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JAIIBPrinciplesandPracticesofBanking Home
MODELQUESTIONSJAIIBprinciples
LEGALASPECTSOFBANKING
1. AccordingtoyouwhatarethemostimportantfunctionsofReserve ACCOUNTINGANDFINANCEFOR
BankofIndia? BANKERSJAIIBCONCEPTS2012
CAIIBBASELIICONCEPTSANDOTHER
Ans: ASPECTS
Someoftheimportantaspectsrelatingto
a.RBIistheCentralBankoftheCountry CRRandSLR.
importanttips
b.ActsasaNoteIssuingAuthority
JAIIBPrinciplesandPracticesof
c.ActsasaBanker'sBank Banking

d.ActsasBankertoGovernment
wasituseful
e.SuperviseandControlBanksandfinancialInstitute

f.RBIiscontrollinginflationthroughMonetaryandCreditPolicy

g.Regulatestransactionsinforeignexchange

2.AspertheSection20andSec21ofRBIActRBIisobligedtotransact
banking business and mange the Public Debt of Central
GovernmentCanyouelaboratetheRoleofRBIinthePublicDebt
PopularPosts

Ans:PublicDebtcanbebywayoflongtermbondsandorbywayofTreasury JAIIBQUESTIONSANDMODEL
Bills QUESTIONPAPER
1)Ifnumberofpartnersinafirmis22in
respectoftradingactivitythefirmis1)
a.AtpresentTreasuryBillsareissuedforperiodsof91daysand364days. Limitedcompany2)Largepartnership3)
b. TheTreasuryBills are issued for meeting the Short Term requirements Illegal...

whereastheLongTermBondsareissuedforvariousperiodsformeeting MODELQUESTIONSJAIIBprinciplesof
longterminvestments. bankingimportantquestions
1)Anaccountholderdrawsa
chequeona:a)BankerofthePayee
b)BankeroftheDraweec)Bankerofthe
3.WhatdoyouknowbytheTermWaysandMeansAdvances? Drawerd)Bankero...

JAIIBEXAMINATION'SSUBJECTSAND
Ans:AsperSection17(5)ofRBIAct,BankcangivetheCentralandState SYLLABUS,WORKBOOKAND
Government Advances which are repayable within 3 months. This is thus a AVALIBLITYOFBOOKS
JAIIB/CAIIBEXAMINATIONIIBFMembers
short term finance and bridge the interval between expenditure of the arethoseindividualswhoareLife
Governmentandtheflowofrevenueplannedinthebudget. membersoftheInstituteandare
employeesofabankingestablishme...

MODELQUESTIONS
4.Y.V.ReddyCommitteehascomeoutwithanewconceptofMonetary JAIIB+PRINCIPLESOFBANKING
MODULEA&B
AggregatesandalsoLiquidityAggregates.Whatarethey? MODELQUESTIONSJAIIB1)
ReserveBankofIndiasfunctionsare
classifiedinto:a)Supervisory&
Ans:M0,M1,M2,M3arecalledMonetaryAggregage Regulatoryb)Prom...

andL1,L2,L3arecalledLiquidityAggregates. AccountingConceptsANDIMPORTANT
QUESTONS
Thefollowingarethegenerallyaccepted
AccountingAssumptions.1)Concepts
5.WhatisBroadMoney? attherecordingstage.Theseareconcepts
tobeobserve...

Ans:M3isknownasBroadMoney. IndianFinancialSystemjaiibimportant
questionsandanswers
SlNoQuestionAnswer1Thestructurethat
M1isknownasNarrowMoneyandis isavailableinaneconomytomobilizethe

