-
202
জেসমিন-২
THE INSTITUTE OF BANKERS, BANGLADESH (IBB)
96th Banking Professional Examination, 2023
JAIBB
Governance in Financial Institutions (GFI)
Subject Code :
Time-3 hours
Full marks-100
Pass marks 45
[N.B. The figures in the right margin indicate full marks. Answer any five questions.]
1. (a) "Some directors think themselves as 'owner' of the bank, and some staffs are also responsible for supporting them"-In the context of the statement, please, discuss your assessment on Banks/Financial Institutions (FIS) in Bangladesh.
(b) Who is/are the real owner of the bank/FI? Please, justify your answer in brief.
(b) With the rising number of banking frauds, what changes to corporate governance structure of banks do you suggest to tackle it?
3. (a)What do you mean by Senior Management Team (SMT)? Describe the role of SMT in a business.
(b) State the duties and responsibilities of Chief Executive Officer (CEO) of a commercial bank as per BRPD circular letter no. 18, dated 27 October 2013.
(c) Can Bangladesh Bank change the CEO? How?
(c) State the indicators of liquidity risk.
5. (a) What is Enterprise Risk Management (ERM)? Describe the components of ERM.
(b) What is Emerging Risk (ER)? Narrate the characteristics of ER.
(c) What are the regulatory requirements and compliance challenges faced by financial institutions?
[Please turn over]
6. (a) Which one is the most disastrous risk for a bank/FI? Please, justify your answer.
(b) Please, briefly discuss five other important risks for
Banks/FIs.
(c) Please, discuss the risks and benefits of letting a distressed Bank/FI die.
7. (a) Why relationship with the competitors is so important?
(b) "The relationship between banker and customer is not only that of a debtor and creditor, they have other relationships too."-Describe the relationships.
(c) Describe the importance of full disclosure in corporate and financial world.
8. (a) What do you mean by market repositioning?
10. Answer the following questions. Answer is preferable in one sentence. Each question carries 2 marks. 2×10=20
(a) According to the companies Act, 1994, what is the minimum number of directors of a public limited company?
(b) Under which section of the Bank Companies Act, 1991, Bangladesh Bank is empowered to remove a director of a bank company?
(c) What is the minimum number of meetings of a Board to be held in a year as per Bangladesh Bank's instruction?
(d) Can a bank directly engage in the business of stock dealing?
(e) What is the minimum number of independent director in the Board of a bank company as per Bangladesh Bank directives?
(f) What is the alternative name of Tier-1 capital?
(g) How many principles are there in the Basel Corporate Governance Principles for Banks?
(h) What is the age limit for CEO of a bank?
(i) Who Can an agent of a bank encash cheques on behalf of the bank? are the secondary regulators of a bank/financial institutions? (Please name two)
২৫৩
ক্যামেলিয়া-১
THE INSTITUTE OF BANKERS, BANGLADESH (IBB)
96th Banking Professional Examination, 2023
JAIBB
Monetary and Financial System (MAFS)
Subject Code: 101
Time-3 hours
Full marks-100
Pass marks-45
[N.B. The figures in the right margin indicate full marks. Answer any five questions.]
Marks
1. (a) How money supply is measured? Compare and contrast M1 and M2 money supply.
(b) From the following information, measure the monetary aggregates of M1 and M2:
| Items | Value as of December 2022 (billion taka) |
| Currency in circulation | 2923.60 |
| Currency in tills of DMBS | 241.80 |
| Demand deposits | 1837.40 |
| Other checkable deposits | 6.20 |
| Time deposits | 13054.30 |
| Money market mutual fund | 10.50 |
2. (a) Do you think the Bangladesh Bank is considered as supreme monetary and banking authority? Discuss with its mandates under Bangladesh Bank Order, 1972.
(b) What is financial stability? How central bank acts as Lender Of Last Resort (LOLR) to maintain financial stability?
3. (a) Distinguish between 'debit card' and 'credit card'. Describe pros and cons of using a cheque as a payment method.
(b) What is QR code? Recently Bangladesh Bank introduced an interoperable Bangla QR to popularize payments for goods and services using various payment instruments, including bank accounts, debit, credit or prepaid cards, MFS and e-wallet accounts. Do you think that we are heading towards a cashless society in the near future? Give your opinion.
(c) If you use a 'credit card' to purchase goods or services on the internet, does this affect the M1 or M2 money supply or both or neither? Explain.
