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DE–6995 11 wss DISTANCE EDUCATION B.B.A.(Banking) DEGREE EXAMINATION, DECEMBER 2009. BUSINESS COMMUNICATIONS (2005 onwards) Time : Three hours Maximum : 100 marks PART A — (5 8 = 40 marks) Answer any FIVE questions. 1. 2. 3. (a) Give the reasons for drafting complaint letter. (b) List out the main features of a well drafted complaint letter. Write short notes on : (a) Letter of credit (b) Cash credit (c) Overdraft (d) Circular letter of credit (a) What do you mean by the ‘signature and seal’ in a business ‘‘letter’’? Give the legal effects of signature in a business letter. (b) Give the saturation and complimentary close for the following : (i) From club to a member. (ii) Book-Publisher to a college professor. 4. Give the various segments of a conventional type application letter seeking appointment in an organisation. 5. Write different types of business reports. 6. List out the hints on writing enquiry letter and reply letter to the same. 7. Write a second letter to M/S Abdul & Sons, Cochin for the settlement of two months old account. 1 DE–6995 8. What is a report? Give the objectives and features of a report. wss PART B — (4 15 = 60 marks) Answer any FOUR questions. 9. Draft the minutes of the statutory meeting of a Public Ltd Company. 10. Write an application letter for the post of librarian in a reputed educational institution. 11. (a) (b) Write a complaint letter to the supplier complaining about shortage of in quantity supplied by them. Write a reply letter from the supplier to the buyer. 12. Write a circular letter (sales letter) to introduce the following products 13. 14. (a) Baby Foods (b) Air Conditioners (a) Write a letter from Satish seeking guidance from LIC of India, Madurai for lodging a claim consequent upon his father’s death. (b) Write a letter from Swaraj Ltd, Bombay to New India Assurance Co. Ltd, Chennai, seeking Insurance cover on Cotton bales in transit from Chennai and Singapore. (a) Write a letter from Mahatma and Sons Ltd, Chennai Dealers in Toys and Games to Akshaya and Sons Ltd asking trade references. (b) Write a reply letter from Akshaya and Sons Ltd giving trade references as desired by the seller. 15. What are the qualities of a good business letter? ————————— DE–6996 12 DISTANCE EDUCATION B.B.A.( Banking) DEGREE EXAMINATION, DECEMBER 2009. PRINCIPLES OF ECONOMICS 2 DE–6995 (2005 onwards) Time : Three hours Maximum : 100 marks SECTION A — (5 8 = 40 marks) Answer any FIVE questions. 1. Explain the functions of capital. 2. Explain the importance of cost in the production function of a firm. 3. What are the factors determinants of demand? 4. State the importance of Elasticity of Demand. 5. Briefly explain the National Income Estimation in India. 6. What are the relationship between Total Cost and Average Cost? 7. Explain the properties of Indifference Curve. 8. What are the assumptions of the Price Discrimination? SECTION B — (4 15 = 60 marks) Answer any FOUR questions. 9. What is Price discrimination and under what condition is it possible? Explain the economic effects of Price discrimination. 10. Explain consumer's equilibrium through Indifference Curve. 11. Briefly explain the Marginal productivity theory of wages. 12. Critically examine the Richardian Theory of Real. 13. Explain Price determination and equilibrium under imperfect competition. 14. What are merits and demerits of division of labour? 15. Explain the Keyne's liquitidity preference theory of interest with suitable diagrams. 3 DE–6995 wss ———————— DE–6997 13 DISTANCE EDUCATION B.B.A. (Banking) DEGREE EXAMINATION, DECEMBER 2009. MONEY AND BANKING (2005 onwards) Time : Three hours Maximum : 100 marks PART A — (5 8 = 40 marks) Answer any FIVE questions. Each question carries 8 marks. Answer to each question not to exceed a page. 1. Explain briefly the evolution of money. 2. What is Price Index Number? State the principles involved in constructing it. 3. Define ‘inflation’. Explain its effect on the distribution of income. 