rbi 2010_2014

COK 9

R. B. I. S. B. (B.DR)

2010

[TIME--:-,2-30 P.M. TO 5-30 P.M.)

(Maximum Marks-lOa)

PAPER I

ENGLISH

N.B.-(l) All questions are compulsory.(2) Figures to the right indicate marks.(3) Each question must be started on a fresh page.(4) All parts of a question must be answered together without other

answers intervening.(5) Marks will be deducted ifan answer far exceeds or falls short of

the set limit or is irrelevant or if the handwriting is illegible.(6) Answers must be written in English.

..

1. Write an argumentative essay of about 500 words, on anyone of thefollowing :-(a) Does Politics need Ethics?(b) Cricket unites the World!(c) Do Growth and Inflation go together?(d) Is Environment our Social Responsibility?(e) Travel and Tourism is a booming business.

2. (a) Make a precis of the following pa;:;sage in your own words, reducingit to about 220 words and give it a suitable title. Write your precison the special sheet provided for the purpose :-FOR the head of the IMF to quote Adam Smith may seem

unremarkable. But here is Dominique Strauss-Kahn citing the greatman in November 2010 : " The disposition to admire, and almost toworship, the rich and the powerful and ...neglect persons of poor andmean condition,..is the great and most universal cause of the corruptionof our mora1 sentiments."

Mr. Strauss-Kahn then bemoaned "a large and growing chasmbetween rich and poor-especially within countries". He argued thatinequitable distribution of wealth could "wear down the social fabric ".He added: " More unequal countries have worse social indicators, apoorer human-development record, and higher degrees of economicinsecurity and anxiety."

That marks a huge shift. Just before the financial crisis America's.Congress was gaily cutting taxes for the highest earners, and TonyBlair, Britain's prime minister, said he did not care how much soccerplayers earned so long as he could reduce child poverty. So why hasfear of inequality stormed back into fashion? Does it matter in somenew way ? Does it. have previously unknown effects ?

The most obvious reason for the renewed attention is inequality'sapparent increase. A common yardstick is the Gini coefficient, whichruns from 0 (everyone has the same income) to 1 (one person has allthe income). Most countries range between 0.25 and 0.6.

'r"'"",

/ I '.1.V

Marks

40

24

[Turn over

CON 9

2.

2

The Gini coefficient has gone" up a lot in some rich countriessince the 1980s. For American households it climbed from 0.34 in themid-1980s to 0.38 in the 2000s. In China it went up even more, fromunder 0.3 to over 0.4. But this was not universal. For decades, Latin~America had the world's worst income inequality. But Brazil's Ginicoefficient has fallen more than five points since 2000, to 0.55. Andas poor countries are on averkge"fb~owing faster than rich ones,inequality in the world as a whole is. falling.

Greater inequality can happen either because the wealthier aregetting wealthier, or the poor are falling-behind, or both. In Americait has had more to do with the rich. The income ofthe wealthiest 20%of Americans rose 14% during the 1970s, when the income of thepoorest fifth rose 9%. In the 1990s the income of the richest fifth rose27% while that of the poorest fifth went up only 1,0%. That is awidening income spread, but not a drastic one .. Robert Gordon, aneconomist at Northwestern University in Illinois, reckons, thatfor the bottom: 99% of the population, inequality has not risensince 1993.. . The problems at the bottom are reasonably well understood :technology enables the automation of blue-collar trades; 'globalisationlets unskilled jobs move to poorer, cheaper countries; shrinkingtrade-union membership erodes workers' bargaining power.' Butinequality is rising more sharply at the top, among what GeorgeBush junior called the" haves and have-mores ". Here the causesare more mysterious.

But recent research does suggest two other reasons why the risein inequality is a problem. One is that rich economies seem to providedisproportionate and growing returns to the already wealthy. The'other is that inequality may literally be making people miserable byincreasing stress and the hormones it releases.

Economists have long argued that inequality is a much lessimportant problem than poverty. The recent research linkinginequality to widespread social ills has not decisively overturned thatview : the evidence is still mixed, at best.

The claim that inequality now matters more because of brandsand status competition may turn out to be more robust. Such concernscould seem peripheral compared with global woes such as poverty.But inequality is local. As Adam Smith also once wrote, "ifhe wasto lose his little finger tomorrow, he would not sleep tonight ; butprovided he never saw them, he would snore with the most profoundsecurity over the ruin of a hundred million of his brethren."

(b) (i) Answer the following questions on the passage briefly, and inyour own words :-

(1) Discuss the universal cause of the corruption of our moralsentiments.

(2) What can wear down the social fabric? .(3) How did Blair express his fear of inequality?(4) Briefly mention how inequality worldwide is falling?(5) What is the Gini coefficient?

(6) Why- is the rise in inequality a problem?

Marks

12

cox 9Marks

(ii) Explain clearly the contextual meamng of the following 4expressions :-(1) Wear down the social fabric

I~ (2) A common yardstick(3) Blue collar trades(4) Peripheral.

