Laws & Practice of Banking Suggestion for June, 2015
Posted by Ripon Abu Hasnat on Wednesday, June 10, 2015 | 0 comments
1. Short Notes:
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a)
b)
c)
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KYC
Green Banking
Asian
Clearing House
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d)
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Negotiable
Instrument
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e)
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Legal
tender
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f)
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Holder
in Due Course
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g)
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On-line
banking
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h)
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Mobile
banking
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i)
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SME
Financing
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j)
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Clearing
house
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k)
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Revolving
credit
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l)
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CAMEL
rating
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m)
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Banker’s
right of set off
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n)
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Non-performing
loan (NPL)
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2.
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a)
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Discuss
in brief main functions/activities of central bank.
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b)
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What
is money supply?
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c)
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Discuss
the various instruments used by the central bank to control money supply.
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d)
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Difference
between narrow money and short money.
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e)
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“Central
Bank is the Lender of the last resort”- Explain the statement.
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3.
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a)
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Discuss
the main functions of a commercial bank
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b)
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What
role a commercial bank can play in the development of a country? Explain.
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c)
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How
does a commercial bank create deposits?
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d)
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How
does a commercial bank differ from a non-banking financial institution?
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4.
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a)
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What
is a cheque?
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b)
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Discuss
the main characteristics of a cheque?
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c)
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Difference
between a cheque and bank draft.
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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.
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5.
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a)
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What
do you mean by a paying bank?
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b)
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Discuss
the duties and responsibilities of a paying banker.
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c)
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Explain
the protection offered by law to the paying banker.
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d)
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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?
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6.
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Distinguish any four of the followings:
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a)
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Nostro
Account vs Vostro account
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b)
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Money
market and Capital market
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c)
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Authorized
capital and paid up capital
Dept-equity
ratio and Net-Worth
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d)
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CRR
and SLR
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e)
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Loans,
overdrafts and cash credit
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f)
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Promissory
note and Bill of exchange
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g)
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Banker’s
Lien and Banker’s Set-off
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h)
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Bridge
finance and Lease finance
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i)
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Hypothecation
and pledge
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j)
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Bank
rate and LIBOR
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k)
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World
bank and IMF
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l)
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Merchant
bank and Off-shore Bank
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m)
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Retail
banking and whole sale banking
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n)
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Bill
of entry and bill of exchange
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o)
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Holder
in due course and holder for value
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p)
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Payment
in due course and holder in due course
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q)
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Primary
security and Collateral Security
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Group-B:
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1.
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a)
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What
is money laundering?
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b)
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What
are the different ways through which money laundering take place?
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c)
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How
can a banker discharge his responsibilities in the context of the law enacted
by the government to the present money laundering?
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2.
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a)
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What
is Hundi?
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b)
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Can
a Hundi be regarded as negotiable instrument?
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c)
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How
does Hundi affect Bangladesh Economy?
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d)
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Explain
Bangladesh Bank guidelines related to Hundi
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3.
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a)
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What
is letter of Credit?
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b)
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Mention
different types of letter of credit.
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c)
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Discuss
the precautions to be taken upon receipt of documents negotiated by foreign
bank under letter of credit opened by you.
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d)
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What
is confirmed irrevocable letter of credit?
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e)
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What
considerations would you take into account for opening the credit?
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f)
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What
are the particulars which have to be communicated with foreign Agent?
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4.
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a)
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Define
working capital.
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b)
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Explain
how you would assess the working capital requirements of a small scale
business unit.
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c)
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Explain
the disadvantages of shortage in Working Capital
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d)
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Explain
the disadvantages of excessive/ extra in Working Capital
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e)
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Explain
the importance of Working Capital
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5.
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a)
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What
is Loan Syndication?
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b)
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What
are the advantages of Loan Syndication?
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c)
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What
are the disadvantages of Loan Syndication?
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d)
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Define
Lead Bank.
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e)
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What
is the role of a Lead Bank in Loan Syndication?
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