Laws & Practice of Banking Suggestion for June, 2015

Posted by Ripon Abu Hasnat on Wednesday, June 10, 2015 | 0 comments





1.      Short Notes:


a)
b)
c)
KYC
Green Banking
Asian Clearing House

d)
Negotiable Instrument

e)
Legal tender

f)
Holder in Due Course

g)
On-line banking

h)
Mobile banking

i)
SME Financing

j)
Clearing house

k)
Revolving credit

l)
CAMEL rating

m)
Banker’s right of set off

n)
Non-performing loan (NPL)



2.
a)
Discuss in brief main functions/activities of central bank.

b)
What is money supply?

c)
Discuss the various instruments used by the central bank to control money supply.

d)
Difference between narrow money and short money.

e)
“Central Bank is the Lender of the last resort”- Explain the statement.



3.
a)
Discuss the main functions of a commercial bank

b)
What role a commercial bank can play in the development of a country? Explain.

c)
How does a commercial bank create deposits?   

d)
How does a commercial bank differ from a non-banking financial institution?



4.
a)
What is a cheque?

b)
Discuss the main characteristics of a cheque?

c)
Difference between a cheque and bank draft.


Mr. Rahim issue an open bearer cheque to Mr. Karim for tk. 50000 who stirks out the word ‘bearer’ and puts crossing across the cheque. The cheque is thereafter negotiated to Mr. Kamal, Mr. Jamal, and Mr. Robin. when it is finally presented to Mr. Robin’s banker, it is returned with remarks: ‘payment countermanded by the drawers’. In responses to legal notice from Mr. Robin, Mr. Rahim pleads that,
i) the cheque was issued to Mr. Karim under threat from him; and
ii) the cheque was altered after it had been issued and thereafter he (Mr. Rahim) is not bound to pay the cheque. Please discuss whether Mr. Rahim’s argument is valid or not. Give reasons.



5.
a)
What do you mean by a paying bank?

b)
Discuss the duties and responsibilities of a paying banker.

c)
Explain the protection offered by law to the paying banker.

d)
As branch manager, how will you deal with the following cases?
i) Your customer sends a crossed order cheque drawn by Mr. Rahim in favour of your bank for crediting it to his own (the customer’s) account with you
ii) Mr. Kamal presents for encasement an uncrossed cheque payable to him on bearer and refuses to endorse the cheque. Will it make any difference if the amount is small?



6.
Distinguish any four of the followings:

a)
Nostro Account vs Vostro account

b)
Money market and Capital market  

c)
Authorized capital and paid up capital
Dept-equity ratio and Net-Worth

d)
CRR and SLR

e)
Loans, overdrafts and cash credit

f)
Promissory note and Bill of exchange

g)
Banker’s Lien and Banker’s Set-off 

h)
Bridge finance and Lease finance

i)
Hypothecation and pledge

j)
Bank rate and LIBOR   

k)
World bank and IMF

l)
Merchant bank and Off-shore Bank  

m)
Retail banking and whole sale banking

n)
Bill of entry and bill of exchange

o)
Holder in due course and holder for value

p)
Payment in due course and holder in due course

q)
Primary security and Collateral Security

Group-B:
1.
a)
What is money laundering?

b)
What are the different ways through which money laundering take place?

c)
How can a banker discharge his responsibilities in the context of the law enacted by the government to the present money laundering?



2.
a)
What is Hundi?

b)
Can a Hundi be regarded as negotiable instrument?

c)
How does Hundi affect Bangladesh Economy?

d)
Explain Bangladesh Bank guidelines related to Hundi



3.
a)
What is letter of Credit?

b)
Mention different types of letter of credit.

c)
Discuss the precautions to be taken upon receipt of documents negotiated by foreign bank under letter of credit opened by you.

d)
What is confirmed irrevocable letter of credit?

e)
What considerations would you take into account for opening the credit?

f)
What are the particulars which have to be communicated with foreign Agent?



4.
a)
Define working capital.

b)
Explain how you would assess the working capital requirements of a small scale business unit.

c)
Explain the disadvantages of shortage in Working Capital

d)
Explain the disadvantages of excessive/ extra in Working Capital

e)
Explain the importance of Working Capital



5.
a)
What is Loan Syndication?

b)
What are the advantages of Loan Syndication?

c)
What are the disadvantages of Loan Syndication?

d)
Define Lead Bank.

e)
What is the role of a Lead Bank in Loan Syndication?

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