M.B.A. DEGREE EXAMINATION, FEBRUARY 2018.
Fourth Semester
BANKING AND INSURANCE MANAGEMENT
2 90146-A
Time 3 Hours Max. Marks 70
SECTION — A
Answer all FIVE questions. 2 10 Marks)
1. Fixed deposits.
2. ATMs.
3. Mobile phone banking.
4. Under writing.
5. Retail banking.
SECTION — B
Answer All Five questions (with internal choice) 10 50 Marks)
6. Discuss Evolution of banking in India.
Or
Explain the role of RBI.
7. Explain different types of lending.
Or
Explain about NPA management.
8. Explain changing role of banks as financial intermediaries.
Or
What do you understand by Net banking? Explain its advantages and
limitations.

9. Explain various reforms of insurance industry.
Or
What is reinsurance? Explain its advantages.
10. Explain the role of IRDA.
Or
Explain various types of life insurance contracts.
SECTION — C (10 marks)
Case study (Compulsory)
11. Mr. N Submitted a proposal for Rs. 10,000 and a life Insurance policy with the date
of commencement as 28-9-1973 was issued. The premium Installments were
payable in half-yearly mode in March and September. The premium was Initially
fixed at Rs.329.10. However because of loss of teeth, the rate of premium was
increased by extra so as to make a total of Rs. 339.10, half-yearly. This was
mentioned in the policy. Subsequently, amounts of Rs.329.10 were paid to the
Insurer in respect of the installments falling due up to September1974. Each time
the insurer accepted the amounts. It was open to the insurer to have refused to
accept the payment of premium installment if It was deficient, but the amount of
Rs. 329.10 was accepted and the Insured was accommodated by allowing him time
to make the deficiency good. Mr. N expired on 8-12-1974. Can the insurer deny the
claim on the ground that In as much as the premium-paid is deficit; the Insurer is
not bound to pay the claim?
Discussion: What are the underwriting issues involved?
How and what steps can be taken to avoid such unpleasant
litigation in future.
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