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M1=Currencyiscirculation+BankersDepositwithRBI+otherdepositswith capitalfromvarioussurplussectorsofthe
economy...
RBI.
TESTPAPEROFJAIIBLEGALASPECTS
M3 =M1 + Certificate of Deposit issued by Banks + Term Deposit (excluding
AccountingConceptsANDIMPORTANT
FCNR (B) with maturity upto one year + Term Deposti excluding FCNR (B) of QUESTONS
more than one year + call borrowing by Banks from Non Depository Financial Thefollowingarethegenerallyaccepted
AccountingAssumptions.1)Concepts
Corporate. attherecordingstage.Theseareconcepts
tobeobserve...
6.WhatisL1,L2,L3LiquidityAggregates.
NEWBANKINGUPDATESODJAIIB/CAIIB
ExpandUTRThemomenttheRTGS
messagereachesthePIServer,the
L1=M3+alldeposits(ExcludingNSEs) systemgeneratesaUTR(Unique
TransactionReferenceNo.)akinto...

L2=L1+TermDeposits/TermBorrowing/CertificatepfDepositsIssuedbyTerm
LendingInstitution/RefinancingInstitute. BlogArchive

2012(9)
L3=L2+PublicDepositofNBFCs. February(9)
TESTPAPEROFJAIIBLEGAL
ASPECTS
7.WhatismeantbyOpenMarketOperationofRBI. NEWBANKINGUPDATESOD
JAIIB/CAIIB
Ans: The Buying and Selling of securities or other Assets like Foreign MODELQUESTIONSJAIIBprinciples
ofbanking...
ExchangeGoldbytheCentralBanktoaltertheliquidityoftheBanksisknown
asopenMarketOperation.WhenRBIbuysGovernmentSecuritiesfromBanks MODELQUESTIONS
JAIIB+PRINCIPLESOFBANKING...
the liquidity portion of the Banks increases. Alternatively, when the Reserve
IndianFinancialSystemjaiibimportant
BanksellsthesecuritiestobeBanks,thebanksliquiditypositionisreduced. questions...
JAIIBQUESTIONSANDMODEL
8).WhataretheQuantitativeCreditControlmeasuresexercisedbyRBI. QUESTIONPAPER
AccountingConceptsANDIMPORTANT
Ans: QUESTONS
AccountingConceptsANDIMPORTANT
QUESTONS
a.BankRate
JAIIBEXAMINATION'SSUBJECTSAND
b.ReserveRequirement SYLLABUS,WORKBOO...
c.OpenMarketOperation
d.InterestRatePolicy
Therewasanerror Followers
inthisgadget

9).WhatistheQualitativeControlmeasuresusedbyRBI.

SelectiveCreditControlisusedbyRBItoregulatecostandquantumofcreditto
selectsectors.

10.AsperSection45(c)RBIhaspowerstodirectBankstosubmit
FollowbyEmail
detailsofcreditextendedbythemElaborate.
Emailaddress... Submit
Ans:

RBI collects information on all the borrowers enjoying Secured Credit Limit of
Rs.10lacsandaboveandunsecuredCreditLimitofRs.5lacsandabove.

RBI also collects the details of all doubts loss of suit filed account with
aggregateoutstandingofRS.1Croresandaboveandcirculatethedetailstoall
Banks.

11.WhatinformationisprovidedthroughBSRIReturn.

Ans: BSR I Part ( A ). Branches are required to resort particulars of all


borrowalaccountsenjoyingcreditlimitaboveofRs.2lacs.

BSRIpartB,detailsoflimitsofRS.2,00,000andlessaretobefurnished.

12.WhatarethecomponentsofNDTL.

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Ans:

The Time, Savings and Current Depends, Sundry Creditors, Interest Accrual,
InterestAccruedandPayable,NetofLiabilitytoBankingSystem.

However,thesameexcludetheinsideliabilitylike,claimreceivedfromECGC,
amountreceivedpendingfinaladjustmenttowardstheduesetc.,

13.CRRistobemaintainedasperRBIActElaborateonthis.

Ans:

a.CashReserveRatioasperSec42ofRBIAct.

b.AsperthelatestMonetaryPolicyCRRistobemaintained@6%ofNDTL
forScheduledCommercialBanks

c. TheRequiredAmountunderCRRistobekeptwithRBIintheirCurrent
AccountinthecaseofSchedulesdBanks

14.WhatisthemodeofmaintainingCRR

a.CRRistobemaintainedintheformofbalancewithCAofRBI.

