Banking — Winter 2025

What are the key retail products and services offered by banks, and how do they cater to individual customers?

How has the concept of internet banking evolved in recent years, and what role does it play in retail banking?

Explain- What specific products and services are offered in wholesale banking, and who are the primary clients?

Describe Mechanism of ADR and GDR, and how do they benefit investors & issuing companies?

In what ways do banks serve as trustees, bailees, agents, and lessors in their relationships with clients?

Explain the concept of anti-money laundering, and why is it crucial for the financial system? Describe its importance.

Explain KYC verification for individuals, companies, partnership firms, trusts, and foundation in detail.

Explain the key principles of sound lending, and how do they guide the lending process?

Explain different types of charging securities.

Describe- How does the delivery mechanism of microfinance work, particularly through Self Help Groups (SHGs) in India?

Explain NPA- Also Explain How is the management of NPAs critical for the financial health of banks, and what strategies can be implemented to improve recovery rates?

What are the major provisions of the Insolvency and Bankruptcy Code (IBC) in India, particularly in relation to the management and recovery of NPA?

Explain Electronic Clearing Service (ECS), and what are the differences between credit transfer and debit transfer?

Explain mechanism of Unified Payments Interface (UPI), and how does it facilitate digital transactions in India?

Explain in detail following terms- 1) Participatory Notes 2) Bills Purchasing and Discounting 3) E-Wallets 4) Remittance services in International Banking 5) Net Demand and Time Liabilities (NDTL) 6) Electronic Core Banking Solutions 7) Digital Literacy.1

Explain in detail following terms- 1) Lease Financing 2) Merchant Banking 3) Hypothecation 4) RTGS vs NEFT 5) Cash Credit & Overdraft 6) Personal Loans 7) Consumer Loans.

What is cheque truncation system (CTS). and how does it enhance the efficiency of the cheque clearing process?