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    1. The document appears to be an examination booklet for the subject of Branch Banking. It contains instructions for candidates and 8 questions related to branch banking operations and regulations. 2. It requests details of the candidate such as name, father's name, CNIC number, and contact information. The candidate is instructed to follow examination guidelines and not write anywhere other than the answer space provided. 3. The questions cover topics like Customer Due Diligence regulations, functions of branchless banking agents, procedures for cancelling payment instruments, differences between conventional and Islamic banking, significance of audits, implications of alternate delivery channels, and characteristics of negotiable instruments.

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    1. The document appears to be an examination booklet for the subject of Branch Banking. It contains instructions for candidates and 8 questions related to branch banking operations and regulations. 2. It requests details of the candidate such as name, father's name, CNIC number, and contact information. The candidate is instructed to follow examination guidelines and not write anywhere other than the answer space provided. 3. The questions cover topics like Customer Due Diligence regulations, functions of branchless banking agents, procedures for cancelling payment instruments, differences between conventional and Islamic banking, significance of audits, implications of alternate delivery channels, and characteristics of negotiable instruments.

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    1. The document appears to be an examination booklet for the subject of Branch Banking. It contains instructions for candidates and 8 questions related to branch banking operations and regulations. 2. It requests details of the candidate such as name, father's name, CNIC number, and contact information. The candidate is instructed to follow examination guidelines and not write anywhere other than the answer space provided. 3. The questions cover topics like Customer Due Diligence regulations, functions of branchless banking agents, procedures for cancelling payment instruments, differences between conventional and Islamic banking, significance of audits, implications of alternate delivery channels, and characteristics of negotiable instruments.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    53 views18 pages

    BB Sub PDF

    Uploaded by

    Sarim Shahid
    1. The document appears to be an examination booklet for the subject of Branch Banking. It contains instructions for candidates and 8 questions related to branch banking operations and regulations. 2. It requests details of the candidate such as name, father's name, CNIC number, and contact information. The candidate is instructed to follow examination guidelines and not write anywhere other than the answer space provided. 3. The questions cover topics like Customer Due Diligence regulations, functions of branchless banking agents, procedures for cancelling payment instruments, differences between conventional and Islamic banking, significance of audits, implications of alternate delivery channels, and characteristics of negotiable instruments.

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    of 18

    Subjective Booklet

    Winter 2017

    CANDIDATE DETAILS
    Access Number Roll Number For Official Use Only Serial Number

    Subject

    BRANCH BANKING

    Candidate’s Name

    Father’s Name

    CNIC Number

    Cell Number E-mail

    I verify that my particulars given above are correct and I declare that I have read the INSTRUCTIONS printed
    in the examination booklet, and/or given in the ISQ Examination Guidelines, violation of which would mean
    cancellation of my paper and debarment from appearing in future examinations.

    Candidate’s Signature Invigilator’s Signature

    Winter-2017–G-13 Page 1 of 18
    THIS PAGE IS INTENTIONALLY LEFT BLANK

    Winter-2017–G-13 Page 2 of 18
    The Institute of Bankers Pakistan

    ISQ Examination
    Winter - 2017
    Stage - I
    Branch Banking
    SEAL
    BOOK
    HERE