15.WhatarethemajorrecommendationsofNarasimhanCommittee.

Ans:

a. Introduction of Prudential Norms viz., Asset Classification, Income


Recognition,ProvisioningandCapitalAdequacynorms
b.ReductionofSLRto25%andCRRtoalowlevel.
c.PrivatisationofPublicSectorBanks.GovernmentCapitaltobereducedto
51%inthefirststageandthento33%inthesecondstage.
d.Introductionofnewlegalsetup.SetupDRT.
e.EntryforForeignBanksandalsosettingupofNewPrivateSectorBanks.
f.Recommendedforsettingup.BoardforFinancialSupervision.

16.WhatarethefunctionsofBoardforFinancialSupervision

a.IntegratedSupervisionoverCommercialBanks,FinancialInstitution,Non
BankingFinancialIntermediaries.etc.,

b.TheSupervisionwillbeboth"onsite"and"offsiteSupervision".

c.ForOffSitesupervisionRBIhasintroducedDSBReturns

17.HowmanyDSBReturnsareintroducedbyRBIandwhichallareasthey
cover.

Ans: There are seven types of DSB Returns. Cover, Details of Assets and
Liability of Banks, Capital Adequacy, NPA Assets, and Quality of Assets,
PositionofUnreconciledentriesetc.,etc.,

18.Whatarethecircumstanceswheredisclosureofcustomersaccountis
permitted

Ans:Disclosurecanbeallowedasperorderofcourt

a.OrderofCourt
b.Aspersec4SofBankersBooksEvidenceAct1891
c.AsperIncomeTaxACt1961Sec131andSec133.
d.AsperCriminalProcedureCode
e.AsperDirectionsfromPoliceDepartment,CBIetc.,
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f.FEMAandMoneyLaunderingAct
g.AsperCompaniesAct1956asperSec251
h. As per Sec 45 ( C ) of RBI Act, where credit information has to be
disclosed
i.Disclosuretoanotherbank
j.DisclosureinPublicInterest

19. What is the procedure to be followed when Garnishee Order Is


received.AlsoexplainwhatisGarnisheeOrder

a.OrderfromCourtcalledorderNishi.
b. TheorderNishiwouldinstructBanktorecoverandRemitbalanceinthe
accountofitscreditorstocourt.
c.BranchhastoblocktheAccountifitisnotencumberedandthenreportto
ROforfurtherinstruction.
d.Branchhastointimatethecustomeralsoonthesame.
e.BranchhastothenadvisethedetailsofBalanceetc.,tocourt.
f. OnreceiptoffinalorderfromCourtwhichisknownasOrderAbsolute,
branchhastoremittheamounttocourt.

20. What is the Speciality of Income Tax attachment order compared to


GarnisheeOrder.

Ans:

a.Garnisheeordercanbeappliedinthesamecapacityaccount

b. Garnishee order does not attach account of Insolvent and Deceased


customersaccount

c. Only balance in account at the time of receipt attached. Income tax


attachmentorderontheotherhandattaches,

d.Deceasedandalsoinsolventcustomers

e.InrespectofJointaccounttheorderattaches50%ofthedue

f.Attachtheavailableandalsopipelinecredits.

21.WhatarethedifferencebetweenMandateandPowerofAttorney.

Ans:a.MandateisasimpleletterofauthoritygivenbyanAccountHolder
toanotherpersontooperatehisaccountonhisbehalf.Tomake,drawetc.,of
BillsorNegotiableInstruments.

b.PowerofAttorneyisageneraldocumentusedtoconveypowersfor
manyotherpurposesbesidestheoperationintheaccount.
a.MandateisgiveninPlainPaper
b.PowerofAttorneyisgivenonastamppaper
c. Power of Attorney has to be executed in presence of a Notary
Public.
d.PowerofAttorneycanbeRegisteredorUnregistered.

