CBSE Class 12 Banking Question Paper 2020

H$moS> Z§.
Code No. 335
amob Z§. narjmWu H$moS >H$mo CÎma-nwpñVH$m Ho$ _wI-n¥ð
Roll No. >na Adí` {bIo§ &
Candidates must write the Code on the
title page of the answer-book.

ZmoQ> NOTE
(I) H¥$n`m Om±M H$a b| {H$ Bg àíZ-nÌ _o§ _w{ÐV (I) Please check that this question
n¥ð> 11 h¢ & paper contains 11 printed pages.

(II) àíZ-nÌ _| Xm{hZo hmW H$s Amoa {XE JE H$moS (II) Code number given on the right
>Zå~a H$mo N>mÌ CÎma-nwpñVH$m Ho$ _wI-n¥ð> na hand side of the question paper
{bI| & should be written on the title page of
the answer-book by the candidate.
(III) H¥$n`m Om±M H$a b| {H$ Bg àíZ-nÌ _| (III) Please check that this question
>42 àíZ h¢ & paper contains 42 questions.
(IV) H¥$n`m àíZ H$m CÎma {bIZm ewê$ H$aZo go (IV) Please write down the Serial
nhbo, CÎma-nwpñVH$m _| àíZ H$m H«$_m§H$ Number of the question in the
Adí` {bI| & answer-book before attempting it.
(V) Bg àíZ-nÌ H$mo n‹T>Zo Ho$ {bE 15 {_ZQ >H$m (V) 15 minute time has been allotted to
g_` {X`m J`m h¡ & àíZ-nÌ H$m {dVaU read this question paper. The
nydm©• _| 10.15 ~Oo {H$`m OmEJm & question paper will be distributed
10.15 ~Oo go 10.30 ~Oo VH$ N>mÌ Ho$db at 10.15 a.m. From 10.15 a.m. to
10.30 a.m., the students will read the
àíZ-nÌ H$mo n‹T>|Jo Am¡a Bg Ad{Y Ho$ Xm¡amZ question paper only and will not
do CÎma-nwpñVH$m na H$moB© CÎma Zht {bI|Jo & write any answer on the
answer-book during this period.

~¢qH$J
BANKING

{ZYm©[aV g_` : 3 KÊQ>o A{YH$V_ A§H$ : 60
Time allowed : 3 hours Maximum Marks : 60

.335 1 P.T.O.

gm_mÝ` {ZX}e :
{ZåZ{b{IV {ZX}em| H$mo ~hþV gmdYmZr go n{‹T>E Am¡a CZH$m g™Vr go nmbZ H$s{OE :
(a) Bg àíZ-nÌ _| Xmo IÊS> h¢  IÊS> H$ … amoOJma H$m¡eb Am¡a IÊS> I … {df` H$m¡eb &
(b) IÊS> H$ … amoOJma H$m¡eb (10 A§H$)
(i) {XE JE 6 àíZm| _| go {H$Ýht 4 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 1 A§H$ H$m h¡ &
(ii) {XE JE 5 àíZm| _| go {H$Ýht 3 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 2 A§H$ H$m h¡ &
(c) IÊS> I … {df` H$m¡eb (50 A§H$)
(i) {XE JE 12 àíZm| _| go {H$Ýht 10 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 1 A§H$ H$m h¡ &
(ii) {XE JE 7 àíZm| _| go {H$Ýht 5 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 2 A§H$ H$m h¡ &
(iii) {XE JE 7 àíZm| _| go {H$Ýht 5 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 3 A§H$ H$m h¡ &

(iv) {XE JE 5 àíZm| _| go {H$Ýht 3 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 5 A§H$ H$m h¡ &

(d) Bg àíZ-nÌ _| 42 àíZ em{_b h¢ {OZ_| go 30 àíZm| Ho$ CÎma XoZo h¢ &
(e) g^r àíZm| Ho$ {deof ^mJ /IÊS> H$mo ghr H«$_ _| H$s{OE &
(f) A{YH$V_ g_` 3 K§Q>o h¡ &

IÊS> H$
(amoOJma H$m¡eb) (10 A§H$)
{XE JE 6 àíZm| _| go {H$Ýht 4 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 1 A§H$ H$m h¡ & 14=4

