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प्रश्न
Explain the following concepts or give definitions.
Savings deposits
उत्तर
A Saving Account caters to the needs of those individuals who wish to save a part of their income and earn interest on the amount saved. Such deposits are payable on demand i.e. such deposits can be withdrawn by the depositor as and when required. However, the banks impose a limit on the withdrawal amount from the saving account. Also these deposits are chequeable deposits i.e. cheques can be issued against such deposits.
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संबंधित प्रश्न
Explain different types of loans and advances provided by commercial banks.
Explain the components of Legal reserve Ratio.
Explain the process of credit creation by commercial banks.
A bank is an institution which deals in money and _____________
(commodity money/credit/barter/standard money)
Explain the agency function of commercial banks.
Explain, with reason, whether you Agree or Disagree with the following statement.
Commercial banks provide many general utility services.
How do commercial banks create deposits? Explain.
Fill in the blank using proper alternatives given in the bracket:
............................... is a primary function of commercial bank.
Answer the following question :
What are the different types of loans provided by commercial banks ?
State whether the following statement is true or false.
The Cash Reserve Ratio does not affect the lending capacity of the commercial banks.
Give reason or explain the following statement:
Rate of interest on fixed deposit is high.
Write short Answer for the following question:
Explain various types of Bank Deposits ?
Define or Explain the concept
Current deposit
Distinguish between:
Central Bank and Commercial Bank
Fill in the blank with appropriate alternatives given below
Deposits from __________ account can be withdrawn without any notice.
Match the following:
| Group A | Group B |
| 1. D-mat account | a. Current account |
| 2. Over draft facility | b. Agency function |
| 3. ATM facility | c. Share brokers |
| 4. Commercial bank | d. General function |
| 5. Credit creation | e. Recurring account |
| f. Profit making | |
| g. Central bank | |
| h. Commercial bank |
State whether the following statement is True or False.
The saving bank deposit can be opened with a small amount.
State whether the following statement is True or False.
There is no difference between primary deposit and secondary deposit of a commercial bank.
Define explain the following concept.
Fixed deposits
Define explain the following concept.
Safe deposit vault
Define explain the following concept.
Discounting of bills
Distinguish between:
Call loans and long term loans
Distinguish between:
Cash credit and overdraft facility
Write short note on:
E-banking facility
Write short note on:
Long term loans
State whether the following statement is True or False :
Loans given by banks for a period of less than five years is known as long - term loan.
State with reason whether you 'agree' or 'disagree' with the following statement.
Credit creation of commercial banks is based on primary deposits.
A Commercial Bank is an institution that provides services ______.
The Functions of commercial banks are broadly classified into ______.
Credit creation means.
What is credit creation?
State any two components of ‘Net Factor Income from Abroad’.
The process of money creation or credit creation is done by ______
Which of the following points states that the open market operation helps in controlling credit creation?
What is the effect of a rise in the rate of SLR on the creation of credit?
______ is the total liability of the monetary authority of the country.
Which of the following are the other functions of a commercial bank?
M3 and M4 are known as ______ money.
M4 = ______ + Total deposits with the Post Office Saving Organization (excluding National Saving Certificate).
If reserve ratio is 10% and primary deposit is ₹1,250 crores, the total deposit created by commercial banks will be ______
The word 'net' implies that ______ is to be included in the money supply.
Consider the following statements:
- M1 is a broad concept of money.
- M2 is a narrow concept of money.
- M3 includes both M1 and lime deposit of public with the bank.
Which of the following is true with respect to the concept of supply of money?
Saving deposit in the Post office is a part of ______
Read the following hypothetical case study carefully and answer the questions follow on the basis of the same.
Agricultural Developmental Bank of Pakistan uses the production function approach for measuring bank outputs and costs. A translog cost function is estimated to provide an assessment of the bank's scale and scope efficiency, and to quantify the extent to which its production costs are sensitive to the size and output mix. Results show that the bank enjoys both overall and product-specific economies of scale and, therefore, there exists scope for the bank to expand its operations at a declining average cost. Even though bank branches in all size categories enjoy economies of scale, the extent of such economies is larger for branches operating at a smaller scale of production. This implies that as the bank branches grow larger in size in terms of both loan and deposit accounts, they move closer to attaining increasing returns to a factor. It is also shown that the marginal costs of servicing both loan and deposit accounts decline as bank branches grow larger in size in terms of either the number of loans or the number of deposits. This confirms that branches operating at a larger scale of production have attained greater cost-efficiency in terms of servicing the loan and deposit accounts.
The increasing returns to scale in larger branches is due to ______
Commercial Bank was facing a financial crisis due to the crisis of non-performing assets. It went to the RBI for help. What role will RBI play in such a case?
Ms. lqra Ansari, a teacher, was explaining in her class about various types of deposits with the commercial banks. She quoted that - "These deposits form a part of M1 measure of money supply and are payable on demand by the commercial banks."
Identify the type of deposits she was explaining about and choose the correct alternative:
- Demand Deposits
- Time Deposits
- Post Office Deposits
Explain the functions of commercial bank.