22.WhatarethesalientfeaturesofCapitalGainsTaxAccount1988.

Ans:

a.Forpersons,firmsandothers,whohavecapitalgainandwishtoinvestthe
sameinhousepropertyetc.,withinaperiodof3yearsthemountofgain
canbekeptinanaccountknownasCapitalTaxAccount.

b.TheAccountcanbeeitherSBorTermDeposit.

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c.Nominationfacilityisavailable.

23.WhatisaProbate.

"A copy of will certified under the seal of court of competent jurisdiction
confirmingthatthewillhasbeendulyexecutedandisthevalidone".

24.WhatisthedifferencebetweenLetterofAdministrationandProbate.
Ans:LetterofAdministrationisissuedwherethepartyhasnotcreatedaWill.

Probateisthecertifiedapprovedwillandisissuedwhenthepartyhasleftawill.

25. What is the present procedure for settlement of claim of deceased


constituent.

Ans:

1.WhereeverBanksholdnominationsinrespectofdepositaccountholders,
settlementshouldbedoneaspernominations.
2.WherethesettlementissoughtasperLegalrepresentationthesamecan
besettledasperCourtdecisions.
3. InothercaseswhereBankwishtosettlewithoutlegalrepresentations,
Bankcancallfor
a.DeathCertificate
b.ConsentLetter
c.Affidavit
d.Enquiryforms
e.LegalHeirCertificate
f.StampedReceipt
g.Indemnity

26. What are the important section of Negotiable Instrument which has
relevancetodaytodaybankingtransactions.

Ans:

a.Section4,5,6whichdefinePromissoryNote,BillofExchangeandCheque.

b.Section10whichdefinespaymentinduecourse

c.Section31.Obligationofabankertomeetcustomersmandate

d. Section 85, 85 D Protection to a paying banker paying an order


instrument

e.Section89givingprotectiontoabankerpayinginstrumentswithmaterial
alterationswhicharenotapparent.

f.Sec128,whichgivesprotectiontoabankerpayingacrossedcheque.

g. Sec131givesprotectiontoabankercollectionacrossedchequefora
customer.

h.Sec138142DishonourofchequeforwantofFunds.

27.WhatarethenewguidelinesontheNIActrelatingtoSec138142.

Ans:

a. The Amendment includes, imprisonment for 2 years and penalty twice


amountofcheque.

b. Timeforinitiatingcriminalaction30daysfromthedateofintimationof
dishonourofchequebythepayee.

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28. What are the salient features of latest decided cases in respect of
DishonourofchequesunderSection138142ofNIAct.

Ans:

Thesectionisapplicabletoreturnofcheques
a)Byrepeatedpresentationsattherequestofdrawer
b)Incaseofclosureofaccount

29.WhicharecommitteesconstitutedforimprovingCustomerServicesin
Banks

a.TalwarCommittee
b.GoiporiaCommittee
c.TaraporeCommittee

30.WhatdoyouknowofCOPRA1986.

Ans:

1. ConsumerProtectionAct1986,providetheConsumer,asimplespeedy
and inexpensive way of redressal of grievance in case of any
deficiency/defect in goods and services bought/used by him for a
consideration.

2.Thereare3typesofagencies

a. District Level Consumer Disputes redressal forum which can handle


disputesuptoRs.20lacs.
b. State Consumer Disputes redressal commission which can handle
disputesgreaterthan20lacstoRs.100lacs
c. National Consumer Disputes Redressal Commission which can handle
disputesexceedingRS.1Crores
d. Thecomplainthastobelodgedwithin2yearsfromthedateofcauseof
action.
e.Nostampdutyispayable

31. What is meant by credit clearing under Electronic Clearing Service


(ECS)
Ans:

a. This clearing service is introduced as per Saraf Committee


Recommendations for handling repetitive or low value transactions like


Interestdividend,pensionetc.,etc.,For example Dividend by UTI, its
US64monthlyinterestonUTIschemesetc.,
32.WhatismeantbyESCDebitclearing?