4. Describe the characteristics of a money market. 5. Describe the structure of the commercial banking system in India. 6. Explain the role of exchange banks in the promotion of foreign banks. 7. Critically evaluate the impact of financial sector reforms. 8. What are the different objectives of monetary policy? PART B — (4 15 = 60 marks) Answer any FOUR questions. Each question carries 15 marks. Answer to each question not to exceed 3 pages. 9. Discuss the role and importance of money in the modern economy. 4 DE–6995 wss 10. How do you measure the changes in the value difficulties to be encountered? of money? What are the wss 11. Write your comments on the recent crisis in the Indian Stock Market. 12. What are the functions of modern commercial banks? 13. Discuss how commercial banks strike balance between liquidity arid profitability. 14. Describe the problems and prospects of the private sector banks in India. 15. Explain in detail the various functions of Reserve Bank of India. ——————— DE–6998 14 DISTANCE EDUCATION B.B.A. (Banking) DEGREE EXAMINATION, DECEMBER 2009. RURAL BANKING (2005 onwards) Time : Three hours Maximum : 100 marks PART A — (5 8 = 40 marks) Answer any FIVE questions. 1. Explain the composition of Indian rural economy. 2. Write down the services rendered by RRBs. 3. Briefly explain the concept of priority sector credit. 4. Write a short note on Self Help Groups (SHGs). 5. What do you mean by project identification and formulation? 6. Explain the role of SIDBI in rural development. 7. What is credit planning? 8. Write a note on KVIC. 5 DE–6995 PART B — (4 15 = 60 marks) wss Answer any FOUR questions. 9. Discuss the functions of NABARD in rural development. 10. Critically evaluate the performance of Lead Bank Scheme and Service area approach. 11. How would you appraise the rural development projects? 12. Briefly explain the various rural development programmes. 13. Explain the role of commercial banks in the rural development. 14. Discuss the requisites of a good rural finance system. 15. Write a short note on the following : (a) DIC (b) TAHDCO (c) NGOs. —————————— DE–6999 15 DISTANCE EDUCATION B.B.A. (B) DEGREE EXAMINATION, DECEMBER 2009. FINANCIAL ACCOUNTING (2005 onwards) Time : Three hours Maximum : 100 marks SECTION A — (5 × 8 = 40 marks) Answer any FIVE questions. 1. Enter the following transactions in a Three Columnar Cash Book. 1999 Rs. Jan. 1 Cash in Hand Balance at Bank 410 8,920 2 Cash sales 4,500 6 DE–6995 3 Paid into Bank 4,000 5 Purchased Stationery 100 8 Paid Mahesh by cheque 280 Discount received wss 20 12 Gave a cheque for cash purchases 1,500 15 Drew for personal use 500 18 Received from Suresh a cheque for Rs. 1,970 in full settlement of account for Rs. 2,000 and deposited into Bank 2. Prepare a Bank Reconciliation Statement from the following data as on 31.12.2007. (a) Balance as per cash book Rs. 12,500 (b) Cheque issued but not presented for payment not collected Rs. 900 (c) Cheques deposited in bank but Rs. 1,200 (d) Bank paid insurance premium Rs. 500 (e) Bank charges Rs. 100 (f) Direct deposit by a customer Rs. 800 (g) Interest on investment collected by bank Rs. 200. 3. Arun owes Ajith the following sums of money due on the dates stated. Find out average due date. Rs. 400 due on 5th January 2006 Rs. 200 due on 20th January 2006 Rs. 800 due on 4th February 2006 Rs. 100 due on 26th February 2006 Rs. 50 due on 10th March 2006. 4. Distinguish between ‘Receipts and Payments Account’ and ‘Income and Expenditure Account’. 7 DE–6995 5. X and Y are partners in a firm sharing profits and losses as to 3/4ths to X and 1/4th to Y. Their capitals on 1st Jan. 2006 amounted to Rs. 18,000 and Rs. wss 12,000 respectively. During the year ended 31st Dec. 2006 they lost Rs. 10,600 without taking into account interest on capital and drawings. According to partnership deed, interest on capital is to be allowed at 5% p.a. and charged on drawings at an average rate of 20%. The drawings of X and Y during the year were Rs. 3,000 and Rs. 2,400 respectively and interest on them worked out to be Rs. 60 and Rs. 48 respectively. Draw up the Profit and Loss Appropriation Account. 