4.(a) What are the constituents of monetary system? Briefly discuss 2+8=10 the commercial banks role in the process of the money supply. [Hint: T-account or formula and reserve requirement.]
(b) What constitutes the monetary base? How does the central bank control the monetary base? 4+6=10
[Please turn over]
5. (a) What is a financial system? Which components constitute a financial system?
(b) Explain financial development in brief. How you can measure the financial development of a country? Illustrate with 3 different methods.
6. (a) Using a supply and demand framework for bonds, show why interest rates are procyclical (rising when the economy is expanding and falling during recessions). Show the effect on interest rates when the risk of loss of bonds rise under the same framework. 5+5=10
(b) What is the discount yield for a five year bond that was purchased for Tk. 60 and has a face value of Tk. 100.
(c) The average industry PE ratio for hotels similar to Shangri-La hotel Chain is 37. What is the current price of Shangri-La's earnings per share (EPS) are projected to be Tk. 1-16?
7.(a) Explain how Banking Financial Institutions (BFIs) and Non-bank Financial Institutions (NBFIs) serve as financial intermediaries.
(b) Outline the functions and growth of NBFIS in Bangladesh.
8.(a) At the current state of globalization, every country is internationally connected. What do you know about global integration of the financial market?
(b) What is the role of the foreign exchange market in the global financial market?
(c) Define 'balance on current acsoat' and 'basic balance' in international balance of payments.
(d) Which of the following transactions would increase a current deficit? (i) An increase in foreign travels
(ii) More long term borrowing by government
(iii) A decrease in export
(iv) A decrease in import
(v) An increase in remittance abroad.
9. (a) Briefly explain the basic fundamentals of Shari'ah Law? List major principles that must be followed while developing Shari'ah complaint products.
(b) List Shari'ah complaint Islamic banking products outlining Shari'ah principles.
(c) What do you know about Shari'ah governance in an Islamic financial institution? Outline the key players and their role in a 'Shari'ah governance framework'.
10. Please write short notes on any five of following topics:
(a) Monetary Policy Statement (MPS)
(b) Trust-cum-settlement Account
(c) Sustainable Finance
(d) Manage Float Exchange Rate System (e) OTC market
(f) MRA
(g) Mobile Financial Service (MFS)
(h) E-money.
95th Banking Diploma Examination, 2022
JAIBB
Business Communication (BC)
Subject Code : 102
Time—3 hours
Full marks - 100
Pass marks-50
(NB. The figures in the right margin indicate full marks. Answer any five questions in English)
Marks
1. (a) What is he importance of USD in business? 5
(b) Why has the value of USD increased abnormally in Bangladesh and what are the Measures BB has taken to control it? 15
2 (a) What are the important types of commercial advertisements? 5
(b) Elucidate the fact that commercial advertisements play a vital role in business Communication. 15
3. (a) How does teamwork contribute to your success as a branch manager? 5
(b) Describe the different steps you can take to seen your bank successfully. 15
,
4 (a) What is the importance of persuasive letters? 5
(b) Write a persuasive letter to a prospective customer of your bank trying to convince him about the new deposit scheme. 15
5. (a) What are the qualities of good report?
(b) Write a report on a meeting recently held in your bank Proposing collateral free loans for the poor.15
6. (a) What is a circular letter?
(b) Write a circular letter as a 'Branch Manager' announcing as ‘Incentive Award for the best employee as regards punctuality, Prompt service, good manners and hard work.
[Please turn over]
7 (a) What are the things that you have to keep in concern before opening a bank account?
(b) Suppose, you are transferred to the head office. Now as the previous manager, write a letter to the newly posted manager informing him of the most challenging aspects of your previous position.
8(a) What importance do calendars and diaries bear in banking activities?
(b) Draft a work order from the part of your bank to printers for printing calendars and diaries for the next year. 15
9 (a) What are the key features of a welcome address in a seminar session?
(b) Suppose, a customer has complained to the bank that a cheque issued by him has been dishonored despite sufficient balance in his account. Now, draft a persuasive reply with a valid reason.
10. Write short notes (any four) : 5x4=20
(a) Memorandum
(b) Corporate Social Responsibility
(c) Leaflets and Brochures
(d) RTGS and EFT
(e). Security for Loan
(f) Feedback
THE INSTITUTE OF BANKERS, BANGLADESH (IBB)
95th Banking Diploma Examination, 2022
Principles of Economics and Bangladesh Economy (PBE)
Subject Code: 104
Time—3 hours
Full marks—100
Pass marks—50
[N. B. The figures in the right margin indicate full marks. Answer any five questions.]
