United Commercial Bank Ltd.

NEB

MCQ on Cash & General Banking: 9. Pay to cash in a cheque:

1. How many cash management limit? a) Defective cheque b) incomplete cheque

a) 3 (Three) b)( Two) c) 5( Five) 10. How many parties of a cheque?

2. How many insurance limits maintained in cash a) Three b) Two c) Five

department? 11. Pay to ………….(no name)
a) Three b) Two c) Five a) Defective cheque b) incomplete cheque.
3. How many times prize bond Draw in a year? 12. Pay to self …… or bearer
a) 3 times b) 4 times c) 6 times a) Order cheque b) Bearer cheque
4. After banking hour cheque may be honor to: c) Material alternation cheque to be authentic

a) Drawer (maker of cheque) d) a & c

b) Holder c) bearer d) none one 13. How many months can be eligible to pay a
Government cheque?
5. Holder means:

a) A Person who holds /possessions of a negotiable

a) 3 months b) 6 months 9 months
instrument in his own named & received payment.
14. How many months can be eligible to pay a
b) A person who holds the instrument private Bank cheque?

6. Party of a cheque are: a) 3 months b) 6 months c) 9 months

a) Drawer (Maker) b) Payee (Beneficiary) 15. Limitation of cheque payment:

a) Notice at death of A/c holder

c) Drawee (Bank) d) All above
b) Garnishee order issued from the court.
7. A cheque can be payed over the counter (Cash
counter): c) Stopping (countermanding) payment made
by A/c holder. d) All of above.
a) Order cheque b) Bearer cheque
16. Minor can issue (draw), endorse a cheque and Bill of exchange:
c) Open cheque d) a, b & c
a) Can b) Cannot c) None one
8. Limited company‘s cheque pays to company:
17. Can a minor enjoy the benefit of a partnership &
a) Cash payment allowed he is not liable for the debt at the firm?

b) Cash payment not allowed a) Minor can enjoy the benefit but not liable.

c) None of above. b) Minor can enjoy the benefit & bear liable

c) None one
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18. Revocation of Banker’s authority: 25. Who can cross cheque:

a) Countermanding of payment. a) Anybody can cross cheque.

b) Notice of customer’s death b) Anybody can not cross cheque

c) Notice at adjudication of customer as an c) Only drawer can cross cheque.

insolvent.
D) None one.
d) Insufficient fund. e) Standing instruction as
26. Who can cancel crossing:
assignment e) All above
a) Anybody can cancel crossing
19. Cash is a:
b) Drawer can cancel crossing
a) Most liquate asset. b) Current asset
c) Banker can cancel d) Bearer can cancel
c) Fixed Asset. d) None one
crossing
20. Safety and profitability depends on:
e) Holder can cancel crossing.
a) Harmonized management of liquidity
27. Who can endorse a cheque:
21. Limit in cash department consists:
a) Only holder b) Drawer as when a holder
a) 2 (two) b) 3(three) c) 5(five)
c) Only drawer d) a & b
22. More liquidity of branch effect on:
28. Statuary obligation of a banker is:
a) Low risk & low profit
a) To honor cheque
b) Low risk & more profit.
b) To maintain secrecy
c) High risk & more profit d) none one
c) To maintain relationship.
23. Less liquidity of branch effect on:
D) None of above.
a) High risk & high profit
29. Contractual obligation of a Banker is:
b) Low risk & more profit.
a) To honor cheque
c) High risk & low profit
b) To maintain secrecy
d) None one
c) To maintain relationship. D) None of
24. Cheque drawn on bank on demand: above.

a) Conditional 30. Can simple cross cheque drawing two parallel

line negotiable to anybody?
b) unconditional
a) Yes b) NO c) None one.
c) None of above.

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31. Can “Not negotiable crossed cheque” b) A person who hold the negotiable
transferable? instrument.

a) Yes b) NO c) None one. 40. An order cheque to be a bearer cheque by:

