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    Banking 2021

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    STÈVÉ SMÎTH

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    Banking 2021

    Uploaded by

    STÈVÉ SMÎTH
    16 views6 pages

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    banking_2021

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    16 views6 pages

    Banking 2021

    Uploaded by

    STÈVÉ SMÎTH

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 6

    Total number of printed pages - 6

    4(Sem–5/CBCS) COM HE 4 (BNK)

    2021

    (Held in 2022)

    COMMERCE

    (Honours Elective)

    Paper: COM-HE-5046

    (Banking)

    Full Marks: 80

    Time: Three hours

    The figures in the margin indicate full marks for the


    questions.

    1. Choose the correct answer of the following:


    1×10=10

    a) In which year was the Imperial Bank of India


    established?

    (i) 1920

    (ii) 1921

    (iii) 1930

    (iv) 1935

    Contd.
    b) Which one of the following is the first
    universal bank in India?

    (i) SBI

    (ii) HDFC Bank

    (iii) AXIS Bank

    (iv) ICICI Bank

    c) Garnishee order is issued by

    (i) customer of the bank

    (ii) the banker

    (iii) the court

    (iv) None of the above

    d) Overdraft is granted

    (i) for short duration

    (ii) for medium duration

    (iii) for long duration

    (iv) All of the above

    e) In case of negotiable instruments, which


    person generally gets a good title?

    4 (Sem - 5/CBCS) COM HE 4 (BNK)/G 2


    (i) Holder of stolen instrument

    (ii) Finder of the lost instrument

    (iii) Holder in due course

    (iv) None of the above

    f) In which year was the Banking Regulation Act


    passed?

    (i) 1921

    (ii) 1934

    (iii) 1935

    (iv) 1949

    g) "A banker's lien is a particular lien." The


    statement is

    (i) Correct

    (ii) Incorrect

    h) "Advances of a bank represents its assets.


    The statement is

    (i) Correct

    (ii) Incorrect

    i) "A bill of exchange can be crossed." The


    statement is

    4 (Sem - 5/CBCS) COM HE 4 (BNK)/G 3 Contd.


    (i) Correct

    (ii) Incorrect

    j) "Banks can carry on trading activities." The


    statement is

    (i) Correct

    (ii) Incorrect

    2. Answer the following questions: 2×5=10

    a) Write the full form of RTGS and NEFT

    b) What are 'banking' and 'banking company' as


    per the Banking Regulation Act?

    c) What is current account?

    d) What is cash credit?

    e) What is endorsement?

    3. Answer any four questions of the following in


    about 200 words each: 5x4=20

    a) Distinguish between public sector and private


    sector banks.

    b) Briefly discuss the general relationship


    between banker and customer.

    c) What is pledge? State the essentials of a


    pledge.

    4 (Sem - 5/CBCS) COM HE 4 (BNK)/G 4


    d) State the characteristics of negotiable
    instruments.

    e) Distinguish between cheque and bill of


    exchange.

    f) State the requirements as to minimum paid-


    up capital and reserves for banking
    companies incorporated in India.

    4. Answer the following questions in about 600


    words each: 10×4=40

    a) Describe the functions of a bank.

    Or

    Discuss the structure of commercial banks in


    India.

    b) State the procedure of opening a bank


    account in the name of a minor and a
    partnership firm.

    Or

    Discuss the special features of banker-


    customer relationship.

    c) Explain with examples, various types of


    crossing of cheques.

    Or

    Discuss the principles of sound lending.

    4 (Sem - 5/CBCS) COM HE 4 (BNK)/G 5 Contd.


    d) Discuss the powers of the Reserve Bank of
    India under the Banking Regulation Act, 1949.

    Or

    Describe the provisions of the Banking


    Regulation Act, 1949 in regard to

    (i) Licensing of banks, and

    (ii) Inspection of banking companies.

    *******

    4 (Sem - 5/CBCS) COM HE 4 (BNK)/G 6

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