Possible Question of Bank Management
Set-1
Introduction:
1. Define Bank, Banking & Bank Management
2. Distinction between Bnak and Banking
3. What factors or qualities to be considered of testing the efficiency of an ideal Bank?
4. What do the Banks do?
5. What are the socio economic objectives of a Bank?
6. Discuss the types of Bank
7. What are the roles of Bank in the economic development of a country?
8. Discuss the Banking evaluation/origin/ history
Set-2
Bank Directors
1. Define Bank management and describe the Bank management process
2. What is mean by Banks directors?
3. What are the ways by which Bank board of directors are elected(page-29-2/3 marks)
4. Showing the organizational structure of a commercial Bank (page-30)
5. Qualification and election of board of directors (3:2.2)
6. Powers of the directors(3.2:4)
7. What are the personal attribute and successful Bank directors
8. What are the major functions of Bank directors
9. How does a Bank director can retire(page 37)
10. Relationship between board of directors and Bank management
11. Chief Executive and advisors
12. Under which section
Set-3
Deposits:
1. What do you mean by deposits?
2. Objectives of deposit?
3. What factors that influence the level of deposits of a Bank/(page-71)
4. Types of deposits/ Bank deposits
5. ‘Deposit processing
6. Factors determining the level of deposits
7. Special deposits scheme
Set-4
E-Banking
1. Definition of E- Banking
2. Objectives of E- Banking
3. Basic Components of E-Banking
4. Types of E- Banking
5. Components of ATM
6. Definition of debit card and credit card
7. Problem s of introducing E-Banking
8. Suggestion for Introducing E-Banking
9. How to use ATM
Set-5
Islamic Banking
1. Define Islamic Banking
2. What are the features or characteristics of Islamic Banking fund
3. Difference between convenient/ traditional Bank and Islamic Banking
4. Objectives of Islamic Banking
5. What are the uses of Islamic Banking fund
Institutions:
· ADB
· IDB
· IFC
· WB
· GB
· HBFC
Set-6
Central Bank in Bangladesh
1. Define Cenral bank
2. What are the roel of central bank
Continue..................
Answers :
Set-1
Q.1. Definition of Bank, Banking, banker, Bank Management
Bank:
Bank is a business organization. Some widely accepted definition of Bank can be mentioned as follows:
According to prof, Crowther, “A Bank is firm or institution doing a bonafide banking business
According to prof. Cairncross, “A bank is a financial intermediary, a dealer in loans and debts
According to prof. Chambers, “A Bank is an office or institution for the keeping, lending and exchanging etc. of money.
At last we can say that “Bank is the heart of complex financial structure.
Banking:
Banking is the activities of Bankers who perform these activities for salaries.
According to oxford dictionary, Banking is the business of a Banker, the keeping or management of a Bank.
Finally we can say that, Banking is all the activities such as collecting deposit, paying loan, paying cheque, discounting bill, issuing note, transforming money, creating medium of exchange, investing fund is called banking.
Banker:
Banker is a person who performs the business activities. The person, persons or organization who performs banking business is called banker.
According to Prof. crowther – A banker is a dealer in debts his own and of other people.
Finally we can say that, the persons who receives money as deposit and pay the money by ordering of client is called Banker.
Bank Management:
Bank Management is the process which banking resources are properly utilized for achieving the banking objectives
Bank management is the process of planning; organizing, staffing, coordinating, motivating and controlling the all of the rsources to proper utilize the banking business to achieve the organizational goals.
Q.2. Differentiate between Bank and Banking
| Distinction points | Bank | Banking |
| Definition | Bank is a financial institution which earn profit through keeping, lending and exchanging money | Overall activities of the Bank is called Banking |
| Nature | Bank is an institution which provides services relating to money. | Banking is the activities related to operate a Bank business |
| Legal entity | Bank has a legal entity | Banking is an overall activities of a Bank |
| Operation Conducting | Bank is established and conducted accounting to Bank law of a country | Banking Is conducted accounting to Bank company ordinance and individual Banks rules. |
| Origin | Owner Or Entrepreneur are the founde3r of Bank | Banker is the founder of Banking |
| Liability | The owners bear the liability success of failure of a Bank | The managers or employee of a Bank bear the liability of success of failure or the Banking activities to the Banker |
| Success | Success of a Bank depends an efficient Banking | Success of the Banking depends an efficient Banker |
Q.3. What are the Factors / Qualities to be considered of testing efficiency of an ideal Bank?
There are mainly five factors to be considered of testing efficiency of an ideal Bank namely
I. Organization related factors
§ Origin of the Bank
§ Location of the Bank
§ Age of the Bank
§ Types of the Bank
§ Legal entity of The Bank
§ Nationality of Bank
II. Employee related factors
§ Manner of employees
§ Maintenance o secrecy
§ Efficient management
§ Punctuality
III. Performance activities related factors
§ Technology used
§ Providing correct and latest information
IV. Customer service related factors
§ Security
§ Advise and counseling
§ Service in favor of customer
V. Other factors
§ Total deposit
§ Total investment
§ Foreign exchange
§ Goodwill
§ Liquidity
Q.4. What do the Banks do?
