Total number of printed pages–7

4 (Sem – 6) MBP

2021

MODERN BANKING PRACTICES

( Major/General )

Paper : 603
Full Marks : 80
Time : Three hours
The figures in the margin indicate
full marks for the questions.

Answer either in English or in Assamese.

1. Choose the correct answer : 1×6=6
qX ά◊M√ 1ÀȬ± ¬ı±øÂ√ ά◊ø˘›ª± –
(a) In which year 14 commercial banks
were nationalised in India ?
ˆ¬±1Ó¬Ó¬ Œfl¡±Ú ‰¬ÚÓ¬ 14Ȭ± ¬ı±øÌøÊ√…fl¡ Œ¬ı—fl¡
1±©Ü™œ˚˛fl¡1Ì fl¡1± Δ˝√√øÂ√˘∑
(i) 1955/1955
(ii) 1969/1969
(iii) 1975/1975
(iv) 1980/1980
Contd.
 (b) In which year was the State Bank of
India established ?

Œfl¡±Ú ‰¬ÚÓ¬ ˆ¬±1Ó¬œ˚˛ Œ©ÜȬ Œ¬ı—fl¡ õ∂øӬᬱ fl¡1± Δ˝√√øÂ√˘∑

(i) 1921/1921

(ii) 1935/1935

(iii) 1955/1955

(iv) 1959/1959

(c) Schedule 9 in the bank balance sheet

relates to :

Œ¬ı—fl¡ ά◊¡Z‘M√ ¬ÛS1 9 Ú•§1 ’Ú≈¸”‰¬œÓ¬ ά◊À~‡ fl¡1±

ø¬ı¯∏˚˛ÀȬ± ˝√√í˘ –
(i) Fixed Assets
¶ö±˚˛œ ¸•ÛøM√√
(ii) Investments
ø¬ıøÚÀ˚˛±·
(iii) Other Assets
’Ú…±Ú… ¸•ÛøM√√
(iv) Advances.
’±·ƒƒÒÚƒº
4 (Sem – 6) MBP/G 2
 (d) A banker’s lien is :
Œ¬ı—fl¡±11 ¶§N ˝√√ í ˘ –
(i) Particular lien
ø¬ıÀ˙¯∏ ¶§N
(ii) General lien
¸±Ò±1Ì ¶§N
(iii) Negative lien
Ÿ¬Ì±Rfl¡ ¶§N
(iv) All of the above.
›¬Û11 ¸fl¡À˘±À¬ı±1
(e) Savings deposit account is more
suitable to business people.
¬ı…ª¸±˚˛œ Œ˘±fl¡1 ¬ı±À¬ı ¸=˚˛œ Ê√˜± ø˝√√‰¬±¬Û ’øÒfl¡
ά◊¬Û˚≈Mê√º
(i) Correct
qX
(ii) Incorrect
’qX
(f) High interest rate is paid on current
account.
‰¬ø˘Ó¬ ø˝√√‰¬±¬ÛÓ¬ ά◊2‰¬ ¸”S 1 ˝√√±1 ’±√±˚˛ ø√˚˛± ˝√√˚˛º
(i) Correct
qX
(ii) Incorrect
’qX

4 (Sem – 6) MBP/G 3 Contd.

2. Answer the following questions : (in about
50 words each) 2×5=10

øÚÀ•ß±Mê√ õ∂ùü¸˜”˝√ 1 ά◊M√ 1 ø˘‡± – [õ∂øÓ¬ÀȬ± 50Ȭ± ˙s1

øˆ¬Ó¬1Ó¬]

(a) What is Bank ?

Œ¬ı—fl¡ fl¡±fl¡ Œ¬ı±À˘∑

(b) What is a bank balance sheet ?

Œ¬ı—fl¡1 ά◊¡Z‘M√ ¬ÛS fl¡±fl¡ Œ¬ı±À˘∑

(c) Write two differences between

commercial bank and investment
bank.

¬ı±øÌøÊ√…fl¡ Œ¬ı—fl¡ ’±1n∏ ø¬ıøÚÀ˚˛±· Œ¬ı—fl¡1 ˜±Ê√Ó¬ ≈√Ȭ±

¬Û±Ô«fl¡… ø˘‡±º

(d) What is Non-scheduled bank ?

’Ú±-’Ú≈¸”‰¬œˆ≈¬Mê√ Œ¬ı—fl¡ fl¡±fl¡ Œ¬ı±À˘∑

(e) What is fixed deposit account ?

