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Banking Regulations & Operations Guide

This document contains information about commercial banks and their operations. It is divided into 5 units that cover topics such as the definition of commercial banks, their roles and sources of funds; the relationship between bankers and customers; negotiable instruments like cheques and promissory notes; the roles of paying and collecting bankers; and the principles of bank lending. The document consists of multiple choice and short answer questions at the end of each section to test understanding of the concepts covered.

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shashank reddy
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69 views3 pages

Banking Regulations & Operations Guide

This document contains information about commercial banks and their operations. It is divided into 5 units that cover topics such as the definition of commercial banks, their roles and sources of funds; the relationship between bankers and customers; negotiable instruments like cheques and promissory notes; the roles of paying and collecting bankers; and the principles of bank lending. The document consists of multiple choice and short answer questions at the end of each section to test understanding of the concepts covered.

Uploaded by

shashank reddy
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as DOCX, PDF, TXT or read online on Scribd
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Banking Regulations and Operations (2016,17,18 &19)

Unit-1: Commercial Banks


SECTION-A:
1) Define Commercial Bank.
2) Define the term Commercial Bank.
3) Define commercial bank.
4) Who is the present Governor of RBI ?
5) Define Commercial Bank.
SECTION-B:
1) Explain briefly the role of commercial banks.
2) Explain the agency services of a commercial bank.
SECTION-C:
1) Explain the main sources of funds of commercial banks.
2) Explain the main sources of funds for Commercial Banks.
3) Explain the main sources of funds of commercial banks.

Unit-2: Banker & Customer relationship


SECTION-A:
1) Who is Banker ?
2) Name the two types of Relationship between Banker and Customer.
3) Who are Trustees ?
4) Who is trustee-customer of Bank ?
5) Who is trustee-customer of Bank ?
6) Who is a minor ?
7) Who is a customer?

SECTION-B:
1) What precautions a banker can take in opening and operating the account of
partnership firm ?
2) What precautions to be taken while operating the accounts of Joint Account
Holders ?
3) Explain banker's obligation to maintain secrecy of customer's accounts. What are
the exceptions to this obligation ?

SECTION-C:
1) Explain the general relationship between the banker and customer.
Unit-3: Negotiable instruments
SECTION-A:
1) What do you mean by forged cheque ?
2) What do you mean by forged chssssseque ?
3) What is opening of crossing ?
4) What is opening of crossing ?
5) Define Negotiable Instrument.
6) What is meant by Promissory Notes ?
7) What is General crossing ?
SECTION-B:
1) Define cheque. State the essential features of a cheque.
2) Explain the features of a cheque.
3) Write short notes on .
Double crossing
Not negotiable crossing
Account payee crossing.

SECTION-C:
1) What is endorsement ? Explain the various types of endorsements.
2) What is Negotiable Instrument ? Explain its features.
3) What is crossing of a cheque ? Explain the different types of crossing.

Unit-4: Paying banker & collecting banker


SECTION-A:
1) Give the meaning of wrongful dishonour of cheque.
2) Give the meaning of wrongful dishonour of cheque.
3) Who is a paying banker ?
SECTION-B:
1) Briefly explain the duties of collecting banker.
2) Give a note on Mandatory functions of Paying Bankers.
3) Explain the duties of a collecting banker.

SECTION-C:
1) Who is Paying Banker ? State the statutory protection given to a Paying Banker.
2) Who is a Collecting banker ? What are the general duties of a Collecting banker
3) Write short notes on . i) Holder in due course ii) Payment in due course
Unit-5: Principles of bank lending
SECTION-A:
1) What is the meaning of security for loan ?
2) What is the meaning of security for loan ?
3) What is lending ?
4) What is meant by overdraft ?
5) What is cash credit ?
6) Give the meaning of NPA.
SECTION-B:
1) Briefly explain the types of loans.
2) Distinguish between Loans and Overdrafts.
3) Explain the various principles of Sound lending,
4) Distinguish between overdraft and cash credit.
5) Explain the classifications in Bank Assets.
6) Explain the sound principles of bank lending.
SECTION-C:
1) Explain the sound principles of lending by commercial banks.
2) What are the factors considered by a Banker while sanctioning a loan ?
3) Explain the kinds of lending facilities. Explain their advantages and disadvantages

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