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JAIIB - JUNE 2003

INDIAN FINANCIAL SYSTEM & COMMERCIAL BANKING


SECTION 1
1)

Write short notes the following (answer any three)


(a)
Asset-Liability Management in Banks
(b)
Forfeiting
(c)
Autonomy for Commercial Banks
(d)
Securitisation
(e)
Bank ombudsman Scheme

2)

State whether true or false.


4x1=4
(a)
The funding for local area banks will be made by State Government and
Central Government equally.
(b)
The Industrial Finance Corporation of India (IFCI) was the first development
bank established in India.
(c)
The life Insurance Corporation of India is the largest institutional investor in
India.
(d)
Nomination for an account can be given in favour of two persons also.

3)

Fill in the blanks (write full sentence in the answer book given to you)
5x1=5
(a)
(b)
(c)
(d)
(e)

3x2=6

Banks which have net worth not less than RS----can undertake Insurance
business with risk participation.
Liquidity Adjustment Facility have been introduced as per recommendations
of the ----committee report
In October 1999, Reserve Bank of India decided to bring Money Market
Mutual Funds within the purview of ---regulations.
The ICICI was set up in 1955 with the main objective to channelise funds to
indian Industries, provided by ---The main objective of Discount and Finance House of India LTD (DFHI) is to
facilitate the smoothening of the ---term liquidity imbalances.
SECTION II

4)

Choose the correct answer from the alternatives given under each sub-question and
write the same in the answer book given to you.
9x1=9
(a)

If a person dies intestate, the person appointed by the court to take care of the
property of deceased is called
i)
Executor
ii)
Administrator

(b)

(c)

(d)

(e)

(f)

(g)

(h)

iii)
Liquidator
iv)
Receiver
Which of the following documents require compulsory registration?
i)
Instrument of gift of immovable property
ii)
any transaction involving immovable property valued RS 100/- or
more
iii)
lease of immovable property for more than one year.
iv)
all above
A maximum loan limit for small business enterprises to be classified as
priority sector advance is--i)
RS 5 Lac.
ii)
RS 10 Lac
iii)
RS 15 Lac.
iv)
RS 20 Lac.
Which is the terminal year of Ninth Five-year plan of India?
i)
2001-2002
ii)
2002-2003
iii)
2003-2004
iv)
None of these
Financial Institutions (FLS) issuing housing loans to individuals against the
mortgage of residential housing properties are required to assign a risk weight
of (in addition to 2.5 percent risk weight for market risk)
i)
40 per cent
ii)
50 per cent
iii)
60 per cent
iv)
75 per cent
Recently a committee on the functioning of RRBs has suggested to classify
RRBs into four distinct categories and liquidation of the majority of category
D; The committee was headed by--i)
Dr. M.C. Bhandari
ii)
Shri Y.C. Nanda
iii)
Shri M.V.S.Chalapati Rao
iv)
None of these
Cross selling in retail banking means---i)
Selling product / services to an already existing customer or a noncompetitive product of insurance /housing company for a commission.
ii)
Selling of products of other private sector banks by public sector banks
iii)
Selling of mutual funds of their associate /subsidiary concern
iv)
Selling of products through agents /dealers.
Non-scheduled urban Co-operative Banks with NDTL of less than RS 25
crore, have been asked by RBI to maintain --- per cent of SLR requirement in
G-secs.
i)
20 per cent
ii)
30 per cent
iii)
10 per cent
iv)
None of these.