6. P, Q and R share profits in proportion of 1/2, 1/4 and 1/4. On the date of dissolution, their Balance Sheet was as follows : Liabilities Rs. Assets Rs. Creditors 14,000 Sundry assets 40,000 P’s capital 10,000 Q’s capital 10,000 R’s capital 6,000 40,000 40,000 The assets realised Rs. 35,500. Creditors were paid in full. Realisation expenses amounted to Rs. 1,500. Close the books of the firm. 7. (a) Give specimen journal entries for forfeiture and re–issue in the following cases. (b) (i) When shares are issued at premium (ii) When shares are issued at discount. X Ltd. invited applications for 10,000 shares Rs. 10 each at a premium of Rs. 2, payable as under. On application Rs. 2 On allotment Rs. 5 (including premium) On first call Rs. 2 and On final call Rs. 3. Applications were received for 9000 shares. All money dues were received. Pass Journal Entries in the books of X Ltd. 8 DE–6995 of 8. Write short notes on : (a) Income recognition (b) Capital adequacy. wss SECTION B — (4 × 15 = 60 marks) Answer any FOUR of the following. 9. From the following Trial Balance of Mr. X as on 31st March 2005, Prepare Trading and Profit and Loss a/c and Balance Sheet taking into account the adjustments. Trial Balance Dr. Cr. Land and Buildings 42,000 Machinery 20,000 Patents 7,500 Stock 1.4.04 5,760 Sundry debtors 14,500 Purchases 40,675 Cash in hand 540 Cash at Bank 2,630 Returns Inwards 680 Wages 8,480 Fuel and Power 4,730 Carriage on sales 3,200 Carriage on purchases 2,040 Salaries 15,000 General expenses 3,000 Insurance 600 Drawings 5,245 Capital 62,000 Sales 98,780 9 DE–6995 Dr. Cr. Return outwards 500 Sundry creditors 6,300 Bills payable 9,000 1,76,580 wss 1,76,580 Adjustments : (a) Stock on 31.3.2005 was Rs. 6,800 (b) Salary outstanding Rs. 1,500 (c) Insurance prepaid Rs. 150 (d) Depreciate machinery @ 10% and patents @ 20% (e) Create a provision of 2% on debtors for bad debts. 10. A and and B losses were in partners the in a proportion joint of venture three–fifths sharing and profits two–fifths respectively. A supplies goods to the value of Rs. 20,000 and incurs on freight Rs. 1,000. B also supplied goods to the value of Rs. 16,000 and incurs Rs. 800 towards freight and other incidental charges. B sells the entire goods on behalf of the joint venture for Rs. 25,000. B is also entitled to a commission of 5% on sales. B settles his account by remitting a bank draft. Pass journal entries and prepare the important ledger accounts in the books of both the parties. 11. A Ltd. whose authorised share capital is Rs. 1,00,000 in Rs. 10 shares issued the whole of its capital to the Public at a premium of Rs. 1 per share payable as follows : On application Rs. 3 On allotment Rs. 5 (including premium) On first call Re. 1 On final call Rs. 2 The application and allotment moneys were received in full, but members holding 1000 shares failed to pay the call of Re. 1 per share and in consequence, these 10 DE–6995 shares were forfeited. At a later date and before further calls were made 500 of these shares were reissued as fully paid for Rs. 8. Pass journal entries and wss Prepare ledger accounts. 12. The following is the Receipts and Payments account of Delhi football association for the first year ending Dec. 2007. Receipts and Payments A/c Receipts To ’’ Donation Rs. Payments 50,000 Reserve fund By ’’ (life membership ’’ ’’ 4,000 Receipts from football matches 8,000 Subscriptions ’’ Locker Rent ’’ ’’ 40,000 Expenses for matches 900 ’’ Furniture 2,100 ’’ Investment at Revenue Receipts : ’’ 150 Pavilion office (constructed) fees and entrance fees received) Telephone Rs. cost 16,000 5,200 ’’ Revenue payments : 50 ’’ Salaries Interest on securities 240 ’’ Wages 600 Sundries 250 ’’ Insurance 350 ’’ Electricity 110 ’’ Sundry expenses 210 ’’ Balance on hand 5,520 67,740 67,740 Additional Information : (a) Subscription outstanding for 2007 are Rs. 250 (b) Salaries unpaid for 2007 are Rs. 170 (c) Wages unpaid for 2007 are Rs. 90 (d) Outstanding bill for sundry expenses is Rs. 40 (e) Donations received have to be capitalised. 