RBB Senior Assistant Exam Paper: Governance, Cash and Vault Management

 लोक सेवा आयोग

राष्ट्रिय वाणिज्य बैंक लिमिटेड, प्रशासन, नगद, पौडी, वरिष्ठ सहायक (नगर) पदको आन्तरिक प्रतिस्पर्धात्मक लिखित परीक्षा

२०८१/०७/१६

पत्र : लिखित समय : २ घण्टा ३० मिनेट पूर्णाङ्क : १००

विषय : Governance, Cash and Vault Management

प्रत्येक Section को उत्तर छुट्टाछुट्टै उत्तरपुस्तिकामा लेख्नुहोस् । अन्यथा उत्तरपुस्तिका रद्द हुनेछ ।

Section : “A” — 30 Marks

1. Describe the process of opening and closing of cash transaction in Rastriya Baniya Bank. 2.5+2.5=5
2. Explain the procedures for cash counting, tagging and bundling. How do these procedures contribute to effective cash and vault management? Describe. 3+2=5
3. Enlist the Instruments of Payment according to the Payment and Settlement Act, 2075. 5
4. What is Margin Call? What actions are required to be taken by the bank’s customers after receiving a Margin Call from Rastriya Baniya Bank Limited? Explain. 2+3=5
5. What is Soiled Notes? What are the objectives of Soiled Notes management? Also, elaborate the procedure of Soiled Notes management. 2+3+5=10

Section : “B” — 35 Marks

6. A customer offers gold ornaments as collateral for a loan. Explain the steps a bank staff should follow for identification, purity testing, weighing and valuation of loan. 5
7. Describe the arrangement required for the monitoring and security of the vault. 5
8. Explain the transaction process at/with Note Chest. 5
9. What qualitative and quantitative parameters push a standard loan into the ‘Watchlist’ category even if the borrower is paying their interest on time? Describe as per Unified Directives of NRB. 5
10. Describe the major functions and duties of Board of Directors as mentioned in Section 22 of Bank and Financial Institution Act, 2073. 5
11. Explain the types of loans according to the Rastriya Baniya Bank Credit Manual, 2077. 10

Section : “C” — 35 Marks

12. What is grievance? Why is grievance handling important in banking sector? Clarify. 2+3=5
13. Describe the structure of recruitment committee as per the provision of Rastriya Baniya Bank Employees Service Bylaws, 2070. 5
14. What is financial literacy? Why is the necessity for digital financial literacy increasing day by day? Explain. 2+3=5
15. A front-desk employee is the first point of contact between a bank and its customers. Explain the major responsibilities of front-desk staff and suggest measures to ensure efficient and customer-oriented service delivery. 5+5=10
16. What are the major differences between monetary policy and fiscal policy? Explain the relationship between these two policies to maintain economic stability. 5+5=10

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