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Sunday, February 17, 2019

Gauhati University QuestioAn Papers:MODERN BANKING PRACTICES (May-June’ 2016)

Gauhati University Question Papers
Full Marks: 80
Time Allowed: 3 hours
Answer either in English or Assamese
The figures in the margin indicate full marks for the questions
1. Choose the correct answer:                                   1x10=10

a)      In which year was the State Bank of India established?
1)      1921.
2)      1948.
3)      1949.
4)      1955.
b)      Schedule 10 in the bank balance sheet relates to
1)      Investments.
2)      Advances.
3)      Fixed assets.
4)      Other assets.
c)       In which year was the Reserve Bank of India nationalized?
1)      1934.
2)      1935.
3)      1948.
4)      1949.
d)      Statutory obligation of a banker is/are to
1)      Honour customers’ cheques.
2)      Maintain secrecy of his customers’.
3)      Honour customer’s bills.
4)      Both (i) and (ii).
e)      Cash credit and overdraft are granted
1)      Through the savings deposit account.
2)      Through the current deposit account.
3)      Through the fixed deposit account.
4)      All of the above.
f)       A collecting banker is given protection only when he collects
1)      A crossed cheque.
2)      A bearer cheque.
3)      A mutilated cheque.
4)      All of the above.
g)      Garnishee order is issued by
1)      The banker.
2)      Customer of the bank.
3)      The court.
4)      None of the above.
h)      “Cash credit is a secured advance”. The statement is
1)      Correct.
2)      Incorrect.
i)        “Advances of a bank represent its assets.” The statement is
1)      Correct.
2)      Incorrect.
j)        “Endorsement is a must for a bearer cheque also.” The statement is
1)      Correct.
2)      Incorrect.
2. Answer any five of the following questions:                                   2x5=10
a)      What is retail banking?
b)      What is bank balance sheet?
c)       What is scheduled bank?
d)      Show how a bank becomes the customer of another bank.
e)      What is current account?
f)       Name any four documents of title of the goods.
g)      Write two advantages of bearer cheque.
h)      Define customer of a bank.
3. Answer any four of the following questions (in about 200 words each):                             5x4=20
a)      Distinguish between commercial bank and investment bank.
b)      Prepare a specimen of a bank balance sheet.
c)       State the characteristics of negotiable instruments.
d)      Explain the different types of business credit.
e)      What are special features of banker lien?
f)       Distinguish between cheque and bill of exchange?
4. Answer any four of the following questions (in about 600 words each):
a)      Describe the functions of modern commercial bank.                                               10
b)      State the various assets and liabilities contained in a bank balance sheet.                      10
c)       Discuss the general relationship between banker and customer.                       10
d)      (i) Discuss in brief the credit process in a bank.                                           6
        (ii) How banks manage their non-performing assets?
e)      State the statutory protections granted to the paying banker under the Negotiable Instruments Act, 1881.        10
f)       Write notes on (any two):                    5x2=10
1)      Branch banking system.
2)      Joint Account.
3)      Holder in due course.
4)      Principles of bank lending.


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