3. Attempt anyone of the following in about 250 words ;- 20

(a) Draft an investigative report on a fire that broke out in theaccounts department last week. Suggest safeguards to handlesuch accidents in the future.

(b) Make a proposal on behalf of the employees to the GeneralManager of the R B. 1. on the need for some Yoga and Stress

Management Programmes for the officers, twice a year toincrease their efficiency. You are the H. R Manager.

(c) With Corporates supporting social causes it is suggested thatthe RB.1. can organise a Maths Quiz with cash awards forunderprivileged children. As General Manager put your ideasforward to the Head Office.

CON 10

.----(1) (2) (3)

(4) (5) (page) (6) (handwriting) (7) (perspective),

(presentation) ,

1. ()

()

2.

3. ()

()

4.

5. () ?

()

6. ()

()

7. () ?

() ,

8.

. . . . . (.)

2010

[----- 9-30 12-30 ]( -----100)

II

[

9. () -

() - ?

10. :----() () () ()

CON 10 2

R. B. I. S. B. (B.DR)2010

[TIME9-30 A.M. TO 12-30 P.M.](Maximum Marks100)

PAPER IIECONOMIC AND SOCIAL ISSUES

N. B..(1) Answer any five questions.(2) All questions carry equal marks.(3) Answers may be written either in English or in Hindi at the

candidates option. However, all the questions should be answeredonly in the language so chosen. Answer-books written partly inEnglish and partly in Hindi will not be evaluated.

(4) Part of the same question must be answered together withoutanswers to other questions intervening.

(5) Answer to each question must be started on a fresh page.(6) Marks will be deducted if handwriting is not easily legible.(7) Answers will be judged on the basis of perspective, analysis and

presentation.

1. (a) Inequality of income distribution is a global phenomenon . Discuss.

(b) Suggest suitable measures to reduce inequality of income in rural and urbansector in India.

2. Examine the impact of policy of liberalisation on rural and urban employment andpoverty.

3. (a) Critically evaluate Indias Free Trade Policy in the post reform period.

(b) Explain the recent developments in the exchange rate of rupee.

4. Development projects are considered as temples of modern India . Justify youranswer with reference to their impact on environment and health.

5. (a) What are the objectives of population policy of India ?

(b) Describe briefly the government programme for stable population.

6. (a) Review the role of regional political parties in different states.

(b) In the age of coalition parties do they consider politics as a family business .Discuss.

7. (a) Explain the role of National Human Rights Commission in the protection of human rights.

(b) Justify the need of reservation for SC, ST and other backward classes.

[ Turn over

CON 10 3

8. Review the achievements and failures of Indian planning in reaching its targetsand policies.

9. (a) Discuss the problems associated with urbanisation and rural-urban migration.

(b) What are the policies adopted by the government to solve them ?

10. Write notes on any two of the following :(a) Unorganised sector in India.(b) Micro credit and Women empowerment.(c) Weaknesses in Indias higher education.(d) Various forms of Regional Integration.

CON 10 4

CON 11

.----(1) I II (2) (3) (--) (4)

I

1. (capital market) (SEBI) ?

2. (foreign exchange risk) ? ? ?

3. (credit rating) ?

4.

5. (foreign direct investment) ? 1991 ?

II

6.

7. () (centralisation) (decentralisation)

() (delegation of authority)

8. (decision making) ? (ManagementInformation System) ?

9. (communication) (barriers)

. . . . . (-)

2010

[----- 2-30 5-30 ]( -----100)

III

[

CON 11 2R. B. I. S. B. (B.DR)

2010

[TIME2-30 P.M. TO 5-30 P.M.](Maximum Marks100)

PAPER IIIFINANCE AND MANAGEMENT

N.B..(1) Attempt any three questions from Section I and any two questionsfrom Section II.

(2) All questions carry equal marks.(3) Answers must be brief and to-the-point.(4) Answers may be written either in English or in Hindi at the


SECTION I

1. Explain the different aspects of the Indian Capital Market. What has been the roleof SEBI in this task ?

2. What is foreign exchange risk ? How can it be managed ? Discuss the tools usedfor the purpose.

3. What is credit rating ? Discuss its benefits and limitations.

4. Briefly discuss the framework put in place by the Reserve Bank of India for thesupervision of banks and financial institutions.

5. What are the arguments advanced in favour of foreign direct investment ?What steps have been taken by the Government in the period after 1991 toencourage foreign direct investment ?

SECTION II

6. Planning is the bridge between the present and the future . Discuss.

7. (a) Explain the terms centralisation and decentralisation .

(b) Explain the role of delegation of authority in making decentralisation effective.

8. What is decision making ? What is the role played by Management InformationSystem in decision making ?

9. Discuss the role of communication in an organisation. What are the barriers toeffective communication ?

CON 1164

R.B.I.S.B. (B.D;R)2011

[TIME-2-30 P.M. TO 5-30 P.M.]

(MAxrMUM MARKs-IOO)

PAPER I

ENGLISH

N.B.-(l) All questions are compulsory.

(2) Figures to the right indicate full marks to each question.

