Indian Banking System Question Papers May 2016, Dibrugarh University B.Com 4th and 5th Sem Hons and Non Hons (CBCS Pattern)

a)       The Lead Bank Scheme was introduced in 1968.                         False, 1969

b)      According to Section 22 (1) of the Banking Regulation Act, every bank who wants to start business in India must take license from the Reserve Bank of India.                                             True

c)       The Corporation Bank was nationalized in 1969.                          False, 1980

d)      Bridge loans have higher interest rates compared to other loans.                       True

(b) Fill in the blanks:    1x4=4

a)       Scheduled banks are listed in the Second Schedule of Reserve Bank of India Act, 1934.

b)      Money market is the market for Short term funds.

c)       The full form of RTGS is Real time gross settlement.

d)      Joint financing by more than one bank is known as Joint Venture.

2. Write short notes on (any four):   4x4=16

a)       Regional Banking.

b)      Indigenous Bank.

c)       Statutory Liquidity Ratio.

d)      Factoring.

e)      Overdraft.

f)        ATM.

3. (a) Discuss about the different types of banks in India.   14

Or

 (b) Discuss the role of State Bank of India in Indian economy.   14

4. (a) Explain the advantages and disadvantages of Unit Banking System.   7+7=14

Or

(b) Distinguish between:   7+7=14

a)       Narrow banking vs. Universal banking.

b)      Retail banking vs. Wholesale banking.

5. (a) Discuss the agency and general utility services rendered by a modern bank.  7+7=14

Or

 (b) Explain the achievements of Indian banking system after nationalization.   14

6. (a) What is Internet Banking? What are the main features and services of Internet banking? Discuss.     4+10=14

Or

 (b) Explain the following:   7+7=14

a)       Bridge loan.

b)      Advantages of phone banking.

Also Read: Indian Banking System Question Paper Dibrugarh University B.Com 4th Sem and 5th Sem

(OLD COURSE)

Full Marks: 80: Pass Marks: 32

Time: 3 hours

1. (a) Write True or False:   1x4=4

a)       Six Indian commercial banks were nationalized in the year 1969.      False, 1980

b)      Primary market is the market for long-term fund.                                   True

c)       Debit card does not create debt.                                   True

d)      The head office of the Reserve Bank of Indian is located at Mumbai.                 True

 (b) Fill in the blanks:    1x4=4

a)       The Bank of Madras was established in 1843.

b)      The full form of RTGS is Real Time Gross Settlement.

c)       The Board of Directors of Reserve Bank consists of 20 members.

d)      The Bill Market Scheme was introduced in the year 1970.

2. Write short notes on (any four):   4x4=16

a)       Scheduled Bank.

b)      Fixed Deposits.

c)       Statutory Liquidity Ratio.

d)      E-banking.

e)      Cash Credit.

f)        Priority Sector Advance.

3. (a) Define bank. Describe the functions of modern bank.   3+8=11

Or

 (b) Discuss the main provisions of the Banking Regulation Act, 1949 with regard to licensing of banking companies and branch expansion.    11

4. (a) Discuss the traditional functions of Reserve Bank of India.   11

Or

 (b) What is unit banking? Explain the differences between unit banking and branch banking.   3+8=11

5. (a) Describe the methods by which Indian banks make profitable use of their fund. What principles should guide the banker is making investment policy?   6+6=12

Or

 (b) Distinguish between:   6+6=12

a)       Public sector bank vs. Indigenous bank.

b)      Cash balance vs. Cash reserve.

6. (a) What is Capital Market? Explain the role of capital market in Indian economy.   3+8=11

Or

 (b) Discuss about the different institutions working in the Indian money market.   11

7. (a) Discuss the advantages of ATM.   11

Or

 (b) Explain the following:   5+6=11

a)       Factoring services.

b)      Phone banking.