1. {ZåZ{b{IV _| go µJ¡a-_m¡{IH$ g§àofU H$m EH$ CXmhaU H$m¡Z-gm h¡ ? 1

(A) Vrd«Vm VWm ñda
(B) Xÿar
(C) CÀMmaU
(D) hmd-^md
2. ^mdmoÎmoOH$ pñWaVm Ho$ {H$Ýht Xmo CXmhaUm| H$m CëboI H$s{OE & 1

.335 2

General Instructions :
Read the following instructions very carefully and strictly follow them :
(a) This question paper consists of two parts viz. Section A : Employability
Skills and Section B : Subject Skills.
(b) Section A : Employability Skills (10 Marks)
(i) Answer any 4 questions out of the given 6 questions of 1 mark each.
(ii) Answer any 3 questions out of the given 5 questions of 2 marks each.
(c) Section B : Subject Skills (50 Marks)
(i) Answer any 10 questions out of the given 12 questions of 1 mark each.
(ii) Answer any 5 questions out of given 7 questions of 2 marks each.
(iii) Answer any 5 questions out of the given 7 questions of 3 marks each.
(iv) Answer any 3 questions out of the given 5 questions of 5 marks each.
(d) This question paper contains 42 questions out of which 30 questions are to
be answered.
(e) All questions of a particular part/section must be attempted in the correct
order.
(f) The maximum time allowed is 3 hours.

SECTION A
(Employability Skills) (10 Marks)

Answer any 4 questions out of the given 6 questions of 1 mark each. 14=4

1. Among the following, which one is an example of non-verbal
communication ? 1
(A) Volume and tone
(B) Distance
(C) Pronunciation
(D) Facial expression

2. State any two examples of emotional stability. 1

.335 3 P.T.O.

3. __________ ~MV ~¢H$ ImVo go YZ ñWmZmÝV[aV H$aZo Ho$ gaH$mar Am°ZbmBZ En h¡ & 1

(A) noQ>rE_
(B) \$moZno
(C) ^r_
(D) JyJb no
4. __________ B©-~¢qH$J H$m EH$ bm^ h¡ Omo n`m©daU g§ajU _| ghm`H$ h¡ & 1

5. __________ H$m {ZYm©aU ì`{º$ AnZo {bE H$aVo h¢ VWm BgH$m bJZ go AZwnmbZ H$aVo
h¢ & 1

6. __________ $ n`m©daU-{hV¡fr H$ƒo _mb H$m Cn`moJ VWm D$Om© g§ajU H$mo ~‹T>mdm XoJm & 1

{XE JE 5 àíZm| _| go {H$Ýht 3 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 2 A§H$ H$m h¡ & 23=6

7. ~¢H$ Ho$ AJ« H$m`m©b` H$_©Mmar Ho$ {bE J«mhH$ H$mo gwZZm Š`m| ~hþV _hÎdnyU© h¡ ? 2

8. ñd-àoaUm Ho$ _hÎd Ho$ {H$Ýht Xmo {~ÝXþAm| H$m CëboI H$s{OE & 2

9. AnZr à{V{XZ H$s J{V{d{Y`m| _| Hw$N> ~Xbmd H$aHo$ h_ J«rZhmCg J¡g CËgO©Z H$mo H¡$go
H$_ H$a gH$Vo h¢ ? 2

10. EH$ ~¢H$ A{YH$mar Ho$ {bE ñàoS>erQ> Ho$ {H$Ýht Xmo bm^m| H$m CëboI H$s{OE & 2

11. nwZM©H«$U amoOJma g¥OZ H¡$go H$aVm h¡ ? 2

IÊS> I $
({df` H$m¡eb) (50 A§H$)
{XE JE 12 àíZm| _| go {H$Ýht 10 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 1 A§H$ H$m h¡ & 110=10

12. E.E_.Eb. H$m {dñV¥V ê$n __________ h¡ & 1

13. ~¢qH$J _| __________ VWm __________ Ûmam J«mhH$ gw{dYm ~‹T>mZo H$m gr.~r.Eg. EH$
_mÜ`_ h¡ & 1

.335 4

3. ___________ is the government official online money transfer app from
Savings Bank Account. 1
(A) Paytm
(B) PhonePe
(C) BHIM
(D) Google Pay

4. ______ is a benefit of e-banking that helps in conservation of the
environment. 1

5. Individuals shall set _______ for themselves and diligently pursue them. 1

6. ___________ will promote the usage of eco-friendly raw materials and
conserve energy. 1
Answer any 3 questions out of the given 5 questions of 2 marks each : 23=6

7. Why is listening to a customer by the front office employee of a bank very
important ? 2

8. State any two points of importance of self-motivation. 2

9. How can we reduce greenhouse gas emission by making some changes in
our daily activities ? 2

10. State any two benefits of spreadsheet for a banker. 2

11. How does recycling create employment ? 2

SECTION B
(Subject Skills) (50 Marks)
Answer any 10 questions out of the given 12 questions of 1 mark each : 110=10

12. AML stands for ___________ 1

13. CBS is a step towards enhancing customer convenience through
___________ and ___________ banking. 1

.335 5 P.T.O.

