Updated for 2026 Syllabus Detailed Explanations High-Yield Core Concepts

Bank Promotion Exam Guide

Banking Awareness | Banking Knowledge | for all Bank Exams

Module: | Fundamentals of Contracts

Q7: A customer signing a written loan agreement, is an example of an express contract. What is a common example of an implied contract in banking?

A
A bank collecting a cheque on behalf of a customer
B
A customer signing a safe deposit locker agreement
C
A bank issuing a sanction letter for a loan
D
A customer promising to repay a loan with interest
✅ Correct Answer: A
An express contract is stated in words (written or spoken), like a loan agreement.
An implied contract is formed by the conduct of the parties.
When a bank accepts a cheque for collection, an implied agency contract is created by the customer's action of depositing it.