AHSEC HS 2nd Year Question Paper 2019 Banking

Total number of pages – 8
29T BNKG

2019

BANKING

Full Marks : 100

Pass Marks : 30

Time : Three hours

The figures in the margin indicate full marks
for the questions.

Q. No. 1 carries 1 mark each 1×8 = 8

Q. Nos. 2–6 carry 2 marks each 2×5 = 10

Q. Nos. 7–11 carry 3 marks each 3×5 = 15

Q. Nos. 12–18 carry 5 marks each 5×7 = 35

Q. Nos. 19–22 carry 8 marks each 8×4 = 32

Total =100

Contd.

1. (a) In which year Punjab National Bank was established ? 1

Œfl¡±Ú ‰¬ÚÓ¬ ¬Û±?±¬ı ŒÚ‰¬ÀÚ˘ Œ¬ı—fl¡ õ∂øӬᬱ fl¡1± Δ˝√√øÂ√˘∑

(b) What do you mean by ‘Group Banking’ ? 1

ë¢∂n¬Û Œ¬ı—øfl¡—í ¬ı≈ø˘À˘ øfl¡ ¬ı≈Ê√±∑

(c) Write the full form of SIDBI. 1

SIDBI 1 ¸•Û”Ì« 1+¬ÛÀȬ± ø˘‡±º

(d) Since which year the RBI has been issuing notes based on Minimum
Reserve System ? 1

Œfl¡±Ú ‰¬Ú1 ¬Û1± ˆ¬±1Ó¬œ˚˛ ø1Ê√±ˆ«¬ Œ¬ı—Àfl¡ Ú”…ÚÓ¬˜ ø1Ê√±ˆ«¬ ¬ÛXøÓ¬ ’Ú≈¸ø1 ˜≈^± õ∂‰¬˘Ú fl¡ø1
’±ø˝√√ÀÂ√∑

(e) NSE was set up in the year 1992/1993/1994/1995. 1

NSE 1992/1993/1994/1995 ‰¬ÚÓ¬ ·Í¬Ú fl¡1± Δ˝√√øÂ√˘º

(f) Commercial Banks are the main lenders in money market.
(State whether True or False) 1

ë˜≈^± ¬ıÊ√±1Ó¬ ¬ı±øÌøÊ√…fl¡ Œ¬ı—Àfl¡˝◊√ Δ˝√√ÀÂ√ ˜≈‡… Ÿ¬Ì√±Ó¬±íº
[qX ŒÚ ’qX ø˘‡±]

(g) A ‘Not-Negotiable’ crossing cheque can/cannot be transferred.
1

ë’˝√√ô¶±ôL1À˚±·…í Œ1‡±—fl¡Ú Œ‰¬fl¡ ¤‡Ú ˝√√ô¶±ôL1 fl¡ø1¬ı ¬Û±ø1/ŒÚ±ª±ø1º

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(h) Give an example of Material Alteration. 1

