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THE INSTITUTE OF BANKERS, BANGLADESH (IBB)
Banking Diploma Examination, December, 2012
JAIBB
Business Communication (BC)
Time—3 hours Full marks—100 Pass marlts—50
[N.B.— All questions carry equal marks. Answer any five questions in English language. Different parts, if any, of the same question must be answered in one place in order of sequence.]
- Describe what you understand by effective business communication. Describe the different modes of effective communication such as letters, seminars, interview and like others.
- To an honourable account holder write a letter regretting that you cannot sanction the car loan owing to insufficiency of security.
- Discuss with illustration as to how graphic aids make business reports more eflfective.
- Write a persuasive letter to a prospective customer of your bank trying to convince him about the new "Deposit Scheme".
- What are the qualities that the man on the stage presenting a business report, should possess for making an effective presentation?
- Write a letter as the manager of the branch to the H.O. citing some specific reasons as to why you want to shift your branch to the nearby locality.
- Prepare a feasibility report supporting a loan application for Tk. 2 crores on a fishery and poultry project spreading over 3 acres of land.
- Write short notes on any four of the following :—
- Correctness of communication;
- Board Meeting;
- Oral Communication;
- Welcome address in a seminar;
- Advertisement as business communication;
- Annual General Meeting.
Principles of Economics & Bangladesh Economy
JAIBB, December 2012
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JAIBB Question- 2011
THE INSTITUTE OF BANKERS, BANGLADESH
Banking Diploma Examination, November, 2011
JAIBB
LAWS AND PRACTICE OF BANKING (LPB)
JAIBB
LAWS AND PRACTICE OF BANKING (LPB)
Time—03 hours Total marks—100
Pass marks—50
Pass marks—50
[N. B. —The figures in the right margin indicate full marks. Answer any five questions of which two must be from group B.]
Group A
Marks
1. Write short notes on any five of the following:— 4x5=20
(a) Garnishee Order;
1. Write short notes on any five of the following:— 4x5=20
(a) Garnishee Order;
(b) A.T.M;
(c) Mobile Banking;
(d) BankRate; , , .
(e) Clayton's Rules
(c) Mobile Banking;
(d) BankRate; , , .
(e) Clayton's Rules
(f) K.Y.C;
(g) Non-issuable notes and Re-issuable notes;
(h) Subordinate Debt.
2. (a) Briefly discuss the main functions of a commercial bank. 10
(b) What role does a commercial bank play in the development 6
of an area?
(c) How does a commercial bank create deposits?
(g) Non-issuable notes and Re-issuable notes;
(h) Subordinate Debt.
2. (a) Briefly discuss the main functions of a commercial bank. 10
(b) What role does a commercial bank play in the development 6
of an area?
(c) How does a commercial bank create deposits?
4
3. (a) What is meant by a Collecting Bank? 5
(b) Discuss the duties and responsibilities of a Collecting Bank. 8
(c) Mr. Rahim opens a well introduced savings account with you. He deposits a cheque crossed account payee and withdraws the amount. A few days later, the paying bank informs you that the drawer of the cheque has learnt that real Mr. Rahim has not received the cheque and it was stolen in transit. On further inquiry it appears the man who opened the account with you is not tracieible at the address given. Paying bank calls upon you to pay bank the amount as the cheque was wrongly collected by you. As branch manager how would you deal with the above?
4. (a) What is a cheque? Discuss the main characteristics of a cheque. 8
(b) Is the banker's action legally justified in the following cases? Give reasons. 12
(i) Returning and not collecting a cheque crossed to two banks.
(ii) Paying a cheque to 'B' which is drawn in favour of 'A' and marked 'Not negotiable'.
(iii) Paying a cheque drawn on the customer's current account when there is insufficient balance in it by making a lien on the shares held in the same customer's safe custody account.
5. (a) What do you mean by Money Laundering? 6
3. (a) What is meant by a Collecting Bank? 5
(b) Discuss the duties and responsibilities of a Collecting Bank. 8
(c) Mr. Rahim opens a well introduced savings account with you. He deposits a cheque crossed account payee and withdraws the amount. A few days later, the paying bank informs you that the drawer of the cheque has learnt that real Mr. Rahim has not received the cheque and it was stolen in transit. On further inquiry it appears the man who opened the account with you is not tracieible at the address given. Paying bank calls upon you to pay bank the amount as the cheque was wrongly collected by you. As branch manager how would you deal with the above?
