Banking Theory and Practice

Reg. No. : ........................................
Code No. : 12657
Sub. Code : GMEC 62
B.A. (CBCS) DEGREE EXAMINATION, APRIL 2015.

Sixth Semester
Economics Main
BANKING THEORY AND PRACTICE
(For those who joined in July 2012 and afterwards)
Time : Three hours
Maximum : 75 marks
PART A (10 1 = 10 marks)

Answer ALL questions.
Choose the correct answer.
1.
J oP [Q Gx J
(A) \P | {
(B) \P \ {
(C) Czu Dmk {
(D)
Czu Dmk A_ {
A commercial bank is a
2.
(a)
social welfare business firm
(b)
social service firm
(c)
profit making business firm
(d)
profit making government firm
oP [QP Ph n Ax
GzuP o
(A) u o
(B) Csh o
(C) xno
(D)
The commercial bank is to make loans and

advances is a
3.
(a)
primary function
(b)
secondary function
(c)
subsidiary function
(d)
contingency function
AS [Q G[S Ax
(A) C[Qx
(B) AUP
(C) A
(D)
J[Qnu Tmhm]
Page 2
Code No. : 12657
The existence of unit banking system is in
4.
(a)
United kingdom
(b)
United states
(c)
United Arab Emirates
(d)
United federal system
\P |P vmh[PUS {vUS
[QP G A
(A) Aih [QP
(B) x Aih [QP
(C) \P [QP
(D)
Q [QP
Bank funds to finance various social
5.
(a)
development-oriented banking
(b)
priority sector lending
(c)
social banking
(d)
branch banking
Ph PP \mh Gx Cmhx
(A) 1851
(B) 1881
(C) 1991
(D)
Page 3
2002
Code No. : 12657
When was the negotiable instrument Act enacted?
6.
(a)
1851
(b)
1881
(c)
1991
(d)
2002
P\UP nzu [Q mk
u G A
(A) zv P\
(B) Bnh P\
(C) Pihmh P\
(D)
Pihhu P\
Cheques which can be collected only through a

banker is called as
7.
(a)
bearer cheque
(b)
order cheque
(c)
crossed cheque
(d)
uncrossed cheque
C J Cv n kv
x
(A) [Q
(B) Cv \ [Q
(C) Cv A_
(D)
{ A_P
Which one has the monopoly of note issue in India

(a)
Central Bank
(b)
Reserve Bank of India
(c)
Government of India
(d)
State Governments
Page 4
Code No. : 12657
8.
C J A] [QP \kQ
(A) [Q
(B) oP [QP
(C) EP [Q
(D)
mk {v{
Which one is acting as bankers to the government
9.
(a)
Central Bank
(b)
Commercial Banks
(c)
World Bank
(d)
International Monetary Fund
C
J
xPx
J[Skzx AvUPmhx
(A) u [Q (B) P] [Q
(C) A [Q (D)
Sv [Q
Which one has the protection and regulatory

approvals
(a)
internet banking
(b)
mobile banking
(c)
phone banking
(d)
local banking
Page 5
Code No. : 12657
10.
J {v Gx J
(A) u umk {v
(B) x umk {v
(C) A_ umk {v
(D)
mk umk {v
A hedge fund is a
(a)
private investment fund
(b)
public investment fund
(c)
government investment fund
(d)
foreign investment fund

PART B (5 5 = 25 marks)
Answer ALL questions, choosing either (a) or (b).

Answer should not exceed 250 words.
11.
(A) [Q ox
oP kzxP.
oP
Distinguish commercial banks

with Central Bank functions.
[Q
functions
Or
(B) [QP nzu UPnP.

Bring out the evolution of Banking.
Page 6
Code No. : 12657
12.
(A) AS [Q Q [Q
GxP.
Write about unit banking and Branch
banking.
Or
(B) P [Q |P mikP.
List out the merits of Mixed Banking.
13.
(A) oP [QP Ph US P
USP.
Explain the methods of credit creation of
Commercial Banks.
Or
(B) Ph Piuzv |P ?
What are the advantages of letter of Credit?
14.
(A) Ph Pmkmi |UP[P ?

What are the objectives of Credit Control?
Or
(B) Cv \ [Q oP USP.
Explain the functions of the Reserve Bank of
India.
Page 7
Code No. : 12657
15.
(A) q [Q GxP.
Write about the E-banking.
Or
(B) q
nmkh
|P mikP.
List out the benefits of electronic clearning

system.
PART C (5 8 = 40 marks)
Answer ALL questions, choosing either (a) or (b),
in about 600 words each.
16.
(A) oP [QP oP vP.

Critically
explain
the
functions
of
commercial banks.
Or
(B) J |mi a] oP [QP

[P .
Describe the role of commercial banks in the
development of a country.
Page 8
Code No. : 12657
17.
(A) umk [Q | wP
.
Describe the merits
investment banking.
and
demerits
of
Or
(B) Cv oP [QP
A P USP.
|h
Illustrate
the
current
structure
commercial banking in India.
18.
of
(A) P\P PP USP.

Explain the various types of cheques.
Or
(B) Ph ^mi |P mikP.

List out the advantages of bill of exchange.
19.
(A) [Q oP .
Describe the functions of central bank.
Or
(B) Ph Pmkkzx P USP.

Explain the methods of credit control.
Page 9
Code No. : 12657
20.
(A) | [Q oP .
Describe the functions of modern banking.
Or
(B) n Au P
USP.
Explain the various methods of transferring
funds.
Page 10
Code No. : 12657

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Reg. No. : ........................................

Code No. : 12657

Sub. Code : GMEC 62

B.A. (CBCS) DEGREE EXAMINATION, APRIL 2015.

PART A (10 1 = 10 marks)

social welfare business firm

social service firm

profit making business firm

profit making government firm

The commercial bank is to make loans and

Code No. : 12657

The existence of unit banking system is in

United Arab Emirates

United federal system

Bank funds to finance various social

priority sector lending

When was the negotiable instrument Act enacted?

Cheques which can be collected only through a

Which one has the monopoly of note issue in India

Reserve Bank of India

Code No. : 12657

Which one is acting as bankers to the government

International Monetary Fund

Which one has the protection and regulatory

Code No. : 12657

private investment fund

public investment fund

government investment fund

foreign investment fund

Answer ALL questions, choosing either (a) or (b).

Distinguish commercial banks

(B) [QP nzu UPnP.

Code No. : 12657

(A) Ph Pmkmi |UP[P ?

Code No. : 12657

List out the benefits of electronic clearning

(A) oP [QP oP vP.

(B) J |mi a] oP [QP

Code No. : 12657

(A) P\P PP USP.

(B) Ph ^mi |P mikP.

(B) Ph Pmkkzx P USP.

Code No. : 12657

Code No. : 12657

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