Functions or activities of Banks can be pointed as follows –
© Collection of deposit
© Creation of medium of exchange
© Control of credit
© Payment of money
© Payment of loan
© Profitable investment
© Issuing note
© Maintenance of valuable assets
© Maintenance of funds of government and other institutions
© Transfer of money
© Transaction of foreign currency
© Formation of capital
© Discounting
© Assistance to government
© Assistance to business
© Other functions
Q.5 What are the socio economic objectives of a Bank?
1. Capital formation
2. Industrialization
3. Creation of employment
4. Providing safety and saving money
5. Help to central government for economy
6. Agricultural development
7. Economic development
8. Development of intenal relation
9. Improving standard of living
10. Social responsibility
Q.6. Discuss the types of Bank
On the different point of view Bank can be various categorize. now we can mention types of Bank on the basis of various points.
1. on the basis of ownership
a. State owned Bank
b. Private Bank
c. Govt. & priavtate joint ownership
d. Autonomous Bank
2. On the Basis of Function
a. Central Bank
b. commercial Bank
c. Co-operative Bank
d. Agricultural Bank
e. Industrial Bank
f. Exchange Bank
g. Investment Bank
h. Merchant Bank
i. Saving Bank
j. Consumer Bank
k. Transportation Bank
l. Mortgage Bank
m. Mixed Bank
n. Grameen Bank
o. Indigenous Bank
p. Regional Bank
q. International Bank
3. On the Basis of Organizational structure
a. Unit Bank
b. Branch Bank
c. Chain Bank
d. Group Bank
e. Mixed Bank
4. On the basis of Scheduling
a. scheduled Bank
b. Non scheduled Bank
Q.7. what is the roles of Bank in the economic development of a country?
In the modern world Bank and economy are combined by a frame. Bank ensures it safety exchange of money. Without the Banking activities it is not possible to run business and economic activities of a country. So it can be said that “the Bank is the life blood of the modern economic development. The following points can be mentioned to determine the importance of Bank in the economic development of a country.
a. Creation of medium of exchange: In every country the central Bank is responsible for creation of currency. The Banking organization helps as a medium of exchange by issuing cheque, pay order, Bank draft etc. It is also helps by creating the monetary system with more easy & reliable
b. Collection of saving and formation of capital: Bank collection the idle money from the people and different organizational which helps to formation of capital. It provides interest to the formation of capital. It provides interest to the investors and tries to increases savings.
c. Supply of capital and increase of investment: After collecting the saving amount from the people it lends the amount to different profitable organization which helps to run the new business. As a result supply of capital remains steady.
d. Help in home trades: The Bank provide capital and safety and easy exchange of monetary policy for the general public within the country. It helps in internal business by provide different services. In a word “No business can run without Banking”.
e. Helps in foreign trades: Now days the activities of foreign trade are depend fully on the Banking system. So it is said that Bank is the main media of foreign trade.
f. Industrial development: The Bank help or acts as caretaker by providing loans and different services to the industrial sectors.
g. Agricultural development: The Banking sector helps the agricultural development by providing loans the farmers.
h. Implementation of economic policy of the government:
i. Credit control: With the help of other Banks the central Bank helps to control on credit. For that why economic activities of a country run smoothly.
j. Increases of gross production: Bank help to formation of new industries with the development of agricultural sector which increase of gross production of a country.
k. Employment: For running the activities of the, it requires a number of workers. So Bank helps the economic development of a country by creating employment.
l. Increases of government revenue: Bank helps to collect tax from general public and also give tax to the government which increases the revenue of government.
m. Handling of foreign exchange.
n. Developing living status
o. Creation of credit of deposit
Q.8. Discuss the Banking evaluation/origin/ history
It is very difficult to identify the exact time of the introducing of Bank but it can be said that “Banking system has created after the introduction of money. The origin and historical evolution of Bank may be pointed at as follows-
a. Introduction of money and Bank: Monetary system is developed to overcome the limitations of the transaction system of goods. For this reason it is said that “Money is the mother of Bank”.
b. Introduction of money lending business and Bank: After introducing monetary system, money lending was largely a matter of provide loan being advanced to people short of cash, the money lender change profit or interest on the loan. In this way Bank is introduced in the society in different times.
c. Evaluation of civilization, business, Banking and economic activities were developed equally through the same time at same ratio. It can be cleat from the following points.
d. About 500BC among the Mesopotamians interest was legend and often fixed by the state
e. Babe lion period in the 2000 BC the Banking activity have been group up at the temples.
f. Churches attitude, roman period and Chinese civilization also gave the example of Bank in the past time.
g. Development of business and Bank: There is a close relation among the development of Bank, business and economic development
h. Bank through different ages:
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