M.Com. DEGREE EXAMINATION, NOVEMBER 2017
First Semester
Commerce
Elective — MODERN BANKING
(CBCS 2014 onwards)
Time 3 Hours Maximum 75 Marks
Part A (10 X 2 20)
Answer all questions.
1. Define the term Banking.
2. Write a short note on CRR.
3. What do you mean by nomination?
4. What is currency chest?
5. What is participate certificate?
6. What are the various deposit products under retail
banking?
7. What is KYC?
8. Who is a Minor?
9. Write a note on Mortgage?
10. What is lien?
Sub. Code
4MCO1E1
AFF-4800
2
Ws20
Part B X 5 25)
Answer all questions.
11. Write the role of IT in commercial Banking services.
Or
What are the functions of commercial banks in
India?
12. Brief the function of clearing house.
Or
What do you understand by a scheduled bank? Who
decides these rates and for what
13. Distinguish between current account and savings
account.
Or
What are secured and unsecured advances of the
bank? What precautions should a banker take
advances?
14. What precautions should a banker take in opening
account in the name of minors and married women?
Or
State the difference between partnership firm and
join Hindu family account in terms of constitution
and operation of bank account.
AFF-4800
3
Ws20
15. As a banker what safeguards would you take while
making advances against Debenture stock.
Or
Discuss the advisability of any two the following as
security for bank advances:
Life policies
Immovable property
Partly paid up shares
Ware house receipts
Part C X 10 30)
Answer any three questions.
16. Explain the types of Banking.
17. Describe the monetary policy of the RBI.
18. Discuss the legal position of a banker regarding fixed
deposits.
19. Discuss about high risk customers.
20. Explain in detail about the effect of increasing in NPA
level for a bank.
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