11 1,800 DE–6995 31st From the details given above, prepare Income and Expenditure Account and Balance Sheet for the year ended 31st Dec. 2007. wss 13. The following is the Balance Sheet of Girish and Karish. Liabilities Rs. Assets Rs. Creditors 40,000 Bank 40,000 Bills payable 20,000 Debtors 20,000 General Reserve 6,000 Furniture 8,000 Profit and Loss A/c 6,000 Building 54,000 Capitals : Girish 30,000 Karish 20,000 1,22,000 1,22,000 They agree to admit Rajesh into partnership on the following conditions : (a) A goodwill Rs. 20,000 account be raised in the (b) Furniture and Building be depreciated by 5% (c) A Reserve of 5% is to be created on debtors. (d) Rajesh brings Rs. 24,000 as his capital and gets 1/4th share in future profits. Prepare Revaluation account, Partner’s and the Balance Sheet of the New Firm. 14. books Capital at a/c From the following particulars, prepare the final accounts of Banaras Bank Ltd. Balance Sheet as on 31st March 2005 Particulars Dr. Cr. Rs. Rs. Share capital : 1,00,000 shares of Rs. 10 each Rs. 5 paid up 5,00,000 Reserve Fund 10,00,000 Fixed Deposits 20,00,000 Savings Bank Deposits 30,00,000 Current Accounts 70,00,000 12 DE–6995 Borrowed from Bank 2,00,000 Investments 30,00,000 Premises 12,00,000 Cash in hand 60,000 Cash at Bank 28,00,000 Money at call and Short Notice 3,00,000 Interest accrued and paid 2,00,000 Salaries 80,000 Rent 30,000 wss Profit and Loss Account (1.4.2004) 1,60,000 Gross Profit for the year 4,50,000 Bills Discounted 5,00,000 Bills Payable 8,00,000 Loans, Advances, Overdraft and Cash credits 70,00,000 Unclaimed Dividends 30,000 Sundry Creditors 30,000 1,51,70,000 1,51,70,000 The Bank has a bill for Rs. 14,00,000 as collection for the constituents and also acceptances and endorsements for them amounting to Rs. 4,00,000. 15. Calculate the amount of goodwill in the following cases : (a) The profits and losses for four years are : 1996 – Rs. 30,000 (Profit) ; 1997 – Rs. 25,000 (Loss) ; 1998 – Rs. 28,000 (Profit) ; 1999 – Rs. 32,000 (Profit) Goodwill is to be valued at 3 years of purchase of average profits. (b) The profit and losses for the last four years are as given above. The average capital employed in the business is Rs. 1,80,000, the rate of interest expected from capital employed is 12%. The remuneration of partners is estimated to be Rs. 4,000 p.a. Goodwill is to be valued at three years’ purchases of super profits based on the average 4 years. (c) A firm earns profits of Rs. 1,50,000. The normal rate of return in a similar case is 15%. The value of total assets (excluding goodwill) and total outside liabilities as on the date of valuation of goodwill are Rs. 16,50,000 and Rs. 4,20,000 respectively. ———————— 13 DE–6995 DE–7000 21 35 wss DISTANCE EDUCATION B.B.A.(Banking)/B.B.A.(Banking)(Lateral) DEGREE EXAMINATION, DECEMBER 2009. PRACTICE AND LAW OF BANKING — I (2005 onwards) Time : Three hours Maximum : 100 marks PART A — (5 8 = 40 marks) Answer any FIVE questions. 1. Explain the procedure for opening Savings Bank Account. 2. How will you assess damages in the case of a wrongful dishonour of a cheque? 3. What are the various types of Negotiable Instruments? Briefly explain its features. 4. What is Not Negotiable Crossing? Bring out clearly its significance. 5. Define endorsement. Explain with illustrations Sans Recourse endorsement and Sans Frais endorsement. 6. Explain the duties and liabilities of a paying banker. 7. What is the rule laid down in Claton’s case? 8. State the different instruments used to transfer funds. PART B — (4 × 15 = 60 marks) Answer any FOUR questions. 9. Under which circumstances can a bank disclose information about its customer’s account. 10. Distinguish between a holder and a holder in due course. State the rights and privileges of a holder in due course. 14 DE–6995 11. What is crossing? Discuss different forms of special crossing. What are its essentials and bring out their significance. 