woo‘ngauljuo"MmMayy/:sdny No. of Printed Pages : 16 GN-542 {HIN https://www.onlinebu.com ‘Question Booklet Serial Number V Semester B.A./B.Sc./B.C.A./B.Sc.(FAD) Examination, Version Code December - 2019 SOFT SKILLS (NON-CORE) B Banking and Finance (CBCS) (F+R) (2016-17 & Onwards) Time : 3 Hours Max. Marks : 70 1 INSTRUCTIONS TO CANDIDATES Immediately after the commencement of the Examination, you should check that this Booklet does not have any unprinted or torn or missing pages or items, etc. If any of the above defects is found, get it replaced by a Complete Question Booklet of the available series. Write clearly the Question Booklet Version Code A, B, C, D or E in the appropriate space provided for the purpose, in the OMR Answer Sheet. Enter the name of the Subject, Reg. No., Question Booklet version code and affix Signature on the OMR Sheet. As the answer sheets are designed to suit the Optical Mark Reader (O.M.R.) system, special care should be taken to fill those items accurately. This Question Booklet contains 55 questions, Part - A contains 40 questions of one mark each. Part - B contains 15 questions of two marks each. All questions must be attempted. Each question contains four answers, among them one correct answer should be selected and shade the corresponding option in the OMR Sheet. All the answers should be marked only on the OMR sheet provided and only with a black or blue ink ball point pen. If more than one circle is shaded/wrongly shaded/half shaded for a given question no marks will be awarded. Questions are in both English and Kannada. If any confusion arises in the Kannada version, please refer to the English version of the questions. Immediately after the final bell indicating the closure of the examination, stop ‘making any further markings in the OMR Answer Sheet. Be seated till the OMR Answer Sheet is collected. After handing over the OMR Answer Sheet to the Invigilator you may leave the examination hall. PabOs : teadare dal,a walgoin ve Gud aoweridg aOrgg’. https://www.onlinebu.com too ngompuo-mmay/-sdiiywoo 'ngauljuo"- MMa//:sdny 2. 5. https://www.onlinebu.com ri 3 GN-542 wen — 9 / PART-A 2eR BE rvah, gor. gFokeoc wEA womb vos. 40x1=40 Answer alll questions. Each question carries one mark. OTF bowiatsha oeenaodRoh” at, AP, ozb, Sete 7 (a) 5 0g ) 100% () 150g (a) 2008 Under the Banking Ombudsman Scheme the value of claim should not exceed. (a) 5 lakhs (>) 10 lakhs (ce) 15 lakhs (4) 20 lakhs wmQandod resdd dxsh, aeasleeea, Puaxsierecbed agoters mgg. (a) xox (b) | mexseg, (0) mexBod sigs (4) eds OvRe Itisa obligation of a banker to honour the cheques of the customer drawn against current account. (a) Mutual (b) Statutory (c) Unstatutory {d) All of the above 808 Egoboss doch ANF Es mors, omOmaANC. (a) Bes mere (b) RObFaSriorDss sane (c) 83, men’ (d) modFasréexd wane Securitisation is a process of acquiring the loans classified as : (a) Book debts (b) Performing assets (c) Bad debts (4) Non performing assets 1949.0 egoson® Akos moked gawd menY awa, soberied : (a) Stich matariea, agsomajad (bd) BE AbGRORITIs [c) mod odds xamenoried —(d)-_ seDs OLR The main functions of banks as per 1949 Banking Regulation Act : (a) Accepting cash payments —(b)_ Credit reforms (c) Post loan happenings (d) All of the above mob mds sede chew mor. (a) PNB (b) RBI () SBI (4) UcO is India’s first original bank. (a) PNB (b) RBI (©) SBI (4) Uco P.T.O. https://www.onlinebu.com too ngompuo-mmay/-sdiiywoo 'ngauljuo"- MMa//:sdny https://www.onlinebu.com on-s42 ‘ (NLU 6. EEFC ods : (a) RAsodNeemdS added sdQ, awd (b) RBI SOR wsbabrede Beodts sd {c) RBIRe0mr dayetics Boots ad (d) sheds odnaicie vy EEFC is : (a) Exchange Earners Foreign Currency Account (b) Importers Account with RBI (c) Exporters Account with RBI (4) None of the above woth Gempas aeckis shed xt seecbalsiod : (a) gedSeoh Oxatr eats ristdeor (b) mobroar, sexx xemoved (c) qROsd TERS =o3 (4) Brewers soy One rupee note bears the signature of : {a) Governor, RBI (b) Secretary, Ministry of Finance (c) Prime Minister of India (4) Finance Minister TRAE Bev eaBoor cmeagomdd 2 (a) Barger (b) seero (c) (d) oiede sy Who is primarily responsible for promisory notes ? (a) Holder (b) Marker (c) Drawee {d) None eaands) egobaerbajeh : (a) 80 xoebried (b) pears (c) x8 more (4) worth 3, Hypothecation is applicable in the case of : (a) Movable goods (b) Immovable property (c) Book debts (4) Corporate guarantee https://www.onlinebu.com too ngompuo-mmay/-sdiiywoo 'ngauljuo"- MMa//:sdny (MON 10. 11. 12. 13. https://www.onlinebu.com HI 5 GN-542 RBFeAE AAENY DY, soy mw wrsdadY mod shes AOS cid. (a) CRR (by) mR0m ad (co) 0Q od (d) Seve oo ‘The rate fixed by central bank for short term loan against public securities. (a) CRR (b) Bank rate (c)_ Interest rate (d) Repo rate MBN AMFO GaENv me aed vaHecdierd BosNvE mom Baad saobaca, : (a) moneaé (b) SLR Beaé {co} SLREates oad (4) ANBC Investment of banks in Government securities and other approved securities is categorized as (a) Lending (b) SLR investment (c} Non-SLR investment (4) ANBC RUSOd Oxi Eads ERE nase otc 2 (a) nedtest alee (b) ae. UznoRatt ont (c) a. Bao ces (d) taper Who is the present governor of RBI ? (a) Urjit Patel (b) Dr. Raghuram Rajan (c) Dr. Shaktikanta Das (4) Bimal Jalan ATM Sood cine Aeciridah, remee adobwadoend 2 {a} anich mnaé (b) madat, Supors (c) AGEFOS Msohg Bre Weomae (a) sheds O_Re What are the facilities available to customers through ATM ? (a) Cash deposit (b) Balance enquiry (c) Withdrawal of predetermined limit (d) All of the above P.T.O. https://www.onlinebu.com too ngompuo-mmay/-sdiiyhttps://www.onlinebu.com GN-542 6 14, somos dom mes QdodAGA we{m Svod move (a) 500g (b) 100 eg (c) 1000 og td Loans to software industry upto a limit of Rs. are classified as priority sector advances. (a) 50 lakhs (b) 100lakhs — (c) 1000 lakhs (d)_ 500 lakhs 18. a2 meses wodirah, aasRd Noreg were moda, SoA, & BRoOTesew. (a) mate weeste (o) sae" mate (c) Feoneny saet mete (4) dae mate A customer is required to maintain adequate balance in his/her accounts in order to use his card in the merchant establishments. =z (a) Smart card (b) Credit Card 2% (c) Add-on credit card (4) Debit card 2 3 16. dieneiocd VC ris aionex Node adap cord eugene. 8 (a) Oe8e8 mosdriee (b) sexn eRoeeried (oc) Dees, emgoedried (d) amAAe ve Offshore VCs are promoted by and financial institutions. (a) Foreign banks (b) Private banks (c) State banks (d) None of these 17. max wowed xovyles matmaae asgrwoadadions : (a) soys-ked adge Done (b) 293 smenmno8 (co) Resherdextat (2) agaigd aad Venture capital firms are usually organized as : (a) Closed-end mutual funds (b) Limited partnerships {c) Corporations (d) Non profit business https://www.onlinebu.com too ngompuo-mmay/-sdiiyhttps://www.onlinebu.com IN A 7 en-542 18. 19. 20. 21. 