HBSE Class 12 Question Paper 2024 Banking Financial Services and Insurance

Haryana Board

QUESTIONPDF

PAPERS
2024

HBSE PYQP

CLASS : 12th (Sr. Secondary) Code No. 1246
Series : SS/Annual Exam.-2024
Roll No.
BANKING FINANCIAL SERVICES AND INSURANCE
National Skills Qualification Framework (NSQF)
Level – 4
(Only for Fresh/Re-appear/Improvement/Additional Candidates)
Time allowed : 2 : 30 hours ] [ Maximum Marks : 60

• Ñi;k tk¡p dj ysa fd bl iz'u&i= esa eqfnzr i`"B 8 rFkk iz'u 30 gSaA
Please make sure that the printed pages in this question paper are 8 in number and
it contains 30 questions.

• iz'u&i= esa nkfgus gkFk dh vksj fn;s x;s dksM uEcj dks Nk= mÙkj&iqfLrdk ds eq[;&i`"B ij fy[ksaA

The Code No. on the right side of the question paper should be written by the
candidate on the front page of the answer-book.

• Ñi;k iz'u dk mÙkj fy[kuk 'kq: djus ls igys] iz'u dk Øekad vo'; fy[ksaA
Before beginning to answer a question, its Serial Number must be written.

• mÙkj&iqfLrdk ds chp esa [kkyh iUuk@iUus u NksMas+A
Don’t leave blank page/pages in your answer-book.

• mÙkj&iqfLrdk ds vfrfjDr dksbZ vU; 'khV ugha feysxhA vr% vko';drkuqlkj gh fy[ksa vkSj fy[kk mÙkj u
dkVsaA
Except answer-book, no extra sheet will be given. Write to the point and do not
strike the written answer.

1246 P. T. O.

(2) 1246
• ijh{kkFkhZ viuk jksy ua0 iz'u&i= ij vo'; fy[ksaA jksy ua0 ds vfrfjDr iz'u&i= ij vU; dqN Hkh u
fy[ksa vkSj oSdfYid iz'uksa ds mÙkjksa ij fdlh izdkj dk fu'kku u yxk,¡A
Candidates must write their Roll No. on the question paper. Except Roll No. do not
write anything on question paper and don't make any mark on answers of objective
type questions.

• d`i;k iz'uksa ds mÙkj nsus lss iwoZ ;g lqfuf'pr dj ysa fd iz'u&i= iw.kZ o lgh gS] ijh{kk ds mijkUr bl
lEcU/k esa dksbZ Hkh nkok Lohdkj ugha fd;k tk;sxkA
Before answering the questions, ensure that you have been supplied the correct and
complete question paper, no claim in this regard, will be entertained after
examination.

lkekU; funsZ'k %
General Instructions :
(i) lHkh iz'u vfuok;Z gSaA

All questions are compulsory.

(ii) izR;sd iz'u ds vad mlds lkeus fn;s x;s gSaA
Marks are indicated against each question.
(iii) vkids mÙkj vadkuqlkj gksus pkfg,A
Your answer should be according to their marks.

[ oLrqfu"B iz'u ]

[ Objective Type Questions ]

1. ,d izfrf"Br dEiuh xzkgdksa dks [kq'k j[krh gSA ¼lR;@vlR;½ 1
A reputable company keeps its customer happy. (True/False)

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2. ^lexz _.k* ,d ekbØksQkbusal m/kkjdrkZ dks mldh fuEu vko';drkvksa dks iwjk djus ds fy, LohÑr
fd;k tkrk gS % 1

(A) yEch&vof/k dh foÙkh; vko';drk,¡
(B) vYi&dkyhu foÙkh; vko';drk,¡
(C) mijksDr nksuksa
(D) mijksDr esa ls dksbZ ugha
'Composite loan' is sanctioned to a microfinance borrower for meeting his
following requirements :
(A) Long-term financial requirements