(i)

5)

The Indian Banks Association (IBA) has recently suggested that loan
applications in respect of loans upto RS 25,000/- to small borrowers should be
disposed of
i)
Within one month
ii)
Within two weeks
iii)
Within one weeks
iv)
Within 15 days
Explain the underlying rationale for the following practice /produre being followed
by banks in India (mention the legal position, where applicable)
8x2=16
(a)
Bankers duty to maintain secrecy does not cease even after customer closes
his account.
(b)
The bankers right of lien is not barred by law of limitation
(c)
Garnishee order in the name of a firm will apply to individual accounts of
partners also.
(d)
When a person is declared as insolvent, operations in his account should be
stopped immediately.
(e)
Banks do not insist on registration of partnership firm while granting an
advance.
(f)
Signature of executant on loan documents other than mortgage deed should
not be attested.
(g)
Banks prefer to sanction bills purchase /discounting limits than cash credit
/overdraft limits.
(h)
Banks do not accept whole life policies as security.
SECTION III
Explain your course of action in the following situations You may give reasons for
your answer and also quote relevant sections of law, if any applicable.
6x5=30
(a)

(b)

(c)

You have opened a saving Bank Account, jointly in the name of Mr. And Mrs.
C.P.Jariwala, with instructions to pay to either or survivor. The account
shows a credit balance of RS 15,100 / on 7-4-2003. On the next day, you
receive letter from MR.Jariwala not to allow operations in the account by Mrs.
Jariwala as the court has passed a decree of divorce. He further instructs you
to pay every month RS 300/- to the court as alimony for Mrs. Jariwala.
A cheque has been issued by a director of the A B &CO Ltd. The said cheque
was returned by the bank with the endorsement payment stopped by the
drawer.The payee issued notice to the director under N.I. Act calling upon
him to pay the amount of the cheque within 15 days of the receipt of notice
failing which he will be prosecuted as per section 138 of N.I.Act. The director
challenged the prosecution on the plea that the notice issued to him was in the
individual capacity and not having been issued to the drawer of the cheque.
The owners of a plot of land took a loan from a Bank with the condition that
they would let out the entire first and second floor to the financing bank for
running a branch thereat. The owners failed to complete construction and
deliver possession to the Bank by the stipulated time. In the meantime, they

(d)

(e)

(f)

7)

came to know that the premises agreed to be let out to the bank, could be used
only for residential purposes and not for commercial purposes as per
provisions of some local Act. As the owners failed to get permission from the
authorities for commercial use of the property in spite the banks request; the
bank recalled the loan with interest. The owners have challenged the recalling
notice in a court of law.
A bank Guarantee was issued at the request of one respectable and valued
client of your branch in favour of one Govt. company. One day, the said
customer came to know that the Govt. Company was planning in invokethe
Bank Guarantee. He failed a suit in the court of law for staying the invoking
of guarantee on the plea that there were serious and genuine disputes
regarding accounts between them. He further stated that if the company is
permitted to encash the Bank Guarantee. It would result in heavy loss to him
that cannot be compensated in terms of money. The Govt. Company has
challenged the plea of the customer in the court and demanded the guaranteed
money from the Bank.
A suit was instituted by one Bank for recovery of an amount of RS. 11 lac
together with interest at 17 % per annum with quarterly rests and debited to
the a/c on monthly basis. The lower court decided that compounding of
interest was not justified and decreed the suit at the rate of 14 % simple
interest treating the agreed rate of interest as exorbitant. Should the Bank
prefer an appeal against the decision of the lower court and if so on what
grounds?
Two cheques were issued by a customer dated the 9th April 1995 and 30th April
1995, for a sum totaling Rs.4 lac.The cheques were presented for payment on
15th May 1995, but were dishonoured. In Jan.1996, the drawer of the cheque
changed the date of the cheques from 1995 to 1996 at the request of the payee
and advised him to present the cheques after a period of 3 months. The
cheques were again presented on 18th July 1996 and were dishonoured. A legal
notice dated the 8th Aug.1996 was served upon the drawer who pleaded that he
had been forced to change the dates against his will. Moreover, a cheque
which has become stale because of the expiry of the stipulated period could
not be made valid by alteration of dates.