22. ROSEY ede seen wemmziveh, debried smabstaich odeed 2 (a) gaddeod Oxatr eROe (b) srowexs sbozQVat (c) meddeod zeus enor (2) amaoe vy Who is authorized to issue coins in India ? (a) RBI (b) Ministry of Finance (©) SBI (d) None of these ageas urixt 20190 RORY QOeds Fos, MOA oad, Mairade Sood mowriedes 9 (a) 12 ) 19 (ce) 20 (4) 14 With the recent merger of banks in August 2019, how many public sector banks will be there in India ? (a) 12 (b) 19 (c) 20 (@) 14 & SeAaANYY cima mdsdg says Booby 7 (a) cages mowried (b) maeeds Meader eROBrie (c) xame mowed (d) estries adap deoecdearedch Which of the following is not an organized sector in India ? (a) Nationalised banks (b) Regional Rural banks (c) Cooperative banks (d) Chits and Money lenders Lord Was SabeOs Oxv08 12/05/19. wd ANOS Oavoe. (a) 12/08/19 (b) 14/09/19 () 12/11/19 {d) smade vg A cheque is dated 12/05/19. The due date is : (a) 12/08/19 (o) 14/09/19 (e) 12/11/19 (4) None of these aaneg cima qodsdg mairwad Hoobs mow vy 2? (a) Sox, m2,08° (db) Bader mow {c)_IDBI eyoe (d) duct ages Which of the following is not a public sector bank in India ? (a) Andhra Bank (b) Federal Bank (c) IDBI Bank (4) Vijaya Bank P.T.O. https://www.onlinebu.com too ngompuo-mmay/-sdiiyGN-542 8 \ 23. 24, 25. https://www.onlinebu.com Bsus UMA 20195 Hoss Dmvd, rcases mow ona myctiowd DOeaROYSS 9 (a) medardesiar 22,08 (b) 8800 R08) (c) dwotve ee0% (d) ¥og mao With which bank will Syndicate Bank merge according to the recent August 2019 merger ? (a) Corporation Bank {b) Canara Bank (c) Vijaya Bank (4) Andhra Bank tach emmod anniek teas vy watered mors (a) arith mO (b) agar me (c) Ov soos (d) dae get me Loans of very small amount given to Low Income Groups is called (a) Cash Credit (b) Micro Credit (c) Simple overdraft (a) No frills loan cima oO Oct. 1, 2004 doch maokarcish vorld sistmadaias, madomas. (a) IDBI (b) NABARD () SBI (4) HDFC Which bank started its business as a banking company from Oct. 1, 2004 ? (a) IDBI (b) NABARD () SBI (d@) HDFC . wow Aue /365 OsnY emdd shed aaNv_ nosy, Heoswar Sqaeenrbys : (a) 88 wr (b) Xess wre (c) weRaQ wre (4) GOLOmors gagnw Interest is calculated on actual/365 days basis in respect of the following products except one : (a) Call Money (b) Notice Money (c) Term Money (4) GOI dated securities https://www.onlinebu.com too ngompuo-mmay/-sdiiy27. 28. 29. 30. 31. https://www.onlinebu.com 9 GN-542 mR 08S THBIT worbkevsnivah, aagramwsac occ ? (a) gRdscob OXaE eROE (b) gRSeo Fee" mow (c) APeob aapinvodrish (a) batuataber Who will settle the grievances of customers of banks ? (a) Reserve Bank of India (b) State Bank of India (c) Local courts (a) Ombudsman 2002 3Q KYC dow wossad, ced Adersas shedA wok soeacdos ? (a) SEBI (b) RBI (c) IBA (d) IRDA KYC norms were implemented in 2002 as per the directive of : (a) SEBI (b) RBI (c) BA (4) | IRDA mosead oxinfr mow Ses strona, aw|dd, swede, myowrv arch SoewoS abes Dab sOrabERroES 7 htips://www.onlinebu.com (a) 20g (b) 308 (oc) Apawncdsss (a) 208 em 208 What will be the impact on the cash reserves of commercial banks if RBI conducts a sale of securities ? (a) Increase (>) Decrease (c) Remain Constant (d) Increase or Decrease gRUkeah OXF aNOss mOH Mo Adem Sasciould Zo, adie Henadesarted % apt meds, xedodedee, (a) 5 (b) 10 {c) 15 (@ 1 ‘As per RBI benchmark allocation of bank credit, women beneficiaries should receive at least % of bank credit. (a) 5 (b) 10 (c) 15 (1 DAP. ob ‘aA OAa, TIHATS 2 (a) ommend (b) oe, () AS4, (4) shew What does the letter $ denote in the term IFSC ? (a) Subscriber (b)_ State (c} System (a) Source P.T.O. https://www.onlinebu.com wos ngouruo Mm M//:sdyhttps://www.onlinebu.com GN-542 10 32. CRD soenmd : (a) Sey (b) anc {c) womaed (d) Seagsed CRD is: (a) Expenditure (b) Cash (c) Capital {d) Accounting 33. mBxaedisd wowsrv ASodm, Bdolos yw gos mhowndod : (a) Sommpot sosos (b) Ariseodedeer, (oc) Foiago" odozOs {d) aeOs odnain vy The largest group receiving venture capital funding is : {a) Computer software (b) Medical/health care (c) Computer hardware (4) None of the above (a) 15 084s (bo) 3008rs (ce) 10 089s (d) 7080 Minimum period of a certificate of deposit is : = q S84. Sra gators sigs Ha OSD : = z g (a) 15 days (b) 30 days {c) 10 days (4) 7 days 35. waded mo msi abdensts moadyraim, myowrivd Bt 8008 oles eabmesreod Areroemgs 9 (a) moO age sadeRs (b) eoso8 enges do (c) dae Bhs aR, (4) me xeaw mag, waders Repayment capacity in case of term loan proposals is judged by the banks with which of the following ratios ? (a) debt-equity ratio (b) Internal rate of return (c) net present value (d) debt service coverage ratio 36. YdOHe Bosse WITT epaQn ens mencdsrd : (a) dees nowsey (b) mado nowmey |, (©) ddedde AO3N weowerd (a) cmatte ve is needed for developing a product in initial stages. (a) Seed capital (b) Start up capital (c) Second round financing (d) None of these https://www.onlinebu.com too ngompuo-mmay/-sdiiyhttps://www.onlinebu.com DAHA n on-saz 37, moaned Basda) zig Hobos Oma. (a) sosnrmgys (b) meg (c) adhe {d) eds odmade ve Rationing of credit is a method of credit control. (a) Quantitative (b) Qualitative {c) Both (4) None of the above 38. 39. seo mobddaay, Byp, aso aaride, RadAAGS, Bod Worwsd : (a) moc, sys sezecd (b) mod dys sys (co) mod dypg ose noes ay (4) mod By8q mod deatna Zonodag If the bank rate is increased and all other things being equal, it will result in: (a) A decline in the cost of credit (b) An increase in the cost of credit (c) No change in the cost of credit (4) Cost of credit has no relationship with demand for borrowing ‘eROv” OS BAYS corm : (a) webra’ Wo Back’ {b) atmOoda’ Bd ‘Banco’ (c) Bancus eam Banque BON (d) sheds ovse ‘The word bank is derived from : (a) German Word ‘Back’ (b) Italian Word ‘Banco’ (c) Words Bancus or Banque (d) All of the above . OFT" shay Mass mBios sowoway (a) xox (b) ¢ovds lc) Sogs (a) sheOs otmaoe vg The primary relationship between banker and customer is a____ relationship. (a) Mutual (b) Contractual (c) Personal (a) None of the above P.T.O. https://www.onlinebu.com too ngompuo-mmay/-sdiiywoo 'ngauljuo"- MMa//:sdny GN-542 12 41. 42. 43. https://www.onlinebu.com gent - 8/PART -B aug BBs, MOA, TEokeord wt ace voened. 18x2=30 Answer all questions. Each question carries two marks. cies SoMaY Tavs) Fmd Sewm emo mo eysee varie RBI wahoo Deer 45 (S) eBobO Sesied agsoxen wahads sodyed : (a) -mwarmasood (b) Xowom¥oos mon casdg, (c) Bgtesoors (d) sheds age Companies whose main business is not financing or lending are permitted to accept deposits under section 45(S) of RBI Act only from : (a) Public (b) Relatives in the form of loans (c) Friends (a) All of the above Brmrds werakos aovs : (a) Browexd Xeciriwars maaIriee, Seeded, evemad, mo aw Qadabad, gfenddss Segsd eaosort awaits signet Decbajcd () gfinds Syn wasdsa, Lona (c) Sxdobsh, NeddaOn Eftows segs ans deadsjed (@) vamdstah, dectisOr Erteows Seg ved Aechacd Financial inclusion means provision of (a) Financial services namely payments, remittances, savings, loans and insurance at affordable cost to persons not yet covered under banking (b) Ration at affordable cost to persons not yet given the same (c) House at affordable cost to persons not yet given the same (4) Food at affordable cost to persons not yet given the same dake eugeizive she dake mONTivah, OWTIed mesiar dey neloterieen asowaia, adond sosndess 9 (a) sizes, Os (db) desseso Det {e) mF SDoT, {d) Ome emo8ort Distribution of insurance products and insurance policies by banks as corporate agents is known as (a) General Insurance (b) Non life insurance (c) Bank assurance (a) Insurance