jaiibprinciplesbanking

8/10/2019 jaiibprinciplesbanking

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MODEL QUESTIONS --- JAIIB

PRINCIPLES OF BANKING MODULE A & B

1) Reserve Ba! "# I$%as #'(%"s are (*ass%#%e$ %"+

a) Supervisory & Regulatory

,) Promotional & Developmental

() Refinance Activities

$) All of the above $)

.) M%%/'/ Ba! Rae %s+

a) 3%

b) 4%

c) 5%

) !one $)

0) Se( ---- "# RBI A(1203 4%ves s"*e 5"6er " RBI " %ss'e ('rre(7

"es

a) "#

b) "$c)

) ( )

3) K8C /eas

a) 'no( our *ustomer very (ell

,) 'no( our e+isting *ustomer very (ell

() 'no( our prospective *ustomer very (ell

$) Satisfy yourselves about the customer,s ientity an activities- $)

9) I a Gar%s:ee Or$er :e ,a!er " 6:"/ 4ar%s:ee "r$er serve$ %s+

a) .ugement Debtor,s *reitor

b) .ugement *reitor,s *reitor

c) .ugement *reitor,s Debtor

) .ugement Debtor,s Debtor $)


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;) Se( 101 "# NI A(1


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a) Plege

b) ypothecation

c) /an0er,s lien

) 6uarantee ( )

1.)T:e er/ Cre$% Maa4e/e ("vers

a) *apital ae7uacy norms

b) Ris0 management incluing Asset8iability management

c) *reit appraisal 9 ecision an revie( of loans & avances

) All of the above $)

10)Ba!s Asses are (*ass%#%e$ % " sa$ar$ asses s',sa$ar$

asses $"',#'* asses a$ *"ss asses ,ase$ " :e

re("//e$a%"s "# -------------------- C"//%ee

a) Rangara:an

b) !arasimham

c) 6hosh

) ;anon ,)

13)T:e %/e a!e " ("ver (as: %" ra6 /aer%a*s se/% #%%s:e$

4""$s #%%s:e$ 4""$s a$ %" (as: %s !"6 as

a) ;rae cycle

b) *ash cycle

c)


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.) I a se('r%%sa%" $ea* :e r"*e "# a S5e(%a* P'r5"se e:%(*e SP)

%s

a) ;o ac7uire large !on Performing 8oans @!PA)

,) ;o ac7uire such loans from a ban0 or financial institution

() ;o ac7uire such loans for a transfer price (ith or (ithout recourse

$) ;o manage the ac7uire loans for the purpose of realiBation or hols

them as investment till maturity $)

.1)Se('r%%sa%" %s a 5r"(ess "# a(@'%r%4 :e *"as (*ass%#%e$ as

a) /oo0ebts

b) Performing ebts

c) /a ebts

) !on performing ebts $)

..)T:e /%%/'/ 5er(ea4e "# Pr%"r%7 Se("r a$va(es " ,e

/a%a%e$ ,7 #"re%4 ,a!s % I$%a

a) 4#%b) "$%

c) 3%

) #% ( )

.0) L"a #"r #%s: rear%4 %s ("vere$ '$er Pr%r"r%7 Se("r as -----------

a$va(es

a) Direct Agriculture

b) 1nirect Agriculture

c) Self >mployment Scheme

) Allie to inirect Agriculture a)


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.3) Cas: B'$4e %s a sae/e "#

a) *ashC!on cash funs

b) *ash receipt an *ash payments

c) Another name for cash flo(

) !one ,)

.9) I ,a!s 5ar*a(e (re$% r%s! % *e$%4 %s

a) Default of the ban0er to maintain *RR

b) Default of the ban0er to maintain S8R

c) Default of the ban0er to release creit to the customer

) Default of the customer to repay the loan @)

.;) T:e a5e= %s%'%" 6:%(: :a$*es re#%a(e #"r a4r%('*'re a$

r'ra* $eve*"5/e %s (a**e$+

a) R/1

b) S1D/1

c) !A/ARD

) S>/1 ( )

.>) L"4 F"r/ A'$% Re5"r LFAR) %s 5re5are$ a$ s',/%e$ ,7

a) R/1 inspectors

b) 1nternal inspectors

c) Statutory auitors ( )

) *oncurrent auitors

.