(3) Each question should be answered on a new page.

(4) All parts of a question should be answered together without otheranswers intervening.

(5) Marks will be deducted if an answer far exceeds. or falls short ofthe setlimit or is irrelevant or ifthe handwriting is illegible.

(6) Answers must be written only in English.Marks

1. Write an argumentative essay in about 500 words on anyone of the 40following topics :-

(a) Can technology bring about economic growth with social justice?

(b) Has the RBI succeeded in curbing inflation?

(c) Can we have a corruption-free society?

(d) Has the economic balance of power tilted eastwards?

(e) Is social 'net' working a blessing or a curse?

2. (a) Make a precis of the following passage reducing it to about 230 words 24and give it a suitable title. Write the precis on the special sheetprovided for this purpose :-

Microfinance is now understood as a financial activity. But, itactually emerged from development considerations. The need for accessto capital was specifically articulated by women during the UN Conferenceon Women and Development in Mexico City In 1975. The focus then wason the micro-person, the person with a micro-status in society.

The term' microfinance' came much later and its association movedfrom savings to microcredit to financial services. However, the primaryobjective of microfinance has always been developmental in nature. Allalong, it was aimed at removing poverty and hunger. But these twoquestions cannot be addressed adequately without factoring in the issueof health.

Financial services are not just about money or giving loans to thepoor. They are really about building assets to provide security andlivelihood to poor people. This would be impossible to achieve withouttaking into account the health status of poor individuals and theirfamilies.

All too frequently, the poor default on paying back their loans becauseof ill health and inability to earn during that period. This has taught usan important lesson: The poor work at the cost of their own body.

[Turn over

CON 1164 2

A poor woman's health and, therefore, her body is the first andforemost asset of her work and her life. For microfinance to achieve itsobjective of providing financial services to the poor it has to lay stress onhealth security as a crucial element of social security. They are indeed,two sides of the same coin.

When I started organizing informal sector labour in the late 1960sand early 1970s, I asked the poor what they wanted most Invariably, itwas work they sought and not charity. Yes, they longed for a better lifebut not the one without dignity. At the same time, it was clear that theirearnings could easily be wiped out without support services mostimportantly, health and childcare.

Capacity building in numeracyand literacy also required socialsecurity. This is necessary for sustained development and higher levelsof efficiency. This is where microfinance can play an important role and,for this reason, we need more microfinance co-operatives today.

But addressing this and providing health security is currentlydifficult since insurance schemes are generally not suited to the poor. Wemust therefore, develop innovative insurance products that meet therequirements of the poor while satisfying insurance principles. That iswhy an integrated approach that links microfinance with healthcare isso essential for development.

A product that has worked well is the deposit-linked life andnon-life insurance. As the demand for insurance grows, the need for anindependent, autonomous body offering health insurance to its membersgrows as well. This is an important social security measure because, amongother things, it can help finance medical expenditure.

The banks can play an important role in this area by providingfinancial services that cater to the healthcare needs of the poor borrowers.These include flexible savings and loans and particularly emergency loanson demand. Housing loans too can mitigate the hardship of the poorImproved living conditions lead to better and healthier lifestyle. In thisconnection one needs to strengthen the participation ofwomen in bankingespecially in microfinance.

In the final analysis, it is the women nf the household who balancethe family budget. They can, therefore, playa vital role in nourishingnot just kinship ties but health and well-being of the family as well.Thus, when she borrows from a Microfinance Institution (MFI) she seesit not just as access to money but as access to an input that will strengthenher family. To ensure that women continue to playa pivotal role in MFIs,we have to ensure that they are protected through social security andhealth security.

A Government that fails in its duty to provide basic healthcareservices at the local level adds to the indebtedness of the poor workers.That is why, the microfinance sector should collectively take up this policyissue with the Government. We must remember that income securityand health security are two sides ofthe same coin, especially for the poorwho are at the heart of MFIs.

ElaBhatt.

3CON 1164 3 Marks

(b) (i) Answer, briefly and in your own words, any three of the following 12questions based on the passage :-

(1) Trace the origin of the term' microfinance '. What has beenits aim all along?

(2) Why do the poor default on repayament of loans ? Whatlesson has the author learnt from this experience?

(3) Why does the author say that to truly benefit the needymicrofinance sector should focus on the issue of health ?

(4) What role can insurance companies and banks play inproviding social security to poor borrowers?

(5) Why does the author say that women can playa vital rolein ensuring the success of MFIs ?

(ii) Explain clearly the contextual meaning of any four the following 04expressions:-

(1) development considerations

(2) crucial element

(3) informal sector

(4) support services

(5) sustained development

(6) integrated approach.

3. Attempt anyone of the following in about 250 words :- 20

(a) Indian households have savings of above 30%- one of the highestin the world. A Committee has been constituted to suggest variousfinancial products where these savings can be invested with aview to protecting the principal from inflation and also to givepositive and real returns. Draft the Committee Report.