banking https://www.onlinebu.com too ngompuo-mmay/-sdiiywoo 'ngauljuo"- MMa//:sdny 3 47. https://www.onlinebu.com 13 GN-542 BH noday POY (VCFs) wawwors : (a) ksIDC (b) TDICI () cvcF (4) SBI Write the example of VCFs of State Financial Institution. (a) ksIDC (b) TDICI (c)_ CVCF (4) SBI age OQ emBOd cond : (a) mod shed read og (b} Beasod aed reac 0 (c] Borel she aaawiny shed read ng (@) Read ane asda nA vosd Net interest income is defined as : (a) Interest earned on advances {b} Interest earned on investments (c) Total interest earned on advances and investment {d) Difference between interest earned and interest paid Ombudsman 2ow ehmbdobm, Sedomaay : (a) te0c, smerd (b) RBI (co) Dow, Bard (d) day gabe mow Ombudsman is the authority appointed by (a) Central Government (b) RBI (c) State Government (d) EXIM Bank ages sed Bogs ATM war Adeerbsc. (a) ROD ad (b) mor ans (0) Ora seated snd (d) cmaide og A person is given ATM Card, if he has account. (a) Savings Account (b) Loan Account (c)_ Term Deposit Account (4) None P.T.O. https://www.onlinebu.com too ngompuo-mmay/-sdiiywoo 'ngauljuo"- MMa//:sdny on's42 “ tM 48. 49. 50. 51. https://www.onlinebu.com eresred moe andod ngobah, Symoten sit mows wvadS UTS : (a) Sones taal ane (b) 7 Bots Song SadobAEnS sday e708 (c) 10000 Sony Bade Oats soa xed (d) Gos antod ead Interest on savings bank account is now calculated by banks on : (a) Minimum balance during month (b) Minimum balance from 7'® to last day of the month (c) Minimum balance from 10 to last day of the month (4) Daily product basis Bed cima edad Ookwets ceodbrivd 7 (a) dam, wad moze (b) Bam, Bazin mmowried (c)_ MOB aedvodo Aacenrivd (d) sodmabaed adigrive Which of the following are called deep discount bonds ? (a) Zero interest debentures (b) Zero coupon bonds (c)_ Secured premium notes (a) Callable bonds (ROSS RBIS dado Naso aww 2 (a) 6.0. soxowar (b) 3.8. sdeiges {c] 2.8, seBot (@) atte, age Who was the first governor of RBI ? (a) K.A. Narasimhan (b) VK. Malhotra {c) AK. Vadia (4) A.B.A. Smith sntde, maotrivo sak, deaiedobay, aworiairies ads, more ahaot OZOH madera): (a) nodsny oxcrs (b} me axors (c) me dobosss (a) mo Ay The ability of commercial banks to increase their deposits by expanding their loans and advances is known as : (a) Capital expansion (b) Credit expansion (c) Credit control (a) Credit Creation https://www.onlinebu.com too ngompuo-mmay/-sdiiywoo ngeuljuo MaaM//:sdny 53. 54. 55. https://www.onlinebu.com 15 GN-542 Sco HOMANY aecorivy abe mowrida, Deed mAs KaDsmdd sovyswich, oayges (a) FDI (b) BocwtrHacdoine aad (c) NRI Bead (4) ade xdacy Road The buying of shares and bonds of Indian firms by foreign institutional investors is known as : (a) FDI (b) Portfolio investment (c) NRI investment (d} Foreign indirect investment sRUsOD melar seis srt OdeduCe Beasts ads vorixodvg wy, aay BPos Sevens, semvadcb. (a) 200 (b) 150 (<) 100 (4) 75 Indian corporates can now invest in joint ventures and subsidiaries abroad to the extent of % of their net worth. (a) 200 (b) 150 {c) 100 (a) 75 SRS Soloed SAodY RBI MATAR ? (a) SORT odor woleent (b) Sptset sodmert (c]_ Roodey eodeert (d) nxags vodeen Under which commission was RBI established ? (a) Hilton Young Commission —(b)_ British Commission (c) Composite Commission. {d) Union Commission ABNvg oimaad ‘wave’ awandrivar, Nodosien emstodoe 9 (a) FEMA Ro, {b) RBI seh, (c) DICGC wok, (4) maptor® Achoss mo, Which of the following is useful in controlling HAWALA transactions ? (a) FEMA Act (b) RBI Act (ce) DICGC Act (4) Banking Regulation Act -000- P.T.O. https://www.onlinebu.com too ngompuo-mmay/-sdiiy