Thursday, December 02, 2021
11:04 AM (GMT +5)

Go Back   CSS Forums > Banking & Finance > Institute of Bankers Pakistan > Junior Associateship of IBP (JAIBP) > (JAIBP) Past Papers > 2011

Reply Share Thread: Submit Thread to Facebook Facebook     Submit Thread to Twitter Twitter     Submit Thread to Google+ Google+    
 
LinkBack Thread Tools Search this Thread
  #1  
Old Thursday, May 07, 2015
Last Island's Avatar
Royal Queen of Literature
Medal of Appreciation: Awarded to appreciate member's contribution on forum. (Academic and professional achievements do not make you eligible for this medal) - Issue reason: AppreciationBest Moderator Award: Awarded for censoring all swearing and keeping posts in order. - Issue reason: Best ModGold Medal: Awarded to those members with  maximum number of  reputation points. - Issue reason: For the year 2007, 2008, 2009, 2010, 2011Member of the Year: Awarded to those community members who have made invaluable contributions to the Community in the particular year - Issue reason: 2008Diligent Service Medal: Awarded upon completion of 5 years of dedicated services and contribution to the community. - Issue reason: More than 5 years of dedicated servicesModerator: Ribbon awarded to moderators of the forum - Issue reason:
 
Join Date: May 2005
Location: Forest of Fallen Stars
Posts: 7,585
Thanks: 2,425
Thanked 15,842 Times in 5,005 Posts
Last Island is headed toward stardomLast Island is headed toward stardomLast Island is headed toward stardomLast Island is headed toward stardomLast Island is headed toward stardomLast Island is headed toward stardomLast Island is headed toward stardomLast Island is headed toward stardomLast Island is headed toward stardomLast Island is headed toward stardomLast Island is headed toward stardom
Default [Winter] 2011: Retail and Consumer Banking Operations

THE INSTITUTE OF BANKERS PAKISTAN
ISQ Examination (Winter-2011)
Retail & Consumer Banking Operations – Stage-III


Section-I
Multiple Choice Questions
Number of Questions: 30
Marks: 45
Allotted Time: 60 minutes
Section-II
Constructed Response Questions
Number of Questions: 09
Marks: 55
Allotted Time: 120 minutes

Q.31 Who is a holder? What are the conditions to qualify to become ‘holder in due course’?

Q.32 Consumer loans are not easy to evaluate. It is often easier to conceal pertinent information bearing on the payout of a loan than for most businesses. What features of a consumer loan application will you as a prudent banker examine most carefully?

Q.33 Why do mark-up rates on consumer loans typically average higher than on most other kinds of loans?

Q.34 A crossed cheque bearing endorsement ‘Pay Mr. B on arrival of the ship “M.V.Chenab”, is presented in inward clearing by the collecting bank with the discharge, “1st payee’s endorsement confirmed, 2nd payee’s account credited”. How would you deal with it and what will be your responsibility?

Q.35 After the death of father, who was operating his minor son’s account, minor’s uncle approaches to operate the account as a guardian. What must be your course of action?

Q.36 What is the rationale behind regulating the financial system in a country?

Q.37 What is a ‘trust’? What precautions should be taken in opening and conduct of a trust account?

Q.38 What do you understand by electronic banking? What areas of banking are covered by Information and Communication Technologies?

Q.39 A customer of your branch is in need of a loan of Rs.250,000/= to pay the educational expenses of his son. The loan shall be repaid in 2 years in 24 monthly installments. He is 45 years of age and is permanent /regular employee in a private firm. He draws a take-home salary of Rs.40,500/= per month. He has an outstanding personal loan of Rs. 40,000/= from his employer for which repayment installment is deducted before crediting the salary to his account. Please evaluate this proposal and decide about its fate.

-.-.-.-.-.-
__________________
The Me you have always known, the Me that's a stranger still.
Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are On
Pingbacks are On
Refbacks are On


Similar Threads
Thread Thread Starter Forum Replies Last Post
Required Journalism Notes in Softcopy zaigham shah Journalism & Mass Communication 60 Saturday, October 16, 2021 02:42 PM
[Summer] 2011: Retail and Consumer Banking Operations Last Island 2011 0 Thursday, May 07, 2015 01:20 AM
Overview Of The Economy free thinker Pakistan Affairs 5 Tuesday, February 11, 2014 02:24 PM
Economic Concepts silent roar Economics 1 Saturday, September 14, 2013 04:06 PM


CSS Forum on Facebook Follow CSS Forum on Twitter

Disclaimer: All messages made available as part of this discussion group (including any bulletin boards and chat rooms) and any opinions, advice, statements or other information contained in any messages posted or transmitted by any third party are the responsibility of the author of that message and not of CSSForum.com.pk (unless CSSForum.com.pk is specifically identified as the author of the message). The fact that a particular message is posted on or transmitted using this web site does not mean that CSSForum has endorsed that message in any way or verified the accuracy, completeness or usefulness of any message. We encourage visitors to the forum to report any objectionable message in site feedback. This forum is not monitored 24/7.

Sponsors: ArgusVision   vBulletin, Copyright ©2000 - 2021, Jelsoft Enterprises Ltd.