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DE-5337
DISTANCE EDUCATION
B.B.A. (Banking) DEGREE EXAMINATION, MAY 2009.
BUSINESS COMMUNICATION
(2005 onwards)
Time : Three hours Maximum : 100 marks
PART A — (5 × 8 = 40 marks)
Answer any FIVE questions.
1. Bring out the layout of a business letter.
2. Discuss the circumstances in which orders are cancelled.
3. What are the points to be kept in mind, while drafting settlement letters?
4. Discuss the significance of agency letters.
5. Describe the need for preparing the minutes.
6. Enumerate the occasions on which the need for speech drafting arises.
7. What is a circular letter? Bring out the circumstances in which it has to be drafted.
8. How is a report prepared?
11
PART B — (4 × 15 = 60 marks)
Answer any FOUR questions.
9. You are a dealer of modern office furniture. Draft a letter to the manufacturer, asking quotation for the items of furniture needed by you.
10. You have placed an order with Messrs. Balan Traders, for various types of paint items. Draft an acknowledgement letter for the receipt of goods.
11. M/s Ramesh Enterprises, Madurai supplied electrical goods worth Rs. 50,000 on credit to M/s British Traders, Chennai. The latter failed to pay the dues. Draft a collection letter.
12. Describe the need for drafting insurance letters.
13. Explain various methods of preparing minutes.
14. What are the various types of reports needed in business? Explain them.
15. Your current account balance is Rs. one lakh, you have already issued cheques to the suppliers for a total of two lakh rupees. Send a letter to your bank manager, requesting him to grant overdraft to honour the cheques.
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DE–5351
DISTANCE EDUCATION
B.B.A. (Banking) DEGREE EXAMINATION, MAY 2009.
DEVELOPMENT BANKING
(2005 onwards)
Time : Three hours Maximum: 100 marks
PART A — (5 × 8 = 40 marks)
Answer any FIVE questions.
1. What are the main objectives of the development
banks in India?
2. What do you mean by venture capital?
3. Explain the importance of industrial development
bank of India.
4. Distinguish between open-end and closed end unit
schemes introduced by UTI.
5. What is seed capital assistance?
6. What are the objectives of TCOs?
7. What are the objectives of National Housing Bank?
8. Explain credit rating and its benefits.
PART B — (4 × 15 = 60 marks)
3
35
Answer any FOUR questions.
9. Explain the functions of Industrial Finance Corporation of India.
10. Explain the functions of IDBI.
11. Discuss the main role and operations of ICICI.
12. Discuss the lending programmes lunched by EXIM Bank for Indian exporters.
13. Enumerate the objectives and functions of SIDBI.
14. Mention the differnet types of insurance policy.
15. Discuss the types of credit rating.
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4
DE-5350
DISTANCE EDUCATION
B.B.A. (Banking) DEGREE EXAMINATION, MAY 2009.
COMPUTERS AND BANKING
(2005 onwards)
Time : Three hours Maximum : 100 marks
PART A — (5 × 8 = 40 marks)
Answer any FIVE questions.
1. Define computer. What are the different types of computers?
2. Explain the basic concepts of data processing.
3. Explain any two storage devices of computers.
4. What is software? What are its types?
5. What is home banking? What are its uses to customers?
6. What are the security considerations relevant to inter branch reconciliation?
7. Explain any four peripheral controllers.
8. What are MICR cheques? What are its uses?
PART B — (4 × 15 = 60 marks)
Answer any FOUR questions.
9. Explain the four different generations of computers and its applications.
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10. Explain the different ways of representing data in computers with examples. How do you represent non-numeric data?
11. Discuss the anatomy of computers.
12. (a) Explain the operating systems in software. (10)
(b) Discuss the various programming languages used in software. (5)
13. Discuss the applications of computers in banking.
14. Write short notes on :
(a) Accidental damage
(b) Power failures
(c) Malicious damage.