(b) Commuting to office during peak hours has become an ordealparticularly in large cities. This is affecting the efficiency of theemployees. As the HR Manager draft a proposal to be sent to RBIfor introducing flexible working hours in the bank. Highlight thesalient features of' flexi-time' and how it would enhanceefficiency at workplace.

(c) RBI had issued a Notification directing commercial banks againstlending more than 80% of the value ofthe property for loans aboveRs. 20 lakhs. The President of the Association of Real EstateDevelopers of India has written to RBI stating that this movedoes not bode well for developers as it may lead to drop in homesales. On behalf of RBI write a suitable reply to besent to the President of the Association. Impress upon the realestate developers that the notification is aimed at curbingspeculation in the market and not at affecting home sales.

CON 1165

.----(1) (2) (3)


(presentation) ,

1. 1991 ,

2. () ? ?

() ?

3. () ?

()

4. () (failed) ()

5. :----

() (Provisions)

()

6. ()

() ?

7. ()

()

. . . . . (.)

2011

[----- 9-30 12-30 ]( -----100)

II

[

8. () ?

()

9. ()

()

10. :----() , () () ()

CON 1165 2

R. B. I. S. B. (B.DR)2011

[TIME9-30 A.M. TO 12-30 P.M.](Maximum Marks100)






presentation.

1. Examine the banking sector reform measures undertaken in India since 1991. Brieflydescribe the recent changes in RBIs monetary policy.

2. (a) What is sustainable development ? What should be done to achieve it ?

(b) What is environment management ? Explain social and economic aspects ofenvironment management.

3. (a) Do you agree with a view that public sector enterprises have played a strategicrole in accelarating economic growth. Explain.

(b) Explain the importance of service sector and its contribution to employment inIndia.

4. (a) Monetary measures have failed to control inflation in India. Explain.

(b) Suggest suitable options for controlling inflation.

5. Explain the measures and strategies adopted by India on the following subjects

(a) Provision of Social Security

(b) Foreign Direct Investment.

6. (a) Explain the factors responsible for the rapid growth of export over the past decade.

(b) What changes have taken place in the product composition of exports in recentyears.

[ Turn over

CON 1165 3

7. (a) Religion continues to be an important source of identity for most people in SouthAsia. Discuss.

(b) Examine the need of secularism in our country with special reference toconstitution of India.

8. (a) Is creation of smaller states the right solution to improve the quality of governanceand check corruption. Discuss.

(b) Explain the changes in public administration in the age of globalisation andliberalisation.

9. (a) Caste factor is most dominant and omnipresent in Indian politics . Discuss thestatement with suitable illustration.

(b) Explain the impact of reservation policy on scheduled castes and scheduled tribes.

10. Write notes on any two :(a) Impact of globalisation on culture, media and technology.(b) Role of small and medium enterprises in Indian economy.(c) Privatisation of higher education.(d) IMF in the changing world.

CON 1165 4

CON 1166

.----(1) I II (2) (3) (--) (4)

I1. (merchant banking) ?

2.

3.

4. (credit)

5. () (securitisation) ?

()

II

6.

7. Autocratic (), democratic () abdicative () ?

8. () :----

(i) (ii)

() ? ?

9. (communication)

. . . . . (.)

2011

[----- 2-30 5-30 ]( -----100)

III

[

R. B. I. S. B. (B.DR)2011

[TIME2-30 P.M. TO 5-30 P.M.](Maximum Marks100)


N. B..(1) Attempt any three questions from Section I and any two questionsfrom Section II.



Section I

1. What is meant by merchant banking ? Discuss in detail the various functionsperformed by merchant bankers.

2. Briefly explain the salient features of the Foreign Exchange Management Act.

3. A tax is a burden on the present ; a debt (loan) puts the burden of repayment onfuture generations. Explain.

4. Explain in detail the different methods of credit control in India.

5. (a) What is securitization ? What purpose does it serve ?

(b) Discuss the benefits and limitations of securitization.

Section II

6. Sound organization is an essential prerequisite of efficient management. Explain.

7. What are the major differences between autocratic, democratic and abdicative stylesof leadership ?

8. (a) Explain the terms authority and responsibility .

(b) What is delegation of authority ? How can delegation be made effective ?

9. Discuss the role of communication in an organization. What are the barriers to effectivecommunication ?

CON 1166 2

CON 662

[ Turn over

R. B. I. S. B. ( B.DR )PY 2012

(MAXIMUM MARKS100)

PAPER I

ENGLISH

N.B.(1) All questions are compulsory.

(2) Figures to the right indicate full marks to each question.

(3) Each question should be answered on a new page.

(4) All parts of a question should be answered together, without otheranswers intervening.

(5) Marks will be deducted if an answer far exceeds or falls short of theset limit, or is irrelevant, or if the handwriting is illegible.

(6) Answers must be written only in English.

1. Write an essay of about 500 words on any one of the following :

(a) Can the Food Security Bill help ?

(b) Has Gold lost its Glitter ?

(c) Sports other than Cricket, are winning us medals today.

(d) How do Hi-Tech gadgets Rule our Lives ?

(e) Environmental disasters are not only due to Global Warming.

