Laws & Practice of Banking Suggestion for June, 2015

Posted by Ripon Abu Hasnat on Wednesday, June 10, 2015 | 0 comments | Leave a comment...




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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Marketing of Financial Services (MFS) suggestion, June 2014

Posted by Ripon Abu Hasnat on Friday, May 16, 2014 | 0 comments | Leave a comment...



Banking Diploma Examination— December, 2013
JAIBB
Marketing of Financial Services (MFS)
Time— 3 hours; Full Mar8ks_ 100:   Pass Marks— 50
[All questions are of equal value. Answer any five questions. Answer all parts of each question continuously.]


Introduction
a) What is marketing?
b) How does business environment affect the marketing strategy?
c) How can you develop the marketing for banks and financial institutions?
d) How can you make your organization effective in managing the elements of the service marketing mix?

Pricing
a) What is pricing?
b) How many approaches the way of pricing?-Discuss
c) Is it possible to use all approaches simultaneously in pricing? Give your arguments with example.
d) What role do you think pricing can take as a tool of marketing banking services? Justify its effectiveness.
e) Why a company changes its product price?

Strategic planning
a) What is strategic planning?
b) Discuss the importance/ objective of strategic planning?
c) What are the steps of strategic planning?
d) Explain how can the controlling process of marketing be made effective?
e) "Marketing control is the process of measuring and evaluating the results of marketing strategies and plans and taking corrective actions to ensure that objectives are achieved" — explain the statement.

Customer-Bank Relationship
a) Who is prime customer?
b) What is a banker-customer relationship?
c) What techniques are lo be followed to develop banker-customer relationships? How does each aid in developing relationships?
d) A bank must be customer centered to succeed' — Discuss.
e) What do you understand by customer relationship in a financial institution?
f) Why the financial institutions in Bangladesh require good information about market and competitors?
g) Why the bank wanted to build relationship banking?


Product Distribution
a)What is product Distribution?
b) What are the different ways that banks can follow to distribute their products directly?
c) Explain with example the features relating to bank product that are making the services more challenging.
d) Why location of a bank is so important from different perspectives?
e) Describe the role of promotion and publicity in marketing bank services.
f) Differentiate between 'Retail and corporate market.'
g) Explain the service marketing process.  
h) While marketing bank services, what are the challenges to be faced in Bangladesh?
i) "Product quality and service quality are the match winners." — Explain.
j) Why consumer behavior and their expectation matters while offering a service and product by a bank?
k) Define and outline the steps in marketing process of Bangladesh.

Corporate Social Responsibility
a) What Corporate Social Responsibility?
b) Discuss the various activities of financial institutions for socially responsible marketing.
c) What roles do the financial organizations of Bangladesh play for economic development of the country?
d) What’s your suggestion about banking services for the development of the country ?

Advertising
a) What is advertising?
b) Discuss the way of advertising.
c) What factors should be considered to determine the advertising media? Discuss.
d) Discuss elaborately the social and economical importance of advertising.
e) Do you not believe in advertising? Put your arguments.
f) People purchase unnecessary goods being influence by advertising. So its cost incurred for nothing-Discuss.

Answer in short:
a) Strategic Business Unit;
b) Service Differentiation;
c) Product line;
d) Consumerism;
e) Competitive strategy;
f) Window Dressing;
g)  Phone Vs Internet Banking;
h) Corporate Financial Markets;
i) Customer Centric;
j) Techno etiquette in banks;
k) Customer value;
l) Nishi market;
m) Tele Banking;                                           
n) Environmentalism;
o) SMS Banking;
p) Push Marketing;
q) GAP-6;
r) Direct Marketing;
s) Product Differentiation;
t) Shopping Goods;
u) Brand Equity;
v) Product Mix;
w) Pricing Strategy;
x) Strategic Planning;
y) Push Marketing.

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Laws & Practice of Banking Suggestion, June 2014

Posted by Ripon Abu Hasnat on | 0 comments | Leave a comment...



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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