15. (a) Discuss the working of a computer. (10)
(b) Explain the working of an ATM. (5)
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6
DE–5349
DISTANCE EDUCATION
B.B.A. (Banking) DEGREE EXAMINATION, MAY 2009.
MANAGEMENT ACCOUNTING
(2005 onwards)
Time : Three hours Maximum : 100 marks
PART A — (5 × 8 = 40 marks)
Answer any FIVE questions.
1. What are the functions of Management Accounting?
2. How does Management Accounting differ from cost
accounting?
3. What are limitations of Budgetary Control?
4. Calculate the average rate of return for projects A
and B from the following :
Project A Project B
Investment Rs. 20,000 Rs.
30,000
Expected Life (no. salvage
value)
4 years 5 years
Project Net Income, after interest, depreciation and taxes :
7
33
Years
Project A
Project B
1 2,000 3,000
2 1,500 2,000
3 1,500 2,000
4 1,000 1,000
5 — 1,000
Total 6,000 9,000
5. What are the advantages and limitations of BEP?
6. B. Raj and Co. sells goods on cash as well as credit (though not on deferred instalment terms). The following particulars are extracted from their books of accounts for the calendar year 2007.
Rs.
Total Gross Sales 1,00,000
Cash Sales (included in above) 20,000
Sales Returns 7,000
Total Debtors for Sales as on 31.12.2007
9,000
Bills Receivable on 31.12.2007 2,000
Provision for doubtful debts on 31.12.2007
1,000
Total creditors on 31.12.2007 10,000
Calculate the average collection period.
7. What are the uses of funds flow statement?
8. Explain the basic requisites of a good report.
8
PART B — (4 × 15 = 60 marks)
Answer any FOUR questions.
9. Distinguish between Financial Accounting and
Management Accounting.
10. A company wishes to arrange overdraft facilities with
its Bankers during the period April to June when it will be
manufacturing most for stock. Prepare cash budget for
the above period from the following data, indicating the
extent of bank facilities the company will require at the
end of each month.
Sales Purchas
e
Wage
s
Rs. Rs. Rs.
Februar
y
1,80,00
0
1,24,80
0
12,00
0
March 1,92,00
0
1,44,00
0
14,00
0
April 1,08,00
0
2,43,00
0
11,00
0
May 1,74,00
0
2,46,00
0
10,00
0
June 1,26,00
0
2,68,00
0
15,00
0
50% of credit sales are realized in the month following
sales and the remaining 50% in the second month
9
following. Creditors are paid in the month following the
month of purchase.
Wages are paid on the first of very next month.
Cash at bank on 1st April Rs. 25,000.
11. The financial manager of a company has to advice
the Board of Directors on choosing between two
compelling project proposals which require an equal
investment of Rs. 1,00,000 and are expected to generate
cash flows as under :
End of
year
Rs. Rs.
1 48,00
0
20,00
0
2 32,00
0
24,00
0
3 20,00
0
36,00
0
4 nil 48,00
0
5 24,00
0
16,00
0
6 12,00
0
8,000
Which project proposal should be recommended and why?
Assume the cost of capital to be 10% p.a. The following
are the present value factors at 10% p.a.
Year : 1 2 3 4 5 6
Factor 0.90 0.82 0.75 0.68 0.62 0.56
10
: 9 6 1 3 1 4
12. The following information is obtained from A Co. Ltd.,
in a certain year :
Rs.
Sales (1,00,000
Units)
2,00,00
0
Variable cost 1,00,00
0
Fixed cost 60,000
(a) Find P/V Ratio, Break-even point and Margin of
Safety at this level.
(b) Calculate the effect of :
(i) 20% increase in Selling Price.
(ii) 10% decrease in Selling Price.
(iii) 10% decrease in Fixed Costs.
(iv) 10% decrease in Variable Costs.
(v) 10% increase in Variable Cost.
13. The following balance sheet of Mr. Opama on 1.1.07
and 31.12.07 were as follows :
Balance sheet
Liabilities 1.1.07 31.12.0
7
Assets 1.1.07 31.12.0
7
Rs. Rs. Rs. Rs.