˜”˘ ø¬ı¯∏˚˛¬ıd1 ¸±˘¸˘øÚ1 ¤È¬± ά◊√±˝√√1Ì ø√˚˛±º

2. What is Public Sector Bank ? 2

‰¬1fl¡±1œ ‡G1 Œ¬ı—fl¡ ˜±ÀÚ øfl¡∑

3. Mention two prohibitory functions of RBI. 2

ˆ¬±1Ó¬œ˚˛ ø1Ê√±ˆ«¬ Œ¬ı—fl¡1 ≈√Ȭ± øÚÀ¯∏Ò±:±˜≈˘fl¡ fl¡±˚« ά◊À~‡ fl¡1±º

4. State any two functions of Stock Exchange. 2

©Üfl¡ ø¬ıøÚ˜˚˛ Œfl¡f1 ø˚Àfl¡±ÀÚ± ≈√Ȭ± fl¡±˚« ά◊À~‡ fl¡1±º

5. Who can cross a cheque ? 2

Œ‰¬ífl¡ ¤‡Ú Œfl¡±ÀÚ Œ1‡±—øfl¡Ó¬ fl¡ø1¬ı ¬Û±À1∑

6. State the meaning of ‘Bank Draft’. 2

댬ı—fl¡ E±Ùƒƒ¬È¬í 1 ’Ô« ø˘‡±º

7. What is ‘payment in due course’ ? 3

˚Ô±ø¬ıø˝√√Ó¬ ¬Ûø1À˙±Ò ˜±ÀÚ øfl¡∑

8. State any three differences between Promissory Note and Cheque.
3

õ∂øÓ¬|n∏øÓ¬ ¬ÛS ’±1n∏ Œ‰¬fl¡1 ˜±Ê√Ó¬ Ôfl¡± ø˚Àfl¡±ÀÚ± øÓ¬øÚȬ± ¬Û±Ô«fl¡… ά◊À~‡ fl¡1±º

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9. Write a note on ‘Scheduled Bank’. 3

ëÓ¬±ø˘fl¡±ˆ≈¬Mê√ Œ¬ı—fl¡í1 ø¬ı¯∏À˚˛ ¤È¬± ŒÈ¬±fl¡± ø˘‡±º

10. What are the various sub-markets of money market ? 3

˜≈^± ¬ıÊ√±11 ø¬ıøˆ¬iß Î¬◊¬Û-¬ıÊ√±1 ¸˜”˝√ øfl¡ øfl¡∑

11. What are the main functions of World Bank ? 3

ø¬ıù´ Œ¬ı—fl¡1 ˜≈‡… fl¡±˚« ¸˜”˝√ øfl¡ øfl¡∑

Describe briefly about Statutory Liquidity Ratio. 3

ø¬ıøÒ·Ó¬ Ó¬1˘ ’Ú≈¬Û±Ó¬1 ø¬ı¯∏À˚˛ ‰¬˜≈Õfl¡ ¬ı…±‡…± fl¡1±º

12. What are the main achievements of nationalisation of banks in India.
5

ˆ¬±1Ó¬¬ı¯∏«Ó¬ Œ¬ı—fl¡ 1±©Ü™œ˚˛fl¡1Ì1 ˜≈‡… ¸Ù¬˘Ó¬± ¸˜”˝√ øfl¡ øfl¡∑

Write a brief note on State Bank of India. 5

ˆ¬±1Ó¬œ˚˛ Œ©ÜȬ Œ¬ı—fl¡1 ø¬ı¯∏À˚˛ ¤È¬± ‰¬˜≈ ŒÈ¬±fl¡± ø˘‡±º

13. What are the different functions performed by RBI as a Banker of
Government ? 5

‰¬1fl¡±11 Œ¬ı—fl¡ ø˝√√‰¬±À¬Û ˆ¬±1Ó¬œ˚˛ ø1Ê√±ˆ«¬ Œ¬ı—fl¡1 fl¡±˚«À¬ı±1 øfl¡ øfl¡∑
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14. Show the differences between capital market and money market.
5

˜”˘ÒÚœ ¬ıÊ√±1 ’±1n∏ ˜≈^± ¬ıÊ√±11 ¬Û±Ô«fl¡… ¸˜”˝√ Œ√‡≈ª±º

Mention five advantages of Mutual Funds. 5

ά◊Õ˜˝√√Ó¬œ˚˛± ¬Û≈“øÊ√1 ¬¬Û“±‰¬È¬± ¸≈ø¬ıÒ± ά◊À~‡ fl¡1±º

15. Discuss the advantages of Internet Banking. 5

˝◊√KI◊±1ÀÚȬ Œ¬ı—øfl¡— 1 ¸≈ø¬ıÒ± ¸˜”˝√ ’±À˘±‰¬Ú± fl¡1±º

16. Explain the position of collecting banker as holder for value. 5

Œ‰¬fl¡1 ˜”˘…±Ô«1 ’øÒfl¡±1œ ø˝√√‰¬±À¬ı ¸—¢∂˝√fl¡±1œ Œ¬ı—fl¡1 ø¶öøÓ¬ ¬ı…±‡…± fl¡1±º