(B) Short-term financial requirements

(C) Both of the above
(D) None of the above

3. ,d bfPNr fMQkYVj ,d m/kkjdrkZ gS tks dqN fnuksa ds ckn fMQkYV jkf'k dk Hkqxrku djus dks rS;kj gSA 1
¼lR;@vlR;½
A willful defaulter is a borrower who is willing to pay the default amount after a
few days. (True/False)

4. lkekU;r% f'kdk;r fuEu dkj.kksa ls mRiUu gks ldrh gS % 1

(A) vf/kdkfj;ksa ds Kku esa deh
(B) vf/kdkfj;ksa dk fuEu vkRefo'okl Lrj
(C) vf/kdkfj;ksa dk mnklhu joS;k
(D) mijksDr lHkh

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(4) 1246
Normally complaints may arise due to the following :
(A) Lack of knowledge of the official
(B) Low confidence level of the official
(C) Indifferent attitude of the official
(D) All of the above

5. cSafdax uSfrdrk O;olk; ij ykxw gksus okys vkpj.k ds ------------ vkSj fu;e dh iz.kkyh dks lanfHkZr
djrk gSA ¼[kkyh LFkku Hkjsa½ 1
Banking ethics refers to the system of …………… and rules of the conduct
applied to business. (Fill in the blank)

6. cSadksa dh cSysal 'khV vkSj ykHk&gkfu [kkrs ds lkFk vU; oS/kkfud [kqykls cSd
a ksa ds okLrfod ifjn`'; dks
n'kkZrs gSaA ¼lR;@vlR;½ 1
The balance sheets and profit and loss accounts of banks along with other
statutory disclosures reflect the actual scenario of the banks. (True/False)

7. izcU/ku ds lkFk lh0 vkj0 ,e0 (CRM) Vheksa ds n`f"Vdks.k dks lk>k djds ,d cSad esa usrkvksa o
izcU/kdksa dh egÙoiw.kZ Hkwfedk gksuh pkfg,A ¼lR;@vlR;½ 1
Leaders/Managers in a bank should have an important role by sharing CRM
team's vision with the management. (True/False)

8. vkRe tkx#drk fdldh le> ds ckjs esa gS \ 1

(A) viuh t:jrksa (B) bPNk,¡
(C) vknrsa (D) O;ogkj vkSj Hkkouk,¡
Self awareness is about understanding one's :

(A) Own needs (B) Desires

(C) Habits (D) Behaviour and Feelings

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9. fdlh O;olk; esa xq.koÙkk dk izcU/ku djus dk vFkZ mRÑ"Vrk ds ekud dks cuk, j[kuk gSA ¼lR;@vlR;½ 1

Managing quality in a business means to maintain a standard of excellence.
(True/False)

10. eqf'dy gksus ij Hkh dqN djus dh {kerk tkjh j[kus dks dgk tkrk gS % 1

(A) igy (B) laxBukRed dkS'ky
(C) n`<+rk (D) mijksDr lHkh
The ability to continue to do something even when it is called difficult :

(A) Initiative (B) Organisational skills

(C) Perseverance (D) All of the above

11. vfHkO;atd lkekftd 'kSyh okyk fuEu izdkj dk gksrk gS % 1
(A) eq[kj (B) fopkj mUeq[k

(C) ckrsa djus okyk (D) mijksDr lHkh

Expressive social style follows are following :
(A) Assertive (B) Idea oriented
(C) Talkative (D) All of the above

12. lapkj 'kk;n yksxksa vkSj muds i;kZoj.k ds lkFk ckrphr dh izfØ;k ds :i esa gksrk gSA ¼lR;@vlR;½ 1
Communication may arise with people and their environment through
conversation process. (True/False)

13. KIOSK cSafdax ---------------- ds }kjk izLrqr fd;k x;kA ¼[kkyh LFkku Hkjsa½ 1
KIOSK banking was introduced by ……………… . (Fill in the blank)

