Descriptive

2005

1. What are the major problems faced by the Indian public sector banks? What are the measures taken to tackle
them?
OR
(a) Briefly highlight the present structure of commercial banking in India.
(b) What are considered as sound banking principles? Explain

2. Elaborate the quantitative and qualitative credit control function

3. (a) Briefly discuss the fee-based products of commercial banks

(b) Discuss the rights and duties of the payee with regard to cheque

4. What are the types of frauds in banking operations? Suggest measures to prevent them.

5. Write brief note on any four of the following:-

(a) Promissory notes
(b) Clearing house
(c) RBI
(d) Rural banking
(e) Branch licensing
(f) Ancilliary services of commercial banks

2006

1 What are the functions of a central bank? What additional role does it play in developing economy
Or
Briefly describe the process of monetary policy making in India. What are the instruments used by RBI for the
purpose? What are the recent recommendations for improving Indian monetary policy?
2 (a) What are the objectives of bank nationalization in India? To what extend have the objectives been achieved.
(b) What are the challenges to commercial banks in India due to liberalization and globalization of banking
business?

3 Distinguish between negotiable and non negotiable securities. Outline various non-negotiable accepted by
bankers and their relative advantages
4 (a) What is endorsement? What is its significance? What are the different kinds of endorsement
(b) State the circumstances under which a banker is justified in refusing payment of cheque drawn on him

5 Write brief note on any four of the following:-

(a) Frauds in banking operations
(b) Balance Sheet of a commercial bank
(c) Recurring deposit account
(d) Promissory Note
(e) Duties of collecting banker to his customer
 (f) Hypothecation

2007

1. (a) Differentiate between branch banking and unit banking. Explain their relative advantages and disadvantages
(b) Draw a balance sheet of a commercial bank and explain the items on each side
Or
(a) State the functions of a commercial bank
(b) What are the challenges to commercial banks in India due to liberalization and globalization of banking
business?

2. Explain the role of RBI in development, control and functioning of commercial banks in India.

3. (a) What precautions should a banker take while granting advance against

i. Immovable property
ii. Insurance policy

(b) Write short notes on

i. Bankers duty of secrecy

ii. Safe Custody service

4. (a) What are the points that a banker must consider while opening a current account for a society or association
(b) Discuss the effects of crossing a cheque with the words “not negotiable” written on its face
(c) Explain the meaning of double crossing
5. (a) What are the precautions the paying banker should take while making payment of his customer’s cheque.
(b) State the various types of fraud which can be committed in case of saving bank account

2008

1. Where do commercial banks employ there funds? What are the principles needed to be followed by the banks
while employing funds? Explain
Or
Discuss the major problems faced by the public sector commercial banks in India. Suggest some measures to
address those problems
2. What are the various instruments used by RBI in its monetary policies? Why in some cases those instruments fail
in controlling credit
3. (a) Examine the statutory obligations of the banker to honor customer’s cheques
(b) Highlight the various types of ancillary services presently offered by the commercial banks in India
4. (a) Define a ‘customer’ of a bank
(b) Who are the special types of customers for a bank and what special care a banker has to take in order to deal
with such customers
5. (a) Explain the duties of a collecting banker with regard to presentation of a bill for collection
(b) Describe the functions of a clearing house