12. Define Endorsement. Explain the different kinds of Endorsements and bring out their significance. 13. Describe the procedure to be followed in regard to safe deposit vault. 14. State and explain the banker’s obligation to honour cheques. What risks he has face in the case of wrongful dishonour of a cheque? 15. Who is a collecting banker? Explain statutory protection available to a collecting banker. ———————— DE–7001 22 DISTANCE EDUCATION B.B.A. (Banking)/B.B.A. (Banking) (Lateral) DEGREE EXAMINATION, DECEMBER 2009. MANAGEMENT PRACTICE (2005 onwards) Time : Three hours Maximum : 100 marks PART A — (5 8 = 40 marks) Answer any FIVE questions. 1. Is management a profession? professionalisation of management. Give arguments for and against the 2. Distinguish between Management and Administration. 3. Describe the benefits of good planning. What are the logical steps in planning? 4. Write a note on : (a) Procedures and rules (b) Single use plan. 5. Define departmentation. What are the basic factors to be considered while creating departments? 6. Differentiate between formal and informal organisation. 15 DE–6995 wss 7. Define training. Explain the advantages of training to the employees and the organisation. 8. Define communication. Why has communication assumed importance in modern industrial organisations? PART B — (4 15 = 60 marks) Answer any FOUR questions. 9. “Peter F.Drucker is described as an expert of experts”. Explain the statement in the light of management thought. 10. Discuss the role of planning in a modern business organisation. Enumerate the steps involved in planning process. 11. “Delegation of authority is the key to organisation”. Discuss the above statement and state the guidelines for securing effective delegation of authority. 12. What are the causes of emergence of informal groups? How should a manager handle these groups? 13. What is the significance of proper selection of employees in an organisation? Explain the steps followed in selection procedure. 14. Discuss the various styles of leadership. Do you think categorisation of leadership styles into water-tight compartments is possible. 15. What do you mean by budgetary control? What are the objectives of budgetary control? Discuss the benefits derived from budgetary control. ——————— DE–7002 23 DISTANCE EDUCATION B.B.A.(Banking)/B.B.A.(Banking)(Lateral) DEGREE EXAMINATION, DECEMBER 2009. BUSINESS STATISTICS (2005 onwards) Time : Three hours Maximum : 100 marks SECTION A — (5 8 = 40 marks) 16 DE–6995 wss Answer any FIVE questions. 1. Write a note highlighting the importance to statistics to business. 2. Differentiate between correlation and regression. 3. Find the range and its coefficient of height of 8 students from the following : 158, 160, 165, 166, 168, 170, 173. 4. 5. Calculate Harmonic mean from the following data : Size of items : 4 5 6 7 8 9 Frequency : 5 2 8 9 6 4 Two judges in a beauty contest rank the 12 entries as follows : X: 1 2 3 4 5 6 7 8 9 10 11 12 Y: 12 9 6 10 3 5 4 7 8 2 11 1 Compute the rank correlation between the two. 6. 7. 8. Construct an index number for 2007 taking 2006 as base from the following data : Commodity Price in 2006 Price in 2007 A 50 60 B 40 80 C 70 110 D 90 70 E 50 40 Find the annual net premium of at age 25 from the table given below : Age Annual Net Premium 20 1427 24 1581 28 1772 32 1996 What are the objectives of time series analysis? SECTION B — (4 15 = 60 marks) 17 DE–6995 wss Answer any FOUR questions. 9. 10. 11. 12. 