REG NO:

ST. JOSEPH’S COLLEGE OF COMMERCE (AUTONOMOUS)
END SEMESTER EXAMINATION – MARCH/APRIL 2016
B.COM – IV SEMESTER
C1 12 403: THEORY AND PRACTICE OF BANKING
Duration: 3 Hours Max. Marks: 100
SECTION – A
I)	Answer ALL the questions. Each carries 2 marks. (10×2=20)
	1.	Differentiate between RTGS and NEFT.
	2.	What is a scheduled bank?
	3.	What do you understand by the term sukuk?
	4.	What is the impact of BASEL Norms on Indian Banking System?
	5.	Mention the circumstances under which banker can disclose information of customer’s account.
	6.	Who can cross a cheque?
	7.	What is NPA? Give examples.
	8.	What are the modes of creating charge on security?
	9.	What is ECS? Is it same as Electronic Money?
	10.	Define the term banking.
SECTION – B
II)	Answer any FOUR questions. Each carries 5 marks. (4×5=20)
	11.	Write short notes on earning assets of banks.
	12.	What is Investment Banking? Write its functions.
	13.	How are the rights of a banker classified? Explain.
	14.	What is a promissory note? Point out its features.
	15.	Spell out the principals of sound lending.
	16.	Write a short note on Payment Gateways.
SECTION – C
III)	Answer any THREE questions. Each carries 15 marks. (3×15=45)
	17.	Describe the functions of a commercial bank.
	18.	Explain in detail, the credit control measures adopted by the Regulatory Authority of RBI.
	19.	Who is a Paying Banker? Illustrate the precautions to be taken as Paying Banker in order to protect the customer’s interest while making payment of his cheque.
	20.	a. How are the early warning signals of NPA classified? b. How can a bank manage NPA successfully?
	21.	What is risk? Explain the different types of risk with relevant examples.
SECTION – D
IV)	Case Study – Compulsory question. (1×15=15)
	22.	In your role as the Branch Manager of a bank, how will you deal with the following situations? Give your reasons: Your customer sends a crossed cheque drawn by A in favour of your bank, for crediting to his account with you. D presents for encashment an uncrossed cheque payable to him or bearer and refuses to endorse the cheque. Will it make any difference if the amount is small? A bill dated 29^th January, 2016 payable after a month (without grace) remains unpaid on the 28^th of February, 2016. Mrs. Radha Dev sends for the credit of her account with you, a cheque drawn in favour of Mrs. R Dev and endorsed by her as Mrs. Radha Dev. A firm having A, B and C as partners enjoys an overdraft limit of Rs. 1 lakh with the bank. A communication is received by the bank that A died on the 15^th of January, 2016. On 20^th of January, 2016 two cheques signed by the deceased partner on 9^th January, 2016 are presented for payment.

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