Dibrugarh University B.Com 4th Sem: Indian Banking System Question Papers (May' 2019)

2019 (May)
COMMERCE (General)
Course: 404 (Indian Banking System)
Time: 3 hours
The figures in the margin indicate full marks for the questions
Full Marks: 80
Pass Marks: 24
1. (a) Fill in the blank:                                                                     1x4=4

1)         Fourteen Indian commercial banks were nationalized in the year _______.
2)         The _______ was the first banking institution established in 1770.
3)         The Reserve Bank of India adopts _______ method for issuing notes.
4)         The full form of RTGS is _______.
(b) Write True or False:                                                             1x4=4
1)         The Imperial Bank was not given the power of issuing note.
2)         Functions of development bank and commercial bank are not same.
3)         The earlier name of the Reserve Bank of India was Imperial Bank.
4)         The State Bank of India was the first bank in India to launch credit card.
2. Write short notes on (any four):                                           4x4=16
a)         Public sector bank.
b)         Lead bank scheme.
c)          Group banking.
d)         Regional rural bank.
e)         Universal banking.
f)          Objectives of bank nationalization.
3. (a) Explain the role of commercial banks in economic development of a country.                          14
(b) Discuss in detail about the classification of banks in India.                                   14
4. (a) Explain the differences between branch banking system and unit banking system.         14
(b) Explain the following:                                                                                          7x2=14
1)         Pure banking.
2)         Wholesale banking.
5. (a) Discuss the principles of sound investment policy adopted by Indian commercial banks.        14
(b) Distinguish between the following:                                                                              7x2=14
1)         Private sector banks vs. Indigenous banks.
2)         SLR vs. CRR.
6. (a) What is mobile banking? Explain about various services that mobile banking system can provide to its customers. 4+10=14
(b) Describe the following:                                                                                      7x2=14
1)         Internet banking.
2)         Revolving credit.
Full Marks: 80
Pass Marks: 32
1. (a) Write True or False:                                                            1x4=4
1)         The first Presidency Bank in India was established in 1821.
2)         The Reserve Bank of India has five local boards for its supervision.
3)         In the year 1980, 6 numbers of Indian commercial banks were nationalized.
4)         Foreign exchange market has no geographical location.
(b) Fill in the blanks:                                                                                     1x4=4
1)         Capital market is the market for _______.
2)         The Reserve Bank of India was established in the year _______.
3)         The full form of RTGS is _______.
4)         Scheduled banks are listed in the Second Schedule of _______ Act.
2. Write short notes on (any four):                                                               4x4=16
a)         Current deposit.
b)         Lead bank scheme.
c)          Cash reserve ratio.
d)         Private banking system.
e)         Money market.
f)          ATM.
3. (a) Discuss the agency service of commercial banks.                                                   11
(b) Discuss about the classification of banks of India.                                                   11
4. (a) What do you mean by branch banking and unit banking? Distinguish between them.    3+3+6=12
(b) Discuss the main functions of regional rural banks.                                                                12
5. (a) What is liquidity? State the factors that affect cash reserve of commercial banks.          3+8=11
(b) Discuss the achievements of Indian commercial banks after nationalization.             11
6. (a) Explain the differences between money market and capital market.            11
(b) Explain the following:                                                                                            5+6=11
1)         Interbank market.
2)         Stock market.
7. (a) Discuss the advantages of Internet banking.                                                            11
(b) What do you mean by ‘bride loan’? Describe the characteristics of bridge loan.              3+8=11

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