M.Com. DEGREE EXAMINATION, APRIL 2017
Fourth Semester
BANKING AND FINANCIAL SERVICES
(CBCS 2013 onwards)
Time 3 Hours Maximum 75 Marks
Section A 3 15)
Answer all the questions.
All questions carry equal marks.
1. What are Scheduled banks and Non-Scheduled banks?
2. What are the components of bank's balance sheet?
3. What are primary deposit and derivative deposit?
4. State any three important features of factoring services.
5. Distinguish between Debit cards and Credit cards.
Section B 10 50)
Answer all the questions, choosing either or
6. Give a detailed account of traditional services
rendered by the commercial banks.
Or
Outline the structure of Indian tanking system with
explanation.
Sub. Code
611402
RW-013
2
Sp 5
7. What do you understand by asset liability
management? Describe the need and significance of
asset liability management.
Or
Briefly explain the role of RBI in growth and
stability of Indian economy through monetary
policy.
8. What are the major types of funding for Commercial
banks? What has led to an increase in deposits of
Commercial banks since their nationalization?
Or
Give a brief account of managing customer relations
and employee relations.
9. Briefly discuss the different types of factoring
services.
Or
Enumerate the role of banking in corporate merger,
acquisition and restructuring.
10. Discuss the role and importance of micro insurance
in the economic development of our country.
Or
Explain the personal banking service such as car
loan, home loan, personal loan and personal cash
management with its advantages and limitations.
RW-013
3
Sp 5
Section C x 10 10)
Compulsory.
11. Bank Five is a Massachusetts-based financial services
institution has 13 locations and the support of the entire
South Coast of Massachusetts. They are independent and
keep current with new an; improved banking technology.
BankFive is as well-positioned for growth as any bank
can be. Despite having everything in its favour, BankFive
is predicting an astonishingly low 0.02% growth rate in
deposits over the next few years in its geographic region.
In addition, BankFive has maxed out its geographic
footprint. In order to expand beyond its current
boundaries, BankFive would have to build more
branches, which are prohibitively expensive. What can
BankFive do to bring in new customers and put the
deposit trend line back on the upswing? Recommend the
measures that not only help to build them an online-site,
but also help them to maintain high search engine
rankings, keep them optimized and help them to stake a
claim in the online-only banking world.
——————