Goa Board Class 12 Sample Paper 2026 Banking (CWSN)

DISTRIBUTION OF UNITS AND MARKS AS PER THE EXAMINATIONS TO BE
HELD DURING THE ACADEMIC YEAR 2025- 2026
SUBJECT: BANKING (COMMERCE) CWSN STD: XII

The weightage/distribution of marks over different dimensions of the question paper shall
be as follows:
1) Weightage to Learning Outcomes

Sr. Learning Outcomes Marks Percentage
No.
1 Knowledge 56 80 %
2 Understanding 14 20 %
TOTAL 70 Marks 100 %

2) Weightage to Difficulty Level of questions.
Sr. Estimated Difficulty Marks Percentage
No. Level
1 Easy 56 80 %
2 Average 14 20 %
TOTAL 70 Marks 100 %

3) Weightage to Content/Subject Units Duration : 3 hours
Sr. UNITS Topics Marks
No
1. Unit 1- Final Accounts of Banking Companies 10
2. Banking Regulation Act -1949 10
3. Unit 2 – Banks and International Trade 14
4. Unit 3 – Banker- Customer Relationship & Banker’s Rights 10
5. Ancillary Services 06
6. Unit 4- Loans & Advances 12
7. Priority Sector Advances 08
TOTAL 70

FINAL PRACTICAL EXAMINATION
Duration: 90 Minutes Max. Marks: 20
Q. No. Topic Marks
1 Problem 4
2 A. Specimen 3
B. Specimen 3
3 Problem 4
4 Application form 4
Journal 2
Total 20

Note:
The guidelines/ general instructions for the assessment of answer booklets
of candidates by the internal and external examiners together, will be as
follows:

I. The External Examiner will assess
Q.1 (1 problem) of 4 marks
Q.2. A) and B) (2 Specimens) of 3 marks each

II. The Internal Examiner will assess
Q.3 (1 problem) of 4 marks and
Q.4 (1 application form) of 4 marks each.

The internal examiner will also assign marks (Max 02 marks) for the certified
journal.

BANKING PRACTICALS SYLLABUS FOR STANDARD XII COMMERCE (CWSN)

A) PROBLEMS

1. Safe custody of articles- Power of attorney
2. Arrest of a customer
3. Garnishee order
4. Set-off against the account of a partnership firm
5. Letter of credit
6. Remittance of funds- Telegraphic transfer

B) SPECIMENS OF
1. Demand Draft
2. Demand Promissory Note

C) APPLICATION FORM FOR
1. Travelers cheques
2. Loan against term deposits
3. Loan for Housing Loan

Reference books:
Banking Theory Law and Practice- B.S. Raman,
Banking Law and Practice- P.N. Varshney and H.C Agarval
Practical Problems on Commercial Banking- H.C Agarval

MARKING SCHEME AND SUGGESTED TOPICS FOR PROJECT WORK
STANDARD XII BANKING (CWSN) (2025-2026)
Maximum Marks For The Project: 10 marks
1. Field work (bank visit, visit to an organization, interview etc.) ------ 02 Marks
2. Project Report (10 to 15 project pages) ------- 04 Marks
3. Presentation (ppt, working model, charts, questionnaire etc.) ------- 02 Marks
4. Viva ------- 02 Marks
SUGGESTED TOPICS FOR PROJECT WORK

1) Visit a bank and find out the procedure for opening and operating a bank locker.
Points to be covered in the project report:
 Documents needed to open the locker
 locker agreement.
 minimum deposit required and rent payable
 procedure for taking articles and returning of the same to the bank
 precautions taken by banker before accepting valuables to be kept in locker

2) Role of international trade in the growth of a country

Points to be covered in the project report:
 Identifying key banks.
 Develop a structured questionnaire.
 Visit a bank that deals with international trade transactions.
 Enlist the documents required
 Conduct interviews with bankers/ policy makers/ business owners involved in
import/ export activities.

3. Visit a bank and find out the procedure for purchasing a vehicle on hypothecation
Points to be covered in the project report:
 Eligibility for Purchase of Vehicle (security) under Hypothecation method of
Charge
 Effect of default of loan installment
 Closure of the loan, letter of hypothecation ,
 Find out the common problems faced by the banker as a hypothecatee

4. Role of Technology in Banking
Points to be covered in the project report:
 Find out role and use of technology in Banking
 How technology has increased the operational effectiveness of Banks in our
country.
 Find out the impact of online and mobile banking
 How customers can now access a wide range of banking services.