32. An “A/c pays cross cheque” is a negotiable a) Blank endorsement.

instrument:
b) Full endorsement
a) Yes
c) Restricted endorsement.
b) No (because it losses negotiable)
d) Conditional.
c) None one.
41. Who can endorse a cheque:
33. A ” Demand Draft” is a negotiable instrument:
a) Only holder b) When Drawer as a holder
a) Yes b) NO c) None one.
c) A and B
34. “Pay order” is a negotiable instrument:
42. Can minor issue (draw), and endorse a cheque a
a) Yes b) NO c) None one.
Bill of Exchange?
35. Bill of lading is a negotiable instrument:
a) Yes b) No
a) Yes b) NO c) None one.
43. Minor cannot enter into the contract according
36. Negotiable instrument are: to contract Act 1872 but open A/c, Issue, endorse
cheque Bill of Exchange according to NI A 1881:
a) Promissory note (sec. 4 under NI A 1881)
a) Yes b) No
b) Bill of exchange (sec. 5 under NI A 1881)
44. Minor can enjoy all benefit at partnership:
c) Cheque (sec. 6 under NI A 1881)
a) Yes b) No
c) DD (sec. 85 A under NI A 1881)
45. Liability at partnership A/c to be bears a minor:
e) All of above
a) Yes b) No
37. Can open cheque paid over the counter?
46. The amount inwards and figure differ in a
a) Yes b) No
cheque. The amount inward can be paid
38. Cross cheque paid over the counter:
a) Yes b) No c) Can
a) Yes b) No
d) a & c
39. The Holder of negotiable instrument means:
47. When a cheque is not payable on demand it
a) A person who hodl/possess the negotiable becomes a bill:
instrument in his own name and received
a) Yes b) No
payment. (Sec. 8 under NI A 1881)

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48. Sight bill may be payable over the counter: 57. A crossed is more protected than

a) Yes b) No a) Order cheque b) Bearer cheque

49. Interest may be applicable in case of cheque & DD: c) None one.

a) Yes b) No 58. An order cheque is more protected than:

50. Except drawer’s signature. Anybody can fill up a) Order cheque b) Bearer cheque
the other material parts of the cheque.
c) None one.
a) Yes b) No
59. An open cheque is more protected than a crossed cheque:
51. A bearer cheque without any name at the payee
a) Yes b) No
can be paid own the contain to bearer:
60. Interest may be applicable in case at Bill of
a) Yes b) No
Exchange & Promissory note:
52. Validity for DD & cheque is:
a) Yes b) No
a) 3 months b) 6 months
61. For colleting of order cheque, colleting banker is
c) 9 months required to endorse the cheque:

53. Validity for pay order: a) Yes b) No

A) Unlimited period. 62. A collecting banker gets protection under

section:
b) Limited period c) None one
a) Sec. 13 of N.I. Act - 1881
54. A cheque before date presented is known as
b) Sec. 113 of N.I. Act – 1881
a) Antedated cheque
b) Advance cheque c) Sec. 131 of N.I. Act – 1881
c) Stale cheque
63. Who can be a Minor Account Holder?
55. General crossing cheque under the following (A) Age above 18 years.
loses its negotiability in case of:
(B) Age below 18 years
a) A/c payee only
(C) Age upto 18 years.
b) Not negotiable
c) & company 64. Negotiable instrument Act enforced at
56. Crossing is not necessary in case of: A) 1981 B) 1881
C) 1901 D) 2001
a) Bill of exchange.
65. Not negotiable instrument:
b) Promissory note
a) Bill of lading
c) a & b
c) Pay order c) All of above
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66. In order cheque under the following terms is c) All of the above
essential:
74. For collection of cheque on behalf of the
a) Delivery & endorsement customer collection bankers should put:

b) Only delivery c) Only endorse a) General crossing

67. In a bearer cheque under the following is essential: b) Special crossing

a) Delivery & endorsement 75. A Bill of Exchange is always payable:

b) Only delivery c) only endorse a) On demand

68. Cheque & DD are drawn on: b) On demand or at a fixed determinable

future time
a) Drawee(bank) b) Payee
76. Payee of a cheque must put signature on the
69. Promissory note is:
back receiving for of the said cheque payment:
a) A conditional promise
a) Single b) Twice c) Three
b) An unconditional promise
77. A cheque dated in advance is known as
c) Either a or b
a) Antedated
b) Post dated
70. Demand Draft is:
c) None of the above
a) Not a negotiable instrument
78. A cheque after expire of six (6) months is known as
b) AQuasi negotiable instrument
a) Antedated b) Post dated
c) Stale
c) A negotiable instrument
79. Cancellation of general crossing can be done by:
71. Bill of lading is:
a) Holder of the cheque
a) Not a negotiable instrument
b) Payee of the cheque
b) A Quasi negotiable instrument
c) Drawer of the cheque
c) a & b
80. Most important risks of collecting banker is:
72. Number of negotiable instrument is:
a) Risk of holder for value (collection of proceeds
a) Three b) Four c) Five advance payment or adjustment of)

73. Authentication/ confirmation is not required for b) Risk of convention (Wrongful payment of a
the following material alteration: customer cheque or cheque for one A/c but
deposited other A/c)
a) Cancellation of the word bearer
c) Both a and b
b) Crossing of an open cheque
81. Stamping is required under stamp Act in:
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a) Promissory note b) Payment order a) 52 (Fifty two)

c) All of the above. b) 54 (fifty four) c) 56 (fifty six)

