Question Papers For Board Examinations 2020

Class – XII

Subject – Banking

• Subject :- Banking
• Class : XII
• Year : 2020

SECTION A

1. Among the following, which one is an example of non-verbal communication ? 1
(A) Volume and tone
(B) Distance
(C) Pronunciation
(D) Facial expression

2. State any two examples of emotional stability. 

3. ___________ is the government official online money transfer app from Savings Bank Account. 1
(A) Paytm
(B) PhonePe
(C) BHIM
(D) Google Pay

4. ______ is a benefit of e-banking that helps in conservation of the environment. 1
5. Individuals shall set _______ for themselves and diligently pursue them. 1
6. ___________ will promote the usage of eco-friendly raw materials and conserve energy. 1

Answer any 3 questions out of the given 5 questions of 2 marks each : 2x3=6

7. Why is listening to a customer by the front office employee of a bank very important ? 2
8. State any two points of importance of self-motivation. 2
9. How can we reduce greenhouse gas emission by making some changes in our daily activities ? 2
10. State any two benefits of spreadsheet for a banker. 2
11. How does recycling create employment ? 2

SECTION B

Answer any 10 questions out of the given 12 questions of 1 mark each : 1x10=10

12. AML stands for ___________ 1
13. CBS is a step towards enhancing customer convenience through ___________ and ___________ banking. 

14. List any two online payment methods. 1
15. Who manages the clearing system of banks in India ? 1 1

16. ___________ is not a paper-based way of transferring money. 1
(A) Cheques
(B) Pay Order
(C) ECS Credit
(D) Withdrawal Slip

17. ___________ is responsible to take care of the customers’ needs and also get new customers for the bank. 1

18. A Bill of Exchange is drawn on 7th July, 2019, payable 30 days after the date. What will be the date of its maturity ? 1
19. In case of an overdraft account, interest is charged only on the ___________ amount. 1
20. Who is vested with the power to exercise control over banks in India ? 1

21. Banks prepare Profit and Loss Statement and Balance Sheet on ___________ basis. 1
(A) Quarterly
(B) Half-yearly
(C) Yearly
(D) Monthly

22. Which item is shown as the biggest amount on the income side of a bank’s Profit and Loss Account ? 1
23. On which date are the final accounts of banks in India prepared ? 1

Answer any 5 questions out of the given 7 questions of 2 marks each. 2x5=10

24. What is the need of opening a Demat Account ? 2
25. State any two liabilities of the Bailee. 2
26. What is meant by front-end and back-end interest rates ? 2
27. What does the term ‘Bank strong vault’ mean ? 2
28. Vishu invested < 10,000 for 4 years @10% per annum compounded annually. Find the total amount and interest received by Vishu. 2
29. How does RBI act as a manager of Foreign exchange ? 2
30. What is meant by CRR ? 2

Answer any 5 questions out of the given 7 questions of 3 marks each. 3x5=15

31. List the points of information required by a bank for initiating an RTGS remittance. 3
32. Briefly explain any three features of a computer. 3
33. Explain any three needs of CORE. 3
34. What is ATM ? Explain any two security arrangements followed, to install an ATM at a place. 3
35. State the difference between Fixed and Floating Rate of Interest. 3
36. Explain any three factors affecting the ‘Market interest rates’. 3
37. What is meant by ‘Non-Performing Assets’ of a bank ? 3

Answer any 3 questions out of the given 5 questions of 5 marks each. 5x3=15

38. Give any five points of difference between Debit Card and Credit Card. 5
39. What is meant by ‘mobile banking’ ? State any three points of importance of mobile banking for banks. 5
40. Explain the role of a bank branch manager. 5
41. Explain the qualitative tools of monetary policy. 5
42. Give proforma of the Balance Sheet of a bank. 5

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Courtesy: CBSE