5. Seek educational loan and career in banking

Points to be covered in the project report:
 Student has to visit a selected bank and find out about the educational loans provided
by a bank.
 Find out the procedure and various documents required for obtaining an educational
loan along with the eligibility and terms and conditions imposed by a bank.
 Find out information about banking exams and the different books to be referred for
the same to appear in order to make a career in banking.

6. Bank Finance to self-employed person
Points to be covered in the project report:
 Student has to visit a selected bank and gather information about the bank loan
products offered to self-employed professional.
 Find out the procedure and different documents required for applying for such a
loan along with the eligibility criteria and terms and conditions applied for such
loan.
 Student will than interview any one of the customer of the same bank who has got
the benefits of such loan.

7. Loan to set up a small business
Points to be covered in the project report:
 Student to prepare a project proposal to set up a supermarket/ restaurant/stationary
shop etc.
 Approach a bank with the proposal and inquire how much finance the bank would
provide, margin amount, terms and conditions of the advance, security to be
provided, scheme of repayment etc.

NOTE: The Teacher can use his/her discretion to give any other topic to students
besides the ones mentioned above and guide the student in completing the project
work successfully.

I. MID TERM TEST
Duration: 1 hour Max. Marks: 20
Unit No. Name of the Unit Marks
Unit 1 A. Final accounts of banks 06
B. Banking Regulation Act, 1949 14
Total 20

II. FIRST TERM EXAMINATION
Duration: 2 1/2 hours Max. Marks: 60
Unit No. Name of the Unit Marks
Unit 1 A. Final accounts of banks 10
B. Banking Regulation Act, 1949 20
Unit 2 Banks and International Trade 20
Unit 3 Banker Customer Relationship 10
Total 60

III. FIRST TERM PRACTICAL EXAM
Duration: 1 1/2 hours Max. Marks: 20
Problems Any one problem 4 marks
Specimens Any two Specimens 6 marks
Problems Any one problem 4 marks
Application Any one Form 4 marks
forms
Journal Complete journal 2 marks
TOTAL 20 MARKS

NOTE: The Teacher can use his discretion to test the students on any topic of his
choice for the mid-term test and first term examination. The above are only suggested
topics.

BLUE PRINT FINAL EXAM (2025-26) CWSN STD. XII BANKING (Commerce)
Objectives KNOWLEDGE UNDERSTANDING
Content MCQs Fill in Match One Two MCQs Fill in Match One Two TOTAL
Area the the sentence sentences the the sentence sentences
blanks Column SA-I SA-II blanks Column SA-I SA-II
Unit I
Banking 5(1) 3(1) 1(2) 10
Regulation
Act
Final Acc. 5(1) 3(1) 2(1) 10
Of Banks
Unit II
Banks and 3(1) 2(1) 2(1) 5(1) 2(1) 14
International
Trade
Unit III
Gen. 3(1) 3(1) 2(1) 2(1) 10
Relationship
bet. A
Banker and
Customer

Ancillary 2(1) 2(1) 1(2) 6
Services
Unit IV
Loans & 3(1) 2(1) 3(1) 2(1) 2(1) 12
Advances

Priority 1(1) 1(1) 3(2) 08
Sector Adv.

TOTAL 19 (1) 15 (1) 10 (1) 10(1) 1(2) 6(1) 4(2) 70
Knowledge= 56 (80 %) Understanding= 14 (20 %)

BANKING -MODEL QUESTION PAPER
STANDARD XII BANKING (CWSN)
2025-2026
TIME: 3 Hours Maximum Marks: 70

INSTRUCTIONS:
1. All questions are compulsory.
2. This question paper consists of 65 questions.
3. Figures to the right indicate maximum marks.
4. Write your answers as per the instructions given.
5. Answer in the space provided.

Note: This is a question paper cum answer booklet.

I. Select the correct alternative from the options given to complete the
statement/answer the question. Write only the answer in the space
provided.

1. Identify the institution that manages and controls the operations of 01
banking companies in India.
 SBI
 RBI
 RBL
 IDBI

Ans: __________________________

2. Which section of the Banking Regulation Act, 1949 defines a Banking 01
Company as “any company that transacts the business of banking in
India”?
 Section 5 1 (a)
 Section 5 1 (b)
 Section 5 1 (c)
 Section 5 1 (d)

Ans: __________________________

3. “Banks performs multiple functions”. In view of this statement” 01
which of the following is not a function of Banks?

