Professional Documents
Culture Documents
IMT - NAGPUR
COMMERCIAL BANK MANAGEMENT /PGDM-2009
MID TERM TEST /TEST DATE - AUGUST 05, 20l0/TIME Full Marks: 50
- 11 (TERM IV)
- 8:30 ~
Instructions for the test: 1. 2. 3. 4. 5. 6. 7. It's a Question-cum-Answer Sheet. Answer all questions. Length of answers to be within the limit specified in each question. Marks and desirable time to spend are specified for each question. Use of Calculators allowed. It's a CLOSEDBOOK/NOTES examination. Verify that the Question Paper contains 8 printed pages.
----------------------------**************** -----------------------------STUDENTS NAME: SECTION: (Part - A / Objective Questions) Give Answer to Question Nos. 1 to 34 in a few words. Each question carries 0.5 mark. Do not spend more than 35 minutes.
Q 1. What is the process of borrowing of relatively short-term
commitment to funds known as ? . funds from savers, who often cannot
ROLL #
commit their funds over long periods, and making 101"\9-term loans to borrowers
CLiu.:r-t
~i
My Answer is:
Q 2. What is the limit/amount of deposit insurance available to a single individual depositor per bank? My Answer is:
.: f<A i t Mt-1v
owned by the debtor
Q 3. Name the right of the Banker to retain possession of the goods & securities (borrower) until the debt due from the latter is paid?
My Answer is :
Q 4. Name the credit facility ? facility which is a substitute of a Term loan and also a non-fund based credit
My Answer is:
fl
..2 ..
Q 5. There are two modesof delivery of documents made by a banker to the drawee in a bill transaction,
knownas the tenor of the bill in banking parlance. What are those? My Answer is :
J) f ~ ])A
~UM~~~
Q 6. In countries like USA and Japan, issue of bank guarantee is prohibited, instead the banks there
issuea specific type of Letter of Credit for this purpose.Name this Letter of Credit? My Answer is: .
~ye.b 1c-
Q 7. The act of the borrower of using short term funds for long term use is popularly known in banking
parlanceas My Answer is : ?
TN W
-==- l\..r
fA) - L A-
Q 9. Namethe policy rate at which RBI drains out excess liquidity from the CommercialBanks?
MyAnsweris:
6LQ}ljt.{~
R~
y~e....-. {}S ~
~0Jtt
Q 10. ExpandBCSBI ?
My Answer is:
(l,
~i~~
r
OJ'(
ciA
g (J cvY'~
Q 11. SLR,a legal reserve to be maintained by each scheduled commercial bank, is as per which act?
My Answer is:
(1 Pv
.ftc.J~ '9 ~ ~ . /
Q 12. A customer maintains a safe deposit locker with a bank. What is the banker-customer relationship in this case? My Answer is :
(l,~.
"i
e. c..4---ur-
~~lrr(w.
My Answer is:
~_~
~t~
SECTION
ROLL #
I >'-VvvJ<1'{- ~ R.~~IJ~~v,
~~ofi~
Q~,lmI,;t)
country is known as
l;f\M.rf:oA-t~
undertaking
~t~
of a bank in exporter's
facility is a fund-based
or Non-fund-based
credit facility?
of
Q 20. During the period of high economic activity ID ratio will be High or Low? My Answer is :
Rate is deregulated
or Not?
ND t :i>-t (~.J.J.,
Q 22. What is the maximum period for which a Term Deposit is accepted at present?
My Answer is :
1-0
~~
.
mode for creating a charge on a Debt Security like Life Insurance Policy
4~s.-[ lY-~
RC)~
Q 24. For loans facilities given to a Company, Banks are required under law to register a charge on the assets of the Company. This charge is to be registered with whom? My Answer is :
::4 ::
Q 25. What is the appropriate My Answer is : mode for creating a charge on a Immovable Property?
M -01 *~ ~
..3 0
~
L
company?
given to a Company, what is the time limit (from the date of creation of of charge on the assets of the borrowing
f.
O~
~CJ.)Jf.(L~
is allowed to overdraw
Q 28. Name the regular working capital credit facility in which the borrower up to a pre-specified My Answer is : limit.
~~
Q 29. In a Bank Guarantee transaction, My Answer is : Q 30. Name the organization Export Financing Bankers. My Answer
.