Answer any three of the following


3x10=30
(a)
Describe briefly the functions of the following institutions explaining how
they help in the economic development of the country;i)
National Bank for Agriculture and Rural Development
ii)
National Housing Bank.
(b)
Discuss in detail the provisions of Section 42 of the Reserve Bank of India Act
in regard to Statutory Reserve.
(c)
What procedure and precautions should a Banker observe in opening and
handling the following types of accounts?
i)
Clubs, societies, and charitable institutions.
ii)
Limited Companies

(d)
(e)

What is Hypothecation? Explain the relative right of unpaid seller and the
hypothecatee.
Discuss the issues and challenges being faced by the Indian Financial system.
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JAIIB JUNE 2003


BUSINESS COMMUNICATION AND CUSTOMER RELATIONS
SECTION I
1.

Say whether the following statements are true or false and give the reason for your
answer in not more than two sentences. (8)
(a)
In a letter in which the complimentary close and signature are at the left
margin, the date may be on the right.
(b)
If a customer writes an angry complaint the reply should be written in a legal
style in order to protect the banks position.

The chairperson of a committee meeting must be able to get every participant


to agree with his/her point of view.
(d)
The Quality Circle movement in a bank, by itself cannot bring about
improvement in the banks customer service.

2.

Complete the following sentences using not more than 15 word for each.
(8)
(a)
When your market share is increased your---- is enlarged.
(b)
The Banking Ombudsman is empowered to receive complaints relating to----(c)
Interpersonal communication is -----(d)
Five characteristics of effective feedback are------SECTION II

3.

Answer any two of the following in about 75 word each. (10)


(a)
Distinguish between product and service in banking.
(b)
Briefly explain how a letter demanding payment of dues can be made
courteous.
(c)
Explain how the ending sentence of a letter can be made effective.
(d)
Write a brief note on the use of postscript in modern correspondence.

4.

Rewrite the following sentences to make them courteous and customer-oriented. (The
Revised Version should not be a complete letter)
(6)
(a)
We are constrained to believe that you are a wilful defaulter you are fully
aware that, according to the new law, we can seize your assets to recover our
loan amount. Yet you have not bothered to repay the loan.
(b)
We are proud to say that our branch has been very successful in getting
customers in this area. We are now starting some new services that will help
us to get more customers.
Write not more than seven lines on any two of the following. (8)
(a)
How would you use your listening skill in dealing with a loudly critical
customer?

5.

(b)
(c)
(d)

How will you use a positive approach when you have to refuse a customers
request for a loan?
If you are conducting a quality Circle meeting of your branch and two
members get into a hot argument, what will you do to deal with the situation?
In what way does feedback from customers help a banker?
SECTION III

6.

(a)
Write a one of the following letters, keeping in mind the importance of
good relations. Full layout (in any form of your choice) is required.
(8)

(i)

A customer has issued a cheque in excess of his credit balance in spite of two
warnings. Write a firm but polite letter to the customer pointing out that
bouncing of cheques attracts strong punishments according to the law, and that
he should be careful in his own interest.
You had taken earned leave in order to visit your aged father in your
hometown. You could not return in time, nor could you inform the office of
the delay. On account of floods and general breakdown of communications in
your hometown. On resuming duty five days late. You are told that you will be
denied leave travel benefits as penalty for the delay in resuming. Draft a latter
to be sent to the Head Office, explaining your case and requesting that no
penalty should be imposed.
Draft one of the following letters with full layout in any form of your choice,
keeping in mind the principles of internal communication.
(8)
The head office has asked a branch manager to explain why the business of
the branch has been falling in the last six months. As branch manager, draft a
reply explaining the problems and the cause of the decline in business.
The manager of the branch has recommended the granting of a loan of a large
amount, to a long-standing customer of the branch, in spite of a slight shortfall
in the collateral security offered. Draft the Head office letter to the branch
manager permitted the loan as a special case, but advising that steps must be
taken to prevent this from becoming a precedent.

(ii)

(b)
(i)
(ii)

7.

Draft one of the following reports using appropriate format; (14)


(i)
The poor appearance of your branch office has been a serious drawback in
your marketing effort, especially because a new bank with an attractive office
has come up in the neighborhood. As manager of the branch, prepare a report
on the situation and present a proposal and a budget for renovation of the
branch office.
(ii)
The Zonal manager has appointed a committee of five branch managers to
examine the possibility of attracting pensioners and senior citizens to the
banks saving and investment schemes Draft the committees report
recommending a suitable plan.