¶ö±˚˛œ Ê√˜± ø˝√√‰¬±¬Û fl¡±fl¡ Œ¬ı±À˘∑

4 (Sem – 6) MBP/G 4
3. Answer the following questions : (in about
250 words each) 6×4=24
øÚÀ•ß±Mê√ õ∂ùü¸˜”˝√ 1 ά◊M√ 1 ø˘‡± – [õ∂øÓ¬ÀȬ± 250Ȭ± ˙s1
øˆ¬Ó¬1Ó¬]
(a) State briefly the various types of
banks.
ø¬ıøˆ¬iß õ∂fl¡±11 Œ¬ı—fl¡À¬ı±11 ‰¬˜≈Õfl¡ ¬ıÌ«Ú± fl¡1±º
(b) What is public sector banks ?
Distinguish between pubic sector
banks and private sector banks.
1±Ê√Uª± ‡G1 Œ¬ı—fl¡ fl¡±fl¡ Œ¬ı±À˘∑ 1±Ê√Uª± ‡G1
Œ¬ı—fl¡ ’±1n∏ ¬ı…øMê√·Ó¬ ‡G1 Œ¬ı—fl¡1 ˜±Ê√Ó¬ õ∂Àˆ¬√
Œ√‡≈›ª±º
(c) Discuss briefly the general relationship
between banker and customer.
Œ¬ı—fl¡ ’±1n∏ ¢∂±˝√√fl¡1 ˜±Ê√1 ¸±Ò±1Ì ¸•Ûfl«¡1 ø¬ı¯∏À˚˛
‰¬˜≈Õfl¡ ’±À˘±‰¬Ú± fl¡1±º
(d) Discuss the formalities which a
banker has to observe before opening
a new account.
¤È¬± ÚÓ≈¬Ú ø˝√√‰¬±¬Û Œ‡±˘±1 ’±À·À˚˛ Œ¬ı—fl¡ ¬Û±˘Ú
fl¡ø1¬ı˘·œ˚˛± ø¬ıøÒ¸˜”˝√ ’±À˘±‰¬Ú± fl¡1±º
4 (Sem – 6) MBP/G 5 Contd.
4. Answer any four of the following
questions : (in about 600 words each)
10×4=40
øÚÀ•ß±Mê√ ø˚Àfl¡±ÀÚ± ‰¬±ø1Ȭ± õ∂ùü1 ά◊M√ 1 ø˘‡± – [õ∂øÓ¬ÀȬ±
600Ȭ± ˙s1 øˆ¬Ó¬1Ó¬]
(a) Describe the functions of modern
commercial banks.
’±Ò≈øÚfl¡ ¬ı±øÌøÊ√…fl¡ Œ¬ı—fl¡1 fl¡±˚«…¸˜”˝√ ¬ıÌ«Ú± fl¡1±º

(b) ‘‘A comparison between branch

banking and unit banking is essentially
a comparison between a large-scale
operation and a small-scale operation’’.
Discuss.
ëë˙±‡± Œ¬ı—øfl¡— ’±1n∏ Œ·±È¬ Œ¬ı—øfl¡—1 ˜±Ê√Ó¬ Ó≈¬˘Ú±
õ∂Ò±ÚÕfl¡ ¬ı‘˝√ »-¬Ûø1¸11 fl¡±˚«… ’±1n∏ é≈¬^-¬Ûø1¸11
fl¡±˚«…1 ˜±Ê√Ó¬ Ó≈¬˘Ú±ííº ’±À˘±‰¬Ú± fl¡1±º

(c) Discuss the sources from which a

bank receives funds and also the
ways in which it employs funds.
¤È¬± Œ¬ı—Àfl¡ øfl¡ øfl¡ ά◊»¸1 ¬Û1± ¬Û”“øÊ√ ¸—¢∂˝√ fl¡À1 ’±1n∏
˘·ÀÓ¬ øfl¡ øfl¡ ø√˙Ó¬ ¬Û”“øÊ√ øÚÀ˚˛±· fl¡À1 ’±À˘±‰¬Ú±
fl¡1±º
4 (Sem – 6) MBP/G 6
 (d) Prepare a balance sheet of a Bank
with imaginary figures.
fl¡±äøÚfl¡ ¸—‡…±1 Δ¸ÀÓ¬ ¤È¬± Œ¬ı—Àfl¡1 ¤‡Ú ά◊¡Z‘M√ ¬ÛS
õ∂dÓ¬ fl¡1±º
(e) Is a banker obliged to maintain the
secrecy of his customer’s account ?
Under what circumstances can a
banker disclose the information of
customer’s account ? Discuss.
¢∂±˝√√fl¡1 ø˝√√‰¬±¬Û1 Œ·±¬ÛÚœ˚˛Ó¬± 1鬱 fl¡1±1 ¬ı±À¬ı ¤È¬±
Œ¬ı—fl¡ ¬ı±Ò… ŒÚ∑ øfl¡ øfl¡ ¬Ûø1ø¶öøÓ¬1 ’ÒœÚÓ¬ ¤È¬±
Œ¬ı—Àfl¡ ¢∂±˝√√fl¡1 ø˝√√‰¬±¬Û1 Ó¬Ô… õ∂fl¡±˙ fl¡ø1¬ı ¬Û±À1∑
’±À˘±‰¬Ú± fl¡1±º
(f) A well-established company of your
area approaches you for the purpose
of opening an account. What steps
will you take as a banker in this
regard ? Discuss.
ŒÓ¬±˜±1 ’=˘1 ¤È¬± ¸≈-õ∂øÓ¬øá¬Ó¬ Œfl¡±•Û±ÚœÀ˚˛ ¤È¬±
ø˝√√‰¬±¬Û ‡≈ø˘¬ı1 ¬ı±À¬ı ŒÓ¬±˜±1 ›‰¬1Õ˘ ’±ø˝√√˘º ¤˝◊√
ø¬ı¯∏˚˛Ó¬ ¤Ê√Ú Œ¬ı—fl¡±1 ø˝√√‰¬±À¬ı Ó≈¬ø˜ øfl¡ øfl¡ ¬Û√À鬬Û
¢∂˝√ Ì fl¡ø1¬ı±∑ ’±À˘±‰¬Ú± fl¡1±º

——————

4 (Sem – 6) MBP/G 7 500