Marks
1. “Economics is a study of mankind in the ordinary business of life”. Explain this statement and state how the study of economics can help you as a banker.
2 (a) What is law of supply?
(b) Explain causes of change in supply.
(c) What is stock?
3. What is production function?
(b) Explain, the law of diminishing marginal productivity.
(c) What are exceptions of diminishing marginal productivity?
4. (a) What do you mean by perfect competition? What are its main characteristics?
(b) What is monopoly? How is it harmful for the consumers of a country like Bangladesh?
5 (a) What is inflation? How does it affect the common people?
(b) What are the measures the authorities can take to check inflation?
6. (a) Distinguish between Balance of Trade and Balance of Payments.
(b) How can the balance of payments of Bangladesh be improved?
7. (a) What is cost-benefit analysis?
(b) How can cost-benefit analysis help a businessman in Bangladesh to take correct decisions?
8. (a) “High unemployment is a curse for any country”—Explain the statement with reference to Bangladesh.
(b) How can unemployment be reduced with effective steps? Explain.
9. “The Padma bridge is connecting bridge of north-south development linkage of Bangladesh economy.”—Explain.
10. Write short notes on any four of the following:
(a) Money Multiplier
(b) SMES in Bangladesh
(c) Reserve Money
(d) Disguised Unemployment
(e) Monetary Policy
(f) Oligopoly.
93rd JAIBB Laws & Practice of Banking Question 2022
93rd JAIBB Accounting (AFS) question 2022
92nd JAIBB Laws & Practices of Banking Question 2021
92nd JAIBB Organisation and Management Question 2021
The Institute of Bankers, Bangladesh (IBB)
92nd Banking Diploma Examination
JAIBB
Accounting For Financial Services (AFS) Question 2021
 |
| Laws and Practice of Banking question |
The Institute of Bankers, Bangladesh (IBB)
Banking Diploma Examination November-December 2019
JAIBB
JAIBB Question Laws and Practice of Banking(LPB)
Time -3 Hours
Full Mark - 100
Pass mark - 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) SLR
(b) Limitation Act
(c) Real Time Gross Settlement
(d) Legacy Account
(e) BASLE III
(f) Currency Chest
(g) Lease Finance
(h) Conversion
2. You are in the account opening department of your branch. One day three prospective customers approach you to open accounts with your branch for their business. Mr. A is the owner of OP Enterprise, Mr. B is the Managing Director of QR Service Limited., Mr. C is the chairman of a co-operative society.
(a) What type of account(s) you will suggest them to open with your branch for ensuring a long run business relationship and why?
(b) State the name of all documents that each one of them has to provide for opening the accounts.
(c) How will you open a Minor’s Account as per Negotiable Instrument Act 1881?
3. (a) Bring out clearly the main difference between the Statutory Liquidity Ratio (SLR) and Cost Reserve Ratio (CRR).
(b) What is a Bank Rate? What is the Present Bank Rate in Bangladesh? Does change in the bank rate have any impact on the overall economy by Bangladesh? Discuss.
4. (a) What is Banking Lien?
(b) What is the liability of a banker to honour the cheque of his customer? What are the exceptions in case of which a banker can dishonour the cheque of a customer even if there is available balance in his account?
(c) Mr. Rahim enjoys credit facility from your branch against pledge of commodities. Mr. Rahim’s account shows a debit balance of Tk. 75000 including interest. Despite repeated notices served by the bank to adjust the account, the borrower does not respond to bank’s notice. After serving the final notice you have sold the pledged goods at Tk. 50,000. There is no other security for you to fall back upon for recovery of the remaining liabilities of the Customer. What would you do in this situation?
5. (a) What is meant by a collecting bank? What are the duties and responsibilities of a collecting bank?
(b) Can a collecting bank accept an uncrossed cheque for collection? What happens if the uncrossed cheque is accepted and its endorsement is forged’?
(c) A pays into his bank a cheque drawn on another banker payable to B and crossed “Not Negotiable”. Should A’s bank take such a cheque notwithstanding such a crossing? Give reasons.
6. Please give the appropriate answers to each of the following:
(i) Which court is entitled to deal with the trial of a case under Artha Rin Adalat Ain 2003?