(f) Indian Food is popular Worldwide !!

2. (a) Make a precis of the following passage reducing it to about 230words, and give it a suitable title. Use the precis sheet speciallyprovided for this purpose :What do Indians want and what are their concerns? In the rare

cases where such questions are asked, there are no surprises: pricerise, corruption, job creation, law and order, education and health,the precise ranking varying from survey to survey.

More than 50% of Indias population is under-25 and there willbe a clutch of new voters in 2014. Priorities of under-25s arentnecessarily the same as priorities of those over 65. With gerontocracycharacterising political leadership, there is a disconnect betweenwhat Young India wants and what Old India thinks Young Indiawants. Old India lives in yesterday and unfortunately, uses itsprism to deliver policies for tomorrow, when Old India will nolonger be around. Young India will live in tomorrow and will behamstrung by policies Old India fashions today.

There are reasons for Young Indias disenchantment. Inflationis high and at the consumers end, unlikely to fall sharply.Similarly, numbers show a decline in employment generation.Inflation of 10% matters less if money incomes rise at 10% plus.It matters more when jobs are scarce, salaries and increments arelower, there is greater privatised expenditure on health andeducation and EMIs become difficult to service. It matters more ifthe custodians of public assets are perceived to have interpreted

Marks40

24

CON 662 2

privatisation in ways that the Washington Consensus did not thinkof. It also matters more if the state is seen to be lax in ensuringits primary responsibility of law and order and justice delivery,reasons why people around the world elect governments in thefirst place.

Anger and angst witnessed on the streets are as much amanifestation of these underlying reasons than immediate triggers.Ostensibly, as per the census, only 31% of Indias population isurban and such concerns may be thought to be representative ofurban Young India, not rural Young India, inhabiting the 6,00,000Villages. This proposition has doubtful validity. While urban andrural have census definitions, Indias evolution over the lastdecade is not just about faster urbanisation, it is also aboutprogressive integration of several villages into the mainstream.

Telecom and road connectivity have improved. There is greaterinformation dissemination. Earlier, a large chunk of migration usedto be within the District. Though migration data becomes availablewith a lag, circumstantially, interstate migration has increased.

A characteristic of developed countries is low transaction costs ofmigrating to other regions. Though transaction costs are still highin India, they are probably declining. Politically, patronisingmindsets tend to think of voting populations as being carved upinto collective categories like rural/urban, caste, religion, ethnicity,even gender. Development breaks down such collectivecategorisation into individuals and households. It is aspirationsand expectations that become collective, standardised and universal,focused on development and governance and provision of publicgoods. It cant be anyones case that the churn is already complete,or that it will manifest itself in 2014 voting patterns.

One dosent know whether the structural shift will lead to ashift in electoral dynamics in 2014. What one does know is thatfew political parties and leaders have understood that a shift istaking place. This is reflected in discourse and debates and will bereflected in manifestos and vision documents. The Bible states,Your young men will see visions, your old men will dream dreams.

While the old men will dream of coming back to power, it shouldbe a function of a vision that is sold to Young India of bettermentof lives and economic empowerment, not doles and handouts. Itshould be a vision of where we want India to be in 2025, orbeyond. That differentiates 20/20 vision from myopia.(Extracted from an article by Bibek Debroy in The Economic Times)

(b) Answer any two of the following questions based on the passageabove :

(i) What are the concerns of Indians ?(ii) Discuss briefly the reasons for Young Indias disenchantment.

(iii) What is reflected in discourses and debates ?

(c) Use any three of the following phrases in sentences of your own toillustrate its meaning :

(i) lives in yesterday(ii) to fall sharply

(iii) anger and angst(iv) economic empowerment(v) differentiate vision from myopia.

Marks

10

6

CON 662 3

Marks203. Answer any one of the following in about 250 words :

(a) The Chairmen of the Reserve Bank has called an urgent meetingto examine the problem arising from a sudden spurt of fake notesof denominations of 1000 and 500 in the market. Discuss themeasures suggested to identify and stop this flood of fake currency.

(b) Hoardings pose an environmental hazard and are an ugly sightin any city. Write an open letter, as a concerned citizen to theEditor, The Times of India offering your ideas in this matter.

(c) In the wake of online financial frauds and phishing ; the RBI hasdecided to send a Circular to all banks to secure the details of theaccounts of their customers and warn them about such risks. Draftthis circular.

CON 663

.----(1) (2) (3)


(presentation) ,

1. ()

() (core) (values)

2. ()

() + 20

3. () (panacea)

() , (performance)

4. () - (migration) ?

() ?

5. ()

() ?

6. ()

() -

. . . . . (.)

PY 2012

( -----100)

II

[

7. () (Infrastructure)

()

8. () (shifted) ?

() (corporate)

9. ()

() (Presidential)

10. :----() () : - () - () (Liberalised)

CON 663 2

R. B. I. S. B. (B.DR)PY 2012

(Maximum Marks100)






presentation.

1. (a) Distinguish between economic growth and economic development.