Creditors 40,000 44,000 Cash 10,000 7,000
Mrs. Oil loan 25,000 Debtors 30,000 50,000
11
Loan from
Bank
40,000 50,000 Stock 35,000 25,000
Capital 1,25,00
0
1,53,00
0
Machiner
y
80,000 55,000
Land 40,000 50,000
Building 35,000 60,000
2,30,00
0
2,47,00
0
2,30,00
0
2,47,00
0
During the year a machine costing Rs. 10,000 (accrued
depreciation Rs. 3,000) was sold for Rs. 5,000. The
provision for depreciation against machinery as on 1.1.97
was Rs. 25,000 and on 31.12.07 Rs. 40,000. Net profit for
the year 2007 amounted to Rs. 45,000. You are required
to prepare cash flow statement.
14. From the following information, make out a statement of proprietor’s fund with as many details as possible :
(a) Current ration 2.5
(b) Liquid ratio 1.5
(c) Proprietary ratio (Fixed Assets/Proprietary Fund) 0.75
(d) Working capital 60,000
(e) Reserves and surplus Rs. 40,000 and
(f) Bank overdraft 10,000
(g) There are no long term loans and fictitious assets.
15. What is Report? How is it useful to management?
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12
DE–5348
DISTANCE EDUCATION
B.B.A. (Banking) DEGREE EXAMINATION, MAY 2009.
MARKETING OF BANKING SERVICES
(2005 onwards)
Time : Three hours Maximum : 100 marks
PART A — (5 × 8 = 40 marks)
Answer any FIVE questions.
1. Define marketing. Discuss the importance of
marketing.
2. Explain modern marketing concept.
3. What are the benefits of market segmentation?
4. What is the need for motivating the sales force?
Explain the various tools that are used for sales force
promotion.
5. Explain the process of new product development.
6. Distinguish between
(a) Skimming Pricing and Penetration Pricing.
(b) Trade Discount and Quantity Discount.
7. Define promotion and give its classification.
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8. Describe the importance of advertising in the
marketing strategy of a firm.
PART B — (4 × 15 = 60 marks)
Answer any FOUR questions.
9. What is the relevance of marketing to bankers?
10. What are the factors that determine location of a bank branch?
11. Explain the components of marketing mix.
12. ‘‘New product development is not an easy task’’ — Elucidate.
13. Why selection, motivation and training are needed for a bank marketing personnel? Suggest your views.
14. Describe the major pricing objectives which a company may set out to achieve.
15. Write short notes on:
(a) SWOT analysis
(b) Demarketing
(c) Customer service.
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14
DE–5347
DISTANCE EDUCATION
B.B.A. (Banking) DEGREE EXAMINATION, MAY 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. Write a short note on liquidity of advances.
2. What important points should be covered in an interview with a prospective borrower to assess his credit worthiness?
3. Explain the characteristics of mortgage.
4. What are the essentials of a valid pledge?
5. When is a surety discharged from his liability?
6. What are the various data required for a financial appraisal?
7. Discuss the importance of correct documentation.
8. Define industrial sickness. Explain the important signals of industrial sickness.
PART B — (4 × 15 = 60 marks)
Answer any FOUR questions.
9. Explain the principles that guide a banker in granting loans and advances.
10. Discuss the various kinds of mortgages.
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31
11. What are the salient features of a guarantee and points to be borne in mind by a banker in granting an advance on the security of a guarantee?
12. Explain the various aspects of loan appraisal.
13. In what ways, can the period of limitation be extended?
14. Explain the causes of sickness in small scale industry.
15. What points should be borne in mind when getting documents executed by various types of borrower?
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16
DE–5346
DISTANCE EDUCATION
B.B.A.(Banking) DEGREE EXAMINATION, MAY 2009.
FOREIGN EXCHANGE AND FINANCING OF FOREIGN TRADE
(2005 Onwards)
Time : Three hours Maximum : 100 marks
PART A — (5 × 8 = 40 marks)
Answer any FIVE questions.