(a) The Court of Judicial Magistrate (b) Thc Court of Session Judge
(c) The Court of District Judge (d) The Court of Joint Session Judge
(ii) In which court an appeal should be filed against the judgement of the Session Court?
(a) The Court of Joint-Session (b) The Court of Additional Session Judge
(c) High Court Division a (d) The Court of Judicial Magistrate
(iii) In which court an appeal should bc filed against the judgment of the Joint Session Court?
(a) The Court of Session Judge (b) The Court of Additional Session Judge
(c) High Court Division (d) The Court of judicial Magistrate
(iv) What is the amount of money (in percentage term) to be deposited to file an appeal under the Artha Rin Ada tat Ain 2003?
(a) 30% (b) 50% (c) 75% (d) 100%
(v) How many sections are there in the Artha Rin Adalat Ain 2003?
(a) 55 (b) 60 (c) 40 (d)138
(vi) Which of the following is not a step in the Money Laundering Process?
(a) Placement (b) Layering (c) Spending (d) integration
(vii) Within how many days a cheque dishonour case under section 138 of Negotiable Instrument Act 1881 be filed after serving legal notice?
(a)50 days (h)30 days (c) 15 days (d)35 days
(viii) Which of the following terms is used to describe the Money Laundering Process of channeling money through multiple financial Institutions to make it difficult to track?
(a) Integration (b) Placement (c) Camouflage (c) Layering
(ix) Money Laundering is the process by which the proceeds of criminal activity are channeled into legitimate mainstream of financial channel by hiding the source.
(a) True (b) False
(x) A customer of your branch suddenly approaches you four days in a row requesting each time transfer of Tk. 8,00,000. You do not need to report this asva suspicious transaction.
(b) True (d) False
7. Distinguish between any four of the following:
(a) Holder iii due course and holder for value
(b) Authorised capital and paid up capital
(c) Broad money and narrow money
(d) Crossed cheque and bearer cheque
(e) Money market and capital market
(f) Sight bill and usancc bill
(g) Commercial bank and specialized bank
Group B
8. (a) What is mortgage? What are ihe rights and obligations of mortgager and mortgagee?
(b) Mr. Rahim has been enjoying credit facilities against equitable mortgage of his landed
property valued Tk. 5.00.000. Since no mortgage deed was executed and no mortgage was registered. Mr. Rahiin enjoyed credit facility from Agrani Bank against registered mortgage of the same property. In order to recover the defaulted loan for Mr. Rahim, banks filed suit to gain title on the equitably mortgage property, Sonali Bank objects and pleaded that the land is already mortgaged to them duly registered.
9. (a) Discuss the importance of KYC to prevent money laundering and terrorist financing.
What are the documents needcd to verify KYC?
(b) What do you mean by predicate offence? Mention the mimes of 10 (ten) predicate offence as per Money Laundering Prevention Act.
10. (a) What is mean by a company under Company Act 1994.
(b) Distinguish between a Private Limited Company and a Public Limited Company.
(c) Select the most appropriate answer: -
(i) A minor can open and operate in uk own name if hc has attained the age of (w) 12 years (x) 16 years (y) 15 years (z) 18 years.
(ii) When a person in his life time appoints another person to operate his account after his death the appointed person is called : (x) Executor (y) Administrator (z) Attorney.
(iii) A joint account can he opened by a banker on receive of application signed by—
- (a) A majority of the joint account holders
- (b) Any member of the joint account holders
- (c) All the joint account holders
(iv) A bank maintains an account in the name of A and B payable jointly. On the death of A the balance in the account is payable to (x) B (y) A’s legal Representative (z) B and A’s legal representative jointly.
(v) A minor cannot—(a) accept a bill (b) draw a bill (c) endorse a bill.
11. (a) Does the Bangladesh Bank have the authority to cancel the licence of a Financial Institution? If yes, what are the grounds for which Bangladesh Bank can do so as per Financial Institution Act 1993?
(b) According to the Financial Institution Act 1993 what authority can Bangladesh Bank impose on a Financial institution?
(c) What is Liquid Asset? According to Financial institution Act which assets can be categorised as Liquid Asset?
The Institute of Bankers, Bangladesh (IBB)
Banking Diploma Examination November-December 2019
JAIBB
Business Communication (BC)
Time -3 Hours
Full Mark - 100
Pass mark - 50
[N.B.—The figures in the right margin indicate full marks. Answer any five questions in English.]