 Selling of goods
 Lending funds
 Accepting deposits
 Collection of Bills

Ans: __________________________

4. What is the minimum number of years for which a banker can hold 01
immovable property for the purpose of conducting the business of
banking?
 3 years
 5 years
 7 years
 9 years

Ans: __________________________

5. Under what circumstances can the RBI cancel the license of a 01
Banking Company in India?

 When the Bank is able to pay its debts
 When the Bank follows the terms and conditions set by the
RBI
 When it is operating in the interest of the depositors
 When the Bank does not carry the business of banking

Ans: __________________________

6. In which Schedule does the item ‘Bank Overdraft’ feature? 01

 Investment
 Advances
 Fixed Assets
 Other Assets

Ans: __________________________

7. Under which Schedule does the item ‘’Miscellaneous Income’ appear, 01
in the Profit and Loss Account of the Banking Company functioning
in India.

 Other Income
 Interest Earned
 Operating Expenses
 Interest Expended

Ans: __________________________

8. As per the Banking Regulation Act, 1949, under which Schedule does 01
the item ‘Printing and Stationery’ appear?

 Schedule No.13
 Schedule No.14
 Schedule No.15
 Schedule No.16

Ans: __________________________

9. Which of the following will not appear under the ‘schedule: 11 of the 01
Balance Sheet of the Banking Company?

 Interest Accrued
 Stationary and stamps
 Cash Credit
 Inter-office adjustment

Ans: __________________________

10. Under which Schedule does the item ‘Premises’ appear, in the Final 01
Accounts of the Banking Companies?

 Fixed Assets
 Borrowings
 Investments
 Contingent liabilities

Ans: __________________________

11. Which of the following document will help custom officials in 01
identifying the place of production of the consignment?
 Health Certificate
 Commercial Invoice
 Certificate of Origin
 Bill of Lading

Ans: __________________________

12. The price quotation which covers all the costs of supplying the 01
consignment from the exporter’s warehouse to the warehouse of the
importer is ________________
 Franco
 FAS
 FOB
 LOCO
Ans: __________________________

13. An instrument offered by banks which ensures safety of funds while 01
travelling abroad is ______________
 Demand Draft
 Traveller’s Cheque
 Traveller’s Note
 Promissory Note

Ans: __________________________

14. Identify the type of letter of credit which allows the exporter to 01
receive payment without submitting documents to the advising bank.
 Documentary letter of credit
 Clean letter of credit
 Confirmed letter of credit
 Fixed letter of credit

Ans: __________________________

15. Which price quotation includes only the cost of the goods available at 01
the warehouse of the exporter?
 Franco
 FAS
 FOB
 LOCO

Ans: __________________________

16. Under what circumstance can a banker honour his customer’s cheque? 01

 When funds in the account are insufficient
 When funds are not applicable to the payment of the cheque
 When the cheque is in order
 When there is legal bar preventing the payment of the cheque

Ans: __________________________

17. The initial order issued by the court on the Banker regarding his 01
customer, who is indebted to another is ________________

 Order Nisi
 Order Absolute
 Both Order Nisi and Order Absolute
 Order Garnishee

Ans: __________________________

18. Under what circumstances banker is justify to disclose the details of 01
customer’s account?

 When there is no express consent of the customer
 When there is no implied consent of the customer
 When he is not compelled by the law of the country
 When he is under a public duty to disclose

Ans: __________________________

19. The final Order in the issue of a Garnishee Order is _____________ 01

 Order Nisi
 Order Absolute
 Order Garnishee
 Final Order

Ans: __________________________

20. In the Trustee- Beneficiary relationship, the customer of a bank is 01
referred to as the _______________

 Agent
 Bailee
 Trustee
 Beneficiary

Ans: __________________________

21. The principle of sound lending which ensures that the asset used as 01
security can be easily sold is ____________
 Profitability
 Liquidity
 Spread
 Creditworthiness

Ans: __________________________

22. What do the three C’s of the borrower study and status report denote? 01
 Cooperation, consent, care
 Character, capacity, creditworthiness
 Capacity, courage, character
 Creditworthiness, cost worthiness, comparison

Ans: __________________________

23. Which of the following is a disadvantage of accepting fixed deposit 01
receipts as security against a bank advance?
 Liquidity
 Forgery
 Maintenance
 Appreciation in value

Ans: __________________________

24. Identify the method of charge that the banker will create when an 01
advance is provided to the borrower to purchase a vehicle.
 Lien
 Pledge
 Hypothecation
 Mortgage