14. LekVZ O;olk; xzkgdksa dh f'kdk;rksa ds egÙo dks --------------- gSA ¼[kkyh LFkku Hkjsa½ 1
Smart businesses ……………. the importance of complaints. (Fill in the blank)

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15. --------------- esa 'kkfey daiuh ds izfrfuf/k;ksa dks vdkmaV eSustj ;k fjys'kuf'ki eSut
s j dgk tkrk gSA 1
The representatives of the company involved in ……………. are called accounts
manager or relationship managers. (Fill in the blank)

[ vfry?kq
vfry?kq mÙkjh; iz'u ]
[ Very Short Answer Type Questions ]

16. lapkj dkS'ky ekbØksQkbusal vf/kdkfj;ksa ds fy, dSls lgk;d gS \ 2
How communication skills are helpful to microfinance executives ?

17. laLÑfr dh laosnu'khyrk ls vki D;k le>rs gSa \ 2

What do you understand by sensitivity towards culture ?

18. dk;Z LFky ij lapkj ds D;k Qk;ns gSa \ 2

What are advantages of communication at work place ?

19. lfØ; lquus ls D;k vk'k; gS \ 2

What is meant by active listening ?

20. ,d vkn'kZ deZpkjh dSls ifj.kke mUeq[k gksrk gS \ 2

How an ideal employee becomes result oriented ?

21. _.k Hkqxrku ds izdkj le>kb;sA 2

Explain the types of loan repayment.

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[ y?kq
y?kq mÙkj
mÙkjh;
Ùkjh; iz'u ]
[ Short Answer Type Questions ]

22. ,d lQy m|eh ds xq.kksa dh O;k[;k djsaA 3

Explain the qualities of a successful entrepreneur.

23. ,d O;fDrxr O;fDrRo ds ekinaMksa dk o.kZu djsaA 3
Describe the parameters of an individual personality.

24. v[k.Mrk] fu"i{k izFkkvksa vkSj vuqfpr O;kikj dh ifjHkk"kk nsaA 3

Give the definition of integrity, fair practices and unfair trade.

25. lfØ; lquus ds pj.kksa ij ,d fooj.k nsAa 3

Give details on the stages of the active listening.

26. gfjr ukSdfj;ksa ds D;k ykHk gSa \ 3
What are the benefits of green jobs ?

27. laxBukRed dkS'ky ij ,d foLr`r uksV nhft,A 3

Give a detailed note on organizational skills.

[ nh?kZ mÙkjh; iz'u ]

[ Long Answer Type Questions ]

28. cSafdax ysu&nsu D;k gSa \ ;g Hkh crk,¡ fd Hkqxrku fof/k esa psd D;ksa 'kkfey gSa \ 5
What are banking transactions ? Also explain why payment method includes
cheques ?

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vFkok
OR

xzkgd ds iz'uksa vkSj f'kdk;rksa dh O;k[;k djsAa xzkgdksa dh f'kdk;rksa vkSj eqn~nksa dks gy djus dh D;k
izfØ;k gS \
Explain customer querries and complaints. What is the process to resolve the
customer complaints and issues ?

29. cSafdax dk;Zdkfj.kh }kjk _.k vkosnd dh foÙkh; vko';drkvksa dk ewY;kadu fdl izdkj fd;k tkrk
gS \ 5
How are financial requirements of a loan applicant assessed by banking
executives ?

vFkok
vFkok
OR

fcØh ds ckn dh lsok,¡ D;k gSa \ fcØh ds ckn dh lsokvksa ds izdkjksa dh Hkh O;k[;k djsaA
What are post sale services ? Also explain the types of post sale services.

30. ekbØksQkbusal ,DthD;wfVo ds fy, vko';d lapkj dkS'ky ij ,d uksV fyf[k,A 5
Write a note on the communication skills required for microfinance executives.

vFkok
OR

leUo; dh izfØ;k vkSj blds egÙo dh O;k[;k djsaA
Explain the process of coordination and its importance.

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S

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