82. Bank can pay the proceeds of the cheque to: 89. How many schedules Bank are operating in
Bangladesh?
a) Payee b) Holder
a) 52 (Fifty two)
c) None of the above
b) 54 (fifty four) c) 56 (fifty six)
83. A holder can endorse a cheque by putting
signature 90. How many specialize Bank are operating
in Bangladesh?
a) Single b) Double
a) Two b) four c) five
c) Either (a) or (b)
91. How many agriculture branches now operating in
84. An order cheque cannot become bearer without:
United Commercial Bank Ltd.
a) Full endorsement
a) 2 (Two) b) 3 (three) c) 4 (four)
b) Blank endorsement
92. How many AD (Authorize Dealer) now operate
c) Conditional endorsement branch of United Commercial Bank Ltd in Bangladesh

85. A negotiable instrument loses its negotiability by: a) 22 (Twenty two) b) 24 (Twenty four)

a) Blank endorsement c) 26 (Twenty six)

b) Full endorsement 93. How many Automated Teller Machine (ATM)

now operating in United Commercial Bank Ltd.
c) Restricted endorsement
a) 135 b) 151 c) 155
86. A cheque crossed “& company” can be
transferable only to: 94. Now Total customer in United Commercial Bank Ltd.

a) A company a) 0 .9 million plus b) 0.10 million plus

b) Any person or company c) 0.11 million plus d) none one

c) None of the above 95. How many Debit cards in United Commercial
Bank Ltd. (figure in thousands?)
87. Bankers remain responsible for crossed cheque to:
a) 123 b) 125 c) 126
a) Drawer b) True owner
96. How many credit cards in United Commercial
c) All of the above Bank Ltd. (figure in thousands?)

a) 67 b) 68 c) 69
88. How many Banks are operating in Bangladesh? 97. e- TIN means:
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a) Electronic Tax Identification Number a) Bill of Exchange and DP note

b) Electric Tax Identification Number b) Cheque & DD c) None one

c) Electronic Tax introducer Number 105. DD, DP note and Bill of Exchange is always to be
order:
98. Per capital income in Bangladesh 2016:
a) Yes b) No
a) USD 1446 b) USD 1456
106. Stamp is required in case of under the following
c) USD 1466 d) none one
instrument:
99. Gross Domestic Product (GDP) now in Bangladesh:
a) Promissory note
a) 6.50% b) 7.05% c) 8.50%
b) Bill of exchange
100. ISPs means:
c) A & B
a) Internet Service Providers.
107. FCUBS stands for-?
c) Internet service protocols A. FLEX CUBE UNIVERSAL BANKING SYSTEM
B. Foreign Uniform Banking System
d) Internet system providers C. Flex cube United Banking Solution
D. None of the above
101. How many branches of United Commercial
Bank Ltd operating in Bangladesh? 108. Wrongful payment of a customer cheque or
cheque for one A/c but deposited to other A/c is
a) 155 b) 158 c) 160 called:

102. Schedule bank should maintain total liquidity: a) Conversion risk

b) Holder for value.
a) 19.00% (Total)
109. When a customer deposits the amount in bank
b) 6.5% (CRR) in this case what relation take place between Bank &
customers?
c) 13% (SLR)
a) Debtor – creditor
d) 19.50% (Summation of CRR & SLR) b) Creditor – Debtor
c) Principal – Agent
103. Negotiable Instrument is always payable on
demand in case of: 110. When a customer withdrawal a cheque amount
from the bank is this case what relation will occur be
a) Cheque & DD when bank & customer?
b) Bill of exchange a) Creditor – Debtor
b) Debtor – Creditor
c) Demand promissory note c) Trustee – Beneficiary

104. under the follow instrument may be payable on 111. When land owner has given mortgage to bank
demand or at fixed determinable future time: in this case what relation will take place between
Bank & owner of property?
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a) Lender – Borrows
a) Mortgagee – Mortgagor b) Borrows – Lends
b) Mortgagor – Mortgagee c) Lessor – Lessee
c) Lender – Borrower
119. Can a minor act an agent of an adult and draw,
d) Pledge – Pledge
endorse, discount bill, cheque and obtain loan on
behalf of the principal provided power in writing?
112. Before collecting proceeds of instrument paid in
advance or adjustment of loan amount is called a) Yes b) No