Ans: __________________________

25. Which of the following factor is thoroughly checked by banks before 01
allowing advances to borrowers?
 The borrowers family background
 The repayment capacity and creditworthiness of the borrower
 The creditworthiness of his relatives
 The locality where the borrower lives

Ans: __________________________

II. Fill in the blanks by choosing the correct alternative from those
given in the bracket.

(5 years, 10 years, RBI, Schedule 2, Schedule 3, Profit and Loss
Account and Balance Sheet, Health Certificate, CIF, Agent-Principal,
Bailee , Garnishee Order, Traveller’s Cheque , administrator principle
of spread, assignment)

26. The tenure of a full time Chairman appointed for a banking Company 01
operating in India is______________.
Ans: __________________________

27. Every bank needs to file an annual return with the RBI in respect of 01
accounts not operated for more than _____________.
Ans: __________________________

28. Any banking company operating in India can voluntarily wind up its 01
banking business after seeking prior permission from the __________
Ans: __________________________

29. “Term Deposit’ form a part of the schedule number ________. 01
Ans: __________________________

30. ‘Reserve and Surplus’ appear in the schedule number___________. 01
Ans: __________________________

31. The final accounts of a banking company include _____________. 01
Ans: __________________________

32. A shipping document which states that the goods being exported are 01
safe for consumption is ________________
Ans: __________________________

33. The type of price quotation which includes the cost of the 01
consignment, freight and insurance charges is termed as _________
Ans: __________________________

34. When a banker purchases and sells securities on behalf of a customer, 01
the relationship between a banker and the customer will be
______________.
Ans: __________________________

35. The legal position of the banker, when he receives gold ornaments for 01
safe keeping, termed as ___________.
Ans: __________________________

36. An order issued by the court on the banker, when the debtor fails to 01
pay the debt to his creditor is known as__________.
Ans: __________________________

37. A banking facility that can be availed of by a person who intends to 01
visit several places and make payments safely is ________________
Ans: __________________________

38. The person appointed by the court to wind up the property of the 01
deceased is referred to as an _____________.
Ans: __________________________

39. Advancing funds to borrowers across different sectors of the economy 01
is a feature of ________________
Ans: __________________________

40. A method of creating a charge securities to cover loans is __________ 01
Ans: __________________________

III. Match Column ‘A’ with column ‘B’ and write the correct answer
in the space provided in Column ‘C’:
Column A Column B Column C
(Answers)
41. Profit and Loss Expenditure 01
Account
42. Balance Sheet Capital and Liabilities 01

43. Mode of payment in Letter of Credit 01
International trade

44. Most expensive FRANCO 01
price quotation
45. Cashless payment Debit Card 01

46. Probate of Will Executor 01
47. Method of creating a Mortgage 01
charge on
immovable
securities
48. Principles of good Safety, liquidity, spread 01
lending
49. Characteristics of Liquidity, margin, 01
good security ownership
50. Agriculture, self- Priority Sectors 01
employed, Small
Scale Industries

IV. Answer the following questions:

51. What is meant by the term ‘international trade’? 01
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________

52. State one advantage of international trade. 01
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________

53. What is a Loco Price Quotation? 01
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________

54. State one feature of the banker’s right of general lien. 01
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________

55. What is meant by the banker’s right of setoff? 01
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________

56. State one way in which the EXIM Bank encourages India’s foreign 01
trade activities.
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________

57. Highlight one point of importance of the ECGC in promoting 01
international trade.
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________

58. State one advantage of ‘goods’ as security to cover a loan. 01
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________

59. State one disadvantage of ‘gold ornaments’ as security to cover a 01
loan.
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________

60. State one factor that the banker needs to keep in mind before allowing 01
a loan to a self-employed person.
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________

V. Answer the following questions:

61. What are the objectives of passing the Banking Regulation Act, 1949? 02
(any two points)
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________
________________________________________________________
__________________________________________________________________

62. What precautions must a bank take when an agriculturist applies for a 02
loan? (two points)
Ans: ____________________________________________________

________________________________________________________
__________________________________________________________________
________________________________________________________
__________________________________________________________________

63. Distinguish between “Credit Card” and “Debit Card “(any two points) 02
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________
________________________________________________________
__________________________________________________________________

64. What precautions must a bank take when a transport operator applies 02
for a loan? (two points)
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________
________________________________________________________
__________________________________________________________________

65. What factors must the banker consider before giving a loan to a 02
trader? (two points)
Ans: ____________________________________________________
________________________________________________________
__________________________________________________________________
________________________________________________________
__________________________________________________________________

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