IS :
r;::: ~
L-
e~ 9
ik~
a
Trade Finance.
Q 31. In a transferable
LC, who has the right to transfer the credit, part or full, in favour of another
MyAnsweris:
~~'p'6"VVv
~f\.\S
~w~~
My Answer is :
Go
~ OJK.iv .
the drawings in the account are regulated/monitored by two
:: 5::
STUDENrs NAME: SECTION:
ROLL #
(a) assets (b) liabilities (c)
Q 35. Classify the following accounts into one of the following categories:
category code (a, b, c. d. e or f) after the hyphen in each case. (1) Retail Deposits - ~ (4) Consumer loans(8) Letter of Credit-
equity (d) revenue (e) expense (f) Off-Balance Sheet (OBS) activity. Give your answer by writing the
o:
on Investment securities-
t-
e:
oL
f-
..b
C.
[Total marks 10 x 1
10 marks]
Total
interest
Income
Total non-interest
expenses
Income taxes Dividends to common stockholders Total Assets Earning Assets Total Liabilities
:: 8 ::
*******
Amount in Rs.
Amount in Rs.
\1-i- ..
, f'LL.
t 8-
cr-t.J:-O
'2.1 ,s e-e
**************************TheEnd*******************************
:: 6 ::
For XYZ Bank, calculate:
(i) Net interest income (NIl)
My Answer is :
(ii) Overhead or Burden (aka Net non-interest income)
My Answer is :
(iii) Operating Profit
r-- l~
My Answer is :
(iv) Net income after taxes (PAT) ~
:f
My Answer is:
(v) Total operating
Income (revenues)
My Answer is :
(vi) Net Interest Margin (NIM)
My Answer is :
(vii) ROA
---?"
,.g
,~~ f
it CJt /
My Answer is :
(viii) ROE
My Answer is :
(ix) EM (Equity Multiplier)
1. o
~
My Answer is:
(x) AU (Asset Utilisation)
My Answer is :
---3Y'
~ \'"
My Answer is:
---
~j tJl 7
:: 7::
STUDENrs NAME:
SECTION: categorieJ
Mc0
ROLL#
h .ectO\/)
11
Q 2. Label each item into one of the Income Statement 13 to 16. Then Prepare a consolidated/aggregated schedules (Sch. 13 - 16) and determine required showing the aggregate after tax). a. b. c. d. e. f. g. h.
Income Stctement based on the 4 net income. Only one table is (Put your Label)
.. ~ I~' ..to E Interest paid on Term deposits Rs.100,OOO/~ Interest paid on Certificate of deposits Rs.101,000/- ~ r.-vJ:. Interest received on GOI Securities Rs.44,500/1. ~ ~ Fees received on selling of insurance and mutual funds RS.23,000/-~. o*,ftlr 1 ~~. Dividends paid to Shareholders of RS.0.50 per share for 5,000 shares ~ ~''-b'' I !j Provision for loan losses/NPA provision Rs.18,000/-. ~~~(No. .s cW\~.p~ Interest and discount on loans Rs.1,89,700/-.... rJc, yrLo lD{) Interest paid on SB accounts Rs.33,500/e l vJv, E~. I. Interest received on Corporate/PSU bonds Rs.60,000/- ~ y~. j. Employees salary and benefits Rs.1,45,000/---7 ~ E'>Lf. k. Purchase of a new Computer system Rs.50,00%:fDe~reciation for the current year Rs.10,000/-) ~~~~ Rh ' I rtiWf - ~. ().D , I. Service charge/commission receipts from cJstomer accounts Rs.41,000/,
>
't ~~Ct~)
{t~
lV\.~O~j
1 ~
~!
CJ-')
r~
m. Occupancy expenses for the bank building Rs.22,000/n. Taxes of 34/'o of taxable income are paid ~ o. Safe Deposit Locker rent receipt Rs.15,000/- _ ~
'~~~Q/f
L~
7"- P ~ .
.lr 1~c~
fip. 'C-1L
4.w.
'1
.1. 1-) :r
III~ ,~ .~
~&
u:
5~
,ftf)-~
k fifV ~
(/hilJ:"
S- c '~)(-q>
~~;:J
CffY'I~d-