a) Risk of holder for value 120. Money includes: (currency outside bank+
b) Conversion Demand deposit + Deposit with Bangladesh Bank
+Time Deposit)(M1)
113. In case of safe custody of valuable with Bank
a) Broad money (M2)
relationship will occur between Bank & customer?
b) Narrow money (M1)
c) Bad money
a) Bailee - Bailor
b) Bailor – Bailee
121. A minor can act as an agent on behalf of adult
but a minor can never be appointed as a trustee:
114. In case of safe custody of valuable documents
of landed properties Bank acts under: a) Yes b) No

a) Trustee – Beneficiary 122. A minor’s contract is not at all enforceable

b) Beneficiary – Trustee and the contract is absolutely void

115. Customer maintain a locker with a bank what a) Yes b) No

relation take place between bank & customer ?
123. Which are the special customers under the
a) Lessor – Lessee following?
b) Lessee – Lessor a) Minor
c) Trustee – Beneficiary b) Illiterate person
c) Married women
116. Costly money which is borrowed at a high rate d) All above
of interest is called:
124. Illiterate person cannot issue bear cheque, he
a) Dead money must come physically for withdrawing amount by
b) Narrow money putting thumb impression in presence of concerned
c) Broad money Bank officer:
a) Yes b) No
117. Bank can buy – sell of share, collection of
cheque ‘proceeds, payment of insurance premium
etc on behalf of customer in this case what relation 125. An individual eligible customer wants to open a
is take place between Bank & customer? CD A/C, he has to submit the following documents:
a) E- Tin
a) Agent – principal
b) Up to date Trade License along with other
b) Principal – Agent
documents
c) Turstee – Beneficiary
c) All above
118. When a customer enjoy a credit facility from a
Bank what relationship between Banks & customer?

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126. Bank can change (addition or deleting) the 133. Parties to a bill of exchange may be:
name in the FDR by:
a) Drawer (the maker of bill)
a) Obtaining a written request of customers b) Drawee (the person or firm is directed to
after examining the legal position pay the money by maker)
b) Verbally request c) Payee (real beneficiary)
d) Endorser (by maker holder)
127. Modern Banker renders a number of ancillary e) Endorsee f) All of above
services are: 134. How percent (%) of profit UCBL should maintain
general reserve?
a) Standing instrument a) 20% of profit
b) Safe custody ( share, securities, jewelry, bond b) 25% of profit
and documents) c) 30% of profit
c) Locker facilities / services
d) Safe deposit (keep packet / box in bank 135. How percent (%) of profit schedule Bank has to
custody to public or institution ) paid to Govt.
e) All of above
a) 42% of profit
128. Who is most Undesirable customer of a bank? b) 45% of profit
c) 40% of profit
a) Customers become guilty of conducting his
A/c in an unsatisfactory manner. 136. A small amount of cash fund is used for small
b) Customer who does not come to Bank items of expenditure is called:
regulatory a) Petty cash
129. CAR stands for: b) Pool cash
a) Capital adequacy Ratio (CAR should c) None of above
maintain 9% of RWA (Risk Weighted Assets)
b) Capital Assets Reserve. 137. Transfer of ownership of an instrument from
one person to another person so as to constitute
130. No CD A/c and SB A/c will be opened with a that person the holder of the instrument is called:
cheque as initial deposit and the Bank reserves the
right to close any CD A/c with prior notice: a) Negotiation (mode of negotiation 2 ways
I. merely/ only delivery only bear the cheque.
a) Yes b) No ii. Delivery and endorsement only order cheque )
b) Assignment
131. Notice for withdrawal in SND & SB a/c:
138. Transfer of ownership of an article by means of
a) Beyond 2(two) times in a week (7days)- written registered document under the provision of
interest will be allowed for the month the transfer of properly Act is called:
b) More than 2(Two) times in a week (7 days)- a) Negotiation
no interest will be allowed for the month. b) Assignment
c) None one
d) A and b 139. “Mulitated cheque to be when it is from into
two or more pieces, bankers should satisfied that
132. “Bank Draft” (DD) is payable on demand and its mutilation was unintentional and also obtains
payment cannot be countermanded (stopped) confirmation from the drawer for making payment:
a) Yes b) No
a) Yes b) No
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140. Can “Bank pay an antedated cheque (a date 148. Excise Duty realize from the A/c, as and when
earlier to the date on which the cheque is drawn a) Encashment
example drawn on bank 10/04/2016, bearing date b) At closing of A/c
5.4.2016): c) End of Financial Year   
d) For all of the above
a) Yes b) No
149. Daily Cash Position Memos prepared by
141. How many function in a cash section: a) The Teller
a) 3 (Three) b)( Two) c) 5( Five) b) The Head Teller

