GU BCom Banking Important Questions For Finance Major/Specialisation [Gauhati University BCom 3rd Sem. NEP FYUGP]

[Gauhati University BCom 3rd Semester Banking Important Questions, Question Banks, Most Repeated Question, GU BCom Banking Important Questions NEP FYUGP]

GAUHATI UNIVERSITY BCOM 3RD SEMESTER

NEP FYUGP - FINANCE MAJOR 

BANKING IMPORTANT QUESTIONS

Banking – Unit I Origin, Development, Types, and Functions of Banks

2 Marks Questions (Definitions / Direct Answers)

1. Define a bank. [GU BCom 2021]

2. What is meant by commercial bank? [GU BCom 2022]

3. Define central bank. [GU BCom 2023]

4. What is meant by indigenous bankers?

5. Define merchant banking.

6. What do you mean by scheduled banks? [GU BCom 2022]

7. State the meaning of non-scheduled bank.

8. What is meant by universal banking? [GU BCom 2024]

9. Define cooperative bank.

10. Write two primary functions of commercial banks. [GU BCom 2021]

11. Write two agency functions of banks. [GU BCom 2023]

12. Mention two development functions of a central bank.

13. What is the difference between retail banking and wholesale banking?

14. Define e-banking. [GU BCom 2024]

15. What is mixed banking?

5 Marks Questions (Short Notes / Brief Explanations)

1. Write a note on the origin and growth of banking in India. [GU BCom 2021]

2. Explain the functions of commercial banks. [GU BCom 2022, 2023]

3. Distinguish between scheduled and non-scheduled banks. [GU BCom 2022]

4. Write short notes on:
   a) Retail banking
   b) Wholesale banking
   c) Universal banking [GU BCom 2024]

5. Explain the role of indigenous bankers in the Indian economy.

6. State the different types of banks in India. [GU BCom 2023]

7. Distinguish between a central bank and commercial bank.

8. Write short notes on:
   a) Cooperative banks
   b) Merchant banks

9. Explain the agency functions of commercial banks. [GU BCom 2021]

10. What are the promotional functions of the Reserve Bank of India?

10 Marks Questions (Long / Essay Type)

1. Discuss the origin and development of banking in India. [GU BCom 2021, 2023]

2. Explain in detail the primary and secondary functions of commercial banks. [GU BCom 2022, 2024]

3. Discuss the different types of banks operating in India with examples. [GU BCom 2023]

4. What are the functions of a central bank? Explain with reference to the Reserve Bank of India. [GU BCom 2022, 2024]

5. “Commercial banks are the backbone of economic development.” Explain.