SECTION IV
8.

(a)
How would you use visual aids while making an oral presentation to a rural
audience of farmers? (10)
OR
(b)

9.

10.

What is you attitude? How would you use you attitude in dealing with a
customer
who
has
defaulted
in
repaying
his
loan?
(10)
(a)
Explain how you would prepare we a customer database of your branch. How
would you use the database in marketing? (10)
OR
(b)
Why does a bank branch manager need to study the business environment?
What factors would you take in to account to study the business environment
of your
Branch. (10)
(a)
What is upward communication in a banking organization? Why is it
necessary for the effective functioning of the bank? (10)
OR
(b)
What qualities and abilities do you need to be an effective participant in-group
communication?
(10)
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JAIIB JUNE 2003


SPECIAL & PREFERRED SECTOR FINANCE
SECTION I
1.

(a)

Define any four of the following terms:

(6)

i)

Social development Index in India.

ii)

Forfeiting in Export Credit in India

iii)

Drought: IMD Definition

iv)

District Rural Industries Project

v)

Backward and Forward Linkages in Agriculture Development.

vi)

Credit Cycle

(b)

Fill in the blanks with appropriate terms/phrases (any six)

i)

In the financial analysis of Indian banking the statutory costs are included in
________ costs.

ii)

In India the issue prices of foodgrains sold through the PDS are generally
________ than the procurement prices.

iii)

In India the standard policy issued by ECGC to the exporters is also known as
________ policy.

iv)

As on 31st March 2002, the advances to weaker sections made by one private
sector indigenous Commercial Bank in India stood at rupees 1500 crore and
the banking authorities were satisfied with the performance. The maximum
NBC of the Bank for the year should have been rupees ________ crore.

v)

In the purpose-wise disbursement of total investment refinance by NABARD


during 2000-01 the largest amount was given for _______ .

vi)

As per the cost concepts used in Farm Management studies in IndiaCost A2 is


arrived at by adding __________ to Cost A1.

vii)

In India LBR2 in SAMIS is used for submitting information on _______ .

(3)

viii)
c)

Under Exchange Control Rules in India, any body possessing ________


Number is recognized as an exporter.

State whether the following statements are TRUE or FALSE and give a brief
justification for your answer (Any four) --(6)
i)

In India the minimum support prices fixed for sugarcane are not in the form of
procurement prices.

ii)

In India all the software exports have to be declared in SOFTEX FORM.

iii)

It is not obligatory for all the banks operating in India to participate in the DRI
scheme.

iv)

Percentage share of public sector in Gross Capital Formation in Indian


agriculture from 1960-61 onwards has always been more than that of private
sector.

v)

DWCUA is just another name of DWACRA in India

vi)

In the asset classification followed by Indian banking sector, the assets


classified as standard also are not totally risk free.
SECTION II

2.

a)

Choose one of the four options in the following questions which you
consider correct and substantiate your choice by giving relevant facts/ figures
(Any five).
(10)
i)

Which one of the policies sold by the ECGC does NOT cover the
commercial risk held by the policyholder
A)Overseas Investment Insurance
C) Transfer Guarantee

ii)

B)Construction Policy
D) All these

A farmer with an operational holding of 10 acres grows bajra on 4


acres, green gram on 2 acres, maize on 3 acres and ladys finger on 1
acre in kharif. During rabi season he grows wheat on 3 acres, mustard
on 3 acres and tomato on 2 acres. What is the cropping intesity on his
farm during the year?
A) 100%

B) 200%

C) 180%

D) None of these

iii)

iv)

In the audit and inspection report of one Primary Co-operative Bank in


Gujarat in 1995, not a single adverse remark was made regarding its
agricultural lending. What could be the plausible reason for this?
A) The Bank had exceeded the targets of agricultural finance
B) There was no NPA in agricultural credit
C) Both A and B
D) None of these
In respect of which one of the following credit institutions the indirect
agricultural finance constitutes a larger percentage of its total lending
as compared with each one of the remaining institutions given in the
list?
A) LAMP
D) RRB

v)