13. wss Find the Karl Pearson’s coefficient of correlation : X: 6 2 10 4 8 Y: 9 11 5 8 7 X: 40 38 35 42 30 Y: 30 35 40 36 29 Find regression lines Calculate index numbers for the following data : 2006 2007 Commodity Price Quantity Price Quantity A 12 10 20 12 B 4 20 5 22 C 8 12 12 14 D 20 6 24 5 E 5 4 8 4 Find out by interpolation from the following data the number of workers earning Rs. 24 or more but less than Rs. 25. Earnings Less than (Rs.) No. of workers 20 296 25 599 30 804 35 918 40 966 Calculate the Standard deviation for the data below : Class Interval Frequency Class Interval Frequency 0–9 2 80 – 89 12 10 – 19 4 90 – 99 9 20 – 29 23 100 – 109 6 30 – 39 30 110 – 119 10 40 – 49 40 120 – 129 3 50 – 59 45 130 – 139 1 60 – 69 35 140 – 149 1 18 DE–6995 given 70 – 79 25 150 – 159 3 wss 14. The following table gives the number of students having different in heights and weights. Heights in centimeters Weight in kilograms Total 55 – 60 60 – 65 65 – 70 70 – 75 75 – 80 150 – 155 1 3 7 5 2 18 155 – 160 2 4 10 7 4 27 160 – 165 1 5 12 10 7 35 165 – 170 — 3 8 6 3 20 Total 4 15 37 28 16 100 Do you find any relation between height and weight? 15. Estimate the expectation of life at the age of 16 years. Age in years Expectations of life 10 35.4 15 32.3 20 29.2 25 26.0 30 32.2 35 20.4 ————————— DE–7003 24 DISTANCE EDUCATION B.B.A./B.B.A.(Banking) (Lateral) DEGREE EXAMINATION, DECEMBER 2009. BUSINESS (COMMERCIAL) LAW (2005 onwards) Time : Three hours Maximum : 100 marks 19 DE–6995 PART A — (5 8 = 40 marks) wss Answer any FIVE questions. 1. What are the essentials of a valid contract? 2. What are the circumstances in which an offer is terminated? 3. What are the duties of bailee? 4. Define a contract of sale. What are its essentials? 5. Define Company. State the various features of company. 6. Explain in detail about Doctrine of Ultravires. 7. What is a partnership deed? State its main contents. 8. ‘Stamp Duty varies from state to state’. Why? PART B — (4 × 15 = 60 marks) Answer any FOUR questions. 9. “No Consideration No contract”. Examine critically. 10. Define the “contract of Indemnity”. Distinguish it from a contract of Guarantee. State the rights of an indemnity holder when sued. 11. Distinguish between sale and agreement to sell. 12. Explain the various kinds of company. 13. Describe the various modes of winding up of a company. 14. Enumerate various provisions of Indian Stamp Act. 15. Explain in detail about procedures for registration of documents. ——————— DE–7004 25 20 DE–6995 DISTANCE EDUCATION B.B.A. (Banking)/B.B.A. (Banking) (Lateral) DEGREE EXAMINATION, DECEMBER 2009. FOREIGN EXCHANGE AND FINANCING OF FOREIGN TRADE (From 2005 onwards) Time : Three hours Maximum : 100 marks PART A — (5 × 8 = 40 marks) Answer any FIVE questions. 1. Differentiate between Nostro Account and Vostro Account. 2. Differentiate Spot Rate from Forward Rate. 3. What are the components of Balance of payments? 4. Explain Marine Insurance Policy. 5. What do you mean by Duty Drawback? How is advance made against it? 6. Explain the importance of forming Joint Venture abroad. 7. What are the non-lending services rendered by commercial banks to exports? 8. What is Exchange Rate? State its types. PART B — (4 × 15 = 60 marks) Answer any FOUR questions. 9. What are the factors that determine exchange rate? 10. What are the functions of Foreign Exchange Department of a bank? 11. Explain the role of EXIM Bank in foreign trade. 12. Explain the different types of financial assistance available in respect of foreign trade. 13. How will you determine spot and forward rates? Give suitable examples. 21 DE–6995 wss 14. 15. Explain Standard and Specific Policies of Export Credit Guarantee Corporation. What is Letter of Credit? Explain different types of Letter of Credit. ———————— DE–7005 31 DISTANCE EDUCATION B.B.A. (B)/B.B.A. (Banking) (Lateral) DEGREE EXAMINATION, DECEMBER 2009. PRACTICE AND LAW OF BANKING – II (2005 onwards) Time : Three hours Maximum : 100 marks PART A — (5 8 = 40 marks) Answer any FIVE questions. 1. What are the principles of sound bank lending? 2. State the meaning and types of Lien. 3. Distinguish between ‘Hypothecation’ and ‘Pledge’. 4. What are the liabilities of the Surety? 5. Write a short note on Loan appraisal. 6. State the meaning and importance of documentation. 7. What are the causes of sickness in small scale industry? 8. Write a note on Indian Stamp Act. PART B — (4 15 = 60 marks) Answer any FOUR questions. 9. Explain the various forms of advances provide by commercial banks. 