1. What do you mean by INCOTERMS? And briefly
explain it.
2. What is the effect of trade deficit on the current
account balance?
3. What do you know about foreign exchange market?
Explain its uses.
4. State the mechanism of letter of credit.
5. What do you understand by export project finance?
6. What do you mean by forfeiting? How does it differ
form factoring?
7. Explain any four types of specific policies offered by
ECGC.
8. Write a note on Non-resident Deposit Account.
PART B — (4 × 15 = 60 marks)
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25
Answer any FOUR questions.
9. State in detail about various documents used in
foreign trade.
10. Define the term foreign exchange. List down various
functions of foreign exchange department of a bank.
11. Explain the various methods of settling debts in
international trade.
12. Explain in detail financing for project exports.
13. Describe the various schemes of Export Credit
Guarantee Corporation.
14. Describe in detail on opening a letter of Credit.
15. Enunciate the functions of EXIM Bank.
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DE–5345
DISTANCE EDUCATION
B.B.A. (Banking) DEGREE EXAMINATION, MAY 2009.
BUSINESS (COMMERCIAL) LAW
(2005 onwards)
Time : Three hours Maximum : 100 marks
SECTION A — (5 × 8 = 40 marks)
Answer any FIVE of the following.
All questions carry equal marks.
1. What is an offer? State the rules of a valid offer.
2. Define consideration and state its salient features.
3. Differentiate between a sale and a hire-purchase agreement.
4. List out the duties of buyer under the sale of goods act.
5. State the position of a minor in partnership.
6. Discuss the salient features of a company under the companies Act.
7. What are the documents that require stamping under the Indian Stamp Act?
8. Explain the procedure for registration of documents under the Registration Act.
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24
SECTION B — (4 × 15 = 60 marks)
Answer any FOUR of the following.
All questions carry equal marks.
9. Explain the essential elements of a valid contract.
10. Explain ‘‘breach of contract’’ as a mode of discharge of contract.
11. What are the duties and powers of bailor and bailee?
12. Explain the procedure for registration of partnership firm and effects of non-registration.
13. What is a memorandum of association? What are its contents?
14. Explain the effects of document not being duly stamped.
15. Explain the provisions relating to period of limitation in certain specific cases of special interest to bankers.
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DE–5344
DISTANCE EDUCATION
B.B.A. (Banking) DEGREE EXAMINATION, MAY 2009.
BUSINESS STATISTICS
(2005 onwards)
Time : Three hours Maximum : 100 marks
SECTION A — (5 × 8 = 40 marks)
Answer any FIVE questions.
All questions carry equal marks.
1. Explain the scope of statistics in commerce.
2. Define mean deviation and distinguish it from standard deviation.
3. The marks obtained by 100 students of a class are given below :
Marks : 30
32
37
42
55
67
69
75
No. of students :
9 11
17
20
10
13
9 11
Calculate Karl Pearson’s co-efficient of skewness.
4. Calculate Spearmen’s Rank correlation co-efficient.
X :
20
24
120
120
140
Y :
30
40
40 40 100
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5. Define average and explain the desirable properties of an average.
6. What do you mean by interpolation? What are its uses?
7. Construct the cost of living index number from the following data :
Group : A B C D E
Index : 400
200
250
100
75
Weight :
4 3 1 2 3
8. Explain the components of time series.
SECTION B — (4 × 15 = 60 marks)
Answer any FOUR questions.
All questions carry equal marks.
9. ‘‘Statistical laws have universal application’’ – Do you agree?
