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)
- Define banking.
- Differentiate between overdrafts and cash credit.
- What is meant by lender of the last resort?
- Differentiate between a debit card and a credit card.
- What is CRR?
- What is the concept of mutual funds?
- What is priority sector lending?
- What is the significance of specimen signature?
- What are secured loans?
- What is hypothecation?
PART – B
Answer any FIVE Questions: (5 x 8 = 40 marks)
- Explain the significance of crossing of cheques with illustration.
- Every loan creates a deposit. Explain.
- Briefly explain the quantitative and qualitative credit controls.
- What are the other businesses permitted for a banking company?
- Explain Garnishee order. What are its characteristics?
- Explain the banker’s right of appropriation.
- Differentiate between a savings account and a current account.
- Explain the principles of sound lending.
PART – C
Answer any TWO Questions: (2 x 20 = 40 marks)
- Explain the functions of commercial banks.
- Bring out the various functions of the RBI.
- Explain the general relationship between banker and customer.