    Section 2
    Constructed and Extended
    Response Questions

    Number of Questions: 8
    Marks: 55

    Allotted time : 120 minutes

    Winter-2017–G-13 Page 3 of 18
    INSTRUCTIONS FOR THE CANDIDATES
    1. The candidate must abide by the ISQ Examination Guidelines sent along with the admit
    card.
    2. The candidate must sign the booklet after verifying the particulars and should NOT write
    his/her name or roll number on any other page of the examination booklet.
    3. The candidate is advised NOT to approach the invigilators for seeking any explanation
    related to the questions in the examination paper.
    4. Laptops, mobile phones or any other gadgets are NOT permitted in the examination hall.
    ONLY simple calculators are allowed except where indicated in the ISQ Examination
    Guidelines. If any candidate is found in possession of any restricted gadgets or items,
    his/her examination paper will be cancelled immediately.
    5. The candidate must ensure that the examination booklet has all the pages duly numbered.
    If any page is missing, damaged or not numbered, then return the booklet to the
    superintendent / invigilator and obtain another booklet.
    6. Write your answer ONLY in the given space for each question. Anything written outside the
    given space will not be considered for marking.
    7. ONLY blue or black ball points are to be used.
    8. The candidate must attempt ALL questions in the paper.

    For Official Use Only


    Marks Total
    Obtained Q.1 Q.2 Q.3 Q.4 Q.5 Q.6 Q.7 Q.8 Marks
    Total in words

    Marker - I

    Q.C

    Scrutiny

    Re-Scrutiny

    Marker– II

    Signatures:

    ____________ _____________ _____________ _____________ __________


    1. Marker - I 2. QC 3. Scrutinizer 4. Re-Scrutinizer 5. Marker - II

    Winter-2017–G-13 Page 4 of 18
    Outline and discuss State Bank of Pakistan’s regulations related to “Customers Due
    Diligence” (CDD). (5 Marks)

    Winter-2017–G-13 Page 5 of 18
    Define the term “Branchless Banking Agent”. Explain four functions that can be
    performed by the agent. (5 Marks)

    Winter-2017–G-13 Page 6 of 18
    You have been working as a General Banking officer in XYZ bank, one of your account
    holders Mr. X approaches you and informs that two months ago, he had a pay order
    issued by your branch in favor of ABC University Pakistan, for the purpose of admission
    fees of his son, but his son accepted admission from another university. He requests for
    the pay order to be cancelled.
    A. State all the requirements that you would advise the customer to complete and the steps you
    would take for cancellation of the instrument. (4 Marks)

    Winter-2017–G-13 Page 7 of 18
    B. Subsequently, Mr. X requests you to pay him cash against the cancelled instrument, what
    would you advise him in this regard? Give reasons to support your answer. (3 Marks)

    C. Suppose that this pay order was issued to a Walk-in Customer against cash and now he is
    requesting you to cancel the pay order and pay cash against the instrument, as he does not
    have an account in your bank. What would you suggest in this situation? Give reasons to
    support your answer. (3 Marks)

    Winter-2017–G-13 Page 8 of 18
    A. Highlight major differences between Conventional and Islamic banking. (5 Marks)

    Winter-2017–G-13 Page 9 of 18
    B. Discuss various Islamic Banking products. (5 Marks)

    Winter-2017–G-13 Page 10 of 18
    Explain the significance of External and Internal Audit of a branch. (5 Marks)

    Winter-2017–G-13 Page 11 of 18
    Explain the following in the light of branch banking. (5 Marks)
    A. Role of Banking Mohtasib
    B. ATM Downtime

    Winter-2017–G-13 Page 12 of 18
    What are the implications of Alternate Delivery Channels (ADCs) such as ATM, Phone
    Banking, E-Banking and Mobile Banking, on the nature and functions of a bank’s
    branch? In such ADCs, what could be the possible risks to the bank and mitigations
    thereof? (10 Marks)

    Winter-2017–G-13 Page 13 of 18
    Winter-2017–G-13 Page 14 of 18
    A. List the characteristics of Negotiable Instruments. (2 Marks)

    Winter-2017–G-13 Page 15 of 18
    B. Differentiate between cheque and bill of exchange. (3 Marks)

    X ───── END OF SECTION ───── X

    Winter-2017–G-13 Page 16 of 18
    THIS PAGE IS INTENTIONALLY LEFT BLANK

    Winter-2017–G-13 Page 17 of 18
    THIS PAGE IS INTENTIONALLY LEFT BLANK

    Winter-2017–G-13 Page 18 of 18

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