10. Compute the standard deviation from the following data :
Height (in cms.) :
157
160
162
164
166
168
No. of students :
4 5 11 6 9 5
11. Compute Bowley’s co-efficient of skewness from the data given below :
Mid value :
15
25
35
45
55
65
75
Frequency :
3 9 6 12
4 8 2
22
12. Calculate Karl Pearson’s co-efficient of correlation from the following data :
Year 2003
2004
2005
2006
2007
Sales (Rs. ’000) :
37 42 48 52 61
Profit (Rs. ’000) :
28 32 37 45 38
13. From the following data, interpolate the sales for 2003.
Year : 2001
2002
2004
2005
2006
Sales (Rs. ’000) :
36 47 59 68 85
14. Explain the important methods of constructing index numbers.
15. (a) Define time series and explain the importance of time series.
(b) The seasonal indices of sales of a company for four quarters of a year are 100, 110, 90 and 160. Calculate sales for the year, if the sales in the first quarter in Rs. 4,50,000.
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DE–5343
DISTANCE EDUCATION
B.B.A.(Banking) DEGREE EXAMINATION, MAY 2009.
MANAGEMENT PRACTICE
(2005 onwards)
Time : Three hours Maximum : 100 marks
PART A — (5 × 8 = 40 marks)
Answer any FIVE questions.
1. Discuss briefly the various functions of management.
2. What is the purpose of performance evaluation?
3. What are the types of decisions?
4. Explain the principle ‘Management by Exception’.
5. What are the advantages and disadvantages of centralisation?
6. What are the functions of a leader?
7. What is the importance of controlling function?
8. Write a note on Human Resource Accounting.
PART B — (4 × 15 = 60 marks)
Answer any FOUR questions.
9. Discuss the various approaches to management in detail.
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10. Explain the steps involved in decision making.
11. State and explain the principles of organisation.
12. What do you mean by decentralisation? Discuss the advantages and disadvantages of decentralization of authority.
13. What are the various methods of training managers?
14. What are the principles of effective communication?
15. Explain any three controlling techniques.
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DE–5342
DISTANCE EDUCATION
B.B.A.(Banking) DEGREE EXAMINATION, MAY 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. State and explain the banker’s obligation to honour
cheques.
2. What are the features of a negotiable instrument?
3. Define material alteration. Give examples of
material alteration.
4. What steps should a banker take on receiving
information regarding the death of a partner in a
partnership firm?
5. What is a letter of introduction? Why is it required at
the time of opening a new account?
6. Explain the features of travellers’ cheque.
7. Distinguish between endorsement and assignment.
8. When will a wrong entry favourable to a customer
constitute a settlement of account?
26
21
PART B — (4 × 15 = 60 marks)
Answer any FOUR questions.
9. Define the terms ‘banker’ and ‘customer’ and bring
out the relationship that exists between them.
10. Discuss the rights of parties to negotiable
instruments in the case of
(a) Lost instrument
(b) Stolen instrument.
(c) Instrument obtained by fraud
(d) Forged instrument.
11. Define endorsement. Explain different kinds of
endorsements and bring out their significance.
12. Discuss in brief the practice governing the opening
of a Joint Account.
13. What is a letter of credit? What is its significance in
the foreign trade?
14. Discuss in detail the statutory protection granted to
a collecting banker in India.
15. Discuss the banker’s right to close the account of a
customer.
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DE–5341
DISTANCE EDUCATION
B.B.A. (B) DEGREE EXAMINATION, MAY 2009.
FINANCIAL ACCOUNTING
(2005 onwards)
Time : Three hours Maximum : 100 marks
SECTION A — (5 × 8 = 40 marks)
Answer any FIVE questions.
1. M/s Fashion corner, who are dealers in readymade garments sold the following items during the month of December 2006.
December
5
Sold to M/s Satish Bros
200 shirts @ Rs. 75 per shirt 200
trousers @ Rs. 250 per trouser less. Trade discount
10%10 Sold to M/s Mathew & Co
160 Ladies suits @ Rs. 225 per suit 300 Jeans @ Rs. 300 per pieceone second-hand scooter for Rs. 10,000
15 Cash sales to customers40 T-Shirts @ Rs. 125 per T-Shirt40 Jeans @ Rs. 250 per piece40 Ladies suits @ Rs. 200 per suit40 trousers @ Rs. 260 per trousers. Prepare sales book.
