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Theory & Practices of Banking (BBA Program)

Aminul Haque Russel

Introduction
1. Define the terms Bank. Discuss the characteristics or features of a bank.
2. Who is a Banker? State the essential qualities of a successful banker.
3. Define the term Banking. Distinguish between Bank and Banking.
4. Discuss the objectives of a modern bank.
5. Define the term: Garnishee order, Barter system.
6. Describe the various type of bank classified on the basis of functions.
7. Discuss the functions of a modern bank.
8. Mention the various utility services provide by commercial banks.
9. What are the functions of commercial banking to the development of the economy of
BD.?
10. What are the services produced by the modern bank?
11. Distinguish between primary function and secondary function.
12. What is unit banking? Explain the advantages and disadvantages unit banking.
13. What is branch banking? Explain the advantages and disadvantages branch banking.
14. Distinguish between branch banking and unit banking.
15. What is the expectation of the society and the nation from the nationalized banks?
16. Deposit is the blood of bank and bank is the blood of an economy of a country. Justify the statement.
17. Discuss the dissimilarity between industrial bank and commercial bank.
18. What are the existing problems of banking business in Bangladesh?
19. What are the ways to removing existing problem in banking business in Bangladesh?
20. Difference between commercial bank and co-operative bank.
21. What are different types of account? Explain.
22. What is merchant banking? What are the functions carried out in merchant banking?
23. Define central bank. Why does a central bank regulate credit?

Theory & Practices of Banking (BBA Program)


Aminul Haque Russel

24. Central bank is the lender of the last resort Explain.


25. Explain the function of a central bank others then credit control.
26. What is the credit control? Describe the methods of credit control used by the central
bank of a country.
27. Distinguish between central and commercial bank.
28. What do you define commercial bank? Discuss the role of private commercial bank to the
development of the economy of Bangladesh.
29. What is credit creation? Explain the mechanism of credit creation by commercial bank.
Use an example.
30. Discuss the limitation of credit creation.

Banker- Customer Relationship


1. Define customer?
2. What are the features of a bankers right of general lien?
3. The balance of a joint account in the name of x, y & z was paid to Y& z on the death x.
states the legal position of the banker.
4. Particular lien vs. General lien.
5. Give a brief occasions bank is justified in disclosing the state of his customers account?
6. Discuss the obligation of a banker to a customer.
7. What are the measures that bank may take to develop banker & customer relationship?
8. Explain the different types of account can be opened in a bank?
9. What risk does a banker incur in opening an account with trustees and executors?
10. What are the modern relationships between banker & customer?
11. Who can open bank account?
12. Discuss the common formalities for opening deposit accounts by depositors.

Theory & Practices of Banking (BBA Program)


Aminul Haque Russel

Negotiable Instrument
1. What is the negotiable Instrument?
2. What are the essential features of a negotiable instrument?
3. What is the difference between negotiability and transferability?
4. Write down the distinguishing features of cheque, bill of exchange and promissory note.
5. Distinguish between holder and holder in due course.
6. What precautions are taken by banks to check forgery of cheque?
7. What is the difference between bill of exchange and promissory note?
8. What is the dishonor of negotiable instrument and what is the action taken against this?
9. Define bill of exchange?
10. Mention the precautionary measure to develop bill of exchange?
11. Write the Importance of the bill of exchange in international trade?
12. As a paying banker, when will you refuse for the payment of a cheque? Discuses
13. Discusses the duty and responsibility of a paying banker.
14. As a collecting banker, what precautions should you take for your safety?
15. How can a negotiable instrument be dishonored?

Loan and advance


1. Distinguish between cash credit and over draft.
2. Mention the different types of loans.
3. Discuses the various forms of bank credit.
4. What do you mean by credit management policy?
5. Define pledge? What are the essential of pledge?
6. Pledge is preferable to lenders but hypothecation is preferable to borrowers explain.
7. Mention briefly the salient feature of the different types of mortgages

Theory & Practices of Banking (BBA Program)


Aminul Haque Russel

8. Narrate briefly the right and liability of guarantor?


9. How can you justify the suitability of a security provide by a client?
10. Explain the various types of collateral security used by banks.
11. Explain the various forms of security.
12. What are the measures that a bank may take to overcome fraudary in loan procedure?
13. Determine the criteria of quality mortgagee.
14. Write about secured vs. unsecured loan.

Lending Policy
1. Explain the various approaches for determining the credit worthiness of borrowers.
2. Who can borrow from a bank?
3. State the element of sound lending policy of a bank.
4. Loan credit deposits do you agree with this statement? Explain.
5. How do you define good loans and bad loans?
6. What are the general principles of good lending? How do you select a borrower?
Discuss the various forms of funded and non-founded credit?
7. What are the sources of information required to prepare a credit proposal?
8. What is credit worthiness? State 6cs or 7cs credit worthiness.
9. Differentiate market rate from bank rate with example.
10. What indicates the poor lending policy of a bank?
11. What are the indicators of bad loans?

Payment instrument
1. What is cheque?
2. State the different features of a cheque?
3. Explain the different types of cheques?
4. Write the characteristics of bearer cheque, cross cheque and order cheque.

Theory & Practices of Banking (BBA Program)


Aminul Haque Russel

5. Explain the various types of payment instruments used by banks?


6. What is bank draft? How come it is different from a cheque?
7. What risk does a banker in use in honoring a post-dated chaque?

Crossing of cheque
1. What do you mean by crossing of cheque?
2. Describe the various types of crossing a cheque.
3. Why is crossing of cheque important?
4. Is crossing a materials alteration?
5. What will you do a banker when a materially altered cheque is presented for payment?

ACTS
1. What us money laundering? Discuss briefly the steps involved in the money laundering
process.
2. Explain the provisions related to prohibition of inside lending and capital requirement as
contained in bank company act 1991.
3. Lending banker will not files suit before selling of securities-Explain the procedure of selling
securities by lending banker under money loan court Act-2003.
4. Write short note on aurtho-rin court Act.
5. State the purpose bank company Act 1991.
6. Under the Banking Company Act of 1991, in what types of business a banking company may
engage itself?

Investment in securities
1. Lending is the principle business of books yet banks invests in securities. Explain why?
2. What is portfolio?
Short Note
1. Either or survivor clause.
2. Fined and floating charge.

Theory & Practices of Banking (BBA Program)


Aminul Haque Russel

3. CRR vs. SLR


4. IMF
5. Online banking.
6. Credit Monitoring.
7. ATM operation
8. Clearing house
9. Notary Public
10. Q-cash
11. Mobile banking
12. Collateral security.
13. Cash credit
14. Letter of credit.
15. Merchant banking
16. Operation of credit card.