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MA0045 & BANKING
MANAGEMANT
Qus:1 Banking accepts deposits of money from public for the purpose of
lending and investment. Based on this explain the principles of banking and
payment system constituent.
• Explanation of
principles of banking
• Explanation of payment
system constituent
Answer:
Explanation of principles of
banking:
The five principles of banking on
which a bank
Qus:2 To reach a destination, a definite plan is required. Business
planning creates definite strategies. Give the introduction of business
planning and targeting. Write down steps involved in the process of business
planning and targeting and explain the planning tools and methods put in
analysis.
• Introduction of
business planning and targeting
• Steps involved in the
process of business planning and targeting
• Planning methods and
tools
Answer:
Introduction of business planning
and targeting:
Business planning is a process of
creating definite strategies in line with the mission or the goal of a bank.
The process of business planning covers each aspect of operation and focuses on
all functions of the bank. The
Qus:3 Banks accepts deposits and deposits are repayable to the
depositors through the proceeds of investment and loans. You are supposed to
explain the need for credit policy with bank rates. Also explain the credit
process.
• Explanation of need for
credit with bank rates
• Explanation of credit
process
Answer:
Explanation of need for credit
with bank rates:
The commercial banks are required
to provide credit for productive purposes so as to support the growth of the
national economy. Before nationalisation, bank's credit was concentrated on
large business houses as it was controlled by them. The bank funds were locked
in big houses, and they suffered from high credit risk. The commercial banks
were compelled to extend a minimum level of credit
Qus:4 Write short notes on:
a) Interest rate risk
b) On-balance sheet adjustment
c) Off-balance sheet adjustment
Answer:
Explanation of interest rate
risk:
Interest rate risks affect the
market value of equity of a bank and it’s NII. The focus to increase the NII
will be addressed by banks from a short-term view and the improvement of market
value of equity from a long-
Qus:5 What do you understand by forfaiting? Explain on Forfaiting an
export finance option. Write the benefits of exporters from forfaiting.
• Meaning of forfaiting
• Explanation of
forfaiting an export finance option
• Explanation of benefits
of exporters from forfaiting
Answer:
Meaning of forfeiting:
Forfaiting is a mechanism of
financing exports by discounting export receivables, evidenced by bills of
exchange or promissory notes, with longterm maturities, on a fixed rate basis
(discount) up to 100% of the contract value.
Explanation of forfaiting an
export finance option:
Qus:6 Explain Automated Teller Machine (ATMs), write the benefits of
ATM. Explain the benefits of leveraging technology.
• Explanation of ATM
• Benefits of ATM
• Benefits of leveraging
technology
Answer:
Explanation of ATM:
ATMs have been introduced by all
the banks in India. ATMs perform some of the banking functions thereby making
it convenient for the customers to do certain banking transactions without even
visiting a bank. ATMs of the banks have been placed in important locations
across
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MA0036 &
FINANCIAL SYSTEM & COMMERCIAL BANKING
BK ID-B1770
CREDITS-4
MARKS-60
Q1. Financial system is a set of inter-related economic activities
working together to achieve economic development. Explain the significance,
characteristics, need and importance of financial system.
(Significance of financial system, Characteristics of financial system,
Need and importance of financial system) 3, 3, 4
Ans.
Significance of financial system
The term financial system is a
set of inter-related economic activities working together to achieve economic
development. It includes different markets, institutions, instruments, services
and mechanisms that influence the generation of savings, investment, capital
formation and growth. According to Robinson, the primary function of the
Q2. Money market is one of the type of financial market. Explain the
features of money market and write the constituents of money market.
(Features of money market, Constituents of money market) 5, 5
Ans.
Features and constituents of
money market:
Money market covers financial
assets which are close substitutes for money and the money as well.
The money market performs the
following main functions:
• To provide a method and system to
fulfil the demand and supply of short-term funds.
• To provide a tool to manage the
liquidity and interest rate in the economy.
• To provide acceptable access to
investors and borrowers of short-term funds to accomplish their borrowing
necessities and making investments at an efficient market
Q3. Write short notes on:
a) Commercial Banks
b) Cooperative Banks
c) Post office
(Explanation of commercial banks, Explanation of cooperative banks,
Post office) 3, 4, 3
Ans.
a) Commercial Banks
Commercial banks are the largest
financial intermediaries. The intermediation is the process of linking savers
as well as investors and those who make use of funds for developing their
business. Banking institutions in India have played a predominant role in
augmenting savings from the public and helping the economy in channelising the
same for
Q4. The business of commercial banks deals with Liability products and
asset products. Explain the important features of liability products.
(Important features of liability products and explanation of all) 10
Answer:
Q5. Explain the Chore committee recommendations and also write about
the challenges and issues of financial reforms.
(Chore committee recommendations, Challenges and issues of financial
reforms) 5, 5
Answer:
Chore Committee Recommendations:
The quality of lending improved
considerably but the cash credit system continued to pose few difficulties.
Bifurcation of working capital limit in two parts as demand loan and a
fluctuating cash credit component, as suggested by Tandon Group, was not done
by many banks. It was, therefore, considered necessary by Reserve Bank to
review the system of cash credit in all its aspects and for this purpose a
'Working Group' headed by Sh. K. B. Chore was appointed in 1979. The terms of
reference to the
Q6. Explain the perspectives in retail banking and perspectives in
Regulation.
(Explanation of perspectives in
retail banking, Explanation of perspectives in regulation) 5, 5
Ans.
Perspectives in retail banking:
The growth is very hard to find
as the revenue of the business is always under intense pressure and due to the
increasing cost in every business. The following four forces are proving this
point:
• There is more unemployment problem due
to
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MA0037 & BANKING RELATED LAWS & PRACTICES
Qus:1 Bank accepts different types of deposits and based on this you
will have to answer these. Explain the acceptance of deposits. Write about the
maintenance of cash reserves.