28
15
2. Ahmed received on March 1, 1998 two bills from Basheer for Rs. 2,000 payable after 1 month and Rs. 4,000 payable after 3 months. Ahmed sent both the bills to his bank for collection at 5% discount. Ahmed was advised by his bank that the bill for Rs. 2,000 was honoured and the bill for Rs. 4,000 was dishonoured on the respective due dates. Journalise the transactions in the books of both the parties.
3. Following dealings book place between Mohan and Raman between 1st April, 2005 and 30th June 2005. Rate of interest is 5% p.a.
2005 Rs.April 1 Balance due from Raman 2,000
2 Received cash from Raman 8005 Purchased goods from Raman 4005 Sold goods to Raman (due on 15th April 1,000
May 6 Sold goods to Raman 60012 Received cash from Raman 500
June 16
Purchased goods from Raman
(payment due on 20th June) 80024 Received cash from Raman 200
Prepare Raman’s account current with Mohan.
4. How will you treat the following items in the final accounts of a Non-profit organisation?
(a) Entrance fees
(b) Donations
(c) Endowment fund
(d) Specific fund
(e) Life membership fees
(f) Legacy
(g) Sale of an asset
(h) Sale of used sports materials.
29
5. Define goodwill and describe the various methods of calculating goodwill.
6. A, B and C are partners in a firm sharing profits and losses in the proportion of 3 : 3 : 2. Their balance sheet on
31-12-2007 was as follows :Liabilities Rs. Assets Rs.
Sundry creditors 47,500 Bank 55,000Partners capital : Stock 69,000A 75,000 Investment
s6,000
B 75,000 Debtors 70,000C 1,00,000 2,50,00
0Land and
Partner’s current A/c
Buildings 1,25,000
A 15,000 Goodwill 25,000B 25,000C 12,500 52,500
3,50,000
3,50,000
They decided to dissolve the firm on 1-1-2008. ‘A’ reports the result of realisation as follows :
Rs.Land and Buildings
90,000
Debtors 60,000
Investments 5,500Stock 75,50
0Goodwill Nil
The realisation expenses amounted to Rs. 2,000. Close the accounts of the firm.
30
7. A Ltd Co. issued a prospectus offering 2,00,000 shares of Rs. 10 each on the following terms :On Application Rs. 1 per shareOn Allotment Rs. 3 per share (including premium of Rs. 2)On First call Rs. 4 per shareOn Second call Rs. 4 per share.
Subscriptions were received for 1,95,000 shares. The amounts due were received on the due dates, with the exception of the final call on 100 shares. Pass Journal entries in the books of the company.
8. Write short notes on :(a) Income recognition.(b) Capital adequacy.
SECTION B — (4 × 15 = 60 marks)
Answer any FOUR of the following.
9. From the following Trial Balance contracted from the books of Cheran, prepare Trading and Profit and Loss A/c and Balance sheet for the year ended 31-12-06.
Debit balances Rs. Credit balances Rs.Cash at bank 2,610 Creditors 4,700Book debts 11,070 Discounts 150Salaries 4,950 Creditors for
expenses400
Carriage inwards 1,450Carriage outwards 1,590 Returns outwards 2,520Bad debts 1,310 Sales 80,410Office expenses 5,100 Capital 40,000Purchases 67,350Returns inwards 1,590Furniture and fixtures 1,500Stock 14,360Insurance 3,300Depreciation on property
1,200
31
Freehold property 10,8001,28,18
01,28,18
0
Adjustments :(a) Make provision for doubtful debts at 5%.(b) Outstanding salaries Rs. 150.(c) Prepaid Insurance Rs. 300.(d) Stock on hand Rs. 10,700.