B) DCCB

C) Private Sector Commercial Bank

For which one of the following programmes the Government of India


Provides 100 percent grant for its implementation?
A) Drought Prone Area Programme B)Desert
Development
Programme C) Integrated wasteland Development Programme
D)All these

vi)

Which one of the following crops has been covered by RKBY from
the first year of its operation in India?
A) Orange

vii)

B) Onion

C) Tomato

D) All these

The disbursal of money under the Buyers Credit Scheme of EXIM


BANK of India is made:
A) Directly to the importer of goods
B) Only through the EXIM Bank or Central Bank of the Importers
country
C) Partly directly to the importer and partly through his EXIM or
Central Bank
D) None of these

viii)

One Commercial Bank in India gave Rs.600 crore to its RRBs by way
of refinance during a particular year. How much of this amount would
be treated as advances to weaker section in the books of the sponsor
Commercial bank?
A)Rs.240 crore
D) Rs.90 crore

B) Rs.600 crore

C) Rs.300 crore

b)

Briefly explain the following topics in about ten lines each. (Any six) (15)
i)

CAMELS Approach to Co-operative Banks

ii)

Golden Jubilee Rural Housing Refinance Scheme

iii)

Special funds established at the Apex Bank level for the credit other
than short term : Genesis, past and present status

iv)

Modifications introduced in the methodology of cost and price


calculations in the nineties in India?

v)

Transfer function of banks in foreign trade

vi)

Primary beneficiaries of indirect bank finance to SSI in India

vii)

Changing nature of Indias Export Trade

viii)

National Social Assistance Programme in India

ix)

Irrigation scenario of India: Potential, coverage, sources and


qualitative changes
SECTION III

Write short notes on any five of the following topics:

(30)

i)

FEMA of India ; Background, purpose and approach

ii)

Seven Lessons of Poverty Alleviation Programmes in India

iii)

National Agricultural Insurance Scheme of India

iv)

RIDF in India; Background, purpose, coverage and functioning

v)

Marginal efficiency of capital in Agriculture; Meaning, relevance and


empirical behaviour in India

vi)

Derivative Products in International Markets

vii)

Eligibility criteria for Farm Loans: General Guidelines

viii)

Distinct features of SGSY with particular reference to selection of participants


and activities, Programme approach, bankers approach, Incentives for
repayment and recovery, doses of credit and the role of NGO.
SECTION IV

4.

Answer any two of the following:

(30)

i)

Briefly indicate the national priorities which contributed to the evolution of


Agriculture Policies in India and highlight the focus and principal dimensions
of the Latest National Agriculture Policy adopted in India.

ii)

What is an export trade and how does it differ from the domestic trade?
Indicate different types of exports along with their meaning and the basis for
classification adopted in India.

iii)

What are the primary lending institutions operating in rural financial system?
Briefly highlight their principal characteristics with reference to the ownership
patter, location, sources of funds, purpose and tenure of loans and target
groups. What are the common issues concerning these institutions in playing
their role in rural credit system?
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JAIIB JUNE 2003


BASIC ACCOUNTANCY

SECTION I
1.

Define any five of the following terms:


(15)

a)
d)
g)

Real Accounts
Networth
Quasi Partner

b)
e)
h)

Accounting Standards c)
Sinking Fund
f)
Forfeiture of Shares

Error of Commission
Intangible Assets

SECTION II
2.

Fill in the blanks:


(10)
i)
ii)
iii)
iv)
v)
vi)
vii)
viii)
ix)
x)

3.

Accounting Standard 10 relates to _____________ .


Typewriter is a________________ Account.
Cheque deposited by the trader and cleared by the bank appear on the
_________ side of the pass book.
No interest is paid on the balances lying in the _________ A/c.
When the transaction is completely omitted from the records, it is called
as________ .
Royalty on production is debited to ________ A/c.
Accrued income is shown on _________ side of the Balance Sheet.
If asset is appreciated, Revaluation A/c is _________ .
Carriage Inward is debited to ____________ A/c.
The ownership of goods passes to buyer immediately in _________ System.