(b) Explain various aspects of economic development incorporating the core valuesof development.

2. (a) Explain the linkage between environment and economic development.

(b) Comment on the new theme of Rio+20 conference: Green economy path tosustainable development.

3. (a) Monetary policy is not a panacea for Indias long term economic challenges. Discuss.

(b) Explain the comparative performance of public sector banks, new private sectorbanks and foreign banks in India after the introduction of reforms.

4. (a) What are the factors that influence rural-urban migration?

(b) How does migration affect economic development?

5. (a) Examine the position of women in informal sector.

(b) Why does female labour force participation ratio decline with better economicconditions in India ?

6. (a) Examine foreign exchange reserves and external commercial borrowings asmethods of financing deficit in Balance of Payments.

(b) Discuss the role of R.B.I. in controlling exchange rate fluctuations.

[ Turn over

CON 663 3

7. (a) Examine the role of infrastructure in economic development.(b) Discuss the positive and negative implications of service sector growth in the

process of economic development.

8. (a) Why the focus of discussion on human development has shifted from quantity ofgrowth to quality of growth?

(b) Discuss the need of involvement of corporate sector in higher education.

9. (a) Examine the changing political values in India.(b) Discuss the suitability of presidential form of Government for India.

10. Write notes on (any two) :(a) Food security to all(b) Poverty : a multi-dimensional problem(c) Impact of W.T.O. on Indian Agricultural Trade(d) Role of planning in liberalised economy.

CON 663 4

CON 664

.----(1) I II (2) (3) (--) (4)

I1. 2013-2014

2. - ( ), -

3. - (FERA) (FEMA) ,

4. (NBFCS) 3 (RBI) 1934 ,

5. :----

(i) (Securitisation)

(ii)

(iii) (Swaps)

(iv) (sub-standard assets)

II

6.

7. ()

()

8. ()

()

9. ()

() ,

. . . . . (.)

PY 2012

( -----100)

III

[

R. B. I. S. B. (B.DR)

PY 2012

Maximum Marks100)

PAPER III

FINANCE AND MANAGEMENT

N. B..(1) Attempt any three questions from Section I and any two questionsfrom Section II.


candidates option. However, all the questions should be answeredonly in the language as chosen. Answer-books written partly inEnglish and partly in Hindi will not be evaluated.

SECTION I

1. Highlight the salient features of the Union Budget 2013-14.

2. High inflation is a source of internal and external disequilibrium-Explain thestatement with reference to CAD (Current Account deficit) and weakening of therupee.

3. Indian forex management had evolved from FERA to FEMA. Discuss.

4. Briefly state the provisions relating to the Non Banking Financial Companies (NBFCS)under Chapter III B of the RBI Act, 1934.

5. Write short notes on any two of the following :(a) Securitisation(b) Stock market index(c) Swaps(d) Sub-standard assets.

SECTION II

6. State the concept and goals of Human Resource Development (HRD).

7. (a) Explain the role of information Technology in Communication.

(b) Distinguish between Authority and Responsibility.

8. (a) Explain the terms Corporate Governance .

(b) Explain in brief the concept of Control and Communication.

9. (a) Briefly discuss the different styles of leadership.

(b) Distinguish between a Manager and a Leader.

CON 664 2

CON 489

R. B. I. S. B. (Gr. B.DR)

BY 2014

(Maximum Marks100)[Duration : 3 Hours]

PAPER I

ENGLISH

Instructions.(1) All questions are compulsory.(2) Figures to the right indicate full marks to each question.(3) Each question should be answered on a new page and the

question number must be written on the top.(4) Precis and its title should be written in Precis sheet only.(5) The answers of parts of the same question, if any, should

be written together. In other words, the answer of anotherquestions should not be written in between the Parts of aquestion.

(6) Marks will be deducted if an answer far exceeds or far fallsshort of the set limit, or if the handwriting is illegible.

(7) Candidate should use only Blue or Black ink pen/ball pointpen to write the answers.

(8) The Name, Roll No. and other entries should be written inthe answer-scripts at the specified places only and theseshould not be written anywhere else in the answer scriptand supplements used, if any.

1. Write an argumentative essay of about 500 words, on any one of thefollowing :

(a) Euthanasia, a debatable phenomenon in India.(b) Media is one of the strongest pillars of democracy.

(c) Role of R.B.I. in controlling the inflation.

(d) Stand of the NDA Government in dealing with corruption.

(e) Uses and misuses of Anti-Dowry Act.

(f) Commonwealth Games-2014 and India.

2. (a) Make a prcis of the following passage in your own words, reducingit to about 230 words and give it a suitable title. Use the prcissheet specially provided for this purpose :

Against the background of a stable recovery of world economy,the 6th BRICS leaders meeting from July, 15th to 16th at Fortaleza,Brazil, with the theme of Sustainable Solutions for Inclusive Growth,is definitely among the most important international events in thesecond half of this year. It is also an important event for China-India relations since the President of China has had his first evermeeting with the new Indian Prime Minister on the sidelines of thesummit. The BRICS has become an important force to cope with theinternational financial crisis, in driving global economic growth andin promoting democratization of international relations.