14. Am°ZbmBZ ^wJVmZ H$s {H$Ýht Xmo {d{Y`m| H$s gyMr ~ZmBE & 1

15. ^maV _| ~¢H$m| H$s g_memoYZ àUmbr H$m à~§Y H$m¡Z H$aVm h¡ ? 1

16. __________ YZ ñWmZmÝVaU H$m H$mµJO-AmYm[aV VarH$m Zht h¡ & 1

(A) M¡H$
(B) no Am°S>©a
(C) B©.gr.Eg. H«o${S>Q>
(D) AmhaU nMu

17. __________ CÎmaXmB© h¡ J«mhH$m| H$s Amdí`H$VmAm| H$s XoIaoI H$aZo Ho$ {bE VWm ~¢H$ Ho$
{bE ZE J«mhH$ bmZo Ho$ {bE ^r & 1

18. 7 OwbmB©, 2019 H$mo EH$ {d{Z_`-nÌ {bIm J`m Omo 30 {XZ níMmV² Xo` Wm & BgH$s
n[anŠdVm {V{W Š`m hmoJr ? 1

19. A{Y{dH$f© ImVo H$s pñW{V _|, ã`mO Ho$db __________ am{e na bJm`m OmVm h¡ & 1

20. ^maV _| ~¢H$m| na {Z`ÝÌU aIZo Ho$ {bE {H$go A{YH¥$V {H$`m J`m h¡ ? 1

21. ~¢H$m| Ho$ bm^-hm{Z {ddaU VWm pñW{V {ddaU ___________ AmYma na V¡`ma H$aVo h¢ & 1

(A) Ì¡_m{gH$
(B) AY©dm{f©H$
(C) dm{f©H$
(D) _m{gH$

22. ~¢H$ Ho$ bm^-hm{Z ImVo Ho$ Am` nj _| H$m¡Z-gr _X A{YH$V_ am{e àX{e©V H$aVr h¡ ? 1

23. ^maV _| ~¢H$m| Ho$ ApÝV_ ImVo {H$g {V{W H$mo V¡`ma {H$E OmVo h¢ ? 1

.335 6

14. List any two online payment methods. 1

15. Who manages the clearing system of banks in India ? 1

16. ___________ is not a paper-based way of transferring money. 1
(A) Cheques
(B) Pay Order
(C) ECS Credit
(D) Withdrawal Slip

17. ___________ is responsible to take care of the customers’ needs and also
get new customers for the bank. 1

18. A Bill of Exchange is drawn on 7th July, 2019, payable 30 days after the
date. What will be the date of its maturity ? 1

19. In case of an overdraft account, interest is charged only on the
___________ amount. 1

20. Who is vested with the power to exercise control over banks in India ? 1

21. Banks prepare Profit and Loss Statement and Balance Sheet on
___________ basis. 1
(A) Quarterly
(B) Half-yearly
(C) Yearly
(D) Monthly

22. Which item is shown as the biggest amount on the income side of a
bank’s Profit and Loss Account ? 1

23. On which date are the final accounts of banks in India prepared ? 1

.335 7 P.T.O.

{XE JE 7 àíZm| _| go {H$Ýht 5 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 2 A§H$ H$m h¡ & 25=10

24. {S>_¡Q ImVm ImobZo H$s Š`m Amdí`H$Vm h¡ ? 2

25. Yamoha ajH$ (A_mZVXma) Ho$ {H$Ýht Xmo CÎmaXm{`Ëdm| H$m CëboI H$s{OE & 2

26. AJ«m§V VWm dmng A§V ã`mO Xam| H$m Š`m AW© h¡ ? 2

27. ‘~¢H$ _µO~yV {VOmoar’ nX H$m Š`m AW© h¡ ? 2

28. {dew Zo 10% Ho$ dm{f©H$ H$s Xa go MH«$d¥{Õ ã`mO na < 10,000 H$m {Zdoe 4 dfm] Ho$ {bE
{H$`m & {dew Ûmam Hw$b àmßV am{e VWm ã`mO kmV H$s{OE & 2