1. Certain cardinal principles should be maintained in business communications such as politeness in expression, correctness of information, proper etiquette, moderate persuasion etc.—Amplify the idea.
2. Draft a persuasive letter from a customer to his banker requesting for lowering the rate of L/C margin from 15% to 5°/o to ease the import of raw materials for his manufacturing industry. Give
genuine reasons for such a temporary concession.
3. (a) Discuss the necessity of ‘security’ while sanctioning a bank loan.
(b) Write to a valued customer that the car loan he has applied for cannot be sanctioned owing to insufficiency of security.
4.(a) Discuss the different forms of computer based business communication.
(b) What are the advantages of such communications?
5. Business communications in the financial institutions and banks are generally performed in the forms of letters, circular letters, advertisements and letters of credit : Describe each of them briefly.
6. On request from a prospective investor write to him detailing the schemes that are in vogue in your bank which may be attractive to him.
7. Prepare an imaginary telephonic conversation between the bank manager, and a defaulter loanee with suggestions from both sides so that the difficulty may be overcome for mutual benefits.
8. (a) What do you mean by ‘feasibility report’ of a project?
(b) Draft a letter to a customer suggesting measures for improving the project profile to make it eligible for bank loan.
9. (a) Point out the points of difference between personal communication and business communication.
(b) Draft a personal letter with a slight hints of business proposition.
10. Write notes on any four of the following: 5x4 = 20
(a) Agenda of the meeting
(b) Commercial advertisements
(c) Mass communication
(d) Single-digit interest rate
(e) Graphical presentation
(f) Spoken communication
JAIBB Banking Diploma Examination question of different years by Institute of Bankers, Bangladesh (IBB)
96th JAIBB Question 2023
1. Principles of Economics (POE)
2. Business Communication in Financial Institutions (BCFI )
3. Organization and Management
4. Laws and Practice of General Banking(LPGB)
5. Governance in Financial Institutions (GFI)
6. Monetary and Financial System (MAFS)
2. Business Communication in Financial Institutions (BCFI )
3. Organization and Management
4. Laws and Practice of General Banking(LPGB)
5. Governance in Financial Institutions (GFI)
6. Monetary and Financial System (MAFS)
92nd JAIBB Question 2021
1. Principles of Economics and Bangladesh Economy
2. Business communication
3. Organization and Management
4. Laws and Practice of Banking
5. Accounting For Financial Services
6. Marketing of Financial Services
November 2019
1. Principles of Economics and Bangladesh Economy
2. Business communication
3. Organization and Management
4. Laws and Practice of Banking
5. Accounting For Financial Services
6. Marketing of Financial Services
July 2019
1. Principles of Economics and Bangladesh Economy2. Business communication
3. Organization and Management
4. Laws and Practice of Banking
5. Accounting For Financial Services
6. Marketing of Financial Services
December 2018
1. Principles of Economics and Bangladesh Economy2. Business communication
3. Organization and Management
4. Laws and Practice of Banking
5. Accounting For Financial Services
6. Marketing of Financial Services
The Institute of Bankers, Bangladesh (IBB)
JAIBB
Accounting For Financial Services (AFS) Question December 2018
The Institute of Bankers, Bangladesh (IBB)
JAIBB
Business Communication question December 2018
The Institutes of Bankers, Bangladesh
Banking Diploma examination, July 2018
JAIBB
Principle of Economics and Bangladesh Economy (PBE)
Banking diploma candidates are searching previous year questions for their next exam. I collect different year questions for you.
Kha Set
THE INSTITUTE OF BANKERS BANGLADESH (IBB)
Banking Diploma Examination, November-December, 2018
Principle of Economics and Bangladesh Economy (PBE)
JAIBB
Time—3 hours
Full marks --100
Pass marks --50
1.(a) Economics is the study of mankind in the ordinary business of life.” Discuss the statement.
(b) State the relationship of economics with statistics and political science.
2 (a) Explain the main features of the markets under monopoly and oligopoly.
(b) There is no supply curve in monopoly.- Explain.
3. (a) State why a demand curve generally slopes downward to the right.
(b) What are the exceptions to the law of demand’?
4. (a) What is meant by the price elasticity of demand and what are its determinants’?
(b) Identify the price elasticity of demand for each of the following commodities. state reasons for your answer : salt. cigarette, life - saving drugs. rice and television.
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