10. Discuss the various types of securities. 11. Explain the essential features of a contract of guarantee. 22 DE–6995 wss 12. Discuss the various kinds of mortgages. 13. What are the major criteria the banker has to take into account while granting loan for an I.T. project? 14. What steps the banker has to take while advancing loan against any one document to title? 15. What are the measures taken by the commercial banks for rehabilitation of sick units? ———————— DE–7006 32 DISTANCE EDUCATION B.B.A.(Banking)/B.B.A. (Banking) (Lateral) DEGREE EXAMINATION, DECEMBER 2009. MARKETING OF BANKING SERVICES (2005 onwards) Time : Three hours Maximum : 100 marks PART A — (5 8 = 40 marks) Answer any FIVE questions. 1. What are the features of Modern Marketing concept? 2. Explain the terms ‘Demarketing’ and ‘Remarketing’. 3. What is Market segmentation? Is segmentation always necessary? 4. What are the objectives of marketing of banking services? 5. Explain the process of new product development. 6. What are demand-oriented and cost-oriented pricing? Which do you recommend for a new product of bank and why? 7. ‘‘Advertising is only one element of the promotion mix’’-Discuss. 23 DE–6995 wss 8. Describe the characteristics of a successful bank marketing personnel. wss PART B — (4 15 = 60 marks) Answer any FOUR questions. 9. What is marketing environment to bankers? Explain its main dimensions. 10. Briefly describe the factors that determine the location of a bank branch. 11. What are the basic pricing policies? 12. ‘‘New bank product development is not an easy task’’-Discuss. 13. What are the factors affecting promotion mix of a banker? 14. Give a brief account of various aspects of selection and motivation of bank personnel. 15. Write a short note on : (a) SWOT analysis. (b) Direct marketing. (c) Publicity. ––––––––––––– DE-7007 33 DISTANCE EDUCATION B.B.A. (Banking)/B.B.A. (Banking) (Lateral) DEGREE EXAMINATION, DECEMBER 2009. MANAGEMENT ACCOUNTING (2005 onwards) Time : Three hours Maximum : 100 marks PART A — (5 8 = 40 marks) Answer any FIVE questions. 1. Explain the limitations of management accountant. 2. What are the points to be kept in mind while preparing sales budget? 24 DE–6995 3. State the concept of post payback period. Illustrate your answer. 4. Distinguish between formal and informal report. 5. What are the limitations of financial statements? 6. Distinguish between inter-firm and intra-firm comparison. 7. From the following data, calculate (a) P/V ratio (b) Profit when sales are Rs. 20,000 (c) New break-even by 20% point if selling wss price is reduced Fixed expenses Rs. 4,000 Break-even point 8. Rs. 10,000. The following information is taken from a firm : Rs. Sales 33,984 Sales returns & allowances 380 Stock at the beginning 1,374 Stock at the end 1,814 Gross profit for the year 8,068 Calculate : (a) Purchase for the year (b) Rate of stock turnover (c) Percentage of gross profit to turnover. PART B — (4 × 15 = 60 marks) Answer any FOUR questions. 9. ‘‘Management Accounting is the best tool for the management to achieve higher profits and efficient operations’’. Discuss. 10. ‘‘A report is vehicle carrying information to those who need it’’. Explain. 11. The monthly budget for the manufacturing overhead of a concern for two levels of activity were as follows : Particulars 60% 100% Rs. Budgeted production (units) Indirect wages Rs. 600 1,000 1,200 2,000 Consumables stores 900 1,500 25 DE–6995 Maintenance 1,100 1,500 Power and fuel 1,600 2,000 Depreciation 4,000 4,000 Insurance 1,000 1,000 wss (a) Indicate which of the items are fixed, variable and Semi-variable. (b) Prepare a flexible budget for 80% of the activity. 