Marks

40

24

[ Turn over

The BRICS countries (Brazil, Russia, India, China and SouthAfrica) are not only building upon their own strength, but alsomake efforts to help others. Despite the financial need for their owneconomy, BRICS contributed a total sum of $180 billion to theInternational Monetary Fund in two rounds and the efforts werewell commended by the international community.

BRICS is highlighted by pragmatic co-operation in major projects.The BRICS New Development Bank (NDB) and the FinancialContingency Reserve Arrangement (CRA), which were first initiatedduring the 2012 BRICS summit in India, has become reality in theFortaleza summit. The NDB and CRA will not only benefit theBRICS countries, but also provide finance to infrastructure projectsin emerging markets and other developing countries. It is also aimedto assist them to better withstand risks from international financialturbulence. Other key economic co-operative projects such as jointfinancing by respective development banks, co-operation amongindustrial and business enterprises and the economic and tradeliaison group will also inject new momentum for development of theBRICS countries.

As the worlds two most populous and largest developing countriesas well as the founding members of the BRICS, China and Indiaare firm supporters and active participants of the co-operation amongthe BRICS countries, and always take co-operation with other BRICScountries as one of the priorities in their foreign policy. China andIndia are also good neighbours, good friends and good partners thathave established a strategic and co-operative partnership for peaceand prosperity. Both countries are now facing a historical missionof growing the economy and improving peoples livelihood. TheChina-India bilateral co-operation and their co-operation under theBRICS framework are complementary to each other.

Our major projects include the BCIM Economic Corridor, theChinese-style industrial parks in India, railway co-operation, andinitiatives of the Silk Road Economic Belt and co-operation alongthe 21st Century Maritime Silk Road. We are also working for a Trans-Himalayas Economic Growth Region driven by double-engine of China and India. All the co-operation can be benefitedfrom the BRICS co-operation mechanism. China and India shouldestablish a closer partnership of development to promote moreintegration of market, greater financial linkage, better connectivityof infrastructure as well as closer people-to-people contacts, andthus to bring our people tangible benefits.

India recently announced its Railway and Union budgets,indicating that India is set to accelerate economic development. AsIndias only neighbour in BRICS, China hopes and believes that,under the strong leadership of Indian Prime Minister, Indiaseconomy will gear up to a healthy track and develop better. Chinawill enhance its co-operation with India by proactive and practicalaction.

Chinese railway department has recently sent officials andtechnical experts to India for substantive consultation on co-operationof the speedup of existed railway lines and the upgradation ofrailway stations.

It is firmly believed that, with our joint efforts, a wide-ranging,multilevel and high-quality economic co-operation between China

MarksCON 489 2

and India will be achieved with more convergence of our twoemerging markets. The common development of China and Indiawill ensure the Asian centurys arrival.

There are still challenges for the BRICS countries to move forward.As an old saying goes, If you want to go fast, go alone ; if you wantto go far, go together. It is positively believed that as long asChina, India and other BRICS members insist on building theirstrong partnership, deepening economic co-operation, a better futureis achievable for BRICS.

(b) Answer any two of the following questions based on the abovepassage :

(i) What are the major objectives of the BRICS Bank ?

(ii) How can pragmatic co-operation in major projects beensured through the BRICS ?

(iii) Illustrate how can the China- India bilateral co-operation beachieved under the framework of the BRICS ?

(c) Use any three of the following phrases in sentences of your own, tobring out its meaning :

(i) to cope with

(ii) pragmatic co-operation

(iii) trade liaison

(iv) tangible benefits

(v) gear up.

3. Attempt any one of the following in about 250 words :

(a) It has been reported to R.B.I. that few banks are violating theprescribed norms while granting loans to the Private Companies.As the General Manager of R.B.I., direct a committee to beinstantly constituted to look into the matter and recommend theremedial measures to be initiated against such banks. Draft acommittee report.

(b) On behalf of RBI, issue a circular to all the subsidiary banks toopen special cell to deal with educational loan applications forhigher education in India and abroad and expedite the essentialprocedures to sanction the loans within a specific period of 10days.

(c) The Chairman of Customers Association has reported to R.B.I.that banks located in rural areas are not able to function welldue to frequent cuts in power supply. It causes tremendousinconvenience to customers who come from far off places and goback without their work being done. On behalf of R.B.I., drafta letter to the Chairman of the Association, assuring him thatthe matter will be seriously taken into account and rural bankswill be instructed to make provision for the installation ofgenerators to address this problem permanently in case of powerfailure.

