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THE INSTITUTf, OF BANKERS, BANGLADESH (TBB)

93rd Banking Diploma Examination,' 2022
JAIBB
Laws and Practice of Banking (LPB)
Time-3 hours
Full marks-l00
Pass marks--50

[N.8. Thefigures in the right margin indicatefull marks. Answer anyJive of which two questions must be
from Group 'B'.J
Group A
Marks

c/
Write short notes on any five of the following : 4x5:20
(a) " Assetliability Management Committee (ALCO)
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@)' Relationship Banking

(a) , Green Banking
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(d) Pari Passu and 2nd Charge

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(e) Re-scheduling Real Time Gross Settlement (RTGS)

(f, Double Crossing Cheque
(gJ ,Invoice
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(h) Accommodation Bill.

. (a) Describe the role of Central Bank as- 5+5:10

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{, Bank to the Government

{fidBanker to the Bank.
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(b) What is selective credit control? Discuss the objectives of credit control. 10

3. (rl On what occasions payment of cheques may be refused by a banker although the cheques 12
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are otherwise in order?

(b) What is the legal position of banker if he pays a cheque after business hours? 8
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4. (a) Write name of all documents that you need to allow Locker facilities to a person. Write 12

procedure.
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(b) Mr. Hasan is maintaining a Current Account with your branch in his name. His wife 8

comes and informs you that her husband Mr. Hasan in down with paralysis and cannot
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sign. She wants to dralv Tk. 30,000.00 immediately for her husband's treatment. As
branch manager how would you deal with the situation?
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5. (a) What is your idea about a collateral free lending? Is it applicable to all kinds of loans and 15

advances? Ifnot, please suggest the areas this principle should apply.
Mr. Kamal has been sanctioned an overdraft limit of Tk. 50,000'00 with your bank and the
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(b) 5

account shows a debit balance of Tk. 45,000'00 as on 1st January ?021. An the same day a
cheque for Tk. 7,500.00 drawn on the account is presented for cash payment by a third
parfy Mr. Karim, will you pay the cheque and why? If not, rvhat would be your remarks
for returning the cheque unpaid?
Please give the appropriate answers to each of the following 20
t,f
:

(i) Which court is entitled to deal the trial of a case under the Artha Rin Adalat Ain, 2003?
(a) The Court of Judicial Magistrate (b) The Court of Session Judge
k) The Court of District Judge @f The Court of Joint Session Judge
(it In which court an appeal should be filed against the Judgement of the Session Court?
(a) The Court of Joint Session Judge (b) The Court of Additional Session Judge
High Court Division (d) The Court of Judicial Magistrate
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[Please turn over
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Joint Session Court?
(iii) lnwhich court an appeat should be filed against the Judgernent of the
(a) The court of Session Judge (b) The court of Additional Session Judge
p) High courl Division @ The court of JudicialMagistrate
to file an appeal under
(iv) What is the amount of money (in percentage term) to be deposited
the Artha Rin Adalat Ain,2003?
(a) 30% ,A so% (c) 7s% (d) 100%
HowmanysectionsarethereintheArthaRinAdalatAin'2003?
to) (a) ss
Ff 60 @ 40 (d) 138
is not a step in the Money Laundering process?
{ili) which of the following
(a) Placement (b) Layering { Spending (d) Integration
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(vii) within how many days a cheque dishonour case under Section 138
of Negotiable
Instrument Act, 1981 be filed after serving legal notice?
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(a) 15 days 6f, n auy, (c) 35 davs (d) 50 davs

Laundering process of
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/vllj) Which of the following terms is used to describe the Money

1' channeling money through multiple financial institutions
to make it difficult to track?

(a) lntegration (b) Placement (c) Camofladge (11)' Layering

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Money Laundering is the process by rvhich the proceeds of criminal

activity are
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channeled into legitimate mainstream of financial channel by
hidding the source'
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6 rru" { Y*r"
each
A customer of your branch suddenly approaolres you four days in a row requesting
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{,(x) a suspicious
time transfer of Tk. 8,00,000'00. You do not need to report this as
transaction'
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(a) True (blFabe

7.(a)Whoiswalkincustomer?Writetheresponsibilitiesol I a banker in creali,g
rvitrr a wark in 10
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customer.
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(b)
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What do you mean bY UCIC?

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(c) Write about CDD and EDD.
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What is meant bY BankrtrPtcY?
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When a suit can be filed in the Bankruptcy Cour1" 5

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What are the rights and privileges that a Ba*krupt is deprived ofl 5
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5
(al Discuss the procedure of discharge of the Bankrupt'

What is Mortgage, what are the rvays for creation of charge? Why and
what charge doouments 20
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are obtained bY the banker.
10
l( f rl Discuss the pillar of Basel-ll'
/' p^.-l III f'ticarrcc ttal. 10
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made :- chn going concern capr
(b) compa.re the changes in Basel-III. Discuss about

l. (a) What is letter of credit? Discuss different types of letter of credit'

10
1
letter of credit 10
(b) A customer of your branch approaches you to open a confirmed irrevocable
covering import of machineries from Japan. what factors would
you take into
consideration for opening the credit? what are the
particulars which have to
communicated to your agent in Japan?
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