12. From the following balance sheets of ABC Ltd. as on 31.12.2004 and 2005, prepare funds flow statement. Balance Sheet Liabilities Share capital 2004 2005 Rs. Rs. Assets 1,00,000 1,00,000 Goodwill 2004 2005 Rs. Rs. 12,000 12,000 General reserve 14,000 18,000 Buildings 40,000 36,000 P & L a/c 16,000 13,000 Plant 37,000 36,000 Creditors 8,000 10,000 11,000 Bills payable 1,200 30,000 23,400 Provision for tax 16,000 5,400 Investments 800 Stock 18,000 Bills receivable 2,000 3,200 Debtors 18,000 19,000 600 Cash at bank 6,600 15,200 Provision for doubtful debts 400 1,55,600 1,55,800 1,55,600 1,55,800 Additional information : (a) Depreciation charges on plant & buildings Rs. 4,000 each. (b) Provision for taxation of Rs. 19,000 was made during the year 2005. (c) Interim dividend of Rs. 8,000 was paid during the year 2005. 13. With the following ratios and further information given below, prepare a trading, profit and loss account and balance sheet. Gross profit ratio 25% Net profit ratio 14. at 20% Stock turnover ratio 10 Net profit/capital 1/5 Capital to total liabilities 1/2 Fixed assets/capital 5/4 Fixed assets/Total current assets 5/7 Fixed assets Rs. 10,00,000 Closing stock Rs. 1,00,000 The following two suggestions are under consideration : 26 DE–6995 (a) (b) 10% reduction in price to yield an increase in sales volume from 6,600 to 7,900 units. wss 10% increase in price with decrease in volume of sales from 6,600 to 5,700 units. The following particulars are given : Current unit price Rs. 1,000 Unit variable cost Rs. 500 Fixed cost Rs. 30,00,000 Prepare a statement comparing gross revenue, profit contribution and P/V ratio of the two alternatives with present results. Which suggestions would you recommend? 15. Jash & Kush Co. proposes to take up a project which needs an investment of Rs. 2,40,000. The net income before depreciation and tax is estimated as follows for the ensuing five years. Year Income (Rs.) 1 60,000 2 72,000 3 84,000 4 96,000 5 1,20,000 Income tax rate may be assumed as 50% and depreciation is to be provided on straight line basis. Calculate the accounting rate of return. ——————— DE–7008 34 DISTANCE EDUCATION B.B.A. (Banking)/B.B.A. (Banking) (Lateral) DEGREE EXAMINATION, DECEMBER 2009. COMPUTERS AND BANKING (2005 onwards) Time : Three hours Maximum : 100 marks PART A — (5 8 = 40 marks) Answer any FIVE questions. 27 DE–6995 1. What are the different types of computers? 2. How do you represent non numeric data in computers? 3. Explain the functions of main memory. 4. What is software? Explain its need. 5. Write a detailed note on programming language. 6. State the uses and limitations of home banking. 7. What do you understand by accidental damage? 8. What is meant by peripheral controllers? PART B — (4 15 = 60 marks) Answer any FOUR questions. 9. Discuss the various uses of computer. 10. Briefly explain the concepts of data processing. 11. Explain the working of CPU with a neat diagram. 12. Discuss the working of operating system in software. 13. Describe the working of ATM and EFT. 14. Briefly explain the various operational problems relating to computerisation of bank. 15. Discuss about accidental damage and malicious damage. ——————— 28 DE–6995 wss DISTANCE EDUCATION B.B.A. (Banking)/B.B.A. Banking (Lateral) DEGREE EXAMINATION, DECEMBER 2009. 35 DEVELOPMENT BANKING (2005 onwards) Time : Three hours Maximum : 100 marks PART A — (5 8 = 40 marks) Answer any FIVE questions. 1. Define development bank. What are its objectives? 2. Evaluate the working of IFCI. 3. Explain the project finance and soft loan assistance provided by IDBI. 4. State the institutions promoted by ICICI for providing assistance to industrial development. 5. Write briefly about SIDBI. 6. State the origin, structure and management of UTI. 7. State the role of LIC in industrial finance. 8. State the reasons for creation of National Housing Bank. PART B — (4 15 = 60 marks) Answer any FOUR questions. 9. Describe the various activities of IFCI. 10. Explain the functions of ICICI. 11. Narrate the forms of assistance provided by national small industries corporation for the development of SSI. 12. Discuss the various functions of EXIM Bank in the promotion of Foreign trade. 13. Discuss the working of National Housing Bank. 14. Mention the various schemes of UTI for different categories of Investors. 15. Discuss the services rendered by CRISIL. 29 DE–6995 wss