142. No interest will be allowed for premature 150. Which of the following ink is used in Bangladesh
encashment of FDR, before currency notes for security measure?
a) Magnetic ink
a) 1 Month b) Intaglio Ink
b) 3 Month c) Color shifting OVI ink
c) 6Month d) b & c
d) 12 Month

143. Which is not a Scheme Deposit Product of UCB? 151. There are ---- types of EFT can be originated

a) UCB Youngsters DPS Plus a) Two b) Three c) Four

b) UCB NRB Savings
c) UCB Earning Plus 152. BACH consists of:
d) UCB RMG DPS Plus a) 2 Windows b) 3 Windows
c) 4 Windows d) 5 Windows
144. Who are eligible for opening RFCD account?
a) Foreigners in Bangladesh 153. The account payee cheque shall be credited
b) Non resident Bangladeshis a) In any account
c) Resident Bangladeshis b) In the account of bearer
d) Any Bangladeshi travelling abroad c) In the account of payee named on the
face of the cheque
145. Cheque is always payable d) None of these
a) After expiry of the certain period
b) On demand 154. Why introduction is necessary for opening an account?
c) Post dated a) For loss of Statutory Protection only
d) None of them b) For risk of issuing fake Cheque only
c) For risk Un-discharged Insolvent only
146. Which one is Traditional Banking Product? d) For all of the above reasons
a) UCB Earning Plus
b) Money Maximizer 155. What type of account ‘UCB Saving Plus’ is
c) SND a) Savings Nature A/c
d) None of above b) FDR Scheme
c) DPS
147. Cash retained with Vault is: d) Special Scheme
a) Liability to the Bank
b) Asset to the Bank 156. As per the FI (financial Institution) Act, 1993, the
c) Asset to the customers. Bangladesh Bank shall prescribe the minimum capital of
d) None of the above every financial institution.
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a) True b) False a) All note b) All coin

157. Which of the following document is not must to c) All of above
open a bank account for a partnership firm? 165. Under what Act of the following, the banker-
a) Partnership deed copy customer relationship is generally established?
b) Registration certificate
c) Photos of all partners a) Negotiable Instrument Act- 1881
d) Signature Specimen Card b) Banking companies Act- 1991
c) Contract Act - 1872
158. Participants in BEFTN may be: d) Bangladesh Bank Order- 1972
a) Two b) Three
c) Four d) Five 166. Which Agency is responsible for investigating
Money laundering activities as per MLP Act?
159. Branch should not issue any cheque books to
the new customers and allow online transactions a) CID of Bangladesh Police
without fulfilling – b) Anti-Corruption Commission
a) A/C opening formalities c) Bangladesh Bank
b) Documentations d) Ministry of Finance
c) Approval of HOB
d) All the above 167. SLR stands for-
a) Statuary Liquidity Ratio

160. The definition of High value instrument 168. Banks are incorporated / registered under the:
depends on a) The Bank Company Act, 1991
a) Area of the instrument b) The companies Act, 1994 (1913)
B) Distance of the branch from Bangladesh Bank c) The Finance Act
c) Size of the instrument d) None of these
d) Amount of the instrument
169. Holder in due course means
161. Who cannot carry the partnership firm?
a) Two or more a) Bearer, payee or endorsee who holds
b) All partners b) Bearer, payee or endorsee who holds
c) One partner represented by the entire instrument with innocently before maturity
partner d) A Minor against value or consideration
c) Only the Account payee
162. Which one is not the function of commercial
bank? 170. Branch should send CTR/STR:
a) To issue currency notes. a) Every month
b) To mobilize deposits b) Every week
c) To deliver credit. c) Every three month
d) None of the above
171. Write the full form of KYC and KTC:
163. Issuing Bank’s liability is a) Know your customer and
a) Primary liability
b) Secondary liability 172. In Bangladesh first Banking began on
c) No liability
d) None of the above a) 17th December 1971
b) 23rd December, 1971
164. Currency note: c) 1st January 1972
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d) 27th December 1972 b) None one.

172. Bank rates means- 181. For withdrawal of a sum exceeding 25% of the
a) Interest rate at which Bangladesh balance or more from SB A/c in any week requires
bank lend money to other banks notice in writing
b) Interest rate at which banks gets a) 5 days b) 7 days
money from other banks c) 15 days d) 30 days
c) Rate of interest that banks charge on
their credit 182. Excess cash in vault should immediately be
d) Interest rate that is offered by banks to transferred to
collect deposits
a) Nearby Branch b) Feeding Branch
c) Corporate Branch d) Principal Branch
173. In Banking CRR stands for
a) Cash Reserve rate e) None of above
b) Cash Reconciliation Rate
c) Cash Reconciliation Ratio 183. How many characters in 100 & 500 taka note to
d) Cash Reserve Ratio detective:
a) 8 (eight) b) 10 (ten)
174. MIS means: c) 11 (eleven) d) 12 (twelve)
a) Management Information System
b) Management inter system 184. How many characters in 1000 taka note to
c) None one detective:
a) 8 (eight) b) 10 (ten)
175. WWW. Means: c) 11 (eleven) d) 12 (twelve)
World Wide Web 185. How distance to staple a pin at the middle of
176. Number of Non-schedule Banks in Bangladesh left hand sight in 1000 & 500 taka notes:

a) 3 (Three) b) 4(four) a) 1- 1.25 centimeter b) 1- 1.50 centimeters

c) 5 (five) d) 6 (six) c) 1- 1.75 centimeters d) 1- 2 centimeters

177. Transaction settled in BACH 186. Which product code “Dynamic Benefit Saving
a) Cash Transaction b) Transfer Transaction Account” is:
c) Clearing Transaction a) 3211 b) 3210
d) None of the above c) 3201 c) 3202

178. BEFTN settles transaction through 186. In Banking SLR stands for
a) Physical instruments a) Statuary Liquidity Ratio
b) Image of the instruction
c) Written instruction of the A/c holder 187. In Banking CSR stands for
d) None of the above a) Corporate Social Responsibility

179. CCM stands for- 188. When United Commercial Bank Ltd establishes:
a) Cash corporate management a) 29 June 1983 b) 30 June 1983
b) Corporate Cash Management c) 1 Dec 1983 d) 30 Dec 1983
c) None of above
189. Which product code “Sonirvor Current
180. Corporate cash management related issues are: Account” is:
a) Collection & payment, liability a) 2112 b) 1101
management, IPO Management & c) 3101 c) 1301
Remittance services.
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190. How many blind point in 100 taka note is? 199. A/C becomes inoperative if there is no
a) 3 (Three) b) 4 (four) transaction:
c) 5 five (five) d) 6 (six) a) More than six months
b) Less than six months
191. How many blind point in 500 taka note is?
200. CD A/C will become dormant when it has no
a) 3 (Three) b) 4 (four)
transaction:
c) 5 five (five) d) 6 (six)
a) More than 12 months
b) Less than 12 months
192. How many blind point in 1000 taka note is?
a) 3 (Three) b) 4 (four)
201. SB A/C will become dormant when it has no
c) 5 five (five) d) 6 (six)
transaction:
193. The note in which is dirty, soft and exist in a) More than 24 months
temper: b) Less than 24 months
a) Soiled note b) Mutilated note
c) Torne note d) none one 202. Unclaimed deposit means when an A/C remains
dormant for:
194. The note in which is dirty and disable:
a) Soiled note b) Mutilated note a) More than 10 years
c) Torne note d) none one b) Less than 10 years

195. The note in which is damage, soft and Exhaust 203. Party of a Bank guarantee:
in temper: a) Applicant(Principal Debtor)
a) Soiled note b) Mutilated note b) Grantor (Surety)
c) Torne note d) none one c) Beneficiary (creditor)
d) All of above
196. Where Bangladesh Bank is situated available for
direct cash remittance in this case remittance should send 204. Liability of Bank grantee in guarantor is
to: secondary:
a) Feeding Branch b) Bangladesh Bank a) Yes b) No
c) Chest Bank d) none one
205. Liability of a Bank guarantee in applicant is
197. Where there is no Bangladesh Bank regarding for primary:
cash remittance in this case remittance should sent to:
a) Feeding Branch a) Yes b) NO
b) Special Bank
c) Chest Bank (Representative of Bangladesh Bank) 206. Contract by which one party promises to save
d) None one the other from loss caused to him by the conduct of
the promiser himself or by the conduct of any other
198. Payment in due course means: person is called: (sec-124) contact ACT- 1872
a) Indemnity
a) Payment in accordance with the apparent
b) Guarantee
tenor of the instrument in good faith and
without negligence to any person in
207. Parties of an indemnity:
possession thereof.
b) None one a) Indemnity fire
B) Indemnity fight
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c) All of above c) 4 (four) d) 5 (five)

208. APG Stand for- 216. Who is chairman & CAMLCO in UCB is:
a) Asia Pacific Group on money laundering. a) Mr Mirza Mahmud Rafiqur Rahman