Prepare a Bank Reconciliation statement as on 31st January, 2003 from the following
information:
(15)
a)

Overdraft as per cash book Rs.2,500/-

b)

Cheques deposited into the bank but not realized Rs.1,000/-

c)

Cheques issued but not presented for payment Rs.2,000/-

d)

A bill receivable of Rs.1,000/- which was discounted with the bank, was
dishonoured on 29th January,2003. The intimation is not received upto 31st
January,2003.

e)

The bank pass book shows a debit of Rs.300/- for insurance premium paid and
credit of Rs.200/- for interest collected on investment.

f)

Our customer Shri Anil deposited Rs.1,500/- directly into our account.

g)

Interest on overdraft Rs.170/- and bank charges Rs.30/- were debited in the
pass book but not recorded in the cash book.

SECTION III
4.

a)

What is holder in due course?

(3)

b)

Ashok purchased goods from Basnt worth Rs.7,000/- on first May.


(12)
On the same day, Ahsok accepted the bill for Rs.7,000/- at 2 months drawn
by Basant. Basant discounted the Bill with his Bank at 6% p.a. On due date,
the bill was dishonored and Ashok requested him to accept Rs.4,000/immediately and draw upon him a new bill for the remaining amount at 2
months together with interest at 10% p.a. Basant agreed. The second bill was
duly honoured.
Give journal entries in the Books of Basant.
OR

4.

5.

a)

What are the types of Share Capital-Define .

b)

From the following details, ascertain the amount of subscriptions to be


credited to Income and Expenditure account for the year 2002:

i)

Subscription received in 2002 Rs. 24,000/- which include Rs.2,000/- f0r


1996 and Rs.4,000/- for 2003

ii)

Subscription due but not received at the end of the year 2002 were
Rs.10,000/-.

iii)

Subscription received in 2001 in advance for 2002 were Rs.6,000/-.

a)

Rectify the following errors by opening a suspense A/c.

i)

Purchase of goods costing Rs.585/- on credit from M/s.Mahesh & Sons was
recorded in the purchase book but failed to credit M/s Mahesh & Sons.
Paid Rs.650/- to M were debited to Ns A/c.
Total of sales book cast short by Rs.125/-.

ii)
iii)

(5)

(12)

iv)
v)
vi)
vii)
viii)

Purchase return of goods worth Rs.150/- remained to be recorded in purchase


return book only..
Wages amounting to Rs.750/- paid for installation of Machinery were debited
to wages A/c.
Purchase of furniture on cash for Rs.1,500/- was recorded as cash purchase.
Total of purchase book was overcast by Rs. 85/-.
Received Rs.458/- from Malini on account was correctly recorded in cash A/c.
but Malini A/c. was credited by Rs.485/-.

b)

what is distinction between Bill of Exchange and Promissory Note.

(3)

a)

Under what circumstances, a company can issue bonus shares.

(3)

OR
5.

b)
thereof?
c)

Can a company issue non-voting shares ? If yes, what are the conditions
(5)
what are the methods of valuation of goodwill. Define any one of them.

(5)

SECTION IV
6.

Prepare Trading, Profit & Loss A/c for the year ended 31st March, 2002 and the (15)
Balance sheet as on that date for the Business of Mr.Sahani.
Trial Balance
Debit
Rs.
Freehold Property
Motor Car
Furniture
Capital
Opening Stock
Purchases
Sales
Sundry Debtors
Bad Debts
Reserve for Bad Debts
Sundry Creditors
Bank Overdraft
Sales Return
Purchase Return

Credit
Rs.