10. Mopedes Ltd, Chennai, forwarded on 1st June 1998, 50 Mopedes to Mr. Prathap of Pune to be sold on its behalf. The cost of one Mopede was Rs. 1,600 , but the invoice price was Rs. 2,000. Mopedes Ltd. incurred Rs. 10,000 on freight and insurance. The consignment was received by Mr. Prathap on 10th June 1998. He also sent a bank draft for Rs. 75,000 as advance against the consignment. Mr. Prathap incurred Rs. 600 on godown rent and Rs. 1,400 on advertisements. On 10th August 1998, Mr. Prathap sent an account sales stating that he had sold 45 Mopedes at a price of Rs. 2,150 each. He is also entitled to a commission of 5% on gross sales.
Pass Journal entries and prepare the ledger accounts in the books of the consignor, assuming that the balance due by Mr. Prathap is sent by bank draft on 31 st August 1998.
11. Following is the Receipts and payments Account of an Entertainment club for the year ending 31st December 1999.
Receipts Rs. Rs.To Balance b/d 3,000 By expenses 200To subscriptions By salaries 1,200
1998 100 By music concert expenses
1,000
1999 4,000 By Newspapers 2402000 160 By Municipal Taxes 120
32
To sale of music By Investments 4,000concert tickets 2,100 By charity 800To Donations 1,100 By Electricity 400To sale of old By purchase of furniture 2,000newspaper 100 By balance c/d 1,200To entrance fees
600
11,160 11,160
Additional information :
(a) There are 400 members each paying Rs. 10 as annual subscription.
(b) Subscriptions still outstanding for 1998 Rs. 120.
(c) Interest on investments has accrued for five months @ 6%.
(d) The book value of building on 1-1-1999 was Rs. 10,000.
Prepare Income and Expenditure account and the balance sheet of the club.
12. A, B and C are partners sharing profits and losses in the ratio of 2 : 1 : 1 following is their balance sheet as on 31 st December 2005.
Liabilities Rs. Assets Rs.Sundry creditors 18,00
0Cash in hand 20,000
Bills payable 2,000 Debtors 45,000General reserve 5,000 Less :Capital Accounts : provision 1,000 44,000 A 30,00
0Stock in
B 25,000
trade 20,000
C 10,000
Furniture 6,000
90,000
90,000
33
C retired and the partners agree to the following revaluation :
(a) The provision for doubtful debts is to be increased to Rs. 1,800.
(b) Goodwill accounts is to be raised at Rs. 25,000.
(c) The new profit sharing ratio of A and B shall be 2 : 1 respectively.
Prepare Revaluation account, capital accounts of the partners and the balance sheet of the new firm.
13. X Ltd., invited applications for 10,000 shares of Rs. 100 each at a discount of 6% payable as follows :
On application Rs. 25
On allotment Rs. 34
On first and final call Rs. 35
Applications were received for 9,000 shares and all of these were accepted. All moneys due were received except the first and final call on 100 shares which were forfeited. These shares were reissued @ Rs. 90 as fully paid.
Pass journal entries in the books of the company.
14. From the following information, prepare the profit and loss account of Ruby Bank for the year ended 31st March 2006, under the provisions of the Act applicable, there to
Rs.
(’000)Interest on loans 518Interest on cash credits 446Discount on bills discounted 390Interest on overdrafts 108Interest on saving bank deposits 220Interest on fixed deposits 554
34
Commission, exchange and
brokerage
16.4
Rent, Taxes and lighting 36Auditors’ fees 2.4Postage, telegrams and
telephones
2.8
Sundry charges 2Advertisement and publicity 1.4Directors’ fees 6Printing and stationary 4Law charges 1.4Payment to employees 108Lockers Rent .7Transfer fees 1.4Depreciation on Bank’s property 10
Additional Information :
Rebate on bills discounted Rs. 98,000 and provide for bad debts Rs. 58,000.
15. From the following particulars ascertain the bank balance as per bank pass book of Mr. Prasad as on 31-12-2006.
(a) Bank overdraft as per cash book on 31.12.2006 Rs. 6,000.
(b) Interest on overdraft for six months ending 31.12.06 Rs. 200 is debited in the pass book.