4. (a) What is a cheque? Discuss the main characteristics of a cheque. 8
(b) Is the banker's action legally justified in the following cases? Give reasons. 12
(i) Returning and not collecting a cheque crossed to two banks.
(ii) Paying a cheque to 'B' which is drawn in favour of 'A' and marked 'Not negotiable'.
(iii) Paying a cheque drawn on the customer's current account when there is insufficient balance in it by making a lien on the shares held in the same customer's safe custody account.
5. (a) What do you mean by Money Laundering? 6
(b) Why is prevention of money laundering necessary? 6
(c) How can a banker perform his duties in preventton of money laundering under the existing law regiarding money laundering? 8
6. (a) What is meant by Banker's right of Set-off? 6
(b) When and how does a banker apply his right of Set-off? 7
(c) 'A' has taken an overdraft of Tk. 5,000.00. The customer has a credit balance of Tk. 7,000.00 in his savings bank account. On customer's failure to adjust the account on due date and after due notice, the banker adjusts the custcunrar's overdraft from his saving bank account. Is the banker's action legally justified? 7
7. Distinguish between any four of the following:— 5x4=20
(a) Share and Mutual Fund;
(b) CRR and SLR;
(c) Holder in Due Course and Holder for Value;
(d) Money Market and Capital Market;
(e) Legal Mortgage and Equitable Mortgage;
(c) How can a banker perform his duties in preventton of money laundering under the existing law regiarding money laundering? 8
6. (a) What is meant by Banker's right of Set-off? 6
(b) When and how does a banker apply his right of Set-off? 7
(c) 'A' has taken an overdraft of Tk. 5,000.00. The customer has a credit balance of Tk. 7,000.00 in his savings bank account. On customer's failure to adjust the account on due date and after due notice, the banker adjusts the custcunrar's overdraft from his saving bank account. Is the banker's action legally justified? 7
7. Distinguish between any four of the following:— 5x4=20
(a) Share and Mutual Fund;
(b) CRR and SLR;
(c) Holder in Due Course and Holder for Value;
(d) Money Market and Capital Market;
(e) Legal Mortgage and Equitable Mortgage;
(f) Primary Security and Collateral Security;
(g) Retail Banking and Wholesale Banking.
Group B
8. Describe the procedure for lending against the following Securities:— 5x4=20
(a) Financial Obligations;
(b) Work Order,
(c) Trust Receipts;
(d) Immovable Properties.
8. Describe the procedure for lending against the following Securities:— 5x4=20
(a) Financial Obligations;
(b) Work Order,
(c) Trust Receipts;
(d) Immovable Properties.
9. (a) Discuss the significance of Bank Loan 8
(b) What are the main points considered by a Banker in processing a loan application? 6
(c) Why is it necessary to .keep provisions against classified loans and advances? 6
10.(a) Discuss the salient features of Bankruptcy Law in Bangladesh. 7
(b) Discuss the main provisions of laws relating to the Artha Rin Adalat. 7
(c) Do you think the existing laws relating to die Artha Rin Adalat and Bankruptcy Law are adecpiate to deal with the delinquent borrowers? Discuss. 6
(a) Describe the risks a banker is likely to face in paying a
(i) Post dated cheque (ii) Stale cheque and (iii) Crossed cheque over the counter. (b) A Demand Draft issued by you on om of your branches is lost before it reaches the recipient. As a banker what steps you will take when the purchaser of the draft demands his money back?
(b) Discuss the main provisions of laws relating to the Artha Rin Adalat. 7
(c) Do you think the existing laws relating to die Artha Rin Adalat and Bankruptcy Law are adecpiate to deal with the delinquent borrowers? Discuss. 6
(a) Describe the risks a banker is likely to face in paying a
(i) Post dated cheque (ii) Stale cheque and (iii) Crossed cheque over the counter. (b) A Demand Draft issued by you on om of your branches is lost before it reaches the recipient. As a banker what steps you will take when the purchaser of the draft demands his money back?
