without
the need to actually visit their
bank branch.

Uses of ATM:
1. 24-hour access to cash
2. View Account Balances
& Mini-statements
3. Change your PIN

Q. 19 CBSE Study 4 104 3
Simple Interest Compound Material
Interest
Less interest More Intere
PxRxT/100 P*(1+R/100
Constant Increased
principle Principle

811 Banking MS XII 5

Answer any 3 out of the given 5 questions in 50– 80 words each (4 x 3 = 12 marks)
Q. 20 Advantages of Demat CBSE Study 1 46 4
Account Material
 No Stamp duty on transfer
of securities.
 Immediate and fast
transfer of securities.
 Elimination of 'Bad
Deliveries'.
 Elimination of risk by loss,
theft, mutilation etc.
 Faster settlement and
disbursement of
Corporate benefits like
Bonus, Rights, Dividends
etc.

Q. 21 1. Accept deposits of different CBSE Study 3 89 4
types and maturities from the Material
public, offering them interest
on such deposits
2. Give different types of loans
for different amounts and
maturities to the public,
depending upon their needs
and creditworthiness;
3. Cash deposit / withdrawals
by customers from their
deposit accounts are allowed;
4. Exchange unusable
currency notes with
fresh/usable currency notes
with the customers on behalf
of the RBI;

Q. 22 (a) M will get CBSE Study 4 109 4
115,762.5(P*(1+R/100) Material
N)
(b) N will get 115000
(PxRxT/100)
(c) M will get more interest
because of
compounding of
amount.

811 Banking MS XII 6

Q. 23 Monetary Policy operates on CBSE Study 5 128-130 4
monetary magnitudes or Material
variables such as money
supply, interest rates and
availability of credit. Monetary
Policy ultimately operates
through its influence on
expenditure flows in the
economy.
Bank Rate: Bank rate is the
standard rate at which RBI is
prepared to buy or rediscount
bills of exchange or other
eligible commercial paper from
Banks
Base Rate: Reserve Bank of
India introduced the
Benchmark Prime Lending
Rate (BPLR) system which
was introduced in 2003. BPLR
was the rate at which a bank
was willing to lend to its most
trustworthy, low- risk
customer.
Q. 24 Liabilities are those items on CBSE Study 6 147 4
account of which the bank is Material
liable to pay others. They
denote other’s claims on the
bank.
Capital: Amount raised in
market before the bank starts
functioning.
Reserve fund is the
accumulated undistributed
profits of the bank.
The deposits of the public like
demand deposits, savings
deposits and fixed deposits
constitute an important item
on the liabilities side of the
balance sheet.
Borrowing from other banks:
The bank takes loans from
other banks, especially the
Central bank, in certain
extraordinary circumstances.

811 Banking MS XII 7

Study Materials
Notes

Model Papers Class 6 Notes

Sample Papers Class 7 Notes
Half Yearly Sample Papers Class 8 Notes

Class 9 Notes
Important Resources
Class 10 Notes
Periodic Table
Class 11 Notes
Writing Skills / Formats

Maps of India / World Class 12 Notes

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