6. Explain the differences between scheduled and non-scheduled banks with examples. [GU BCom 2022]

7. What is universal banking? Discuss its advantages and disadvantages. [GU BCom 2024]

8. Discuss the role of merchant banking in India.

9. Explain the agency functions and general utility functions of commercial banks. [GU BCom 2021, 2023]

10. Discuss the significance of cooperative banks in rural development.

Banking – Unit II Banking Regulation Act, 1949 and Reserve Bank of India

2 Marks Questions (Definitions / Direct Answers)

1. What is the Banking Regulation Act, 1949? [GU BCom 2021]

2. State any two objectives of the Banking Regulation Act, 1949.

3. What is meant by licensing of banks? [GU BCom 2022]

4. Define capital adequacy of banks.

5. Mention two provisions relating to maintenance of cash reserve.

6. What is statutory liquidity ratio (SLR)? [GU BCom 2024]

7. Define cash reserve ratio (CRR). [GU BCom 2023]

8. Mention two powers of the RBI under the Banking Regulation Act.

9. Write two differences between scheduled and non-scheduled banks.

10. What is the meaning of branch licensing?

11. Mention any two restrictions imposed on banks under the Act.

12. State two provisions relating to management of banks.

13. What is meant by amalgamation of banks? [GU BCom 2022]

14. Define non-performing assets (NPA). [GU BCom 2024]

15. State two objectives of nationalisation of banks.

5 Marks Questions (Short Notes / Brief Explanations)

1. State the objectives and scope of the Banking Regulation Act, 1949. [GU BCom 2021]

2. Explain the provisions regarding licensing of banks. [GU BCom 2022]

3. Write short notes on:
   a) CRR [GU BCom 2023]
   b) SLR [GU BCom 2024]
   c) Capital adequacy norms

4. Explain the provisions relating to management of banks.

5. State the restrictions imposed on banks under the Banking Regulation Act, 1949. [GU BCom 2021]

6. Explain the provisions regarding amalgamation and winding up of banks. [GU BCom 2022]

7. Write a note on nationalisation of banks in India.

8. Explain the concept of Non-Performing Assets (NPA). [GU BCom 2024]

9. Write a note on the supervisory role of the Reserve Bank of India.

10. Distinguish between scheduled and non-scheduled banks.

10 Marks Questions (Long / Essay Type)

1. Discuss the main provisions of the Banking Regulation Act, 1949. [GU BCom 2021]

2. Explain the provisions of the Act regarding licensing of banks and branch expansion. [GU BCom 2022]

3. Critically examine the role of the RBI in regulating and supervising banks in India. [GU BCom 2023, 2024]

4. What are NPAs? Discuss their impact on the banking sector. [GU BCom 2024]

5. Discuss the objectives and achievements of bank nationalisation in India.

6. Explain the provisions of the Act regarding management and regulation of banks.

7. Examine the significance of CRR and SLR in controlling credit. [GU BCom 2023, 2024]

8. What are the restrictions imposed on banks under the Banking Regulation Act? [GU BCom 2021]

9. Discuss the provisions relating to amalgamation and winding up of banks. [GU BCom 2022]

10. Evaluate the importance of capital adequacy norms for banks.

Banking – Unit III Reserve Bank of India – Organisation, Functions and Credit Control

2 Marks Questions (Definitions / Direct Answers)

1. When was the Reserve Bank of India established? [GU BCom 2021]

2. State two objectives of the RBI.

3. Who was the first Governor of the RBI?

4. Mention any two functions of the RBI. [GU BCom 2022]

5. Define monetary policy. [GU BCom 2023]

6. State two quantitative methods of credit control. [GU BCom 2022]

7. State two qualitative methods of credit control. [GU BCom 2023]

8. What is the bank rate? [GU BCom 2024]

9. Define repo rate. [GU BCom 2024]

10. What is the reverse repo rate?

11. Define open market operations. [GU BCom 2022]

12. Write two functions of RBI as currency authority.

13. Mention two functions of RBI as regulator of credit.

14. What is the variable cash reserve ratio? [GU BCom 2021]

15. Write one difference between quantitative and qualitative credit control.

5 Marks Questions (Short Notes / Brief Explanations)

1. Write a short note on the organisational structure of RBI. [GU BCom 2021]

2. Explain the promotional functions of RBI. [GU BCom 2022]

3. Write short notes on:
   a) Bank Rate Policy [GU BCom 2024]
   b) Repo Rate and Reverse Repo Rate [GU BCom 2024]
   c) Open Market Operations [GU BCom 2022]

4. Distinguish between quantitative and qualitative methods of credit control. [GU BCom 2023]

5. Write a note on the issue of currency by RBI.

6. Explain the role of RBI as regulator of credit. [GU BCom 2023]

7. Explain the role of RBI in economic development of India. [GU BCom 2022]

8. Write a short note on statutory liquidity ratio.

9. State the limitations of monetary policy in India.

10. Write short notes on:
    a) Selective credit control measures
    b) Variable reserve requirements

10 Marks Questions (Long / Essay Type)

1. Discuss the organisation and management of the Reserve Bank of India. [GU BCom 2021]

2. Explain the various functions of RBI. [GU BCom 2022, 2023]

3. What is monetary policy? Discuss the objectives of monetary policy in India. [GU BCom 2023, 2024]

4. Explain in detail the quantitative methods of credit control adopted by RBI. [GU BCom 2022, 2024]

5. Explain in detail the qualitative methods of credit control adopted by RBI. [GU BCom 2023]

6. Critically examine the role of RBI as regulator of credit in India. [GU BCom 2022, 2023]

7. Discuss the role of RBI in promoting economic development in India. [GU BCom 2022]

8. What is open market operation? Discuss its role as a tool of credit control. [GU BCom 2022]

9. Explain the limitations of monetary policy in India.

10. Evaluate the importance of RBI in maintaining financial stability in India.

Banking – Unit IV Commercial Banks in India – Structure, Growth, Functions, and Recent Reforms

2 Marks Questions (Definitions / Direct Answers)

1. What is meant by commercial banking? [GU BCom 2021]

2. State two primary functions of commercial banks.

3. Write two secondary functions of commercial banks. [GU BCom 2022]

4. Mention any two types of deposits accepted by commercial banks.

5. What do you mean by term loans?

6. State two functions of development banks.

7. Write two points of difference between public sector and private sector banks. [GU BCom 2023]

8. What is meant by foreign banks? [GU BCom 2024]

9. Write two features of cooperative banks.

10. Mention two functions of regional rural banks (RRBs).

11. What is meant by priority sector lending? [GU BCom 2022]

12. Define financial inclusion. [GU BCom 2024]

13. What is meant by Basel norms?

14. Write two objectives of banking sector reforms in India.

15. What is a payment bank?

5 Marks Questions (Short Notes / Brief Explanations)

1. Explain the structure of commercial banking in India. [GU BCom 2021]

2. Distinguish between public sector and private sector banks. [GU BCom 2023]

3. Write a short note on:
   a) Regional Rural Banks (RRBs)
   b) Cooperative banks [GU BCom 2022]
   c) Foreign banks in India [GU BCom 2024]