209. FDR, P.O, DD, loan that is multi transaction: 217. Who is Member Secretary & Deputy CAMLCO in
UCB is:
a) Placement a) Mr Abu Sadeque Miah
b) Layering
c) Integration 218. UCIC stands for-
a) Unique Customer Identification Code
210. Laundered amount coming to the economy as
normal business fund: 219. CDD stands for-
a) Customer Due Diligence
a) Placement
b) Layering
220. EDD stands for-
c) Integration
a) Enhanced Due Diligence
211. By depositing cash amount in the counter in
221. How many BFIU circular is:
small size amount create a big deposit:
a) Placement a) 8 b) 10
b) Layering c) 11 d) 12
c) Integration
222. PEPs means:
212. In Anti Money Laundering (AML) issue a) Politically Exposed Persons
Bangladesh Bank can make inspection and Anti
Corruption commission ( Dudak) file suit: 223. How many predicate offence is?
a) 28 b) 29
a) Yes b) NO c) 30 d) 31
213. In Anti Money Laundering (AML) issue banker’s 224. Which following is true?
responsibility:
a) Money Laundering Prevention ACT 2012
a) KYC b) Anti Terrorism Act – 2012
b) CTR
c) Information keep reserve 5 (five) years in 225. Which following is true?
case of A/C closing. a) Money Laundering Prevention ACT 2012
d) To provide all information to Bangladesh b) Anti Terrorism Act - 2013
e) All of above.
226. Which is cash register book under following?
214. How many numbers of circular in AML:
a) SB – 57 b) SB – 58
a) 28 b) 29 c) SB – 13 d) SB – 101
c) 30 d) 31
227. Which is cash in transit register under
215. Which number of master circular in AML? following?

a) 2 (two) b) 3 (three) a) SB – 57 b) SB – 58
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c) SB – 13 d) SB – 102 a) 2 years b) 3 years

228. Which is Stamp in hand register under c) 4 years d) 5 years
following? 238. Which Bank was the first to launch agent
banking in the country?
a) SB – 57 b) SB – 58 a) Mercantile Bank b) Eastern Bank
c) SB – 13 d) SB - 101 c) Bank Asia d) BRAC Bank

229. Which is Prize Bond register under following? 239. Who was the chairman of the Eight National
a) SB – 57 b) SB – 58 pay commission?
c) SB – 13 d) SB – 101 a) Dr Saleh Uddin Ahmed
b) Dr Mohammed Farashuddin
230. Which is Vault register under following? c) Dr Shrin Sharmin Chy
d) Dr Akbar ali Khan
a) SB – 57 b) SB – 58
c) SB – 13 d) SB - 101 240. Banking sector comes under which of the
following sectors?
231. Which is GL credit voucher under following? a) Industrial Sector b) Agriculture Sector
c) Service Sector d) Manufacturing Sector
a) SF – 11 b) SF – 12
c) SF – 43 d) SF – 22
241. The interest rate at which the Bangladesh banks
grant credit to schedule bank is termed as:
232. Which is GL Debit voucher under following?
a) Bank rate b) Pool rate
a) SF – 11 b) SF – 12
c) SF – 43 d) SF – 22 242. A promissory Note cannot be made payable to
the bearer:
233. Which is cash position memo under following? a) Yes b) No

a) SF – 11 b) SF – 12 243. A cheque is Bill of Exchange:

c) SF – 43 d) SF – 22
a) Yes b) No
234. Which is Cheque requisition under following?
244. The provisions relating to maintenance of
a) SF – 11 b) SF – 12
Statutory Liquidity Ratio (SLR) are contained in the
c) SF – 43 d) SF – 22
a) Company Act
b) Banking company Act (1991)
235. “A promise by a third person to the lender for
the present or future debt of the borrower” is called:
245. Which is the following circular about fake note?
(sec-126) contact ACT- 1872
A) Treasury rules of part- III, ch – IV, Sec – 52
a) Indemnity
b) Guarantee
246. Which is client deposit voucher under
following?
236. Liability of indemnity logged on indemnityfire is
primary under contract act -1872: a) SB – 57 b) SF – 08
c) SF – 13 d) SB – 101
a) Yes b) No
247. What kind of stamps is used in Bangladesh?
237. What is the tenure of the Governor of
Bangladesh Bank? a) 2(two) b) 3 (three)
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c) 4 (four) d) 5 (five) a) Lessor b) Lessee