Marks

10

6

CON 489 3

20

CON 491

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E Ex E VBM il =k E Uc n VBM *(3) |x E +E * (|iE |x E 20 +E) *(4) |iE |x E =k xB {` { n Vx SB il |x E J

{

7 . J EVB :----

(+) i |iI n x (FDI) E |k

() Ij FDI

8. ]Ei E E E i E Jhbi Ex E V. {. xE i E

E + SxiE Ex EVB *

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10. Ex n { ]{{h JB :----

(+) i E{ h E

() VE b E I ={M : nx +{

(E) i Vn E

(b) P]i + M----+x{i*

2CON 491

R. B. I. S. B. (Gr. B.DR)PY 2014

(Maximum Marks100)[ Duration : 3 Hours ]


Instructions. (1) Answer any five questions. (2) In case the candidate answered more than Five

questions, only the first five answers will be evaluatedand the rest of the answers will be ignored.

(3) All questions carry equal marks. ( 20 marks for eachquestion).

(4) Each question should be answered on new page andthe question number must be written on the top.

(5) The answers of parts of the same question, if any,should be written together. In other words, the answerof another questions should not be written in-betweenthe parts of a question.

(6) Marks will be deducted for illegible hand-writing.

(7) Answers will be evaluated on the basis of perspective,analysis, and presentation.

(8) Answers must be written either in English orin Hindi. However, all the questions shouldbe answered in one language only. Answer-bookswritten partly in English and partly in Hindi will notbe evaluated.

(9) Candidate should use only Blue or Black ink pen/Ballpoint pen to write the answers.

(10)The Name, Roll No. and other entries should be writtenin the answer-scripts at the specified places only andthese should not be written anywhere else in theanswer script and supplements used, if any.

1. Explain different indices for measuring economic development. Whichmeasure is most appropriate according to you and why ?

2. Deepening challenge of the climate change is the area that requiresimmediate global attention. Discuss.

3. (a) Explain the provisions under MGNREGA.

(b) Examine the challenges of Direct Benefit Transfer (DBT) with respectto MGNREG Scheme.

4. Examine the inter-relationship of food inflation and rising wages inrural areas of India.

[ Turn over

CON 491 3

5. Explain the causes of Indias rising sexual crime graph. What measures would yousuggest to prevent the same?

6. Increasing unemployment in India reveals that we are not able to put ourdemographic dividend to good use. Discuss.

7. Explain :

(a) Trends of Foreign Direct Investment (FDI) in India

(b) FDI in Insurance

8. Critically evaluate the J P Nayak committees recommendations to dismantle thegovernments stakes in nationalized banks.

9. Explain the contribution of service sector in income, employment and export inIndia.

10. Write notes on any two :

(a) Malnutrition in India

(b) Use of social media in education : a boon or bane

(c) Problem of child labour in India

(d) Declining sex ratio.

CON 491 4

CON 490

+xn.---(1) M I Ex ix |x + M II Ex n |x E=k n*

(2) n =n 5 +vE |x E =k ni i E { {S=k E Ex E VBM il =k E Ub nVBM*

(3) |x E +E *

(4) |iE |x E =k xB {` { n Vx SB il |x E J {

M--II

6 . E hVE

R. B. I. S. B. (Gr. B.DR)

PY-2014

(Maximum Marks100)[ Duration : 3 Hours ]


Instructions.(1) Attempt any three questions from Section I andany two from Section II.

(2) In case the candidate answered more than Five questions,only the first five answers will be evaluated and therest of the answers will be ignored.

(3) All questions carry equal marks.

(4) Each question should be answered on new page and thequestion number must be written on the top.

(5) The answers of parts of the same question, if any, shouldbe written together. In other words, the answer ofanother questions should not be written in-between theParts of a question.

(6) Marks will be deducted for illegible hand-writing.

(7) Answers must be brief and to the point.

(8) Answers must be written either in English orin Hindi. However, all the questions should be answeredin one language only. Answer-books written partlyin English and partly in Hindi will not be evaluated.

(9) Candidate should use only Blue or Black ink pen/Ballpoint pen to write the answers.

(10) The Name, Roll No. and other entries should be written inthe answer-scripts at the specified places only and theseshould not be written anywhere else in the answer scriptand supplements used, if any.

SECTION I

1. State the different types of exchange risks inherent in foreign exchangebusiness.

2. Briefly explain the Union Budget, 2014-2015 provisions relating tofinancial, banking and insurance sectors.

3. Trace the developments in financial sector reforms in India since 1991.

[ Turn over

CON 490 3

4. (a) Explain in brief the provisions of R. B. I. Act,1934.

(b) Write a note on R. B. I. s attempt in giving differential licenses forsmall banks.

5. Write short notes on any two of the following :

(i) SEBI

(ii) Stock Exchanges

(iii) Service Tax

(iv) Syndicated Loans.

SECTION II

6. Corporate Governance and Corporate Social Responsibility are the twinsto shine a corporate entity Discuss.

7. Distinguish between :

(a) Verbal and Non-verbal Communication

(b) Directing and Controlling.

8. A successful leader is always an effective leader do you vouchthis statement.

9. (a) Explain in brief the Concept and Goals of Human ResourcesDevelopment ( HRD ).

(b) Outline the role of incentives in building up employee morale.

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CON 490 4

rbi 2010_2014

Documents

allthe income

income of thepoorest

income ofthe wealthiest

worlds worst income

rich ones

andas poor countries

rich countriessince

awidening income spr