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प्रश्न
Define explain the following concept.
Fixed deposits
उत्तर
Fixed deposits: Fixed account deposits (also known as time deposits) refer to those deposits that are held for a fixed (specific) period of time (called maturity period). These deposits cannot be withdrawn before the maturity period. Hence, these are not payable on demand. Also, these deposits are non-cheque able deposits. However, due to the longer lock-in period
involved in the fixed account deposits, these deposits involve a higher rate of interest than that earned on the savings account deposits.
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संबंधित प्रश्न
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, with reason, whether you Agree or Disagree with the following statement.
Commercial banks provide many general utility services.
Distinguish between the following :
Quantitative and Qualitative measures of credit control.
Answer the following question :
What are the different types of loans provided by commercial banks ?
State with reason. Whether you ‘agree’ or ‘disagree’ with the following statement:
Commercial bank can credit on the basis of primary deposit.
Give reason or explain the following statement:
Rate of interest on fixed deposit is high.
Explain with reason, whether you agree or disagree with the following statement:
Commercial banks perform agency functions to earn profit.
Write short Answer for the following question:
Explain various types of Bank Deposits ?
Fill in the blank with appropriate alternatives given in the bracket :
Commercial banks create __________.
State whether the following statements are TRUE or FALSE:
Commercial banks play an important role in economic development.
Give reasons or explain the following statement:
Every loan creates a deposit.
State whether the following statements are True or False with reasons :
The interest is more on savings deposits.
State whether the following statements are True or False with reason:
Interest rate is more for fixed deposits.
Answer with reasons whether you agree or disagree with the following statement:
The commercial banks perform many useful works for the people.
Distinguish between:
Central Bank and Commercial Bank
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.
Commercial banks are the backbone of modern economy.
Define explain the following concept.
Safe deposit vault
Give reason or explain the following statement:
Commercial banks provide agency functions to earn profits.
Distinguish between:
Call loans and long term loans
Write short note on:
Long term loans
Answer the following question:
Explain various types of deposits.
Answer in detail:
Explain the process of credit creation.
Answer the following question.
Explain the money creation function of commercial banks.
Explain the functions of a commercial bank.
A Commercial Bank is an institution that provides services ______.
The Functions of commercial banks are broadly classified into ______.
Bank credit refers to ______.
What is credit creation?
Explain the role of Commercial Banks in economic development.
State any two components of ‘Net Factor Income from Abroad’.
CRR is ______
Which of the following points indicates that RBI is controlling the commercial banks?
What is the effect of a rise in the rate of SLR on the creation of credit?
What role of RBI is known as 'lender of last resort'?
Which of the following are the agency functions of commercial banks?
Demand deposits include ______
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?
If the total deposits created by commercial banks is 10,000 crores and legal reserve requirements are 10%, the number of initial deposits will be ______
In the case of Gross Domestic Capital Formation, which one will be the part of it?
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?
The Narrow concept of money includes ______
It takes Rohan 30 minutes to do an economics assignment and one hour to do a finance assignment. What is the opportunity cost of you doing two economics assignments?