75,000
60,000
16,000
1,25,000
35,000
55,000
1,54,500
40,000
1,500
3,000
24,000
30,000
2,000
1,000

Advertisement
Interest on Bank Overdraft
Commission
Rates & Taxes
Car Expenses
Miscellaneous Exp
Wages & Salaries
Discount
Bill Payable
Cash in hand

5,000
2,000
4,000
4,000
9,000
7,800
32,000
5,000
_7,200_
3,56,500

3,000
12,000
_______
3,56,500

Adjustments:

7.

1)
2)
3)
4)
5)
6)

Closing stock was valued at Rs.38,500/Interest on Bank overdraft Rs.1,000/- is not paid
Goods worth Rs.1,600/- were distributed as free samples.
Provide depreciation at 5% on furniture and 10% on motor car.
Commission received in advance is Rs.1,000/Create provision for doubtful debts at 5% on debtors.

a)
(5)
b)

Distinguish between Revenue and Deferred Revenue Expenditure.


A.K.Mines purchases from Wagon Ltd., wagons on installment system on
(10)
01-04-95, payments being made Rs.30,000/- down and Rs.30,000/- annually
for 3 years.
The cash price is Rs. 1,11,750/-. The rate of interest is 5% p.a. Depreciation to
be written off @10% p.a. on written down value basis. Show necessary
accounts in the books of A.K.Mines Ltd.
OR

7.

The M Ltd. Issued 1000 shares of Rs.10/- each at a premium of Rs.2/- per share
payable as follows:
(15)
On Application
On Allotment(including Premium
On first Call
On final Call

Rs.
2/5/3/2/-

Applications were received for 1500 shares and allotment was made pro-rata. Money
overpaid with application was adjusted to allotment dues. Mr. Raja to whom 30
shares were allotted failed to pay final call and his shares were forfeited. Later on
these shares were reissued to Vijay at Rs.9/- per share. Show journal entries in the
books of the Company.
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JAIIB JUNE 2003


INTRODUCTION TO COMPUTERS
SECTION I
1.

(A)
(B)

(C)

Give full form of the following


(5)
(i)
BCD (ii) CHATS (iii) PPP (iv) OCR (v) CPU
Choose the correct answer
(5)
(i)
Random access memory is ---(a)
non-volatile
(b)
non-volatile as well as volatile
(c)
volatile
(d)
none of the above
(ii)
Which of the following is not an input device ?
(a)
Terminal
(b)
Mouse
(c)
Trackballs
(d)
Joysticks
(iii)
The font used in Indian MICR cheques is ---(a)
CMC7
(b)
E13B
(c)
OCRB
(d)
none of these
(iv)
In inter-branch accounting, which of the following is generally not
allowed ?
(a)
Originating a credit entry from one branch favouring another
branch
(b)
Responding to a credit entry which has been received by a
branch by effecting the credit to an account in the receiving
branch
(c)
Originating a debit entry on another branch
(d)
Responding to a single credit entry by effecting credits to many
beneficiary accounts at the receiving branch.
(v)
In object oriented programming (OOP) the concept of ---provides the
idea of re-usability.
(a)
Polymorphism
(b)
Inheritance
(c)
Objects
(d)
Classes.
Differentiate between the following
(5)
(i)
Data and information
(ii)
Lan and wan

SECTION II
2.

Explain in brief (5-8lines) the following


(i)
(ii)
(iii)
(iv)
(v)

(10)

Impact of computers in the field of education.


Advantages of ATMs to the customers
Editors
Audit with the computer
Main features of SWIFT.

Answer the following in (8-10 ) lines


(i)
(ii)
(iii)
(iv)
(v)

(15)

communication satellite
object oriented programming
RTGS
System software
Smart cards
SECTION III

Write short notes on the following


(i)
(ii)
(iii)
(iv)
(v)
(vi)

(30)

Methods of Data Transmission


Internal controls as a mechanism to reduce risks in banking operations
Topology-Lan
CHAPS
Procedural Language
Data Privacy
SECTION IV

5.

Explain the following in (10-15 ) lines.


(i)
(ii)
(iii)

Development of Electronic Payment Systems in India.


Use of Computers for Cash Management in Banks.
Computers and Environment.
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