(c) Cheques issued but not cashed before 31.12.06 amounted to Rs. 1,500.
(d) Cheques deposited into bank but not cleared and credited before 31.12.06 amounted to Rs. 2,500.
(e) Interest on investments collected by bank and credited in bank pass book amounted to Rs. 1,800.
(f) The bank column of cash book receipts side was overcast by Rs. 1,000 in December 2006.
35
DE–5340
DISTANCE EDUCATION
B.B.A. (Banking) DEGREE EXAMINATION, MAY 2009.
RURAL BANKING
(2005 onwards)
Time : Three hours Maximum : 100 marks
SECTION A — (5 × 8 = 40 marks)
Answer any FIVE of the following.
1. Explain the features of Indian Rural Economy.
2. Write a note on Integrated Rural development
programme.
3. Write down the services rendered by co-operative
banks for rural finance.
4. Explain the role of NGO’s in rural development.
5. How can you evaluate the rural development
projects?
6. Explain the functions rendered by regional Rural
Banks in rural development.
7. Write a note on Lead Bank Scheme.
8. Explain the role of TAHDCO in rural development.
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14
SECTION B — (4 × 15 = 60 marks)
Answer any FOUR of the following.
9. Explain the various sources of Rural Finance in India.
10. Write down the functions performed by commercial banks for rural development.
11. Discuss the functions of SIDBI towards rural development.
12. Explain the features and services of SHG’s.
13. What are the steps to be followed in project appraisal?
14. Critically evaluate the role of NABARD in Rural development.
15. Explain the various institutional infrastructure available for rural finance.
———————–
38
DE–5339
DISTANCE EDUCATION
B.B.A. (B) DEGREE EXAMINATION, MAY 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 the primary functions of money.
2. What do you mean by Inflation and Deflation?
3. What are the advantages and limitations of Index numbers?
4. Explain Fisher’s equation of quantity theory of money.
5. State the factors which influence credit creation by banks.
6. Distinguish between a money market and a capital market.
7. Explain the functions of State Bank of India.
8. How does a Central Bank promote economic growth?
39
13
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. Describe the different types of paper money. Explain their respective merits and demerits.
10. Discuss the role and importance of money in the modern economy.
11. How far is the cash balance approach superior to cash transactions approach to the value of money? What are its shortcomings?
12. Explain the structure of the Indian Money Market and point out its deficiencies.
13. What banking sector reforms were suggested by Narasimhan Committee and how far these have been introduced?
14. Enumerate the objectives of monetary policy of the RBI. How far the RBI has been successful in achieving them?
15. Why are Central Banks necessary? Discuss the functions of a Central Bank.
—————————
40
DE-5338
DISTANCE EDUCATION
B.B.A. (BANKING) DEGREE EXAMINATION, MAY 2009.
PRINCIPLES OF ECONOMICS
(2005 onwards)
Time : Three hours Maximum : 100 marks
SECTION A — (5 × 8 = 40 marks)
Answer any FIVE of the following.
1. Explain the importance of National income estimates.
2. Explain the importance of capital in production.
3. State and explain the doctrine of consumer’s surplus.
4. What are exceptional demand curves? Give reasons.
5. Describe the various methods of measuring elasticity of demand.
6. Elucidate the characteristic features of monopolistic competition.
7. Differentiate between opportunity cost and real cost. Give examples.
41
12
8. Evaluate the marginal productivity theory of wages.
SECTION B — (4 × 15 = 60 marks)
Answer any FOUR of the following.
9. Trace the trend in national income in India since Independence.
10. Describe how the consumer’s equilibrium is determined by using the Indifference curve Technique.
11. Explain internal and external economies of a firm.
12. Discuss the importance of Marshall’s time element in price theory.
13. Analyse the conditions under which the firm and industry will be in equilibrium in the short-run and long-run under perfect competition.
14. Explain Ricardian theory of Rent.
15. Examine Keynesian theory of Interest.
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42
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