• Explanation of
acceptance of deposits
• Explanation of
maintenance of cash reserves.
Answer:
Explanation of acceptance of
deposits:
Banks accept different types of
deposits. The nature of deposit accepted could be either time deposit or demand
deposit. Time deposits are payable after the expiration of the period for which
Qus:2 What do you understand by contract of guarantee? Write the
differences between contract of indemnity and contract of guarantee. Explain
the essential features of a contract of guarantee.
• Meaning of contract of
guarantee
• Differences between
contract of indemnity and contract of guarantee
• Essential features of a
contract guarantee
Answer:
Meaning of contract of guarantee:
Contract of guarantee is a
contract to perform the promise, or discharge the liability, of a third person
in case of his default. The person who gives the guarantee is called the
‘surety’, the person in respect of whose default the guarantee is given is
called the ‘principal debtor’ and the
Qus:3 Explain the appointment of adjudicating authority, procedure for
adjudication Foreign Exchange Management Act (FEMA). Write the differences
between contravention and compounding.
• Explanation of
adjudicating authority
• Explanation of
procedure for adjudication
• Differences between
contravention and compounding
Answer:
Explanation of adjudicating
authority:
For the purpose of adjudication
under Section 13, the Central Government may, by an order published in the
Official Gazette, appoint as many officers of the Central Government as it may
think fit, as the adjudicating authorities for holding an inquiry in the manner
prescribed after giving the person alleged to have committed contravention
under Sec 13, against whom a
Qus:4 Explain the establishment of consumer disputes redressal agencies
and write about composition of district forums and Jurisdiction of district
forum.
• Explanation of consumer
disputes redressal agencies
• Explanation of
composition of district forums
• Explanation of
jurisdiction of district forum
Answer:
Explanation of consumer disputes
redressal agencies:
For resolving and dealing with
the consumer complaints, different forums are established at district level,
state level and national level. The compositions of these forums have been laid
down differently. They have different jurisdictions, powers and they have to
work and deal with
Qus:5 Write the purposes of disciplinary sanctions for breach of the
code. Write the internal procedure guidance. Give the differences between
banking ombudsman and Banking Codes and Standards Board of India (BCBSI).
• Explanation of breach
of code
• Explanation of internal procedure
guidance
• Difference between
banking ombudsman and BCBSI
Answer:
Explanation of breach of code:
Failure to comply with or fulfil
any commitment/s or any obligation/s, in full or in part thereof, under the Code
or these Rules shall constitute a breach. The purposes of disciplinary
sanctions for breach of the Code or
Qus:6 Write the loan policy of RBI given to co-operative banks. Give
the important guidelines from RBI on deposits.
• Explanation of loan
policy of RBI
• Guidelines from RBI on
deposits
Answer:
Explanation of loan policy of
RBI:
The Reserve Bank of India is
empowered to guide in the framing of the loan policy to be followed by the
co-operative banks in general or by any cooperative bank in particular. In this
respect, RBI may issue
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MA0039 & RETAIL BANKING
BK ID B1619
CREDITS 4
MARKS 60
Q1 Explain the reasons for retail growth- An analysis. Give the
advantages of retail banking. Explain the barriers to the development of
banking sector in India.
(Explanation of reasons for retail growth-an analysis, Advantages of
retail banking, Explanation of the barriers to the development of banking
sector in India)3,3,4
Answer.
Reasons for retail growth-an
analysis
1. Economic prosperity and the consequent
increase in purchasing power have given a boost to a consumer boom. Note that
during the 10 years after 1992, India’s economy grew at an average rate of 6.8
percent and continues to grow at
Q2.
Write short notes on:
a) Door step Banking
b) Mobile Banking
(Door step banking, Mobile
Banking)4,6
Answer.
a) Door step Banking
Customers demand for services is
such that banks need to provide banking service at their place of residence.
Phone banking has been developed in banks to cater to such requirements of the
customers. Through phone banking, a
Q3 Explain about the types of customers in retail banking.
Individuals
• Joint account holder
• Sole proprietor
• Partnership
• Karta
Answer.
Joint account holder
Two persons can open a joint
account with a bank. Bank is required to obtain clear operational instructions
from the joint account holders. The account can operated
Jointly – account operated
jointly by
Q4. Explain about cheque and its features. Explain the aspects on which
a banker has to verify.
(Explanation of cheque and its
features, Explanation of aspects on which a banker has to verify)3,7
Answer.
Ccheque and its features
Cheques are the main instruments,
which are used in settlement of money transactions. When a cheque is presented
for payment, a banker is required to verify whether the cheque is in order
before effecting payment. According to
section 6
Q5. Explain about clearing cheque and its features. Explain about Inter
Bank Settlements.
(Explanation of clearing cheque, Explanation about Inter bank
settlements)5,5
Answer.
Clearing cheque
Cheques are used as instruments
to settle business transactions. One customer draws a cheque in favour of
another customer and hands over the
cheque in settlement of his dues arising out of a business transaction. The
person who draws the cheque is called 'drawer' and the person in whose favour
the cheque is drawn is called 'payee'.
The payee
Q6. Explain on Leveraging Technology. Write about Product and process
innovation. Also write down on Technology Vs Global competition.
(Explanation on leveraging technology, Explanation on product and
process innovation, Explanation on Technology Vs Global competition) 3,5,2
Answer.
Leveraging technology
The implementation of technology
in banks has prompted them to leverage technology to a maximum extent to offer
services through multiple channels. Both banks and customers are benefited
through leverage of technology. Other than traditional banking, banks are able
to offer new products and services through leverage of technology and include,
ATM
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