MBA/MPE 2075

Fifth Trimester Examination - 2009

BANKING MANAGEMENT
Full Marks – 70
Time : 3 Hours

Answer Question No.1 which is compulsory and any five from the rest.

The figures in the right-hand margin indicate marks.

1. Answer the following questions : [2x10

a) What is credit syndication?
b) How is merchant banker defined under SEBI regulations?
c) What do you mean by “safety net scheme”?
d) Briefly explain the CCI model.
e) How is the off-site surveillance of banks conducted by RBI?
f) Where an organization wants to make payment of dividend or interest to large
numberof investors, through direct credit to bank accounts, it is called
_________.
g) Which of the following norms for sectoral exposure is not as per RBI’s
Prescription?
i) Priority Sector-40% of Bank’s net credit
ii) Credit to Deposit Ratio-60%
iii) Weaker section Advances – 10% bank’s net credit
iv) Total Agricultural advances – 185 of bank’s net credit
v) Export Credit-20% of bank’s net credit.
h) Basic requirements for Lending does not include the following
i) Borrower’s Constitution
ii) Documentation
iii) Credit Monitoring
iv) The legal remedy
v) Bank’s acquaintance with borrower.
 i) Which of the following are not permitted open savings Bank Accounts:
ix) Individuals
ii) Trusts
iii) Non-profit Organizations
iv) Government departments
v) Students.
j) RBI’s model for rating of Banks is known as:
i) CAMELS
ii) CAMEL
iii) ERATING
iv) ECAMEL
v) E-Governance
2 It is said that the relationship between a banker and a customer may be different
depending on the circumstances in each case. Justify this statement by commenting on
the following roles of a banker –
a) Banker as a Garnishee
b) Banker as a Debtor
c) Banker as a Creditor
d) Banker as a Trustee.
3. “With the rapidly growing consumer needs the credit card industry has a lot of potential.
Banks from public sector, private sectors are competing with the well established foreign
players in this industry.” Discuss the problems and prospects of credit card industry in
India at the present juncture. [10
4. Based on the different types of functions it performs, Reserve Bank of India plays a key
role in Indian Economy. Discuss, in brief, the functions of RBI as a Central Banker, as a
Promoter and as a Regulator. [10
5. Lending is a crucial activity for banks as it enables Banks to generate major portion of its
income. Discuss the fundamental principles of lending with special reference to Indian
Banking at the present juncture. [10
6. Rural Credit is the major thrust area for the present Government of India. Discuss the
credit delivery mechanism in Rural Finance at present highlighting the grey areas in
brief. [10
7. In a recent interview the CEO of ICICI Bank, the largest private bank of our country has
expressed his desire to GO RURAL by installation of large number of ATMs in rural
areas, the hitherto untapped bankable pockets of Indian. In view of the above, spell out a
cost benefit analysis for installation of ATMs in rural areas. [10
8. What is a Credit Policy of a Bank? Why is it needed? Discuss, in detail, with emphasis
on the following areas: [10
a) Prudential norms – meaning and utility
b) Credit risk assessment and its relation to pricing
c) Relevance of geographical spread or location in determining the volume and
mix of loans.

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 MBA/MPE 2075

Fifth Trimester Examination - 2008

BANKING MANAGEMENT
Full Marks – 70
Time : 3 Hours

Answer Question No.1 which is compulsory and any five from the rest.

The figures in the right-hand margin indicate marks.

1. Answer briefly the followings: [2x10

a) Central Bank (of a country)
b) Merchant Banking
c) CRM
d) Commercial Bank
e) Micro Finance
f) CAMELS
g) Financial Inclusion
h) Corporate Banking
i) Banking Regulations
j) Retail Banking.
2. a) Trace the evolution of banking in India beginning from the indigenous money lenders
[5
b) Discuss customers’ rights and obligations and banks’ rights and obligations. [5
3. a) Give brief details of five liability products of a bank. [5
b) Also describe five loan products of a bank. [5
4. a) What are the various value added facilities associated with bank deposit products ?
[5
b) Also describe the features of these value added facilities. [5
5. a) What are the principles of sound lending ? [5
b) How letters of credit and bank Guarantees make lenders relatively safe? [5
6. Write short notes on: [2x5
a) Core Banking
b) Debit Card
c) Credit Card
d) RTGS
e) MICR.
7. a) What is Credit Policy ? Who announces the policy? [2+2
b) When was the last Credit Policy announced in India? What are the important
highlights of the current Credit Policy? [1+5
8. Write what you know about the following: [2x5
a) Cooperative Banks
b) RRBs
c) SLR
d) CRR
e) SME.

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 MBA/MPE 2081

Second Year Supplementary Examination - 2007

BANKING MANAGEMENT
Full Marks – 50
Time: 3 Hours

Answer Question No.1 which is compulsory and any five from the rest.

The figures in the right-hand margin indicate marks.

1. Explain the following: [1x10

a) Credit Policy

b) Micro Finance

c) Credit Card

d) public Issue

e) Risk Management

f) Retail Banking

g) Fee-based services

h) Debit Card

i) Compound Interest

j) SME

2. Trace the evolution of formal banking institutions in India, beginning from the days East

India Company to date. Highlight all the important events during this period and explain

how banking has undergone revolutionary improvements now. [8

3. a) What are the essential functions of a Commercial Bank now?

b) Analyze the changing nature of banking operations and how it has facilitated better

Customer Relationship Management.

4. What are the standard products and services offered by banks? In recent years, how

banks in India have responded to potential needs of customers and have designed new

products and services and delivery mechanisms. Give brief details. [8

5. What is Banking Regulation Act? What is its scope? Who administers it and how?[8

6. What are the major e-banking products and services? How have these benefited the

customers? [8

7. What is Basel- II? Are Indian banks complying with the requirements of Basel – II, as of

now? What is / will be its impact on banks’ business and profit and why? [8

8. Explain briefly, what is Asset – Liability Management in banks. Why is its important?

What can happen, if it is not done? Are there any such instances? [8

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