Ans:

Thisisfordebittransactionslikepaymentofelectricitybills,telephonebillsetc.,

33.Whatistheimportanceofelectronicfundstransfer

Ans:

a.SarafCommitteerecommendedfortheIntroductionofEFT.

b.UnderEFT,fundscanbetransferredbetweenbranchesofabankandalso
betweenbanks(via)electronicmedia

c.RBIhasrecentlydevelopedanewEFTSpecialElectronicFundstransfer
fortransferofLargeValueTransaction.

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34. Elaborate on the backstop facility declared in the Monetary Policy


200304.

Ans:

a. Back stop interest rate will be at the reverse repo cut off rate at which
fundswereinjectedearlier.
b.Wherenoreverserepobidisacceptedasperrepoauction,thebackstop
interestwillbe2%pointsoverrepcutoffrateofPredayunderLAF.
c. On days when no bids for repo or reverse repo auctions are
received/acceptedthebackstopinterestratewillbedeciddbyRBIonan
adhocbasis.

35.WhatisthepurposeoftheInformationTechnologyBill2000

Ans:
a.TheBillprovidethelegalframeworknecessaryforelectroniccommerce.
b.FacilitateelectronicfilingofdocumentswithGovernmentagenciesand
c. AmendtheIndianPenalCode,TheEvidenceAct,TheBanker'sBookof
EvidenceActandTheReserveBankofIndiaAct.

36.WhatallareasarecoveredbyInformationTechnologyBill2000

a.Recognises,AuthenticationofElectronicrecordsbytheuseofAsymmetric
Cryptosystemandhashfunctions.

b. It allows for information to be submitted to Government Department in


electronicform.

c. The Act recognises an electronic record which has been signed with a
digitalsignature.

d. It lays down the broad authority structure for implementing Public Key
Infrastructure.

37.WhatisRBS?

Ans:

a. Risk based Supervision, which is developed as per Basle Committee


RecommendationstostrengthentheBankingSystem.

b.WhatarethethreePillarsofBasleIIAccord.

PillarICapitalAdequacyRequirements
PillarIISupervisoryReview
PillarIIIMarketDiscipline

38.WhatisthequantumofEconomicCapitalthatisstipulatedbyRBI.

Ans:12%oftheRegulatoryCapital

39. Under Standadised approach what is the risk weight that is to be


allowedforvariousAsset

Ans:

a.SovereignAsset0%to150%
b.Banks20%to150%
c.Others(Corporates)20%to150%

dependingontheratingoftheAsset

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40. Under Internal Rating Based approach of rating the risk of various
Assets,whatarethetypesofcreditriskconsidered.

a.Corporates
b.Banks
c.Sovereign
d.Retail
e.ProjectFinance
f.Equity

41.WhatistheFiscalDeficit

FiscalDeficit=RevenueDeficit+CapitalExpenditure
DisinvestmentreceiptsandloanRecoveries

42.WhatismeantbyPrimaryFiscalDeficit

Ans:GrossFiscalDeficitInterestPayment

43.WhatdoyouknowaboutCDR.

CDRisalsoknownasCorporateDebtRestructuring

1.Itisanonstatutoryvoluntarymechanism
2.ItissetupbyBankandFinancialInstitutionalunderadvicetoRBI

3.Itistoprovidetimelysupporttoviableentitiesfacingfinancialproblems

4.Thereislegalbindinginthisthroughdebtorcreditoraggrements.

44.WhatarethecategoriesofaccountscoveredunderCDR.