29. {dXoer _wÐm Ho$ à~§YH$ Ho$ ê$n _| ^maVr` [aµOd© ~¢H$ H¡$go H$m`© H$aVm h¡ ? 2

30. gr.Ama.Ama. H$m Š`m AW© h¡ ? 2

{XE JE 7 àíZm| _| go {H$Ýht 5 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 3 A§H$ H$m h¡ & 35=15

31. Ama.Q>r.Or.Eg. Ûmam ^wJVmZ Ho$ {bE ~¢H$ Ûmam Ano{jV gyMZm Ho$ {~ÝXþAm| H$s gyMr
~ZmBE & 3

32. H$åß`yQ>a H$s {H$Ýht VrZ {deofVmAm| H$mo g§jon _| g_PmBE & 3

33. H$moa (CORE) H$s {H$Ýht VrZ Amdí`H$VmAm| H$mo g_PmBE & 3

34. E.Q>r.E_. Š`m h¡ ? {H$gr ñWmZ na E.Q>r.E_. H$s ñWmnZm Ho$ {bE Amdí`H$ {H$Ýht Xmo
gwajm à~§Ym| H$mo g_PmBE & 3

35. pñWa ã`mO Xa VWm n[adV©Zerb (âbmoqQ>J) ã`mO Xa _| AÝVa Xr{OE & 3

36. ‘~mµOma ã`mO Xam|’ H$mo à^m{dV H$aZo dmbo {H$Ýht VrZ H$maH$m| H$mo g_PmBE & 3

37. EH$ ~¢H$ H$s ‘µJ¡a-{Zînm{XV n[ag§n{Îm`m|’ H$m Š`m AW© h¡ ? 3

.335 8

Answer any 5 questions out of the given 7 questions of 2 marks each. 25=10

24. What is the need of opening a Demat Account ? 2

25. State any two liabilities of the Bailee. 2

26. What is meant by front-end and back-end interest rates ? 2

27. What does the term ‘Bank strong vault’ mean ? 2

28. Vishu invested < 10,000 for 4 years @10% per annum compounded
annually. Find the total amount and interest received by Vishu. 2

29. How does RBI act as a manager of Foreign exchange ? 2

30. What is meant by CRR ? 2

Answer any 5 questions out of the given 7 questions of 3 marks each. 35=15

31. List the points of information required by a bank for initiating an RTGS
remittance. 3

32. Briefly explain any three features of a computer. 3

33. Explain any three needs of CORE. 3

34. What is ATM ? Explain any two security arrangements followed, to
install an ATM at a place. 3

35. State the difference between Fixed and Floating Rate of Interest. 3

36. Explain any three factors affecting the ‘Market interest rates’. 3

37. What is meant by ‘Non-Performing Assets’ of a bank ? 3

.335 9 P.T.O.

{XE JE 5 àíZm| _| go {H$Ýht 3 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 5 A§H$ H$m h¡ & 53=15

38. S>o{~Q> H$mS>© VWm H«o${S>Q> H$mS>© _| AÝVa Ho$ H$moB© nm±M {~ÝXþ Xr{OE & 5

39. ‘_mo~mBb ~¢qH$J’ H$m Š`m AW© h¡ ? ~¢H$m| Ho$ {bE _mo~mBb ~¢qH$J Ho$ _hÎd Ho$ {H$Ýht VrZ
{~ÝXþAm| H$m CëboI H$s{OE & 5

40. EH$ ~¢H$ emIm à~§YH$ H$s ^y{_H$m g_PmBE & 5

41. _wÐm Zr{V Ho$ JwUmË_H$ Am¡µOmam| (gmYZm|) H$mo g_PmBE & 5

42. EH$ ~¢H$ Ho$ pñW{V {ddaU H$m Z_yZm Xr{OE & 5

.335 10

Answer any 3 questions out of the given 5 questions of 5 marks each. 53=15

38. Give any five points of difference between Debit Card and Credit Card. 5

39. What is meant by ‘mobile banking’ ? State any three points of importance
of mobile banking for banks. 5

40. Explain the role of a bank branch manager. 5

41. Explain the qualitative tools of monetary policy. 5

42. Give proforma of the Balance Sheet of a bank. 5

.335 11 P.T.O.