0455.3.1.2 — banking The role and importance of central banks and commercial banks for government, producers and consumers.: past paper questions
Real questions on 0455.3.1.2 — banking the role and importance of central banks and commercial banks for government, producers and consumers.
The newest 14 of 14 written questions. Open one to see it on the real paper.
- 0455/21 · May/June 2026 · Q4a[2]
Identify two services that commercial banks provide for their customers.
See it on the paper → - 0455/22 · February/March 2026 · Q3a[2]
Identify two causes of an increase in the demand for bank loans.
See it on the paper → - 0455/23 · October/November 2025 · Q3c[6]
Analyse the services provided to households by commercial banks.
See it on the paper → - 0455/22 · February/March 2025 · Q5b[4]
Explain why commercial banks may increase their lending.
See it on the paper → - 0455/12 · October/November 2024 · Q10[1]
What is an important role of a central bank?
See it on the paper → - 0455/21 · May/June 2024 · Q2b[4]
Explain two benefits that consumers may gain from having more commercial banks.
See it on the paper → - 0455/12 · October/November 2023 · Q12[1]
In most countries, which organisation controls the banking system?
See it on the paper → - 0455/22 · May/June 2023 · Q2a[2]
Identify two influences, other than price, on a customer’s choice of bank.
See it on the paper → - 0455/22 · October/November 2022 · Q1b[2]
two ways a bank could increase demand for its services.
See it on the paper → - 0455/22 · February/March 2022 · Q3b[4]
Explain two reasons why a high-income household may borrow more than a low-income household.
See it on the paper → - 0455/22 · May/June 2021 · Q5b[4]
Explain two reasons why commercial banks may want to merge.
See it on the paper → - 0455/22 · October/November 2020 · Q4a[2]
two functions of a commercial bank.
See it on the paper → - 0455/23 · October/November 2020 · Q5a[2]
State two functions, other than issuing banknotes and coins, of a central bank.
See it on the paper → - 0455/23 · May/June 2019 · Q1g[5]
Discuss the advantages and disadvantages of the activities of commercial banks to an economy.
See it on the paper →
What examiners said
Comprehensive responses • Many candidates correctly identified lower interest rates as the relevant factor and explained why this would increase borrowing or investment. • Some candidates successfully linked the increase in demand for bank loans to changes in inflation or confidence. Limited responses • Some candidates referred only to ‘low’ interest rates, missing the comparative requirement and...
— Examiner report, February/March 2026, 0455/22 Q3(a) (Cambridge)
There was a variety in the quality of answers to this question. There were some strong answers often linked to a rise in profit if more interest can be earned from lending and a central bank encouraging or instructing commercial banks to lend more. Some candidates, however, did not explain the reasons they identified.
— Examiner report, February/March 2025, 0455/22 Q5(b) (Cambridge)
This was well answered by most candidates with the quality of services and the rate of interest paid and received being the most common influences identified.
— Examiner report, May/June 2023, 0455/22 Q2(a) (Cambridge)
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