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Sir,
I have qualified in the sbi clerical test .Now my
interview is on 16-10-2008.So pls tell me what questions
are asked in the interview and tell me the reference book
for interview in sbi.
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Answer Posted / tarun
Hii Pari,
The definition of a bank varies from country to country.
Under English common law, a banker is defined as a person
who carries on the business of banking, which is specified
as:[3]
conducting current accounts for his customers
paying cheques drawn on him, and
collecting cheques for his customers.
In most English common law jurisdictions there is a Bills
of Exchange Act that codifies the law in relation to
negotiable instruments, including cheques, and this Act
contains a statutory definition of the term banker: banker
includes a body of persons, whether incorporated or not,
who carry on the business of banking' (Section 2,
Interpretation). Although this definition seems circular,
it is actually functional, because it ensures that the
legal basis for bank transactions such as cheques do not
depend on how the bank is organised or regulated.
The business of banking is in many English common law
countries not defined by statute but by common law, the
definition above. In other English common law jurisdictions
there are statutory definitions of the business of banking
or banking business. When looking at these definitions it
is important to keep in mind that they are defining the
business of banking for the purposes of the legislation,
and not necessarily in general. In particular, most of the
definitions are from legislation that has the purposes of
entry regulating and supervising banks rather than
regulating the actual business of banking. However, in many
cases the statutory definition closely mirrors the common
law one. Examples of statutory definitions:
"banking business" means the business of receiving money on
current or deposit account, paying and collecting cheques
drawn by or paid in by customers, the making of advances to
customers, and includes such other business as the
Authority may prescribe for the purposes of this Act;
(Banking Act (Singapore), Section 2, Interpretation).
"banking business" means the business of either or both of
the following:
receiving from the general public money on current,
deposit, savings or other similar account repayable on
demand or within less than [3 months] ... or with a period
of call or notice of less than that period;
paying or collecting cheques drawn by or paid in by
customers[4]
O.kkkk......
Bye
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