LOYOLA COLLEGE (AUTONOMOUS), CHENNAI – 600 034

B.Com. DEGREE EXAMINATION – COMMERCE

FIFTH SEMESTER – APRIL 2012

CO 5500 – INDIAN BANKING

 

 

 

Date : 25-04-2012              Dept. No.                                        Max. : 100 Marks

Time : 9:00 – 12:00

 

PART – A

 

Answer ALL the Questions:                                                                                (10 x 2 = 20 marks)

 

1. Define banking.
2. Differentiate between overdrafts and cash credit.
3. What is meant by lender of the last resort?
4. Differentiate between a debit card and a credit card.
5. What is CRR?
6. What is the concept of mutual funds?
7. What is priority sector lending?
8. What is the significance of specimen signature?
9. What are secured loans?
10. What is hypothecation?

 

PART – B

 

Answer any FIVE Questions:                                                                               (5 x 8 = 40 marks)

 

1. Explain the significance of crossing of cheques with illustration.
2. Every loan creates a deposit.  Explain.
3. Briefly explain the quantitative and qualitative credit controls.
4. What are the other businesses permitted for a banking company?
5. Explain Garnishee order.  What are its characteristics?
6. Explain the banker’s right of appropriation.
7. Differentiate between a savings account and a current account.
8. Explain the principles of sound lending.

 

PART – C

 

Answer any TWO Questions:                                                                             (2 x 20 = 40 marks)

 

1. Explain the functions of commercial banks.
2. Bring out the various functions of the RBI.
3. Explain the general relationship between banker and customer.

 

 

 

 

 

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