Laws & Practice of Banking Suggestion, June 2014
Posted by Ripon Abu Hasnat on Friday, May 16, 2014 | 0 comments
Banking Diploma Examination— June, 2014
JAIBB
LAWS AND PRACTICE OF BANKING
[Answer any five questions of which two must be from group
B.]
Group A
1.
Write
short notes on any five of the following:
a) Liquidity Ratio;
b) Micro Finance;
c) Core Risk Management;
d) Convertible Bond;
e) Mutual Fund;
f) Legal Tender;
g) Clearing
House;
h) Conversion;
i) Garnishee Order;
j) A.T.M;
k) Revolving Credit;
l) Bank Rate;
m) Clayton's Rule;
n) K.Y.C;
o) Non-issuable notes and Re-issuable notes;
p) Subordinate Debt;
q) C.I.B;
r) Asian Clearing Union;
s) Bankers books abidance act
t) Non-Performing Loan;
u) SME;
v) Contingent Liability;
w) Material Alteration.
2.
a) Briefly discuss the main
functions of a commercial bank.
b) What role does a commercial
bank play in the development of an area?
c) How does a commercial bank
create deposits?
3.
a) What is meant by a Payee/Paying
Bank?
b) Discuss the duties and
responsibilities of a Paying Bank.
c) Discuss the protection offered by law to the Paying Banker under the Negotiable Instruments Act 1881?
d) A
cheque of Tk. 1,000 is drawn by your customer is presented through clearing on
2nd January 2011 for payment when the balance in the account is Tk. 501 only.
The customer happens to have a fixed deposit of Tk. 500 with your bank. It is
however observed that the chaque is dated 30th December. 2010. How
will you act in the circumstances?
4.
a) What do you mean by Money
Laundering?
b) Why is prevention of money
laundering necessary?
c) How can a banker perform
his duties in prevention of money laundering under the existing law regarding money laundering?
5.
a) What
do you understand by a 'customer of a Bank?
b) What
do you mean by bank-customer relationship?
c)
Discuss the procedure for opening the following types of accounts:-
(i)
Joint Stock Company;
(ii)
Club;
(iii)
Trust Account.
6.
Distinguish
between any four of the followings:
a)
Bank Rate and LIBOR:
b) Working Capital and Venture Capital;
c) CRR & SRR;
d) Bad Debt Provision and Reserve;
e) Merchant Bank and
Offshore Bank,
f)
Bid bond and Personal Guarantee;
g) Core capital and Supplementary capital;
h)
Fixed charge and Floating
charge;
i) Accommodation Bill and Trade
Bill;
j) Euro and SDR;
k) Share and Debenture;
l) Holder in due course & holder for value;
m) Retail banking and wholesale banking;
n) Authorized Capital and paid up capital;
o) Lien and mortgage;
p) Bill of entry and bill of exchange;
q) Broad money and narrow money;
r)
Payment in due course and
Holder in due course.
Group B
1.
Discuss
the procedure for sanction of loans against the following securities:
a) Life
Insurance Policy;
b)
Shares;
c)
Guarantee:
d)
I.C.B. Unit Certificate.
e)
Work Order:
f)
Trust Receipts;
g)
Immovable Properties
h)
Financial Obligations:
2.
a)
Describe the formalities to be observed and safeguards to be adopted when
lending against Life Insurance Policy as security.
b) Mr. Bashar has been
sanctioned an advance of Tk. 5.00 lacs against the security of goods valued at Tk. 10.00
lacs. He proposes to insure the goods as required by the bank but only to the extent of the
bank's advance amount e. e, Taka 5.00 lacs only. How will you react to the proposition and why?
3.
a)
Discuss the significance of Bank Loan.
b)
What are the main points considered by a Banker in processing a loan
application?
c)
Why is it necessary to keep provisions against classified loans and advances?
4.
a) What
is fraud and forgery?
b)
Discuss the various means adopted in committing fraud and forgery in banks.
c)
Suggest measures to
check fraud and forgery activities.
5.
a) What is mortgage?
b) What are the rights and
liabilities of a mortgagor and a mortgagee?
c) What factors should be
considered while taking security?
6.
a) What is loan syndication?
b) Merits and demerits of loan
syndication
c) What is lead bank?
d) Explain the roles of lead
bank in loan syndication
7.
a)
What do you understand by liquidity of a bank?
b) What is liquidity crunch?
c) What are the causes for liquidity crisis of a
bank?
d) How does a bank strike a balance between liquidity
and profitability'? Excess liquidity is also a crisis—
Discuss.
8.
a)
Discuss the salient features of Bankruptcy Law in Bangladesh?
b)
Discuss the main provisions of Artha Rio Adalat.
c)
Do you think the existing laws relating to the Artha Rio Adalat and Bankruptcy
Law is adequate to deal with the delinquent borrowers? Discuss.
9.
a) Define Working Capital.
b) Explain how you will assess the Working Capital
requirement of
a small scale business Unit.
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