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.2) Ieres %s (a*('*ae$ " a('a*0;9 $a7s ,as%s % res5e( "# :e

#"**"6%4 5r"$'(s e=(e5 "e +

a) *all 2oney

,) !otice 2oney

() ;erm 2oney

$) 6/1 $)

0.) FIMMDAs 4eera* 5r%(%5*es a$ 5r"(e$'res are a55*%(a,*e "+

a) =i+e 1ncome 2ar0ets

b) 2oney 2ar0ets

c) Derivatives 2ar0ets

) All of the above @)

00) 8"'r ,a!s ('s"/er 8 L$ eH"7s a CC *%/% "# Rs1

T:e CC a(("' s:"6s a (re$% ,a*a(e "# Rs1.9

T:e re*a%"s:%5 ,e6ee 7"'r ,a! a$ 8 L$ %s+

a) Debtor*reitor

,) *reitorDebtor

() /ailor/ailee

$) /ailee/ailor a)


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03) T:e r%4: "# se-"## %s+

a) *ustomer,s Right

b) *ustomer,s


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02) A ,a! % I$%a 6as " '$era!e (a5%a* /ar!e a(%v%%es %

s:"'*$+

a)


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33) E=(e5 "e "# :e #"**"6%4 ":ers are 5ar "# P',*%( Se("r Ba!s+

a) State /an0 of yeraba

b) *entral /an0 of 1nia

c) Regional Rural /an0 sponsore by a nationaliBe ban0

) D=* /an0 $)

39) A ,a!er %s e=5e(e$ " :""'r :e (:e@'es 6%:% :e s5e(%#%e$

,a!%4 :"'rs as 5er Se(%" "# NI A(1


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.A11/ E>S;18E>S;1R

") 1f number of partners in a firm is in respect of traing activity the firmis

") 8imite company) 8arge partnership3) 1llegal association4) !one of these

) 2anate given by the illiterate account holer shoul be

") Atteste by manager (ho confirms an certifies thee same-) Atteste by !otary public or 2agistrate-3) 1t is enough if (e as0 for a 2anate letter (ith 8;1 (hich has to beatteste an authorise official-4) Fe cannot accept a manate from an illiterate customer at all-

3) A :oint account is operate by A an / as both or survivor- A ies an ache7ue signe by A an / are presente for payment- ;he che7ue

") *an be pai-) *an be pai after getting confirmation from /-3) *an be pai after getting the consent of the legal heirs of A-4) !one of the above-

4) 1; authorities have seiBe a eposit receipt from a customer- ;heeposit has mature- !o( the eposit receipt is presente by 1; authoritiesfor payment along (ith over ue interest

")


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) Diversification-3) *ombination-4) All the above

) 2ergers are of 4 types- ") ?ertical mergers ) *onglomerate mergers 3)*oncentric 2erger Fhat is the 4th type-

") Practical mergers) oriBonal 2ergers3) ;ypical mergers

4) =oreign 2erger

G) A formal an mutually agree commercial collaboration bet(een*ompanies is 0no(n as") 2erger) Amalgamation3) Strategic Alliance4) Subsiiary

$) *ombining of t(o e+isting *ompanies into a ne( *ompany in (hich theboth the e+isting companies e+tinguish an a ne( *ompany is mae orcreate is 0no(n as

") *onsoliation-) 2erger3) Strategic Alliance4) Ac7uisition

) 1n "" three Presiency /an0s in 1nia 9 ;he /an0 of /engal ;he/an0 of /ombay an /an0 of 2aras (ere amalgamate into one /an0(hich is no( calle-

") Reserve /an0 of 1nia) nite /an0 of 1nia3) State /an0 of 1nia-4) *< ban0

"#) ;he minimum perio for (hich commercial papers can be issue is


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") " months) " month3) 3 months4) *P can be issue for maturity from G ays to " year

"") Accoring to Section "3# of ;ransfer of Property Act the transfer of anactionable claim can be effecte only by the e+ecution of an instrument in(riting signe by transferor or by his uly authoriBe agent ;his moe oftransfer of an actionable claim is 0no(n as CCCCCCCC

") Assignment) 8ien3) 2ortgage4) ypothecation

") A bill is ra(n on "th =eb ##" (hich is payable after 3# ays- 1t (illmature on

") "3-3-##") "5-3-##"3) #-3-##"4) !one of these-

"3) 2r-Rao (ants to give manate to his minor son

") 1t cannot be accepte since the manate is to be given in favour of aminor) 1t can be accepte as the minor can act as an agent3) 2anate can be accepte to operate only creit transactions an noebit shoul be allo(e4) !one of the above-

"4) >+ecutors an aministrators can elegate their po(ers to a thir partyto operate the account

") /y manate) /y po(er of attorney3) /y obtaining permission from R


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3) ;o facilitate receipt of onationsgrants from foreign countries-4) !one of the above-

") *oupon rate refers to

") /an0 rate) P8R3) ;he annual interest rate specifie on bons4) All the above-

"G) 2r- Subramanian (ho is an


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an the official receiver of the unischarge insolvent4) ou can pay to the other eposit holers iviing the balanceproportionately after ta0ing R< permission

A!SF>RS

") 3 )

3) 4) 4 5) ) 4 G) $) 3

) "#) " "") " ") " "3) "4) 3

"5) " ") 3 "G) 4 "$) 4 ") " #) 4

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