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    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¸ ÁoP Á[Q Gߣx J¸

    (A) \‰P |»ß ¯õ£õµ {ÖÁÚ®

    (B) \‰P ÷\ª¨¦ {ÖÁÚ®

    (C) C»õ£zøu Dmk® ¯õ£õµ {ÖÁÚ®

    (D) C»õ£zøu Dmk® Aµ_ {ÖÁÚ®

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    Code No. : 12657Page 2

     A commercial bank is a

    (a) social welfare business firm

    (b) social service firm

    (c) profit making – business firm

    (d) profit making – government firm

    2. ÁoP Á[QPÒ Phß ©ØÖ® •ß£n® AÔ¨£xGzuøP¯ £o

    (A) •ußø© £o (B) Cµshõ® £o

    (C) xøn¨£o (D) ¤Ó¨£o

    The commercial bank is to make loans and

    advances is a

    (a) primary function(b) secondary function

    (c) subsidiary function

    (d) contingency function

    3. A»S Á[Q°¯À •øÓ G[S Aø©¢xÒÍÚ

    (A) C[Q»õ¢x

    (B) Aö©›UPõ

    (C) A÷µ¤¯õ(D) J¸[Qøn¢u Tmhõm] •øÓ

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    Code No. : 12657Page 3

    The existence of unit banking system is in

    (a) United kingdom

    (b) United states

    (c) United Arab Emirates

    (d) United federal system

    4. £À÷ÁÖ \‰P |»ßPøÍ vmh[PÐUS {v¯ÎUS®Á[QPøÍ GÆÁõÖ AøǨ£º

    (A) •ß÷ÚØÓ – Ai¨£øh Á[QPÒ

    (B) •ßÝ›ø© xøÓ Ai¨£øh Á[QPÒ

    (C) \‰P Á[QPÒ

    (D) QøÍ Á[QPÒ

    Bank funds to finance various social

    (a) development-oriented banking

    (b) priority sector lending

    (c) social banking

    (d) branch banking

    5. Phß P¸ÂPÒ \mh® G¨ö£õÊx C¯ØÓ¨£mhx

    (A) 1851 (B) 1881

    (C) 1991 (D) 2002

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    Code No. : 12657Page 5

    8. CÁØÔÀ JßÖ Aµ]ß Á[Q¯õP ö\¯À£kQßÓÚ

    (A) ø©¯ Á[Q

    (B) ÁoP Á[QPÒ

    (C) E»P Á[Q(D) £ßÚõmk {v{ÖÁÚ®

    Which one is acting as bankers to the government

    (a) Central Bank

    (b) Commercial Banks

    (c) World Bank

    (d) International Monetary Fund

    9. CÁØÔÀ JßÖ £õxPõ¨£õÚx ©ØÖ®JÊ[S¨£kzx® AÝ©vUP¨£mhx

    (A) ÁøÍuÍ Á[Q¯À (B) øP÷£] Á[Q¯À

    (C) AøǨ¦ Á[Q¯À (D) £Sv Á[Q¯À

    Which one has the protection and regulatory

    approvals

    (a) internet banking

    (b) mobile banking

    (c) phone banking

    (d) local banking

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    Code No. : 12657Page 6

    10. J¸ ÂÈ®¦ {v Gߣx J¸

    (A) uÛ¯õº •u½mk {v

    (B) ö£õx •u½mk {v

    (C) Aµ_ •u½mk {v

    (D) £ßÚõmk •u½mk {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) ø©¯ Á[Q £o°¼¸¢x ÁoP Á[Q£oPøÍ ÷ÁÖ£kzxP.

    Distinguish commercial banks functions

    with Central Bank functions.

    Or

    (B) Á[QPÎß £›n©zøu öÁÎUöPõnºP.

    Bring out the evolution of Banking.

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    Code No. : 12657Page 7

    12. (A) A»S Á[Q¯À ©ØÖ® QøÍ Á[Q¯À £ØÔGÊxP.

    Write about unit banking and Branch

    banking.

    Or

    (B) P»¨¦ Á[Q°¯¼ß |ßø©PøÍ £mi¯¼kP.

    List out the merits of Mixed Banking.

    13. (A) ÁoP Á[QPÒ Phß ö£¸US •øÓPÒ £ØÔÂÍUSP.

    Explain the methods of credit creation of

    Commercial Banks.

    Or

    (B) Phß Piuzvß |ßø©PÒ ¯õøÁ?

    What are the advantages of letter of Credit?

    14. (A) Phß Pmk¨£õmiß ÷|õUP[PÒ ¯õøÁ?

    What are the objectives of Credit Control?

    Or

    (B) C¢v¯ ›\ºÆ Á[Q°ß £oPøÍ ÂÍUSP.

    Explain the functions of the Reserve Bank of

    India.

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    Code No. : 12657Page 8

    15. (A) ªßÚq Á[Q¯À £ØÔ GÊxP.

    Write about the E-banking.

    Or

    (B) ªßÚq £n£mkÁõh •øÓPÎß

    |ßø©PøÍ £mi¯¼kP.

    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) ÁoP Á[QPÎß £oPøÍ vÓÚõ´P.

    Critically explain the functions of

    commercial banks.

    Or

    (B) J¸ |õmiß Áͺa]°À ÁoP Á[QPÎÀ

    £[øP £ØÔ ÂÁ›.

    Describe the role of commercial banks in the

    development of a country.

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    Code No. : 12657Page 9

    17. (A) •u½mk Á[Q°¯¼ß |ßø© wø©PÒ £ØÔÂÁ›.

    Describe the merits and demerits of

    investment banking.

    Or

    (B) C¢v¯õÂÀ ÁoP Á[QPÎß |øh•øÓAø©¨ø£ ›ÁõP ÂÍUSP.

    Illustrate the current structure of

    commercial banking in India.

    18. (A) Põ÷\õø»PÎß £À÷ÁÖ ÁøPPøÍ ÂÍUSP.

    Explain the various types of cheques.

    Or

    (B) Phß ©õØÖ ^miß |ßø©PøÍ £mi¯¼kP.

    List out the advantages of bill of exchange.

    19. (A) ø©¯ Á[Q°ß £oPøÍ ÂÁ›.

    Describe the functions of central bank.

    Or

    (B) Phß Pmk¨£kzx® •øÓPÒ £ØÔ ÂÍUSP.

    Explain the methods of credit control.

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    Code No. : 12657Page 10

    20. (A) |ÃÚ Á[Q°¯À £oPÒ £ØÔ ÂÁ›.

    Describe the functions of modern banking.

    Or

    (B) £n® Aݨ¦u¼ß £À÷ÁÖ •øÓPÒ £ØÔ

    ÂÍUSP.

    Explain the various methods of transferring

    funds.

     ——————