17. Distinguish between Endorsement in Blank and Special Endorsement.
5

˜≈fl¡ø˘ ¬Û‘ᬱ—fl¡Ú ’±1n∏ ø¬ıÀ˙¯∏ ¬Û‘ᬱ—fl¡Ú1 ˜±Ê√Ó¬ Ôfl¡± ¬Û±Ô«fl¡… ø˘‡±º

Write a note on Non-Banking Financial Institutions. 5

’Ú±-Œ¬ı—øfl¡— ø¬ıM√√œ˚˛ ’Ú≈ᬱÚ1 ø¬ı¯∏À˚˛ ‰¬˜≈ ŒÈ¬±fl¡± ø˘‡±º

18. Discuss the objectives and functions of LICI. 5

LICI 1 ά◊ÀV˙… ’±1n∏ fl¡±˚«±ª˘œ ’±À˘±‰¬Ú± fl¡1±º

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Discuss various sources of bank’s own fund. 5

Œ¬ı—fl¡1 øÚÊ√¶§ ¬Û“≈øÊ√1 ø¬ıøˆ¬iß Î¬◊»¸¸˜”˝√ ’±À˘±‰¬Ú± fl¡1±º

19. Discuss the General utility services rendered by commercial banks.
8

¬ı±øÌøÊ√…fl¡ Œ¬ı—Àfl¡ ’±·¬ıÀϬˇ±ª± ¸±Ò±1Ì ¬ı…ª˝√√±ø1fl¡ Œ¸ª± ¸˜”˝√ ’±À˘±‰¬Ú± fl¡1±º

Write the distinction between RBI and Commercial Bank. 8

ˆ¬±1Ó¬œ˚˛ ø1Ê√±ˆ«¬ Œ¬ı—fl¡ ’±1n∏ ¬ı±øÌøÊ√…fl¡ Œ¬ı—fl¡1 ˜±Ê√Ó¬ Ôfl¡± ¬Û±Ô«fl¡… ¸˜”˝√ ø˘‡±º

20. Discuss the circumstances under which the paying banker can refuse
payment of customer’s cheque. 8

Œfl¡ÀÚ Ò1Ì1 ¬Ûø1ø¶öøÓ¬Ó¬ ¬Ûø1À˙±Òfl¡±1œ Œ¬ı—Àfl¡ ¢∂±˝√√fl¡1 Œ‰¬ífl¡ ¬Ûø1À˙±Ò fl¡ø1¬ıÕ˘ ’˜±øôL ˝√√¬ı
¬Û±À1, ’±À˘±‰¬Ú± fl¡1±º

21. Discuss the principles followed by banks in granting loans and advances.
8

Ÿ¬Ì ’±1n∏ ’ø¢∂˜ ø√˚˛±1 Œé¬SÓ¬ Œ¬ı—Àfl¡ ’Ú≈fl¡1Ì fl¡1± ÚœøÓ¬¸˜”˝√ ’±À˘±‰¬Ú± fl¡1±º

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22. What are the different types of Financial market ? Write a brief note on
Foreign Exchange Market. 3+5=8

ø¬ıM√√œ˚˛ ¬ıÊ√±11 ø¬ıøˆ¬iß õ∂fl¡±1À¬ı±1 øfl¡ øfl¡∑ Δ¬ıÀ√ø˙fl¡ ø¬ıøÚ˜˚˛ ¬ıÊ√±11 ›¬Û1Ó¬ ¤È¬± ‰¬˜≈ ŒÈ¬±fl¡±
ø˘‡±º

What is Development Bank ? Explain the functions of Development Banks.
2+6=8

ά◊iß˚˛Ú Œ¬ı—fl¡ ˜±ÀÚ øfl¡∑ ά◊iß˚˛Ú Œ¬ı—fl¡1 fl¡±˚«±ª˘œ ¬ı…±‡…± fl¡1±º

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