4. Discuss the growth and development of commercial banks in India. [GU BCom 2021]

5. Explain the concept of priority sector lending. [GU BCom 2022]

6. Write a note on the role of commercial banks in rural development.

7. State the functions of development banks.

8. Explain the importance of financial inclusion in India. [GU BCom 2024]

9. What are the main recommendations of the Narasimham Committee on banking sector reforms?

10. Write a note on Basel norms and their significance for Indian banks.

10 Marks Questions (Long / Essay Type)

1. Discuss the structure of commercial banking in India. [GU BCom 2021, 2022]

2. Explain the primary and secondary functions of commercial banks. [GU BCom 2022]

3. Examine the growth and development of commercial banks in India since nationalisation. [GU BCom 2021, 2023]

4. Discuss the role of commercial banks in economic development of India. [GU BCom 2023]

5. Explain the objectives and achievements of priority sector lending in India. [GU BCom 2022]

6. Evaluate the role of cooperative banks and RRBs in rural development. [GU BCom 2022]

7. Discuss the importance of foreign banks in India. [GU BCom 2024]

8. Critically examine the reforms introduced in Indian banking sector since 1991. [GU BCom 2023, 2024]

9. Explain the concept of financial inclusion and discuss the measures taken by commercial banks to achieve it. [GU BCom 2024]

10. Write an essay on Basel norms and their implications for Indian banks.

Banking – Unit V Recent Trends in Banking and Challenges Ahead

2 Marks Questions (Definitions / Direct Answers)

1. What is e-banking? [GU BCom 2021]

2. Define mobile banking. [GU BCom 2022]

3. What is internet banking? [GU BCom 2023]

4. What do you mean by core banking solutions (CBS)?

5. Write the full form of NEFT and RTGS. [GU BCom 2022]

6. What is IFSC code?

7. State the meaning of SWIFT.

8. Write two benefits of digital banking. [GU BCom 2023]

9. What is UPI? [GU BCom 2024]

10. Mention two advantages of mobile wallets.

11. Define plastic money. [GU BCom 2021]

12. What is cyber security in banking? [GU BCom 2024]

13. State two challenges of digital banking.

14. Write two objectives of payment banks.

15. What is small finance bank? [GU BCom 2023]

5 Marks Questions (Short Notes / Brief Explanations)

1. Write a note on the role of technology in modern banking. [GU BCom 2021]

2. Explain NEFT and RTGS systems. [GU BCom 2022]

3. Write short notes on:
   a) Mobile banking
   b) Internet banking [GU BCom 2023]
   c) Unified Payments Interface (UPI) [GU BCom 2024]

4. Explain the features of core banking solutions (CBS).

5. What are the benefits of e-banking? [GU BCom 2021]

6. Write a note on payment banks and small finance banks. [GU BCom 2023]

7. Explain the role of ATMs in modern banking.

8. Write a note on plastic money and its advantages. [GU BCom 2021]

9. Explain the challenges of cyber security in the banking sector. [GU BCom 2024]

10. Write short notes on:
    a) Mobile wallets
    b) Digital payment systems in India

10 Marks Questions (Long / Essay Type)

1. Discuss the recent trends in Indian banking sector. [GU BCom 2021, 2023]

2. Explain the concept of e-banking. Discuss its advantages and disadvantages. [GU BCom 2021]

3. Explain in detail the working of NEFT, RTGS and UPI systems. [GU BCom 2022, 2024]

4. Discuss the role of technology in transforming Indian banking. [GU BCom 2021, 2023]

5. What are the challenges faced by banks in the era of digitalisation? [GU BCom 2024]

6. Discuss the role of payment banks and small finance banks in financial inclusion. [GU BCom 2023]

7. Explain the concept of mobile banking and internet banking. Discuss their advantages and limitations. [GU BCom 2022, 2023]

8. Evaluate the impact of ATMs, debit cards and credit cards on banking services. [GU BCom 2021]

9. What is cyber security in banking? Discuss the measures adopted by banks to ensure it. [GU BCom 2024]

10. “Technology has revolutionised Indian banking but also created new risks.” Discuss.

-00000-

We hope you found this post on Gauhati University BCom 3rd Semester Banking – Most Important Questions helpful. These questions have been carefully prepared by our expert team to support your exam preparation. Make the best use of them to take your studies to the next level.