248. Which are Adhesive stamp under following? 259. Fixed deposit is:
a) 50, 100 b) 10, 50 a) Time deposit b) Demand deposits
c) 10, 100 d) none one
260. A minor can open:
249. What is Universal Banking under following?
a) Saving Account b) Current Account
a) Debit card b) Credit card
c) Debit card and credit card d) None one 261. The liability of a partner in a partnership
concern is:
250. SWIFT stands for-
a) Society for worldwide inter Bank Financial a) Limited b) Unlimited
Telecommunication.
262. Constitutes a major source of a Banks fund is:
251. Who is Governor of Bangladesh Bank now?
a) Share capital b) Deposit
th
a) Fazla kabir (11 ) 15.3.16
263. Circular notes and circular cheques have not
252. A negotiable instrument cannot be indorsed for synonymous meanings:
a part of its value also: a) Yes b) No
a) Yes b) No
264. The advance against a life insurance policy is
dependent upon it’s:
253. Completion of an inchoate instrument is not a
material alteration: a) Face Value b) Surrender Value
a) Yes b) No
265. A banker can advance against its own fixed
deposit:
254. Crossing of a cheque can be opened through
signature by: a) Yes b) No
a) Drawer b) payee
266. How many Remittance Agent in UCB:
255. An accommodation bill is a a) 25 b) 26
c) 27 d) 28
a) Bill of exchange b) Promissory Note
267. DCFCL stands for-
256. A garnishee order issued by the court asks the a) Department Control function Check List
……. to pay the debt to the court.
268. What kinds of Deposit:
a) Debtor b) Creditor a) 2(two)(Time + Demand) b) 3 (three)
c) 4 (four) d) 5 (five)
257. Bank Draft and Pay Order are not synonymous
terms: 269. What kinds of Cheque:
a) Yes b) No
a) 2(two) b) 3 (three)
c) 4 (four) d) 5 (five)
258. In a financial lease transaction, the
270. BBB & ECC stands for-
responsibility of maintenance of the leased asset is
vested with
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a) Bankers Blanket Bond & Electronic a) 6(six) b) 7 (seven)

Computer Crime.(W.e.f- 20.03.2016) c) 8 (Eight) d) 9 (nine)
271. How many size in 1000 taka note: 282. When establish security printing press?

a) 160 × 70 (ash) b) 160 × 70(Red) a) 1989 (1st printing 10 taka note)

272. How many sizes in 500 taka note: 283. When polymer note is first printed:
a) 152 × 65 b) 160 × 70
c) 140 × 62 d) 152 × 62 a) 14 December 2000 (10 taka)

273. How many size in 100 taka note: 284. FATCA means
a) Foreign Account Tax Compliance Act
a) 140 × 62 b) 152 × 62
c) a & b 285. How much amount hacking from Bangladesh?

274. What is Imperial banking? a) 101 million (5 February 2016)

b) 100 million
a) Imperial banking is the next level of
personalization and convenience in banking. 286. Number of Foreign Banks in Bangladesh

275. How many main functions modern concept of a) 5 (five) b) 6 (six)

cash management: c) 8 (eight) d) 9 (nine)

a) 3 (Three) collection, handling & uses of cash. 287. Who is current financial secretary of
Bangladesh Bank?
b) 4 ( four) c) 5( Five)
a) Dr. Fazla kabir
276. Which note are legal tender? b) Mhabob Ahmed

a) 1 & 2 taka note 288. As per sec. 3(f) of Bangladesh Bank Note
Refund Regulations-2012 under which is:
277. When declare the taka is floating note
a) Mutilated Note b) Soil Note
a) 29 may 2003
289. Features of MICR Cheque:
278. GDP stands for-
Standard Size: 7.5”X3.5”
a) Gross Domestic Product
•Basis Weight: 95.0 g/m2 (±5%)
279. GNI stands for- •Thickness: Min 105 micrometers, Max 130
micrometers
a) Gross National Income
290. MICR line(Routing Number consists of Nine
280. How many kinds of note in Bangladesh? Digits)
Bank Code -3 Digits, District Code -2 Digits
a) 6(six) b) 7 (seven) •Branch Code -3 Digits, Check Digit -1 Digit
c) 8 (Eight) d) 9 (nine)
290. How can we check currency in test?
281. How many kinds of coin in Bangladesh?
a) 3 (three) (Security Strips ,
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Watermarks, Magnetic Ink)

291. When cash are put down in a vault to preserve

with security is called
a) Case-in-Safe/Vault.
292.When cash are brought from vault to counter for
starting day is called
a) Cash-in-Counter.

293. Bank/Branch may transfer of Cash to or from

another Branch/Bank, when they are in transit, is called:
a) Cash -in-Transit.
294. checking of instrument and proper cancellation.

a) Operational Risk

295. Detection of Fake Instrument as well as Fake

Notes-
a) Cash Handling

296.Cash should be sorted according to

a) 2 (two) Denominations of
notes,Natureofnotes

297. Bangladesh Automated Clearing House(BACH):

a) Bangladesh Automated Cheque Processing
System (BACPS)
b) Bangladesh Electronic Funds Transfer
Network (BEFTN)
c) All of above

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