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प्रश्न
State with reason whether you agree or disagree with the following statement.
Commercial banks perform many general utility services.
उत्तर
Yes, I agree with the given statement. Apart from providing primary services and agency services to their customers, banks also provide some general utility services. For providing such services, banks charge some commission.
These utility services include:
i. Commercial banks provide safe deposit vault/ locker facility to its customers to keep their valuables.
ii. Remittance of funds through mail transfer,demand draft, mail transfers, etc.
iii. The facility of letters of credit by commercial banks enables the traders to purchase goods on credit.
iiii. Commercial banks provide reference/ status report with respect to financial standing, frequency of payment.
v. Underwriting facility for shares and debentures is another function performed by commercial banks.
APPEARS IN
संबंधित प्रश्न
Providing safe deposit vault facility is the only general function of commercial banks.
Explain the components of Legal reserve Ratio.
The ratio of total deposits that a commercial bank has to keep with Reserve Bank of India is
called:( choose the correct alternative)
(a) Statutory liquidity ratio
(b) Deposit ratio
(c) Cash reserve ratio
(d) Legal reserve ratio
A bank is an institution which deals in money and _____________
(commodity money/credit/barter/standard money)
State whether the following statement is true or false :
Credit control is the function of commercial banks.
State whether the following statement is true or false:
Central bank also performs commercial banking business.
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 ?
Write short note on :
Credit Creation.
Fill in the blank using proper alternatives given in the bracket:
.................consumption cannot be zero.
Fill in the blank using proper alternatives given in the bracket:
The primary function of commercial banks is to ...................
Explain the following concepts or give definitions.
Savings deposits
Define or Explain the concept
Current deposit
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
Fill in the blank with appropriate alternatives given below
Deposits from __________ account can be withdrawn without any notice.
Fill in the blank with appropriate alternatives given below
__________ is a primary function of commercial banks.
Fill in the blank with appropriate alternatives given below
Facility of E-banking is provided through __________
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.
Credit money is created by the central bank of a country.
State whether the following statement is True or False.
There is no difference between primary deposit and secondary deposit of a commercial bank.
Give reason or explain the following statement:
Rate of interest on fixed deposit is high.
Distinguish between:
Cash credit and overdraft facility
Write short note on:
D-mat account
Answer the following question:
Explain various types of deposits.
State with reason whether you agree or disagree with the following statement.
A commercial bank create credit on the basis of primary deposit.
Answer in detail:
What are the secondary functions of commercial banks?
Answer the following question.
Explain the money creation function of commercial banks.
The Functions of commercial banks are broadly classified into ______.
Define Commercial banks.
State any two components of ‘Net Factor Income from Abroad’.
Which of the following points indicates that RBI is controlling the commercial banks?
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?
Which of the following are the functions of a commercial bank?
Which of the following are the other functions of a commercial bank?
What role of RBI is known as 'lender of last resort'?
M3 and M4 are known as ______ money.
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?
In the present COVID-19 situation, many economists have raised their concerns that the Indian economy may have to face a deflationary situation due to reduced economic activities in the country. Suppose you are a member of the high-powered committee constituted by the Reserve Bank of India (RBl). You have suggested that as the supervisor of commercial banks, ______ (restriction/release) of the money supply be ensured by the Reserve Bank of India (RBI).
Saving deposit in the Post office is a part of ______
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?
_________ is an institution that accept deposits for lending purposes.
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
