Introduction to Banking Important Questions [Dibrugarh University B.COM 1st SEM Important Questions]

Are you preparing for the Dibrugarh University B.Com 1st Semester Examinations under the new NEP (FYUGP) Syllabus?

In this video, we break down the most essential and frequently asked theoretical and practical questions for Introduction to Banking (FYUGP 1st Semester). This comprehensive revision guide covers unit-wise long-answer questions, short notes, and previous examination trends (2023–2025) to help you score maximum marks in your upcoming End-Semester exams!


Question Paper Pattern

Duration: 3 Hours

Total Marks: 60 Marks (End Semester) + 20 Marks (In-Semester) = 80 Total Marks

Pass Marks: 18 (End Semester)

Question Type

Total Questions Asked

Questions to Attempt

Marks per Question

Total Marks

MCQs

8

Compulsory (All)

1 Mark

8 Marks

Short Notes

6 Options

Any 2

5

10 Marks

Q3 to Q5 (or Q8). Long Answer Type (with 'Or' Options)

3 to 4 Main Questions

Internal Choices (Or)

10 to 14 Marks

42 Marks

Total Marks

60 Marks

UNIT 1: Introduction to Banking & Digitalisation

Long Answer Questions:

1. Discuss about the evolution and development of banking in India.  2025, 2023

2. Write in detail about the structure of Indian Banking System. 2025, 2024

3. What is bank? Discuss the functions of commercial bank. 2024 (Primary, secondary, general utility) 2025

4. What is bank digitisation? Explain it pros and cons.

5. What is bank? What are Features of Banks?

UNIT 2: Types of Banking Systems

Long Answer Questions:

1. What are various types of bank? Also distinguish between:

- Scheduled bank and non-scheduled bank

- Central bank and commercial bank

- Unit vs branch banking

2. What is unit and branch banking? Explain their merits and demerits.

3. What is Universal Banking? Discuss its advantages and potential risks for the stability of financial markets.

4. What is wholesale and retail banking? Explain their merits and demerits.

5. Write detailed explanatory notes on Regional Rural Banks (RRBs) and their contribution to rural credit expansion.

Short Notes

a) Scheduled vs. Non-Scheduled Banks

b) Unit Banking vs. Branch Banking

c) Universal Banking vs. Narrow Banking

d) Regional Rural Banks (RRBs)

UNIT 3: Privatization and Non-Banking Functions

Long Answer Questions:

1. Discuss the strategic reasons behind the privatization and mergers of public sector banks in India.

2. What are the non-banking and fee-based functions performed by modern commercial banks? Explain how they boost revenue.

3. Describe the agency functions and general utility functions performed by commercial banks for trade, industry, and individual clients.

Short Notes

a) Privatization of Public Sector Banks

b) Merger & Amalgamation of PSBs

c) Bancassurance

d) Third-Party Product Distribution

e) Trustee and Executor Services

f) UPI and Wallet

UNIT 4: Recent Trends in Indian Banking System

Long Answer Questions:

1. What is E-Banking? Discuss the general features, benefits, and limitations of electronic banking services in India. 2023

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