Ans:

a. Accounts covered are those under Multiple Banking


/Syndication/Consortium.

c. Accounts with outstandings of Rs.10 Crores and above to Banks and


FinancialInstitutions.

d.Theoutstandingexposuremaybefundbasedandnonfundbased

e.ProvidesRestructuringtoStandardandSubstandardcategoryandalsofor
DoubtfulcategoryaccountsincludingsuitfiledandBIFRaccounts

f.Wilfuldefaultersnotcovered

g.Atleast75%ofthelendersbyvalueshouldagreeforCDRpackage

45.WhatarethestructuralTiersofCDR

a.CDRStandingForum

ThisconsistofCMDofIDBI,ChairmanofSBI,ICICIBankIBAandCMD'sofall
participatingBanks/FinancialInstitutions

46.WhatarethemostimportantcategoriesofrisksforBankers

Ans:

1.CreditRisk
2.MarketRisk
3.OperationalRisk

47.WhataretheimportantfactorsofCreditRisk

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Ans:

CreditRiskisacombinationofPortfolioRisk+TransactionRisk

48.WhatisMigrationRisk(aformofCreditRisk)

Ans:

TheRiskassociatedwithMigrationofanAssetfromStandardtoSubstandard.

49.WhatarethetoolsavailableforMitigatingCreditRisk

Ans:

a.PrudentialExposureNormsviz.,SingleBorrowerexposure@15%etc.,
b.DelegationofPower
c.MultilayerSanction
d.PortfolioSelection
e.SectorAllocationofCredit

50.WhatarethemajormarketRiskforabanker

Ans:

a.LiquidityRisk
b.InterestRateRisk
c.ExchangeRateRisk

51.WhatarethehedgingtoolsthatareavailableforhedgingInterestRate
Risk

Ans:

a.ForwardRateAgreement
b.InterestRateSwap

52. What are the hedging tools that are available for hedging exchange
rate

Ans:

a.Swaps
b.Option
c.ForwardRateContract
d.Futures

53.WhatisthePeriodicityofInspectionof"A"ratedBranch

Ans:

a.18monthsdurationisallowed.ForBRatedorCRatedBranchesitwillbe
12months.

54. WhatisthePrudentialexposurelimitforasingleborrowerandgroup
borrower.

Ans:

a.SingleBorrower15%
b.GroupBorrower40%
c.SingleBorrowerInfrastructure20%

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d.GroupInfrastructure50%

oftheTierIandTierIICapitaloftheBank.

55.WhatisthecutofflimitforconductingStockAudit

Ans:
a)ForNPAaccountswithoutstandingofRs5croresandaboveonceinayear
inDec.
b)Fornewborrowalaccountsoffundsbasedworkingcapitalfor5croresto10
croresonceinayearinDec.
c)Fornewborrowalaccountswithworkingcapitalfacilitiesofrs10croresand
abovetwotimesayearinJuneandDecember.
d)ForexistingborrowalaccountsenjoingfacilitiesofRs5croresandabovefor
aperiodexeedingTwoyearsonceinayearinDec

56.WhatisthecreditlimitforSSIunitswhichnocollateralsecurityshould
beinsisted

Ans:

ForfacilitiesunderSSIuptoRs.5lacsnoSecuritytobeinsisted.

ForadvancesforSSIuptoRs.25lacs.Weneednotinsistedprovidedtheparty
hasgotagoodtrackrecord.

AdvancetoMSEsectoruptoRs1.00CrorecoveredunderCGTMSE

Listoutfewcreditderivatives

Ans:

a.CreditDefaultSwap
b.CreditDefaultLinkedNotes
c.CreditForwardContract
d.CreditDefaultOption

57.WhatdoyouknowbyCorporateGovernance

Ans:

Thesearemeantfor

a. Ensuringcompliancewithregulatoryrequirementandalsoforbecoming
responsivetotheexpectationofstakeholders.
b.Transparencyofthesystem
c.Auditandcontroloftransactionintheorganisation

58.IntohowmanyLiquiditybucketsAssetsandLiabilityareclassified

Ans:Into8liquiditybucketswithadditionalgroupingofthefirstbucketinto1
daybucket,27daysbucketand814daysbucket.

59.Intowhichliquiditybucketthedoubtfulassetsaregrouped

Ans:

Inthegreater5yearAssetBucket

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