Saturday, November 12, 2011

Lesson-2 regarding General Banking


Question: What are different types of insurance taken in Cash Management?
Answer:
a)     Vault limit Insurance- This is a insurance for the cash which is in the vault room.
b)     Counter limit Insurance- This is for cash counter
c)     Transit Limit Insurance –This insurance covered all cash carrying transaction.

Question: What are the different type of defective Notes ?
Answer:
1)     Altered Note- It is a note in which alteration has been made in the number, date, signature or value or in any other respect.
2)     Half Note- It is a half of a note which has been divided vertically through or near the centre.
3)     Mismatched Note- It is and imperfect note formed by joining a half note of one note to half note of another note .
4)     Mutilated Note- It is a note of which a portion is missing
5)     Obliterate Note- It is a note , not being a mutilated or altered note of which a portion has become or has been rendered undecipherable.

Question: What is Negotiable Instrument?
Answer:
A transferable signed document that promises to pay the bearer a sum of money at a future date or on demand.
o      Cheques
o      Bills of Exchange
o      Promissory notes.

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